The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   3,229,907 166,834 SH   SOLE   166,834 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   335,758 17,009 SH   SOLE   17,009 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   486,732 4,880 SH   SOLE   4,880 0 0
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   849,033 43,697 SH   SOLE   43,697 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   644,372 48,449 SH   SOLE   48,449 0 0
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   3,421,300 33,529 SH   SOLE   33,529 0 0
ISHARES GOLD TR ISHARES NEW 464285204   7,744,021 198,412 SH   SOLE   198,412 0 0
ISHARES INC CORE MSCI EMKT 46434G103   761,988 15,065 SH   SOLE   15,065 0 0
ISHARES INC JP MORGAN EM ETF 464286517   220,210 5,997 SH   SOLE   5,997 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   378,282 5,722 SH   SOLE   5,722 0 0
ISHARES INC MSCI EURZONE ETF 464286608   372,879 7,860 SH   SOLE   7,860 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   302,415 3,016 SH   SOLE   3,016 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   310,460 3,149 SH   SOLE   3,149 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   1,699,205 14,507 SH   SOLE   14,507 0 0
ISHARES TR ASIA 50 ETF 464288430   2,339,786 40,362 SH   SOLE   40,362 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   376,070 15,650 SH   SOLE   15,650 0 0
ISHARES TR CORE S&P SCP ETF 464287804   368,050 3,400 SH   SOLE   3,400 0 0
ISHARES TR CORE S&P500 ETF 464287200   740,327 1,550 SH   SOLE   1,550 0 0
ISHARES TR CRE U S REIT ETF 464288521   298,378 5,496 SH   SOLE   5,496 0 0
ISHARES TR INTL DEV RE ETF 464288489   316,217 14,532 SH   SOLE   14,532 0 0
ISHARES TR INTL TREA BD ETF 464288117   604,121 14,617 SH   SOLE   14,617 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   391,565 5,882 SH   SOLE   5,882 0 0
ISHARES TR MSCI CHINA ETF 46429B671   1,560,057 38,293 SH   SOLE   38,293 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   745,638 3,715 SH   SOLE   3,715 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,675,481 22,310 SH   SOLE   22,310 0 0
ISHARES TR TIPS BD ETF 464287176   906,249 8,431 SH   SOLE   8,431 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,233,304 13,492 SH   SOLE   13,492 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,995,880 201,528 SH   SOLE   201,528 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,745,896 101,350 SH   SOLE   101,350 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,676,203 76,704 SH   SOLE   76,704 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,438,207 89,264 SH   SOLE   89,264 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   344,836 9,892 SH   SOLE   9,892 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,760,833 181,595 SH   SOLE   181,595 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,104,731 86,891 SH   SOLE   86,891 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,596,633 68,901 SH   SOLE   68,901 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,012,054 5,294 SH   SOLE   5,294 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   1,319,417 48,348 SH   SOLE   48,348 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   1,900,926 39,760 SH   SOLE   39,760 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   693,532 20,392 SH   SOLE   20,392 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   780,579 22,044 SH   SOLE   22,044 0 0
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400   238,829 3,506 SH   SOLE   3,506 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,131,705 35,633 SH   SOLE   35,633 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,289,517 2,713 SH   SOLE   2,713 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   602,558 28,369 SH   SOLE   28,369 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516   2,006,160 86,547 SH   SOLE   86,547 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490   4,218,955 100,595 SH   SOLE   100,595 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   3,954,031 70,734 SH   SOLE   70,734 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   4,058,890 160,114 SH   SOLE   160,114 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   477,163 9,666 SH   SOLE   9,666 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   495,232 1,593 SH   SOLE   1,593 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   601,732 6,810 SH   SOLE   6,810 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,290,647 6,050 SH   SOLE   6,050 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,332,998 77,182 SH   SOLE   77,182 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   829,645 20,186 SH   SOLE   20,186 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   306,152 4,748 SH   SOLE   4,748 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,503,558 13,071 SH   SOLE   13,071 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,104,910 96,382 SH   SOLE   96,382 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   460,609 7,947 SH   SOLE   7,947 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   985,591 20,576 SH   SOLE   20,576 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   497,059 7,797 SH   SOLE   7,797 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,988,803 73,058 SH   SOLE   73,058 0 0