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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Vanguard Total World Stock Et ETF IV ETF 922042742 9,307 117,984 SH   SOLE   0 0 117,984
iShares Core S&P 500 ETF IV ETF 464287200 6,992 19,494 SH   SOLE   0 0 19,494
Vanguard FTSE Developed Mats ETF IV ETF 921943858 6,759 185,868 SH   SOLE   0 0 185,868
SPDR Gold Shares ETF ETF 78463V107 3,557 22,996 SH   SOLE   0 0 22,996
Vanguard FTSE Emerging Mark ETF IV ETF 922042858 3,227 88,425 SH   SOLE   0 0 88,425
iShares MSCI Frontier Select ETF IV ETF 464286145 3,000 123,180 SH   SOLE   0 0 123,180
Wisdomtree US High Dividend ETF ETF 97717W208 2,890 38,119 SH   SOLE   0 0 38,119
Vanguard Total Stock Market E ETF IV ETF 922908769 2,542 14,161 SH   SOLE   0 0 14,161
Vanguard Utilities ETF IV ETF 92204A876 2,533 17,645 SH   SOLE   0 0 17,645
iShares Russell 1000 Growth ETF IV ETF 464287614 1,568 7,452 SH   SOLE   0 0 7,452
Vanguard Total Bond Market ETF ETF 921937835 1,563 21,910 SH   SOLE   0 0 21,910
Vanguard FTSE All World Ex US ETF IV ETF 922042775 1,496 33,702 SH   SOLE   0 0 33,702
SPDR Dow Jones Global Real Est ETF IV ETF 78463X749 1,458 37,666 SH   SOLE   0 0 37,666
Vaneck Vectors Morningstar Wide Moat ETF 92189F643 1,422 23,697 SH   SOLE   0 0 23,697
Vanguard Esg US Stock ETF ETF 921910733 1,400 22,254 SH   SOLE   0 0 22,254
iShares Russell 1000 Value ETF ETF 464287598 1,106 8,132 SH   SOLE   0 0 8,132
Vanguard Esg Internatnl Stock ETF ETF 921910725 1,080 24,844 SH   SOLE   0 0 24,844
Vanguard Real Estate ETF ETF 922908553 1,013 12,630 SH   SOLE   0 0 12,630
iShares MSCI China ETF ETF 46429B671 916 21,502 SH   SOLE   0 0 21,502
iShares Floating Rate Bond ETF ETF 46429B655 908 18,060 SH   SOLE   0 0 18,060
First Trust Senior Loan ETF ETF 33738D309 903 20,472 SH   SOLE   0 0 20,472
Ish Usd High Yield ETF 46435U853 855 25,428 SH   SOLE   0 0 25,428
Vanguard High Dividend Yield ETF IV ETF 921946406 736 7,754 SH   SOLE   0 0 7,754
iShares North Amer Natl Res ETF IV ETF 464287374 659 18,948 SH   SOLE   0 0 18,948
Wisdomtree Japan Hedged Equity ETF ETF 97717W851 619 10,034 SH   SOLE   0 0 10,034
Wisdomtree Europe Hedged Eqty ETF ETF 97717X701 600 9,637 SH   SOLE   0 0 9,637
Invesco Preferred ETF ETF 46138E511 572 48,143 SH   SOLE   0 0 48,143
Vanguard Esg US Bond ETF ETF 921910691 331 5,571 SH   SOLE   0 0 5,571
iShares ESG Advanced TTL USD Bond ETF ETF 46436E619 311 7,419 SH   SOLE   0 0 7,419
iShares ESG Aware MSCI USA ETF ETF 46435G425 216 2,712 SH   SOLE   0 0 2,712
iShares ESG Aware MSCI EM ETF ETF 46434G863 207 7,480 SH   SOLE   0 0 7,480
iShares Silver Trust ETF IV ETF 46428Q109 177 10,107 SH   SOLE   0 0 10,107