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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 28,093 353,188 SH   SOLE   0 0 353,188
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 28,152 361,391 SH   SOLE   0 0 361,391
VANECK ETF TR HIGH YLD MUNIETF 92189H409 2,788 48,564 SH   SOLE   0 0 48,564
ISHARES TR IBOXX HI YD ETF 464288513 2,201 26,750 SH   SOLE   0 0 26,750
ISHARES TR NATIONAL MUN ETF 464288414 33,982 309,945 SH   SOLE   0 0 309,945
TIDAL ETF TR SOFI SELCT 500 886364207 329,178 20,108,626 SH   SOLE   0 0 20,108,626
TIDAL ETF TR SOFI NEXT 500 886364306 37,611 2,791,695 SH   SOLE   0 0 2,791,695
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,807 88,494 SH   SOLE   0 0 88,494
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 130,586 2,718,844 SH   SOLE   0 0 2,718,844
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,181 101,172 SH   SOLE   0 0 101,172
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 42,552 922,438 SH   SOLE   0 0 922,438