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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
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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
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   34,605,565 481,703 SH   SOLE   0 0 481,703
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   32,610,578 433,190 SH   SOLE   0 0 433,190
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   2,980,234 58,956 SH   SOLE   0 0 58,956
ISHARES TR IBOXX HI YD ETF 464288513   2,676,932 36,357 SH   SOLE   0 0 36,357
ISHARES TR NATIONAL MUN ETF 464288414   37,462,466 355,027 SH   SOLE   0 0 355,027
TIDAL ETF TR SOFI SELCT 500 886364207   314,119,054 23,635,745 SH   SOLE   0 0 23,635,745
TIDAL ETF TR SOFI NEXT 500 886364306   36,738,914 3,330,817 SH   SOLE   0 0 3,330,817
VANGUARD INDEX FDS SMALL CP ETF 922908751   18,823,237 102,557 SH   SOLE   0 0 102,557
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   135,091,873 3,218,772 SH   SOLE   0 0 3,218,772
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,736,752 122,816 SH   SOLE   0 0 122,816
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   43,522,745 1,116,540 SH   SOLE   0 0 1,116,540