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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   38,101,035 516,064 SH   SOLE   0 0 516,064
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   34,548,962 451,679 SH   SOLE   0 0 451,679
VANECK ETF TR HIGH YLD MUNIETF 92189H409   3,174,988 61,364 SH   SOLE   0 0 61,364
ISHARES TR IBOXX HI YD ETF 464288513   2,943,203 38,957 SH   SOLE   0 0 38,957
ISHARES TR NATIONAL MUN ETF 464288414   39,229,383 364,112 SH   SOLE   0 0 364,112
TIDAL ETF TR SOFI SELCT 500 886364207   359,342,671 24,868,005 SH   SOLE   0 0 24,868,005
TIDAL ETF TR SOFI NEXT 500 886364306   40,446,227 3,524,603 SH   SOLE   0 0 3,524,603
VANGUARD INDEX FDS SMALL CP ETF 922908751   20,390,348 107,567 SH   SOLE   0 0 107,567
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   150,107,793 3,323,175 SH   SOLE   0 0 3,323,175
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,191,874 129,483 SH   SOLE   0 0 129,483
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   47,668,253 1,179,907 SH   SOLE   0 0 1,179,907