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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   40,391,976 555,674 SH   SOLE   0 0 555,674
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   35,438,573 468,950 SH   SOLE   0 0 468,950
VANECK ETF TR HIGH YLD MUNIETF 92189H409   3,220,952 62,738 SH   SOLE   0 0 62,738
ISHARES TR IBOXX HI YD ETF 464288513   3,148,399 41,940 SH   SOLE   0 0 41,940
ISHARES TR NATIONAL MUN ETF 464288414   39,414,720 369,294 SH   SOLE   0 0 369,294
TIDAL ETF TR SOFI SELCT 500 886364207   401,901,040 25,664,179 SH   SOLE   0 0 25,664,179
TIDAL ETF TR SOFI NEXT 500 886364306   45,621,273 3,742,516 SH   SOLE   0 0 3,742,516
VANGUARD INDEX FDS SMALL CP ETF 922908751   22,809,724 114,685 SH   SOLE   0 0 114,685
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   160,345,470 3,472,184 SH   SOLE   0 0 3,472,184
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,405,123 135,072 SH   SOLE   0 0 135,072
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   51,382,098 1,263,080 SH   SOLE   0 0 1,263,080