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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   51,423,734 708,023 SH   SOLE   0 0 708,023
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   41,580,576 542,332 SH   SOLE   0 0 542,332
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,631,477 69,489 SH   SOLE   0 0 69,489
ISHARES TR IBOXX HI YD ETF 464288513   4,030,130 51,848 SH   SOLE   0 0 51,848
ISHARES TR NATIONAL MUN ETF 464288414   43,299,000 402,407 SH   SOLE   0 0 402,407
TIDAL ETF TR SOFI SELCT 500 886364207   545,191,091 29,264,149 SH   SOLE   0 0 29,264,149
TIDAL ETF TR SOFI NEXT 500 886364306   62,948,083 4,509,175 SH   SOLE   0 0 4,509,175
VANGUARD INDEX FDS SMALL CP ETF 922908751   31,399,031 137,360 SH   SOLE   0 0 137,360
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   215,210,032 4,289,616 SH   SOLE   0 0 4,289,616
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   7,590,709 158,503 SH   SOLE   0 0 158,503
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   69,191,120 1,656,479 SH   SOLE   0 0 1,656,479