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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 788,535 4,766 SH   SOLE   0 0 4,766
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 272,909 1,123 SH   SOLE   0 0 1,123
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 208,043 854 SH   SOLE   0 0 854
APPLE INC COM 037833100 BBG001S5N8V8 391,164 1,536 SH   SOLE   0 0 1,536
COLUMBIA ETF TR I US EQUITY INCOME 19761L854 BBG00D2R0FY8 1,426,530 30,555 SH   SOLE   0 0 30,555
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 424,596 5,632 SH   SOLE   0 0 5,632
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 BBG001SCTFP8 3,111,071 84,517 SH   SOLE   0 0 84,517
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 BBG00735B1V0 377,843 5,402 SH   SOLE   0 0 5,402
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,681,857 25,514 SH   SOLE   0 0 25,514
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 2,603,713 25,191 SH   SOLE   0 0 25,191
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 376,814 4,316 SH   SOLE   0 0 4,316
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,772,902 42,490 SH   SOLE   0 0 42,490
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,970,202 24,995 SH   SOLE   0 0 24,995
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 313,842 6,962 SH   SOLE   0 0 6,962
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 251,122 9,922 SH   SOLE   0 0 9,922
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 1,417,611 24,736 SH   SOLE   0 0 24,736
ISHARES TR ESG SELECT SCRE 46436E551 BBG00XDJF7W4 344,408 7,854 SH   SOLE   0 0 7,854
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 4,818,347 90,861 SH   SOLE   0 0 90,861
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 5,211,641 55,817 SH   SOLE   0 0 55,817
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 266,966 570 SH   SOLE   0 0 570
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,537,435 7,445 SH   SOLE   0 0 7,445
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 251,864 4,935 SH   SOLE   0 0 4,935
MICROSOFT CORP COM 594918104 BBG001S5TD05 408,372 788 SH   SOLE   0 0 788
PIMCO ETF TR ENHANCD SHORT 72201R643 BBG00QQFDTV8 683,018 6,908 SH   SOLE   0 0 6,908
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,706,301 241,501 SH   SOLE   0 0 241,501
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 221,922 8,425 SH   SOLE   0 0 8,425
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,136,438 3,197 SH   SOLE   0 0 3,197
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,127,950 1,693 SH   SOLE   0 0 1,693
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 413,551 12,203 SH   SOLE   0 0 12,203
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 BBG001SPTB87 322,843 4,121 SH   SOLE   0 0 4,121
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 BBG001T6B0P2 504,804 16,666 SH   SOLE   0 0 16,666
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 386,415 3,697 SH   SOLE   0 0 3,697
TESLA INC COM 88160R101 BBG001SQKGD7 265,498 597 SH   SOLE   0 0 597
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 560,852 7,107 SH   SOLE   0 0 7,107
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 854,915 1,783 SH   SOLE   0 0 1,783
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 684,405 2,330 SH   SOLE   0 0 2,330
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 598,042 3,426 SH   SOLE   0 0 3,426
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,944,286 27,045 SH   SOLE   0 0 27,045
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 807,704 1,319 SH   SOLE   0 0 1,319
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,400,197 5,507 SH   SOLE   0 0 5,507
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 4,121,956 22,103 SH   SOLE   0 0 22,103
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 496,502 3,483 SH   SOLE   0 0 3,483
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 19,442,820 90,101 SH   SOLE   0 0 90,101
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 17,416,137 290,656 SH   SOLE   0 0 290,656
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,113,247 16,048 SH   SOLE   0 0 16,048
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 7,258,300 52,696 SH   SOLE   0 0 52,696
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 28,074,606 69,764 SH   SOLE   0 0 69,764