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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
ISHARES TR CORE MSCI EAFE 46432F842   47,913,091 681,067 SH   SOLE   0 0 681,067
SPDR S&P 500 ETF TR TR UNIT 78462F103   42,533,311 89,485 SH   SOLE   0 0 89,485
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   31,072,117 71,136 SH   SOLE   0 0 71,136
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   21,977,475 288,684 SH   SOLE   0 0 288,684
ISHARES INC CORE MSCI EMKT 46434G103   17,277,912 341,596 SH   SOLE   0 0 341,596
SPDR GOLD TR GOLD SHS 78463V107   8,016,911 41,936 SH   SOLE   0 0 41,936
ISHARES TR CORE S&P MCP ETF 464287507   4,528,717 16,340 SH   SOLE   0 0 16,340
ISHARES TR TIPS BD ETF 464287176   4,189,741 38,978 SH   SOLE   0 0 38,978
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   3,946,459 179,059 SH   SOLE   0 0 179,059
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,541,847 63,451 SH   SOLE   0 0 63,451
VANGUARD INDEX FDS VALUE ETF 922908744   2,338,370 15,641 SH   SOLE   0 0 15,641
ISHARES TR RUS 1000 GRW ETF 464287614   2,328,871 7,682 SH   SOLE   0 0 7,682
ISHARES TR MSCI EAFE ETF 464287465   1,723,318 22,871 SH   SOLE   0 0 22,871
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   946,245 23,023 SH   SOLE   0 0 23,023
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   882,575 66,359 SH   SOLE   0 0 66,359
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   685,144 1,921 SH   SOLE   0 0 1,921
VANECK ETF TRUST BDC INCOME ETF 92189F411   438,036 27,309 SH   SOLE   0 0 27,309
SPDR SER TR NUVEEN BLOOMBERG 78464A284   423,775 16,750 SH   SOLE   0 0 16,750
ISHARES TR CORE US AGGBD ET 464287226   365,736 3,685 SH   SOLE   0 0 3,685
ISHARES TR IBOXX HI YD ETF 464288513   265,989 3,437 SH   SOLE   0 0 3,437
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   261,911 5,306 SH   SOLE   0 0 5,306
ISHARES TR 0-5 YR TIPS ETF 46429B747   212,264 2,153 SH   SOLE   0 0 2,153