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
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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 US AGGBD ET 464287226   68,124,616 695,575 SH   SOLE   108,926 0 586,649
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   8,910,281 116,216 SH   SOLE   0 0 116,216
VANGUARD WORLD FD ESG US STK ETF 921910733   7,150,749 76,733 SH   SOLE   0 0 76,733
SPDR GOLD TR GOLD SHS 78463V107   4,642,277 22,566 SH   SOLE   0 0 22,566
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   15,070,663 260,153 SH   SOLE   164,772 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306   6,741,460 51,188 SH   SOLE   0 0 51,188
ISHARES TR BARCLAYS 7 10 YR 464287440   18,241,739 192,708 SH   SOLE   12,881 0 179,827
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   586,025 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   96,661,243 183,861 SH   SOLE   0 0 183,861
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,704,193 34,744 SH   SOLE   0 0 34,744
SPDR S&P 500 ETF TR TR UNIT 78462F103   27,198,070 51,997 SH   SOLE   0 0 51,997
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,178,512 21,910 SH   SOLE   0 0 21,910
ISHARES TR TIPS BD ETF 464287176   618,252 5,756 SH   SOLE   0 0 5,756
ISHARES TR 20 YR TR BD ETF 464287432   7,895,282 83,442 SH   SOLE   0 0 83,442
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   122,838,938 2,448,454 SH   SOLE   329,901 0 2,118,553
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   60,870,345 1,027,521 SH   SOLE   0 0 1,027,521
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,117,054 47,607 SH   SOLE   22,573 0 25,034
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,858,630 20,387 SH   SOLE   0 0 20,387
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   75,205,633 956,328 SH   SOLE   0 0 956,328
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   461,612,846 960,293 SH   SOLE   108,433 0 851,860
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   388,262,643 3,513,689 SH   SOLE   127,717 0 3,385,972
VANGUARD INDEX FDS TOTAL STK MKT 922908769   77,986,374 300,063 SH   SOLE   0 0 300,063
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   69,537,047 1,452,016 SH   SOLE   103,886 0 1,348,130
VANGUARD INDEX FDS VALUE ETF 922908744   6,538,992 40,151 SH   SOLE   0 0 40,151
VANGUARD INDEX FDS GROWTH ETF 922908736   53,417,430 155,193 SH   SOLE   72,111 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   51,613,059 1,235,649 SH   SOLE   17,651 0 1,217,998
ISHARES TR CORE S&P SCP ETF 464287804   6,230,233 56,372 SH   SOLE   0 0 56,372
ISHARES GOLD TR ISHARES NEW 464285204   16,573,365 394,510 SH   SOLE   8,156 0 386,354
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664   2,629,545 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   30,239,787 516,478 SH   SOLE   0 0 516,478
ISHARES TR CRE U S REIT ETF 464288521   4,310,456 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267   16,594,821 728,802 SH   SOLE   0 0 728,802
ISHARES TR 1 3 YR TREAS BD 464287457   2,617,369 32,005 SH   SOLE   0 0 32,005
VANGUARD WORLD FD ESG INTL STK ETF 921910725   5,572,407 96,962 SH   SOLE   0 0 96,962
VANECK ETF TRUST GOLD MINERS ETF 92189F106   457,700 14,475 SH   SOLE   0 0 14,475
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,608,882 63,457 SH   SOLE   0 0 63,457
ISHARES INC CORE MSCI EMKT 46434G103   20,362,702 394,626 SH   SOLE   66,092 0 328,534
ISHARES TR CORE MSCI EAFE 46432F842   33,995,805 458,041 SH   SOLE   0 0 458,041
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   5,614,473 55,315 SH   SOLE   0 0 55,315
ISHARES INC MSCI CDA ETF 464286509   923,620 24,128 SH   SOLE   0 0 24,128
ISHARES TR MSCI USA MIN VOL 46429B697   5,506,656 65,881 SH   SOLE   65,881 0 0
ISHARES TR MSCI ACWI ETF 464288257   40,867,591 371,085 SH   SOLE   0 0 371,085
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,958,394 34,134 SH   SOLE   0 0 34,134
ISHARES TR RUSSELL 3000 ETF 464287689   4,220,025 14,063 SH   SOLE   0 0 14,063
ISHARES TR CORE 1 5 YR USD 46432F859   5,884,126 124,033 SH   SOLE   0 0 124,033
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,357,163 45,191 SH   SOLE   0 0 45,191
ISHARES TR EAFE SML CP ETF 464288273   4,459,762 70,421 SH   SOLE   0 0 70,421
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101   1,735,276 19,685 SH   SOLE   0 0 19,685
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   6,432,412 180,635 SH   SOLE   0 0 180,635
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   538,471 10,284 SH   SOLE   0 0 10,284
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   550,653 19,100 SH   SOLE   0 0 19,100