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   85,069,673 877,912 SH   SOLE   87,039 0 790,873
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,882,593 89,072 SH   SOLE   0 0 89,072
VANGUARD WORLD FD ESG US STK ETF 921910733   8,904,322 84,892 SH   SOLE   0 0 84,892
SPDR GOLD TR GOLD SHS 78463V107   3,870,205 15,984 SH   SOLE   0 0 15,984
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   15,596,128 313,427 SH   SOLE   141,106 0 172,321
VANGUARD WORLD FDS ENERGY ETF 92204A306   12,604,230 103,901 SH   SOLE   0 0 103,901
ISHARES TR BARCLAYS 7 10 YR 464287440   17,815,854 192,708 SH   SOLE   12,881 0 179,827
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   680,099 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   87,773,954 149,103 SH   SOLE   0 0 149,103
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,560,133 23,137 SH   SOLE   0 0 23,137
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,204,146 21,910 SH   SOLE   0 0 21,910
ISHARES TR TIPS BD ETF 464287176   9,589,926 90,004 SH   SOLE   0 0 90,004
ISHARES TR 20 YR TR BD ETF 464287432   240,070 2,749 SH   SOLE   0 0 2,749
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   133,721,837 2,796,358 SH   SOLE   150,775 0 2,645,583
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   97,149,158 1,755,179 SH   SOLE   0 0 1,755,179
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,603,400 62,903 SH   SOLE   22,573 0 40,330
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   5,437,621 20,387 SH   SOLE   0 0 20,387
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   48,053,688 591,430 SH   SOLE   0 0 591,430
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,026,190,585 1,904,550 SH   SOLE   146,916 0 1,757,634
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   541,410,223 4,608,531 SH   SOLE   52,799 0 4,555,732
VANGUARD INDEX FDS TOTAL STK MKT 922908769   162,067,836 559,221 SH   SOLE   0 0 559,221
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   197,568,076 4,080,299 SH   SOLE   219,117 0 3,861,182
VANGUARD INDEX FDS VALUE ETF 922908744   13,731,923 81,110 SH   SOLE   0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736   63,697,415 155,193 SH   SOLE   72,111 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   87,327,050 1,982,903 SH   SOLE   28,003 0 1,954,900
ISHARES TR CORE S&P SCP ETF 464287804   2,373,302 20,598 SH   SOLE   0 0 20,598
ISHARES GOLD TR ISHARES NEW 464285204   25,808,278 521,274 SH   SOLE   8,156 0 513,118
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   94,107,030 1,622,535 SH   SOLE   0 0 1,622,535
ISHARES TR US TREAS BD ETF 46429B267   20,866,874 908,045 SH   SOLE   0 0 908,045
VANGUARD WORLD FD ESG INTL STK ETF 921910725   5,242,822 92,466 SH   SOLE   0 0 92,466
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,986,089 124,963 SH   SOLE   0 0 124,963
ISHARES INC CORE MSCI EMKT 46434G103   30,430,946 582,745 SH   SOLE   56,874 0 525,871
ISHARES TR CORE MSCI EAFE 46432F842   48,260,875 686,679 SH   SOLE   0 0 686,679
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   3,806,200 35,894 SH   SOLE   0 0 35,894
ISHARES INC MSCI CDA ETF 464286509   814,060 20,200 SH   SOLE   0 0 20,200
ISHARES TR MSCI USA MIN VOL 46429B697   5,849,932 65,881 SH   SOLE   65,881 0 0
ISHARES TR MSCI ACWI ETF 464288257   35,108,649 298,797 SH   SOLE   0 0 298,797
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   22,159,399 214,515 SH   SOLE   0 0 214,515
ISHARES TR RUSSELL 3000 ETF 464287689   4,700,558 14,063 SH   SOLE   0 0 14,063
ISHARES TR CORE 1 5 YR USD 46432F859   1,340,712 28,066 SH   SOLE   0 0 28,066
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   559,039 10,284 SH   SOLE   0 0 10,284
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   511,498 19,100 SH   SOLE   0 0 19,100
ISHARES TR RUS 1000 ETF 464287622   46,313,722 143,760 SH   SOLE   0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339   50,157,835 281,659 SH   SOLE   0 0 281,659
ISHARES TR MSCI EAFE ETF 464287465   9,650,785 127,639 SH   SOLE   127,639 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   32,560,961 559,659 SH   SOLE   0 0 559,659
SPDR SER TR PORTFLI INTRMDIT 78464A672   1,784,599 64,010 SH   SOLE   0 0 64,010
ISHARES TR ESG AW MSCI EAFE 46435G516   2,416,455 31,737 SH   SOLE   0 0 31,737
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,592,506 30,631 SH   SOLE   0 0 30,631
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,966,292 59,172 SH   SOLE   0 0 59,172
VANGUARD STAR FDS VG TL INTL STK F 921909768   18,722,473 317,707 SH   SOLE   0 0 317,707