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
ISHARES TR CORE US AGGBD ET 464287226   90,463,230 914,509 SH   SOLE   46,492 0 868,017
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,935,843 88,603 SH   SOLE   0 0 88,603
VANGUARD WORLD FD ESG US STK ETF 921910733   12,501,554 127,632 SH   SOLE   0 0 127,632
SPDR GOLD TR GOLD SHS 78463V107   632,755 2,196 SH   SOLE   0 0 2,196
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   16,506,968 309,990 SH   SOLE   150,340 0 159,650
VANGUARD WORLD FDS ENERGY ETF 92204A306   21,714,491 167,408 SH   SOLE   0 0 167,408
ISHARES TR BARCLAYS 7 10 YR 464287440   18,378,562 192,708 SH   SOLE   12,881 0 179,827
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   658,700 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   83,075,229 147,847 SH   SOLE   0 0 147,847
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,826,623 21,142 SH   SOLE   0 0 21,142
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,780,343 26,871 SH   SOLE   0 0 26,871
ISHARES TR TIPS BD ETF 464287176   12,317,992 110,883 SH   SOLE   0 0 110,883
ISHARES TR 20 YR TR BD ETF 464287432   250,241 2,749 SH   SOLE   0 0 2,749
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   163,578,260 3,218,144 SH   SOLE   262,070 0 2,956,074
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   119,207,071 2,069,208 SH   SOLE   0 0 2,069,208
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,695,237 62,903 SH   SOLE   22,573 0 40,330
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   39,279,051 475,879 SH   SOLE   0 0 475,879
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,225,313,557 2,384,296 SH   SOLE   156,747 0 2,227,549
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   555,385,540 4,789,871 SH   SOLE   359,706 0 4,430,165
VANGUARD INDEX FDS TOTAL STK MKT 922908769   154,332,005 561,534 SH   SOLE   0 0 561,534
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   211,934,134 4,247,177 SH   SOLE   1,143,038 0 3,104,139
VANGUARD INDEX FDS VALUE ETF 922908744   14,010,941 81,110 SH   SOLE   0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736   39,423,729 106,315 SH   SOLE   28,001 0 78,314
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   103,302,106 2,282,415 SH   SOLE   10,352 0 2,272,063
ISHARES GOLD TR ISHARES NEW 464285204   33,054,628 560,628 SH   SOLE   8,156 0 560,628
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   179,765,072 3,026,348 SH   SOLE   18,295 0 3,008,053
ISHARES TR US TREAS BD ETF 46429B267   20,871,414 908,045 SH   SOLE   0 0 908,045
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,493,273 76,183 SH   SOLE   0 0 76,183
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   13,421,739 182,733 SH   SOLE   0 0 182,733
ISHARES INC CORE MSCI EMKT 46434G103   42,346,696 784,634 SH   SOLE   56,874 0 727,760
ISHARES TR CORE MSCI EAFE 46432F842   45,252,997 598,189 SH   SOLE   0 0 598,189
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   8,488,634 87,956 SH   SOLE   0 0 87,956
ISHARES INC MSCI CDA ETF 464286509   823,150 20,200 SH   SOLE   0 0 20,200
ISHARES TR MSCI USA MIN VOL 46429B697   6,167,761 65,881 SH   SOLE   65,881 0 0
ISHARES TR MSCI ACWI ETF 464288257   27,786,133 238,733 SH   SOLE   0 0 238,733
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   19,155,568 206,440 SH   SOLE   0 0 206,440
ISHARES TR RUSSELL 3000 ETF 464287689   4,466,971 14,063 SH   SOLE   0 0 14,063
ISHARES TR CORE 1 5 YR USD 46432F859   2,274,046 47,033 SH   SOLE   0 0 47,033
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   2,666,985 55,103 SH   SOLE   0 0 55,103
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   437,772 19,100 SH   SOLE   0 0 19,100
ISHARES TR RUS 1000 ETF 464287622   44,096,942 143,760 SH   SOLE   0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339   58,745,146 343,760 SH   SOLE   0 0 343,760
ISHARES TR MSCI EAFE ETF 464287465   10,431,935 127,639 SH   SOLE   127,639 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   27,849,931 474,526 SH   SOLE   0 0 474,526
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,895,753 30,631 SH   SOLE   0 0 30,631
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,936,115 59,172 SH   SOLE   0 0 59,172
VANGUARD STAR FDS VG TL INTL STK F 921909768   32,747,938 527,342 SH   SOLE   0 0 527,342
ISHARES TR 10+ YR INVST GRD 464289511   1,004,600 20,000 SH   SOLE   0 0 20,000