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   341,283,415 3,440,357 SH   SOLE   57,031 0 3,383,326
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,713,579 59,893 SH   SOLE   0 0 59,893
VANGUARD WORLD FD ESG US STK ETF 921910733   3,351,256 30,566 SH   SOLE   0 0 30,566
SPDR GOLD TR GOLD SHS 78463V107   669,407 2,196 SH   SOLE   0 0 2,196
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   16,813,858 309,990 SH   SOLE   150,340 0 159,650
VANGUARD WORLD FDS ENERGY ETF 92204A306   21,929,992 184,100 SH   SOLE   0 0 184,100
ISHARES TR BARCLAYS 7 10 YR 464287440   29,967,910 312,963 SH   SOLE   0 0 312,963
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   809,377 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   79,165,991 127,502 SH   SOLE   0 0 127,502
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,670,906 14,034 SH   SOLE   0 0 14,034
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,274,826 22,105 SH   SOLE   0 0 22,105
ISHARES TR TIPS BD ETF 464287176   1,963,334 17,842 SH   SOLE   0 0 17,842
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   191,916,544 3,362,508 SH   SOLE   424,385 0 2,938,123
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   136,514,541 2,644,422 SH   SOLE   0 0 2,644,422
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,602,140 62,903 SH   SOLE   22,573 0 40,330
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   44,244,185 519,237 SH   SOLE   0 0 519,237
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,343,061,493 2,364,420 SH   SOLE   158,208 0 2,206,212
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   714,056,935 5,554,414 SH   SOLE   462,211 0 5,092,204
VANGUARD INDEX FDS TOTAL STK MKT 922908769   201,575,671 664,318 SH   SOLE   0 0 664,318
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   241,830,017 4,810,623 SH   SOLE   1,212,675 0 3,597,948
VANGUARD INDEX FDS VALUE ETF 922908744   14,335,381 81,110 SH   SOLE   0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736   46,608,496 106,315 SH   SOLE   28,001 0 78,314
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   113,837,520 2,298,708 SH   SOLE   10,352 0 2,288,356
ISHARES GOLD TR ISHARES NEW 464285204   53,124,552 854,826 SH   SOLE   0 0 854,826
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   224,575,293 3,757,356 SH   SOLE   35,277 0 3,722,079
ISHARES TR US TREAS BD ETF 46429B267   14,819,112 644,870 SH   SOLE   0 0 644,870
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,325,197 20,232 SH   SOLE   0 0 20,232
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   28,834,760 391,617 SH   SOLE   0 0 391,617
ISHARES INC CORE MSCI EMKT 46434G103   39,141,420 652,031 SH   SOLE   38,158 0 613,873
ISHARES TR CORE MSCI EAFE 46432F842   46,663,649 558,980 SH   SOLE   0 0 558,980
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   8,903,786 87,956 SH   SOLE   0 0 87,956
ISHARES INC MSCI CDA ETF 464286509   713,790 15,450 SH   SOLE   0 0 15,450
ISHARES TR MSCI USA MIN VOL 46429B697   6,183,210 65,881 SH   SOLE   65,881 0 0
ISHARES TR MSCI ACWI ETF 464288257   29,988,590 232,948 SH   SOLE   0 0 232,948
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   22,543,248 206,440 SH   SOLE   0 0 206,440
ISHARES TR RUSSELL 3000 ETF 464287689   5,123,547 14,597 SH   SOLE   0 0 14,597
ISHARES TR CORE 1 5 YR USD 46432F859   2,288,155 47,033 SH   SOLE   0 0 47,033
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   2,841,662 55,103 SH   SOLE   0 0 55,103
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   741,271 19,100 SH   SOLE   0 0 19,100
ISHARES TR RUS 1000 ETF 464287622   48,816,583 143,760 SH   SOLE   0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339   58,390,514 319,388 SH   SOLE   0 0 319,388
ISHARES TR MSCI EAFE ETF 464287465   325,055,919 3,636,379 SH   SOLE   127,639 0 3,508,740
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   50,335,861 867,512 SH   SOLE   0 0 867,512
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,006,943 30,631 SH   SOLE   0 0 30,631
VANGUARD STAR FDS VG TL INTL STK F 921909768   18,773,411 271,724 SH   SOLE   0 0 271,724
ISHARES TR 10+ YR INVST GRD 464289511   1,004,200 20,000 SH   SOLE   0 0 20,000
EA SERIES TRUST JLENS 500 JEWISH 02072Q846   16,588,938 636,677 SH   SOLE   0 0 636,677
ISHARES TR CORE MSCI TOTAL 46432F834   1,925,792 24,910 SH   SOLE   0 0 24,910