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
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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
DBX ETF TR XTRACK MSCI EAFE 233051200   1,977,184 56,170 SH   SOLE   0 0 56,170
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106   61,736,055 1,297,248 SH   SOLE   0 0 1,297,248
ENGINE NO 1 ETF TRUST TRANSFORM CLMTE 29287L205   21,659,676 435,268 SH   SOLE   0 0 435,268
GRANITESHARES GOLD TR SHS BEN INT 38748G101   234,012,228 11,994,476 SH   SOLE   0 0 11,994,476
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   8,056,230 170,250 SH   SOLE   0 0 170,250
ISHARES GOLD TR ISHARES NEW 464285204   4,864,042 130,159 SH   SOLE   0 0 130,159
ISHARES TR CORE S&P500 ETF 464287200   1,087,307 2,645 SH   SOLE   0 0 2,645
ISHARES TR CORE US AGGBD ET 464287226   17,660,995 177,248 SH   SOLE   0 0 177,248
ISHARES TR 20 YR TR BD ETF 464287432   128,205,850 1,205,282 SH   SOLE   0 0 1,205,282
ISHARES TR MSCI EAFE ETF 464287465   488,625 6,832 SH   SOLE   0 0 6,832
ISHARES TR RUS MID CAP ETF 464287499   939,305 13,434 SH   SOLE   0 0 13,434
ISHARES TR CORE S&P MCP ETF 464287507   407,761 1,630 SH   SOLE   0 0 1,630
ISHARES TR COHEN STEER REIT 464287564   317,022 5,708 SH   SOLE   0 0 5,708
ISHARES TR RUS 1000 VAL ETF 464287598   1,329,839 8,734 SH   SOLE   0 0 8,734
ISHARES TR RUS 1000 GRW ETF 464287614   2,029,894 8,308 SH   SOLE   0 0 8,308
ISHARES TR RUS 1000 ETF 464287622   27,009,131 119,918 SH   SOLE   0 0 119,918
ISHARES TR RUS 2000 VAL ETF 464287630   5,548,940 40,497 SH   SOLE   0 0 40,497
ISHARES TR RUSSELL 2000 ETF 464287655   242,624 1,360 SH   SOLE   0 0 1,360
ISHARES TR CORE S&P SCP ETF 464287804   673,129 6,961 SH   SOLE   0 0 6,961
ISHARES TR SHRT NAT MUN ETF 464288158   9,355,252 89,370 SH   SOLE   0 0 89,370
ISHARES TR MSCI ACWI EX US 464288240   556,271 11,406 SH   SOLE   0 0 11,406
ISHARES TR NATIONAL MUN ETF 464288414   340,351 3,159 SH   SOLE   0 0 3,159
ISHARES TR IBOXX HI YD ETF 464288513   976,559 12,926 SH   SOLE   0 0 12,926
ISHARES TR US TREAS BD ETF 46429B267   83,913,997 3,589,136 SH   SOLE   0 0 3,589,136
ISHARES TR MSCI USA QLT FCT 46432F339   2,794,812 22,527 SH   SOLE   0 0 22,527
ISHARES TR CORE MSCI EAFE 46432F842   24,581,748 367,715 SH   SOLE   0 0 367,715
ISHARES INC CORE MSCI EMKT 46434G103   254,027,961 5,206,558 SH   SOLE   0 0 5,206,558
ISHARES INC ESG AWR MSCI EM 46434G863   390,441 12,403 SH   SOLE   0 0 12,403
ISHARES TR HDG MSCI EAFE 46434V803   26,612,913 903,051 SH   SOLE   0 0 903,051
ISHARES TR ESG AWR MSCI USA 46435G425   1,304,397 14,421 SH   SOLE   0 0 14,421
ISHARES TR ESG AW MSCI EAFE 46435G516   760,883 10,591 SH   SOLE   0 0 10,591
KRANESHARES TR CALIFORNIA CARB 500767553   108,170,717 4,537,362 SH   SOLE   0 0 4,537,362
SPDR S&P 500 ETF TR TR UNIT 78462F103   137,352,801 335,506 SH   SOLE   0 0 335,506
SPDR SER TR PORTFOLIO S&P400 78464A847   765,303 17,417 SH   SOLE   0 0 17,417
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,746,542 3,810 SH   SOLE   0 0 3,810
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   42,447,688 462,292 SH   SOLE   0 0 462,292
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   226,311 4,374 SH   SOLE   0 0 4,374
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,232,618 46,962 SH   SOLE   0 0 46,962
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   45,534,206 1,008,063 SH   SOLE   0 0 1,008,063
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   573,537 6,228 SH   SOLE   0 0 6,228
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   33,497,934 829,157 SH   SOLE   0 0 829,157
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   135,106,689 2,253,280 SH   SOLE   0 0 2,253,280
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   58,037,724 885,937 SH   SOLE   0 0 885,937
VANGUARD INDEX FDS SMALL CP ETF 922908751   214,203 1,130 SH   SOLE   0 0 1,130
SPDR SER TR NUVEEN BLOOMBERG 78464A284   27,842,978 1,111,940 SH   SOLE   0 0 1,111,940
NU STK HOLDINGS G6683N103   2,184,802 458,992 SH   SOLE   0 0 458,992
SPDR Blackstone SENIOR LOAN ETF 78867V608   700,757 16,902 SH   SOLE   0 0 16,902
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,596,266 7,821 SH   SOLE   0 0 7,821