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
EXXON MOBIL CORP COM 30231G102   960,632 8,957 SH   SOLE 0 0 0 8,957
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   26,739,477 494,443 SH   SOLE 0 0 0 494,443
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101   205,512 7,612 SH   SOLE 0 0 0 7,612
ISHARES GOLD TR ISHARES NEW 464285204   433,587 11,915 SH   SOLE 0 0 0 11,915
ISHARES INC CORE MSCI EMKT 46434G103   9,472,548 192,180 SH   SOLE 0 0 0 192,180
ISHARES TR 3 7 YR TREAS BD 464288661   1,708,258 14,821 SH   SOLE 0 0 0 14,821
ISHARES TR TRS FLT RT BD 46434V860   8,676,676 171,239 SH   SOLE 0 0 0 171,239
ISHARES TR CORE INTL AGGR 46435G672   931,078 18,890 SH   SOLE 0 0 0 18,890
ISHARES TR CORE S&P TTL STK 464287150   12,897,792 131,825 SH   SOLE 0 0 0 131,825
ISHARES TR MRGSTR MD CP ETF 464288208   391,733 6,189 SH   SOLE 0 0 0 6,189
ISHARES TR CORE MSCI INTL 46435G326   22,031,359 360,461 SH   SOLE 0 0 0 360,461
ISHARES TR CORE US AGGBD ET 464287226   24,556,863 250,708 SH   SOLE 0 0 0 250,708
ISHARES TR CORE MSCI EAFE 46432F842   229,700 3,403 SH   SOLE 0 0 0 3,403
ISHARES TR TIPS BD ETF 464287176   10,341,909 96,097 SH   SOLE 0 0 0 96,097
ISHARES TR ESG AWR US AGRGT 46435U549   2,526,535 53,562 SH   SOLE 0 0 0 53,562
ISHARES TR U.S. TECH ETF 464287721   361,038 3,316 SH   SOLE 0 0 0 3,316
ISHARES TR CORE S&P SCP ETF 464287804   13,792,643 138,411 SH   SOLE 0 0 0 138,411
ISHARES TR 20 YR TR BD ETF 464287432   291,220 2,829 SH   SOLE 0 0 0 2,829
ISHARES TR 0-5YR INVT GR CP 46434V100   723,084 14,999 SH   SOLE 0 0 0 14,999
ISHARES TR SHORT TREAS BD 464288679   33,733,888 305,422 SH   SOLE 0 0 0 305,422
ISHARES TR CORE S&P500 ETF 464287200   244,063,993 547,585 SH   SOLE 0 0 0 547,585
ISHARES TR CORE MSCI TOTAL 46432F834   4,052,692 64,719 SH   SOLE 0 0 0 64,719
ISHARES TR CORE S&P MCP ETF 464287507   18,525,666 70,849 SH   SOLE 0 0 0 70,849
ISHARES TR CORE 1 5 YR USD 46432F859   14,498,485 310,859 SH   SOLE 0 0 0 310,859
LILLY ELI & CO COM 532457108   561,247 1,197 SH   SOLE 0 0 0 1,197
PROSPECT CAP CORP NOTE 6.375% 3/0 74348TAT9   48,249 49,000 PRN   SOLE 0 0 0 49,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   211,524 4,039 SH   SOLE 0 0 0 4,039
UNION PAC CORP COM 907818108   247,959 1,212 SH   SOLE 0 0 0 1,212
VANGUARD INDEX FDS TOTAL STK MKT 922908769   773,148 3,510 SH   SOLE 0 0 0 3,510
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   209,740 4,542 SH   SOLE 0 0 0 4,542