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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRACK MSCI EAFE 233051200 2,624 69,496 SH   SOLE   69,496 0 0
DIDI GLOBAL INC SPONSORED ADS 23292E108 2,833 363,636 SH   SOLE   363,636 0 0
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106 102,526 2,011,901 SH   SOLE   2,011,901 0 0
FACEBOOK INC CL A 30303M102 339,450 1,000,176 SH   SOLE   1,000,176 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 240,630 13,797,581 SH   SOLE   13,797,581 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 96,912 4,383,174 SH   SOLE   4,383,174 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 26,415 73,793 SH   SOLE   73,793 0 0
ISHARES GOLD TR ISHARES NEW 464285204 703 21,049 SH   SOLE   21,049 0 0
ISHARES INC CORE MSCI EMKT 46434G103 322,381 5,219,894 SH   SOLE   5,219,894 0 0
ISHARES TR COHEN STEER REIT 464287564 373 5,708 SH   SOLE   5,708 0 0
ISHARES TR CORE MSCI EAFE 46432F842 8,026 108,094 SH   SOLE   108,094 0 0
ISHARES TR CORE S&P MCP ETF 464287507 429 1,630 SH   SOLE   1,630 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,712 3,973 SH   SOLE   3,973 0 0
ISHARES TR CORE US AGGBD ET 464287226 24,228 210,991 SH   SOLE   210,991 0 0
ISHARES TR HDG MSCI EAFE 46434V803 8,008 232,859 SH   SOLE   232,859 0 0
ISHARES TR IBOXX HI YD ETF 464288513 10,140 115,906 SH   SOLE   115,906 0 0
ISHARES TR JPMORGAN USD EMG 464288281 48,928 444,562 SH   SOLE   444,562 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,097 39,696 SH   SOLE   39,696 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,918 16,618 SH   SOLE   16,618 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 21,732 164,977 SH   SOLE   164,977 0 0
ISHARES TR RUS 1000 ETF 464287622 2,894 11,972 SH   SOLE   11,972 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,047 7,470 SH   SOLE   7,470 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 10,044 62,683 SH   SOLE   62,683 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,925 8,799 SH   SOLE   8,799 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 8,328 77,415 SH   SOLE   77,415 0 0
ISHARES TR US TREAS BD ETF 46429B267 320,341 12,074,661 SH   SOLE   12,074,661 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 425 4,249 SH   SOLE   4,249 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 143,362 334,067 SH   SOLE   334,067 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 318 6,001 SH   SOLE   6,001 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,442 31,239 SH   SOLE   31,239 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 426 4,654 SH   SOLE   4,654 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 73,393 1,174,664 SH   SOLE   1,174,664 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 408 4,004 SH   SOLE   4,004 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 78,647 199,408 SH   SOLE   199,408 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 34,480 689,463 SH   SOLE   689,463 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 830 8,150 SH   SOLE   8,150 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 128,887 1,908,019 SH   SOLE   1,908,019 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 11,198 162,982 SH   SOLE   162,982 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,520 22,915 SH   SOLE   22,915 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 51,179 1,013,639 SH   SOLE   1,013,639 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 3,834 47,892 SH   SOLE   47,892 0 0