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 2,419 69,496 SH   SOLE   69,496 0 0
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106 54,824 1,252,544 SH   SOLE   1,252,544 0 0
ENGINE NO 1 ETF TRUST TRANSFORM CLMTE 29287L205 16,754 386,396 SH   SOLE   386,396 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 215,567 12,036,133 SH   SOLE   12,036,133 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,663 13,070 SH   SOLE   13,070 0 0
ISHARES GOLD TR ISHARES NEW 464285204 3,350 97,626 SH   SOLE   97,626 0 0
ISHARES INC CORE MSCI EMKT 46434G103 174,269 3,552,157 SH   SOLE   3,552,157 0 0
ISHARES TR MSCI ACWI EX US 464288240 513 11,406 SH   SOLE   11,406 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 7,784 57,173 SH   SOLE   57,173 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 487 5,807 SH   SOLE   5,807 0 0
ISHARES TR HDG MSCI EAFE 46434V803 89,882 2,824,695 SH   SOLE   2,824,695 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,357 3,578 SH   SOLE   3,578 0 0
ISHARES TR COHEN STEER REIT 464287564 347 5,708 SH   SOLE   5,708 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,368 227,155 SH   SOLE   227,155 0 0
ISHARES TR CORE US AGGBD ET 464287226 15,035 147,862 SH   SOLE   147,862 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 5,434 48,636 SH   SOLE   48,636 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 387 6,164 SH   SOLE   6,164 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 10,561 100,901 SH   SOLE   100,901 0 0
ISHARES TR US TREAS BD ETF 46429B267 49,994 2,091,787 SH   SOLE   2,091,787 0 0
ISHARES TR RUS 1000 ETF 464287622 12,291 59,159 SH   SOLE   59,159 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,573 9,290 SH   SOLE   9,290 0 0
ISHARES TR CORE S&P MCP ETF 464287507 369 1,630 SH   SOLE   1,630 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 2,102 40,718 SH   SOLE   40,718 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,243 19,893 SH   SOLE   19,893 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 552 2,523 SH   SOLE   2,523 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,763 45,205 SH   SOLE   45,205 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 210 1,650 SH   SOLE   1,650 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,459 20,531 SH   SOLE   20,531 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 141,412 374,848 SH   SOLE   374,848 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,575 3,810 SH   SOLE   3,810 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 775 19,515 SH   SOLE   19,515 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 248 5,410 SH   SOLE   5,410 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 426 4,654 SH   SOLE   4,654 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 5,678 105,447 SH   SOLE   105,447 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,751 9,283 SH   SOLE   9,283 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,081 83,835 SH   SOLE   83,835 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 251 1,427 SH   SOLE   1,427 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 70,935 1,703,113 SH   SOLE   1,703,113 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 542 6,356 SH   SOLE   6,356 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 5,640 88,748 SH   SOLE   88,748 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 19,283 315,282 SH   SOLE   315,282 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,119 35,678 SH   SOLE   35,678 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 53,040 1,300,002 SH   SOLE   1,300,002 0 0