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
NU HLDGS LTD ORD SHS CL A G6683N103   1,868,097 458,992 SH   SOLE   0 0 458,992
DBX ETF TR XTRACK MSCI EAFE 233051200   1,810,359 56,170 SH   SOLE   0 0 56,170
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106   57,314,157 1,295,883 SH   SOLE   0 0 1,295,883
ENGINE NO 1 ETF TRUST TRANSFORM CLMTE 29287L205   19,641,488 414,737 SH   SOLE   0 0 414,737
GRANITESHARES GOLD TR SHS BEN INT 38748G101   216,593,101 11,999,678 SH   SOLE   0 0 11,999,678
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   7,491,000 170,250 SH   SOLE   0 0 170,250
ISHARES GOLD TR ISHARES NEW 464285204   2,450,782 70,852 SH   SOLE   0 0 70,852
ISHARES TR CORE S&P500 ETF 464287200   1,296,325 3,374 SH   SOLE   0 0 3,374
ISHARES TR CORE US AGGBD ET 464287226   24,193,383 249,442 SH   SOLE   0 0 249,442
ISHARES TR 20 YR TR BD ETF 464287432   102,143,769 1,025,952 SH   SOLE   0 0 1,025,952
ISHARES TR MSCI EAFE ETF 464287465   1,224,449 18,654 SH   SOLE   0 0 18,654
ISHARES TR CORE S&P MCP ETF 464287507   394,281 1,630 SH   SOLE   0 0 1,630
ISHARES TR COHEN STEER REIT 464287564   313,027 5,708 SH   SOLE   0 0 5,708
ISHARES TR RUS 1000 ETF 464287622   10,552,736 50,127 SH   SOLE   0 0 50,127
ISHARES TR RUS 2000 VAL ETF 464287630   6,017,765 43,396 SH   SOLE   0 0 43,396
ISHARES TR RUSSELL 2000 ETF 464287655   1,555,175 8,919 SH   SOLE   0 0 8,919
ISHARES TR SHRT NAT MUN ETF 464288158   10,472,879 100,440 SH   SOLE   0 0 100,440
ISHARES TR MSCI ACWI EX US 464288240   518,973 11,406 SH   SOLE   0 0 11,406
ISHARES TR IBOXX HI YD ETF 464288513   951,741 12,926 SH   SOLE   0 0 12,926
ISHARES TR US TREAS BD ETF 46429B267   57,204,148 2,517,729 SH   SOLE   0 0 2,517,729
ISHARES TR MSCI USA QLT FCT 46432F339   2,209,798 19,391 SH   SOLE   0 0 19,391
ISHARES TR CORE MSCI EAFE 46432F842   10,933,254 177,373 SH   SOLE   0 0 177,373
ISHARES INC CORE MSCI EMKT 46434G103   218,747,678 4,679,321 SH   SOLE   0 0 4,679,321
ISHARES INC ESG AWR MSCI EM 46434G863   371,480 12,354 SH   SOLE   0 0 12,354
ISHARES TR HDG MSCI EAFE 46434V803   18,314,811 678,326 SH   SOLE   0 0 678,326
ISHARES TR ESG AWR MSCI USA 46435G425   1,212,038 14,301 SH   SOLE   0 0 14,301
ISHARES TR ESG AW MSCI EAFE 46435G516   721,125 10,969 SH   SOLE   0 0 10,969
KRANESHARES TR CALIFORNIA CARB 500767553   106,704,346 4,592,819 SH   SOLE   0 0 4,592,819
SPDR S&P 500 ETF TR TR UNIT 78462F103   138,694,868 362,667 SH   SOLE   0 0 362,667
SPDR GOLD TR GOLD SHS 78463V107   3,482,879 20,531 SH   SOLE   0 0 20,531
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,778,607 56,741 SH   SOLE   0 0 56,741
SPDR SER TR PORTFOLIO S&P400 78464A847   752,888 17,715 SH   SOLE   0 0 17,715
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,687,030 3,810 SH   SOLE   0 0 3,810
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   425,701 4,654 SH   SOLE   0 0 4,654
SPDR SER TR NUVEEN BLMBRG MU 78468R721   246,804 5,410 SH   SOLE   0 0 5,410
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   439,939 10,860 SH   SOLE   0 0 10,860
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   5,631,573 111,406 SH   SOLE   0 0 111,406
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,081,709 72,978 SH   SOLE   0 0 72,978
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   44,935,516 1,070,658 SH   SOLE   0 0 1,070,658
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   536,791 6,228 SH   SOLE   0 0 6,228
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   43,849,592 1,124,925 SH   SOLE   0 0 1,124,925
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   142,314,901 2,433,565 SH   SOLE   0 0 2,433,565
VANGUARD INDEX FDS SMALL CP ETF 922908751   261,912 1,427 SH   SOLE   0 0 1,427
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,712,298 8,956 SH   SOLE   0 0 8,956