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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hours per response: 23.8
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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 480 27,669 SH   SOLE 0 0 0 27,669
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,275 62,079 SH   SOLE 0 0 0 62,079
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 38,166 1,638,018 SH   SOLE 0 0 0 1,638,018
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 24,143 1,126,092 SH   SOLE 0 0 0 1,126,092
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 10,404 138,828 SH   SOLE 0 0 0 138,828
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 3,350 112,598 SH   SOLE 0 0 0 112,598
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 6,383 229,850 SH   SOLE 0 0 0 229,850
ISHARES INC ESG AWR MSCI EM 46434G863 1,386 42,909 SH   SOLE 0 0 0 42,909
ISHARES TR ESG AW MSCI EAFE 46435G516 3,289 52,399 SH   SOLE 0 0 0 52,399
ISHARES TR CORE INTL AGGR 46435G672 14,776 296,643 SH   SOLE 0 0 0 296,643
ISHARES TR ESG ADV TTL USD 46436E619 2,691 61,165 SH   SOLE 0 0 0 61,165
ISHARES TR U S EQUITY FACTR 46434V282 15,796 416,786 SH   SOLE 0 0 0 416,786
ISHARES TR MSCI USA SML CP 46434V290 3,427 73,092 SH   SOLE 0 0 0 73,092
ISHARES TR CORE MSCI TOTAL 46432F834 8,562 150,134 SH   SOLE 0 0 0 150,134
ISHARES TR CORE TOTAL USD 46434V613 51,534 1,100,688 SH   SOLE 0 0 0 1,100,688
ISHARES TR INTL EQTY FACTOR 46434V274 9,912 421,258 SH   SOLE 0 0 0 421,258
ISHARES TR MODERT ALLOC ETF 464289875 225 5,766 SH   SOLE 0 0 0 5,766
ISHARES TR CONSER ALLOC ETF 464289883 309 8,945 SH   SOLE 0 0 0 8,945
ISHARES TR GRWT ALLOCAT ETF 464289867 2,177 45,348 SH   SOLE 0 0 0 45,348
ISHARES TR AGGRES ALLOC ETF 464289859 2,923 48,811 SH   SOLE 0 0 0 48,811
ISHARES TR CORE S&P TTL STK 464287150 3,021 36,062 SH   SOLE 0 0 0 36,062
ISHARES TR NATIONAL MUN ETF 464288414 5,582 52,481 SH   SOLE 0 0 0 52,481
ISHARES TR ESG MSCI LEADR 46435U218 5,774 86,975 SH   SOLE 0 0 0 86,975
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 323 6,948 SH   SOLE 0 0 0 6,948
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 241 4,806 SH   SOLE 0 0 0 4,806
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 1,318 40,158 SH   SOLE 0 0 0 40,158
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 38,846 1,346,963 SH   SOLE 0 0 0 1,346,963
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 14,515 417,466 SH   SOLE 0 0 0 417,466
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 487 5,328 SH   SOLE 0 0 0 5,328
SPDR SER TR PORTFOLIO SHORT 78464A474 326 10,977 SH   SOLE 0 0 0 10,977
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 19,163 386,811 SH   SOLE 0 0 0 386,811
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,150 34,374 SH   SOLE 0 0 0 34,374
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 75,739 218,343 SH   SOLE 0 0 0 218,343
VANGUARD INDEX FDS TOTAL STK MKT 922908769 40,956 217,136 SH   SOLE 0 0 0 217,136
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 13,916 106,148 SH   SOLE 0 0 0 106,148
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 955 22,925 SH   SOLE 0 0 0 22,925
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,964 46,447 SH   SOLE 0 0 0 46,447
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 63,314 1,268,313 SH   SOLE 0 0 0 1,268,313
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 460 6,552 SH   SOLE 0 0 0 6,552
VANGUARD STAR FDS VG TL INTL STK F 921909768 30,717 595,174 SH   SOLE 0 0 0 595,174
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,518 37,199 SH   SOLE 0 0 0 37,199