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
Estimated average burden
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
ISHARES TR MSCI ACWI ETF 464288257 22,597 213,626 SH   SOLE   0 0 213,626
ISHARES TR CORE US AGGBD ET 464287226 60,222 527,892 SH   SOLE   86,650 0 441,242
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,794 84,055 SH   SOLE   0 0 84,055
ISHARES TR MSCI EMG MKT ETF 464287234 2,337 47,849 SH   SOLE   0 0 47,849
ISHARES TR MSCI EAFE ETF 464287465 4,085 51,920 SH   SOLE   0 0 51,920
VANGUARD WORLD FD ESG US STK ETF 921910733 17,626 200,550 SH   SOLE   0 0 200,550
ISHARES INC MSCI CDA ETF 464286509 832 21,654 SH   SOLE   0 0 21,654
ISHARES INC MSCI STH AFR ETF 464286780 6,770 145,901 SH   SOLE   0 0 145,901
SPDR GOLD TR GOLD SHS 78463V107 48,194 281,900 SH   SOLE   10,581 0 271,319
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,869 102,793 SH   SOLE   0 0 102,793
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 9,699 179,745 SH   SOLE   114,184 0 65,561
ISHARES TR HDG MSCI EAFE 46434V803 441 12,476 SH   SOLE   12,476 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 27,507 239,190 SH   SOLE   13,842 0 225,348
ISHARES TR CORE MSCI EAFE 46432F842 4,111 55,082 SH   SOLE   0 0 55,082
ISHARES INC CORE MSCI EMKT 46434G103 43,528 727,156 SH   SOLE   50,794 0 676,362
ISHARES TR CORE S&P MCP ETF 464287507 16,145 57,032 SH   SOLE   0 0 57,032
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 761 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 62,038 130,061 SH   SOLE   72,946 0 57,115
ISHARES TR RUSSELL 2000 ETF 464287655 12,142 54,584 SH   SOLE   0 0 54,584
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,246 4,339 SH   SOLE   4,339 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,256 142,694 SH   SOLE   0 0 142,694
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,918 69,790 SH   SOLE   0 0 69,790
SPDR S&P 500 ETF TR TR UNIT 78462F103 39,883 83,971 SH   SOLE   0 0 83,971
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,656 72,309 SH   SOLE   0 0 72,309
ISHARES TR TIPS BD ETF 464287176 11,437 88,520 SH   SOLE   0 0 88,520
ISHARES TR 20 YR TR BD ETF 464287432 8,459 57,083 SH   SOLE   0 0 57,083
ISHARES TR MSCI USA MIN VOL 46429B697 7,072 87,420 SH   SOLE   87,420 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 60,116 1,177,352 SH   SOLE   251,815 0 925,537
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 37,898 423,821 SH   SOLE   0 0 423,821
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,115 113,048 SH   SOLE   49,628 0 63,420
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 15,676 71,629 SH   SOLE   0 0 71,629
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 10,190 138,194 SH   SOLE   0 0 138,194
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 320,036 733,070 SH   SOLE   62,867 0 670,203
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,713 92,122 SH   SOLE   0 0 92,122
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 201,494 1,875,583 SH   SOLE   182,884 0 1,692,699
VANGUARD INDEX FDS TOTAL STK MKT 922908769 71,569 296,427 SH   SOLE   0 0 296,427
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 21,822 424,554 SH   SOLE   353,855 0 70,699
VANGUARD INDEX FDS GROWTH ETF 922908736 66,564 207,428 SH   SOLE   94,836 0 112,592
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 56,513 1,142,606 SH   SOLE   21,733 0 1,120,873
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,690 58,047 SH   SOLE   0 0 58,047
ISHARES GOLD TR ISHARES NEW 464285204 11,176 321,048 SH   SOLE   0 0 321,048
EXACT SCIENCES CORP NOTE 0.375% 3/0 30063P105 886 11,389 SH   SOLE   0 0 11,389
LATCH INC COM 51818V106 156 20,653 SH   SOLE   0 0 20,653
RAYTHEON TECHNOLOGIES CORP COM 75513E101 27,135 315,305 SH   SOLE   0 0 315,305
CARRIER GLOBAL CORPORATION COM 14448C104 4,620 85,186 SH   SOLE   0 0 85,186
OTIS WORLDWIDE CORP COM 68902V107 3,708 42,592 SH   SOLE   0 0 42,592
SNOWFLAKE INC CL A 833445109 1,726 5,096 SH   SOLE   5,096 0 0
BIGCOMMERCE HLDGS INC COM SER 1 08975P108 487 13,766 SH   SOLE   13,766 0 0
WARBY PARKER INC CL A COM 93403J106 562 12,330 SH   SOLE   12,330 0 0
DOXIMITY INC CL A 26622P107 3,408 67,988 SH   SOLE   67,988 0 0