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
ISHARES TR MSCI ACWI ETF 464288257 23,710 237,626 SH   SOLE   0 0 237,626
ISHARES TR CORE US AGGBD ET 464287226 64,223 599,651 SH   SOLE   95,589 0 504,062
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,548 84,055 SH   SOLE   0 0 84,055
ISHARES TR MSCI EAFE ETF 464287465 3,988 54,188 SH   SOLE   0 0 54,188
VANGUARD WORLD FD ESG US STK ETF 921910733 10,906 134,507 SH   SOLE   0 0 134,507
ISHARES INC MSCI CDA ETF 464286509 893 22,198 SH   SOLE   0 0 22,198
ISHARES INC MSCI STH AFR ETF 464286780 7,382 132,939 SH   SOLE   0 0 132,939
SPDR GOLD TR GOLD SHS 78463V107 42,481 235,155 SH   SOLE   0 0 235,155
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 11,812 188,154 SH   SOLE   97,616 0 90,538
ISHARES TR HDG MSCI EAFE 46434V803 423 12,476 SH   SOLE   12,476 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 25,706 239,190 SH   SOLE   13,842 0 225,348
ISHARES TR CORE MSCI EAFE 46432F842 7,104 102,208 SH   SOLE   0 0 102,208
ISHARES INC CORE MSCI EMKT 46434G103 44,417 799,593 SH   SOLE   73,034 0 726,559
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 725 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 60,728 133,854 SH   SOLE   76,739 0 57,115
ISHARES TR RUSSELL 2000 ETF 464287655 9,141 44,533 SH   SOLE   0 0 44,533
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,069 142,694 SH   SOLE   0 0 142,694
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,726 69,968 SH   SOLE   0 0 69,968
SPDR S&P 500 ETF TR TR UNIT 78462F103 36,918 81,741 SH   SOLE   0 0 81,741
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,402 22,889 SH   SOLE   0 0 22,889
ISHARES TR TIPS BD ETF 464287176 17,002 136,486 SH   SOLE   0 0 136,486
ISHARES TR 20 YR TR BD ETF 464287432 7,540 57,083 SH   SOLE   0 0 57,083
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 180 2,304 SH   SOLE   0 0 2,304
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 92,827 1,932,681 SH   SOLE   283,148 0 1,649,533
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 36,279 451,233 SH   SOLE   0 0 451,233
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,575 60,670 SH   SOLE   36,419 0 24,251
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 14,842 71,629 SH   SOLE   0 0 71,629
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 19,088 262,195 SH   SOLE   0 0 262,195
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 354,133 852,983 SH   SOLE   58,679 0 794,304
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,269 92,122 SH   SOLE   0 0 92,122
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 254,630 2,513,871 SH   SOLE   229,139 0 2,284,732
VANGUARD INDEX FDS TOTAL STK MKT 922908769 72,276 317,458 SH   SOLE   0 0 317,458
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 61,635 1,203,582 SH   SOLE   353,855 0 849,727
VANGUARD INDEX FDS GROWTH ETF 922908736 57,479 199,859 SH   SOLE   94,836 0 105,023
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 58,706 1,272,616 SH   SOLE   21,733 0 1,250,883
ISHARES GOLD TR ISHARES NEW 464285204 20,498 556,551 SH   SOLE   54,002 0 502,549
VANGUARD SCOTTSDALE FDS VNG RUS2000 IDX 92206C664 2,561 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,998 79,440 SH   SOLE   0 0 79,440
ISHARES TR CRE U S REIT ETF 464288521 5,180 80,120 SH   SOLE   0 0 80,120
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 50,028 317,216 SH   SOLE   0 0 317,216
COINBASE GLOBAL INC COM CL A 19260Q107 305 1,608 SH   SOLE   0 0 1,608
LATCH INC COM CL A 51818V106 88 20,653 SH   SOLE   0 0 20,653