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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
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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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   235,618 13,487 SH   SOLE   13,487 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   282,678 2,835 SH   SOLE   2,835 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   3,897,028 263,669 SH   SOLE   263,669 0 0
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   3,689,488 37,343 SH   SOLE   37,343 0 0
ISHARES GOLD TR ISHARES NEW 464285204   7,541,104 218,014 SH   SOLE   218,014 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   363,140 5,735 SH   SOLE   5,735 0 0
ISHARES INC MSCI EURZONE ETF 464286608   311,024 7,879 SH   SOLE   7,879 0 0
ISHARES INC CORE MSCI EMKT 46434G103   755,746 16,183 SH   SOLE   16,183 0 0
ISHARES TR ASIA 50 ETF 464288430   2,107,721 37,147 SH   SOLE   37,147 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   522,361 18,458 SH   SOLE   18,458 0 0
ISHARES TR CORE S&P SCP ETF 464287804   332,565 3,514 SH   SOLE   3,514 0 0
ISHARES TR CORE S&P500 ETF 464287200   859,094 2,236 SH   SOLE   2,236 0 0
ISHARES TR INTL DEV RE ETF 464288489   1,403,796 66,657 SH   SOLE   66,657 0 0
ISHARES TR INTL TREA BD ETF 464288117   413,698 10,567 SH   SOLE   10,567 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   420,876 6,496 SH   SOLE   6,496 0 0
ISHARES TR MSCI CHINA ETF 46429B671   1,413,838 29,765 SH   SOLE   29,765 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   533,716 3,061 SH   SOLE   3,061 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,099,565 35,890 SH   SOLE   35,890 0 0
ISHARES TR TIPS BD ETF 464287176   977,332 9,182 SH   SOLE   9,182 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,083,441 12,869 SH   SOLE   12,869 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,153,588 175,479 SH   SOLE   175,479 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,695,550 114,733 SH   SOLE   114,733 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,379,824 75,622 SH   SOLE   75,622 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   268,550 5,455 SH   SOLE   5,455 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   431,544 13,805 SH   SOLE   13,805 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,911,941 150,956 SH   SOLE   150,956 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,111,989 52,135 SH   SOLE   52,135 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,375,620 65,179 SH   SOLE   65,179 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,236,845 7,291 SH   SOLE   7,291 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   409,367 15,292 SH   SOLE   15,292 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   1,407,635 36,373 SH   SOLE   36,373 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   699,556 23,562 SH   SOLE   23,562 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   708,574 21,498 SH   SOLE   21,498 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,088,758 37,020 SH   SOLE   37,020 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,580,512 6,748 SH   SOLE   6,748 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   465,787 22,655 SH   SOLE   22,655 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516   2,028,704 90,446 SH   SOLE   90,446 0 0
SPDR SER TR BLOOMBERG SHORT 78464A334   249,223 9,210 SH   SOLE   9,210 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490   4,051,320 98,333 SH   SOLE   98,333 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   2,334,507 51,901 SH   SOLE   51,901 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,453,405 142,526 SH   SOLE   142,526 0 0
VANECK ETF TRUST CHINA BOND ETF 92189F379   1,311,411 59,246 SH   SOLE   59,246 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   415,864 5,042 SH   SOLE   5,042 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,017,813 4,776 SH   SOLE   4,776 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,347,246 66,758 SH   SOLE   66,758 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   615,065 15,779 SH   SOLE   15,779 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   266,112 4,800 SH   SOLE   4,800 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,018,641 9,908 SH   SOLE   9,908 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,988,882 72,300 SH   SOLE   72,300 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   256,945 4,968 SH   SOLE   4,968 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   758,104 18,063 SH   SOLE   18,063 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   463,631 7,603 SH   SOLE   7,603 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,854,233 78,868 SH   SOLE   78,868 0 0