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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
OMB APPROVAL
OMB Number: 3235-0006
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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 ETFS BBRG ALL COMD K1 003261104   37,193,161 1,883,198 SH   SOLE   1,883,198 0 0
DBX ETF TR XTRACKERS S&P 233051143   492,481 9,245 SH   SOLE   9,245 0 0
ISHARES INC CORE MSCI EMKT 46434G103   80,752,642 1,546,393 SH   SOLE   1,546,393 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   2,393,866 31,069 SH   SOLE   31,069 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   93,783,033 2,200,963 SH   SOLE   2,200,963 0 0
ISHARES TR CORE US AGGBD ET 464287226   25,433,440 262,471 SH   SOLE   262,471 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,231,010 74,431 SH   SOLE   74,431 0 0
ISHARES TR GLB INFRASTR ETF 464288372   36,128,972 691,199 SH   SOLE   691,199 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   35,476,151 1,480,023 SH   SOLE   1,480,023 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   403,546 35,461 SH   SOLE   35,461 0 0
ISHARES TR ESG AW MSCI ETF 46435G516   523,691 6,878 SH   SOLE   6,878 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   7,014,390 151,042 SH   SOLE   151,042 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,116,096 8,664 SH   SOLE   8,664 0 0
ISHARES TR MSCI EAFE ETF 464287465   7,932,397 104,912 SH   SOLE   104,912 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   9,891,053 44,764 SH   SOLE   44,764 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,983,812 200,973 SH   SOLE   200,973 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,979,945 21,276 SH   SOLE   21,276 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,980,470 47,357 SH   SOLE   47,357 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,918,502 15,150 SH   SOLE   15,150 0 0
ISHARES TR CORE S&P MCP ETF 464287507   4,633,681 74,365 SH   SOLE   74,365 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,857,105 33,476 SH   SOLE   33,476 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   9,220 179 SH   SOLE   179 0 0
ISHARES TR MSCI USA ESG SLC 464288802   944,876 7,771 SH   SOLE   7,771 0 0
ISHARES TR BROAD USD HIGH 46435U853   94,304,653 2,563,323 SH   SOLE   2,563,323 0 0
PROGRESSIVE CORP COM 743315103   18,842,930 78,640 SH   SOLE   78,640 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   197,275,773 7,637,467 SH   SOLE   7,637,467 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   4,012 53 SH   SOLE   53 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   34,485,670 693,040 SH   SOLE   693,040 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,975,218 35,789 SH   SOLE   35,789 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   32,047,863 1,365,482 SH   SOLE   1,365,482 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144   185,000,911 6,459,529 SH   SOLE   6,459,529 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   425,360 6,170 SH   SOLE   6,170 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   89,714,445 472,231 SH   SOLE   472,231 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   382,490,981 709,881 SH   SOLE   709,881 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   128,865,404 761,166 SH   SOLE   761,166 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   928,891 8,114 SH   SOLE   8,114 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042858   130,267,589 2,957,938 SH   SOLE   2,957,938 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   231,106,069 1,967,195 SH   SOLE   1,967,195 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   388,588,052 6,699,794 SH   SOLE   6,699,794 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   305,741,768 3,808,917 SH   SOLE   3,808,917 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   335,524,505 6,061,870 SH   SOLE   6,061,870 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C409   328,125,428 4,206,197 SH   SOLE   4,206,197 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 922020805   3,174,609 65,564 SH   SOLE   65,564 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   111,335,284 1,913,635 SH   SOLE   1,913,635 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   185,907,798 2,455,525 SH   SOLE   2,455,525 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   109,698,172 2,293,981 SH   SOLE   2,293,981 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   37,928,265 729,530 SH   SOLE   729,530 0 0