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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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
ISHARES TR CORE US AGGBD ET 464287226   75,243,711 775,149 SH   SOLE   130,188 0 644,961
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,904,015 37,862 SH   SOLE   0 0 37,862
VANGUARD WORLD FD ESG US STK ETF 921910733   1,395,386 14,442 SH   SOLE   0 0 14,442
SPDR GOLD TR GOLD SHS 78463V107   3,946,509 18,355 SH   SOLE   0 0 18,355
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   13,207,799 236,487 SH   SOLE   141,106 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306   6,530,053 51,188 SH   SOLE   0 0 51,188
ISHARES TR BARCLAYS 7 10 YR 464287440   18,047,105 192,708 SH   SOLE   12,881 0 179,827
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   560,657 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   18,429,611 33,678 SH   SOLE   0 0 33,678
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,802,686 36,963 SH   SOLE   0 0 36,963
SPDR S&P 500 ETF TR TR UNIT 78462F103   22,672,204 41,660 SH   SOLE   0 0 41,660
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,179,826 21,910 SH   SOLE   0 0 21,910
ISHARES TR TIPS BD ETF 464287176   12,262,615 114,840 SH   SOLE   0 0 114,840
ISHARES TR 20 YR TR BD ETF 464287432   7,658,307 83,442 SH   SOLE   0 0 83,442
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   134,219,285 2,715,890 SH   SOLE   310,254 0 2,405,636
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   66,982,225 1,161,273 SH   SOLE   0 0 1,161,273
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,305,955 75,286 SH   SOLE   22,573 0 52,713
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   5,016,629 20,387 SH   SOLE   0 0 20,387
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   69,783,755 911,372 SH   SOLE   0 0 911,372
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   506,453,642 1,012,644 SH   SOLE   104,278 0 908,366
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   407,454,566 3,617,638 SH   SOLE   84,168 0 3,533,470
VANGUARD INDEX FDS TOTAL STK MKT 922908769   81,598,307 305,029 SH   SOLE   0 0 305,029
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   240,761,265 4,960,059 SH   SOLE   219,117 0 4,740,942
VANGUARD INDEX FDS VALUE ETF 922908744   13,010,855 81,110 SH   SOLE   0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736   58,043,734 155,193 SH   SOLE   72,111 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   51,602,623 1,179,219 SH   SOLE   17,651 0 1,161,568
ISHARES TR CORE S&P SCP ETF 464287804   6,012,637 56,372 SH   SOLE   0 0 56,372
ISHARES GOLD TR ISHARES NEW 464285204   16,650,131 379,015 SH   SOLE   8,156 0 370,859
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   22,209,213 381,405 SH   SOLE   0 0 381,405
ISHARES TR CRE U S REIT ETF 464288521   4,291,227 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267   16,449,061 728,802 SH   SOLE   0 0 728,802
ISHARES TR 1 3 YR TREAS BD 464287457   601,026 7,361 SH   SOLE   0 0 7,361
VANGUARD WORLD FD ESG INTL STK ETF 921910725   3,868,187 67,543 SH   SOLE   0 0 67,543
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,578,256 77,422 SH   SOLE   0 0 77,422
ISHARES INC CORE MSCI EMKT 46434G103   18,950,477 354,016 SH   SOLE   66,092 0 287,924
ISHARES TR CORE MSCI EAFE 46432F842   38,262,683 526,744 SH   SOLE   0 0 526,744
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   5,128,330 52,218 SH   SOLE   0 0 52,218
ISHARES INC MSCI CDA ETF 464286509   749,218 20,200 SH   SOLE   0 0 20,200
ISHARES TR MSCI USA MIN VOL 46429B697   5,527,862 65,881 SH   SOLE   65,881 0 0
ISHARES TR MSCI ACWI ETF 464288257   73,290,983 652,055 SH   SOLE   0 0 652,055
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   19,026,731 202,822 SH   SOLE   0 0 202,822
ISHARES TR RUSSELL 3000 ETF 464287689   4,340,826 14,063 SH   SOLE   0 0 14,063
ISHARES TR CORE 1 5 YR USD 46432F859   2,227,953 47,033 SH   SOLE   0 0 47,033
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,350,384 45,191 SH   SOLE   0 0 45,191
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   513,274 10,284 SH   SOLE   0 0 10,284
GLOBAL X FDS GLOBAL X URANIUM 37954Y871   552,945 19,100 SH   SOLE   0 0 19,100
ISHARES TR RUS 1000 GRW ETF 464287614   5,193,174 14,247 SH   SOLE   0 0 14,247
ISHARES TR RUS 1000 ETF 464287622   42,774,350 143,760 SH   SOLE   0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339   48,096,090 281,659 SH   SOLE   0 0 281,659
ISHARES TR MSCI EAFE ETF 464287465   9,997,963 127,639 SH   SOLE   127,639 0 0