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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 182 2 SH   SOLE 1 2 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 24,513,600 268,760 SH   SOLE   268,760 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 399,490 3,851 SH   SOLE   3,851 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 479,846 4,646 SH   SOLE   4,646 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,108,663 6,723 SH   SOLE   6,723 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 216,114 11,227 SH   SOLE   11,227 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 312,178 1,011 SH   SOLE   1,011 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 229,846 358 SH   SOLE   358 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 272,985 1,673 SH   SOLE   1,673 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 233,385 4,465 SH   SOLE   4,465 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 208,545 3,362 SH   SOLE   3,362 0 0
DBX ETF TR XTRACK INTL REAL 233051846 BBG005BJ0T91 98,458 4,684 SH   SOLE 1 4,684 0 0
DBX ETF TR XTRACK INTL REAL 233051846 BBG005BJ0T91 515,940,034 24,545,197 SH   SOLE   24,545,197 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 BBG009RY6HH4 669,383,360 28,741,235 SH   SOLE   28,741,235 0 0
DBX ETF TR XTRACK USD HIGH 233051432 BBG00FGWY4G5 255,755,138 7,359,860 SH   SOLE   7,359,860 0 0
DBX ETF TR XTRACK USD HIGH 233051432 BBG00FGWY4G5 53,202 1,531 SH   SOLE 1 1,531 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 392,099 3,576 SH   SOLE   3,576 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 247,894 5,959 SH   SOLE   5,959 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 44,377,945 2,234,539 SH   SOLE   2,234,539 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 277,082 939 SH   SOLE   939 0 0
HUMANA INC COM 444859102 BBG001S5S1X6 280,611 578 SH   SOLE   578 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 BBG001S5NBT4 1,030,728 19,933 SH   SOLE   19,933 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 225,175,252 9,090,644 SH   SOLE   9,090,644 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 3,979,852 90,328 SH   SOLE 1 90,328 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 536,306,497 12,172,186 SH   SOLE   12,172,186 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 504,756,214 27,492,169 SH   SOLE   27,492,169 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 695,771 37,896 SH   SOLE 1 37,896 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 291,248,054 9,392,069 SH   SOLE   9,392,069 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 401,393 12,944 SH   SOLE 1 12,944 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 264,763 12,729 SH   SOLE 1 12,729 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 81,206,053 3,904,137 SH   SOLE   3,904,137 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 4,010,903 25,583 SH   SOLE 1 25,583 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 799,316,075 5,098,329 SH   SOLE   5,098,329 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 1,361,897 8,278 SH   SOLE 1 8,278 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 685,832,404 4,168,687 SH   SOLE   4,168,687 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,325,478 4,130 SH   SOLE   4,130 0 0
INVESCO SR INCOME TR COM 46131H107 BBG001SB0BV3 63,166 17,165 SH   SOLE   17,165 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 168,576 4,511 SH   SOLE 1 4,511 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 762,335,145 20,399,656 SH   SOLE   20,399,656 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 390,804,617 8,009,933 SH   SOLE   8,009,933 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 191,598 3,927 SH   SOLE 1 3,927 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 223,869 5,371 SH   SOLE   5,371 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 258,595 2,198 SH   SOLE 1 2,198 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 288,479,094 2,452,011 SH   SOLE   2,452,011 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 914,382 9,225 SH   SOLE   9,225 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 146,999 4,135 SH   SOLE 1 4,135 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 22,650,098 637,134 SH   SOLE   637,134 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 516,384,674 8,993,115 SH   SOLE   8,993,115 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 51,642 1,055 SH   SOLE 1 1,055 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 16,837,185 343,967 SH   SOLE   343,967 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 437,538 4,832 SH   SOLE   4,832 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 2,767,849 31,180 SH   SOLE 1 31,180 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 0 0 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 670,615 1,631 SH   SOLE   1,631 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 712,526 7,151 SH   SOLE   7,151 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 13,048,456 130,956 SH   SOLE 1 130,956 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 2,278,937 45,217 SH   SOLE 1 45,217 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 123,216,964 2,444,781 SH   SOLE   2,444,781 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 986,735 16,581 SH   SOLE 1 16,581 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 58,976 991 SH   SOLE   991 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 888,544 17,581 SH   SOLE   17,581 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 428,175,106 4,519,953 SH   SOLE   4,519,953 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 437,463 4,618 SH   SOLE 1 4,618 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 64,859 602 SH   SOLE 1 602 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 560,576,068 5,203,045 SH   SOLE   5,203,045 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 448,257 14,358 SH   SOLE 1 14,358 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 49,024 1,570 SH   SOLE   1,570 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 175,518 1,592 SH   SOLE 1 1,592 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 115,454 1,047 SH   SOLE   1,047 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 255,072 5,069 SH   SOLE   5,069 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 261,834 1,689 SH   SOLE   1,689 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 298,002 2,287 SH   SOLE   2,287 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 902,480 3,130 SH   SOLE   3,130 0 0
NUVEEN SR INCOME FD COM 67067Y104 BBG001SDFG15 67,548 14,652 SH   SOLE   14,652 0 0
OLO INC CL A 68134L109 BBG00ZCX7044 306,718 37,588 SH   SOLE   37,588 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 258,279 1,737 SH   SOLE   1,737 0 0
REE AUTOMOTIVE LTD CLASS A ORD SHS M8287R103 BBG00YVK1Z98 16,356 50,250 SH   SOLE   50,250 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 BBG00PZFPGG2 755,974 16,933 SH   SOLE 1 16,933 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 BBG00PZFPGG2 4,648,434,067 104,119,905 SH   SOLE   104,119,905 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,133,387 87,006 SH   SOLE 1 87,006 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,911,212,769 77,945,056 SH   SOLE   77,945,056 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 BBG00Z60CHB2 557,337 23,586 SH   SOLE 1 23,586 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 BBG00Z60CHB2 6,735 285 SH   SOLE   285 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,495,596,976 71,712,557 SH   SOLE   71,712,557 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 9,030,670 259,502 SH   SOLE 1 259,502 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 1,259,552,222 37,364,350 SH   SOLE   37,364,350 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 1,765,494 52,373 SH   SOLE 1 52,373 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 109,534 2,172 SH   SOLE 1 2,172 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 3,873,742,135 76,814,240 SH   SOLE   76,814,240 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 10,494,223 191,082 SH   SOLE 1 191,082 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 6,615,997,872 120,466,094 SH   SOLE   120,466,094 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 2,137,976 43,928 SH   SOLE 1 43,928 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 4,278,813,406 87,914,802 SH   SOLE   87,914,802 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,029,954,844 116,313,046 SH   SOLE   116,313,046 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 2,097,494 80,518 SH   SOLE 1 80,518 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 4,690,344 149,995 SH   SOLE 1 149,995 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 3,954,628,241 126,467,165 SH   SOLE   126,467,165 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,292,004 38,998 SH   SOLE 1 38,998 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,801,304,038 54,370,783 SH   SOLE   54,370,783 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 2,143,881 43,941 SH   SOLE 1 43,941 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 47,954 983 SH   SOLE   983 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 136,371 2,907 SH   SOLE   2,907 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 7,505,084 159,989 SH   SOLE 1 159,989 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 535,618 11,194 SH   SOLE   11,194 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 701,348,648 9,586,504 SH   SOLE   9,586,504 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 527,996 7,217 SH   SOLE 1 7,217 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 136,090 2,088 SH   SOLE   2,088 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 8,594,815 131,883 SH   SOLE 1 131,883 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 12,175,648 251,719 SH   SOLE 1 251,719 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 4,578,542,790 94,656,663 SH   SOLE   94,656,663 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 4,072,088 208,825 SH   SOLE 1 208,825 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 927,338,201 47,555,805 SH   SOLE   47,555,805 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,977,230,219 71,004,775 SH   SOLE   71,004,775 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,688,300 64,114 SH   SOLE 1 64,114 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 943,864,286 17,606,124 SH   SOLE   17,606,124 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 352,915 6,583 SH   SOLE 1 6,583 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 203,827 1,350 SH   SOLE   1,350 0 0
SNAP INC CL A 83304A106 BBG00441QMK5 341,569 30,470 SH   SOLE   30,470 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 217,486 6,771 SH   SOLE   6,771 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 852,767 2,083 SH   SOLE   2,083 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 BBG001V0JXM5 992,763,252 46,784,319 SH   SOLE   46,784,319 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 BBG001V0JXM5 58,122 2,739 SH   SOLE 1 2,739 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 443,772 4,781 SH   SOLE 1 4,781 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 7,426 80 SH   SOLE   80 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 4,834,953 142,372 SH   SOLE   142,372 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 1,114,502 23,804 SH   SOLE   23,804 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 108,473,711 4,067,256 SH   SOLE   4,067,256 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 147,912 5,546 SH   SOLE 1 5,546 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 185,205,376 5,700,381 SH   SOLE   5,700,381 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 46,136 1,420 SH   SOLE 1 1,420 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 295,667 9,979 SH   SOLE   9,979 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 231,241 5,679 SH   SOLE   5,679 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 31,546 255 SH   SOLE   255 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 280,327 2,266 SH   SOLE 1 2,266 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 253,865 2,438 SH   SOLE   2,438 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 1,091,011 5,259 SH   SOLE   5,259 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 227,957 9,028 SH   SOLE 1 9,028 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 206,783,724 8,189,454 SH   SOLE   8,189,454 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 6,497 88 SH   SOLE 1 88 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 225,182 3,050 SH   SOLE   3,050 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 71,325 1,458 SH   SOLE 1 1,458 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 36,404,204 744,158 SH   SOLE   744,158 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 9,020,039 23,985 SH   SOLE 1 23,985 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 492,813,516 1,310,430 SH   SOLE   1,310,430 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,821,672 9,610 SH   SOLE 1 9,610 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 315,196,467 1,662,779 SH   SOLE   1,662,779 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 955,141 4,680 SH   SOLE   4,680 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 337,367 2,443 SH   SOLE   2,443 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 291,768 7,222 SH   SOLE   7,222 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,157,218 28,644 SH   SOLE 1 28,644 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 192,581,398 1,762,920 SH   SOLE   1,762,920 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 109,022 998 SH   SOLE 1 998 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 274,713,178 6,771,338 SH   SOLE   6,771,338 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 41,097 1,013 SH   SOLE 1 1,013 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,193,933 43,307 SH   SOLE 1 43,307 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,762,365,842 34,788,114 SH   SOLE   34,788,114 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 22,465,953 280,054 SH   SOLE   280,054 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 779,979 9,723 SH   SOLE 1 9,723 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 23,368 502 SH   SOLE 1 502 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 5,639,617,691 121,151,830 SH   SOLE   121,151,830 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 120,709 2,062 SH   SOLE   2,062 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 237,204 4,052 SH   SOLE 1 4,052 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 455,779 5,979 SH   SOLE 1 5,979 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 100,876 1,323 SH   SOLE   1,323 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 426,414,119 9,440,206 SH   SOLE   9,440,206 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,690,471 125,979 SH   SOLE 1 125,979 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 89,925,530 852,375 SH   SOLE   852,375 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 104,005,028 1,678,854 SH   SOLE   1,678,854 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 212,828 5,473 SH   SOLE   5,473 0 0