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
ABRDN ETFS BBRG ALL COMD K1 003261104   27,467,687 1,389,362 SH   SOLE   1,389,362 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   1,981,270 31,069 SH   SOLE   31,069 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   66,955,701 1,573,577 SH   SOLE   1,573,577 0 0
ISHARES TR BROAD USD HIGH 46435U853   67,303,866 1,839,406 SH   SOLE   1,839,406 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,517,144 74,335 SH   SOLE   74,335 0 0
ISHARES TR CORE MSCI EMKT 46434G103   79,075,917 1,532,479 SH   SOLE   1,532,479 0 0
ISHARES TR CORE S&P MCP ETF 464287507   4,399,095 72,425 SH   SOLE   72,425 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,778,679 34,190 SH   SOLE   34,190 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,300,225 15,788 SH   SOLE   15,788 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   9,615,911 204,333 SH   SOLE   204,333 0 0
ISHARES TR GL CLEAN ENE ETF 464288224   495,745 35,461 SH   SOLE   35,461 0 0
ISHARES TR GLB INFRASTR ETF 464288372   27,899,891 585,886 SH   SOLE   585,886 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   27,221,747 1,149,567 SH   SOLE   1,149,567 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,930,794 198,704 SH   SOLE   198,704 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   19,505 378 SH   SOLE   378 0 0
ISHARES TR MSCI EAFE ETF 464287465   8,413,251 105,350 SH   SOLE   105,350 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,992,297 48,498 SH   SOLE   48,498 0 0
ISHARES TR MSCI USA ESG SLC 464288802   539,846 4,945 SH   SOLE   4,945 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   8,264,580 39,299 SH   SOLE   39,299 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,028,325 22,562 SH   SOLE   22,562 0 0
PROGRESSIVE CORP COM 743315103   16,690,994 80,703 SH   SOLE   80,703 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   134,678,737 2,582,031 SH   SOLE   2,582,031 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   28,969,866 500,084 SH   SOLE   500,084 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,576,830 35,515 SH   SOLE   35,515 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   76,689,450 3,268,945 SH   SOLE   3,268,945 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   68,813,105 392,612 SH   SOLE   392,612 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,778,137 5,166 SH   SOLE   5,166 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   242,963,085 505,436 SH   SOLE   505,436 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   105,480,025 647,673 SH   SOLE   647,673 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   114,093,875 2,731,479 SH   SOLE   2,731,479 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   146,523,000 1,326,000 SH   SOLE   1,326,000 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,705,076 35,604 SH   SOLE   35,604 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   365,855,296 6,248,596 SH   SOLE   6,248,596 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   282,485,437 3,508,700 SH   SOLE   3,508,700 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   238,696,443 4,029,312 SH   SOLE   4,029,312 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   111,124,784 1,913,635 SH   SOLE   1,913,635 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   316,845,371 4,098,375 SH   SOLE   4,098,375 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   134,780,173 1,759,073 SH   SOLE   1,759,073 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   111,182,089 2,216,107 SH   SOLE   2,216,107 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   29,044,147 659,345 SH   SOLE   659,345 0 0