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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRACK MSCI EAFE 233051200 2,729 69,496 SH   SOLE   69,496 0 0
DIDI GLOBAL INC SPONSORED ADS 23292E108 1,811 363,636 SH   SOLE   363,636 0 0
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106 68,001 1,215,816 SH   SOLE   1,215,816 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 213,779 11,778,478 SH   SOLE   11,778,478 0 0
ISHARES GOLD TR ISHARES NEW 464285204 1,681 48,286 SH   SOLE   48,286 0 0
ISHARES INC CORE MSCI EMKT 46434G103 233,390 3,898,931 SH   SOLE   3,898,931 0 0
ISHARES TR COHEN STEER REIT 464287564 434 5,708 SH   SOLE   5,708 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,823 198,590 SH   SOLE   198,590 0 0
ISHARES TR CORE S&P MCP ETF 464287507 461 1,630 SH   SOLE   1,630 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,895 3,973 SH   SOLE   3,973 0 0
ISHARES TR CORE US AGGBD ET 464287226 18,898 165,659 SH   SOLE   165,659 0 0
ISHARES TR HDG MSCI EAFE 46434V803 10,607 300,215 SH   SOLE   300,215 0 0
ISHARES TR MSCI ACWI EX US 464288240 634 11,406 SH   SOLE   11,406 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,061 38,901 SH   SOLE   38,901 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 14,526 99,793 SH   SOLE   99,793 0 0
ISHARES TR RUS 1000 ETF 464287622 11,294 42,711 SH   SOLE   42,711 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,130 6,970 SH   SOLE   6,970 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 11,301 68,055 SH   SOLE   68,055 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 3,837 57,801 SH   SOLE   57,801 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,191 9,850 SH   SOLE   9,850 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 9,671 90,070 SH   SOLE   90,070 0 0
ISHARES TR US TREAS BD ETF 46429B267 337,129 12,636,019 SH   SOLE   12,636,019 0 0
NU HLDGS LTD ORD SHS CL A G6683N103 5,000 555,043 SH   SOLE   555,043 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,806 17,638 SH   SOLE   17,638 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 287 1,650 SH   SOLE   1,650 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,448 20,170 SH   SOLE   20,170 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 143,878 302,926 SH   SOLE   302,926 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 315 5,387 SH   SOLE   5,387 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,333 26,793 SH   SOLE   26,793 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 6,791 108,775 SH   SOLE   108,775 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 551 4,749 SH   SOLE   4,749 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,642 44,992 SH   SOLE   44,992 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 255 1,130 SH   SOLE   1,130 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,888 7,821 SH   SOLE   7,821 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 117,075 2,367,060 SH   SOLE   2,367,060 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 724 6,739 SH   SOLE   6,739 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 71,396 1,074,115 SH   SOLE   1,074,115 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,926 22,860 SH   SOLE   22,860 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 52,080 1,019,970 SH   SOLE   1,019,970 0 0
WORKDAY INC CL A 98138H101 976 3,571 SH   SOLE   3,571 0 0