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
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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
NU HLDGS LTD ORD SHS CL A G6683N103   3,823,403 458,992 SH   SOLE   0 0 458,992
DBX ETF TR XTRACK MSCI EAFE 233051200   3,901,982 105,516 SH   SOLE   0 0 105,516
TCW TRANSFORM ETF TRUST TRANSFRM 500 ETF 29287L106   67,116,419 1,206,696 SH   SOLE   0 0 1,206,696
TCW TRANSFORM ETF TRUST TRANSFORM SYSTEM 29287L205   21,555,892 379,877 SH   SOLE   0 0 379,877
GRANITESHARES GOLD TR SHS BEN INT 38748G101   235,841,057 11,566,506 SH   SOLE   0 0 11,566,506
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   9,207,120 170,250 SH   SOLE   0 0 170,250
ISHARES GOLD TR ISHARES NEW 464285204   3,075,681 78,803 SH   SOLE   0 0 78,803
ISHARES TR CORE US AGGBD ET 464287226   1,456,692 14,677 SH   SOLE   0 0 14,677
ISHARES TR 20 YR TR BD ETF 464287432   32,999,297 333,731 SH   SOLE   0 0 333,731
ISHARES TR 1 3 YR TREAS BD 464287457   1,283,845 15,649 SH   SOLE   0 0 15,649
ISHARES TR RUS MID CAP ETF 464287499   1,198,674 15,421 SH   SOLE   0 0 15,421
ISHARES TR CORE S&P MCP ETF 464287507   451,755 1,630 SH   SOLE   0 0 1,630
ISHARES TR COHEN STEER REIT 464287564   243,142 4,140 SH   SOLE   0 0 4,140
ISHARES TR RUS 1000 VAL ETF 464287598   1,432,552 8,669 SH   SOLE   0 0 8,669
ISHARES TR RUS 1000 GRW ETF 464287614   2,518,736 8,308 SH   SOLE   0 0 8,308
ISHARES TR RUS 1000 ETF 464287622   38,287,862 145,992 SH   SOLE   0 0 145,992
ISHARES TR RUS 2000 VAL ETF 464287630   2,097,732 13,505 SH   SOLE   0 0 13,505
ISHARES TR RUSSELL 3000 ETF 464287689   6,685,278 24,422 SH   SOLE   0 0 24,422
ISHARES TR CORE S&P SCP ETF 464287804   201,453 1,861 SH   SOLE   0 0 1,861
ISHARES TR SHRT NAT MUN ETF 464288158   6,503,660 61,687 SH   SOLE   0 0 61,687
ISHARES TR MSCI ACWI EX US 464288240   816,640 16,000 SH   SOLE   0 0 16,000
ISHARES TR NATIONAL MUN ETF 464288414   329,024 3,035 SH   SOLE   0 0 3,035
ISHARES TR US TREAS BD ETF 46429B267   114,990,628 4,990,913 SH   SOLE   0 0 4,990,913
ISHARES TR MSCI USA QLT FCT 46432F339   916,682 6,230 SH   SOLE   0 0 6,230
ISHARES TR CORE MSCI EAFE 46432F842   31,348,523 445,608 SH   SOLE   0 0 445,608
ISHARES INC CORE MSCI EMKT 46434G103   248,420,457 4,911,436 SH   SOLE   0 0 4,911,436
ISHARES INC ESG AWR MSCI EM 46434G863   409,312 12,767 SH   SOLE   0 0 12,767
ISHARES TR HDG MSCI EAFE 46434V803   38,069,090 1,208,159 SH   SOLE   0 0 1,208,159
ISHARES TR ESG AWR MSCI USA 46435G425   1,519,652 14,484 SH   SOLE   0 0 14,484
ISHARES TR ESG AW MSCI EAFE 46435G516   813,488 10,769 SH   SOLE   0 0 10,769
KRANESHARES TR CALIFORNIA CARB 500767553   133,182,743 4,416,825 SH   SOLE   0 0 4,416,825
SPDR S&P 500 ETF TR TR UNIT 78462F103   118,267,585 248,822 SH   SOLE   0 0 248,822
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,174,358 85,943 SH   SOLE   0 0 85,943
SPDR SER TR PORTFOLIO S&P400 78464A847   783,466 16,081 SH   SOLE   0 0 16,081
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,933,118 3,810 SH   SOLE   0 0 3,810
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   7,070,022 77,361 SH   SOLE   0 0 77,361
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   14,469,927 280,262 SH   SOLE   0 0 280,262
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,897,669 69,822 SH   SOLE   0 0 69,822
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,810,142 92,592 SH   SOLE   0 0 92,592
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   32,193,638 672,101 SH   SOLE   0 0 672,101
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   25,289,323 615,312 SH   SOLE   0 0 615,312
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   110,395,825 1,861,022 SH   SOLE   0 0 1,861,022
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   105,886,977 1,720,900 SH   SOLE   0 0 1,720,900
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,529,106 9,300 SH   SOLE   0 0 9,300
VANGUARD INDEX FDS GROWTH ETF 922908736   1,865,280 6,000 SH   SOLE   0 0 6,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,084,097 13,001 SH   SOLE   0 0 13,001