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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 PHYSICAL GOLD SHARES ETF COM 00326A104   19,858 1,081 SH   SOLE 0 1,081 0 0
FRANKLIN FTSE JAPAN ETF COM 35473P744   19,882 735 SH   SOLE 0 735 0 0
INVESCO QQQ TRUST COM 46090E103   19,949 54 SH   SOLE 0 54 0 0
ISHARES 1 3 YEAR TREASURY BOND ETF COM 464287457   1,135 14 SH   SOLE 0 14 0 0
ISHARES CORE MSCI EMERGING MKTS COM 46434G103   3,296,072 66,871 SH   SOLE 0 66,871 0 0
ISHARES CORE S P SMALL CAP COM 464287804   7,676,040 77,030 SH   SOLE 0 77,030 0 0
ISHARES CORE U.S. AGGREGATE BOND COM 464287226   49,738,716 507,797 SH   SOLE 0 507,797 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COM 46429B689   13,342,388 197,665 SH   SOLE 0 197,665 0 0
ISHARES NATIONAL MUNI BOND COM 464288414   14,342,804 134,384 SH   SOLE 0 134,384 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679   31,699 287 SH   SOLE 0 287 0 0
SIMPLIFY VOLATILITY PREMIUM ETF COM 82889N863   58,591 2,553 SH   SOLE 0 2,553 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463X509   18,325 533 SH   SOLE 0 533 0 0
SPDR PORTFOLIO S P 500 ETF COM 78464A854   20,271 389 SH   SOLE 0 389 0 0
VANGUARD FTSE EUROPE INDEX FUND COM 922042874   19,559 317 SH   SOLE 0 317 0 0
VANGUARD S P 500 ETF COM 922908363   247,574,108 607,872 SH   SOLE 0 607,872 0 0
VANGUARD SHORT TERM CORPORATE BOND COM 92206C409   59,949,579 792,355 SH   SOLE 0 792,355 0 0