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
ALPHA ARCHITECT 1-3 MONTH BOX ETF ETF 02072L565   3,558 33 SH   SOLE   0 0 33
ALPHABET INC CAP STK CL A Stock 02079K305   80,146 440 SH   SOLE   0 0 440
AMAZON COM INC COM Stock 023135106   54,110 280 SH   SOLE   0 0 280
BLACKROCK FLEXIBLE INCOME ETF ETF 092528603   4,000,817 76,644 SH   SOLE   0 0 76,644
BLACKROCK U.S. EQUITY FACTOR ROTATION ETF ETF 09290C103   2,107,371 44,895 SH   SOLE   0 0 44,895
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   886,498 17,544 SH   SOLE   0 0 17,544
COLUMBIA U.S. EQUITY INCOME ETF ETF 19761L854   75,010 1,706 SH   SOLE   0 0 1,706
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   130,345 1,430 SH   SOLE   0 0 1,430
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100   0 24 SH   SOLE   0 0 24
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   13,118 90 SH   SOLE   0 0 90
INVESCO QQQ TRUST SERIES I ETF 46090E103   2,396 5 SH   SOLE   0 0 5
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   69,841 1,655 SH   SOLE   0 0 1,655
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   2,320,749 25,286 SH   SOLE   0 0 25,286
ISHARES CONVERTIBLE BOND ETF ETF 46435G102   58,186 740 SH   SOLE   0 0 740
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   1,154,274 20,036 SH   SOLE   0 0 20,036
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,027,134 19,188 SH   SOLE   0 0 19,188
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   17,025 252 SH   SOLE   0 0 252
ISHARES CORE S&P 500 ETF ETF 464287200   2,044,451 3,736 SH   SOLE   0 0 3,736
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   23,875 201 SH   SOLE   0 0 201
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   1,064,931 23,550 SH   SOLE   0 0 23,550
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   2,159,322 22,245 SH   SOLE   0 0 22,245
ISHARES CURRENCY HEDGED MSCI EAFE ETF ETF 46434V803   349,826 9,839 SH   SOLE   0 0 9,839
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243   229,471 9,370 SH   SOLE   0 0 9,370
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663   256,988 6,675 SH   SOLE   0 0 6,675
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193   466,555 20,535 SH   SOLE   0 0 20,535
ISHARES ESG SCREENED S&P MID-CAP ETF ETF 46436E551   34,940 883 SH   SOLE   0 0 883
ISHARES ESG SCREENED S&P SMALL-CAP ETF ETF 46436E544   18,254 482 SH   SOLE   0 0 482
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   405,598 16,140 SH   SOLE   0 0 16,140
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   420,880 16,930 SH   SOLE   0 0 16,930
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   218,191 9,160 SH   SOLE   0 0 9,160
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   215,943 9,100 SH   SOLE   0 0 9,100
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515   137,721 5,560 SH   SOLE   0 0 5,560
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   141,688 6,250 SH   SOLE   0 0 6,250
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   89,292 4,200 SH   SOLE   0 0 4,200
ISHARES INVESTMENT GRADE SYSTEMATIC BOND ETF ETF 46435G219   160,938 3,628 SH   SOLE   0 0 3,628
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   4,424 50 SH   SOLE   0 0 50
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   1,186,680 11,600 SH   SOLE   0 0 11,600
ISHARES MSCI EAFE VALUE ETF ETF 464288877   481,709 9,082 SH   SOLE   0 0 9,082
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   550,086 9,292 SH   SOLE   0 0 9,292
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   4,398,748 112,644 SH   SOLE   0 0 112,644
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   5,560,328 66,226 SH   SOLE   0 0 66,226
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   11,713,794 68,598 SH   SOLE   0 0 68,598
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF ETF 464287556   16,883 123 SH   SOLE   0 0 123
ISHARES S&P MID-CAP FUND ETF ETF 464287507   856,733 14,640 SH   SOLE   0 0 14,640
ISHARES S&P SMALL-CAP FUND ETF ETF 464287804   514,528 4,824 SH   SOLE   0 0 4,824
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713   89,716 2,130 SH   SOLE   0 0 2,130
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   708,554 4,708 SH   SOLE   0 0 4,708
MICROSOFT CORP COM Stock 594918104   75,982 170 SH   SOLE   0 0 170
ROBLOX CORP CL A Stock 771049103   5,582 150 SH   SOLE   0 0 150
SCHWAB US TIPS ETF ETF 808524870   26,629 512 SH   SOLE   0 0 512
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF ETF 78464A359   185,194 2,570 SH   SOLE   0 0 2,570
SPDR GOLD SHARES ETF ETF 78463V107   6,171,862 28,705 SH   SOLE   0 0 28,705
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   8,340,544 130,321 SH   SOLE   0 0 130,321
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   15,780,869 196,941 SH   SOLE   0 0 196,941
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   10,708,227 219,701 SH   SOLE   0 0 219,701
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   1,024,205 34,485 SH   SOLE   0 0 34,485
SPDR S&P 500 ESG ETF ETF 78468R531   180,434 3,398 SH   SOLE   0 0 3,398
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF ETF 921908844   967,515 5,300 SH   SOLE   0 0 5,300
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885   384,191 6,107 SH   SOLE   0 0 6,107
VANGUARD ESG INTERNATIONAL STOCK ETF ETF 921910725   35,221 615 SH   SOLE   0 0 615
VANGUARD ESG U.S. STOCK ETF ETF 921910733   38,648 400 SH   SOLE   0 0 400
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   13,128 300 SH   SOLE   0 0 300
VANGUARD GROWTH INDEX FUND ETF ETF 922908736   7,620,371 20,375 SH   SOLE   0 0 20,375
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   5,521,423 46,555 SH   SOLE   0 0 46,555
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   678,845 8,493 SH   SOLE   0 0 8,493
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706   6,525,720 112,068 SH   SOLE   0 0 112,068
VANGUARD LARGE-CAP INDEX FUND ETF ETF 922908637   3,492,184 13,990 SH   SOLE   0 0 13,990
VANGUARD MEGA CAP ETF ETF 921910873   108,312 549 SH   SOLE   0 0 549
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   6,095,046 19,398 SH   SOLE   0 0 19,398
VANGUARD MEGA CAP VALUE ETF ETF 921910840   2,721,353 22,965 SH   SOLE   0 0 22,965
VANGUARD MID-CAP GROWTH INDEX FUND ETF ETF 922908538   311,283 1,356 SH   SOLE   0 0 1,356
VANGUARD MID-CAP INDEX FUND ETF ETF 922908629   7,142,434 29,502 SH   SOLE   0 0 29,502
VANGUARD MID-CAP VALUE INDEX FUND ETF ETF 922908512   182,772 1,215 SH   SOLE   0 0 1,215
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   1,004,793 22,132 SH   SOLE   0 0 22,132
VANGUARD S&P 500 ETF ETF 922908363   200,052 400 SH   SOLE   0 0 400
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   9,479,799 163,473 SH   SOLE   0 0 163,473
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   330,457 1,321 SH   SOLE   0 0 1,321
VANGUARD SMALL-CAP INDEX FUND ETF ETF 922908751   5,579,481 25,589 SH   SOLE   0 0 25,589
VANGUARD SMALL-CAP VALUE INDEX FUND ETF ETF 922908611   255,090 1,398 SH   SOLE   0 0 1,398
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   300,660 6,000 SH   SOLE   0 0 6,000
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,700,524 23,602 SH   SOLE   0 0 23,602
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   29,961 112 SH   SOLE   0 0 112
VANGUARD VALUE FUND ETF ETF 922908744   2,176,179 13,566 SH   SOLE   0 0 13,566