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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
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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   1,901,330 94,312 SH   SOLE   94,312 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   252,827 13,763 SH   SOLE   13,763 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   500,651 5,003 SH   SOLE   5,003 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   2,792,563 205,260 SH   SOLE   205,260 0 0
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   3,670,089 36,406 SH   SOLE   36,406 0 0
ISHARES GOLD TR ISHARES NEW 464285204   7,610,787 209,145 SH   SOLE   209,145 0 0
ISHARES INC JP MORGAN EM ETF 464286517   203,648 5,501 SH   SOLE   5,501 0 0
ISHARES INC MSCI EM ASIA ETF 464286426   357,266 5,437 SH   SOLE   5,437 0 0
ISHARES INC MSCI EURZONE ETF 464286608   349,241 7,622 SH   SOLE   7,622 0 0
ISHARES INC CORE MSCI EMKT 46434G103   687,744 13,953 SH   SOLE   13,953 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   306,620 3,047 SH   SOLE   3,047 0 0
ISHARES TR ASIA 50 ETF 464288430   2,227,713 37,384 SH   SOLE   37,384 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   422,125 15,525 SH   SOLE   15,525 0 0
ISHARES TR CORE S&P SCP ETF 464287804   341,102 3,423 SH   SOLE   3,423 0 0
ISHARES TR CORE S&P500 ETF 464287200   805,398 1,807 SH   SOLE   1,807 0 0
ISHARES TR INTL DEV RE ETF 464288489   1,323,436 66,655 SH   SOLE   66,655 0 0
ISHARES TR INTL TREA BD ETF 464288117   402,433 10,165 SH   SOLE   10,165 0 0
ISHARES TR MSCI AC ASIA ETF 464288182   415,317 6,251 SH   SOLE   6,251 0 0
ISHARES TR MSCI CHINA ETF 46429B671   1,466,488 32,778 SH   SOLE   32,778 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   481,097 2,569 SH   SOLE   2,569 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   3,340,048 47,390 SH   SOLE   47,390 0 0
ISHARES TR TIPS BD ETF 464287176   923,918 8,585 SH   SOLE   8,585 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,034,759 11,957 SH   SOLE   11,957 0 0
PROSHARES TR BITCOIN STRATE 74347G440   201,978 11,895 SH   SOLE   11,895 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   4,549,186 184,701 SH   SOLE   184,701 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,951,660 110,846 SH   SOLE   110,846 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,512,556 74,402 SH   SOLE   74,402 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   331,768 9,996 SH   SOLE   9,996 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,452,885 176,799 SH   SOLE   176,799 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,316,188 52,881 SH   SOLE   52,881 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,486,858 66,505 SH   SOLE   66,505 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,077,821 6,046 SH   SOLE   6,046 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   310,592 12,539 SH   SOLE   12,539 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   1,692,202 36,803 SH   SOLE   36,803 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   694,274 21,336 SH   SOLE   21,336 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   664,772 19,336 SH   SOLE   19,336 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,089,177 35,699 SH   SOLE   35,699 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,876,001 6,488 SH   SOLE   6,488 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   445,630 21,060 SH   SOLE   21,060 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516   1,950,485 86,496 SH   SOLE   86,496 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490   4,014,389 96,130 SH   SOLE   96,130 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   2,747,604 52,727 SH   SOLE   52,727 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,587,755 140,366 SH   SOLE   140,366 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   474,821 9,714 SH   SOLE   9,714 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,134,104 4,008 SH   SOLE   4,008 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   505,956 6,055 SH   SOLE   6,055 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   263,729 1,326 SH   SOLE   1,326 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,820,344 70,214 SH   SOLE   70,214 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   750,140 18,440 SH   SOLE   18,440 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   290,669 4,711 SH   SOLE   4,711 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,174,845 10,634 SH   SOLE   10,634 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   3,229,267 80,350 SH   SOLE   80,350 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   259,875 4,634 SH   SOLE   4,634 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   839,322 18,175 SH   SOLE   18,175 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   505,197 8,113 SH   SOLE   8,113 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,937,996 77,133 SH   SOLE   77,133 0 0