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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
BlackRock Ultra Short-Term Bond ETF BLACKROCK ULTRA 46434V878 6,119 121,440 SH   SOLE NONE 0 0 121,440
Invesco QQQ Trust Series 1 UNIT SER 1 46090E103 5,442 13,680 SH   SOLE NONE 0 0 13,680
INVESCO SENIOR LOAN ETF SR LN ETF 46138G508 1,615 73,082 SH   SOLE NONE 0 0 73,082
iShares Treasury Bond UCITS ETF USD Dist US TREAS BD ETF 46429B267 871 32,669 SH   SOLE NONE 0 0 32,669
iShares 20 Plus Year Treasury Bond ETF 20 YR TR BD ETF 464287432 3,317 22,383 SH   SOLE NONE 0 0 22,383
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 8,784 117,688 SH   SOLE NONE 0 0 117,688
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 110 1,848 SH   SOLE NONE 0 0 1,848
iShares Core SP 500 ETF CORE S&P500 ETF 464287200 10,795 22,632 SH   SOLE NONE 0 0 22,632
iShares Core SP Small-Cap ETF CORE S&P SCP ETF 464287804 172 1,502 SH   SOLE NONE 0 0 1,502
iShares iBoxx Inv Grade Corporate Bond ETF IBOXX INV CP ETF 464287242 671 5,065 SH   SOLE NONE 0 0 5,065
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 86 1,103 SH   SOLE NONE 0 0 1,103
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885 3,331 30,204 SH   SOLE NONE 0 0 30,204
Palantir Technologies Inc CL A 69608A108 1,822 100,085 SH   SOLE NONE 0 0 100,085
Roblox Corp CL A 771049103 73 713 SH   SOLE NONE 0 0 713
Schwab US Small-Cap ETF US SML CAP ETF 808524607 7,808 76,249 SH   SOLE NONE 0 0 76,249
SPDR Gold Trust GOLD SHS 78463V107 515 3,018 SH   SOLE NONE 0 0 3,018
Uber Technologies Inc COM 90353T100 876 20,900 SH   SOLE NONE 0 0 20,900
Vanguard Emerging Markets Stock Index Fund ETF FTSE EMR MKT ETF 922042858 261 5,280 SH   SOLE NONE 0 0 5,280
Vanguard European Stock Index Fund ETF FTSE EUROPE ETF 922042874 7,941 116,376 SH   SOLE NONE 0 0 116,376
Vanguard Financials Index Fund ETF FINANCIALS ETF 92204A405 1,611 16,685 SH   SOLE NONE 0 0 16,685
Vanguard FTSE All-World ex-US Small-Cap Index ETF FTSE SMCAP ETF 922042718 261 1,952 SH   SOLE NONE 0 0 1,952
Vanguard Mid-Cap Index Fund ETF MID CAP ETF 922908629 15,361 60,294 SH   SOLE NONE 0 0 60,294
Vanguard Mortgage-Backed Secs Idx Fund ETF MTG-BKD SECS ETF 92206C771 384 7,274 SH   SOLE NONE 0 0 7,274
Vanguard Sht-Term Inflation-Protected Sec Idx ETF STRM INFPROIDX 922020805 6,373 123,997 SH   SOLE NONE 0 0 123,997
Vanguard Total Bond Market Index Fund ETF TOTAL BND MRKT 921937835 12,300 145,138 SH   SOLE NONE 0 0 145,138
Vanguard Total Stock Market Index Fund ETF TOTAL STK MKT 922908769 30,382 125,839 SH   SOLE NONE 0 0 125,839