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
Vanguard Total World Stock Et ETF IV ETF 922042742   14,449,051 167,642 SH   SOLE   0 0 167,642
Vanguard FTSE Developed Mats ETF IV ETF 921943858   7,502,893 178,768 SH   SOLE   0 0 178,768
iShares Core S&P 500 ETF IV ETF 464287200   7,489,790 19,494 SH   SOLE   0 0 19,494
SPDR Gold Shares ETF ETF 78463V107   4,224,036 24,900 SH   SOLE   0 0 24,900
Vanguard FTSE Emerging Mark ETF IV ETF 922042858   3,451,081 88,535 SH   SOLE   0 0 88,535
Wisdomtree US High Dividend ETF ETF 97717W208   3,313,714 38,505 SH   SOLE   0 0 38,505
iShares MSCI Frontier Select ETF IV ETF 464286145   3,151,841 123,747 SH   SOLE   0 0 123,747
Vanguard Total Stock Market E ETF IV ETF 922908769   2,766,581 14,470 SH   SOLE   0 0 14,470
Vanguard Utilities ETF IV ETF 92204A876   2,751,195 17,939 SH   SOLE   0 0 17,939
Vanguard FTSE All World Ex US ETF IV ETF 922042775   1,679,156 33,489 SH   SOLE   0 0 33,489
iShares Russell 1000 Growth ETF IV ETF 464287614   1,596,516 7,452 SH   SOLE   0 0 7,452
Vaneck Vectors Morningstar Wide Moat ETF 92189F643   1,557,466 23,994 SH   SOLE   0 0 23,994
SPDR Dow Jones Global Real Est ETF IV ETF 78463X749   1,556,799 38,064 SH   SOLE   0 0 38,064
Vanguard Esg US Stock ETF ETF 921910733   1,472,656 22,360 SH   SOLE   0 0 22,360
Vanguard Total Bond Market ETF ETF 921937835   1,470,787 20,473 SH   SOLE   0 0 20,473
iShares Floating Rate Bond ETF ETF 46429B655   1,423,959 28,292 SH   SOLE   0 0 28,292
First Trust Senior Loan ETF ETF 33738D309   1,421,436 31,878 SH   SOLE   0 0 31,878
Vanguard Esg Internatnl Stock ETF ETF 921910725   1,281,665 26,055 SH   SOLE   0 0 26,055
iShares Russell 1000 Value ETF ETF 464287598   1,233,218 8,132 SH   SOLE   0 0 8,132
Vanguard Real Estate ETF ETF 922908553   1,041,722 12,630 SH   SOLE   0 0 12,630
iShares MSCI China ETF ETF 46429B671   1,036,906 21,830 SH   SOLE   0 0 21,830
iShares Broad USD High Yield Corp Bond ETF ETF 46435U853   878,029 25,428 SH   SOLE   0 0 25,428
Vanguard High Dividend Yield ETF IV ETF 921946406   846,627 7,824 SH   SOLE   0 0 7,824
iShares North Amer Natl Res ETF IV ETF 464287374   785,806 19,326 SH   SOLE   0 0 19,326
Wisdomtree Europe Hedged Eqty ETF ETF 97717X701   676,128 9,664 SH   SOLE   0 0 9,664
Wisdomtree Japan Hedged Equity ETF ETF 97717W851   655,660 10,198 SH   SOLE   0 0 10,198
Invesco Preferred ETF ETF 46138E511   546,838 48,912 SH   SOLE   0 0 48,912
Vanguard Esg US Bond ETF ETF 921910691   341,796 5,633 SH   SOLE   0 0 5,633
iShares iBoxx High Yield Bond ETF IV ETF 464288513   324,119 4,402 SH   SOLE   0 0 4,402
iShares ESG Advanced TTL USD Bond ETF ETF 46436E619   313,082 7,419 SH   SOLE   0 0 7,419
iShares Silver Trust ETF IV ETF 46428Q109   240,745 10,933 SH   SOLE   0 0 10,933
iShares ESG Aware MSCI EM ETF ETF 46434G863   238,515 7,932 SH   SOLE   0 0 7,932
iShares ESG Aware MSCI USA ETF ETF 46435G425   229,842 2,712 SH   SOLE   0 0 2,712