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
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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
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   1,469,098 32,473 SH   SOLE   0 0 32,473
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   569,960 49,648 SH   SOLE   0 0 49,648
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   1,176,936 15,506 SH   SOLE   0 0 15,506
INVESCO QQQ TR UNIT SER 1 46090E103   731,511 2,276 SH   SOLE   0 0 2,276
ISHARES INC MSCI FRONTIER 464286145   3,170,375 123,891 SH   SOLE   0 0 123,891
ISHARES INC ESG AWR MSCI EM 46434G863   306,992 9,752 SH   SOLE   0 0 9,752
ISHARES SILVER TR ISHARES 46428Q109   243,740 11,019 SH   SOLE   0 0 11,019
ISHARES TR CORE S&P500 ETF 464287200   8,013,594 19,494 SH   SOLE   0 0 19,494
ISHARES TR NORTH AMERN NAT 464287374   645,294 16,474 SH   SOLE   0 0 16,474
ISHARES TR RUS 1000 VAL ETF 464287598   1,238,178 8,132 SH   SOLE   0 0 8,132
ISHARES TR RUS 1000 GRW ETF 464287614   1,820,747 7,452 SH   SOLE   0 0 7,452
ISHARES TR RUS 1000 ETF 464287622   646,410 2,870 SH   SOLE   0 0 2,870
ISHARES TR CORE S&P US VLU 464287663   1,702,842 23,080 SH   SOLE   0 0 23,080
ISHARES TR CORE S&P US GWT 464287671   1,322,229 14,895 SH   SOLE   0 0 14,895
ISHARES TR IBOXX HI YD ETF 464288513   332,582 4,402 SH   SOLE   0 0 4,402
ISHARES TR USD INV GRDE ETF 464288620   637,759 12,589 SH   SOLE   0 0 12,589
ISHARES TR US TREAS BD ETF 46429B267   518,942 22,196 SH   SOLE   0 0 22,196
ISHARES TR FLTG RATE NT ETF 46429B655   1,437,705 28,532 SH   SOLE   0 0 28,532
ISHARES TR MSCI CHINA ETF 46429B671   1,089,079 21,830 SH   SOLE   0 0 21,830
ISHARES TR ESG AWR MSCI USA 46435G425   214,276 2,369 SH   SOLE   0 0 2,369
ISHARES TR BROAD USD HIGH 46435U853   563,539 15,852 SH   SOLE   0 0 15,852
ISHARES TR ESG ADV TTL USD 46436E619   289,814 6,704 SH   SOLE   0 0 6,704
SPDR GOLD TR GOLD SHS 78463V107   4,598,456 25,098 SH   SOLE   0 0 25,098
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,577,932 38,337 SH   SOLE   0 0 38,337
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,223,379 5,411 SH   SOLE   0 0 5,411
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   1,771,494 23,994 SH   SOLE   0 0 23,994
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,048,795 12,630 SH   SOLE   0 0 12,630
VANGUARD INDEX FDS TOTAL STK MKT 922908769   282,424 1,384 SH   SOLE   0 0 1,384
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   15,473,550 168,026 SH   SOLE   0 0 168,026
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,992,470 98,824 SH   SOLE   0 0 98,824
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   363,355 5,041 SH   SOLE   0 0 5,041
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,581,487 189,982 SH   SOLE   0 0 189,982
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   831,312 7,880 SH   SOLE   0 0 7,880
VANGUARD WORLD FD ESG US CORP BD 921910691   398,764 6,360 SH   SOLE   0 0 6,360
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,544,605 29,500 SH   SOLE   0 0 29,500
VANGUARD WORLD FD ESG US STK ETF 921910733   2,002,474 27,925 SH   SOLE   0 0 27,925
VANGUARD WORLD FDS UTILITIES ETF 92204A876   2,667,007 18,079 SH   SOLE   0 0 18,079
WISDOMTREE TR US HIGH DIVIDEND 97717W208   3,200,060 38,897 SH   SOLE   0 0 38,897
WISDOMTREE TR JAPN HEDGE EQT 97717W851   727,612 10,289 SH   SOLE   0 0 10,289
WISDOMTREE TR US QTLY DIV GRT 97717X669   261,516 4,195 SH   SOLE   0 0 4,195
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   794,518 9,664 SH   SOLE   0 0 9,664