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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM TREASURY ETF ETF 78464A672 282,158 9,845 SH SOLE 0 9,845 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 637,129 1,986 SH SOLE 0 1,986 0 0
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516 3,171,333 33,166 SH SOLE 0 33,166 0 0
iShares 1-3 Year Treasury Bond ETF ETF 464287457 1,684,676 20,403 SH SOLE 0 20,403 0 0
Nuveen ESG U.S. Small Cap ETF ETF 67092P607 357,551 7,935 SH SOLE 0 7,935 0 0
iShares ESG Aware MSCI U.S. Stock Market ETF ETF 46435G425 8,714,018 61,618 SH SOLE 0 61,618 0 0
iShares ESG Aware Year Corporate Bond ETF ETF 46435G193 280,799 12,136 SH SOLE 0 12,136 0 0
JP Morgan U.S. Momentum Factor ETF ETF 46641Q779 2,633,258 38,770 SH SOLE 0 38,770 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 4,122,445 40,991 SH SOLE 0 40,990 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 1,865,898 76,976 SH SOLE 0 76,976 0 0
iShares MSCI International Developed Markets ETF ETF 46435G326 11,655,759 139,473 SH SOLE 0 139,473 0 0
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF ETF 46435U663 676,430 14,386 SH SOLE 0 14,386 0 0
Vanguard Intermediate-Term US Treasury ETF ETF 92206C706 51,382,956 862,854 SH SOLE 0 862,854 0 0
Vanguard Short-Term US Treasury ETF ETF 92206C102 43,349,280 740,507 SH SOLE 0 740,507 0 0
Vanguard Long-Term US Treasury ETF ETF 92206C847 21,800,736 393,835 SH SOLE 0 393,835 0 0
Avantis U.S. Small Cap Value ETF ETF 025072877 1,187,884 10,753 SH SOLE 0 10,753 0 0
Avantis International Small Cap Value ETF ETF 025072802 817,754 8,189 SH SOLE 0 8,189 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF ETF 46436E841 1,507,969 67,230 SH SOLE 0 67,230 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 2,017,121 88,026 SH SOLE 0 88,026 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 1,259,517 24,721 SH SOLE 0 24,720 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 1,598,763 15,883 SH SOLE 0 15,882 0 0
VANGUARD ESG U.S. CORPORATE BOND ETF ETF 921910691 2,444,904 38,913 SH SOLE 0 38,913 0 0
iShares ESG Advanced MSCI EAFE ETF ETF 46436E759 590,321 7,824 SH SOLE 0 7,824 0 0
Dimensional International Core Equity ETF ETF 25434V203 89,813,826 2,305,283 SH SOLE 0 2,305,283 0 0
Dimensional Emerging Market Equity ETF ETF 25434V302 36,432,209 1,075,966 SH SOLE 0 1,075,966 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF ETF 46436E528 666,383 29,036 SH SOLE 0 29,036 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 221,929 5,711 SH SOLE 0 5,711 0 0
ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF ETF 46436E478 581,330 26,269 SH SOLE 0 26,268 0 0
iShares U.S. Treasury Bond ETF ETF 46429B267 3,282,247 143,267 SH SOLE 0 143,267 0 0
iShares S&P Total U.S. Stock Market ETF ETF 464287150 36,023,208 252,919 SH SOLE 0 252,918 0 0
Dimensional Sustainable Emerging Markets ETF ETF 25434V682 2,037,050 48,078 SH SOLE 0 48,078 0 0
ISHARES IBONDS 2028 TERM HIGH YIELD AND INCOME ETF ETF 46436E387 500,592 21,329 SH SOLE 0 21,329 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 205,857 2,376 SH SOLE 0 2,376 0 0
iShares MSCI EAFE ETF ETF 46432F842 1,357,045 14,990 SH SOLE 0 14,990 0 0
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646 28,303,597 538,501 SH SOLE 0 538,500 0 0
iShares MSCI Emerging Markets ETF ETF 46434G103 1,650,773 23,667 SH SOLE 0 23,667 0 0
iShares 10 Year Investment Grade Corporate Bond ETF ETF 464289511 22,328,990 449,909 SH SOLE 0 449,909 0 0
iShares Russell Mid Cap ETF ETF 464287499 10,166,758 104,564 SH SOLE 0 104,564 0 0
STATE STREET SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 204,844 7,020 SH SOLE 0 7,020 0 0
BlackRock Short Duration Bond ETF ETF 46431W507 802,125 15,779 SH SOLE 0 15,779 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,618,465 7,665 SH SOLE 0 7,665 0 0
State Street S&P 600 Small Cap ETF ETF 78468R853 13,387,153 277,052 SH SOLE 0 277,052 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 2,063,692 18,245 SH SOLE 0 18,245 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 2,050,543 84,593 SH SOLE 0 84,593 0 0
Dimensional Emerging Market ETF ETF 25434V732 6,973,503 201,838 SH SOLE 0 201,838 0 0
iShares 0-5 Year High-Yield Corporate Bond ETF ETF 46434V407 1,138,901 26,918 SH SOLE 0 26,918 0 0
iShares Mortgage-Backed Securities ETF ETF 464288588 64,051,941 674,586 SH SOLE 0 674,586 0 0
iShares 5-10 Year Investment Grade Corporate Bond ETF ETF 464288638 28,713,537 539,525 SH SOLE 0 539,525 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 323,091 5,042 SH SOLE 0 5,042 0 0
iShares 3-7 Year Treasury Bond ETF ETF 464288661 2,525,943 21,298 SH SOLE 0 21,298 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 3,106,972 14,447 SH SOLE 0 14,447 0 0
iShares 20 Year Treasury Bond ETF ETF 464287432 791,826 9,134 SH SOLE 0 9,134 0 0
State Street S&P 500 ETF ETF 78464A854 189,404,506 2,474,582 SH SOLE 0 2,474,582 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 1,365,489 29,562 SH SOLE 0 29,562 0 0
iShares JP Morgan Emerging Markets Bond ETF ETF 464288281 1,520,445 16,187 SH SOLE 0 16,187 0 0
ISHARES MSCI ACWI ETF ETF 464288257 2,926,521 21,150 SH SOLE 0 21,149 0 0
iShares MSCI International Quality Factor ETF ETF 46434V456 1,690,631 36,570 SH SOLE 0 36,570 0 0
iShares MSCI International Momentum Factor ETF ETF 46434V449 1,707,639 35,561 SH SOLE 0 35,561 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 268,479 1,941 SH SOLE 0 1,941 0 0