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
Expires: July 31, 2015
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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
AMERICAN CENTY ETF TR US EQT ETF 025072885 766,920 6,898 SH SOLE 0 0 6,898
APPLE INC COM 037833100 1,776,530 7,000 SH SOLE 0 0 7,000
APPLIED MATLS INC COM 038222105 991,191 2,900 SH SOLE 0 0 2,900
BANK AMERICA CORP COM 060505104 926,250 19,000 SH SOLE 0 0 19,000
DANAHER CORP DEL COM 235851102 214,058 1,129 SH SOLE 0 0 1,129
DBX ETF TR XTRACK MSCI EAFE 233051200 2,462,392 49,846 SH SOLE 0 0 49,846
META PLATFORMS INC CL A 30303M102 1,300,451 2,273 SH SOLE 0 0 2,273
GENERAL MTRS CO COM 37045V100 1,353,740 18,171 SH SOLE 0 0 18,171
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 3,008,538 32,526 SH SOLE 0 0 32,526
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,301,024 17,200 SH SOLE 0 0 17,200
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 6,550,102 87,114 SH SOLE 0 0 87,114
IRON MTN INC DEL COM 46284V101 286,298 2,803 SH SOLE 0 0 2,803
ISHARES TR CORE DIV GRWTH 46434V621 581,582 8,287 SH SOLE 0 0 8,287
ISHARES TR CORE MSCI EAFE 46432F842 59,290,193 654,923 SH SOLE 0 0 654,923
ISHARES INC CORE MSCI EMKT 46434G103 472,930,966 6,808,959 SH SOLE 0 0 6,808,959
ISHARES TR CORE S&P500 ETF 464287200 755,764 1,157 SH SOLE 0 0 1,157
ISHARES TR ESG AW MSCI EAFE 46435G516 900,081 9,413 SH SOLE 0 0 9,413
ISHARES INC ESG AWR MSCI EM 46434G863 913,444 20,089 SH SOLE 0 0 20,089
ISHARES TR ESG AWR MSCI USA 46435G425 3,497,002 24,728 SH SOLE 0 0 24,728
ISHARES INC EMNG MKTS EQT 46434G889 309,281 5,118 SH SOLE 0 0 5,118
ISHARES TR MSCI ACWI EX US 464288240 1,095,520 16,000 SH SOLE 0 0 16,000
ISHARES TR EAFE GRWTH ETF 464288885 559,189 5,021 SH SOLE 0 0 5,021
ISHARES TR RUS 1000 GRW ETF 464287614 5,253,248 12,320 SH SOLE 0 0 12,320
ISHARES TR RUS 1000 VAL ETF 464287598 1,666,412 7,799 SH SOLE 0 0 7,799
ISHARES TR RUS 2000 VAL ETF 464287630 629,628 3,321 SH SOLE 0 0 3,321
ISHARES TR RUSSELL 3000 ETF 464287689 6,863,140 18,515 SH SOLE 0 0 18,515
ISHARES TR SELECT US REIT 464287564 256,225 4,140 SH SOLE 0 0 4,140
ISHARES TR ESG ADVANCED UNI 46436E619 3,247,101 74,646 SH SOLE 0 0 74,646
ISHARES TR RUS MID CAP ETF 464287499 473,316 4,868 SH SOLE 0 0 4,868
ISHARES TR HDG MSCI EAFE 46434V803 42,290,425 995,388 SH SOLE 0 0 995,388
ISHARES TR US TREAS BD ETF 46429B267 286,771,239 12,517,295 SH SOLE 0 0 12,517,295
ISHARES TR RUS 1000 ETF 464287622 43,951,012 123,264 SH SOLE 0 0 123,264
NVIDIA CORPORATION COM 67066G104 7,268,818 41,679 SH SOLE 0 0 41,679
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 200,898,885 1,370,536 SH SOLE 0 0 1,370,536
SPDR SERIES TRUST STATE STREET SPD 78468R663 5,170,970 56,427 SH SOLE 0 0 56,427
SPDR SERIES TRUST STATE STREET SPD 78464A284 13,943,329 562,231 SH SOLE 0 0 562,231
SPDR SERIES TRUST STATE STREET SPD 78468R606 1,482,826 63,586 SH SOLE 0 0 63,586
SPDR SERIES TRUST STATE STREET SPD 78464A847 393,695 6,648 SH SOLE 0 0 6,648
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 99,615,179 153,174 SH SOLE 0 0 153,174
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,026,289 1,664 SH SOLE 0 0 1,664
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 43,918,630 129,956 SH SOLE 0 0 129,956
TRINET GROUP INC COM 896288107 728,600 20,000 SH SOLE 0 0 20,000
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 767,092 15,299 SH SOLE 0 0 15,299
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 44,989,193 610,934 SH SOLE 0 0 610,934
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,471,815 34,743 SH SOLE 0 0 34,743
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 27,338,089 426,624 SH SOLE 0 0 426,624
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,738,481 494,699 SH SOLE 0 0 494,699
VANGUARD INDEX FDS GROWTH ETF 922908736 2,620,740 6,000 SH SOLE 0 0 6,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,895,310 9,025 SH SOLE 0 0 9,025
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,295,681 16,014 SH SOLE 0 0 16,014
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 43,987,210 738,660 SH SOLE 0 0 738,660
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 614,551 11,102 SH SOLE 0 0 11,102
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 35,085,292 703,253 SH SOLE 0 0 703,253
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 120,309,857 407,664 SH SOLE 0 0 407,664
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 5,348,219 57,054 SH SOLE 0 0 57,054
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,529,253 12,600 SH SOLE 0 0 12,600
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 1,341,621 8,023 SH SOLE 0 0 8,023
VISA INC COM CL A 92826C839 211,568 700 SH SOLE 0 0 700
ISHARES TR HIGH YLD CORP BD 46436E320 5,826,804 798,083 SH SOLE 0 0 798,083
CORE SCIENTIFIC INC NEW COM 21874A106 5,830,630 389,748 SH SOLE 0 0 389,748
GLOBAL X FDS MSCI GREECE ETF 37954Y319 7,281,883 114,011 SH SOLE 0 0 114,011
ISHARES INC MSCI BRAZIL ETF 464286400 14,572,689 327,849 SH SOLE 0 0 327,849
ISHARES INC MSCI TAIWAN ETF 46434G772 65,802,545 820,663 SH SOLE 0 0 820,663
ISHARES INC MSCI STH KOR ETF 464286772 15,558,417 111,506 SH SOLE 0 0 111,506
ISHARES TR MSCI SAUDI ARBIA 46434V423 3,439,363 196,341 SH SOLE 0 0 196,341
ISHARES TR MSCI INDIA ETF 46429B598 31,729,086 1,504,469 SH SOLE 0 0 1,504,469
NU HLDGS LTD ORD SHS CL A G6683N103 12,278,030 854,421 SH SOLE 0 0 854,421
ISHARES TR MSCI CHINA ETF 46429B671 52,136,236 2,970,936 SH SOLE 0 0 2,970,936
ISHARES TR TRUST ISHARE 0-1 464288679 3,741,140 31,223 SH SOLE 0 0 31,223