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
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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
ISHARES TR CORE US AGGBD ET 464287226 90,463,230 914,509 SH SOLE 46,492 0 868,017
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,935,843 88,603 SH SOLE 0 0 88,603
VANGUARD WORLD FD ESG US STK ETF 921910733 12,501,554 127,632 SH SOLE 0 0 127,632
SPDR GOLD TR GOLD SHS 78463V107 632,755 2,196 SH SOLE 0 0 2,196
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 16,506,968 309,990 SH SOLE 150,340 0 159,650
VANGUARD WORLD FDS ENERGY ETF 92204A306 21,714,491 167,408 SH SOLE 0 0 167,408
ISHARES TR BARCLAYS 7 10 YR 464287440 18,378,562 192,708 SH SOLE 12,881 0 179,827
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 658,700 15,615 SH SOLE 0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 83,075,229 147,847 SH SOLE 0 0 147,847
SPDR S&P 500 ETF TR TR UNIT 78462F103 11,826,623 21,142 SH SOLE 0 0 21,142
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,780,343 26,871 SH SOLE 0 0 26,871
ISHARES TR TIPS BD ETF 464287176 12,317,992 110,883 SH SOLE 0 0 110,883
ISHARES TR 20 YR TR BD ETF 464287432 250,241 2,749 SH SOLE 0 0 2,749
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 163,578,260 3,218,144 SH SOLE 262,070 0 2,956,074
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 119,207,071 2,069,208 SH SOLE 0 0 2,069,208
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,695,237 62,903 SH SOLE 22,573 0 40,330
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 39,279,051 475,879 SH SOLE 0 0 475,879
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,225,313,557 2,384,296 SH SOLE 156,747 0 2,227,549
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 555,385,540 4,789,871 SH SOLE 359,706 0 4,430,165
VANGUARD INDEX FDS TOTAL STK MKT 922908769 154,332,005 561,534 SH SOLE 0 0 561,534
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 211,934,134 4,247,177 SH SOLE 1,143,038 0 3,104,139
VANGUARD INDEX FDS VALUE ETF 922908744 14,010,941 81,110 SH SOLE 0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736 39,423,729 106,315 SH SOLE 28,001 0 78,314
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 103,302,106 2,282,415 SH SOLE 10,352 0 2,272,063
ISHARES GOLD TR ISHARES NEW 464285204 33,054,628 560,628 SH SOLE 8,156 0 560,628
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 179,765,072 3,026,348 SH SOLE 18,295 0 3,008,053
ISHARES TR US TREAS BD ETF 46429B267 20,871,414 908,045 SH SOLE 0 0 908,045
VANGUARD WORLD FD ESG INTL STK ETF 921910725 4,493,273 76,183 SH SOLE 0 0 76,183
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 13,421,739 182,733 SH SOLE 0 0 182,733
ISHARES INC CORE MSCI EMKT 46434G103 42,346,696 784,634 SH SOLE 56,874 0 727,760
ISHARES TR CORE MSCI EAFE 46432F842 45,252,997 598,189 SH SOLE 0 0 598,189
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 8,488,634 87,956 SH SOLE 0 0 87,956
ISHARES INC MSCI CDA ETF 464286509 823,150 20,200 SH SOLE 0 0 20,200
ISHARES TR MSCI ACWI ETF 464288257 27,786,133 238,733 SH SOLE 0 0 238,733
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 19,155,568 206,440 SH SOLE 0 0 206,440
ISHARES TR RUSSELL 3000 ETF 464287689 4,466,971 14,063 SH SOLE 0 0 14,063
ISHARES TR CORE 1 5 YR USD 46432F859 2,274,046 47,033 SH SOLE 0 0 47,033
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 2,666,985 55,103 SH SOLE 0 0 55,103
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 437,772 19,100 SH SOLE 0 0 19,100
ISHARES TR RUS 1000 ETF 464287622 44,096,942 143,760 SH SOLE 0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339 58,745,146 343,760 SH SOLE 0 0 343,760
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 27,849,931 474,526 SH SOLE 0 0 474,526
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,895,753 30,631 SH SOLE 0 0 30,631
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,936,115 59,172 SH SOLE 0 0 59,172
VANGUARD STAR FDS VG TL INTL STK F 921909768 32,747,938 527,342 SH SOLE 0 0 527,342
ISHARES TR 10+ YR INVST GRD 464289511 1,004,600 20,000 SH SOLE 0 0 20,000