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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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
ISHARES TR CORE US AGGBD ET 464287226 341,283,415 3,440,357 SH SOLE 57,031 0 3,383,326
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,713,579 59,893 SH SOLE 0 0 59,893
VANGUARD WORLD FD ESG US STK ETF 921910733 3,351,256 30,566 SH SOLE 0 0 30,566
SPDR GOLD TR GOLD SHS 78463V107 669,407 2,196 SH SOLE 0 0 2,196
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 16,813,858 309,990 SH SOLE 150,340 0 159,650
VANGUARD WORLD FDS ENERGY ETF 92204A306 21,929,992 184,100 SH SOLE 0 0 184,100
ISHARES TR BARCLAYS 7 10 YR 464287440 29,967,910 312,963 SH SOLE 0 0 312,963
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 809,377 15,615 SH SOLE 0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 79,165,991 127,502 SH SOLE 0 0 127,502
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,670,906 14,034 SH SOLE 0 0 14,034
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,274,826 22,105 SH SOLE 0 0 22,105
ISHARES TR TIPS BD ETF 464287176 1,963,334 17,842 SH SOLE 0 0 17,842
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 183,804,135 3,220,210 SH SOLE 282,087 0 2,938,123
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 136,514,541 2,644,422 SH SOLE 0 0 2,644,422
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,602,140 62,903 SH SOLE 22,573 0 40,330
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 44,244,185 519,237 SH SOLE 0 0 519,237
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,343,061,493 2,364,420 SH SOLE 158,208 0 2,206,212
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 714,056,935 5,554,415 SH SOLE 462,211 0 5,092,203
VANGUARD INDEX FDS TOTAL STK MKT 922908769 194,749,854 640,269 SH SOLE 0 0 640,269
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 241,830,017 4,810,623 SH SOLE 1,212,675 0 3,597,948
VANGUARD INDEX FDS VALUE ETF 922908744 14,335,381 81,110 SH SOLE 0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736 46,608,496 106,315 SH SOLE 28,001 0 78,314
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 113,837,520 2,298,708 SH SOLE 10,352 0 2,288,356
ISHARES GOLD TR ISHARES NEW 464285204 53,124,552 854,826 SH SOLE 0 0 854,826
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 224,575,293 3,757,356 SH SOLE 35,277 0 3,722,079
ISHARES TR US TREAS BD ETF 46429B267 14,819,112 644,870 SH SOLE 0 0 644,870
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,325,197 20,232 SH SOLE 0 0 20,232
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 28,834,760 391,617 SH SOLE 0 0 391,617
ISHARES INC CORE MSCI EMKT 46434G103 37,590,005 626,187 SH SOLE 38,158 0 588,029
ISHARES TR CORE MSCI EAFE 46432F842 46,663,649 558,980 SH SOLE 0 0 558,980
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 8,903,786 87,956 SH SOLE 0 0 87,956
ISHARES INC MSCI CDA ETF 464286509 713,790 15,450 SH SOLE 0 0 15,450
ISHARES TR MSCI ACWI ETF 464288257 29,988,590 232,948 SH SOLE 0 0 232,948
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 22,543,248 206,440 SH SOLE 0 0 206,440
ISHARES TR RUSSELL 3000 ETF 464287689 5,123,547 14,597 SH SOLE 0 0 14,597
ISHARES TR CORE 1 5 YR USD 46432F859 2,288,155 47,033 SH SOLE 0 0 47,033
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 2,841,662 55,103 SH SOLE 0 0 55,103
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 741,271 19,100 SH SOLE 0 0 19,100
ISHARES TR RUS 1000 ETF 464287622 48,816,583 143,760 SH SOLE 0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339 58,390,514 319,388 SH SOLE 0 0 319,388
ISHARES TR MSCI EAFE ETF 464287465 313,646,269 3,508,740 SH SOLE 127,639 0 3,508,740
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 50,335,861 867,511 SH SOLE 0 0 867,511
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,006,943 30,631 SH SOLE 0 0 30,631
VANGUARD STAR FDS VG TL INTL STK F 921909768 18,773,411 271,724 SH SOLE 0 0 271,724
ISHARES TR 10+ YR INVST GRD 464289511 1,004,200 20,000 SH SOLE 0 0 20,000
EA SERIES TRUST JLENS 500 JEWISH 02072Q846 16,588,938 636,677 SH SOLE 0 0 636,677