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
APPLE INC COM 037833100 2,145,749 7,416 SH SOLE 0 7,416 0 0
CATERPILLAR INC COM 149123101 270,485 254 SH SOLE 0 254 0 0
COCA COLA CO COM 191216100 245,435 3,020 SH SOLE 0 3,020 0 0
ELI LILLY & CO COM 532457108 315,450 263 SH SOLE 0 263 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 17,174,245 224,324 SH SOLE 0 224,324 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 339,840 1,190 SH SOLE 0 1,190 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 477,924 649 SH SOLE 0 649 0 0
ISHARES GOLD TR ISHARES NEW 464285204 41,921,499 555,178 SH SOLE 0 555,178 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 78,359,058 667,170 SH SOLE 0 667,170 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 14,616,279 154,555 SH SOLE 0 154,555 0 0
ISHARES TR CORE MSCI EAFE 46432F842 22,752,167 235,578 SH SOLE 0 235,578 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 20,606,355 215,909 SH SOLE 0 215,909 0 0
ISHARES TR CORE S&P TTL STK 464287150 58,965,570 358,955 SH SOLE 0 358,955 0 0
ISHARES TR CORE S&P500 ETF 464287200 82,984,611 110,810 SH SOLE 0 110,810 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 2,027,871 12,390 SH SOLE 0 12,390 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,896,741 75,900 SH SOLE 0 75,900 0 0
ISHARES TR ESG MSCI KLD ETF 464288570 8,141,718 57,179 SH SOLE 0 57,179 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 3,821,584 39,618 SH SOLE 0 39,618 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 23,226,556 105,850 SH SOLE 0 105,850 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 49,725,122 400,460 SH SOLE 0 400,460 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 424,693 3,088 SH SOLE 0 3,088 0 0
ISHARES TR S&P 500 VAL ETF 464287408 56,735,217 249,869 SH SOLE 0 249,869 0 0
ISHARES TR TIPS BD ETF 464287176 253,878 2,320 SH SOLE 0 2,320 0 0
JOHNSON & JOHNSON COM 478160104 272,510 1,073 SH SOLE 0 1,073 0 0
MICROSOFT CORP COM 594918104 355,675 954 SH SOLE 0 954 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 2,231,804 44,645 SH SOLE 0 44,645 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 21,253,278 114,740 SH SOLE 0 114,740 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 44,556,537 233,868 SH SOLE 0 233,868 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 37,235,100 1,240,756 SH SOLE 0 1,240,756 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 111,970,051 149,939 SH SOLE 0 149,939 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,394,582 19,983 SH SOLE 0 19,983 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 25,065,983 430,687 SH SOLE 0 430,687 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 24,908,981 253,656 SH SOLE 0 253,656 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,108,132 13,458 SH SOLE 0 13,458 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 3,157,891 23,880 SH SOLE 0 23,880 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 532,342 4,454 SH SOLE 0 4,454 0 0