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
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788 9,062,953 180,178 SH SOLE 180,178 0 0
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861 747,215 15,135 SH SOLE 15,135 0 0
BONDBLOXX ETF TRUST BLOOMBERG TWO YR 09789C853 562,484 11,491 SH SOLE 11,491 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 374,828 509 SH SOLE 509 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,946,740 47,643 SH SOLE 47,643 0 0
ISHARES INC JP MRG EM CRP BD 464286251 622,457 13,635 SH SOLE 13,635 0 0
ISHARES TR ESG EAFE ETF 46436E759 1,524,830 18,024 SH SOLE 18,024 0 0
ISHARES TR EGSADVNCDMSCI EM 46436E742 776,575 13,402 SH SOLE 13,402 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 1,697,643 33,255 SH SOLE 33,255 0 0
ISHARES TR GLB INFRASTR ETF 464288372 583,000 8,754 SH SOLE 8,754 0 0
ISHARES TR US TREAS BD ETF 46429B267 10,450,234 458,746 SH SOLE 458,746 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 35,063,184 348,298 SH SOLE 348,298 0 0
ISHARES TR BROAD USD HIGH 46435U853 621,381 16,785 SH SOLE 16,785 0 0
ISHARES TR USD INV GRDE ETF 464288620 5,009,604 97,672 SH SOLE 97,672 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 507,914 11,976 SH SOLE 11,976 0 0
ISHARES TR CORE S&P500 ETF 464287200 939,846 1,255 SH SOLE 1,255 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 260,420 2,533 SH SOLE 2,533 0 0
ISHARES TR ESG AWRE USD ETF 46435G193 246,562 10,650 SH SOLE 10,650 0 0
ISHARES TR CORE S&P TTL STK 464287150 254,619 1,550 SH SOLE 1,550 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,551,207 675,111 SH SOLE 675,111 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 748,383 28,241 SH SOLE 28,241 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 822,941 1,102 SH SOLE 1,102 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,329,089 130,685 SH SOLE 130,685 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 202,871 548 SH SOLE 548 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,240,166 37,530 SH SOLE 37,530 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 762,201 16,283 SH SOLE 16,283 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,812,122 207,889 SH SOLE 207,889 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 576,247 8,570 SH SOLE 8,570 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691 496,369 7,909 SH SOLE 7,909 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 2,845,776 21,520 SH SOLE 21,520 0 0