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
ABRDN ETFS BBRG ALL COMMDY 003261203 1,109,245 32,482 SH SOLE 0 0 32,482
ABRDN ETFS BBRG ALL COMD K1 003261104 6,469,795 289,606 SH SOLE 1,786 0 287,820
APPLE INC COM 037833100 311,351 1,076 SH SOLE 0 0 1,076
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 314,668 7,199 SH SOLE 199 0 7,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
BROADCOM INC COM 11135F101 373,973 990 SH SOLE 0 0 990
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 306,438 3,740 SH SOLE 0 0 3,740
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 361,781 8,997 SH SOLE 0 0 8,997
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 232,982 5,648 SH SOLE 0 0 5,648
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 499,824 11,841 SH SOLE 366 0 11,475
GENELUX CORPORATION COM 36870H103 30,100 10,000 SH SOLE 0 0 10,000
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 5,346,201 77,391 SH SOLE 1,227 0 76,164
INVESCO QQQ TR UNIT SER 1 46090E103 276,886 376 SH SOLE 0 0 376
ISHARES INC MSCI STH KOR ETF 464286772 218,642 1,083 SH SOLE 0 0 1,083
ISHARES INC CORE MSCI EMKT 46434G103 3,183,598 38,431 SH SOLE 0 0 38,431
ISHARES TR BROAD USD HIGH 46435U853 1,074,201 29,017 SH SOLE 342 0 28,675
ISHARES TR S&P 500 GRWT ETF 464287309 2,427,452 17,650 SH SOLE 0 0 17,650
ISHARES TR RUS 2000 GRW ETF 464287648 1,530,944 3,886 SH SOLE 41 0 3,845
ISHARES TR RUSSELL 2000 ETF 464287655 554,631 1,846 SH SOLE 0 0 1,846
ISHARES TR TIPS BD ETF 464287176 2,602,292 23,780 SH SOLE 361 0 23,419
ISHARES TR RUS 1000 GRW ETF 464287614 4,585,423 36,929 SH SOLE 648 0 36,281
ISHARES TR CORE MSCI INTL 46435G326 5,339,408 59,987 SH SOLE 1,375 0 58,612
ISHARES TR CORE MSCI EAFE 46432F842 664,488 6,880 SH SOLE 65 0 6,815
ISHARES TR RUS MDCP VAL ETF 464287473 1,429,257 8,683 SH SOLE 70 0 8,613
ISHARES TR CORE INTL AGGR 46435G672 4,051,024 80,060 SH SOLE 0 0 80,060
ISHARES TR RUS MD CP GR ETF 464287481 1,845,816 12,607 SH SOLE 108 0 12,499
ISHARES TR ESG OPTIMIZED 464288802 376,783 2,442 SH SOLE 2,132 0 310
ISHARES TR 1 3 YR TREAS BD 464287457 1,631,831 19,874 SH SOLE 0 0 19,874
ISHARES TR CORE S&P500 ETF 464287200 385,040 514 SH SOLE 0 0 514
ISHARES TR SP SMCP600VL ETF 464287879 926,355 6,778 SH SOLE 458 0 6,320
ISHARES TR ESG MSCI KLD ETF 464288570 393,888 2,766 SH SOLE 2,430 0 336
ISHARES TR RUS 1000 VAL ETF 464287598 3,067,739 12,654 SH SOLE 188 0 12,466
ISHARES TR CORE S&P MCP ETF 464287507 1,256,090 16,290 SH SOLE 1,585 0 14,705
ISHARES TR IBOXX HI YD ETF 464288513 2,438,787 30,496 SH SOLE 313 0 30,183
ISHARES TR RUS MID CAP ETF 464287499 331,551 3,005 SH SOLE 0 0 3,005
ISHARES TR RUS 2000 VAL ETF 464287630 1,356,220 6,131 SH SOLE 54 0 6,077
ISHARES TR US AER DEF ETF 464288760 200,133 826 SH SOLE 0 0 826
ISHARES TR U.S. REAL ES ETF 464287739 2,376,443 23,241 SH SOLE 289 0 22,952
ISHARES TR S&P SML 600 GWT 464287887 781,237 4,374 SH SOLE 359 0 4,015
ISHARES TR S&P 500 VAL ETF 464287408 1,612,668 7,102 SH SOLE 0 0 7,102
JOHNSON & JOHNSON COM 478160104 204,446 805 SH SOLE 0 0 805
JPMORGAN CHASE & CO COM 46625H100 292,306 893 SH SOLE 0 0 893
MORGAN STANLEY COM NEW 617446448 253,356 1,212 SH SOLE 0 0 1,212
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,370,112 57,859 SH SOLE 0 0 57,859
SCHWAB STRATEGIC TR US TIPS ETF 808524870 915,748 34,557 SH SOLE 0 0 34,557
SPDR SERIES TRUST ST STR DOW REIT 78464A607 296,787 2,627 SH SOLE 0 0 2,627
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 2,446,677 104,380 SH SOLE 0 0 104,380
SPDR SERIES TRUST ST STR P500GRW 78464A409 241,193 2,027 SH SOLE 0 0 2,027
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 376,057 5,123 SH SOLE 0 0 5,123
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,139,079 106,114 SH SOLE 995 0 105,119
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,294,444 17,673 SH SOLE 176 0 17,497
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,046,247 13,799 SH SOLE 99 0 13,700
VANGUARD INDEX FDS VALUE ETF 922908744 2,632,004 12,077 SH SOLE 0 0 12,077
VANGUARD INDEX FDS GROWTH ETF 922908736 2,278,845 26,455 SH SOLE 0 0 26,455
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,431,374 22,426 SH SOLE 205 0 22,221
VANGUARD INDEX FDS TOTAL STK MKT 922908769 615,546 1,663 SH SOLE 0 0 1,663
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,050,096 13,223 SH SOLE 119 0 13,104
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 926,323 11,061 SH SOLE 0 0 11,061
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,372,949 106,767 SH SOLE 898 0 105,869
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 500,044 9,955 SH SOLE 0 0 9,955
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 432,895 8,559 SH SOLE 0 0 8,559
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 775,666 13,328 SH SOLE 1,109 0 12,219
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 550,510 6,966 SH SOLE 523 0 6,443
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 247,575 2,039 SH SOLE 0 0 2,039
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 554,483 9,401 SH SOLE 938 0 8,463
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,509,979 259,789 SH SOLE 2,426 0 257,363
VANGUARD WORLD FD MEGA GRWTH IND 921910816 13,375,541 152,150 SH SOLE 335 0 151,815
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 13,560,206 82,962 SH SOLE 143 0 82,819