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:CORE US AGG BD ISHARES CORE U.S. AGGREGATE 464287226 3,413,028 34,482 SH SOLE 13,578 20,904 0
ABRDN:BBG AC STR K1 FREE ABRDN BLOOMBERG ALL COMMODIT 003261104 9,252,670 414,175 SH SOLE 252,955 161,220 0
VANGUARD TOT BD ETF VANGUARD TOTAL BOND MARKET 921937835 128,278,979 1,747,432 SH SOLE 1,096,392 651,040 0
VANGUARD TOT ITL BI ETF VANGUARD TOTAL INTL BOND ETF 92203J407 20,935,563 432,285 SH SOLE 260,780 171,505 0
ISHARES:GOLD TRUST ISHARES GOLD TRUST 464285204 9,255,638 122,575 SH SOLE 75,935 46,640 0
ISHARES:CORE S&P MD-CP ISHARES CORE S&P MIDCAP ETF 464287507 68,965,072 894,373 SH SOLE 819,818 74,555 0
ISHARES:CORE S&P 500 ISHARES CORE S&P 500 ETF 464287200 130,472,043 174,221 SH SOLE 144,671 29,550 0
ISHARES:BRD USD HY CP BD ISHARES BROAD USD HIGH YIELD 46435U853 31,347,796 846,780 SH SOLE 510,975 335,805 0
VANGUARD S-C ID ETF VANGUARD SMALL-CAP ETF 922908751 56,750,117 187,220 SH SOLE 167,745 19,475 0
VANGUARD INT CRP BD ETF VANGUARD INT-TERM CORPORATE 92206C870 3,079,539 37,260 SH SOLE 37,260 0 0
VANGUARD ST CORP BD ETF VANGUARD S/T CORP BOND ETF 92206C409 4,239,169 53,640 SH SOLE 53,640 0 0
VANGUARD DEV MKT ETF VANGUARD FTSE DEVELOPED ETF 921943858 58,832,758 825,723 SH SOLE 662,133 163,590 0
VANGUARD INT TRS ETF VANGUARD INTERMEDIATE-TERM T 92206C706 1,958,431 33,205 SH SOLE 33,205 0 0
VANGUARD ST TRS ETF VANGUARD SHORT-TERM TREASURY 92206C102 2,226,150 38,250 SH SOLE 38,250 0 0
VANGUARD MTG-BK IDX ETF VANGUARD MORTGAGE-BACKED SEC 92206C771 5,873,485 125,475 SH SOLE 125,475 0 0
VANGUARD RE IDX ETF VANGUARD REAL ESTATE ETF 922908553 33,945,071 352,018 SH SOLE 294,423 57,595 0
VANGUARD GXUS RE ETF VANGUARD GLBL EX-US REAL EST 922042676 20,025,749 446,505 SH SOLE 322,765 123,740 0
VANGUARD MD-CP I ETF VANGUARD MID-CAP ETF 922908629 1,783,176 22,132 SH SOLE 0 22,132 0
VANGUARD TSM IDX ETF VANGUARD TOTAL STOCK MKT ETF 922908769 36,615,458 98,950 SH SOLE 98,950 0 0
VANGUARD EM ST I ETF VANGUARD FTSE EMERGING MARKE 922042858 53,285,665 892,707 SH SOLE 622,747 269,960 0
FlexShares Trust FLEXSHARES IBOXX 5-YEAR TARG 33939L605 29,182,786 1,227,715 SH SOLE 1,061,745 165,970 0