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
Estimated average burden
hours per response: 23.8
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 S&P 500 ETF CORE S&P500 ETF 464287200 549,081,655 733,194 SH SOLE 733,194 0 0
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 176,426,682 2,129,728 SH SOLE 2,129,728 0 0
Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 162,344,077 2,789,417 SH SOLE 2,789,417 0 0
iShares Currency Hedged MSCI EAFE ETF HDG MSCI EAFE 46434V803 160,458,490 3,419,467 SH SOLE 3,419,467 0 0
Vanguard Value ETF VALUE ETF 922908744 151,838,098 696,729 SH SOLE 696,729 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 114,356,085 166,503 SH SOLE 166,503 0 0
iShares MSCI Emerging Markets ex China ETF ETF - EQUITY 46434G764 106,872,966 1,044,702 SH SOLE 1,044,702 0 0
iShares 0-5 Year TIPS Bond ETF 0-5 YR TIPS ETF 46429B747 103,688,800 1,014,965 SH SOLE 1,014,965 0 0
Vanguard Total World Stock ETF TT WRLD ST ETF 922042742 95,252,900 606,900 SH SOLE 606,900 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 93,324,133 966,288 SH SOLE 966,288 0 0
Xtrackers MSCI Japan Hedged Equity ETF XTRACK MSCI JAPN 233051507 71,835,354 625,798 SH SOLE 625,798 0 0
iShares Core S&P Total US Stock Market ETF CORE S&P TTL STK 464287150 69,302,475 421,882 SH SOLE 421,882 0 0
iShares 0-3 Month Treasury Bond ETF 0-3 MNTH TREASRY 46436E718 63,631,540 632,080 SH SOLE 632,080 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 62,836,982 574,221 SH SOLE 574,221 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440 48,537,342 513,242 SH SOLE 513,242 0 0
iShares Global REIT ETF GLOBAL REIT ETF 46434V647 45,071,537 1,631,844 SH SOLE 1,631,844 0 0
Vanguard Intermediate-Term Treasury ETF INTER TERM TREAS 92206C706 39,703,055 673,161 SH SOLE 673,161 0 0
iShares MSCI ACWI ETF MSCI ACWI ETF 464288257 37,936,204 241,678 SH SOLE 241,678 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 36,738,376 49,196 SH SOLE 49,196 0 0
Synopsys Inc COM 871607107 36,738,376 49,196 SH SOLE 49,196 0 0
iShares Gold Trust ISHARES 464285105 30,039,766 397,825 SH SOLE 397,825 0 0
iShares J.P. Morgan EM Local Currency Bond ETF JP MORGAN EM ETF 464286517 22,251,327 524,424 SH SOLE 524,424 0 0
WisdomTree Japan Hedged Equity Fund JAPN HEDGE EQT 97717W851 20,498,887 118,136 SH SOLE 118,136 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 20,213,692 189,853 SH SOLE 189,853 0 0
Vanguard Russell 2000 ETF VNG RUS2000IDX 92206C664 20,066,116 165,262 SH SOLE 165,262 0 0
iShares Currency Hedged MSCI Japan ETF HDG MSCI JAPAN 46434V886 19,090,477 295,885 SH SOLE 295,885 0 0
iShares Currency Hedged MSCI ACWI EX US ETF MSCI ACWI EXUS 46435G847 18,612,148 400,263 SH SOLE 400,263 0 0
SPDR S&P 500 Fossil Fuel Reserves Free ETF SPDR S&P 500 ETF 78468R796 17,793,965 291,227 SH SOLE 291,227 0 0
Columbia EM Core ex-China ETF EM CORE EX ETF 19762B202 16,923,891 320,043 SH SOLE 320,043 0 0
VanEck J. P. Morgan EM Local Currency Bond ETF JP MRGAN EM LOC 92189H300 16,496,037 645,385 SH SOLE 645,385 0 0
iShares 1-3 Year Treasury Bond ETF 1 3 YR TREAS BD 464287457 15,725,952 191,523 SH SOLE 191,523 0 0
iShares MSCI Japan ETF MSCI JPN ETF NEW 46434G822 15,159,939 162,538 SH SOLE 162,538 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 13,841,488 143,539 SH SOLE 143,539 0 0
SPDR Bloomberg Barclays 1-3 Month T-Bill ETF BLOOMBERG 1-3 MONTH T-BILL ETF 78468R663 13,422,160 146,466 SH SOLE 146,466 0 0
TCW Transform Systems ETF TRANSFORM CLMTE 29287L205 12,959,157 105,393 SH SOLE 105,393 0 0
iShares Russell 3000 ETF RUSSELL 3000 ETF 464287689 12,781,328 29,975 SH SOLE 29,975 0 0
SPDR Bloomberg 3-12 Month T-Bill ETF BLOOMBERG 3-12 M 78468R523 11,244,155 113,143 SH SOLE 113,143 0 0
Xtrackers MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 10,975,446 200,905 SH SOLE 200,905 0 0
Energy Select Sector SPDR Fund ENERGY 81369Y506 10,901,444 205,262 SH SOLE 205,262 0 0
iShares Broad USD High Yield Corporate Bond ETF BROAD USD HIGH 46435U853 9,638,579 260,361 SH SOLE 260,361 0 0
VanEck Israel ETF ISRAEL ETF 92189F635 9,551,785 147,257 SH SOLE 147,257 0 0
Invesco QQQ Trust Series 1 UNIT SER 1 46090E103 8,369,102 11,365 SH SOLE 11,365 0 0
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409 8,119,700 102,742 SH SOLE 102,742 0 0
iShares MSCI China ETF MSCI CHINA ETF 46429B671 7,625,711 149,450 SH SOLE 149,450 0 0
iShares 3-7 Year Treasury Bond ETF 3 7 YR TREAS BD 464288661 7,119,996 60,622 SH SOLE 60,622 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 7,069,911 19,106 SH SOLE 19,106 0 0
iShares MSCI Pacific ex Japan ETF MSCI PAC JP ETF 464286665 6,526,873 122,547 SH SOLE 122,547 0 0
iShares Short Treasury Bond ETF SHORT TREAS BD 464288679 6,452,811 58,476 SH SOLE 58,476 0 0
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 6,434,404 94,056 SH SOLE 94,056 0 0
iShares Edge MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339 5,999,542 27,341 SH SOLE 27,341 0 0
Alphabet Inc CAP STK CL A 02079K305 5,587,439 15,635 SH SOLE 15,635 0 0
Taiwan Semiconductor Manufacturing Co Ltd SPONSORED ADS 874039100 5,429,493 11,369 SH SOLE 11,369 0 0
Deere & Co COM 244199105 5,149,491 8,118 SH SOLE 8,118 0 0
MasTec Inc COM 576323109 4,846,267 11,648 SH SOLE 11,648 0 0
SPDR Gold Shares GOLD SHS 78463V107 4,534,758 12,310 SH SOLE 12,310 0 0
Linde PLC SHS G5494J103 4,434,515 8,545 SH SOLE 8,545 0 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 4,348,533 41,861 SH SOLE 41,861 0 0
PG&E Corp COM 69331C108 4,177,422 248,360 SH SOLE 248,360 0 0
United Rentals Inc COM 911363109 4,144,112 3,658 SH SOLE 3,658 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 4,087,079 37,977 SH SOLE 37,977 0 0
Meta Platforms Inc CL A 30303M102 4,026,751 7,149 SH SOLE 7,149 0 0
Vanguard FTSE Pacific ETF FTSE PACIFIC ETF 922042866 3,992,378 34,509 SH SOLE 34,509 0 0
iShares Trust iShares ESG Aware MSCI USA ETF ESG AWR MSCI USA 46435G425 3,947,603 24,119 SH SOLE 24,119 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 3,884,311 18,256 SH SOLE 18,256 0 0
Novartis AG FOREIGN H5820Q150 3,811,811 24,335 SH SOLE 24,335 0 0
Bristol-Myers Squibb Co COM 110122108 3,480,536 60,405 SH SOLE 60,405 0 0
Hilton Worldwide Holdings Inc COM 43300A203 3,477,761 10,524 SH SOLE 10,524 0 0
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 3,256,713 10,839 SH SOLE 10,839 0 0
Vulcan Materials Co COM 929160109 3,227,999 10,942 SH SOLE 10,942 0 0
Transdigm Group Inc COM 893641100 3,218,209 2,416 SH SOLE 2,416 0 0
Vanguard Short-Term Inflation-Protected Securities ETF STRM INFPROIDX 922020805 3,140,600 62,524 SH SOLE 62,524 0 0
Visa Inc COM CL A 92826C839 3,135,564 9,139 SH SOLE 9,139 0 0
Broadcom Inc COM 11135F101 3,104,123 8,217 SH SOLE 8,217 0 0
News Corp CL A 65249B109 3,059,031 123,199 SH SOLE 123,199 0 0
Charles Schwab Corp/The COM 808513105 3,044,449 32,995 SH SOLE 32,995 0 0
iShares Edge MSCI Min Vol USA ETF MSCI USA MIN VOL 46429B697 2,851,208 29,558 SH SOLE 29,558 0 0
Capital One Financial Corp COM 14040H105 2,795,238 13,933 SH SOLE 13,933 0 0
Domino's Pizza Inc COM 25754A201 2,791,065 9,428 SH SOLE 9,428 0 0
iShares Residential and Multisector Real Estate ETF RESIDENTIAL MULT 464288562 2,745,036 28,990 SH SOLE 28,990 0 0
Phillips 66 COM 718546104 2,596,608 15,360 SH SOLE 15,360 0 0
iShares Semiconductor ETF ISHARES SEMICDTR 464287523 2,575,951 4,020 SH SOLE 4,020 0 0
S&P Global Inc COM 78409V104 2,432,157 5,972 SH SOLE 5,972 0 0
Alphabet Inc CAP STK CL C 02079K107 2,407,650 6,814 SH SOLE 6,814 0 0
Xtrackers MSCI Europe Hedged Equity ETF XTRACK MSCI EURP 233051853 2,396,470 44,415 SH SOLE 44,415 0 0
Invesco China Technology ETF CHINA TECHNLGY 46138E800 2,386,192 41,841 SH SOLE 41,841 0 0
iShares MSCI World ETF MSCI WORLD ETF 464286392 2,382,356 11,757 SH SOLE 11,757 0 0
Intercontinental Exchange Inc COM 45866F104 2,350,170 19,090 SH SOLE 19,090 0 0
IGM Financial Inc COM 449586106 2,216,975 13,553 SH SOLE 13,553 0 0
iShares Expanded Tech Sector ETF EXPND TEC SC ETF 464287549 2,216,975 13,553 SH SOLE 13,553 0 0
Seagate Technology Holdings PLC ORD SHS G7997R103 2,175,110 2,254 SH SOLE 2,254 0 0
Seagate Technology PLC SHS G7945M107 2,175,110 2,254 SH SOLE 2,254 0 0
Microchip Technology Inc COM 595017104 2,167,915 23,771 SH SOLE 23,771 0 0
salesforce.com Inc COM 79466L302 2,025,770 12,931 SH SOLE 12,931 0 0
iShares Expanded Tech-Software Sector ETF EXPANDED TECH 464287515 2,000,555 22,081 SH SOLE 22,081 0 0
Howmet Aerospace Inc COM 443201108 1,935,792 7,200 SH SOLE 7,200 0 0
Global X Cybersecurity ETF CYBRSCURTY ETF 37954Y384 1,860,273 48,711 SH SOLE 48,711 0 0
SPDR Blackstone Senior Loan ETF COM 78467V608 1,728,829 42,910 SH SOLE 42,910 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 1,697,236 24,421 SH SOLE 24,421 0 0
United Therapeutics Corp COM 91307C102 1,690,510 3,120 SH SOLE 3,120 0 0
iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499 1,690,241 15,321 SH SOLE 15,321 0 0
Incyte Corp COM 45337C102 1,582,846 13,963 SH SOLE 13,963 0 0
Argenx SE SPONSORED ADR 04016X101 1,536,387 1,656 SH SOLE 1,656 0 0
Chicago Atlantic BDC Inc COM 828174102 1,419,933 145,336 SH SOLE 145,336 0 0
iShares U.S. Home Construction ETF US HOME CONS ETF 464288752 1,368,096 13,094 SH SOLE 13,094 0 0
SPDR Bloomberg 1-10 Year TIPS ETF BLOOMBERG 1 10 YEAR TIPS ETF 78468R861 1,365,118 72,114 SH SOLE 72,114 0 0
ACV Auctions Inc COM CL A 00091G104 1,297,400 180,445 SH SOLE 180,445 0 0
BeiGene Ltd SPONSORED ADR 07725L102 1,252,443 4,395 SH SOLE 4,395 0 0
Vanguard Global ex-U.S. Real Estate ETF GLB EX US ETF 922042676 1,227,517 27,369 SH SOLE 27,369 0 0
iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 1,220,013 5,373 SH SOLE 5,373 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 1,219,822 5,155 SH SOLE 5,155 0 0
Coinbase Global Inc COM CL A 19260Q107 1,214,108 8,305 SH SOLE 8,305 0 0
KraneShares CSI China Internet ETF CSI CHI INTERNET 500767306 1,147,397 46,890 SH SOLE 46,890 0 0
Cummins Inc COM 231021106 1,105,317 1,550 SH SOLE 1,550 0 0
Micron Technology Inc COM 595112103 1,096,576 950 SH SOLE 950 0 0
General Electric Co COM NEW 369604301 1,091,292 2,920 SH SOLE 2,920 0 0
Eaton Corp PLC SHS G29183103 1,009,452 2,369 SH SOLE 2,369 0 0
General Motors Co COM 37045V100 992,422 12,875 SH SOLE 12,875 0 0
Snap Inc CL A 83304A106 969,514 218,359 SH SOLE 218,359 0 0
Johnson Controls International plc SHS G51502105 950,299 6,504 SH SOLE 6,504 0 0
iShares MSCI United Kingdom ETF MSCI UK ETF NEW 46435G334 919,290 19,924 SH SOLE 19,924 0 0
Trane Technologies PLC SHS G8994E103 918,469 1,870 SH SOLE 1,870 0 0
Apollo Global Management Inc COM CL A 03768E105 874,429 7,391 SH SOLE 7,391 0 0
iShares MSCI ACWI ex US ETF MSCI ACWI EX US 464288240 848,999 11,155 SH SOLE 11,155 0 0
Xcel Energy Inc COM 98389B100 799,701 9,959 SH SOLE 9,959 0 0
Blackstone Mortgage Trust Inc COM CL A 09257W100 790,107 46,614 SH SOLE 46,614 0 0
NU Holdings Ltd/Cayman Islands ORD SHS CL A G6683N103 788,146 58,993 SH SOLE 58,993 0 0
ServiceNow Inc COM 81762P102 729,212 7,345 SH SOLE 7,345 0 0
Eversource Energy COM 30040W108 717,556 9,929 SH SOLE 9,929 0 0
Vistra Energy Corp COM 92840M102 687,204 4,332 SH SOLE 4,332 0 0
Vertiv Holdings Co COM CL A 92537N108 642,854 1,920 SH SOLE 1,920 0 0
Emerson Electric Co COM 291011104 616,295 4,305 SH SOLE 4,305 0 0
Quanta Services Inc COM 74762E102 610,594 848 SH SOLE 848 0 0
United Airlines Holdings Inc COM 910047109 607,908 4,470 SH SOLE 4,470 0 0
CenterPoint Energy Inc COM 15189T107 579,161 13,151 SH SOLE 13,151 0 0
Darling Ingredients Inc COM 237266101 570,670 10,448 SH SOLE 10,448 0 0
nVent Electric PLC SHS G6700G107 569,225 3,356 SH SOLE 3,356 0 0
SPDR S&P Biotech ETF S&P BIOTECH 78464A870 566,624 3,581 SH SOLE 3,581 0 0
UroGen Pharma Ltd COM M96088105 566,131 15,384 SH SOLE 15,384 0 0
Delta Air Lines Inc COM NEW 247361702 555,988 5,936 SH SOLE 5,936 0 0
Waste Management Inc COM 94106L109 554,389 2,487 SH SOLE 2,487 0 0
Carrier Global Corp COM 14448C104 512,218 6,983 SH SOLE 6,983 0 0
Tesla Inc COM 88160R101 504,457 1,199 SH SOLE 1,199 0 0
Lowe's Cos Inc COM 548661107 490,117 2,223 SH SOLE 2,223 0 0
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877 484,080 6,324 SH SOLE 6,324 0 0
Republic Services Inc COM 760759100 481,444 2,259 SH SOLE 2,259 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 479,080 8,026 SH SOLE 8,026 0 0
Union Pacific Corp COM 907818108 468,468 1,722 SH SOLE 1,722 0 0
Alcoa Corp COM 013872106 462,076 8,862 SH SOLE 8,862 0 0
Netflix Inc COM 64110L106 461,244 6,460 SH SOLE 6,460 0 0
Safran SA Common Stock F4035A557 456,374 1,158 SH SOLE 1,158 0 0
Constellation Energy Corp COM 21037T109 454,289 1,829 SH SOLE 1,829 0 0
Blackstone Inc COM 09260D107 432,653 3,677 SH SOLE 3,677 0 0
EMCOR Group Inc COM 29084Q100 422,603 509 SH SOLE 509 0 0
First Solar Inc COM 336433107 415,826 1,762 SH SOLE 1,762 0 0
GFL Environmental Inc SUB VTG SHS 36168Q104 386,553 10,507 SH SOLE 10,507 0 0
Franklin Covey Co COM 353469109 376,315 15,341 SH SOLE 15,341 0 0
Citigroup Inc COM NEW 172967424 340,383 2,432 SH SOLE 2,432 0 0
Allogene Therapeutics Inc COM 019770106 336,122 161,597 SH SOLE 161,597 0 0
Hims & Hers Health Inc COM CL A 433000106 312,030 9,000 SH SOLE 9,000 0 0
Marvell Technology Group Ltd ORD G5876H105 311,756 1,047 SH SOLE 1,047 0 0
Urban Edge Properties COM 91704F104 300,803 13,147 SH SOLE 13,147 0 0
Ameren Corp COM 023608102 291,098 2,575 SH SOLE 2,575 0 0
Entergy Corp COM 29364G103 289,980 2,525 SH SOLE 2,525 0 0
Duke Energy Corp COM NEW 26441C204 285,304 2,254 SH SOLE 2,254 0 0
Restaurant Brands International Inc COM 76131D103 283,638 3,912 SH SOLE 3,912 0 0
Shake Shack Inc CL A 819047101 280,100 5,000 SH SOLE 5,000 0 0
Toast Inc CL A 888787108 278,200 10,000 SH SOLE 10,000 0 0
Pacer Funds Trust-Pacer Benchmark Data & Infrastructure Real Estate Sctr Etf DATA AND INFRAST 69374H741 275,361 8,667 SH SOLE 8,667 0 0
McDonald's Corp COM 580135101 270,968 1,002 SH SOLE 1,002 0 0
CF Industries Holdings Inc COM 125269100 264,256 2,441 SH SOLE 2,441 0 0
Ford Motor Co COM 345370860 260,336 18,729 SH SOLE 18,729 0 0
Pacer Funds Trust-Pacer Benchmark Industrial Real Estate Sctr Etf INDUSTRIAL RELET 69374H766 255,918 6,365 SH SOLE 6,365 0 0
Vanguard Financials ETF FINANCIALS ETF 92204A405 247,040 1,877 SH SOLE 1,877 0 0
iShares iBoxx High Yield Corporate Bond ETF IBOXX HI YD ETF 464288513 236,979 2,963 SH SOLE 2,963 0 0
KKR & Co Inc COM 48251W104 232,112 2,529 SH SOLE 2,529 0 0
Berkshire Hathaway Inc CL B NEW 084670702 229,679 459 SH SOLE 459 0 0
Dow Inc COM 260557103 227,084 8,300 SH SOLE 8,300 0 0
Lennar Corp CL A 526057104 222,182 2,455 SH SOLE 2,455 0 0
Primoris Services Corp COM 74164F103 221,930 2,239 SH SOLE 2,239 0 0
Uber Technologies Inc COM 90353T100 221,026 3,063 SH SOLE 3,063 0 0
Burberry Group PLC COM 12082W204 170,400 12,000 SH SOLE 12,000 0 0
Teads Holding Co COM 69002R103 160,594 209,407 SH SOLE 209,407 0 0
Ondas Holdings Inc COM NEW 68236H204 140,080 17,000 SH SOLE 17,000 0 0
Opendoor Technologies Inc COM 683712103 98,526 21,326 SH SOLE 21,326 0 0
Cango Inc/KY ADS 137586103 31,698 155,000 SH SOLE 155,000 0 0
Bit Digital Inc SHS G1144A105 18,000 10,000 SH SOLE 10,000 0 0