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
Blackrock iShares MSCI Emerging Markets ex China ETF 46434G764 30,643,862 299,549 SH SOLE 0 0 299,549
The Vanguard Group Vanguard FTSE Developed Markets ETF 921943858 29,847,421 418,911 SH SOLE 0 0 418,911
The Vanguard Group Vanguard ESG International Stock ETF 921910725 26,204,998 318,254 SH SOLE 0 0 318,254
The Vanguard Group Vanguard Extended Market ETF 922908652 23,056,089 93,644 SH SOLE 0 0 93,644
The Vanguard Group Vanguard Total International Stock ETF 921909768 21,512,584 251,639 SH SOLE 0 0 251,639
The Vanguard Group Vanguard ESG U.S. Stock 921910733 17,934,518 135,621 SH SOLE 0 0 135,621
The Vanguard Group Vanguard FTSE Emerging Markets ETF 922042858 13,925,107 233,290 SH SOLE 0 0 233,290
The Vanguard Group Vanguard Russell 1000 Growth ETF Fund 92206C680 10,389,419 81,288 SH SOLE 0 0 81,288
Blackrock iShares 0-5 Year TIPS Bond ETF 46429B747 9,631,977 94,283 SH SOLE 0 0 94,283
The Vanguard Group Vanguard Russell 1000 Value ETF Fund 92206C714 8,984,790 84,515 SH SOLE 0 0 84,515
SSIM SPDR S&P 500 ETF 78462F103 8,893,146 11,909 SH SOLE 0 0 11,909
Blackrock iShares Edge MSCI Min Vol USA ETF Fund 46429B697 7,195,723 74,598 SH SOLE 0 0 74,598
The Vanguard Group Vanguard Morningstar Growth ETF 922908736 6,686,359 77,622 SH SOLE 0 0 77,622
Blackrock iShares Global REIT ETF 46434V647 6,499,815 235,330 SH SOLE 0 0 235,330
The Vanguard Group Vanguard Morningstar Large-Cap ETF 922908637 6,384,345 18,564 SH SOLE 0 0 18,564
The Vanguard Group Vanguard S&P Small-Cap 600 Value ETF 921932778 6,383,570 54,407 SH SOLE 0 0 54,407
Blackrock iShares Russell 2000 Growth ETF 464287648 5,301,914 13,458 SH SOLE 0 0 13,458
The Vanguard Group Vanguard Intermediate-Term Treasury Index ETF 92206C706 5,071,789 85,992 SH SOLE 0 0 85,992
The Vanguard Group Vanguard S&P 500 ETF 922908363 4,716,980 6,868 SH SOLE 0 0 6,868
The Vanguard Group Vanguard Morningstar Total Stock Market ETF 922908769 3,798,461 10,265 SH SOLE 0 0 10,265
The Vanguard Group Vanguard Total World Stock ETF 922042742 3,103,426 19,773 SH SOLE 0 0 19,773
The Vanguard Group Vanguard Total Bond Market ETF 921937835 2,748,250 37,437 SH SOLE 0 0 37,437
The Vanguard Group Vanguard Real Estate ETF 922908553 2,379,482 24,676 SH SOLE 0 0 24,676
SSIM SPDR S&P Global Infrastructure ETF 78463X855 2,273,695 30,032 SH SOLE 0 0 30,032
American Century Investments Avantis Responsible International Equity ETF 025072299 2,000,066 25,037 SH SOLE 0 0 25,037
Long Pond Capital Long Pond Real Estate Select ETF 30151E517 1,648,998 54,784 SH SOLE 0 0 54,784
Blackrock iShares Global Clean Energy ETF 464288224 1,598,218 77,999 SH SOLE 0 0 77,999
Invesco Capital Management Invesco S&P 500 Equal Weight ETF 46137V357 1,415,346 6,652 SH SOLE 0 0 6,652
Invesco Capital Management Invesco QQQ Trust 46090E103 1,207,696 1,640 SH SOLE 0 0 1,640
Blackrock iShares Russell 2000 ETF 464287655 901,650 3,001 SH SOLE 0 0 3,001
Blackrock iShares North American Natural Res ETF 464287374 866,296 15,420 SH SOLE 0 0 15,420
Blackrock iShares Russell 3000 ETF 464287689 685,225 1,607 SH SOLE 0 0 1,607
Blackrock iShares Edge MSCI USA Quality Factor ETF 46432F339 680,233 3,100 SH SOLE 0 0 3,100
Wisdom Tree Inc. WisdomTree US SmallCap Dividend 97717W604 603,732 14,841 SH SOLE 0 0 14,841
Blackrock iShares Core S&P Mid-Cap ETF 464287507 538,342 6,981 SH SOLE 0 0 6,981
Blackrock iShares Russell Mid-Cap ETF 464287499 518,504 4,700 SH SOLE 0 0 4,700
The Vanguard Group Vanguard FTSE Europe ETF 922042874 354,160 4,000 SH SOLE 0 0 4,000
Dimensional Fund Advisors DFA Intl Sust Core 1 ETF 25434V690 307,311 6,814 SH SOLE 0 0 6,814
The Vanguard Group Vanguard Long-Term Corporate Bd ETF 92206C813 285,950 3,800 SH SOLE 0 0 3,800
Blackrock iShares Gold Trust 464285204 226,530 3,000 SH SOLE 0 0 3,000