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
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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 COMD K1 003261104 51,570,505 2,308,438 SH SOLE 2,308,438 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 111,635,122 2,632,283 SH SOLE 2,632,283 0 0
ISHARES TR US AER DEF ETF 464288760 242,420 1,000 SH SOLE 1,000 0 0
ISHARES TR CORE US AGGBD ET 464287226 35,831 362 SH SOLE 362 0 0
ISHARES TR CORE MSCI EAFE 46432F842 24,452,897 253,188 SH SOLE 253,188 0 0
ISHARES INC CORE MSCI EMKT 46434G103 15,208,513 183,589 SH SOLE 183,589 0 0
ISHARES TR GLB INFRASTR ETF 464288372 52,059,422 781,673 SH SOLE 781,673 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 57,450,042 2,080,016 SH SOLE 2,080,016 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,371,485 13,340 SH SOLE 13,340 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 6,196,108 130,692 SH SOLE 130,692 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 2,275,831 13,905 SH SOLE 13,905 0 0
ISHARES TR CORE S&P TTL STK 464287150 4,119,235 25,076 SH SOLE 25,076 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,270,253 108,493 SH SOLE 108,493 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 13,687,601 45,557 SH SOLE 45,557 0 0
ISHARES TR HDG MSCI EAFE 46434V803 9,581,006 204,177 SH SOLE 204,177 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 4,410,019 36,534 SH SOLE 36,534 0 0
ISHARES TR U.S. REAL ES ETF 464287739 2,293,059 22,426 SH SOLE 22,426 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,471,722 36,131 SH SOLE 36,131 0 0
ISHARES TR CORE S&P500 ETF 464287200 10,419,307 13,913 SH SOLE 13,913 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,842,085 75,763 SH SOLE 75,763 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,025,633 33,886 SH SOLE 33,886 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 19,627,618 46,031 SH SOLE 46,031 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 8,507 160 SH SOLE 160 0 0
ISHARES TR ESG OPTIMIZED 464288802 1,528,033 9,903 SH SOLE 9,903 0 0
ISHARES TR BROAD USD HIGH 46435U853 193,644,549 5,230,809 SH SOLE 5,230,809 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 220,526,031 8,321,737 SH SOLE 8,321,737 0 0
DBX ETF TR XTRACKRS S&P 500 233051143 636,611 9,245 SH SOLE 9,245 0 0
EA SERIES TRUST JLEN 500 JEW ETF 02072Q846 12,750,713 404,606 SH SOLE 404,606 0 0
SPDR INDEX SHS FDS ST STR MSCI EAFE 78470E106 2,882,495 53,260 SH SOLE 53,260 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 52,742,822 664,100 SH SOLE 664,100 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 24,828,609 33,248 SH SOLE 33,248 0 0
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 17,595,377 750,656 SH SOLE 750,656 0 0
SPDR SERIES TRUST ST STR CORPO ETF 78464A144 48,471,361 1,669,124 SH SOLE 1,669,124 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 121,890 1,387 SH SOLE 1,387 0 0
SPDR INDEX SHS FDS ST STR NAT ETF 78463X541 49,252,746 731,730 SH SOLE 731,730 0 0
VANGUARD MALVERN FDS CORE BD ETF 922020748 177,573,424 2,299,200 SH SOLE 2,299,200 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 148,978,716 605,088 SH SOLE 605,088 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 427,075 2,768 SH SOLE 2,768 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 306,303,394 4,298,995 SH SOLE 4,298,995 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 499,904,571 8,475,832 SH SOLE 8,475,832 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 613,189,442 7,419,110 SH SOLE 7,419,110 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 64,887 759 SH SOLE 759 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 180,109,501 3,017,415 SH SOLE 3,017,415 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 646,902,905 941,895 SH SOLE 941,895 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 488,942,034 8,860,856 SH SOLE 8,860,856 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 494,278,673 6,254,317 SH SOLE 6,254,317 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,293,280 65,564 SH SOLE 65,564 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 116,010,002 1,993,299 SH SOLE 1,993,299 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 34,142 675 SH SOLE 675 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 379,656,115 4,943,439 SH SOLE 4,943,439 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 141,282,493 648,293 SH SOLE 648,293 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 125,671,905 800,713 SH SOLE 800,713 0 0
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 26,442 261 SH SOLE 261 0 0