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
APPLE INC COM 037833100 2,272,195 6,823 SH SOLE 0 6,823 0 0
COCA COLA CO COM 191216100 259,962 3,020 SH SOLE 0 3,020 0 0
ELI LILLY & CO COM 532457108 304,312 263 SH SOLE 0 263 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 17,117,736 226,066 SH SOLE 0 226,066 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 346,569 1,155 SH SOLE 0 1,155 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 18,385,848 88,385 SH SOLE 0 88,385 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 463,096 626 SH SOLE 0 626 0 0
ISHARES GOLD TR ISHARES NEW 464285204 43,955,080 562,805 SH SOLE 0 562,805 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 76,832,950 677,300 SH SOLE 0 677,300 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 13,869,259 155,293 SH SOLE 0 155,293 0 0
ISHARES TR CORE MSCI EAFE 46432F842 22,895,743 236,331 SH SOLE 0 236,331 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 20,599,294 216,858 SH SOLE 0 216,858 0 0
ISHARES TR CORE S&P TTL STK 464287150 59,829,265 359,810 SH SOLE 0 359,810 0 0
ISHARES TR CORE S&P500 ETF 464287200 85,466,729 111,597 SH SOLE 0 111,597 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,844,808 11,060 SH SOLE 0 11,060 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,887,584 77,265 SH SOLE 0 77,265 0 0
ISHARES TR ESG MSCI KLD ETF 464288570 8,295,569 56,749 SH SOLE 0 56,749 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 3,657,945 37,540 SH SOLE 0 37,540 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 23,245,341 104,596 SH SOLE 0 104,596 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 31,497,076 251,454 SH SOLE 0 251,454 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 276,340 1,943 SH SOLE 0 1,943 0 0
ISHARES TR S&P 500 VAL ETF 464287408 57,024,451 249,800 SH SOLE 0 249,800 0 0
ISHARES TR TIPS BD ETF 464287176 241,373 2,320 SH SOLE 0 2,320 0 0
JOHNSON & JOHNSON COM 478160104 284,066 1,073 SH SOLE 0 1,073 0 0
MICROSOFT CORP COM 594918104 356,978 696 SH SOLE 0 696 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 2,134,694 40,545 SH SOLE 0 40,545 0 0
PHILLIPS 66 COM 718546104 259,650 1,017 SH SOLE 0 1,017 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 19,180,219 114,865 SH SOLE 0 114,865 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 45,519,093 232,537 SH SOLE 0 232,537 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 37,379,811 1,263,258 SH SOLE 0 1,263,258 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 113,631,396 148,999 SH SOLE 0 148,999 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 7,437,720 19,874 SH SOLE 0 19,874 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 24,988,523 434,130 SH SOLE 0 434,130 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 25,717,772 254,304 SH SOLE 0 254,304 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,092,256 13,473 SH SOLE 0 13,473 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 3,023,674 22,310 SH SOLE 0 22,310 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 559,734 4,454 SH SOLE 0 4,454 0 0