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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Apple Inc Stock 037833100   745,261 3,842 SH   SOLE   3,842 0 0
iShares Core US Aggregate Bond ETF ETF 464287226   5,973,804 60,988 SH   SOLE   60,988 0 0
Amazon.com Inc Stock 023135106   367,615 2,820 SH   SOLE   2,820 0 0
Vanguard Total Bond Market ETF ETF 921937835   12,431,229 171,017 SH   SOLE   171,017 0 0
Berkshire Hathaway Class A Stock 084670108   517,810 100 SH   SOLE   100 0 0
Capital Group Dividend Value ETF ETF 14020W106   852,301 31,520 SH   SOLE   31,520 0 0
iMGP DBi Hedge Strategy ETF ETF 56170L794   2,068,108 77,515 SH   SOLE   77,515 0 0
Xtrackers MSCI Europe Hedged Equity ETF ETF 233051846   375,809 10,370 SH   SOLE   10,370 0 0
iMGP DBi Managed Futures Strategy ETF ETF 53700T827   21,648,281 783,506 SH   SOLE   783,506 0 0
DIMENSIONAL INTERNATIONAL VAL ETF ETF 25434V807   304,326 9,264 SH   SOLE   9,264 0 0
iShares Core Dividend Growth ETF ETF 46434V621   3,646,549 70,766 SH   SOLE   70,766 0 0
iShares MSCI KLD 400 Social ETF ETF 464288570   3,642,541 43,276 SH   SOLE   43,276 0 0
WisdomTree International Equity ETF ETF 97717W703   350,210 7,000 SH   SOLE   7,000 0 0
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549   226,841 4,809 SH   SOLE   4,809 0 0
iShares MSCI Emerging Markets ETF ETF 464287234   1,771,972 44,792 SH   SOLE   44,792 0 0
iShares MSCI EAFE ETF ETF 464287465   12,940,561 178,491 SH   SOLE   178,491 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   5,583,301 76,557 SH   SOLE   76,557 0 0
iShares ESG Aware MSCI EM ETF ETF 46434G863   5,227,425 165,268 SH   SOLE   165,268 0 0
iShares ESG Aware MSCI USA ETF ETF 46435G425   354,063 3,633 SH   SOLE   3,633 0 0
iShares ESG Aware MSCI USA Small-Cap ETF ETF 46435U663   5,393,084 151,832 SH   SOLE   151,832 0 0
Schwab Fundamental US Broad Market ETF ETF 808524789   412,503 7,270 SH   SOLE   7,270 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730   588,646 21,989 SH   SOLE   21,989 0 0
Schwab Fundamental US Large Company ETF ETF 808524771   243,176 4,224 SH   SOLE   4,224 0 0
SPDR Gold Shares ETF 78463V107   367,771 2,063 SH   SOLE   2,063 0 0
SPDR S&P Global Natural Resources ETF ETF 78463X541   483,034 8,960 SH   SOLE   8,960 0 0
iShares Core High Dividend ETF ETF 46429B663   1,101,534 10,929 SH   SOLE   10,929 0 0
iShares iBoxx $ High Yield Corp Bd ETF ETF 464288513   264,246 3,520 SH   SOLE   3,520 0 0
iShares Core MSCI Intl Dev Mkts ETF ETF 46435G326   40,779,085 667,197 SH   SOLE   667,197 0 0
iShares 7-10 Year Treasury Bond ETF ETF 464287440   5,639,700 58,382 SH   SOLE   58,382 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   1,923,548 28,497 SH   SOLE   28,497 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   43,605,237 884,667 SH   SOLE   884,667 0 0
iShares Core MSCI Europe ETF ETF 46434V738   427,092 8,115 SH   SOLE   8,115 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   4,187,584 42,023 SH   SOLE   42,023 0 0
iShares Core S&P Total US Stock Mkt ETF ETF 464287150   16,648,183 170,157 SH   SOLE   170,157 0 0
iShares Core S&P US Growth ETF ETF 464287671   1,352,119 13,848 SH   SOLE   13,848 0 0
iShares Core S&P US Value ETF ETF 464287663   1,089,301 13,919 SH   SOLE   13,919 0 0
iShares Core S&P 500 ETF ETF 464287200   102,379,965 229,701 SH   SOLE   229,701 0 0
iShares S&P 500 Growth ETF ETF 464287309   295,664 4,195 SH   SOLE   4,195 0 0
iShares Russell 1000 ETF ETF 464287622   6,505,942 26,692 SH   SOLE   26,692 0 0
iShares Russell 2000 ETF ETF 464287655   23,738,477 126,761 SH   SOLE   126,761 0 0
iShares Russell 2000 Value ETF ETF 464287630   244,147 1,734 SH   SOLE   1,734 0 0
iShares US Financial Services ETF ETF 464287770   757,562 4,795 SH   SOLE   4,795 0 0
JPMorgan Active Value ETF ETF 46641Q167   627,170 11,800 SH   SOLE   11,800 0 0
JPMorgan Diversified Return EMkts Eq ETF ETF 46641Q308   211,553 4,190 SH   SOLE   4,190 0 0
Vanguard Mega Cap Growth ETF ETF 921910816   4,054,564 17,230 SH   SOLE   17,230 0 0
Marsh & Mclennan Companies Inc Stock 571748102   338,544 1,800 SH   SOLE   1,800 0 0
Microsoft Corp Stock 594918104   260,173 764 SH   SOLE   764 0 0
Nestle SA Stock H57312649   346,608 2,884 SH   SOLE   2,884 0 0
Nuveen ESG US Aggregate Bond ETF ETF 67092P870   811,884 36,929 SH   SOLE   36,929 0 0
iShares S&P 100 ETF ETF 464287101   1,204,261 5,816 SH   SOLE   5,816 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   1,048,079 7,004 SH   SOLE   7,004 0 0
Schwab US Small-Cap ETFn ETF 808524607   820,804 18,740 SH   SOLE   18,740 0 0
Schwab US TIPS ETFn ETF 808524870   53,624,998 1,022,792 SH   SOLE   1,022,792 0 0
Schwab US Large-Cap ETFn ETF 808524201   280,531 5,357 SH   SOLE   5,357 0 0
SPDR Portfolio Short Term Corp Bd ETF ETF 78464A474   64,433,584 2,188,641 SH   SOLE   2,188,641 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   2,320,022 5,234 SH   SOLE   5,234 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   409,397 3,935 SH   SOLE   3,935 0 0
iShares MSCI USA ESG Select ETF ETF 464288802   1,428,104 15,251 SH   SOLE   15,251 0 0
iShares ESG 1-5 Year USD Corp Bd ETF ETF 46435G243   674,382 28,205 SH   SOLE   28,205 0 0
iShares TIPS Bond ETF ETF 464287176   280,565 2,607 SH   SOLE   2,607 0 0
PIMCO Broad US TIPS ETF ETF 72201R403   2,857,589 52,837 SH   SOLE   52,837 0 0
SPDR DoubleLine Total Return Tact ETF ETF 78467V848   8,164,206 201,337 SH   SOLE   201,337 0 0
TCW Strategic Income ETF 872340104   75,006 16,200 SH   SOLE   16,200 0 0
Tesla Motors Inc Stock 88160R101   226,169 864 SH   SOLE   864 0 0
iShares MSCI World ETF ETF 464286392   1,199,003 9,629 SH   SOLE   9,629 0 0
iShares Broad USD High Yield Corp Bd ETF ETF 46435U853   1,151,789 32,629 SH   SOLE   32,629 0 0
Vanguard Small-Cap ETF ETF 922908751   450,088 2,263 SH   SOLE   2,263 0 0
Vanguard Short-Term Corporate Bond ETF ETF 92206C409   5,400,913 71,384 SH   SOLE   71,384 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   60,466,606 1,309,368 SH   SOLE   1,309,368 0 0
Vanguard FTSE All-Wld ex-US ETF ETF 922042775   1,426,358 26,215 SH   SOLE   26,215 0 0
Vanguard FTSE Europe ETF ETF 922042874   257,783 4,178 SH   SOLE   4,178 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   6,345,717 39,067 SH   SOLE   39,067 0 0
Vanguard Real Estate ETF ETF 922908553   767,459 9,185 SH   SOLE   9,185 0 0
Vanguard Mid-Cap ETF ETF 922908629   552,338 2,509 SH   SOLE   2,509 0 0
Vanguard Russell 1000 ETF ETF 92206C730   14,572,942 72,301 SH   SOLE   72,301 0 0
Vanguard S&P 500 ETF ETF 922908363   81,252,141 199,499 SH   SOLE   199,499 0 0
ENGINE NO 1 TRANSFORM 500 ETF ETF 29287L106   9,818,551 190,282 SH   SOLE   190,282 0 0
Vanguard Total Stock Market ETF ETF 922908769   49,984,973 226,916 SH   SOLE   226,916 0 0
Vanguard Value ETF ETF 922908744   1,661,735 11,694 SH   SOLE   11,694 0 0
Vanguard Russell 2000 ETF ETF 92206C664   15,976,162 211,269 SH   SOLE   211,269 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   67,557,754 1,660,712 SH   SOLE   1,660,712 0 0
Energy Select Sector SPDR ETF ETF 81369Y506   409,016 5,039 SH   SOLE   5,039 0 0