#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SCHWAB STRATEGIC TR	808524805	180,778,097	$4.35B	14.74%
2	ISHARES TR	464287655	8,470,296	$2.09B	7.07%
3	VANGUARD INTL EQUITY INDEX F	922042858	34,070,052	$1.83B	6.21%
4	VANGUARD BD INDEX FDS	921937827	20,972,198	$1.65B	5.61%
5	VANGUARD INDEX FDS	922908553	16,150,941	$1.43B	4.85%
6	SCHWAB STRATEGIC TR	808524870	49,666,971	$1.32B	4.46%
7	VANGUARD SCOTTSDALE FDS	92206C706	21,891,841	$1.31B	4.45%
8	ISHARES TR	464288620	18,917,043	$979.3M	3.32%
9	SCHWAB STRATEGIC TR	808524607	34,024,368	$969.0M	3.29%
10	VANGUARD SCOTTSDALE FDS	92206C847	14,411,863	$804.2M	2.73%
11	VANGUARD INTL EQUITY INDEX F	922042718	4,944,180	$708.6M	2.40%
12	VANGUARD INTL EQUITY INDEX F	922042676	14,158,418	$649.0M	2.20%
13	ALPHABET INC	GOOG	2,010,266	$630.8M	2.14%
14	ISHARES TR	46435G516	6,562,442	$624.0M	2.12%
15	APPLE INC	AAPL	2,129,082	$578.8M	1.96%
16	SPDR SERIES TRUST	78464A391	26,107,425	$557.9M	1.89%
17	VANGUARD INDEX FDS	922908769	1,656,574	$555.4M	1.88%
18	NVIDIA CORPORATION	NVDA	2,885,628	$538.2M	1.83%
19	WORLD GOLD TR	GLDW	5,868,543	$501.0M	1.70%
20	ISHARES TR	46434V407	11,141,123	$477.6M	1.62%