#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SCHWAB INTERNATIONAL EQUITY ETF	808524805	1,300,023	$28.7M	10.89%
2	VANGUARD GROWTH ETF	922908736	64,605	$28.3M	10.73%
3	VANGUARD MID-CAP ETF	922908629	75,874	$21.2M	8.05%
4	SPDR PORTFOLIO S&P 500 VALUE ETF	78464A508	405,567	$21.2M	8.04%
5	ISHARES CORE S&P SMALL CAP ETF	464287804	135,543	$14.8M	5.61%
6	VANGUARD FTSE EMERGING MARKETS ETF	922042858	277,061	$13.7M	5.19%
7	VANGUARD VALUE ETF	922908744	73,650	$13.0M	4.93%
8	SCHWAB 5-10 YEAR CORPORATE BOND ETF	808524698	511,211	$11.6M	4.41%
9	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	96,628	$9.6M	3.63%
10	INVESCO QQQ TRUST SERIES I	IVZ	17,061	$9.4M	3.57%
11	SCHWAB U.S. REIT ETF	808524847	401,402	$8.5M	3.22%
12	VANGUARD MORTGAGE-BACKED SECURITIES ETF	92206C771	178,124	$8.3M	3.13%
13	ISHARES 20 YEAR TREASURY BOND ETF	464287432	90,123	$8.0M	3.01%
14	SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF	78468R648	117,008	$6.4M	2.41%
15	SPDR GOLD SHARES	GLD	19,693	$6.0M	2.27%
16	VANGUARD TOTAL BOND MARKET ETF	921937835	77,092	$5.7M	2.15%
17	ISHARES CORE MSCI EAFE ETF	46432F842	63,308	$5.3M	2.00%
18	VANGUARD TOTAL STOCK MARKET ETF	922908769	13,347	$4.1M	1.54%
19	FRANKLIN U.S. LARGE CAP MULTIFACTOR INDEX ETF	FGDL	57,285	$3.6M	1.37%
20	VANGUARD RUSSELL 3000 ETF	92206C599	12,886	$3.5M	1.33%