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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   5,084,934 260,232 SH   SOLE   0 0 260,232
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   465,839 19,483 SH   SOLE   0 0 19,483
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   389,451 7,602 SH   SOLE   0 0 7,602
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   374,460 3,736 SH   SOLE   0 0 3,736
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   888,484 19,005 SH   SOLE   0 0 19,005
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   722,602 54,168 SH   SOLE   0 0 54,168
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   2,189,217 21,423 SH   SOLE   0 0 21,423
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   2,851,334 85,446 SH   SOLE   0 0 85,446
ISHARES GOLD TR ISHARES NEW 464285204   10,797,854 228,381 SH   SOLE   0 0 228,381
ISHARES INC CORE MSCI EMKT 46434G103   889,332 16,330 SH   SOLE   0 0 16,330
ISHARES INC MSCI EURZONE ETF 464286608   406,183 7,907 SH   SOLE   0 0 7,907
ISHARES TR 3 7 YR TREAS BD 464288661   914,619 7,704 SH   SOLE   0 0 7,704
ISHARES TR CHINA LG-CAP ETF 464287184   311,249 11,763 SH   SOLE   0 0 11,763
ISHARES TR CORE INTL AGGR 46435G672   2,090,940 40,767 SH   SOLE   0 0 40,767
ISHARES TR CORE S&P SCP ETF 464287804   299,289 2,569 SH   SOLE   0 0 2,569
ISHARES TR CORE S&P500 ETF 464287200   866,561 1,529 SH   SOLE   0 0 1,529
ISHARES TR CRE U S REIT ETF 464288521   292,845 4,838 SH   SOLE   0 0 4,838
ISHARES TR INTL DEV RE ETF 464288489   378,917 17,076 SH   SOLE   0 0 17,076
ISHARES TR INTL TREA BD ETF 464288117   583,011 14,199 SH   SOLE   0 0 14,199
ISHARES TR MSCI CHINA ETF 46429B671   3,577,009 85,513 SH   SOLE   0 0 85,513
ISHARES TR RUSSELL 2000 ETF 464287655   652,318 2,964 SH   SOLE   0 0 2,964
ISHARES TR TIPS BD ETF 464287176   494,488 4,542 SH   SOLE   0 0 4,542
ISHARES TR U.S. REAL ES ETF 464287739   1,203,617 12,093 SH   SOLE   0 0 12,093
PEGASYSTEMS INC COM 705573103   212,640 3,000 SH   SOLE   0 0 3,000
PROSHARES TR BITCOIN ETF 74347G440   56,772 2,988 SH   SOLE   0 0 2,988
PROSHARES TR BITCOIN ETF 74347G440   271,700 14,300 PRN Call SOLE   0 0 14,300
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,558,592 204,360 SH   SOLE   0 0 204,360
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   452,921 12,172 SH   SOLE   0 0 12,172
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,250,640 104,259 SH   SOLE   0 0 104,259
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,750,486 99,456 SH   SOLE   0 0 99,456
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,615,270 52,097 SH   SOLE   0 0 52,097
SCHWAB STRATEGIC TR US REIT ETF 808524847   4,577,887 202,651 SH   SOLE   0 0 202,651
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,805,843 94,011 SH   SOLE   0 0 94,011
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,584,361 48,826 SH   SOLE   0 0 48,826
SPDR GOLD TR GOLD SHS 78463V107   1,381,033 5,971 SH   SOLE   0 0 5,971
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   1,325,463 48,802 SH   SOLE   0 0 48,802
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   2,356,654 44,863 SH   SOLE   0 0 44,863
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   821,125 22,097 SH   SOLE   0 0 22,097
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   865,150 22,419 SH   SOLE   0 0 22,419
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400   251,911 3,747 SH   SOLE   0 0 3,747
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,134,624 34,083 SH   SOLE   0 0 34,083
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,397,927 2,480 SH   SOLE   0 0 2,480
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,227,014 35,145 SH   SOLE   0 0 35,145
SPDR SER TR BLOOMBERG EMERGI 78464A391   511,096 24,643 SH   SOLE   0 0 24,643
SPDR SER TR BLOOMBERG INTL T 78464A516   2,946,060 128,874 SH   SOLE   0 0 128,874
SPDR SER TR FTSE INT GVT ETF 78464A490   1,635,858 41,164 SH   SOLE   0 0 41,164
SPDR SER TR PORTFOLIO S&P500 78464A854   4,758,838 71,799 SH   SOLE   0 0 71,799
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,564,686 103,540 SH   SOLE   0 0 103,540
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   581,247 11,681 SH   SOLE   0 0 11,681
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   600,366 6,311 SH   SOLE   0 0 6,311
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,458,642 6,249 SH   SOLE   0 0 6,249
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,469,950 72,470 SH   SOLE   0 0 72,470
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,393,773 53,528 SH   SOLE   0 0 53,528
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   278,472 3,926 SH   SOLE   0 0 3,926
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,441,766 11,715 SH   SOLE   0 0 11,715
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,840,140 108,572 SH   SOLE   0 0 108,572
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,227,541 19,371 SH   SOLE   0 0 19,371
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,861,260 35,527 SH   SOLE   0 0 35,527
WORLD GOLD TR SPDR GLD MINIS 98149E303   4,205,828 84,812 SH   SOLE   0 0 84,812