Dravo Bay 13F-HR Quarterly holdings report by institutional manager

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
Kyndryl Holdings Inc	Stock	50155Q100	394	30	SH		SOLE		0	0	30
Lucid Group Inc	Stock	549498103	635	25	SH		SOLE		0	0	25
SPDR Gold MiniShares Trust	ETF	98149E303	1,693	44	SH		SOLE		0	0	44
Vale SA	Stock	91912E105	3,318	166	SH		SOLE		0	0	166
SoFi Technologies Inc	Stock	83406F102	5,462	578	SH		SOLE		0	0	578
Coinbase Global Inc	Stock	19260Q107	6,455	34	SH		SOLE		0	0	34
Target Corp	Stock	87612E106	9,762	46	SH		SOLE		0	0	46
Amcor PLC	Stock	G0250X107	14,446	1,275	SH		SOLE		0	0	1,275
Invesco QQQ Trust Series 1	ETF	46090E103	31,904	88	SH		SOLE		0	0	88
General Electric Co	Stock	369604301	44,469	486	SH		SOLE		0	0	486
Invesco S&P International Developed Low Volatility ETF	ETF	46138E230	117,118	3,761	SH		SOLE		0	0	3,761
AT&T Inc	Stock	00206R102	236	10	SH		SOLE		0	0	10
Baidu Inc	Stock	056752108	794	6	SH		SOLE		0	0	6
Airbnb Inc	ETF	009066101	859	5	SH		SOLE		0	0	5
Alibaba Group Holding Ltd	Stock	01609W102	870	8	SH		SOLE		0	0	8
Canopy Growth Corp	Stock	138035100	963	127	SH		SOLE		0	0	127
Paysafe Ltd	Stock	G6964L107	1,017	300	SH		SOLE		0	0	300
Pitney Bowes Inc	Stock	724479100	1,024	197	SH		SOLE		0	0	197
Zillow Group Inc	Stock	98954M200	1,035	21	SH		SOLE		0	0	21
iShares Preferred & Income Securities ETF	ETF	464288687	1,275	35	SH		SOLE		0	0	35
Aurora Cannabis Inc	Stock	05156X884	1,400	350	SH		SOLE		0	0	350
Prudential Financial Inc	Stock	744320102	1,418	12	SH		SOLE		0	0	12
Las Vegas Sands Corp	Stock	517834107	1,438	37	SH		SOLE		0	0	37
NIO Inc	Stock	62914V106	1,452	69	SH		SOLE		0	0	69
PG&E Corp	Stock	69331C108	1,469	123	SH		SOLE		0	0	123
Teladoc Health Inc	Stock	87918A105	1,515	21	SH		SOLE		0	0	21
Vanguard Consumer Discretionary ETF	ETF	92204A108	1,526	5	SH		SOLE		0	0	5
Tilray Brands Inc	Stock	88688T100	1,554	200	SH		SOLE		0	0	200
iShares S&P Small-Cap 600 Value ETF	ETF	464287879	1,638	16	SH		SOLE		0	0	16
Lemonade Inc	Stock	52567D107	1,714	65	SH		SOLE		0	0	65
Citigroup Inc	Stock	172967424	1,762	33	SH		SOLE		0	0	33
Cisco Systems Inc	Stock	17275R102	1,952	35	SH		SOLE		0	0	35
Vanguard Energy ETF	ETF	92204A306	2,034	19	SH		SOLE		0	0	19
BioNTech SE	Stock	09075V102	2,047	12	SH		SOLE		0	0	12
Pinterest Inc	Stock	72352L106	2,092	85	SH		SOLE		0	0	85
Snap Inc	Stock	83304A106	2,195	61	SH		SOLE		0	0	61
Peabody Energy Corp	Stock	704551100	2,208	90	SH		SOLE		0	0	90
Bank of America Corp	Stock	060505104	2,308	56	SH		SOLE		0	0	56
DraftKings Inc	Stock	26142R104	2,434	125	SH		SOLE		0	0	125
Vanguard Large-Cap ETF	ETF	922908637	2,502	12	SH		SOLE		0	0	12
Wisdomtree Emerging Markets EX-State-Owned Enterprises Fund	ETF	97717X578	2,515	77	SH		SOLE		0	0	77
Fidelity Value Factor ETF	ETF	316092782	2,542	50	SH		SOLE		0	0	50
Advanced Micro Devices Inc	Stock	007903107	2,734	25	SH		SOLE		0	0	25
CF Industries Holdings Inc	Stock	125269100	2,886	28	SH		SOLE		0	0	28
Anheuser-Busch InBev SA/NV	Stock	03524A108	3,123	52	SH		SOLE		0	0	52
Direxion Daily 20 Year Plus Treasury Bear 3x Shares	ETF	25460G849	3,160	44	SH		SOLE		0	0	44
Ford Motor Co	Stock	345370860	3,230	191	SH		SOLE		0	0	191
Ocugen Inc	Stock	67577C105	3,300	1,000	SH		SOLE		0	0	1,000
ARK Innovation ETF	ETF	00214Q104	3,580	54	SH		SOLE		0	0	54
Anavex Life Sciences Corp	Stock	032797300	3,693	300	SH		SOLE		0	0	300
United States Steel Corp	Stock	912909108	3,736	99	SH		SOLE		0	0	99
Workhorse Group Inc	Stock	98138J206	3,750	750	SH		SOLE		0	0	750
Paramount Global	Stock	92556H206	3,781	100	SH		SOLE		0	0	100
Freeport-McMoRan Inc	Stock	35671D857	3,880	78	SH		SOLE		0	0	78
Twilio Inc	Stock	90138F102	4,120	25	SH		SOLE		0	0	25
FlexShares Global Upstream Natural Resources Index Fund	ETF	33939L407	4,168	89	SH		SOLE		0	0	89
Diamondback Energy Inc	Stock	25278X109	4,387	32	SH		SOLE		0	0	32
Prelude Therapeutics Inc	Stock	74065P101	4,485	650	SH		SOLE		0	0	650
Shopify Inc	Stock	82509L107	4,732	7	SH		SOLE		0	0	7
Palantir Technologies Inc	Stock	69608A108	4,833	352	SH		SOLE		0	0	352
Global X US Preferred ETF	ETF	37954Y657	4,935	210	SH		SOLE		0	0	210
Mosaic Co/The	Stock	61945C103	4,988	75	SH		SOLE		0	0	75
Vanguard Mortgage-Backed Securities ETF	ETF	92206C771	5,110	102	SH		SOLE		0	0	102
Cleveland-Cliffs Inc	Stock	185899101	5,186	161	SH		SOLE		0	0	161
Vanguard U.S. Value Factor	ETF	921935805	5,336	50	SH		SOLE		0	0	50
Walt Disney Co/The	Stock	254687106	5,349	39	SH		SOLE		0	0	39
Direxion Daily Small Cap Bull 3X Shares	ETF	25459W847	5,480	87	SH		SOLE		0	0	87
Penn National Gaming Inc	Stock	707569109	5,599	132	SH		SOLE		0	0	132
SPDR Blackstone / GSO Senior Loan ETF	ETF	78467V608	5,620	125	SH		SOLE		0	0	125
Wisdomtree Cboe S&P 500 Putwrite Strategy Fund	ETF	97717X560	5,828	166	SH		SOLE		0	0	166
Affirm Holdings Inc	Stock	00827B106	6,016	130	SH		SOLE		0	0	130
Block Inc	Stock	852234103	6,644	49	SH		SOLE		0	0	49
General Motors Co	Stock	37045V100	7,261	166	SH		SOLE		0	0	166
DR Horton Inc	Stock	23331A109	7,451	100	SH		SOLE		0	0	100
iShares Core U.S. Aggregate Bond ETF	ETF	464287226	7,604	71	SH		SOLE		0	0	71
iShares Core Dividend Growth ETF	ETF	46434V621	8,866	166	SH		SOLE		0	0	166
WisdomTree International Equity Fund	ETF	97717W703	8,968	170	SH		SOLE		0	0	170
W R Berkley Corp	Stock	084423102	9,989	150	SH		SOLE		0	0	150
Sun Life Financial Inc	Stock	866796105	10,440	187	SH		SOLE		0	0	187
Nuveen ESG Small-Cap ETF	ETF	67092P607	11,155	280	SH		SOLE		0	0	280
Verizon Communications Inc	Stock	92343V104	11,207	220	SH		SOLE		0	0	220
Vanguard Intermediate-Term Bond ETF	ETF	921937819	11,220	137	SH		SOLE		0	0	137
PayPal Holdings Inc	Stock	70450Y103	11,565	100	SH		SOLE		0	0	100
Vanguard Total World Stock ETF	ETF	922042742	12,155	120	SH		SOLE		0	0	120
Intel Corp	Stock	458140100	12,985	262	SH		SOLE		0	0	262
Alphabet Inc	Stock	02079K107	13,965	5	SH		SOLE		0	0	5
Sysco Corp	Stock	871829107	14,125	173	SH		SOLE		0	0	173
3M Co	Stock	88579Y101	14,888	100	SH		SOLE		0	0	100
Vanguard Mid-Cap ETF	ETF	922908629	14,984	63	SH		SOLE		0	0	63
Everest Re Group Ltd	Stock	G3223R108	15,069	50	SH		SOLE		0	0	50
Vanguard Total Stock Market ETF	ETF	922908769	15,254	67	SH		SOLE		0	0	67
Schwab US Dividend Equity ETF	ETF	808524797	16,251	206	SH		SOLE		0	0	206
Crowdstrike Holdings Inc	Stock	22788C105	16,350	72	SH		SOLE		0	0	72
Berkshire Hathaway Inc	Stock	084670702	17,998	51	SH		SOLE		0	0	51
iShares Morningstar Small-Cap ETF	ETF	464288505	19,113	357	SH		SOLE		0	0	357
International Business Machines Corp	Stock	459200101	19,503	150	SH		SOLE		0	0	150
eXp World Holdings Inc	Stock	30212W100	19,688	930	SH		SOLE		0	0	930
iShares Core S&P 500 ETF	ETF	464287200	19,962	44	SH		SOLE		0	0	44
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	20,963	417	SH		SOLE		0	0	417
SPDR Nuveen Bloomberg Short Term Municipal Bond ETF	ETF	78468R739	21,109	446	SH		SOLE		0	0	446
Vanguard S&P 500 ETF	ETF	922908363	21,174	51	SH		SOLE		0	0	51
Tesla Inc	Stock	88160R101	21,552	20	SH		SOLE		0	0	20
NVIDIA Corp	Stock	67066G104	22,647	83	SH		SOLE		0	0	83
Honeywell International Inc	Stock	438516106	22,960	118	SH		SOLE		0	0	118
Phillips 66	Stock	718546104	25,571	296	SH		SOLE		0	0	296
JPMorgan Chase & Co	Stock	46625H100	25,901	190	SH		SOLE		0	0	190
Darden Restaurants Inc	Stock	237194105	26,590	200	SH		SOLE		0	0	200
General Mills Inc	Stock	370334104	27,088	400	SH		SOLE		0	0	400
Alphabet Inc	Stock	02079K305	27,814	10	SH		SOLE		0	0	10
Union Pacific Corp	Stock	907818108	29,233	107	SH		SOLE		0	0	107
Meta Platforms Inc	Stock	30303M102	30,908	139	SH		SOLE		0	0	139
Abbott Laboratories	Stock	002824100	32,431	274	SH		SOLE		0	0	274
Uber Technologies Inc	Stock	90353T100	33,539	940	SH		SOLE		0	0	940
Chemours Co/The	Stock	163851108	33,967	1,079	SH		SOLE		0	0	1,079
SPDR Bloomberg 1-3 Month T-Bill ETF	ETF	78468R663	35,566	389	SH		SOLE		0	0	389
Exxon Mobil Corp	Stock	30231G102	38,487	466	SH		SOLE		0	0	466
Procter & Gamble Co/The	Stock	742718109	39,728	260	SH		SOLE		0	0	260
iShares S&P 500 Value ETF	ETF	464287408	44,847	288	SH		SOLE		0	0	288
Carrier Global Corp	Stock	14448C104	45,870	1,000	SH		SOLE		0	0	1,000
DocuSign Inc	Stock	256163106	55,595	519	SH		SOLE		0	0	519
Coca-Cola Co/The	Stock	191216100	62,000	1,000	SH		SOLE		0	0	1,000
ConocoPhillips	Stock	20825C104	66,600	666	SH		SOLE		0	0	666
Amazon.com Inc	Stock	023135106	71,719	22	SH		SOLE		0	0	22
iShares S&P 500 Growth ETF	ETF	464287309	74,241	972	SH		SOLE		0	0	972
Corteva Inc	Stock	22052L104	76,851	1,337	SH		SOLE		0	0	1,337
SPDR Bloomberg Emerging Markets Local Bond ETF	ETF	78464A391	84,192	3,704	SH		SOLE		0	0	3,704
Dow Inc	Stock	260557103	85,194	1,337	SH		SOLE		0	0	1,337
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	86,076	1,283	SH		SOLE		0	0	1,283
Home Depot Inc/The	Stock	437076102	87,404	292	SH		SOLE		0	0	292
DuPont de Nemours Inc	Stock	26614N102	98,376	1,337	SH		SOLE		0	0	1,337
Johnson & Johnson	Stock	478160104	106,338	600	SH		SOLE		0	0	600
BlackRock Short Maturity Bond ETF	ETF	46431W507	113,912	2,298	SH		SOLE		0	0	2,298
Deere & Co	Stock	244199105	142,087	342	SH		SOLE		0	0	342
Aberdeen Standard Investments ETFS Bloomberg All Comdty Strgy K 1 Free ETF	ETF	003261104	149,947	5,221	SH		SOLE		0	0	5,221
Microsoft Corp	Stock	594918104	185,294	601	SH		SOLE		0	0	601
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund	ETF	72201R833	187,199	1,869	SH		SOLE		0	0	1,869
Vanguard Small-Cap ETF	ETF	922908751	206,569	972	SH		SOLE		0	0	972
Vanguard High Dividend Yield ETF	ETF	921946406	314,525	2,802	SH		SOLE		0	0	2,802
iShares MSCI EAFE Min Vol Factor ETF	ETF	46429B689	328,814	4,558	SH		SOLE		0	0	4,558
iShares Russell 2000 Growth ETF	ETF	464287648	343,472	1,343	SH		SOLE		0	0	1,343
Invesco Senior Loan ETF	ETF	46138G508	372,115	17,093	SH		SOLE		0	0	17,093
Visa Inc	Stock	92826C839	409,609	1,847	SH		SOLE		0	0	1,847
Vanguard Emerging Markets Government Bond ETF	ETF	921946885	427,334	6,117	SH		SOLE		0	0	6,117
Apple Inc	Stock	037833100	443,509	2,540	SH		SOLE		0	0	2,540
McDonald's Corp	Stock	580135101	469,585	1,899	SH		SOLE		0	0	1,899
PepsiCo Inc	Stock	713448108	472,849	2,825	SH		SOLE		0	0	2,825
iShares Russell 2000 Value ETF	ETF	464287630	480,649	2,978	SH		SOLE		0	0	2,978
iShares Short-Term National Muni Bond ETF	ETF	464288158	881,464	8,427	SH		SOLE		0	0	8,427
SPDR Nuveen S&P High Yield Municipal Bond ETF	ETF	78464A284	1,105,923	20,053	SH		SOLE		0	0	20,053
Schwab Short-Term U.S. Treasury ETF	ETF	808524862	1,163,298	23,482	SH		SOLE		0	0	23,482
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	1,193,325	21,482	SH		SOLE		0	0	21,482
Vanguard Small-Cap Growth ETF	ETF	922908595	1,247,598	5,028	SH		SOLE		0	0	5,028
Vanguard Small-Cap Value ETF	ETF	922908611	1,297,558	7,375	SH		SOLE		0	0	7,375
iShares MSCI Global Min Vol Factor ETF	ETF	464286525	1,424,504	13,590	SH		SOLE		0	0	13,590
Schwab U.S. Large-Cap Growth ETF	ETF	808524300	1,484,504	19,841	SH		SOLE		0	0	19,841
iShares MSCI USA Min Vol Factor ETF	ETF	46429B697	1,690,405	21,792	SH		SOLE		0	0	21,792
VanEck High Yield Muni ETF	ETF	92189H409	1,692,783	29,491	SH		SOLE		0	0	29,491
iShares JP Morgan USD Emerging Markets Bond ETF	ETF	464288281	2,132,243	21,811	SH		SOLE		0	0	21,811
Schwab U.S. Large-Cap Value ETF	ETF	808524409	2,190,245	30,680	SH		SOLE		0	0	30,680
Vanguard Short-Term Inflation-Protected Securities ETF	ETF	922020805	2,192,607	42,816	SH		SOLE		0	0	42,816
VanEck J. P. Morgan EM Local Currency Bond ETF	ETF	92189H300	2,445,267	90,599	SH		SOLE		0	0	90,599
iShares National Muni Bond ETF	ETF	464288414	3,023,433	27,576	SH		SOLE		0	0	27,576
iShares Core MSCI EAFE ETF	ETF	46432F842	3,260,575	46,908	SH		SOLE		0	0	46,908
Invesco S&P 500 Equal Weight ETF	ETF	46137V357	3,512,202	22,270	SH		SOLE		0	0	22,270
Xtrackers USD High Yield Corporate Bond ETF	ETF	233051432	3,579,439	94,895	SH		SOLE		0	0	94,895
Vanguard Tax-Exempt Bond Index ETF	ETF	922907746	4,105,597	79,643	SH		SOLE		0	0	79,643
Vanguard Value ETF	ETF	922908744	4,719,207	31,934	SH		SOLE		0	0	31,934
Schwab US Small-Cap ETF	ETF	808524607	5,331,789	112,580	SH		SOLE		0	0	112,580
Vanguard FTSE Emerging Markets ETF	ETF	922042858	5,512,350	119,496	SH		SOLE		0	0	119,496
Vanguard Growth ETF	ETF	922908736	5,882,858	20,455	SH		SOLE		0	0	20,455
Vanguard Total Bond Market ETF	ETF	921937835	12,566,445	157,989	SH		SOLE		0	0	157,989
Vanguard FTSE Developed Markets ETF	ETF	921943858	20,987,381	436,964	SH		SOLE		0	0	436,964
Schwab US Large-Cap ETF	ETF	808524201	23,361,853	433,832	SH		SOLE		0	0	433,832