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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRACK MSCI EAFE 233051200 44,100 1,412,561 SH   SOLE   1,412,561 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 122,501 9,503,598 SH   SOLE   9,503,598 0 0
ISHARES INC CORE MSCI EMKT 46434G103 167,358 3,236,471 SH   SOLE   3,236,471 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,870 28,796 SH   SOLE   28,796 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 63,752 757,870 SH   SOLE   757,870 0 0
ISHARES TR 20 YR TR BD ETF 464287432 119,059 941,621 SH   SOLE   941,621 0 0
ISHARES TR HDG MSCI EAFE 46434V803 530 18,370 SH   SOLE   18,370 0 0
ISHARES TR INTRM GOV CR ETF 464288612 9,941 90,163 SH   SOLE   90,163 0 0
ISHARES TR MSCI EAFE ETF 464287465 36,889 568,754 SH   SOLE   568,754 0 0
ISHARES TR RUS 1000 ETF 464287622 4,355 27,682 SH   SOLE   27,682 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 5,258 43,850 SH   SOLE   43,850 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,009 47,251 SH   SOLE   47,251 0 0
ISHARES TR USA QUALITY FCTR 46432F339 123,389 1,393,434 SH   SOLE   1,393,434 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 47,999 169,175 SH   SOLE   169,175 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 2,865 31,277 SH   SOLE   31,277 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,443 73,615 SH   SOLE   73,615 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,146 15,974 SH   SOLE   15,974 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 133,895 3,150,460 SH   SOLE   3,150,460 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 71,101 1,193,575 SH   SOLE   1,193,575 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 29,312 714,158 SH   SOLE   714,158 0 0