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
Estimated average burden
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
ALPHABET INC CAP STK CL A 02079K305 245 226 SH   SOLE   226 0 0
ALPHABET INC CAP STK CL C 02079K107 226 209 SH   SOLE   209 0 0
AMAZON COM INC COM 023135106 460 243 SH   SOLE   243 0 0
APPLE INC COM 037833100 622 3,145 SH   SOLE   3,145 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 46,807 1,449,648 SH   SOLE   1,449,648 0 0
FACEBOOK INC CL A 30303M102 10,646 55,160 SH   SOLE   55,160 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 135,320 9,617,605 SH   SOLE   9,617,605 0 0
ISHARES INC CORE MSCI EMKT 46434G103 176,897 3,438,893 SH   SOLE   3,438,893 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,660 36,391 SH   SOLE   36,391 0 0
ISHARES TR 20 YR TR BD ETF 464287432 124,294 935,880 SH   SOLE   935,880 0 0
ISHARES TR CORE MSCI EAFE 46432F842 289 4,710 SH   SOLE   4,710 0 0
ISHARES TR CORE S&P MCP ETF 464287507 317 1,630 SH   SOLE   1,630 0 0
ISHARES TR HDG MSCI EAFE 46434V803 548 18,370 SH   SOLE   18,370 0 0
ISHARES TR INTRM GOV CR ETF 464288612 9,390 83,626 SH   SOLE   83,626 0 0
ISHARES TR MSCI EAFE ETF 464287465 37,363 568,428 SH   SOLE   568,428 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,858 34,117 SH   SOLE   34,117 0 0
ISHARES TR RUS 1000 ETF 464287622 5,349 32,857 SH   SOLE   32,857 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,003 6,372 SH   SOLE   6,372 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 271 2,132 SH   SOLE   2,132 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 5,625 46,682 SH   SOLE   46,682 0 0
ISHARES TR RUS MID CAP ETF 464287499 314 5,629 SH   SOLE   5,629 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 653 4,201 SH   SOLE   4,201 0 0
ISHARES TR SHORT TREAS BD 464288679 67,271 607,961 SH   SOLE   607,961 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,962 55,953 SH   SOLE   55,953 0 0
ISHARES TR USA QUALITY FCTR 46432F339 127,306 1,391,775 SH   SOLE   1,391,775 0 0
JOHNSON & JOHNSON COM 478160104 252 1,807 SH   SOLE   1,807 0 0
JPMORGAN CHASE & CO COM 46625H100 226 2,020 SH   SOLE   2,020 0 0
MICROSOFT CORP COM 594918104 794 5,927 SH   SOLE   5,927 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,114 69,566 SH   SOLE   69,566 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 200 7,250 SH   SOLE   7,250 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 51,747 175,755 SH   SOLE   175,755 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 25,643 279,917 SH   SOLE   279,917 0 0
VANGUARD GROUP DIV APP ETF 921908844 2,633 22,860 SH   SOLE   22,860 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,547 74,205 SH   SOLE   74,205 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,321 15,974 SH   SOLE   15,974 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 838 6,385 SH   SOLE   6,385 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 129,057 3,034,486 SH   SOLE   3,034,486 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 70,472 1,194,440 SH   SOLE   1,194,440 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 804 10,696 SH   SOLE   10,696 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 31,752 761,251 SH   SOLE   761,251 0 0
VISA INC COM CL A 92826C839 209 1,205 SH   SOLE   1,205 0 0