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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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 45,125 1,335,843 SH   SOLE   1,335,843 0 0
FACEBOOK INC CL A 30303M102 30,970 150,889 SH   SOLE   150,889 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 149,347 9,883,990 SH   SOLE   9,883,990 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 360 6,172 SH   SOLE   6,172 0 0
ISHARES INC CORE MSCI EMKT 46434G103 233,373 4,341,020 SH   SOLE   4,341,020 0 0
ISHARES TR 20 YR TR BD ETF 464287432 128,598 949,204 SH   SOLE   949,204 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 655 13,000 SH   SOLE   13,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 335 1,630 SH   SOLE   1,630 0 0
ISHARES TR CORE S&P500 ETF 464287200 221 685 SH   SOLE   685 0 0
ISHARES TR INTRM GOV CR ETF 464288612 11,308 100,372 SH   SOLE   100,372 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 303 4,064 SH   SOLE   4,064 0 0
ISHARES TR MSCI EAFE ETF 464287465 26,156 376,668 SH   SOLE   376,668 0 0
ISHARES TR RUS 1000 ETF 464287622 4,692 26,297 SH   SOLE   26,297 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,569 8,917 SH   SOLE   8,917 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 600 4,397 SH   SOLE   4,397 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 7,706 59,930 SH   SOLE   59,930 0 0
ISHARES TR RUS MID CAP ETF 464287499 336 5,629 SH   SOLE   5,629 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 681 4,109 SH   SOLE   4,109 0 0
ISHARES TR S&P MC 400GR ETF 464287606 289 1,215 SH   SOLE   1,215 0 0
ISHARES TR S&P MC 400VL ETF 464287705 291 1,705 SH   SOLE   1,705 0 0
ISHARES TR S&P SML 600 GWT 464287887 287 1,485 SH   SOLE   1,485 0 0
ISHARES TR SHORT TREAS BD 464288679 81,892 741,371 SH   SOLE   741,371 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,698 53,360 SH   SOLE   53,360 0 0
ISHARES TR US TREAS BD ETF 46429B267 82,106 3,165,240 SH   SOLE   3,165,240 0 0
ISHARES TR USA QUALITY FCTR 46432F339 179,509 1,777,314 SH   SOLE   1,777,314 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 627 18,632 SH   SOLE   18,632 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,197 69,566 SH   SOLE   69,566 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,900 13,293 SH   SOLE   13,293 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 236 5,498 SH   SOLE   5,498 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 66,647 207,067 SH   SOLE   207,067 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 273 2,536 SH   SOLE   2,536 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 70,505 771,142 SH   SOLE   771,142 0 0
VANGUARD GROUP DIV APP ETF 921908844 2,850 22,860 SH   SOLE   22,860 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,310 68,003 SH   SOLE   68,003 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,910 16,600 SH   SOLE   16,600 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 849 6,194 SH   SOLE   6,194 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 182,908 4,113,065 SH   SOLE   4,113,065 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 111 2,500 SH Call SOLE   2,500 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 375 3,375 SH   SOLE   3,375 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 38,076 644,367 SH   SOLE   644,367 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 810 10,000 SH   SOLE   10,000 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 43,806 994,232 SH   SOLE   994,232 0 0
WISDOMTREE TR INTL MIDCAP DV 97717W778 741 11,282 SH   SOLE   11,282 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 392 5,519 SH   SOLE   5,519 0 0