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
DBX ETF TR XTRACK MSCI EAFE 233051200 2,621 69,496 SH   SOLE   69,496 0 0
ENGINE NO 1 ETF TRUST TRANSFRM 500 ETF 29287L106 64,643 1,221,751 SH   SOLE   1,221,751 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 225,626 11,751,377 SH   SOLE   11,751,377 0 0
ISHARES GOLD TR ISHARES NEW 464285204 1,778 48,286 SH   SOLE   48,286 0 0
ISHARES INC CORE MSCI EMKT 46434G103 160,165 2,883,266 SH   SOLE   2,883,266 0 0
ISHARES TR COHEN STEER REIT 464287564 405 5,708 SH   SOLE   5,708 0 0
ISHARES TR MSCI ACWI EX US 464288240 596 11,406 SH   SOLE   11,406 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,736 23,582 SH   SOLE   23,582 0 0
ISHARES TR HDG MSCI EAFE 46434V803 10,904 321,280 SH   SOLE   321,280 0 0
ISHARES TR RUS 1000 ETF 464287622 10,844 43,365 SH   SOLE   43,365 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 2,625 42,084 SH   SOLE   42,084 0 0
ISHARES TR US TREAS BD ETF 46429B267 371,890 14,929,328 SH   SOLE   14,929,328 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,935 6,970 SH   SOLE   6,970 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 10,306 76,550 SH   SOLE   76,550 0 0
ISHARES TR CORE US AGGBD ET 464287226 16,622 155,202 SH   SOLE   155,202 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 9,169 87,662 SH   SOLE   87,662 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,334 206,216 SH   SOLE   206,216 0 0
ISHARES TR CORE S&P MCP ETF 464287507 437 1,630 SH   SOLE   1,630 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,803 3,973 SH   SOLE   3,973 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,720 36,323 SH   SOLE   36,323 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 262 1,650 SH   SOLE   1,650 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,644 20,170 SH   SOLE   20,170 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 426 4,654 SH   SOLE   4,654 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 263 4,733 SH   SOLE   4,733 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 927 19,657 SH   SOLE   19,657 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 6,053 105,447 SH   SOLE   105,447 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,165 38,935 SH   SOLE   38,935 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 240 1,130 SH   SOLE   1,130 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,781 7,821 SH   SOLE   7,821 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 416 3,838 SH   SOLE   3,838 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 93,972 2,037,113 SH   SOLE   2,037,113 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 683 6,739 SH   SOLE   6,739 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 39,468 627,369 SH   SOLE   627,369 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,707 22,860 SH   SOLE   22,860 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 47,229 983,317 SH   SOLE   983,317 0 0