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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI ACWI ETF 464288257   25,396,993 278,598 SH   SOLE   0 0 278,598
ISHARES TR CORE US AGGBD ET 464287226   52,439,836 526,293 SH   SOLE   108,428 0 417,865
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,999,997 130,736 SH   SOLE   0 0 130,736
ISHARES TR RUS 1000 VAL ETF 464287598   15,649,130 102,779 SH   SOLE   0 0 102,779
VANGUARD WORLD FD ESG US STK ETF 921910733   5,038,273 70,259 SH   SOLE   0 0 70,259
SPDR GOLD TR GOLD SHS 78463V107   35,367,506 193,033 SH   SOLE   0 0 193,033
WORLD GOLD TR SPDR GLD MINIS 98149E204   2,010,098 51,396 SH   SOLE   0 0 51,396
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   12,738,491 223,130 SH   SOLE   127,749 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,205,667 19,309 SH   SOLE   0 0 19,309
ISHARES TR BARCLAYS 7 10 YR 464287440   23,613,259 238,229 SH   SOLE   12,881 0 225,348
ISHARES TR CORE MSCI EAFE 46432F842   28,038,830 419,429 SH   SOLE   0 0 419,429
ISHARES INC CORE MSCI EMKT 46434G103   26,527,415 543,706 SH   SOLE   11,661 0 532,045
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   560,594 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   8,125,407 19,766 SH   SOLE   0 0 19,766
ISHARES TR RUSSELL 2000 ETF 464287655   4,321,740 24,225 SH   SOLE   0 0 24,225
ISHARES TR MSCI USA MIN VOL 46429B697   4,200,928 59,435 SH   SOLE   59,435 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,424,521 49,693 SH   SOLE   0 0 49,693
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,000,632 19,842 SH   SOLE   0 0 19,842
SPDR S&P 500 ETF TR TR UNIT 78462F103   42,213,023 103,112 SH   SOLE   0 0 103,112
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,378,245 23,967 SH   SOLE   0 0 23,967
ISHARES TR TIPS BD ETF 464287176   7,513,979 68,154 SH   SOLE   0 0 68,154
ISHARES TR 20 YR TR BD ETF 464287432   6,886,287 64,739 SH   SOLE   0 0 64,739
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   72,157,045 1,597,455 SH   SOLE   349,005 0 1,248,450
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   44,627,573 681,233 SH   SOLE   0 0 681,233
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,405,771 53,056 SH   SOLE   36,419 0 16,637
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,714,708 25,303 SH   SOLE   0 0 25,303
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   16,886,027 252,747 SH   SOLE   0 0 252,747
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   368,475,643 979,806 SH   SOLE   120,581 0 859,225
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   223,253,695 2,424,299 SH   SOLE   138,484 0 2,285,815
VANGUARD INDEX FDS TOTAL STK MKT 922908769   45,221,417 221,565 SH   SOLE   0 0 221,565
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   49,403,033 1,033,104 SH   SOLE   288,016 0 745,088
VANGUARD INDEX FDS VALUE ETF 922908744   5,545,255 40,151 SH   SOLE   0 0 40,151
VANGUARD INDEX FDS GROWTH ETF 922908736   39,992,715 160,330 SH   SOLE   77,248 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   51,896,507 1,284,567 SH   SOLE   15,374 0 1,269,193
ISHARES TR CORE S&P SCP ETF 464287804   5,451,173 56,372 SH   SOLE   0 0 56,372
ISHARES GOLD TR ISHARES NEW 464285204   9,094,998 243,377 SH   SOLE   8,156 0 235,221
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664   2,228,281 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   2,862,011 47,732 SH   SOLE   0 0 47,732
ISHARES TR CRE U S REIT ETF 464288521   4,038,048 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267   21,056,893 900,637 SH   SOLE   0 0 900,637
ISHARES TR 1 3 YR TREAS BD 464287457   299,911 3,655 SH   SOLE   0 0 3,655
ISHARES INC MSCI CDA ETF 464286509   824,695 24,128 SH   SOLE   0 0 24,128
ISHARES TR ESG AW MSCI EAFE 46435G516   310,995 4,329 SH   SOLE   0 0 4,329
ISHARES TR ESG AWR MSCI USA 46435G425   411,005 4,544 SH   SOLE   0 0 4,544