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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE US AGGBD ET 464287226   45,532,549 464,855 SH   SOLE   105,413 0 359,442
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,879,719 130,736 SH   SOLE   0 0 130,736
ISHARES TR RUS 1000 VAL ETF 464287598   16,221,610 102,779 SH   SOLE   0 0 102,779
VANGUARD WORLD FD ESG US STK ETF 921910733   2,993,597 38,208 SH   SOLE   0 0 38,208
SPDR GOLD TR GOLD SHS 78463V107   34,411,993 193,033 SH   SOLE   0 0 193,033
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   12,698,078 189,254 SH   SOLE   127,749 0 61,505
VANGUARD WORLD FDS ENERGY ETF 92204A306   3,722,209 32,972 SH   SOLE   0 0 32,972
ISHARES TR BARCLAYS 7 10 YR 464287440   23,012,922 238,229 SH   SOLE   12,881 0 225,348
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   550,616 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   8,809,904 19,766 SH   SOLE   0 0 19,766
ISHARES TR RUSSELL 2000 ETF 464287655   4,536,616 24,225 SH   SOLE   0 0 24,225
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   19,512 406 SH   SOLE   0 0 406
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   906,210 18,389 SH   SOLE   0 0 18,389
SPDR S&P 500 ETF TR TR UNIT 78462F103   46,362,212 104,589 SH   SOLE   0 0 104,589
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,317,160 64,725 SH   SOLE   0 0 64,725
ISHARES TR TIPS BD ETF 464287176   9,984,876 92,779 SH   SOLE   0 0 92,779
ISHARES TR 20 YR TR BD ETF 464287432   6,664,233 64,739 SH   SOLE   0 0 64,739
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   85,052,293 1,841,756 SH   SOLE   386,979 0 1,454,777
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   46,917,604 738,511 SH   SOLE   0 0 738,511
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,135,013 61,453 SH   SOLE   36,419 0 25,034
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   5,100,073 25,303 SH   SOLE   0 0 25,303
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   23,568,496 340,536 SH   SOLE   0 0 340,536
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   383,981,547 942,795 SH   SOLE   116,371 0 826,424
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   238,927,688 2,463,680 SH   SOLE   150,174 0 2,313,506
VANGUARD INDEX FDS TOTAL STK MKT 922908769   76,962,969 349,387 SH   SOLE   0 0 349,387
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   55,723,621 1,175,108 SH   SOLE   350,856 0 824,252
VANGUARD INDEX FDS VALUE ETF 922908744   5,705,457 40,151 SH   SOLE   0 0 40,151
VANGUARD INDEX FDS GROWTH ETF 922908736   45,366,977 160,330 SH   SOLE   77,248 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   57,654,340 1,417,265 SH   SOLE   12,556 0 1,404,709
ISHARES TR CORE S&P SCP ETF 464287804   5,617,470 56,372 SH   SOLE   0 0 56,372
ISHARES GOLD TR ISHARES NEW 464285204   12,811,901 352,072 SH   SOLE   8,156 0 343,916
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664   2,337,717 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   19,316,445 329,295 SH   SOLE   0 0 329,295
ISHARES TR CRE U S REIT ETF 464288521   4,118,969 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267   15,711,392 686,087 SH   SOLE   0 0 686,087
ISHARES TR 1 3 YR TREAS BD 464287457   2,984,393 36,808 SH   SOLE   0 0 36,808
VANGUARD WORLD FD ESG INTL STK ETF 921910725   6,055,709 114,022 SH   SOLE   0 0 114,022
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   174,321 2,304 SH   SOLE   0 0 2,304
VANECK ETF TRUST GOLD MINERS ETF 92189F106   435,842 14,475 SH   SOLE   0 0 14,475
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,678,259 50,602 SH   SOLE   0 0 50,602
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,957,674 51,396 SH   SOLE   0 0 51,396