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
ARRAY BIOPHARMA INC COM COM 04269X105 10,000 68 SH   SOLE 0 0 0 68
AGILENT TECHNOLOGIES INC COM COM 00846U101 5,089 240 SH   SOLE 0 0 0 240
ALPHABET INC CAP STK CL A COM 02079K305 282 227 SH   SOLE 0 0 0 227
ALPHABET INC CAP STK CL C COM 02079K107 293 228 SH   SOLE 0 0 0 228
AMGEN INC COM COM 31162100 2,101 350 SH   SOLE 0 0 0 350
APPLE INC COM COM 37833100 10,082 1,140 SH   SOLE 0 0 0 1,140
BERKSHIRE HATHAWAY INC DEL CL B NEW COM 84670702 4,318 624 SH   SOLE 0 0 0 624
BP PLC SPONSORED ADR COM 55622104 5,702 200 SH   SOLE 0 0 0 200
CAMBRIA ETF TR SHSHLD YIELD ETF EQUITY ETF 132061201 21,369 642 SH   SOLE 0 0 0 642
CHEVRON CORP NEW COM COM 166764100 5,873 604 SH   SOLE 0 0 0 604
CITIGROUP INC COM NEW COM 172967424 7,483 353 SH   SOLE 0 0 0 353
COBIZ FINANCIAL INC COM COM 190897108 16,750 223 SH   SOLE 0 0 0 223
COCA COLA CO COM COM 191216100 29,278 1,239 SH   SOLE 0 0 0 1,239
CVS HEALTH CORP COM COM 126650100 3,012 268 SH   SOLE 0 0 0 268
DANAHER CORP DEL COM COM 235851102 3,796 298 SH   SOLE 0 0 0 298
DELL TECHNOLOGIES INC COM CL V ADDED COM 24703L103 5,520 264 SH   SOLE 0 0 0 264
DISNEY WALT CO COM DISNEY COM 254687106 10,231 950 SH   SOLE 0 0 0 950
DU PONT E I DE NEMOURS & CO COM COM 263534109 3,145 211 SH   SOLE 0 0 0 211
EXXON MOBIL CORP COM COM 30231G102 16,417 1,433 SH   SOLE 0 0 0 1,433
GENERAL ELECTRIC CO COM COM 369604103 36,305 1,075 SH   SOLE 0 0 0 1,075
GRAINGER W W INC COM COM 384802104 2,225 500 SH   SOLE 0 0 0 500
HALLADOR ENERGY COMPANY COM COM 40609P105 139,090 1,096 SH   SOLE 0 0 0 1,096
HALLIBURTON CO COM COM 406216101 6,600 296 SH   SOLE 0 0 0 296
HOSPITALITY PPTYS TR COM SH BEN INT COM 44106M102 10,000 297 SH   SOLE 0 0 0 297
INTEL CORP COM COM 458140100 7,342 277 SH   SOLE 0 0 0 277
INTERNATIONAL BUSINESS MACHS COM COM 459200101 3,873 615 SH   SOLE 0 0 0 615
ISHARES GOLD TRUST ISHARES GOLD ETF 464285105 223,818 2,840 SH   SOLE 0 0 0 2,840
ISHARES TR CORE S&P MCP ETF EQUITY ETF 464287507 59,924 9,271 SH   SOLE 0 0 0 9,271
ISHARES TR CORE S&P500 ETF EQUITY ETF 464287200 141,481 30,781 SH   SOLE 0 0 0 30,781
ISHARES TR CORE US AGGBD ET BOND ETF 464287226 4,255 478 SH   SOLE 0 0 0 478
ISHARES TR EAFE GRWTH ETF EQUITY ETF 464288885 11,544 789 SH   SOLE 0 0 0 789
ISHARES TR MSCI ACWI ETF EQUITY ETF 464288257 26,846 1,587 SH   SOLE 0 0 0 1,587
ISHARES TR MSCI EAFE ETF EQUITY ETF 464287465 823,612 48,700 SH   SOLE 0 0 0 48,700
ISHARES TR MSCI EMG MKT ETF EQUITY ETF 464287234 304,563 11,406 SH   SOLE 0 0 0 11,406
ISHARES TR RUSSELL 2000 ETF EQUITY ETF 464287655 78,298 9,725 SH   SOLE 0 0 0 9,725
ISHARES TR TIPS BD ETF BOND ETF 464287176 3,033 353 SH   SOLE 0 0 0 353
JOHNSON & JOHNSON COM COM 478160104 4,183 494 SH   SOLE 0 0 0 494
JPMORGAN CHASE & CO COM COM 46625H100 4,832 322 SH   SOLE 0 0 0 322
LILLY ELI & CO COM COM 532457108 4,780 384 SH   SOLE 0 0 0 384
MERCK & CO INC COM COM 58933Y105 4,936 308 SH   SOLE 0 0 0 308
PEPSICO INC COM COM 713448108 4,868 529 SH   SOLE 0 0 0 529
PFIZER INC COM COM 717081103 12,531 424 SH   SOLE 0 0 0 424
PIEDMONT OFFICE REALTY TR IN COM CL A COM 720190206 49,996 1,088 SH   SOLE 0 0 0 1,088
PRAXAIR INC COM COM 74005P104 5,379 650 SH   SOLE 0 0 0 650
PROCTER AND GAMBLE CO COM COM 742718109 19,844 1,781 SH   SOLE 0 0 0 1,781
REYNOLDS AMERICAN INC COM COM 761713106 5,728 270 SH   SOLE 0 0 0 270
SCHWAB STRATEGIC TR EMRG MKTEQ ETF EQUITY ETF 808524706 24,762 571 SH   SOLE 0 0 0 571
SCHWAB STRATEGIC TR INTL EQTY ETF EQUITY ETF 808524805 73,564 2,118 SH   SOLE 0 0 0 2,118
SCHWAB STRATEGIC TR US AGGREGATE B BOND ETF 808524839 164,416 8,824 SH   SOLE 0 0 0 8,824
SCHWAB STRATEGIC TR US BRD MKT ETF EQUITY ETF 808524102 19,176 1,003 SH   SOLE 0 0 0 1,003
SCHWAB STRATEGIC TR US LRG CAP ETF EQUITY ETF 808524201 13,150 679 SH   SOLE 0 0 0 679
SPDR GOLD TRUST GOLD SHS GOLD ETF 78463V107 3,680 462 SH   SOLE 0 0 0 462
SPDR S&P 500 ETF TR TR UNIT EQUITY ETF 78462F103 78,096 16,892 SH   SOLE 0 0 0 16,892
SPDR SER TR NUVN BR SHT MUNI BOND ETF 78468R739 76,066 3,716 SH   SOLE 0 0 0 3,716
SPDR SER TR NUVN BRCLY MUNI BOND ETF 78468R721 76,457 3,829 SH   SOLE 0 0 0 3,829
SPROTT PHYSICAL PLAT PALLAD UNIT PALLADIUM ETF 85207Q104 14,803 114 SH   SOLE 0 0 0 114
SWEDISH EXPT CR CORP ROG AGRI ETN22 COM 870297603 22,000 136 SH   SOLE 0 0 0 136
TRAVELERS COMPANIES INC COM COM 89417E109 6,427 736 SH   SOLE 0 0 0 736
V F CORP COM COM 918204108 10,452 586 SH   SOLE 0 0 0 586
VANGUARD BD INDEX FD INC SHORT TRM BOND BOND ETF 921937827 7,009 567 SH   SOLE 0 0 0 567
VANGUARD CHARLOTTE FDS INTL BD IDX ETF BOND ETF 92203J407 9,491 532 SH   SOLE 0 0 0 532
VANGUARD INDEX FDS LARGE CAP ETF EQUITY ETF 922908637 3,250 322 SH   SOLE 0 0 0 322
VANGUARD INDEX FDS MID CAP ETF EQUITY ETF 922908629 2,719 352 SH   SOLE 0 0 0 352
VANGUARD INDEX FDS SMALL CP ETF EQUITY ETF 922908751 1,724 211 SH   SOLE 0 0 0 211
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF EQUITY ETF 922042858 11,405 429 SH   SOLE 0 0 0 429
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF EQUITY ETF 922042742 3,649 222 SH   SOLE 0 0 0 222
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF EQUITY ETF 921943858 94,623 3,540 SH   SOLE 0 0 0 3,540
WISDOMTREE TR INTL SMCAP DIV EQUITY ETF 97717W760 7,200 442 SH   SOLE 0 0 0 442
WISDOMTREE TR MIDCAP DIVI FD EQUITY ETF 97717W505 11,750 1,068 SH   SOLE 0 0 0 1,068