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
AGILENT TECHNOLOGIES INC COM COM 00846U101 261 4,941 SH   SOLE 0 0 0 4,941
ALPHABET INC CAP STK CL A COM 02079K305 325 383 SH   SOLE 0 0 0 383
ALPHABET INC CAP STK CL C COM 02079K107 272 328 SH   SOLE 0 0 0 328
AMGEN INC COM COM 031162100 398 2,429 SH   SOLE 0 0 0 2,429
APPLE INC COM COM 037833100 1,450 10,097 SH   SOLE 0 0 0 10,097
BERKSHIRE HATHAWAY INC DEL CL B NEW COM 084670702 650 3,899 SH   SOLE 0 0 0 3,899
CHEVRON CORP NEW COM COM 166764100 627 5,844 SH   SOLE 0 0 0 5,844
CITIGROUP INC COM NEW COM 172967424 451 7,535 SH   SOLE 0 0 0 7,535
COBIZ FINANCIAL INC COM COM 190897108 241 14,356 SH   SOLE 0 0 0 14,356
COCA COLA CO COM COM 191216100 1,184 27,903 SH   SOLE 0 0 0 27,903
CVS HEALTH CORP COM COM 126650100 206 2,627 SH   SOLE 0 0 0 2,627
DANAHER CORP DEL COM COM 235851102 326 3,807 SH   SOLE 0 0 0 3,807
DBX ETF TR XTRAK MSCI EAFE EQUITY ETF 233051200 208 7,046 SH   SOLE 0 0 0 7,046
DELL TECHNOLOGIES INC COM CL V COM 24703L103 367 5,727 SH   SOLE 0 0 0 5,727
DISNEY WALT CO COM DISNEY COM 254687106 1,165 10,278 SH   SOLE 0 0 0 10,278
DU PONT E I DE NEMOURS & CO COM COM 263534109 235 2,925 SH   SOLE 0 0 0 2,925
ENTERPRISE PRODS PARTNERS L COM COM 293792107 212 7,693 SH   SOLE 0 0 0 7,693
EXXON MOBIL CORP COM COM 30231G102 1,173 14,309 SH   SOLE 0 0 0 14,309
GENERAL ELECTRIC CO COM COM 369604103 1,046 35,111 SH   SOLE 0 0 0 35,111
GRAINGER W W INC COM COM 384802104 396 1,703 SH   SOLE 0 0 0 1,703
HALLIBURTON CO COM COM 406216101 295 5,996 SH   SOLE 0 0 0 5,996
HOSPITALITY PPTYS TR COM SH BEN INT COM 44106M102 310 9,835 SH   SOLE 0 0 0 9,835
ILLINOIS TOOL WKS INC COM COM 452308109 207 1,561 SH   SOLE 0 0 0 1,561
INTEL CORP COM COM 458140100 279 7,733 SH   SOLE 0 0 0 7,733
INTERNATIONAL BUSINESS MACHS COM COM 459200101 695 3,992 SH   SOLE 0 0 0 3,992
ISHARES GOLD TRUST ISHARES GOLD ETF 464285105 2,808 233,787 SH   SOLE 0 0 0 233,787
ISHARES INC CORE MSCI EMKT EQUITY ETF 46434G103 9,938 207,949 SH   SOLE 0 0 0 207,949
ISHARES TR CORE MSCI EAFE EQUITY ETF 46432F842 29,949 516,810 SH   SOLE 0 0 0 516,810
ISHARES TR CORE S&P MCP ETF EQUITY ETF 464287507 10,216 59,664 SH   SOLE 0 0 0 59,664
ISHARES TR CORE S&P500 ETF EQUITY ETF 464287200 33,802 142,463 SH   SOLE 0 0 0 142,463
ISHARES TR CORE US AGGBD ET BOND ETF 464287226 1,524 14,046 SH   SOLE 0 0 0 14,046
ISHARES TR EAFE GRWTH ETF EQUITY ETF 464288885 752 10,815 SH   SOLE 0 0 0 10,815
ISHARES TR MSCI ACWI ETF EQUITY ETF 464288257 1,747 27,609 SH   SOLE 0 0 0 27,609
ISHARES TR MSCI EAFE ETF EQUITY ETF 464287465 23,595 378,792 SH   SOLE 0 0 0 378,792
ISHARES TR MSCI EMG MKT ETF EQUITY ETF 464287234 5,298 134,510 SH   SOLE 0 0 0 134,510
ISHARES TR RUSSELL 2000 ETF EQUITY ETF 464287655 7,511 54,630 SH   SOLE 0 0 0 54,630
ISHARES TR TIPS BD ETF BOND ETF 464287176 325 2,834 SH   SOLE 0 0 0 2,834
JOHNSON & JOHNSON COM COM 478160104 480 3,851 SH   SOLE 0 0 0 3,851
JPMORGAN CHASE & CO COM COM 46625H100 429 4,889 SH   SOLE 0 0 0 4,889
LILLY ELI & CO COM COM 532457108 399 4,747 SH   SOLE 0 0 0 4,747
MERCK & CO INC COM COM 58933Y105 283 4,453 SH   SOLE 0 0 0 4,453
MICROSOFT CORP COM COM 594918104 261 3,965 SH   SOLE 0 0 0 3,965
PEPSICO INC COM COM 713448108 580 5,182 SH   SOLE 0 0 0 5,182
PFIZER INC COM COM 717081103 444 12,972 SH   SOLE 0 0 0 12,972
PIEDMONT OFFICE REALTY TR IN COM CL A COM 720190206 1,069 49,996 SH   SOLE 0 0 0 49,996
POWERSHARES ETF TR II PWRSHS SP500 LOW EQUITY ETF 73937B654 267 6,600 SH   SOLE 0 0 0 6,600
PRAXAIR INC COM COM 74005P104 624 5,265 SH   SOLE 0 0 0 5,265
PROCTER AND GAMBLE CO COM COM 742718109 1,807 20,112 SH   SOLE 0 0 0 20,112
REYNOLDS AMERICAN INC COM COM 761713106 368 5,832 SH   SOLE 0 0 0 5,832
SCHWAB STRATEGIC TR EMRG MKTEQ ETF EQUITY ETF 808524706 1,667 69,541 SH   SOLE 0 0 0 69,541
SCHWAB STRATEGIC TR INTL EQTY ETF EQUITY ETF 808524805 3,050 102,121 SH   SOLE 0 0 0 102,121
SCHWAB STRATEGIC TR INTL SCEQT ETF EQUITY ETF 808524888 332 10,583 SH   SOLE 0 0 0 10,583
SCHWAB STRATEGIC TR US AGGREGATE B BOND ETF 808524839 14,729 284,406 SH   SOLE 0 0 0 284,406
SCHWAB STRATEGIC TR US BRD MKT ETF EQUITY ETF 808524102 1,181 20,697 SH   SOLE 0 0 0 20,697
SCHWAB STRATEGIC TR US LRG CAP ETF EQUITY ETF 808524201 512 9,100 SH   SOLE 0 0 0 9,100
SPDR GOLD TRUST GOLD SHS GOLD ETF 78463V107 1,277 10,760 SH   SOLE 0 0 0 10,760
SPDR S&P 500 ETF TR TR UNIT EQUITY ETF 78462F103 17,283 73,314 SH   SOLE 0 0 0 73,314
SPDR SER TR NUVEEN BLMBRG SR BOND ETF 78468R739 4,040 83,398 SH   SOLE 0 0 0 83,398
SPDR SER TR NUVEEN BRC MUNIC BOND ETF 78468R721 2,734 57,051 SH   SOLE 0 0 0 57,051
SPDR SERIES TRUST S&P REGL BKG EQUITY ETF 78464A698 269 4,925 SH   SOLE 0 0 0 4,925
SWEDISH EXPT CR CORP ROG AGRI ETN22 COM 870297603 138 22,000 SH   SOLE 0 0 0 22,000
TRAVELERS COMPANIES INC COM COM 89417E109 827 6,864 SH   SOLE 0 0 0 6,864
US BANCORP DEL COM NEW COM 902973304 205 3,973 SH   SOLE 0 0 0 3,973
V F CORP COM COM 918204108 589 10,714 SH   SOLE 0 0 0 10,714
VANGUARD CHARLOTTE FDS INTL BD IDX ETF BOND ETF 92203J407 540 9,985 SH   SOLE 0 0 0 9,985
VANGUARD INDEX FDS LARGE CAP ETF EQUITY ETF 922908637 351 3,250 SH   SOLE 0 0 0 3,250
VANGUARD INDEX FDS MID CAP ETF EQUITY ETF 922908629 301 2,162 SH   SOLE 0 0 0 2,162
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF EQUITY ETF 922042858 461 11,613 SH   SOLE 0 0 0 11,613
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF EQUITY ETF 922042742 306 4,699 SH   SOLE 0 0 0 4,699
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF EQUITY ETF 921943858 3,702 94,210 SH   SOLE 0 0 0 94,210