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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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI AC ASIA ETF 464288182 3,537 46,364 SH   SOLE   46,364 0 0
ISHARES TR CORE US AGGBD ET 464287226 18,222 166,670 SH   SOLE   74,626 0 92,044
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 443 5,600 SH   SOLE   0 0 5,600
CITIGROUP INC A 19WTS WARRANTS *W EXP 01/04/2019 172967226 34 338,600 SH   SOLE   338,600 0 0
ISHARES TR JP MOR EM MK ETF 464288281 46,181 397,768 SH   SOLE   0 0 397,768
ISHARES MSCI CDA ETF 464286509 729 24,599 SH   SOLE   0 0 24,599
ISHARES MSCI STH AFR ETF 464286780 17,085 244,103 SH   SOLE   0 0 244,103
SPDR GOLD TRUST GOLD SHS 78463V107 75,743 612,559 SH   SOLE   65,660 0 546,899
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 64,630 1,317,096 SH   SOLE   446,574 0 870,522
ISHARES TR CORE US TR BD 46429B267 7,497 298,904 SH   SOLE   0 0 298,904
ISHARES TR HDG MSCI EAFE 46434V803 6,999 235,763 SH   SOLE   235,763 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 5,332 50,509 SH   SOLE   50,509 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,928 44,306 SH   SOLE   0 0 44,306
ISHARES 3-7 YR TR BD ETF 464288661 146,816 1,201,830 SH   SOLE   0 0 1,201,830
ISHARES TR CORE S&P500 ETF 464287200 20,091 74,730 SH   SOLE   67,485 0 7,245
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 14,741 42,678 SH   SOLE   34,003 0 8,675
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,866 6,991 SH   SOLE   0 0 6,991
ISHARES TR 10-20 YR TRS ETF 464288653 3,889 28,595 SH   SOLE   0 0 28,595
ISHARES TR 20+ YR TR BD ETF 464287432 2,268 17,876 SH   SOLE   0 0 17,876
VANGUARD SCOTTSDALE FDS INT TERM CORP 92206C870 18,171 207,930 SH   SOLE   0 0 207,930
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 88,998 1,122,301 SH   SOLE   0 0 1,122,301
VANGUARD WORLD FDS ENERGY ETF 92204A306 3,619 36,572 SH   SOLE   36,572 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 80,269 1,789,319 SH   SOLE   430,410 0 1,358,909
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 35,206 671,363 SH   SOLE   0 0 671,363
VANGUARD INDEX FDS REIT ETF 922908553 7,230 87,134 SH   SOLE   33,495 0 53,639
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 15,519 142,950 SH   SOLE   0 0 142,950
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 66,500 271,109 SH   SOLE   73,579 0 197,530
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 62,175 837,255 SH   SOLE   51,677 0 785,578
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,849 13,474 SH   SOLE   0 0 13,474
VANGUARD INDEX FDS GROWTH ETF 922908736 39,929 283,886 SH   SOLE   144,095 0 139,791
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 32,669 711,595 SH   SOLE   192,581 0 519,014
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 37,854 523,860 SH   SOLE   0 0 523,860