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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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
ISHARES TR MSCI ACWI ETF 464288257 4,128 31,322 SH   SOLE   28,339 0 2,983
ISHARES TR CORE US AGGBD ET 464287226 30,207 271,276 SH   SOLE   85,348 0 185,928
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,892 35,906 SH   SOLE   0 0 35,906
VANGUARD WORLD FD ESG US STK ETF 921910733 10,753 210,185 SH   SOLE   0 0 210,185
ISHARES INC MSCI CDA ETF 464286509 231 8,080 SH   SOLE   0 0 8,080
ISHARES INC MSCI STH AFR ETF 464286780 11,047 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TRUST GOLD SHS 78463V107 106,012 795,883 SH   SOLE   41,553 0 754,330
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 25,616 558,438 SH   SOLE   491,968 0 66,470
ISHARES TR US TREAS BD ETF 46429B267 11,665 451,876 SH   SOLE   0 0 451,876
ISHARES TR HDG MSCI EAFE 46434V803 2,790 93,577 SH   SOLE   93,577 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,581 117,075 SH   SOLE   0 0 117,075
ISHARES TR BARCLAYS 7 10 YR 464287440 13,364 121,473 SH   SOLE   121,473 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,933 31,486 SH   SOLE   0 0 31,486
ISHARES INC CORE MSCI EMKT 46434G103 26,969 524,284 SH   SOLE   118,095 0 406,189
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 506 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 55,592 188,608 SH   SOLE   117,728 0 70,880
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 6,556 18,488 SH   SOLE   18,488 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,067 13,882 SH   SOLE   0 0 13,882
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,799 17,885 SH   SOLE   0 0 17,885
ISHARES TR TIPS BD ETF 464287176 962 8,330 SH   SOLE   0 0 8,330
ISHARES TR 10-20 YR TRS ETF 464288653 4,598 32,130 SH   SOLE   0 0 32,130
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 5,324 54,957 SH   SOLE   0 0 54,957
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 173,414 4,057,313 SH   SOLE   504,566 0 3,552,747
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 919 18,015 SH   SOLE   0 0 18,015
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 8,933 135,413 SH   SOLE   0 0 135,413
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 20,360 232,948 SH   SOLE   92,482 0 140,466
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 12,877 95,587 SH   SOLE   0 0 95,587
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 12,409 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 84,415 313,634 SH   SOLE   16,548 0 297,086
VANGUARD WORLD FD ESG INTL STK ETF 921910725 3,633 72,778 SH   SOLE   0 0 72,778
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 129,812 1,727,142 SH   SOLE   340,042 0 1,387,100
VANGUARD INDEX FDS TOTAL STK MKT 922908769 18,869 125,721 SH   SOLE   0 0 125,721
VANGUARD INDEX FDS GROWTH ETF 922908736 50,223 307,383 SH   SOLE   144,095 0 163,288
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,652 556,125 SH   SOLE   37,576 0 518,549