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
ISHARES TR MSCI ACWI ETF 464288257 2,490 33,766 SH   SOLE   28,819 0 4,947
ISHARES TR CORE US AGGBD ET 464287226 37,312 329,695 SH   SOLE   108,219 0 221,476
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,901 35,906 SH   SOLE   0 0 35,906
VANGUARD WORLD FD EXTENDED DUR 921910709 5,813 41,140 SH   SOLE   0 0 41,140
VANGUARD WORLD FD ESG US STK ETF 921910733 9,400 181,087 SH   SOLE   0 0 181,087
ISHARES INC MSCI CDA ETF 464286509 933 32,290 SH   SOLE   0 0 32,290
ISHARES INC MSCI STH AFR ETF 464286780 9,588 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TRUST GOLD SHS 78463V107 89,242 642,632 SH   SOLE   41,553 0 601,079
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 31,966 742,178 SH   SOLE   502,984 0 239,194
ISHARES TR US TREAS BD ETF 46429B267 14,819 562,931 SH   SOLE   0 0 562,931
ISHARES TR HDG MSCI EAFE 46434V803 2,802 93,577 SH   SOLE   93,577 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,651 117,075 SH   SOLE   0 0 117,075
ISHARES TR BARCLAYS 7 10 YR 464287440 14,371 127,776 SH   SOLE   127,776 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,033 213,415 SH   SOLE   0 0 213,415
ISHARES INC CORE MSCI EMKT 46434G103 26,835 547,434 SH   SOLE   90,009 0 457,425
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 513 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 54,605 182,920 SH   SOLE   112,040 0 70,880
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,508 15,627 SH   SOLE   15,627 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,555 27,983 SH   SOLE   0 0 27,983
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,549 11,958 SH   SOLE   0 0 11,958
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,213 62,027 SH   SOLE   0 0 62,027
ISHARES TR TIPS BD ETF 464287176 1,448 12,448 SH   SOLE   0 0 12,448
ISHARES TR 10-20 YR TRS ETF 464288653 5,589 37,387 SH   SOLE   0 0 37,387
ISHARES INC MSCI WORLD ETF 464286392 6,966 75,897 SH   SOLE   0 0 75,897
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 4,518 44,675 SH   SOLE   0 0 44,675
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 183,908 4,476,824 SH   SOLE   664,469 0 3,812,355
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 899 18,015 SH   SOLE   0 0 18,015
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 8,012 120,181 SH   SOLE   0 0 120,181
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 25,131 270,044 SH   SOLE   98,736 0 171,308
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 13,003 95,587 SH   SOLE   0 0 95,587
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 12,502 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 80,515 323,574 SH   SOLE   16,548 0 307,026
VANGUARD WORLD FD ESG INTL STK ETF 921910725 6,088 123,539 SH   SOLE   0 0 123,539
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 113,884 1,522,109 SH   SOLE   325,437 0 1,196,672
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,869 118,335 SH   SOLE   0 0 118,335
VANGUARD INDEX FDS GROWTH ETF 922908736 51,112 350,581 SH   SOLE   187,293 0 163,288
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,866 688,164 SH   SOLE   37,576 0 650,588