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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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 13,905 221,440 SH   SOLE   0 0 221,440
ISHARES TR CORE US AGGBD ET 464287226 19,237 145,420 SH   SOLE   43,543 0 101,877
ALPS ETF TR ALERIAN MLP 00162Q866 2,443 396,097 SH   SOLE   0 0 396,097
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,387 97,647 SH   SOLE   0 0 97,647
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,959 38,964 SH   SOLE   0 0 38,964
VANGUARD WORLD FD EXTENDED DUR 921910709 5,232 31,454 SH   SOLE   0 0 31,454
ISHARES TR MSCI EMG MKT ETF 464287234 2,014 110,236 SH   SOLE   0 0 110,236
VANGUARD WORLD FD ESG US STK ETF 921910733 6,881 150,283 SH   SOLE   0 0 150,283
ISHARES INC MSCI CDA ETF 464286509 920 52,882 SH   SOLE   0 0 52,882
ISHARES INC MSCI STH AFR ETF 464286780 8,139 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TRUST GOLD SHS 78463V107 46,141 312,512 SH   SOLE   14,781 0 297,731
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 15,215 442,089 SH   SOLE   173,107 0 268,982
ISHARES TR US TREAS BD ETF 46429B267 19,288 688,654 SH   SOLE   0 0 688,654
ISHARES TR HDG MSCI EAFE 46434V803 2,265 93,577 SH   SOLE   93,577 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,818 187,005 SH   SOLE   0 0 187,005
ISHARES TR BARCLAYS 7 10 YR 464287440 15,834 119,854 SH   SOLE   119,854 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,521 144,080 SH   SOLE   0 0 144,080
ISHARES INC CORE MSCI EMKT 46434G103 38,621 1,031,312 SH   SOLE   66,857 0 964,455
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 522 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 46,160 164,231 SH   SOLE   104,525 0 59,706
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,362 10,174 SH   SOLE   10,174 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,702 191,050 SH   SOLE   0 0 191,050
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,592 67,055 SH   SOLE   0 0 67,055
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,904 29,775 SH   SOLE   0 0 29,775
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,196 62,027 SH   SOLE   0 0 62,027
ISHARES TR TIPS BD ETF 464287176 8,311 58,845 SH   SOLE   0 0 58,845
ISHARES TR 10-20 YR TRS ETF 464288653 4,491 23,206 SH   SOLE   0 0 23,206
ISHARES TR 20 YR TR BD ETF 464287432 256 1,636 SH   SOLE   0 0 1,636
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 4,351 44,675 SH   SOLE   0 0 44,675
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 163,718 4,552,231 SH   SOLE   447,396 0 4,104,835
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 25,111 262,369 SH   SOLE   0 0 262,369
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,149 205,195 SH   SOLE   51,041 0 154,154
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 11,187 95,423 SH   SOLE   0 0 95,423
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 9,754 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 179,065 815,258 SH   SOLE   74,037 0 741,221
VANGUARD WORLD FD ESG INTL STK ETF 921910725 6,333 153,901 SH   SOLE   0 0 153,901
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 257,796 4,002,913 SH   SOLE   242,918 0 3,759,995
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,521 109,631 SH   SOLE   0 0 109,631
VANGUARD MALVERN FDS VANGUARD MALVERN FDS 922020805 12,423 254,997 SH   SOLE   0 0 254,997
VANGUARD INDEX FDS GROWTH ETF 922908736 32,694 208,275 SH   SOLE   101,368 0 106,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,719 715,329 SH   SOLE   78,037 0 637,292
VANGUARD STAR FDS VG TL INTL STK F 921909768 21,000 420,127 SH   SOLE   0 0 420,127