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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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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 9,283 125,927 SH   SOLE   0 0 125,927
ISHARES TR CORE US AGGBD ET 464287226 31,072 262,858 SH   SOLE   53,772 0 209,086
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 18,769 212,474 SH   SOLE   0 0 212,474
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,239 38,964 SH   SOLE   0 0 38,964
VANGUARD WORLD FD EXTENDED DUR 921910709 5,222 31,454 SH   SOLE   0 0 31,454
ISHARES TR MSCI EAFE ETF 464287465 19,060 313,120 SH   SOLE   0 0 313,120
VANGUARD WORLD FD ESG US STK ETF 921910733 6,266 111,124 SH   SOLE   0 0 111,124
ISHARES INC MSCI CDA ETF 464286509 553 21,383 SH   SOLE   0 0 21,383
ISHARES INC MSCI STH AFR ETF 464286780 7,121 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TR GOLD SHS 78463V107 45,061 269,227 SH   SOLE   14,781 0 254,446
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 11,571 313,332 SH   SOLE   155,164 0 158,168
ISHARES TR US TREAS BD ETF 46429B267 18,184 649,665 SH   SOLE   0 0 649,665
ISHARES TR HDG MSCI EAFE 46434V803 1,209 43,814 SH   SOLE   43,814 0 0
ISHARES GOLD TRUST ISHARES 464285105 7,353 432,766 SH   SOLE   0 0 432,766
ISHARES TR BARCLAYS 7 10 YR 464287440 14,242 116,863 SH   SOLE   116,863 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,420 59,839 SH   SOLE   0 0 59,839
ISHARES INC CORE MSCI EMKT 46434G103 21,939 460,895 SH   SOLE   69,122 0 391,773
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 514 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 42,278 136,517 SH   SOLE   77,641 0 58,876
ISHARES TR RUS 1000 GRW ETF 464287614 13,406 69,842 SH   SOLE   0 0 69,842
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,864 191,050 SH   SOLE   0 0 191,050
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 790 13,435 SH   SOLE   0 0 13,435
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,309 85,318 SH   SOLE   0 0 85,318
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,351 62,027 SH   SOLE   0 0 62,027
ISHARES TR TIPS BD ETF 464287176 7,270 59,103 SH   SOLE   0 0 59,103
ISHARES TR 10-20 YR TRS ETF 464288653 28,995 173,261 SH   SOLE   0 0 173,261
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 96,820 2,495,999 SH   SOLE   353,846 0 2,142,153
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 28,415 283,870 SH   SOLE   0 0 283,870
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,325 182,417 SH   SOLE   51,041 0 131,376
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 12,561 88,504 SH   SOLE   0 0 88,504
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 10,992 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 157,904 557,119 SH   SOLE   64,523 0 492,596
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,208 108,275 SH   SOLE   0 0 108,275
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 198,089 2,648,242 SH   SOLE   170,787 0 2,477,455
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,011 95,898 SH   SOLE   0 0 95,898
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 12,793 254,997 SH   SOLE   0 0 254,997
VANGUARD INDEX FDS VALUE ETF 922908744 2,028 20,359 SH   SOLE   0 0 20,359
VANGUARD INDEX FDS GROWTH ETF 922908736 42,090 208,275 SH   SOLE   101,368 0 106,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 39,995 1,009,722 SH   SOLE   20,814 0 988,908
VANGUARD STAR FDS VG TL INTL STK F 921909768 507 10,307 SH   SOLE   0 0 10,307