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 AC ASIA ETF 464288182 2,611 33,832 SH   SOLE   0 0 33,832
ISHARES TR MSCI ACWI ETF 464288257 3,295 41,228 SH   SOLE   0 0 41,228
ISHARES TR CORE US AGGBD ET 464287226 33,412 231,114 SH   SOLE   33,225 0 197,889
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,957 17,495 SH   SOLE   0 0 17,495
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 20,705 234,693 SH   SOLE   0 0 234,693
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,784 57,598 SH   SOLE   0 0 57,598
VANGUARD WORLD FD EXTENDED DUR 921910709 5,208 31,454 SH   SOLE   0 0 31,454
ISHARES TR MSCI EMG MKT ETF 464287234 1,419 32,186 SH   SOLE   0 0 32,186
ISHARES TR MSCI EAFE ETF 464287465 15,776 247,848 SH   SOLE   0 0 247,848
VANGUARD WORLD FD ESG US STK ETF 921910733 5,445 86,615 SH   SOLE   0 0 86,615
ISHARES INC MSCI CDA ETF 464286509 586 21,383 SH   SOLE   0 0 21,383
ISHARES INC MSCI JPN ETF NEW 46434G822 1,024 17,343 SH   SOLE   0 0 17,343
ISHARES INC MSCI BRAZIL ETF 464286400 820 29,645 SH   SOLE   0 0 29,645
ISHARES INC MSCI STH AFR ETF 464286780 7,462 202,064 SH   SOLE   0 0 202,064
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1,699 43,397 SH   SOLE   0 0 43,397
SPDR GOLD TR GOLD SHS 78463V107 34,862 196,827 SH   SOLE   10,581 0 186,246
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 10,076 268,336 SH   SOLE   155,164 0 113,172
ISHARES TR US TREAS BD ETF 46429B267 17,971 642,974 SH   SOLE   0 0 642,974
ISHARES TR HDG MSCI EAFE 46434V803 710 25,779 SH   SOLE   25,779 0 0
ISHARES GOLD TRUST ISHARES 464285105 10,443 580,509 SH   SOLE   0 0 580,509
ISHARES TR BARCLAYS 7 10 YR 464287440 16,276 133,610 SH   SOLE   133,610 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,723 45,176 SH   SOLE   0 0 45,176
ISHARES INC CORE MSCI EMKT 46434G103 26,105 494,408 SH   SOLE   65,152 0 429,256
ISHARES TR GLB INFRASTR ETF 464288372 846 21,928 SH   SOLE   0 0 21,928
ISHARES TR MSCI INDIA ETF 46429B598 1,076 31,785 SH   SOLE   0 0 31,785
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 564 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 44,185 131,480 SH   SOLE   72,604 0 58,876
ISHARES TR RUS 1000 VAL ETF 464287598 967 8,184 SH   SOLE   0 0 8,184
ISHARES TR RUS 1000 GRW ETF 464287614 1,569 7,234 SH   SOLE   0 0 7,234
ISHARES TR RUSSELL 2000 ETF 464287655 3,463 23,121 SH   SOLE   0 0 23,121
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,137 9,258 SH   SOLE   9,258 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,434 12,360 SH   SOLE   0 0 12,360
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,839 74,542 SH   SOLE   0 0 74,542
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,722 44,166 SH   SOLE   0 0 44,166
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,231 20,973 SH   SOLE   0 0 20,973
SPDR S&P 500 ETF TR TR UNIT 78462F103 42,902 128,107 SH   SOLE   0 0 128,107
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,455 62,027 SH   SOLE   0 0 62,027
ISHARES TR TIPS BD ETF 464287176 3,575 28,258 SH   SOLE   0 0 28,258
ISHARES TR 10-20 YR TRS ETF 464288653 28,090 168,721 SH   SOLE   0 0 168,721
ISHARES TR 20 YR TR BD ETF 464287432 1,507 9,233 SH   SOLE   0 0 9,233
ISHARES TR MSCI USA MIN VOL 46429B697 6,800 106,755 SH   SOLE   106,755 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 80,713 1,973,425 SH   SOLE   369,600 0 1,603,825
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 2,483 42,448 SH   SOLE   0 0 42,448
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 29,837 299,383 SH   SOLE   0 0 299,383
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,598 210,210 SH   SOLE   57,399 0 152,811
VANGUARD INDEX FDS MID CAP ETF 922908629 5,642 32,012 SH   SOLE   0 0 32,012
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 12,652 81,733 SH   SOLE   0 0 81,733
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 11,537 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 174,442 567,016 SH   SOLE   63,417 0 503,599
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,651 108,275 SH   SOLE   0 0 108,275
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 220,405 2,733,202 SH   SOLE   241,596 0 2,491,606
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,332 95,898 SH   SOLE   0 0 95,898
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 13,010 254,997 SH   SOLE   0 0 254,997
VANGUARD INDEX FDS VALUE ETF 922908744 1,834 17,550 SH   SOLE   0 0 17,550
VANGUARD INDEX FDS GROWTH ETF 922908736 46,879 205,964 SH   SOLE   99,057 0 106,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 48,266 1,116,243 SH   SOLE   23,134 0 1,093,109
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,778 92,748 SH   SOLE   0 0 92,748
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,183 30,177 SH   SOLE   0 0 30,177