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 21,713 214,581 SH   SOLE   0 0 214,581
ISHARES TR CORE US AGGBD ET 464287226 31,099 269,651 SH   SOLE   36,289 0 233,362
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,343 32,448 SH   SOLE   0 0 32,448
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,418 65,940 SH   SOLE   0 0 65,940
ISHARES TR MSCI EMG MKT ETF 464287234 899 16,298 SH   SOLE   0 0 16,298
ISHARES TR MSCI EAFE ETF 464287465 5,879 74,531 SH   SOLE   0 0 74,531
VANGUARD WORLD FD ESG US STK ETF 921910733 7,152 89,424 SH   SOLE   0 0 89,424
ISHARES INC MSCI CDA ETF 464286509 797 21,383 SH   SOLE   0 0 21,383
ISHARES INC MSCI STH AFR ETF 464286780 9,873 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TR GOLD SHS 78463V107 58,114 350,868 SH   SOLE   10,581 0 340,287
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,810 102,793 SH   SOLE   0 0 102,793
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 9,037 170,507 SH   SOLE   108,766 0 61,741
ISHARES TR US TREAS BD ETF 46429B267 18,716 703,618 SH   SOLE   0 0 703,618
ISHARES TR HDG MSCI EAFE 46434V803 432 12,476 SH   SOLE   12,476 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 39,353 340,744 SH   SOLE   132,715 0 208,029
ISHARES TR CORE MSCI EAFE 46432F842 3,011 40,221 SH   SOLE   0 0 40,221
ISHARES INC CORE MSCI EMKT 46434G103 57,513 858,528 SH   SOLE   151,144 0 707,384
ISHARES TR CORE S&P MCP ETF 464287507 27,903 103,833 SH   SOLE   0 0 103,833
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 747 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 53,206 123,757 SH   SOLE   67,138 0 56,619
ISHARES TR RUSSELL 2000 ETF 464287655 13,098 57,103 SH   SOLE   0 0 57,103
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,130 4,339 SH   SOLE   4,339 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,309 142,694 SH   SOLE   0 0 142,694
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,341 58,750 SH   SOLE   0 0 58,750
SPDR SER TR PORTFOLIO SHORT 78464A474 190 6,066 SH   SOLE   0 0 6,066
SPDR S&P 500 ETF TR TR UNIT 78462F103 45,494 106,280 SH   SOLE   0 0 106,280
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,687 72,309 SH   SOLE   0 0 72,309
ISHARES TR TIPS BD ETF 464287176 6,913 54,006 SH   SOLE   0 0 54,006
ISHARES TR 10-20 YR TRS ETF 464288653 4,525 30,796 SH   SOLE   0 0 30,796
ISHARES TR 20 YR TR BD ETF 464287432 8,240 57,083 SH   SOLE   0 0 57,083
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 191 2,304 SH   SOLE   0 0 2,304
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 60,007 1,164,731 SH   SOLE   242,768 0 921,963
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 34,707 395,752 SH   SOLE   0 0 395,752
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,213 129,805 SH   SOLE   54,343 0 75,462
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 15,847 79,126 SH   SOLE   0 0 79,126
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 11,236 161,437 SH   SOLE   0 0 161,437
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 206,104 523,744 SH   SOLE   50,267 0 473,477
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,500 85,741 SH   SOLE   0 0 85,741
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 179,974 1,737,036 SH   SOLE   312,695 0 1,424,341
VANGUARD INDEX FDS TOTAL STK MKT 922908769 62,832 281,986 SH   SOLE   0 0 281,986
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 20,437 389,950 SH   SOLE   276,415 0 113,535
VANGUARD INDEX FDS GROWTH ETF 922908736 59,492 207,428 SH   SOLE   94,836 0 112,592
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 65,470 1,205,487 SH   SOLE   21,733 0 1,183,754
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,813 58,047 SH   SOLE   0 0 58,047