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 17,831 212,556 SH   SOLE   0 0 212,556
ISHARES TR CORE US AGGBD ET 464287226 61,084 600,751 SH   SOLE   122,461 0 478,290
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,951 90,525 SH   SOLE   0 0 90,525
ISHARES TR MSCI EAFE ETF 464287465 383 6,130 SH   SOLE   0 0 6,130
VANGUARD WORLD FD ESG US STK ETF 921910733 5,098 76,772 SH   SOLE   0 0 76,772
ISHARES INC MSCI CDA ETF 464286509 748 22,198 SH   SOLE   0 0 22,198
ISHARES INC MSCI STH AFR ETF 464286780 10,263 241,534 SH   SOLE   0 0 241,534
SPDR GOLD TR GOLD SHS 78463V107 40,093 237,998 SH   SOLE   0 0 237,998
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 8,079 155,091 SH   SOLE   64,553 0 90,538
ISHARES TR HDG MSCI EAFE 46434V803 397 12,476 SH   SOLE   12,476 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 24,371 238,229 SH   SOLE   12,881 0 225,348
ISHARES TR CORE MSCI EAFE 46432F842 8,202 139,363 SH   SOLE   0 0 139,363
ISHARES INC CORE MSCI EMKT 46434G103 30,956 630,973 SH   SOLE   48,084 0 582,889
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 581 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 22,723 59,932 SH   SOLE   0 0 59,932
ISHARES TR RUSSELL 2000 ETF 464287655 7,542 44,533 SH   SOLE   0 0 44,533
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,019 142,694 SH   SOLE   0 0 142,694
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,264 24,502 SH   SOLE   0 0 24,502
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,245 69,568 SH   SOLE   0 0 69,568
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,023 19,942 SH   SOLE   0 0 19,942
ISHARES TR TIPS BD ETF 464287176 8,457 74,245 SH   SOLE   0 0 74,245
ISHARES TR 20 YR TR BD ETF 464287432 6,746 58,728 SH   SOLE   0 0 58,728
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 351 4,608 SH   SOLE   0 0 4,608
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 67,689 1,659,055 SH   SOLE   289,255 0 1,369,800
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 33,908 483,298 SH   SOLE   0 0 483,298
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,528 60,670 SH   SOLE   36,419 0 24,251
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 8,332 48,491 SH   SOLE   0 0 48,491
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 19,829 312,024 SH   SOLE   0 0 312,024
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 309,825 893,175 SH   SOLE   127,350 0 765,825
VANGUARD WORLD FD ESG INTL STK ETF 921910725 4,518 92,122 SH   SOLE   0 0 92,122
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 246,285 2,885,924 SH   SOLE   229,139 0 2,656,785
VANGUARD INDEX FDS TOTAL STK MKT 922908769 55,690 295,248 SH   SOLE   0 0 295,248
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 55,051 1,099,780 SH   SOLE   353,855 0 745,925
VANGUARD INDEX FDS GROWTH ETF 922908736 37,115 166,518 SH   SOLE   83,436 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 55,784 1,339,341 SH   SOLE   21,733 0 1,317,608
ISHARES GOLD TR ISHARES NEW 464285204 19,775 576,350 SH   SOLE   54,002 0 522,348
VANGUARD SCOTTSDALE FDS VNG RUS2000 IDX 92206C664 2,114 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,381 22,586 SH   SOLE   0 0 22,586
ISHARES TR CRE U S REIT ETF 464288521 4,278 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267 11,145 466,305 SH   SOLE   0 0 466,305
ISHARES TR CORE S7P SCP ETF 464287804 1,368 14,808 SH   SOLE   0 0 14,808
VANGUARD INDEX FDS VALUE ETF 922908744 4,382 33,230 SH   SOLE   0 0 33,230
KANZHUN LIMITED SPONSORED ADS 48553T106 177 6,729 SH   SOLE   0 0 6,729
ISHARES TR MSCI USA MIN VOL 46429B697 6,138 87,420 SH   SOLE   87,420 0 0