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 15,675 201,397 SH   SOLE   0 0 201,397
ISHARES TR CORE US AGGBD ET 464287226 59,685 619,529 SH   SOLE   119,249 0 500,280
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,161 162,542 SH   SOLE   0 0 162,542
ISHARES TR MSCI EAFE ETF 464287465 278 4,971 SH   SOLE   0 0 4,971
VANGUARD WORLD FD ESG US STK ETF 921910733 587 9,337 SH   SOLE   0 0 9,337
ISHARES INC MSCI CDA ETF 464286509 692 22,481 SH   SOLE   0 0 22,481
ISHARES INC MSCI STH AFR ETF 464286780 4,791 132,939 SH   SOLE   0 0 132,939
SPDR GOLD TR GOLD SHS 78463V107 36,811 237,998 SH   SOLE   0 0 237,998
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,695 51,396 SH   SOLE   0 0 51,396
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 8,962 181,198 SH   SOLE   85,817 0 95,381
ISHARES TR US TREAS BD ETF 46429B267 9,910 435,423 SH   SOLE   0 0 435,423
ISHARES TR HDG MSCI EAFE 46434V803 373 12,476 SH   SOLE   12,476 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 22,868 238,229 SH   SOLE   12,881 0 225,348
ISHARES TR CORE MSCI EAFE 46432F842 6,833 129,741 SH   SOLE   0 0 129,741
ISHARES INC CORE MSCI EMKT 46434G103 26,868 625,132 SH   SOLE   48,084 0 577,048
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 128 128,000 SH   SOLE   0 0 128,000
ISHARES TR CORE S&P500 ETF 464287200 16,684 46,518 SH   SOLE   0 0 46,518
ISHARES TR RUSSELL 2000 ETF 464287655 3,995 24,225 SH   SOLE   0 0 24,225
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 783 1,950 SH   SOLE   0 0 1,950
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,886 142,694 SH   SOLE   0 0 142,694
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,878 38,222 SH   SOLE   0 0 38,222
SPDR S&P 500 ETF TR TR UNIT 78462F103 40,709 113,973 SH   SOLE   0 0 113,973
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,442 25,408 SH   SOLE   0 0 25,408
ISHARES TR TIPS BD ETF 464287176 8,874 84,597 SH   SOLE   0 0 84,597
ISHARES TR 20 YR TR BD ETF 464287432 6,521 63,650 SH   SOLE   0 0 63,650
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 171 2,304 SH   SOLE   0 0 2,304
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 68,132 1,873,805 SH   SOLE   431,612 0 1,442,193
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 31,038 493,136 SH   SOLE   0 0 493,136
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,253 53,056 SH   SOLE   36,419 0 16,637
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 6,045 36,999 SH   SOLE   0 0 36,999
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 16,295 272,997 SH   SOLE   0 0 272,997
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 298,333 908,722 SH   SOLE   121,421 0 787,301
VANGUARD WORLD FD ESG INTL STK ETF 921910725 4,002 92,122 SH   SOLE   0 0 92,122
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 280,097 3,550,920 SH   SOLE   318,974 0 3,231,946
VANGUARD INDEX FDS TOTAL STK MKT 922908769 44,408 247,438 SH   SOLE   0 0 247,438
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 52,161 1,084,213 SH   SOLE   353,855 0 730,358
VANGUARD INDEX FDS VALUE ETF 922908744 4,103 33,230 SH   SOLE   0 0 33,230
VANGUARD INDEX FDS GROWTH ETF 922908736 33,497 156,563 SH   SOLE   77,248 0 79,315
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 47,955 1,314,205 SH   SOLE   21,733 0 1,292,472
ISHARES TR CORE S&P SCP ETF 464287804 7,623 87,433 SH   SOLE   0 0 87,433
ISHARES GOLD TR ISHARES NEW 464285204 18,172 576,350 SH   SOLE   54,002 0 522,348
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664 2,060 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,317 22,586 SH   SOLE   0 0 22,586
ISHARES TR CRE U S REIT ETF 464288521 3,806 80,120 SH   SOLE   0 0 80,120