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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI ACWI ETF 464288257   20,384,527 240,157 SH   SOLE   0 0 240,157
ISHARES TR CORE US AGGBD ET 464287226   51,504,600 531,030 SH   SOLE   116,696 0 414,334
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,508,544 179,444 SH   SOLE   0 0 179,444
ISHARES TR RUS 1000 VAL ETF 464287598   26,077,128 171,956 SH   SOLE   55,874 0 116,082
VANGUARD WORLD FD ESG US STK ETF 921910733   8,287,427 125,834 SH   SOLE   0 0 125,834
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,009,489 13,583 SH   SOLE   0 0 13,583
SPDR GOLD TR GOLD SHS 78463V107   40,001,452 235,802 SH   SOLE   0 0 235,802
WORLD GOLD TR SPDR GLD MINIS 98149E204   1,860,021 51,396 SH   SOLE   0 0 51,396
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   10,331,910 181,198 SH   SOLE   85,817 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,341,796 19,309 SH   SOLE   0 0 19,309
ISHARES TR HDG MSCI EAFE 46434V803   336,852 12,476 SH   SOLE   12,476 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440   22,817,573 238,229 SH   SOLE   12,881 0 225,348
ISHARES TR CORE MSCI EAFE 46432F842   11,810,964 191,612 SH   SOLE   0 0 191,612
ISHARES INC CORE MSCI EMKT 46434G103   29,731,884 636,657 SH   SOLE   30,940 0 605,717
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   557,340 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   12,748,088 33,180 SH   SOLE   0 0 33,180
ISHARES TR RUSSELL 2000 ETF 464287655   4,223,871 24,225 SH   SOLE   0 0 24,225
ISHARES TR MSCI USA MIN VOL 46429B697   5,304,376 73,530 SH   SOLE   73,530 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,885,346 80,542 SH   SOLE   0 0 80,542
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   976,822 19,842 SH   SOLE   0 0 19,842
SPDR S&P 500 ETF TR TR UNIT 78462F103   46,982,290 122,852 SH   SOLE   0 0 122,852
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,323,840 23,967 SH   SOLE   0 0 23,967
ISHARES TR TIPS BD ETF 464287176   9,143,090 85,899 SH   SOLE   0 0 85,899
ISHARES TR 20 YR TR BD ETF 464287432   7,387,949 74,206 SH   SOLE   0 0 74,206
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   71,406,543 1,701,371 SH   SOLE   345,214 0 1,356,157
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   35,481,597 575,813 SH   SOLE   0 0 575,813
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,376,059 53,056 SH   SOLE   36,419 0 16,637
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,409,301 25,303 SH   SOLE   0 0 25,303
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   17,498,955 262,826 SH   SOLE   0 0 262,826
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   329,593,810 938,105 SH   SOLE   121,127 0 816,978
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,590,509 32,334 SH   SOLE   0 0 32,334
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   278,745,182 3,234,078 SH   SOLE   320,957 0 2,913,121
VANGUARD INDEX FDS TOTAL STK MKT 922908769   55,160,418 288,511 SH   SOLE   0 0 288,511
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   51,333,076 1,098,974 SH   SOLE   291,213 0 807,761
VANGUARD INDEX FDS VALUE ETF 922908744   5,635,996 40,151 SH   SOLE   0 0 40,151
VANGUARD INDEX FDS GROWTH ETF 922908736   34,167,926 160,330 SH   SOLE   77,248 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   49,209,522 1,262,430 SH   SOLE   15,374 0 1,247,056
ISHARES TR CORE S&P SCP ETF 464287804   8,458,734 89,378 SH   SOLE   0 0 89,378
ISHARES GOLD TR ISHARES NEW 464285204   8,134,945 235,182 SH   SOLE   8,156 0 227,026
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664   2,175,418 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,320,829 22,586 SH   SOLE   0 0 22,586
ISHARES TR CRE U S REIT ETF 464288521   3,961,934 80,120 SH   SOLE   0 0 80,120