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
APPLE INC COM 037833100 232 1,697 SH   SOLE   0 0 1,697
INVESCO QQQ TR UNIT SER 1 46090E103 16,144 57,601 SH   SOLE   57,601 0 0
ISHARES GOLD TR ISHARES NEW 464285204 34,724 1,012,058 SH   SOLE   1,012,058 0 0
ISHARES TR CORE US AGGBD ET 464287226 74,016 727,929 SH   SOLE   727,929 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 100,114 838,898 SH   SOLE   838,898 0 0
ISHARES TR IBOXX INV CP ETF 464287242 629 5,714 SH   SOLE   5,714 0 0
ISHARES TR EAFE GRWTH ETF 464288885 839 10,420 SH   SOLE   10,420 0 0
ISHARES TR EAFE VALUE ETF 464288877 3,634 83,730 SH   SOLE   83,730 0 0
ISHARES TR U.S. REAL ES ETF 464287739 685 7,452 SH   SOLE   7,452 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 45,244 404,944 SH   SOLE   404,944 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 20,235 93,080 SH   SOLE   93,080 0 0
ISHARES TR CORE MSCI EAFE 46432F842 16,314 277,215 SH   SOLE   277,215 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,105 97,693 SH   SOLE   97,693 0 0
MICROSOFT CORP COM 594918104 261 1,016 SH   SOLE   0 0 261
SCHWAB STRATEGIC TR US REIT ETF 808524847 204 9,662 SH   SOLE   9,662 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 34,390 675,637 SH   SOLE   675,637 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,528 260,881 SH   SOLE   260,881 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 450 10,082 SH   SOLE   10,082 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 33,242 464,857 SH   SOLE   464,857 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 18,264 253,031 SH   SOLE   253,031 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 34,376 268,057 SH   SOLE   268,057 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 622 4,892 SH   SOLE   4,892 0 0
SPDR GOLD TR GOLD SHS 78463V107 28,831 171,145 SH   SOLE   171,145 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 87,786 465,412 SH   SOLE   465,412 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 21,510 236,089 SH   SOLE   236,089 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,437 48,786 SH   SOLE   48,786 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 57,830 945,547 SH   SOLE   945,547 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 53,163 1,303,024 SH   SOLE   1,303,024 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 36,564 532,924 SH   SOLE   532,924 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 980 9,854 SH   SOLE   9,854 0 0