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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   220,601 1,698 SH   SOLE   0 0 1,698
INVESCO QQQ TR UNIT SER 1 46090E103   13,942,953 52,362 SH   SOLE   52,362 0 0
ISHARES GOLD TR ISHARES NEW 464285204   34,397,265 994,428 SH   SOLE   994,428 0 0
ISHARES TR CORE US AGGBD ET 464287226   8,261,705 85,181 SH   SOLE   85,181 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   160,976,566 1,401,136 SH   SOLE   1,401,136 0 0
ISHARES TR S&P MC 400GR ETF 464287606   32,257,134 472,286 SH   SOLE   472,286 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   18,955,081 166,331 SH   SOLE   166,331 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   18,014,375 81,631 SH   SOLE   81,631 0 0
ISHARES TR U.S. REAL ES ETF 464287739   701,892 8,337 SH   SOLE   8,337 0 0
ISHARES TR EAFE GRWTH ETF 464288885   9,395,443 112,171 SH   SOLE   112,171 0 0
ISHARES TR EAFE VALUE ETF 464288877   6,156,270 134,182 SH   SOLE   134,182 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,004,888 48,749 SH   SOLE   48,749 0 0
ISHARES TR MSCI EAFE ETF 464287465   18,383,532 280,066 SH   SOLE   280,066 0 0
ISHARES TR CORE S&P SCP ETF 464287804   16,754,687 177,036 SH   SOLE   177,036 0 0
ISHARES TR INTL SEL DIV ETF 464288448   736,389 27,113 SH   SOLE   27,113 0 0
MICROSOFT CORP COM 594918104   243,955 1,017 SH   SOLE   0 0 1,017
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,855,897 219,949 SH   SOLE   219,949 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   448,701 9,938 SH   SOLE   9,938 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   599,511 20,623 SH   SOLE   20,623 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   35,214,021 658,945 SH   SOLE   658,945 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   37,025,510 272,547 SH   SOLE   272,547 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   397,088 3,191 SH   SOLE   3,191 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   36,642,495 418,915 SH   SOLE   418,915 0 0
SPDR GOLD TR GOLD SHS 78463V107   28,842,363 170,021 SH   SOLE   170,021 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   67,711,198 354,157 SH   SOLE   354,157 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   21,960,793 266,256 SH   SOLE   266,256 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,629,165 9,063 SH   SOLE   9,063 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,590,333 51,662 SH   SOLE   51,662 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,771,266 81,588 SH   SOLE   81,588 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   39,554,626 942,450 SH   SOLE   942,450 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   35,261,537 506,413 SH   SOLE   506,413 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,738,381 22,579 SH   SOLE   22,579 0 0