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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 3 7 YR TREAS BD 464288661   198,283,301 1,752,238 SH   SOLE   1,752,238 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   119,421,470 562,222 SH   SOLE   562,222 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   53,007,658 1,212,435 SH   SOLE   1,212,435 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   28,760,856 513,862 SH   SOLE   513,862 0 0
ISHARES GOLD TR ISHARES NEW 464285204   27,105,913 774,676 SH   SOLE   774,676 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   25,006,671 69,798 SH   SOLE   69,798 0 0
SPDR GOLD TR GOLD SHS 78463V107   22,234,493 129,685 SH   SOLE   129,685 0 0
ISHARES TR MSCI EAFE ETF 464287465   20,896,682 303,202 SH   SOLE   303,202 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   19,480,247 79,492 SH   SOLE   79,492 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   14,249,926 108,126 SH   SOLE   108,126 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   13,152,730 230,144 SH   SOLE   230,144 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   11,266,531 397,970 SH   SOLE   397,970 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,723,739 115,302 SH   SOLE   115,302 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,727,777 155,021 SH   SOLE   155,021 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,465,091 76,617 SH   SOLE   76,617 0 0
ISHARES TR EAFE GRWTH ETF 464288885   5,364,322 62,159 SH   SOLE   62,159 0 0
ISHARES TR CORE MSCI EAFE 46432F842   4,540,986 70,567 SH   SOLE   70,567 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,693,637 51,931 SH   SOLE   51,931 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   623,426 3,803 SH   SOLE   3,803 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   573,562 11,335 SH   SOLE   11,335 0 0
ISHARES TR EAFE VALUE ETF 464288877   465,569 9,515 SH   SOLE   9,515 0 0
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   319,454 12,876 SH   SOLE   12,876 0 0
ISHARES TR U.S. REAL ES ETF 464287739   238,640 3,054 SH   SOLE   3,054 0 0