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
Estimated average burden
hours per response: 23.8
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
DBX ETF TR XTRAK MSCI EAFE 233051200 218 7,614 SH   SOLE   7,614 0 0
ISHARES MSCI PAC JP ETF 464286665 5,589 128,781 SH   SOLE   128,781 0 0
ISHARES MSCI AC ASIA ETF 464288182 8,907 141,382 SH   SOLE   141,382 0 0
ISHARES EAFE SML CP ETF 464288273 617 12,102 SH   SOLE   12,102 0 0
ISHARES JP MOR EM MK ETF 464288281 1,007 9,161 SH   SOLE   9,161 0 0
ISHARES EAFE GRWTH ETF 464288885 26,157 411,991 SH   SOLE   411,991 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,226 196,325 SH   SOLE   196,325 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,189 87,203 SH   SOLE   87,203 0 0
ISHARES TR SELECT DIVID ETF 464287168 469 6,240 SH   SOLE   6,240 0 0
ISHARES TR CORE S&P500 ETF 464287200 148,342 715,866 SH   SOLE   715,866 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 683 17,237 SH   SOLE   17,237 0 0
ISHARES TR NA NAT RES 464287374 12,478 343,944 SH   SOLE   343,944 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 26,997 257,094 SH   SOLE   257,094 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,649 35,371 SH   SOLE   35,371 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,184 11,961 SH   SOLE   11,961 0 0
ISHARES TR RUS 1000 ETF 464287622 1,659 14,299 SH   SOLE   14,299 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 13,638 109,223 SH   SOLE   109,223 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 2,715 21,898 SH   SOLE   21,898 0 0
ISHARES TR EUROPE ETF 464287861 237 5,411 SH   SOLE   5,411 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,461 230,897 SH   SOLE   230,897 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,466 80,938 SH   SOLE   80,938 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 5,001 44,501 SH   SOLE   44,501 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 17,142 83,276 SH   SOLE   83,276 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 756 9,924 SH   SOLE   9,924 0 0
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 1,011 21,430 SH   SOLE   21,430 0 0
VANGUARD INDEX FDS REIT ETF 922908553 3,974 53,202 SH   SOLE   53,202 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,454 13,490 SH   SOLE   13,490 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 50,334 470,325 SH   SOLE   470,325 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,773 57,124 SH   SOLE   57,124 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,558 649,646 SH   SOLE   649,646 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 42,760 1,078,436 SH   SOLE   1,078,436 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,204 17,885 SH   SOLE   17,885 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,066 9,966 SH   SOLE   9,966 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 365 6,378 SH   SOLE   6,378 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 1,320 21,432 SH   SOLE   21,432 0 0