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
ISHARES INC CORE MSCI EMKT 46434G103 14,079 266,657 SH   SOLE   0 0 266,657
ISHARES TR COHEN STEER REIT 464287564 1,330 13,036 SH   SOLE   0 0 13,036
ISHARES TR CORE MSCI EAFE 46432F842 14,228 236,029 SH   SOLE   0 0 236,029
ISHARES TR CORE MSCI TOTAL 46432F834 15,331 262,780 SH   SOLE   0 0 262,780
ISHARES TR CORE S&P500 ETF 464287200 1,209 3,598 SH   SOLE   0 0 3,598
ISHARES TR CRE U S REIT ETF 464288521 30,414 695,330 SH   SOLE   0 0 695,330
ISHARES TR MSCI EAFE ETF 464287465 8,268 129,902 SH   SOLE   0 0 129,902
ISHARES TR MSCI EMG MKT ETF 464287234 5,393 122,316 SH   SOLE   0 0 122,316
ISHARES TR RUS 1000 ETF 464287622 3,470 18,543 SH   SOLE   0 0 18,543
ISHARES TR RUSSELL 2000 ETF 464287655 226 1,511 SH   SOLE   0 0 1,511
ISHARES TR RUSSELL 3000 ETF 464287689 32,277 164,925 SH   SOLE   0 0 164,925
ISHARES TR U.S. REAL ES ETF 464287739 14,047 175,945 SH   SOLE   0 0 175,945
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 215 2,667 SH   SOLE   0 0 2,667
SPDR GOLD TR GOLD SHS 78463V107 1,226 6,920 SH   SOLE   0 0 6,920
SPDR S&P 500 ETF TR TR UNIT 78462F103 780 2,328 SH   SOLE   0 0 2,328
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,610 139,795 SH   SOLE   0 0 139,795
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,926 123,849 SH   SOLE   0 0 123,849
VANGUARD INDEX FDS LARGE CAP ETF 922908637 813 5,195 SH   SOLE   0 0 5,195
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 33,093 419,107 SH   SOLE   0 0 419,107
VANGUARD INDEX FDS TOTAL STK MKT 922908769 71,234 418,259 SH   SOLE   0 0 418,259
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 58,292 1,155,447 SH   SOLE   0 0 1,155,447
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 22,087 510,793 SH   SOLE   0 0 510,793
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 54,736 1,338,294 SH   SOLE   0 0 1,338,294