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 16,892 272,284 SH   SOLE   0 0 272,284
ISHARES TR COHEN STEER REIT 464287564 1,405 26,071 SH   SOLE   0 0 26,071
ISHARES TR CORE MSCI EAFE 46432F842 16,384 237,139 SH   SOLE   0 0 237,139
ISHARES TR CORE MSCI TOTAL 46432F834 17,704 263,485 SH   SOLE   0 0 263,485
ISHARES TR CORE S&P500 ETF 464287200 1,352 3,600 SH   SOLE   0 0 3,600
ISHARES TR CRE U S REIT ETF 464288521 34,298 708,500 SH   SOLE   0 0 708,500
ISHARES TR MSCI EAFE ETF 464287465 9,453 129,563 SH   SOLE   0 0 129,563
ISHARES TR MSCI EMG MKT ETF 464287234 6,320 122,316 SH   SOLE   0 0 122,316
ISHARES TR RUS 1000 ETF 464287622 3,943 18,613 SH   SOLE   0 0 18,613
ISHARES TR RUSSELL 2000 ETF 464287655 297 1,515 SH   SOLE   0 0 1,515
ISHARES TR RUSSELL 3000 ETF 464287689 35,579 159,155 SH   SOLE   0 0 159,155
ISHARES TR U.S. REAL ES ETF 464287739 15,138 176,738 SH   SOLE   0 0 176,738
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 243 2,667 SH   SOLE   0 0 2,667
SPDR GOLD TR GOLD SHS 78463V107 1,225 6,870 SH   SOLE   0 0 6,870
SPDR S&P 500 ETF TR TR UNIT 78462F103 871 2,329 SH   SOLE   0 0 2,329
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,379 137,258 SH   SOLE   0 0 137,258
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,641 120,663 SH   SOLE   0 0 120,663
VANGUARD INDEX FDS LARGE CAP ETF 922908637 920 5,236 SH   SOLE   0 0 5,236
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 38,350 451,549 SH   SOLE   0 0 451,549
VANGUARD INDEX FDS TOTAL STK MKT 922908769 83,292 427,930 SH   SOLE   0 0 427,930
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 65,927 1,129,667 SH   SOLE   0 0 1,129,667
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,169 522,234 SH   SOLE   0 0 522,234
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 65,483 1,387,051 SH   SOLE   0 0 1,387,051