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
ISHARES INC CORE MSCI EMKT 46434G103 18,297 284,290 SH   SOLE   0 0 284,290
ISHARES TR COHEN STEER REIT 464287564 1,507 26,071 SH   SOLE   0 0 26,071
ISHARES TR CORE MSCI EAFE 46432F842 17,150 238,028 SH   SOLE   0 0 238,028
ISHARES TR CORE MSCI TOTAL 46432F834 18,515 263,443 SH   SOLE   0 0 263,443
ISHARES TR CORE S&P500 ETF 464287200 1,464 3,681 SH   SOLE   0 0 3,681
ISHARES TR CRE U S REIT ETF 464288521 37,733 720,089 SH   SOLE   0 0 720,089
ISHARES TR MSCI EAFE ETF 464287465 9,843 129,739 SH   SOLE   0 0 129,739
ISHARES TR MSCI EMG MKT ETF 464287234 6,524 122,316 SH   SOLE   0 0 122,316
ISHARES TR RUS 1000 ETF 464287622 4,166 18,613 SH   SOLE   0 0 18,613
ISHARES TR RUSSELL 2000 ETF 464287655 335 1,515 SH   SOLE   0 0 1,515
ISHARES TR RUSSELL 3000 ETF 464287689 37,344 157,417 SH   SOLE   0 0 157,417
ISHARES TR U.S. REAL ES ETF 464287739 16,307 177,368 SH   SOLE   0 0 177,368
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 256 2,667 SH   SOLE   0 0 2,667
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 222 2,228 SH   SOLE   0 0 2,228
SPDR GOLD TR GOLD SHS 78463V107 1,099 6,870 SH   SOLE   0 0 6,870
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,044 2,635 SH   SOLE   0 0 2,635
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,479 139,662 SH   SOLE   0 0 139,662
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,411 122,884 SH   SOLE   0 0 122,884
VANGUARD INDEX FDS LARGE CAP ETF 922908637 973 5,253 SH   SOLE   0 0 5,253
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 47,404 516,049 SH   SOLE   0 0 516,049
VANGUARD INDEX FDS TOTAL STK MKT 922908769 88,892 430,076 SH   SOLE   0 0 430,076
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 69,115 1,139,007 SH   SOLE   0 0 1,139,007
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 27,915 536,304 SH   SOLE   0 0 536,304
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 69,956 1,424,485 SH   SOLE   0 0 1,424,485