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
ALPHABET INC CAP STK CL C 02079K107 2,093 2,182 SH   SOLE 2,182 0 0
ALPHABET INC CAP STK CL A 02079K305 2,460 2,526 SH   SOLE 2,526 0 0
ISHARES GOLD TRUST ISHARES 464285105 14,189 1,152,658 SH   SOLE 906,486 0 246,172
ISHARES TR MSCI EMG MKT ETF 464287234 6,077 135,612 SH   SOLE 124,372 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 602 4,200 SH   SOLE 4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 10,929 159,594 SH   SOLE 134,697 0 24,897
ISHARES TR CORE S&P MCP ETF 464287507 512 2,864 SH   SOLE 2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 5,980 59,410 SH   SOLE 42,633 0 16,777
ISHARES TR RUS 1000 VAL ETF 464287598 9,688 81,749 SH   SOLE 78,789 0 2,960
ISHARES TR RUS 1000 GRW ETF 464287614 10,776 86,164 SH   SOLE 82,708 0 3,456
ISHARES TR RUS 1000 ETF 464287622 86,673 619,622 SH   SOLE 499,695 0 119,927
ISHARES TR RUS 2000 VAL ETF 464287630 2,528 20,370 SH   SOLE 20,370 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,713 15,160 SH   SOLE 15,160 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 16,439 110,939 SH   SOLE 87,253 0 23,686
ISHARES TR RUSSELL 3000 ETF 464287689 250 1,675 SH   SOLE 1,675 0 0
ISHARES TR CORE S&P SCP ETF 464287804 527 7,106 SH   SOLE 7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 504 3,400 SH   SOLE 3,400 0 0
ISHARES TR S&P SML 600 GWT 464287887 272 1,655 SH   SOLE 1,655 0 0
ISHARES TR NATIONAL MUN ETF 464288414 11,515 103,863 SH   SOLE 102,240 0 1,623
ISHARES TR EAFE VALUE ETF 464288877 783 14,346 SH   SOLE 14,346 0 0
ISHARES TR EAFE GRWTH ETF 464288885 866 11,189 SH   SOLE 11,189 0 0
ISHARES TR HDG MSCI EAFE 46434V803 295 10,200 SH   SOLE 10,200 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 329 12,209 SH   SOLE 12,151 0 58
SPDR GOLD TRUST GOLD SHS 78463V107 6,831 56,189 SH   SOLE 46,062 0 10,127
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,621 6,453 SH   SOLE 6,453 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 271 2,934 SH   SOLE 2,934 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,730 32,859 SH   SOLE 28,727 0 4,132
VANGUARD INDEX FDS GROWTH ETF 922908736 271 2,040 SH   SOLE 2,040 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 465 4,663 SH   SOLE 4,663 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 509 3,932 SH   SOLE 3,932 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,570 219,643 SH   SOLE 156,274 0 63,369
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 205 3,516 SH   SOLE 3,516 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,243 143,805 SH   SOLE 96,340 0 47,465
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 7,280 89,799 SH   SOLE 51,310 0 38,489
WELLS FARGO CO NEW COM 949746101 270 4,900 SH   SOLE 4,900 0 0