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 2,283 2,182 SH   SOLE 2,182 0 0
ALPHABET INC CAP STK CL A 02079K305 2,661 2,526 SH   SOLE 2,526 0 0
AMAZON COM INC COM 023135106 276 236 SH   SOLE 236 0 0
ISHARES GOLD TRUST ISHARES 464285105 14,283 1,141,732 SH   SOLE 894,687 0 247,045
ISHARES TR MSCI EMG MKT ETF 464287234 6,348 134,727 SH   SOLE 123,427 0 11,300
ISHARES TR S&P 500 GRWT ETF 464287309 642 4,200 SH   SOLE 4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,222 159,613 SH   SOLE 134,184 0 25,429
ISHARES TR CORE S&P MCP ETF 464287507 544 2,864 SH   SOLE 2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 6,214 61,328 SH   SOLE 43,324 0 18,004
ISHARES TR RUS 1000 VAL ETF 464287598 10,053 80,849 SH   SOLE 77,889 0 2,960
ISHARES TR RUS 1000 GRW ETF 464287614 11,452 85,031 SH   SOLE 81,575 0 3,456
ISHARES TR RUS 1000 ETF 464287622 91,675 616,882 SH   SOLE 495,978 0 120,904
ISHARES TR RUS 2000 VAL ETF 464287630 2,562 20,370 SH   SOLE 20,370 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,736 14,652 SH   SOLE 14,652 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 16,896 110,825 SH   SOLE 86,996 0 23,829
ISHARES TR RUSSELL 3000 ETF 464287689 265 1,675 SH   SOLE 1,675 0 0
ISHARES TR CORE S&P SCP ETF 464287804 546 7,106 SH   SOLE 7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 522 3,400 SH   SOLE 3,400 0 0
ISHARES TR S&P SML 600 GWT 464287887 282 1,655 SH   SOLE 1,655 0 0
ISHARES TR NATIONAL MUN ETF 464288414 11,332 102,330 SH   SOLE 100,707 0 1,623
ISHARES TR EAFE VALUE ETF 464288877 686 12,421 SH   SOLE 12,421 0 0
ISHARES TR EAFE GRWTH ETF 464288885 892 11,047 SH   SOLE 11,047 0 0
ISHARES TR HDG MSCI EAFE 46434V803 303 10,200 SH   SOLE 10,200 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 343 12,263 SH   SOLE 12,182 0 81
SPDR GOLD TRUST GOLD SHS 78463V107 7,097 57,399 SH   SOLE 47,272 0 10,127
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,724 6,453 SH   SOLE 6,453 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 275 2,934 SH   SOLE 2,934 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,648 31,909 SH   SOLE 27,777 0 4,132
VANGUARD INDEX FDS GROWTH ETF 922908736 814 5,790 SH   SOLE 5,790 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 496 4,663 SH   SOLE 4,663 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 540 3,932 SH   SOLE 3,932 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,082 219,594 SH   SOLE 155,163 0 64,431
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 208 3,516 SH   SOLE 3,516 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,725 149,905 SH   SOLE 99,340 0 50,565
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 7,648 89,313 SH   SOLE 50,824 0 38,489
WELLS FARGO CO NEW COM 949746101 297 4,900 SH   SOLE 4,900 0 0