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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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
AMAZON COM INC COM 023135106 523 301 SH   SOLE   301 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 219 1,160 SH   SOLE   1,160 0 0
ISHARES GOLD TRUST ISHARES 464285105 15,242 1,081,004 SH   SOLE   818,265 0 262,739
ISHARES TR MSCI EMG MKT ETF 464287234 4,735 115,857 SH   SOLE   104,617 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 756 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,782 180,681 SH   SOLE   151,328 0 29,353
ISHARES TR CORE S&P MCP ETF 464287507 553 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 7,173 59,765 SH   SOLE   41,134 0 18,631
ISHARES TR RUS 1000 VAL ETF 464287598 8,437 65,778 SH   SOLE   65,778 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 10,273 64,356 SH   SOLE   64,356 0 0
ISHARES TR RUS 1000 ETF 464287622 98,978 601,542 SH   SOLE   474,264 0 127,278
ISHARES TR RUS 2000 VAL ETF 464287630 2,111 17,681 SH   SOLE   17,681 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,357 12,231 SH   SOLE   12,231 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 16,583 109,577 SH   SOLE   84,748 0 24,829
ISHARES TR RUSSELL 3000 ETF 464287689 509 2,930 SH   SOLE   2,930 0 0
ISHARES TR CORE S&P SCP ETF 464287804 553 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 470 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 265 1,483 SH   SOLE   1,483 0 0
ISHARES TR EAFE VALUE ETF 464288877 565 11,918 SH   SOLE   11,918 0 0
ISHARES TR EAFE GRWTH ETF 464288885 636 7,899 SH   SOLE   7,899 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 779 30,987 SH   SOLE   30,987 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 9,208 66,304 SH   SOLE   53,612 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,077 3,619 SH   SOLE   3,619 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 307 2,934 SH   SOLE   2,934 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,234 25,065 SH   SOLE   25,065 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,768 29,685 SH   SOLE   25,153 0 4,532
VANGUARD INDEX FDS GROWTH ETF 922908736 1,014 6,096 SH   SOLE   6,096 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 553 4,953 SH   SOLE   4,953 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,033 13,462 SH   SOLE   13,462 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,593 238,273 SH   SOLE   168,491 0 69,782
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 235 2,900 SH   SOLE   2,900 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,495 206,783 SH   SOLE   150,513 0 56,270
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 6,784 76,460 SH   SOLE   38,128 0 38,332