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 556 301 SH   SOLE   301 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 247 1,160 SH   SOLE   1,160 0 0
ISHARES GOLD TRUST ISHARES 464285105 15,727 1,084,636 SH   SOLE   821,465 0 263,171
ISHARES TR MSCI EMG MKT ETF 464287234 5,208 116,076 SH   SOLE   104,764 0 11,312
ISHARES TR S&P 500 GRWT ETF 464287309 813 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 12,688 182,720 SH   SOLE   153,280 0 29,440
ISHARES TR CORE S&P MCP ETF 464287507 590 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 7,011 59,924 SH   SOLE   41,285 0 18,639
ISHARES TR RUS 1000 VAL ETF 464287598 9,033 66,186 SH   SOLE   66,186 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 11,253 63,966 SH   SOLE   63,966 0 0
ISHARES TR RUS 1000 ETF 464287622 107,599 603,064 SH   SOLE   475,763 0 127,301
ISHARES TR RUS 2000 VAL ETF 464287630 2,277 17,711 SH   SOLE   17,711 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,622 12,238 SH   SOLE   12,238 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 18,239 110,091 SH   SOLE   85,145 0 24,946
ISHARES TR RUSSELL 3000 ETF 464287689 553 2,936 SH   SOLE   2,936 0 0
ISHARES TR CORE S&P SCP ETF 464287804 596 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 503 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 287 1,483 SH   SOLE   1,483 0 0
ISHARES TR EAFE VALUE ETF 464288877 601 12,033 SH   SOLE   12,033 0 0
ISHARES TR EAFE GRWTH ETF 464288885 685 7,922 SH   SOLE   7,922 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 864 31,553 SH   SOLE   31,553 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 9,481 66,349 SH   SOLE   53,657 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,168 3,619 SH   SOLE   3,619 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,504 30,704 SH   SOLE   30,704 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 481 5,735 SH   SOLE   5,735 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,769 29,842 SH   SOLE   25,259 0 4,583
VANGUARD INDEX FDS GROWTH ETF 922908736 1,113 6,107 SH   SOLE   6,107 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 594 4,953 SH   SOLE   4,953 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,204 13,470 SH   SOLE   13,470 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,765 242,078 SH   SOLE   172,160 0 69,918
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 259 3,200 SH   SOLE   3,200 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,259 210,152 SH   SOLE   153,604 0 56,548
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 7,174 76,559 SH   SOLE   38,224 0 38,335