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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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 587 301 SH   SOLE   301 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 221 1,160 SH   SOLE   1,160 0 0
ISHARES GOLD TRUST ISHARES 464285105 16,363 1,085,767 SH   SOLE   822,312 0 263,455
ISHARES TR CORE S&P TTL STK 464287150 205 3,588 SH   SOLE   3,588 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 6,256 183,296 SH   SOLE   168,724 0 14,572
ISHARES TR S&P 500 GRWT ETF 464287309 693 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 13,470 251,964 SH   SOLE   224,257 0 27,707
ISHARES TR CORE S&P MCP ETF 464287507 412 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 5,821 63,563 SH   SOLE   44,703 0 18,860
ISHARES TR RUS 1000 VAL ETF 464287598 6,471 65,250 SH   SOLE   65,250 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 9,381 62,270 SH   SOLE   62,270 0 0
ISHARES TR RUS 1000 ETF 464287622 84,179 594,778 SH   SOLE   466,997 0 127,781
ISHARES TR RUS 2000 VAL ETF 464287630 1,455 17,741 SH   SOLE   17,741 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,936 12,238 SH   SOLE   12,238 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 12,187 106,470 SH   SOLE   82,436 0 24,034
ISHARES TR RUSSELL 3000 ETF 464287689 842 5,676 SH   SOLE   5,676 0 0
ISHARES TR CORE S&P SCP ETF 464287804 399 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 313 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 204 1,483 SH   SOLE   1,483 0 0
ISHARES TR EAFE VALUE ETF 464288877 429 12,033 SH   SOLE   12,033 0 0
ISHARES TR EAFE GRWTH ETF 464288885 563 7,922 SH   SOLE   7,922 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 222 10,750 SH   SOLE   10,750 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 219 4,039 SH   SOLE   3,750 0 289
SPDR GOLD TRUST GOLD SHS 78463V107 9,661 65,256 SH   SOLE   52,564 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 939 3,633 SH   SOLE   3,633 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,476 30,772 SH   SOLE   30,772 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 489 5,735 SH   SOLE   5,735 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,338 33,478 SH   SOLE   28,814 0 4,664
VANGUARD INDEX FDS GROWTH ETF 922908736 957 6,107 SH   SOLE   6,107 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 441 4,953 SH   SOLE   4,953 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,733 13,446 SH   SOLE   13,446 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,691 288,868 SH   SOLE   217,028 0 71,840
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 253 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 228 2,475 SH   SOLE   1,150 0 1,325
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,500 194,955 SH   SOLE   125,607 0 69,348
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,433 76,792 SH   SOLE   38,455 0 38,337