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
ISHARES TR S&P SML 600 GWT 464287887 252 1,483 SH   SOLE   1,483 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 493 6,715 SH   SOLE   6,715 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 713 6,177 SH   SOLE   4,852 0 1,325
ISHARES TR RUS 2000 VAL ETF 464287630 1,731 17,757 SH   SOLE   17,757 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 262 10,747 SH   SOLE   10,747 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 507 5,735 SH   SOLE   5,735 0 0
ISHARES TR SP SMCP600VL ETF 464287879 266 2,210 SH   SOLE   2,210 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,405 14,108 SH   SOLE   14,108 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 805 10,248 SH   SOLE   10,248 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 13,858 96,790 SH   SOLE   74,463 0 22,327
ISHARES TR RUS 1000 ETF 464287622 106,463 620,127 SH   SOLE   483,936 0 136,191
ISHARES TR EAFE GRWTH ETF 464288885 658 7,922 SH   SOLE   7,922 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 10,887 280,657 SH   SOLE   193,846 0 86,811
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,118 331,191 SH   SOLE   255,352 0 75,839
INVESCO QQQ TR UNIT SER 1 46090E103 211 850 SH   SOLE   850 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 341 6,072 SH   SOLE   5,489 0 583
ISHARES TR MSCI EAFE ETF 464287465 19,343 317,777 SH   SOLE   283,024 0 34,753
ISHARES TR RUS 1000 VAL ETF 464287598 8,175 72,588 SH   SOLE   72,588 0 0
ISHARES GOLD TRUST ISHARES 464285105 18,527 1,090,446 SH   SOLE   828,061 0 262,385
ISHARES TR CORE S&P MCP ETF 464287507 509 2,864 SH   SOLE   2,864 0 0
ISHARES TR EAFE VALUE ETF 464288877 521 13,033 SH   SOLE   13,033 0 0
ISHARES TR CORE S&P SCP ETF 464287804 485 7,106 SH   SOLE   7,106 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,377 11,489 SH   SOLE   11,489 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,236 6,118 SH   SOLE   6,118 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 5,899 32,759 SH   SOLE   28,185 0 4,574
SPDR GOLD TR GOLD SHS 78463V107 10,918 65,232 SH   SOLE   52,540 0 12,692
AMAZON COM INC COM 023135106 830 301 SH   SOLE   301 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 2,601 17,391 SH   SOLE   11,786 0 5,605
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,495 14,570 SH   SOLE   11,920 0 2,650
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,734 17,469 SH   SOLE   17,469 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,464 29,537 SH   SOLE   29,537 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 8,371 209,317 SH   SOLE   194,266 0 15,051
ISHARES TR S&P 500 GRWT ETF 464287309 871 4,200 SH   SOLE   4,200 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 12,037 62,711 SH   SOLE   62,711 0 0
ISHARES TR COHEN STEER REIT 464287564 1,194 11,840 SH   SOLE   11,630 0 210
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 4,400 22,838 SH   SOLE   17,605 0 5,233
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,992 76,060 SH   SOLE   37,722 0 38,338
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 265 3,200 SH   SOLE   3,200 0 0