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
AMAZON COM INC COM 023135106 1,026 326 SH   SOLE   326 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 201 725 SH   SOLE   725 0 0
ISHARES GOLD TRUST ISHARES 464285105 19,634 1,091,378 SH   SOLE   828,993 0 262,385
ISHARES TR RUS 1000 GRW ETF 464287614 13,595 62,680 SH   SOLE   62,680 0 0
ISHARES TR COHEN STEER REIT 464287564 899 8,817 SH   SOLE   8,817 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 971 4,200 SH   SOLE   4,200 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,540 11,466 SH   SOLE   11,466 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10,125 229,642 SH   SOLE   202,425 0 27,217
ISHARES TR CORE S&P MCP ETF 464287507 531 2,864 SH   SOLE   2,864 0 0
ISHARES TR RUS 1000 ETF 464287622 118,584 633,632 SH   SOLE   496,644 0 136,988
ISHARES TR CORE S&P SCP ETF 464287804 499 7,106 SH   SOLE   7,106 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 14,621 97,608 SH   SOLE   75,239 0 22,369
ISHARES TR RUSSELL 3000 ETF 464287689 6,065 30,992 SH   SOLE   26,303 0 4,689
ISHARES TR EAFE VALUE ETF 464288877 609 15,088 SH   SOLE   15,088 0 0
ISHARES TR EAFE GRWTH ETF 464288885 712 7,922 SH   SOLE   7,922 0 0
ISHARES TR S&P SML 600 GWT 464287887 262 1,483 SH   SOLE   1,483 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 8,772 74,260 SH   SOLE   74,260 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,796 18,077 SH   SOLE   18,077 0 0
ISHARES TR SP SMCP600VL ETF 464287879 271 2,210 SH   SOLE   2,210 0 0
ISHARES TR MSCI EAFE ETF 464287465 26,023 408,848 SH   SOLE   336,782 0 72,066
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 341 6,078 SH   SOLE   5,495 0 583
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 288 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 530 6,657 SH   SOLE   6,657 0 0
SPDR GOLD TR GOLD SHS 78463V107 11,489 64,864 SH   SOLE   52,252 0 12,612
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,755 11,205 SH   SOLE   8,555 0 2,650
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,486 30,137 SH   SOLE   30,137 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 506 5,735 SH   SOLE   5,735 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,975 17,469 SH   SOLE   17,469 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,474 14,108 SH   SOLE   14,108 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,393 6,118 SH   SOLE   6,118 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,896 344,488 SH   SOLE   268,608 0 75,880
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 265 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 747 6,177 SH   SOLE   4,852 0 1,325
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 15,131 369,952 SH   SOLE   258,141 0 111,811
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,154 76,036 SH   SOLE   37,698 0 38,338
VANGUARD WORLD FD ESG INTL STK ETF 921910725 218 4,224 SH   SOLE   4,224 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,178 25,384 SH   SOLE   19,669 0 5,715
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,050 18,672 SH   SOLE   13,092 0 5,580