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 1,114 360 SH   SOLE   360 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 231 725 SH   SOLE   725 0 0
ISHARES GOLD TR ISHARES 464285105 17,543 1,078,892 SH   SOLE   813,948 0 264,944
ISHARES TR AGGRES ALLOC ETF 464289859 217 3,240 SH   SOLE   3,240 0 0
ISHARES TR CORE S&P MCP ETF 464287507 746 2,864 SH   SOLE   2,864 0 0
ISHARES TR CORE S&P SCP ETF 464287804 771 7,106 SH   SOLE   7,106 0 0
ISHARES TR EAFE GRWTH ETF 464288885 796 7,922 SH   SOLE   7,922 0 0
ISHARES TR EAFE VALUE ETF 464288877 769 15,088 SH   SOLE   15,088 0 0
ISHARES TR MSCI EAFE ETF 464287465 33,331 439,316 SH   SOLE   335,424 0 103,892
ISHARES TR MSCI EMG MKT ETF 464287234 15,544 291,411 SH   SOLE   206,569 0 84,842
ISHARES TR RUS 1000 ETF 464287622 145,843 651,580 SH   SOLE   504,829 0 146,751
ISHARES TR RUS 1000 GRW ETF 464287614 15,007 61,747 SH   SOLE   61,747 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 11,072 73,056 SH   SOLE   73,056 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,435 11,423 SH   SOLE   11,423 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 3,210 20,126 SH   SOLE   20,126 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 22,642 102,481 SH   SOLE   79,209 0 23,272
ISHARES TR RUSSELL 3000 ETF 464287689 6,253 26,359 SH   SOLE   23,884 0 2,475
ISHARES TR S&P 500 GRWT ETF 464287309 1,094 16,800 SH   SOLE   16,800 0 0
ISHARES TR S&P SML 600 GWT 464287887 380 2,966 SH   SOLE   2,966 0 0
ISHARES TR SP SMCP600VL ETF 464287879 445 4,420 SH   SOLE   4,420 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 342 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 642 6,634 SH   SOLE   6,634 0 0
SPDR GOLD TR GOLD SHS 78463V107 10,386 64,927 SH   SOLE   52,255 0 12,672
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,762 6,961 SH   SOLE   5,261 0 1,700
VANGUARD INDEX FDS GROWTH ETF 922908736 1,573 6,118 SH   SOLE   6,118 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,630 17,564 SH   SOLE   17,564 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,881 14,308 SH   SOLE   14,308 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 18,879 362,712 SH   SOLE   272,299 0 90,413
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 264 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,226 6,878 SH   SOLE   5,553 0 1,325
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,900 425,585 SH   SOLE   263,090 0 162,495
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,683 75,998 SH   SOLE   37,661 0 38,337
VANGUARD WORLD FD ESG INTL STK ETF 921910725 260 4,235 SH   SOLE   4,235 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 7,168 31,335 SH   SOLE   21,747 0 9,588