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
ISHARES GOLD TR ISHARES NEW 464285204 18,144 543,060 SH   SOLE   409,052 0 134,008
ISHARES TR AGGRES ALLOC ETF 464289859 226 3,240 SH   SOLE   3,240 0 0
ISHARES TR CORE S&P MCP ETF 464287507 754 2,864 SH   SOLE   2,864 0 0
ISHARES TR CORE S&P SCP ETF 464287804 776 7,106 SH   SOLE   7,106 0 0
ISHARES TR EAFE GRWTH ETF 464288885 843 7,922 SH   SOLE   7,922 0 0
ISHARES TR EAFE VALUE ETF 464288877 767 15,088 SH   SOLE   15,088 0 0
ISHARES TR MSCI EAFE ETF 464287465 34,454 441,659 SH   SOLE   336,083 0 105,576
ISHARES TR MSCI EMG MKT ETF 464287234 14,702 291,813 SH   SOLE   206,971 0 84,842
ISHARES TR RUS 1000 ETF 464287622 157,493 651,576 SH   SOLE   504,100 0 147,476
ISHARES TR RUS 1000 GRW ETF 464287614 16,603 60,587 SH   SOLE   60,587 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 11,418 72,957 SH   SOLE   72,957 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,335 11,360 SH   SOLE   11,360 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 3,225 20,126 SH   SOLE   20,126 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 22,536 103,022 SH   SOLE   79,439 0 23,583
ISHARES TR RUSSELL 3000 ETF 464287689 6,113 23,985 SH   SOLE   21,510 0 2,475
ISHARES TR S&P 500 GRWT ETF 464287309 1,177 15,930 SH   SOLE   15,930 0 0
ISHARES TR S&P SML 600 GWT 464287887 356 2,736 SH   SOLE   2,736 0 0
ISHARES TR SP SMCP600VL ETF 464287879 445 4,420 SH   SOLE   4,420 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 328 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 284 5,242 SH   SOLE   5,183 0 59
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 677 6,514 SH   SOLE   6,514 0 0
SPDR GOLD TR GOLD SHS 78463V107 10,684 65,062 SH   SOLE   52,290 0 12,772
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,886 6,726 SH   SOLE   5,026 0 1,700
VANGUARD INDEX FDS GROWTH ETF 922908736 1,697 5,848 SH   SOLE   5,848 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,600 16,214 SH   SOLE   16,214 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,937 14,308 SH   SOLE   14,308 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 18,449 368,907 SH   SOLE   276,010 0 92,897
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 264 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,215 13,744 SH   SOLE   11,094 0 2,650
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,529 426,410 SH   SOLE   263,915 0 162,495
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,854 75,998 SH   SOLE   37,661 0 38,337
VANGUARD WORLD FD ESG INTL STK ETF 921910725 300 4,853 SH   SOLE   4,853 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 7,641 30,916 SH   SOLE   21,267 0 9,649