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 19,028 546,618 SH   SOLE   411,527 0 135,091
ISHARES TR AGGRES ALLOC ETF 464289859 236 3,240 SH   SOLE   3,240 0 0
ISHARES TR CORE S&P MCP ETF 464287507 811 2,864 SH   SOLE   2,864 0 0
ISHARES TR CORE S&P SCP ETF 464287804 829 7,236 SH   SOLE   7,236 0 0
ISHARES TR EAFE GRWTH ETF 464288885 874 7,922 SH   SOLE   7,922 0 0
ISHARES TR EAFE VALUE ETF 464288877 760 15,088 SH   SOLE   15,088 0 0
ISHARES TR MSCI EAFE ETF 464287465 34,961 444,347 SH   SOLE   336,822 0 107,525
ISHARES TR MSCI EMG MKT ETF 464287234 14,209 290,875 SH   SOLE   206,633 0 84,242
ISHARES TR RUS 1000 ETF 464287622 173,083 654,551 SH   SOLE   506,110 0 148,441
ISHARES TR RUS 1000 GRW ETF 464287614 18,277 59,809 SH   SOLE   59,809 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 12,252 72,957 SH   SOLE   72,957 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,290 11,226 SH   SOLE   11,226 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 3,322 20,006 SH   SOLE   20,006 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 23,111 103,894 SH   SOLE   79,807 0 24,087
ISHARES TR RUSSELL 3000 ETF 464287689 6,687 24,096 SH   SOLE   21,621 0 2,475
ISHARES TR S&P 500 GRWT ETF 464287309 1,333 15,930 SH   SOLE   15,930 0 0
ISHARES TR S&P SML 600 GWT 464287887 380 2,736 SH   SOLE   2,736 0 0
ISHARES TR SP SMCP600VL ETF 464287879 462 4,420 SH   SOLE   4,420 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 318 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 282 5,232 SH   SOLE   5,173 0 59
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 736 6,514 SH   SOLE   6,514 0 0
SPDR GOLD TR GOLD SHS 78463V107 11,146 65,199 SH   SOLE   52,427 0 12,772
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,194 6,726 SH   SOLE   5,026 0 1,700
VANGUARD INDEX FDS GROWTH ETF 922908736 1,877 5,848 SH   SOLE   5,848 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,915 16,214 SH   SOLE   16,214 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,105 14,308 SH   SOLE   14,308 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 18,573 375,524 SH   SOLE   281,487 0 94,037
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 260 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,234 13,739 SH   SOLE   11,089 0 2,650
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,016 431,184 SH   SOLE   268,689 0 162,495
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,520 75,998 SH   SOLE   37,661 0 38,337
VANGUARD WORLD FD ESG INTL STK ETF 921910725 325 5,246 SH   SOLE   5,246 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 8,333 31,278 SH   SOLE   21,590 0 9,688