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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
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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
CLEARSHARES ULTRA SHORT MATURITY ETF 26922A453 3,038 30,355 SH   SOLE   3,038 0 0
ISHARES GOLD TRUST 464285105 8,324 49,168 SH   SOLE   8,324 0 0
ISHARES CORE MSCI EAFE ETF 46432F842 4,344 75,723 SH   SOLE   4,344 0 0
ISHARES CORE MSCI TOTAL 46432F834 4,415 80,712 SH   SOLE   4,415 0 0
ISHARES CORE S&P SCP 464287804 8,630 12,806 SH   SOLE   8,630 0 0
ISHARES CORE S&P 500 464287200 4,341 14,202 SH   SOLE   4,341 0 0
ISHARES CORE TOTAL USD 46434V613 4,804 88,518 SH   SOLE   4,804 0 0
ISHARES CORE US AGGBD 464287226 3,817 32,316 SH   SOLE   3,817 0 0
ISHARES FLOATING RATE BOND ETF 46429B655 1,024 20,253 SH   SOLE   1,024 0 0
ISHARES TR GNMA BOND ETF 46429B333 2,496 48,610 SH   SOLE   2,496 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,158 8,637 SH   SOLE   1,158 0 0
ISHARES TR INTRM GOV CR ETF 464288612 2,855 24,260 SH   SOLE   2,855 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 4,119 68,684 SH   SOLE   4,119 0 0
ISHARES TR PFD AND INCOME SEC 464288687 1,048 30,356 SH   SOLE   1,048 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 4,425 147,804 SH   SOLE   4,425 0 0
SCHWAB STRATEGIC TR AGGREGATE B 808524839 2,852 50,814 SH   SOLE   2,852 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,498 29,324 SH   SOLE   1,498 0 0
SPDR SERIES TRUST S&P 500 ETF TR R UNIT 78462F103 2,309 7,583 SH   SOLE   2,309 0 0
SPDR SERIES TRUST PORTFOLIO S&P 500 78464A805 3,822 102,580 SH   SOLE   3,822 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 4,267 138,436 SH   SOLE   4,267 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,031 32,540 SH   SOLE   3,031 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,837 34,103 SH   SOLE   2,837 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,241 48,062 SH   SOLE   4,241 0 0
VANGUARD FTSE DEVELOPED ETF 921943858 4,591 118,330 SH   SOLE   4,591 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,955 24,976 SH   SOLE   4,955 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,972 6,406 SH   SOLE   4,972 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,856 17,362 SH   SOLE   4,856 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,621 29,955 SH   SOLE   4,621 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 4,409 44,772 SH   SOLE   4,409 0 0
VANGUARD INTL EQUITY INDEX FDS ALLWRLD EX US 922042775 4,466 93,591 SH   SOLE   4,466 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF 922042858 3,343 83,978 SH   SOLE   3,343 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,055 11,114 SH   SOLE   1,055 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,235 17,488 SH   SOLE   1,235 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,913 35,262 SH   SOLE   2,913 0 0