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

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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
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 533,352 3,532,135 SH   SOLE   3,532,135 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 452,881 11,024,376 SH   SOLE   11,024,376 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 161,806 4,019,022 SH   SOLE   4,019,022 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 214,782 1,897,872 SH   SOLE   1,897,872 0 0
ISHARES TIPS BOND ETF ETF 464287176 27,397 235,596 SH   SOLE   235,596 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 81,665 873,044 SH   SOLE   873,044 0 0
SPDR GOLD SHARES ETF 78463V107 133,368 960,381 SH   SOLE   960,381 0 0