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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   207,513 2,340 SH   SOLE   0 0 2,340
APPLE INC COM 037833100   465,562 2,603 SH   SOLE   0 0 2,603
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   275,284 4,524 SH   SOLE   0 0 4,524
INTEL CORP COM 458140100   680,506 18,919 SH   SOLE   0 0 18,919
INVITAE CORP COM 46185L103   9,511 15,500 SH   SOLE   0 0 15,500
ISHARES TR S&P 500 VAL ETF 464287408   655,938 4,276 SH   SOLE   0 0 4,276
ISHARES TR RUSSELL 2000 ETF 464287655   10,053,012 59,042 SH   SOLE   0 0 59,042
ISHARES TR CORE 1 5 YR USD 46432F859   7,131,975 154,038 SH   SOLE   0 0 154,038
ISHARES TR MSCI EAFE ETF 464287465   14,383,429 210,192 SH   SOLE   0 0 210,192
ISHARES TR EAFE VALUE ETF 464288877   9,983,549 206,314 SH   SOLE   0 0 206,314
ISHARES TR ISHS 1-5YR INVS 464288646   410,123 8,247 SH   SOLE   0 0 8,247
ISHARES TR CORE S&P500 ETF 464287200   43,788,368 101,032 SH   SOLE   0 0 101,032
ISHARES TR S&P 500 GRWT ETF 464287309   411,562 5,898 SH   SOLE   0 0 5,898
ISHARES TR MSCI EMG MKT ETF 464287234   7,759,677 204,957 SH   SOLE   0 0 204,957
ISHARES TR CORE INTL AGGR 46435G672   3,665,437 74,973 SH   SOLE   0 0 74,973
ISHARES TR IBOXX HI YD ETF 464288513   2,652,447 36,460 SH   SOLE   0 0 36,460
ISHARES TR CORE US AGGBD ET 464287226   17,968,437 191,888 SH   SOLE   0 0 191,888
ISHARES TR AGGRES ALLOC ETF 464289859   343,421 5,427 SH   SOLE   0 0 5,427
ISHARES TR SP SMCP600VL ETF 464287879   3,818,201 44,621 SH   SOLE   0 0 44,621
ISHARES TR RUS 2000 GRW ETF 464287648   203,272 944 SH   SOLE   0 0 944
ISHARES TR CORE S&P SCP ETF 464287804   228,324 2,503 SH   SOLE   0 0 2,503
ISHARES TR CORE S&P US VLU 464287663   17,828,653 239,955 SH   SOLE   0 0 239,955
ISHARES TR TIPS BD ETF 464287176   1,387,921 13,392 SH   SOLE   0 0 13,392
ISHARES TR COHEN STEER REIT 464287564   313,038 6,200 SH   SOLE   0 0 6,200
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,212,180 22,778 SH   SOLE   0 0 22,778
ISHARES TR GRWT ALLOCAT ETF 464289867   284,526 5,787 SH   SOLE   0 0 5,787
ISHARES TR CORE DIV GRWTH 46434V621   719,763 14,576 SH   SOLE   0 0 14,576
ISHARES TR IBOXX INV CP ETF 464287242   3,615,388 35,662 SH   SOLE   0 0 35,662
ISHARES TR GOV/CRED BD ETF 464288596   322,471 3,235 SH   SOLE   0 0 3,235
JOHNSON & JOHNSON COM 478160104   412,359 2,629 SH   SOLE   0 0 2,629
MICROSOFT CORP COM 594918104   241,246 736 SH   SOLE   0 0 736
SPDR GOLD TR GOLD SHS 78463V107   7,751,744 43,347 SH   SOLE   0 0 43,347
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   327,157 11,589 SH   SOLE   0 0 11,589
VANGUARD INDEX FDS VALUE ETF 922908744   1,945,784 14,171 SH   SOLE   0 0 14,171
VANGUARD INDEX FDS GROWTH ETF 922908736   647,905 2,329 SH   SOLE   0 0 2,329
VANGUARD INDEX FDS SM CP VAL ETF 922908611   258,380 1,663 SH   SOLE   0 0 1,663
VANGUARD STAR FDS VG TL INTL STK F 921909768   305,002 5,745 SH   SOLE   0 0 5,745
VANGUARD WORLD FD ESG US STK ETF 921910733   239,970 3,165 SH   SOLE   0 0 3,165
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   547,613 2,320 SH   SOLE   0 0 2,320
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824   1,430,813 25,799 SH   SOLE   0 0 25,799