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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
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI AC ASIA ETF 464288182 3,323 46,364 SH   SOLE   46,364 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,937 41,300 SH   SOLE   28,908 0 12,392
ISHARES TR CORE US AGGBD ET 464287226 76,648 720,918 SH   SOLE   109,685 0 611,233
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,330 17,009 SH   SOLE   0 0 17,009
ISHARES MSCI CDA ETF 464286509 422 14,793 SH   SOLE   0 0 14,793
ISHARES MSCI STH AFR ETF 464286780 11,631 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TRUST GOLD SHS 78463V107 71,827 605,369 SH   SOLE   65,660 0 539,709
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 36,587 730,575 SH   SOLE   455,373 0 275,202
ISHARES TR CORE US TR BD 46429B267 11,518 467,699 SH   SOLE   0 0 467,699
ISHARES TR HDG MSCI EAFE 46434V803 6,980 235,763 SH   SOLE   235,763 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 8,052 78,547 SH   SOLE   78,547 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,628 25,689 SH   SOLE   0 0 25,689
ISHARES TR CORE S&P500 ETF 464287200 14,030 51,384 SH   SOLE   46,632 0 4,752
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 15,152 42,678 SH   SOLE   34,003 0 8,675
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,525 57,229 SH   SOLE   0 0 57,229
ISHARES TR 10-20 YR TRS ETF 464288653 4,221 32,130 SH   SOLE   0 0 32,130
ISHARES TR 20+ YR TR BD ETF 464287432 2,167 17,803 SH   SOLE   0 0 17,803
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 177,437 4,136,060 SH   SOLE   533,781 0 3,602,279
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 355 6,844 SH   SOLE   0 0 6,844
VANGUARD INDEX FDS REIT ETF 922908553 19,348 237,549 SH   SOLE   33,495 0 204,054
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 11,937 95,587 SH   SOLE   0 0 95,587
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 15,397 145,959 SH   SOLE   0 0 145,959
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 104,356 418,244 SH   SOLE   73,579 0 344,665
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 128,265 1,748,196 SH   SOLE   39,117 0 1,709,079
VANGUARD INDEX FDS TOTAL STK MKT 922908769 48,724 346,965 SH   SOLE   0 0 346,965
VANGUARD INDEX FDS GROWTH ETF 922908736 46,048 307,383 SH   SOLE   144,095 0 163,288
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 54,487 1,291,169 SH   SOLE   230,861 0 1,060,308