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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI ACWI ETF 464288257 2,118 28,524 SH   SOLE   28,524 0 0
ISHARES TR CORE US AGGBD ET 464287226 38,721 366,952 SH   SOLE   110,555 0 256,397
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,325 16,981 SH   SOLE   0 0 16,981
ISHARES MSCI CDA ETF 464286509 327 11,345 SH   SOLE   0 0 11,345
ISHARES MSCI STH AFR ETF 464286780 10,841 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TRUST GOLD SHS 78463V107 72,698 644,717 SH   SOLE   65,660 0 579,057
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 40,762 806,215 SH   SOLE   531,013 0 275,202
ISHARES TR CORE US TR BD 46429B267 9,029 370,965 SH   SOLE   0 0 370,965
ISHARES TR HDG MSCI EAFE 46434V803 7,059 235,763 SH   SOLE   235,763 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 7,850 77,593 SH   SOLE   77,593 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,555 24,272 SH   SOLE   0 0 24,272
ISHARES INC CORE MSCI EMKT 46434G103 41,379 799,126 SH   SOLE   167,408 0 631,718
ISHARES TR CORE S&P500 ETF 464287200 12,049 41,160 SH   SOLE   36,408 0 4,752
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 14,096 38,361 SH   SOLE   34,003 0 4,358
SPDR S&P 500 ETF TR TR UNIT 78462F103 16,910 58,165 SH   SOLE   0 0 58,165
ISHARES TR 10-20 YR TRS ETF 464288653 4,131 32,130 SH   SOLE   0 0 32,130
ISHARES TR 20+ YR TR BD ETF 464287432 2,096 17,876 SH   SOLE   0 0 17,876
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 170,499 3,940,352 SH   SOLE   568,525 0 3,371,827
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 937 18,015 SH   SOLE   0 0 18,015
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 10,115 162,913 SH   SOLE   0 0 162,913
VANGUARD INDEX FDS REIT ETF 922908553 19,165 237,549 SH   SOLE   33,495 0 204,054
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 12,757 95,587 SH   SOLE   0 0 95,587
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 13,630 123,011 SH   SOLE   0 0 123,011
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 106,316 398,113 SH   SOLE   73,579 0 324,534
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 111,486 1,470,212 SH   SOLE   54,384 0 1,415,828
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,461 76,584 SH   SOLE   0 0 76,584
VANGUARD INDEX FDS GROWTH ETF 922908736 49,501 307,383 SH   SOLE   144,095 0 163,288
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,795 385,250 SH   SOLE   37,576 0 347,674