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
Estimated average burden
hours per response: 23.8
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 3,838 59,818 SH   SOLE   29,089 0 30,729
ISHARES TR CORE US AGGBD ET 464287226 29,667 278,586 SH   SOLE   82,203 0 196,383
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,334 16,981 SH   SOLE   0 0 16,981
ISHARES TR MSCI EAFE ETF 464287465 2,949 50,171 SH   SOLE   0 0 50,171
VANGUARD WORLD FD ESG US STK ETF 921910733 9,038 210,185 SH   SOLE   0 0 210,185
ISHARES MSCI CDA ETF 464286509 455 18,976 SH   SOLE   0 0 18,976
ISHARES MSCI STH AFR ETF 464286780 10,194 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TRUST GOLD SHS 78463V107 65,394 539,333 SH   SOLE   473,673 0 65,660
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 30,835 747,689 SH   SOLE   531,013 0 216,676
ISHARES TR CORE US TR BD 46429B267 10,465 424,561 SH   SOLE   0 0 424,561
ISHARES TR HDG MSCI EAFE 46434V803 2,415 93,577 SH   SOLE   93,577 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 12,141 116,517 SH   SOLE   116,517 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,421 44,013 SH   SOLE   0 0 44,013
ISHARES INC CORE MSCI EMKT 46434G103 34,263 726,691 SH   SOLE   145,972 0 580,719
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 438 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 28,740 114,223 SH   SOLE   44,396 0 69,827
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 6,943 22,940 SH   SOLE   18,582 0 4,358
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,697 51,394 SH   SOLE   51,394 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,025 28,108 SH   SOLE   0 0 28,108
ISHARES TR 10-20 YR TRS ETF 464288653 4,290 32,130 SH   SOLE   0 0 32,130
ISHARES TR 20+ YR TR BD ETF 464287432 2,172 17,876 SH   SOLE   0 0 17,876
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 166,721 4,493,830 SH   SOLE   601,746 0 3,892,084
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 821 18,015 SH   SOLE   0 0 18,015
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 9,333 147,041 SH   SOLE   0 0 147,041
VANGUARD INDEX FDS REIT ETF 922908553 13,995 187,670 SH   SOLE   33,495 0 154,175
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 10,945 95,587 SH   SOLE   0 0 95,587
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 10,797 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 100,925 439,168 SH   SOLE   73,579 0 365,589
VANGUARD WORLD FD ESG INTL STK ETF 921910725 995 22,416 SH   SOLE   0 0 22,416
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 140,175 2,141,386 SH   SOLE   1,963,217 0 178,169
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,933 132,674 SH   SOLE   0 0 132,674
VANGUARD INDEX FDS GROWTH ETF 922908736 41,291 307,383 SH   SOLE   144,095 0 163,288
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 34,034 893,268 SH   SOLE   37,576 0 855,692