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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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 34,182 359,242 SH   SOLE   0 0 359,242
ISHARES TR CORE US AGGBD ET 464287226 36,878 324,052 SH   SOLE   161,867 0 162,185
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,064 31,224 SH   SOLE   0 0 31,224
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,420 65,490 SH   SOLE   0 0 65,490
ISHARES TR MSCI EMG MKT ETF 464287234 3,446 64,596 SH   SOLE   0 0 64,596
ISHARES TR MSCI EAFE ETF 464287465 11,530 151,966 SH   SOLE   0 0 151,966
VANGUARD WORLD FD ESG US STK ETF 921910733 4,452 60,371 SH   SOLE   0 0 60,371
ISHARES INC MSCI CDA ETF 464286509 728 21,383 SH   SOLE   0 0 21,383
ISHARES INC MSCI STH AFR ETF 464286780 9,978 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TR GOLD SHS 78463V107 44,652 279,147 SH   SOLE   10,581 0 268,566
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,747 102,793 SH   SOLE   0 0 102,793
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 9,708 193,156 SH   SOLE   117,115 0 76,041
ISHARES TR US TREAS BD ETF 46429B267 26,315 1,004,771 SH   SOLE   0 0 1,004,771
ISHARES TR HDG MSCI EAFE 46434V803 411 12,476 SH   SOLE   12,476 0 0
ISHARES GOLD TR ISHARES 464285105 5,735 352,701 SH   SOLE   0 0 352,701
ISHARES TR BARCLAYS 7 10 YR 464287440 19,180 169,842 SH   SOLE   169,842 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,276 45,473 SH   SOLE   0 0 45,473
ISHARES INC CORE MSCI EMKT 46434G103 47,988 745,612 SH   SOLE   111,424 0 634,188
ISHARES TR ISHS 1-5YR INVS 464288646 5,347 97,780 SH   SOLE   0 0 97,780
ISHARES TR CORE S&P MCP ETF 464287507 24,619 94,587 SH   SOLE   0 0 94,587
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 691 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 46,037 115,722 SH   SOLE   57,910 0 57,812
ISHARES TR RUS 1000 GRW ETF 464287614 1,361 5,599 SH   SOLE   0 0 5,599
ISHARES TR RUSSELL 2000 ETF 464287655 12,616 57,103 SH   SOLE   0 0 57,103
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,066 4,339 SH   SOLE   4,339 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,321 64,730 SH   SOLE   0 0 64,730
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,620 46,448 SH   SOLE   0 0 46,448
SPDR SER TR PORTFOLIO SHORT 78464A474 4,865 155,384 SH   SOLE   0 0 155,384
SPDR S&P 500 ETF TR TR UNIT 78462F103 43,799 110,511 SH   SOLE   0 0 110,511
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,346 69,489 SH   SOLE   0 0 69,489
ISHARES TR TIPS BD ETF 464287176 6,969 55,530 SH   SOLE   0 0 55,530
ISHARES TR 10-20 YR TRS ETF 464288653 79,409 566,562 SH   SOLE   273,412 0 293,150
ISHARES TR 20 YR TR BD ETF 464287432 7,191 53,088 SH   SOLE   0 0 53,088
ISHARES TR MSCI USA MIN VOL 46429B697 7,386 106,755 SH   SOLE   106,755 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,350 64,843 SH   SOLE   0 0 64,843
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 68,206 1,290,825 SH   SOLE   247,089 0 1,043,736
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 26,494 319,981 SH   SOLE   0 0 319,981
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,778 160,879 SH   SOLE   54,343 0 106,536
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 17,051 92,061 SH   SOLE   0 0 92,061
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 9,185 69,097 SH   SOLE   0 0 69,097
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 184,346 506,029 SH   SOLE   55,594 0 450,435
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,787 94,303 SH   SOLE   0 0 94,303
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 238,625 2,452,719 SH   SOLE   283,890 0 2,168,829
VANGUARD INDEX FDS TOTAL STK MKT 922908769 59,345 287,119 SH   SOLE   0 0 287,119
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 20,098 389,950 SH   SOLE   276,415 0 113,535
VANGUARD INDEX FDS VALUE ETF 922908744 1,527 11,614 SH   SOLE   0 0 11,614
VANGUARD INDEX FDS GROWTH ETF 922908736 46,799 182,070 SH   SOLE   83,436 0 98,634
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 55,193 1,060,032 SH   SOLE   13,372 0 1,046,660
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,640 58,047 SH   SOLE   0 0 58,047