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
ISHARES TR CORE US AGGBD ET 464287226   60,220,678 640,373 SH   SOLE   105,413 0 534,960
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,505,588 86,545 SH   SOLE   0 0 86,545
ISHARES TR RUS 1000 VAL ETF 464287598   12,368,928 81,471 SH   SOLE   0 0 81,471
VANGUARD WORLD FD ESG US STK ETF 921910733   2,085,399 27,724 SH   SOLE   0 0 27,724
SPDR GOLD TR GOLD SHS 78463V107   3,523,469 20,551 SH   SOLE   0 0 20,551
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   12,432,803 223,130 SH   SOLE   127,749 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306   4,178,871 32,972 SH   SOLE   0 0 32,972
ISHARES TR BARCLAYS 7 10 YR 464287440   21,819,394 238,229 SH   SOLE   12,881 0 225,348
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   523,638 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   75,306,133 175,363 SH   SOLE   0 0 175,363
ISHARES TR RUSSELL 2000 ETF 464287655   4,281,527 24,225 SH   SOLE   0 0 24,225
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   19,443 406 SH   SOLE   0 0 406
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,179,228 24,598 SH   SOLE   0 0 24,598
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,678,988 39,017 SH   SOLE   0 0 39,017
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,322,882 23,967 SH   SOLE   0 0 23,967
ISHARES TR TIPS BD ETF 464287176   10,684,716 103,015 SH   SOLE   0 0 103,015
ISHARES TR 20 YR TR BD ETF 464287432   6,209,896 70,018 SH   SOLE   0 0 70,018
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   94,098,637 2,152,302 SH   SOLE   397,306 0 1,754,996
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   50,658,150 912,595 SH   SOLE   0 0 912,595
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,649,535 61,453 SH   SOLE   36,419 0 25,034
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   3,968,533 20,387 SH   SOLE   0 0 20,387
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   66,039,794 990,696 SH   SOLE   0 0 990,696
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   377,998,883 962,564 SH   SOLE   106,624 0 855,940
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   210,473,960 2,258,789 SH   SOLE   180,450 0 2,078,339
VANGUARD INDEX FDS TOTAL STK MKT 922908769   90,009,587 423,754 SH   SOLE   0 0 423,754
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   64,331,154 1,360,642 SH   SOLE   266,136 0 1,094,506
VANGUARD INDEX FDS VALUE ETF 922908744   5,538,027 40,151 SH   SOLE   0 0 40,151
VANGUARD INDEX FDS GROWTH ETF 922908736   42,260,606 155,193 SH   SOLE   72,111 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   57,225,544 1,459,463 SH   SOLE   12,556 0 1,446,907
ISHARES TR CORE S&P SCP ETF 464287804   5,317,571 56,372 SH   SOLE   0 0 56,372
ISHARES GOLD TR ISHARES NEW 464285204   14,251,322 407,297 SH   SOLE   8,156 0 399,141
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664   2,208,496 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   25,581,083 447,613 SH   SOLE   0 0 447,613
ISHARES TR CRE U S REIT ETF 464288521   3,780,062 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267   21,312,150 966,976 SH   SOLE   0 0 966,976
ISHARES TR 1 3 YR TREAS BD 464287457   3,083,337 38,080 SH   SOLE   0 0 38,080
VANGUARD WORLD FD ESG INTL STK ETF 921910725   5,595,461 110,933 SH   SOLE   0 0 110,933
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   173,146 2,304 SH   SOLE   0 0 2,304
VANECK ETF TRUST GOLD MINERS ETF 92189F106   389,522 14,475 SH   SOLE   0 0 14,475
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,964,481 56,814 SH   SOLE   0 0 56,814
ISHARES INC CORE MSCI EMKT 46434G103   16,078,186 337,848 SH   SOLE   44,254 0 293,594
ISHARES TR CORE MSCI EAFE 46432F842   59,919,695 931,153 SH   SOLE   0 0 931,153
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   4,866,614 55,315 SH   SOLE   0 0 55,315
ISHARES INC MSCI CDA ETF 464286509   807,323 24,128 SH   SOLE   0 0 24,128
ISHARES TR MSCI USA MIN VOL 46429B697   4,769,500 65,881 SH   SOLE   0 0 65,881
ISHARES TR MSCI ACWI ETF 464288257   22,640,996 245,112 SH   SOLE   0 0 245,112
ISHARES TR ESG AW MSCI EAFE 46435G516   583,526 8,441 SH   SOLE   0 0 8,441
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,336,131 34,134 SH   SOLE   0 0 34,134