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
Expires: July 31, 2015
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 CORE US AGGBD ET 464287226 79,507,179 785,101 SH SOLE 135,293 0 649,808
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,009,076 89,072 SH SOLE 0 0 89,072
VANGUARD WORLD FD ESG US STK ETF 921910733 1,425,844 14,027 SH SOLE 0 0 14,027
SPDR GOLD TR GOLD SHS 78463V107 3,885,071 15,984 SH SOLE 0 0 15,984
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 13,638,205 236,487 SH SOLE 141,106 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306 6,268,994 51,188 SH SOLE 0 0 51,188
ISHARES TR BARCLAYS 7 10 YR 464287440 29,684,734 302,535 SH SOLE 12,881 0 289,654
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 611,140 15,615 SH SOLE 0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 97,881,163 169,691 SH SOLE 0 0 169,691
SPDR S&P 500 ETF TR TR UNIT 78462F103 40,588,930 70,742 SH SOLE 0 0 70,742
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,219,921 21,910 SH SOLE 0 0 21,910
ISHARES TR TIPS BD ETF 464287176 9,685,457 87,675 SH SOLE 0 0 87,675
ISHARES TR 20 YR TR BD ETF 464287432 8,185,660 83,442 SH SOLE 0 0 83,442
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 158,639,922 3,003,975 SH SOLE 379,801 0 2,624,174
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 96,266,775 1,564,296 SH SOLE 0 0 1,564,296
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,371,496 85,932 SH SOLE 22,573 0 63,359
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 5,302,047 20,387 SH SOLE 0 0 20,387
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 53,258,621 639,129 SH SOLE 0 0 639,129
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 620,073,989 1,175,117 SH SOLE 110,554 0 1,064,563
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 500,379,517 4,180,280 SH SOLE 73,450 0 4,106,830
VANGUARD INDEX FDS TOTAL STK MKT 922908769 82,789,472 292,377 SH SOLE 0 0 292,377
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 211,830,237 4,295,888 SH SOLE 219,117 0 4,076,771
VANGUARD INDEX FDS VALUE ETF 922908744 14,159,373 81,110 SH SOLE 0 0 81,110
VANGUARD INDEX FDS GROWTH ETF 922908736 59,583,249 155,193 SH SOLE 72,111 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 71,408,329 1,492,337 SH SOLE 17,651 0 1,474,686
ISHARES TR CORE S&P SCP ETF 464287804 2,409,142 20,598 SH SOLE 0 0 20,598
ISHARES GOLD TR ISHARES NEW 464285204 29,215,300 587,833 SH SOLE 8,156 0 579,677
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 40,383,761 668,384 SH SOLE 0 0 668,384
ISHARES TR CRE U S REIT ETF 464288521 4,932,988 80,120 SH SOLE 0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267 18,415,754 785,320 SH SOLE 0 0 785,320
VANGUARD WORLD FD ESG INTL STK ETF 921910725 4,520,309 73,489 SH SOLE 0 0 73,489
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,868,163 118,069 SH SOLE 0 0 118,069
ISHARES INC CORE MSCI EMKT 46434G103 39,016,411 679,610 SH SOLE 66,092 0 613,518
ISHARES TR CORE MSCI EAFE 46432F842 50,624,384 648,601 SH SOLE 0 0 648,601
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 5,648,943 52,218 SH SOLE 0 0 52,218
ISHARES INC MSCI CDA ETF 464286509 2,789,064 67,174 SH SOLE 0 0 67,174
ISHARES TR MSCI USA MIN VOL 46429B697 6,014,848 65,881 SH SOLE 65,881 0 0
ISHARES TR MSCI ACWI ETF 464288257 44,603,747 373,097 SH SOLE 0 0 373,097
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 20,704,989 214,515 SH SOLE 0 0 214,515
ISHARES TR RUSSELL 3000 ETF 464287689 4,594,804 14,063 SH SOLE 0 0 14,063
ISHARES TR CORE 1 5 YR USD 46432F859 1,366,252 28,066 SH SOLE 0 0 28,066
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,859,184 109,252 SH SOLE 0 0 109,252
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 555,541 10,284 SH SOLE 0 0 10,284
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 546,451 19,100 SH SOLE 0 0 19,100
ISHARES TR RUS 1000 ETF 464287622 45,196,706 143,760 SH SOLE 0 0 143,760
ISHARES TR MSCI USA QLT FCT 46432F339 50,501,459 281,659 SH SOLE 0 0 281,659
ISHARES TR MSCI EAFE ETF 464287465 10,674,450 127,639 SH SOLE 127,639 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 28,483,111 482,601 SH SOLE 0 0 482,601
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,860,131 64,010 SH SOLE 0 0 64,010
ISHARES TR MSCI EURO FL ETF 464289180 1,616,106 65,350 SH SOLE 0 0 65,350
ISHARES INC MSCI JPN ETF NEW 46434G822 8,568,990 119,779 SH SOLE 0 0 119,779
ISHARES TR MSCI UK ETF NEW 46435G334 1,488,619 39,792 SH SOLE 0 0 39,792
VANECK ETF TRUST VANECK ETF TRUST 92189F106 1,722,892 43,267 SH SOLE 0 0 43,267
ISHARES TR COHEN STEER REIT 464287564 9,314,994 141,329 SH SOLE 0 0 141,329
ISHARES TR CORE S&P MCP ETF 464287507 4,093,863 65,691 SH SOLE 0 0 65,691
VANECK ETF TRUST OIL SERVICES ETF 92189H607 1,765,811 6,224 SH SOLE 0 0 6,224
INVESCO QQQ TR UNIT SER 1 46090E103 10,542,312 21,600 SH SOLE 0 0 21,600
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,004,943 22,354 SH SOLE 0 0 22,354
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 2,114,552 8,615 SH SOLE 0 0 8,615
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 4,700,848 66,116 SH SOLE 0 0 66,116
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,278,508 50,276 SH SOLE 0 0 50,276
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,217,888 14,400 SH SOLE 0 0 14,400
ISHARES TR ESG AW MSCI EAFE 46435G516 5,865,891 69,691 SH SOLE 0 0 69,691
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,596,794 30,631 SH SOLE 0 0 30,631