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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
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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 ETF 464287374 2,047,827 45,915 SH SOLE 0 0 45,915
ISHARES TR ETF 464287465 210,569 2,620 SH SOLE 0 0 2,620
MICROSOFT CORP COM 594918104 1,558,493 3,748 SH SOLE 0 0 3,748
SPDR GOLD TR GOLD SHS 78463V107 4,318,408 16,393 SH SOLE 0 0 16,393
STARBUCKS CORP COM 855244109 33,063 296 SH SOLE 0 0 296
VANGUARD INTL EQUITY INDEX F ETF 922042858 6,932,610 154,539 SH SOLE 0 0 154,539
VANGUARD TAX-MANAGED FDS ETF 921943858 3,239 64 SH SOLE 0 0 64
VANGUARD INTL EQUITY INDEX F ETF 922042874 14,086,885 205,888 SH SOLE 0 0 205,888
VANGUARD INTL EQUITY INDEX F ETF 922042775 84,062 1,398 SH SOLE 0 0 1,398
VANGUARD INDEX FDS ETF 922908538 5,674,956 20,703 SH SOLE 0 0 20,703
VANGUARD INDEX FDS ETF 922908512 5,497,851 33,196 SH SOLE 0 0 33,196
VANGUARD INTL EQUITY INDEX F ETF 922042866 6,607,428 89,495 SH SOLE 0 0 89,495
VANGUARD INDEX FDS ETF 922908553 4,298,292 46,756 SH SOLE 0 0 46,756
VANGUARD INDEX FDS ETF 922908363 56,877 102 SH SOLE 0 0 102
VANGUARD BD INDEX FDS ETF 921937827 9,379,231 121,069 SH SOLE 0 0 121,069
VANGUARD MALVERN FDS ETF 922020805 2,046,099 41,783 SH SOLE 0 0 41,783
VANGUARD INDEX FDS ETF 922908751 7,757 31 SH SOLE 0 0 31
VANGUARD INDEX FDS ETF 922908595 4,510,411 15,358 SH SOLE 0 0 15,358
VANGUARD INDEX FDS ETF 922908611 4,651,018 22,657 SH SOLE 0 0 22,657
VANGUARD CHARLOTTE FDS ETF 92203J407 4,093,268 82,893 SH SOLE 0 0 82,893
VANGUARD BD INDEX FDS ETF 921937835 10,297,299 141,914 SH SOLE 0 0 141,914
VANGUARD INDEX FDS ETF 922908769 248,671 827 SH SOLE 0 0 827
VANGUARD WORLD FD ETF 921910816 19,480,983 55,187 SH SOLE 0 0 55,187
VANGUARD WORLD FD ETF 921910840 24,294,312 184,846 SH SOLE 0 0 184,846