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 INC CORE MSCI EMKT 46434G103   5,140 108 SH   SOLE   108 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   977,899 18,882 SH   SOLE   18,882 0 0
ISHARES SILVER TRUST ISHARES 46428Q109   625,543 36,775 SH   SOLE   36,775 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   83,728 465 SH   SOLE   465 0 0
ISHARES TR INTRM TR CRP ETF 464288638   246,894 4,089 SH   SOLE   4,089 0 0
ISHARES TR NORTH AMERN NAT 464287374   345,254 15,925 SH   SOLE   15,925 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,739,367 43,495 SH   SOLE   43,495 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,877,649 23,825 SH   SOLE   23,825 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,275,287 33,318 SH   SOLE   33,318 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,518,287 14,162 SH   SOLE   14,162 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   2,878,293 37,610 SH   SOLE   37,610 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,621,813 14,924 SH   SOLE   14,924 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,724,790 77,621 SH   SOLE   77,621 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,150,603 222,848 SH   SOLE   222,848 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   14,820,133 103,507 SH   SOLE   103,507 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,220,447 20,334 SH   SOLE   20,334 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,464,992 19,940 SH   SOLE   19,940 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,550,197 101,892 SH   SOLE   101,892 0 0
SPDR GOLD TR GOLD SHS 78463V107   167,370 1,000 SH   SOLE   1,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,749,418 31,617 SH   SOLE   31,617 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300   2,970,283 96,626 SH   SOLE   96,626 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   48,343,672 581,613 SH   SOLE   581,613 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,795,426 24,003 SH   SOLE   24,003 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,156,893 89,089 SH   SOLE   89,089 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   15,109,600 381,459 SH   SOLE   381,459 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   13,837,447 145,443 SH   SOLE   145,443 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   17,104,187 160,920 SH   SOLE   160,920 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858   85,338 2,200 SH   SOLE   2,200 0 0