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 15,902 175,288 SH   SOLE   0 0 175,288
ISHARES TR CORE US AGGBD ET 464287226 19,626 166,053 SH   SOLE   77,921 0 88,132
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,369 12,487 SH   SOLE   0 0 12,487
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,476 102,238 SH   SOLE   0 0 102,238
ISHARES TR MSCI EMG MKT ETF 464287234 348 6,737 SH   SOLE   0 0 6,737
ISHARES TR MSCI EAFE ETF 464287465 16,403 224,819 SH   SOLE   0 0 224,819
VANGUARD WORLD FD ESG US STK ETF 921910733 3,453 49,209 SH   SOLE   0 0 49,209
ISHARES INC MSCI CDA ETF 464286509 659 21,383 SH   SOLE   0 0 21,383
ISHARES INC MSCI STH AFR ETF 464286780 8,858 202,064 SH   SOLE   0 0 202,064
SPDR GOLD TR GOLD SHS 78463V107 37,834 212,231 SH   SOLE   10,581 0 201,650
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,947 102,793 SH   SOLE   0 0 102,793
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 10,623 237,232 SH   SOLE   135,539 0 101,693
ISHARES TR US TREAS BD ETF 46429B267 29,651 1,088,500 SH   SOLE   0 0 1,088,500
ISHARES TR HDG MSCI EAFE 46434V803 380 12,476 SH   SOLE   12,476 0 0
ISHARES GOLD TRUST ISHARES 464285105 4,840 266,987 SH   SOLE   0 0 266,987
ISHARES TR BARCLAYS 7 10 YR 464287440 18,028 150,295 SH   SOLE   150,295 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,498 50,631 SH   SOLE   0 0 50,631
ISHARES INC CORE MSCI EMKT 46434G103 27,558 444,193 SH   SOLE   62,421 0 381,772
VANECK VECTORS ETF TR ISRAEL ETF 92189F635 700 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200 42,728 113,824 SH   SOLE   55,484 0 58,340
ISHARES TR RUS 1000 GRW ETF 464287614 1,744 7,234 SH   SOLE   0 0 7,234
ISHARES TR RUSSELL 2000 ETF 464287655 7,541 38,464 SH   SOLE   0 0 38,464
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,822 4,339 SH   SOLE   4,339 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,326 25,805 SH   SOLE   0 0 25,805
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,742 44,166 SH   SOLE   0 0 44,166
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,412 41,434 SH   SOLE   0 0 41,434
SPDR S&P 500 ETF TR TR UNIT 78462F103 45,548 121,824 SH   SOLE   0 0 121,824
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,157 63,715 SH   SOLE   0 0 63,715
ISHARES TR TIPS BD ETF 464287176 7,909 61,956 SH   SOLE   0 0 61,956
ISHARES TR 10-20 YR TRS ETF 464288653 85,931 539,701 SH   SOLE   0 0 539,701
ISHARES TR 20 YR TR BD ETF 464287432 7,350 46,597 SH   SOLE   0 0 46,597
ISHARES TR MSCI USA MIN VOL 46429B697 7,247 106,755 SH   SOLE   106,755 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 86,978 1,842,372 SH   SOLE   294,602 0 1,547,770
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 36,563 381,420 SH   SOLE   0 0 381,420
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,197 167,164 SH   SOLE   51,590 0 115,574
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 17,080 97,485 SH   SOLE   0 0 97,485
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 13,323 111,192 SH   SOLE   0 0 111,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 197,824 575,589 SH   SOLE   56,986 0 518,603
VANGUARD WORLD FD ESG INTL STK ETF 921910725 4,818 81,297 SH   SOLE   0 0 81,297
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 266,212 2,875,482 SH   SOLE   233,341 0 2,642,141
VANGUARD INDEX FDS TOTAL STK MKT 922908769 42,716 219,464 SH   SOLE   0 0 219,464
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,897 311,100 SH   SOLE   0 0 311,100
VANGUARD INDEX FDS VALUE ETF 922908744 1,680 14,125 SH   SOLE   0 0 14,125
VANGUARD INDEX FDS GROWTH ETF 922908736 52,179 205,964 SH   SOLE   99,057 0 106,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 53,672 1,071,079 SH   SOLE   13,372 0 1,057,707