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
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 Common 464287176 288 2,247 SH   SOLE   2,247 0 0
VANGUARD INDEX FDS Common 922908769 6,053,575 27,168,007 SH   SOLE   27,168,007 0 0
ISHARES TR Common 464287408 87,088 589,867 SH   SOLE   589,867 0 0
ISHARES TR Common 464287598 426 2,685 SH   SOLE   2,685 0 0
ISHARES TR Common 464287473 209,474 1,821,826 SH   SOLE   1,821,826 0 0
ISHARES TR Common 464287630 174,743 1,054,128 SH   SOLE   1,054,128 0 0
ISHARES TR Common 464287457 3,129 36,317 SH   SOLE   36,317 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 4,475,726 86,873,564 SH   SOLE   86,873,564 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,985,180 54,965,565 SH   SOLE   54,965,565 0 0
SPDR SP 500 ETF TR Common 78462F103 529 1,236 SH   SOLE   1,236 0 0
ISHARES TR Common 464288679 738,984 6,688,241 SH   SOLE   6,688,241 0 0
VANGUARD BD INDEX FD INC Common 921937835 139,305 1,621,896 SH   SOLE   1,621,896 0 0
VANGUARD INDEX FDS Common 922908553 578 5,675 SH   SOLE   5,675 0 0
ISHARES TR Common 464287226 746,829 6,475,583 SH   SOLE   6,475,583 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 106,634 1,335,765 SH   SOLE   1,335,765 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,666,237 29,181,040 SH   SOLE   29,181,040 0 0
VANGUARD MALVERN FDS Common 922020805 478,827 9,136,176 SH   SOLE   9,136,176 0 0
ISHARES TR Common 464287242 18,539 137,978 SH   SOLE   137,978 0 0
ISHARES TR Common 464288414 1,074,343 9,166,750 SH   SOLE   9,166,750 0 0
ISHARES TR Common 464288356 4,397 70,216 SH   SOLE   70,216 0 0
ISHARES TR Common 464288323 4,751 81,275 SH   SOLE   81,275 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,546 37,301 SH   SOLE   37,301 0 0
SPDR SERIES TRUST Common 78468R721 194,718 3,736,675 SH   SOLE   3,736,675 0 0
ISHARES TR Common 464288281 848,770 7,547,302 SH   SOLE   7,547,302 0 0
Invesco Common 46138E784 2,737 99,080 SH   SOLE   99,080 0 0
SCHWAB STRATEGIC TR Common 808524102 425,045 4,076,389 SH   SOLE   4,076,389 0 0
ISHARES TR Common 464287150 991,784 10,042,366 SH   SOLE   10,042,366 0 0
VANGUARD INDEX FDS Common 922908744 1,687,598 12,277,012 SH   SOLE   12,277,012 0 0
SCHWAB STRATEGIC TR Common 808524409 164,842 2,411,030 SH   SOLE   2,411,030 0 0
VANGUARD INDEX FDS Common 922908512 1,411,855 10,048,791 SH   SOLE   10,048,791 0 0
ISHARES TR Common 464287705 6,647 63,102 SH   SOLE   63,102 0 0
VANGUARD INDEX FDS Common 922908611 1,271,943 7,324,329 SH   SOLE   7,324,329 0 0
SCHWAB STRATEGIC TR Common 808524805 732,764 18,574,491 SH   SOLE   18,574,491 0 0
ISHARES TR Common 46432F842 439,937 5,876,792 SH   SOLE   5,876,792 0 0
SCHWAB STRATEGIC TR Common 808524706 2,746 83,528 SH   SOLE   83,528 0 0
ISHARES INC Common 46434G103 379,565 5,665,988 SH   SOLE   5,665,988 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 650 4,202 SH   SOLE   4,202 0 0
SCHWAB STRATEGIC TR Common 808524870 1,554 24,859 SH   SOLE   24,859 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,782 30,539 SH   SOLE   30,539 0 0
ISHARES TR Common 464287200 2,988 6,950 SH   SOLE   6,950 0 0
SCHWAB STRATEGIC TR Common 808524847 3,509 76,629 SH   SOLE   76,629 0 0
Invesco Common 46090E103 4,958 13,989 SH   SOLE   13,989 0 0
VANGUARD BD INDEX FD INC Common 921937793 9,601 93,185 SH   SOLE   93,185 0 0
ISHARES TR Common 464287655 409 1,785 SH   SOLE   1,785 0 0
ISHARES Common 464289479 724 10,014 SH   SOLE   10,014 0 0
ISHARES TR Common 464287440 2,127 18,413 SH   SOLE   18,413 0 0
VANGUARD INDEX FDS Common 922908751 14,121 62,684 SH   SOLE   62,684 0 0
VANGUARD INDEX FDS Common 922908629 493 2,076 SH   SOLE   2,076 0 0
VANGUARD INDEX FDS Common 922908363 41,215 104,735 SH   SOLE   104,735 0 0
ISHARES TR Common 464287507 220 820 SH   SOLE   820 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 943 38,535 SH   SOLE   38,535 0 0
SCHWAB STRATEGIC TR Common 808524797 206 2,729 SH   SOLE   2,729 0 0
VANGUARD INDEX FDS Common 922908736 39,094 136,307 SH   SOLE   136,307 0 0
ISHARES TR Common 464287309 375 5,161 SH   SOLE   5,161 0 0
VANGUARD STAR FD Common 921909768 722 10,988 SH   SOLE   10,988 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 560 2,698 SH   SOLE   2,698 0 0
SCHWAB STRATEGIC TR Common 808524201 353 3,392 SH   SOLE   3,392 0 0
DBX ETF TR Common 233051879 297 7,327 SH   SOLE   7,327 0 0
Invesco Common 46137V589 1,371 89,531 SH   SOLE   89,531 0 0
INDEXIQ ETF TR Common 45409B107 1,293 40,079 SH   SOLE   40,079 0 0
WISDOMTREE TR Common 97717W125 3,899 94,132 SH   SOLE   94,132 0 0
VANGUARD BD INDEX FD INC Common 921937819 9,117 101,345 SH   SOLE   101,345 0 0
ETFS GOLD TR Common 00326A104 608 35,764 SH   SOLE   35,764 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 917 8,756 SH   SOLE   8,756 0 0
VANGUARD BD INDEX FD INC Common 921937827 16,956 206,372 SH   SOLE   206,372 0 0
ISHARES TR Common 464288646 7,677 140,059 SH   SOLE   140,059 0 0
ISHARES Common 464286533 7,275 113,396 SH   SOLE   113,396 0 0
ISHARES TR Common 464288687 745 18,933 SH   SOLE   18,933 0 0
ISHARES TR Common 464288588 10,248 94,685 SH   SOLE   94,685 0 0
MARKET VECTORS ETF TR Common 92189H409 641 10,080 SH   SOLE   10,080 0 0
ISHARES TR Common 464288653 407 2,772 SH   SOLE   2,772 0 0
ISHARES TR Common 464287432 510 3,536 SH   SOLE   3,536 0 0
VANGUARD BD INDEX FD INC Common 92206C847 837 9,548 SH   SOLE   9,548 0 0
SPDR SERIES TRUST Common 78464A664 15,586 377,374 SH   SOLE   377,374 0 0
CAMBRIA ETF TR Common 132061888 3,296 134,632 SH   SOLE   134,632 0 0
CAMBRIA ETF TR Common 132061409 2,998 130,738 SH   SOLE   130,738 0 0
CAMBRIA ETF TR Common 132061508 16,314 541,810 SH   SOLE   541,810 0 0
CAMBRIA ETF TR Common 132061201 2,334 36,448 SH   SOLE   36,448 0 0
CAMBRIA ETF TR Common 132061300 1,114 40,143 SH   SOLE   40,143 0 0
CAMBRIA ETF TR Common 132061706 1,257 32,733 SH   SOLE   32,733 0 0
Invesco Common 46090F100 679 33,796 SH   SOLE   33,796 0 0
WISDOMTREE TR Common 97717W547 231 3,864 SH   SOLE   3,864 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,291 23,343 SH   SOLE   23,343 0 0
VANECK VECTORS TR Common 92189H300 1,416 45,111 SH   SOLE   45,111 0 0
VANGUARD INDEX FDS Common 921932505 2,988 11,389 SH   SOLE   11,389 0 0
VANGUARD INDEX FDS Common 921932703 1,911 13,395 SH   SOLE   13,395 0 0
ISHARES TR Common 46432F859 352 6,867 SH   SOLE   6,867 0 0
ISHARES TR Common 464288612 599 5,185 SH   SOLE   5,185 0 0
VANGUARD BD INDEX FD INC Common 92206C771 9,542 178,790 SH   SOLE   178,790 0 0
ISHARES TR Common 46435G672 1,133 20,568 SH   SOLE   20,568 0 0
Goldman Sachs Common 381430503 179,888 2,090,997 SH   SOLE   2,090,997 0 0
Goldman Sachs Common 381430107 80,978 2,318,285 SH   SOLE   2,318,285 0 0
Goldman Sachs Common 381430206 16,045 393,174 SH   SOLE   393,174 0 0
ISHARES TR Common 464288513 7,918 89,931 SH   SOLE   89,931 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 4,350 40,673 SH   SOLE   40,673 0 0
ISHARES TR Common 464289511 923 13,148 SH   SOLE   13,148 0 0
Vanguard Common 922908595 2,424 8,366 SH   SOLE   8,366 0 0
Vanguard Common 922908538 3,845 16,269 SH   SOLE   16,269 0 0
Vanguard Common 922042742 570 5,501 SH   SOLE   5,501 0 0
iShares Common 464287614 276 1,016 SH   SOLE   1,016 0 0
iShares Common 464287648 324 1,041 SH   SOLE   1,041 0 0
iShares Common 46434V407 5,089 110,481 SH   SOLE   110,481 0 0
Vanguard Common 92206C409 5,120 61,901 SH   SOLE   61,901 0 0
Goldman Sachs Common 381430529 80,525 804,364 SH   SOLE   804,364 0 0
iShares Common 46429B655 5,531 108,828 SH   SOLE   108,828 0 0
iShares Common 464286525 6,814 66,243 SH   SOLE   66,243 0 0
iShares Common 46432F396 454 2,616 SH   SOLE   2,616 0 0
iShares Common 46431W507 19,715 392,968 SH   SOLE   392,968 0 0
Vanguard Common 92206C102 2,818 45,876 SH   SOLE   45,876 0 0
iShares Common 464288158 1,728 16,022 SH   SOLE   16,022 0 0
Invesco Common 46138E743 237 4,918 SH   SOLE   4,918 0 0
SPDR State Street Global Advisors Common 78464A300 8,471 98,834 SH   SOLE   98,834 0 0
Van Eck Common 92189F643 3,561 48,089 SH   SOLE   48,089 0 0
Vanguard Common 921932869 850 4,237 SH   SOLE   4,237 0 0
iShares Common 464288570 70,546 851,702 SH   SOLE   851,702 0 0
Van Eck Common 92189F437 1,014 30,823 SH   SOLE   30,823 0 0
iShares Common 464288802 27,478 287,606 SH   SOLE   287,606 0 0
iShares Common 46434V464 114,856 691,863 SH   SOLE   691,863 0 0
iShares Common 46434V647 296 10,679 SH   SOLE   10,679 0 0
SPDR State Street Global Advisors Common 78464A508 14,904 376,945 SH   SOLE   376,945 0 0
SPDR State Street Global Advisors Common 78463X509 8,554 188,008 SH   SOLE   188,008 0 0
SPDR State Street Global Advisors Common 78468R747 2,655 26,133 SH   SOLE   26,133 0 0
iShares Common 464286285 3,523 77,062 SH   SOLE   77,062 0 0
PIMCO Common 72201R304 12,204 141,244 SH   SOLE   141,244 0 0
SPDR State Street Global Advisors Common 78468R796 57,841 544,946 SH   SOLE   544,946 0 0
iShares Common 46435G516 185,490 2,347,079 SH   SOLE   2,347,079 0 0
First Trust Exchange-Traded Fund VIII Common 33740F805 922 17,198 SH   SOLE   17,198 0 0
iShares Common 46431W705 939 9,752 SH   SOLE   9,752 0 0
iShares Common 46434G863 58,230 1,289,694 SH   SOLE   1,289,694 0 0
Exchange Traded Concepts Trust Common 301505889 1,490 23,527 SH   SOLE   23,527 0 0
SPDR State Street Global Advisors Common 78470E106 24,469 292,937 SH   SOLE   292,937 0 0
iShares Common 46435G326 9,919 147,057 SH   SOLE   147,057 0 0
Ark ETF Trust Common 00214Q104 2,841 21,721 SH   SOLE   21,721 0 0
iShares Common 46435G474 2,145 71,581 SH   SOLE   71,581 0 0
iShares Common 46435G425 180,084 1,828,818 SH   SOLE   1,828,818 0 0
SPDR State Street Global Advisors Common 78470E205 14,633 178,230 SH   SOLE   178,230 0 0
First Trust Common 33734X853 2,158 31,554 SH   SOLE   31,554 0 0
Goldman Sachs Common 381430602 26,957 414,594 SH   SOLE   414,594 0 0
Goldman Sachs Common 381430479 15,662 285,593 SH   SOLE   285,593 0 0
Goldman Sachs Common 381430453 3,703 73,641 SH   SOLE   73,641 0 0
XTRACKERS Common 233051432 2,853 70,786 SH   SOLE   70,786 0 0
ISHARES Common 46435U853 2,057 49,301 SH   SOLE   49,301 0 0
GraniteShares Common 38747R108 3,012 106,136 SH   SOLE   106,136 0 0
SPDR State Street Global Advisors Common 98149E204 2,599 147,605 SH   SOLE   147,605 0 0
JP Morgan Common 46641Q837 167,174 3,294,709 SH   SOLE   3,294,709 0 0
Goldman Sachs Common 381430362 2,825 48,896 SH   SOLE   48,896 0 0
iShares Common 46435U549 9,214 166,563 SH   SOLE   166,563 0 0
Goldman Sachs Common 38149W101 5,958 121,636 SH   SOLE   121,636 0 0
Impact Shares Common 45259A209 2,615 79,821 SH   SOLE   79,821 0 0
iShares Common 46435U440 27,181 496,548 SH   SOLE   496,548 0 0
Cambria Funds Common 132061813 998 31,387 SH   SOLE   31,387 0 0
Dynamic Beta Investments Common 56170L828 320 11,225 SH   SOLE   11,225 0 0
ISHARES Common 46435G193 5,031 181,511 SH   SOLE   181,511 0 0
iShares Common 46436E619 1,447 29,118 SH   SOLE   29,118 0 0
iShares Common 46435G243 3,927 150,820 SH   SOLE   150,820 0 0
iShares Common 46436E759 265 3,911 SH   SOLE   3,911 0 0
Vanguard Common 921910725 20,116 313,571 SH   SOLE   313,571 0 0
iShares Common 46436E767 273 7,508 SH   SOLE   7,508 0 0
Dimensional Common 921910733 19,940 249,309 SH   SOLE   249,309 0 0
Dimensional Common 25434V500 207 3,548 SH   SOLE   3,548 0 0
Dimensional Common 25434V609 214 4,774 SH   SOLE   4,774 0 0
Dimensional Common 25434V401 559 11,864 SH   SOLE   11,864 0 0
Dimensional Common 25434V708 7,589 281,292 SH   SOLE   281,292 0 0