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 TR CORE US AGGBD ET 464287226   51,071,074 514,570 SH   SOLE   86,491 0 428,079
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   7,948,618 103,202 SH   SOLE   0 0 103,202
VANGUARD WORLD FD ESG US STK ETF 921910733   7,085,754 83,303 SH   SOLE   0 0 83,303
SPDR GOLD TR GOLD SHS 78463V107   4,313,942 22,566 SH   SOLE   0 0 22,566
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   12,640,315 223,130 SH   SOLE   127,749 0 95,381
VANGUARD WORLD FDS ENERGY ETF 92204A306   6,003,329 51,188 SH   SOLE   0 0 51,188
ISHARES TR BARCLAYS 7 10 YR 464287440   22,962,894 238,229 SH   SOLE   12,881 0 225,348
VANECK VECTORS ETF TR ISRAEL ETF 92189F635   546,175 15,615 SH   SOLE   0 0 15,615
ISHARES TR CORE S&P500 ETF 464287200   88,236,412 184,738 SH   SOLE   0 0 184,738
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,223,013 24,598 SH   SOLE   0 0 24,598
SPDR S&P 500 ETF TR TR UNIT 78462F103   21,046,727 44,280 SH   SOLE   0 0 44,280
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,362,906 23,967 SH   SOLE   0 0 23,967
ISHARES TR TIPS BD ETF 464287176   9,682,270 90,076 SH   SOLE   0 0 90,076
ISHARES TR 20 YR TR BD ETF 464287432   7,195,201 72,767 SH   SOLE   0 0 72,767
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   118,980,201 2,483,929 SH   SOLE   325,223 0 2,158,706
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   53,242,033 865,302 SH   SOLE   0 0 865,302
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,206,555 47,607 SH   SOLE   22,573 0 25,034
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,422,756 20,387 SH   SOLE   0 0 20,387
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   68,090,759 938,665 SH   SOLE   0 0 938,665
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   401,572,956 919,352 SH   SOLE   102,940 0 816,412
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   305,449,278 2,968,986 SH   SOLE   64,490 0 2,904,496
VANGUARD INDEX FDS TOTAL STK MKT 922908769   76,325,536 321,750 SH   SOLE   0 0 321,750
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   58,994,880 1,242,259 SH   SOLE   230,083 0 1,012,176
VANGUARD INDEX FDS VALUE ETF 922908744   15,402,388 103,026 SH   SOLE   0 0 103,026
VANGUARD INDEX FDS GROWTH ETF 922908736   48,246,400 155,193 SH   SOLE   72,111 0 83,082
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   51,240,030 1,246,716 SH   SOLE   12,556 0 1,234,160
ISHARES TR CORE S&P SCP ETF 464287804   6,102,269 56,372 SH   SOLE   0 0 56,372
ISHARES GOLD TR ISHARES NEW 464285204   14,375,140 368,310 SH   SOLE   8,156 0 360,154
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C664   2,507,125 30,914 SH   SOLE   0 0 30,914
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   29,988,691 505,541 SH   SOLE   0 0 505,541
ISHARES TR CRE U S REIT ETF 464288521   4,349,715 80,120 SH   SOLE   0 0 80,120
ISHARES TR US TREAS BD ETF 46429B267   18,172,131 788,721 SH   SOLE   0 0 788,721
ISHARES TR 1 3 YR TREAS BD 464287457   3,124,083 38,080 SH   SOLE   0 0 38,080
VANGUARD WORLD FD ESG INTL STK ETF 921910725   5,709,926 103,291 SH   SOLE   0 0 103,291
VANECK ETF TRUST GOLD MINERS ETF 92189F106   448,870 14,475 SH   SOLE   0 0 14,475
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,179,935 43,235 SH   SOLE   0 0 43,235
ISHARES INC CORE MSCI EMKT 46434G103   18,942,007 374,496 SH   SOLE   66,092 0 308,404
ISHARES TR CORE MSCI EAFE 46432F842   31,084,640 441,857 SH   SOLE   0 0 441,857
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   5,486,695 55,315 SH   SOLE   0 0 55,315
ISHARES INC MSCI CDA ETF 464286509   885,015 24,128 SH   SOLE   0 0 24,128
ISHARES TR MSCI USA MIN VOL 46429B697   5,130,990 65,881 SH   SOLE   0 0 65,881
ISHARES TR MSCI ACWI ETF 464288257   16,012,492 157,340 SH   SOLE   0 0 157,340
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,663,135 34,134 SH   SOLE   0 0 34,134
ISHARES TR RUSSELL 3000 ETF 464287689   2,946,537 10,764 SH   SOLE   0 0 10,764
ISHARES TR CORE 1 5 YR USD 46432F859   667,409 14,033 SH   SOLE   0 0 14,033
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,221,625 9,189 SH   SOLE   0 0 9,189
ISHARES TR CONV BD ETF 46435G102   4,180,516 53,194 SH   SOLE   0 0 53,194
ISHARES TR IBOXX HI YD ETF 464288513   5,169,962 66,804 SH   SOLE   0 0 66,804
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,235,767 12,423 SH   SOLE   0 0 12,423
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   8,552,420 203,969 SH   SOLE   0 0 203,969
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,874,906 93,389 SH   SOLE   0 0 93,389
ISHARES TR EAFE SML CP ETF 464288273   4,359,060 70,421 SH   SOLE   0 0 70,421
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   9,909,738 119,452 SH   SOLE   0 0 119,452
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101   8,045,907 87,961 SH   SOLE   0 0 87,961
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   9,483,223 281,151 SH   SOLE   0 0 281,151
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,194,001 15,130 SH   SOLE   0 0 15,130
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   2,185,975 24,340 SH   SOLE   0 0 24,340