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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES INC MSCI ISRAEL ETF 464286632   576,368 10,050 SH   SOLE   10,050 0 0
ISHARES SILVER TRUST ISHARES 46428Q109   613,407 36,775 SH   SOLE   36,775 0 0
ISHARES TR INTERM TR CRP ETF 464288638   237,571 4,089 SH   SOLE   4,089 0 0
ISHARES TR NORTH AMERN NAT 464287374   436,781 14,511 SH   SOLE   14,511 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,935,468 43,135 SH   SOLE   43,135 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,217,632 23,825 SH   SOLE   23,825 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,776,944 33,118 SH   SOLE   33,118 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,914,823 14,162 SH   SOLE   14,162 0 0
ISHARES TR CORE US AGGBD ET 464287226   3,120,178 27,767 SH   SOLE   27,767 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,867,070 23,342 SH   SOLE   23,342 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,824,034 14,924 SH   SOLE   14,924 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,358,060 77,161 SH   SOLE   77,161 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,976,657 228,593 SH   SOLE   228,593 0 0
ISHARES TR INTL TREA BD ETF 464288117   22,739,302 453,245 SH   SOLE   453,245 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   370,247 16,976 SH   SOLE   16,976 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,287,993 22,744 SH   SOLE   22,744 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,532,987 19,940 SH   SOLE   19,940 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,613,011 86,096 SH   SOLE   86,096 0 0
SPDR GOLD TRUST GOLD SHS 78463V107   142,900 1,000 SH   SOLE   1,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,176,248 31,617 SH   SOLE   31,617 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300   8,659,014 254,602 SH   SOLE   254,602 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   68,645,863 851,580 SH   SOLE   851,580 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,913,875 23,631 SH   SOLE   23,631 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   8,806,360 149,033 SH   SOLE   149,033 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   16,730,337 376,216 SH   SOLE   376,216 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   13,283,309 145,443 SH   SOLE   145,443 0 0