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   5,702 108 SH   SOLE   108 0 0
ISHARES INC MSCI ISRAEL ETF 464286632   989,983 18,882 SH   SOLE   18,882 0 0
ISHARES SILVER TR ISHARES 46428Q109   795,811 36,775 SH   SOLE   36,775 0 0
ISHARES TR CORE MSCI EAFE 46432F842   6,088 101 SH   SOLE   101 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   91,005 465 SH   SOLE   465 0 0
ISHARES TR INTRM TR CRP ETF 464288638   248,652 4,089 SH   SOLE   4,089 0 0
ISHARES TR NORTH AMERN NAT 464287374   315,315 15,925 SH   SOLE   15,925 0 0
ISHARES TR U.S. REAL ES ETF 464287739   1,902,189 23,825 SH   SOLE   23,825 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,146,125 48,676 SH   SOLE   48,676 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,349,053 33,448 SH   SOLE   33,448 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,633,625 14,212 SH   SOLE   14,212 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,714,792 24,800 SH   SOLE   24,800 0 0
ISHARES TR CORE S&P500 ETF 464287200   5,040,566 14,999 SH   SOLE   14,999 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,350,483 84,061 SH   SOLE   84,061 0 0
ISHARES TR HDG MSCI EAFE 46434V803   6,430,809 233,508 SH   SOLE   233,508 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,253,184 20,334 SH   SOLE   20,334 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,588,022 19,940 SH   SOLE   19,940 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,215,552 101,892 SH   SOLE   101,892 0 0
SPDR GOLD TR GOLD SHS 78463V107   177,120 1,000 SH   SOLE   1,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,588,217 31,617 SH   SOLE   31,617 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   40,950,045 493,077 SH   SOLE   493,077 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,554,808 57,685 SH   SOLE   57,685 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,935,603 24,003 SH   SOLE   24,003 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   8,388,093 172,559 SH   SOLE   172,559 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   16,563,871 383,068 SH   SOLE   383,068 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   17,114,802 160,131 SH   SOLE   160,131 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   89,980 2,200 SH   SOLE   2,200 0 0