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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 235 1,697 SH   SOLE   0 0 1,697
INVESCO QQQ TR UNIT SER 1 46090E103 27,233 101,898 SH   SOLE   101,898 0 0
ISHARES GOLD TR ISHARES NEW 464285204 31,325 993,502 SH   SOLE   993,502 0 0
ISHARES TR CORE US AGGBD ET 464287226 45,670 474,049 SH   SOLE   474,049 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 99,403 869,815 SH   SOLE   869,815 0 0
ISHARES TR S&P MC 400GR ETF 464287606 30,603 485,614 SH   SOLE   485,614 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 18,080 173,947 SH   SOLE   173,947 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 17,159 82,880 SH   SOLE   82,880 0 0
ISHARES TR U.S. REAL ES ETF 464287739 573 7,042 SH   SOLE   7,042 0 0
ISHARES TR EAFE GRWTH ETF 464288885 9,776 134,729 SH   SOLE   134,729 0 0
ISHARES TR EAFE VALUE ETF 464288877 3,766 97,734 SH   SOLE   97,734 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,374 26,093 SH   SOLE   26,093 0 0
ISHARES TR MSCI EAFE ETF 464287465 8,612 153,754 SH   SOLE   153,754 0 0
MICROSOFT CORP COM 594918104 237 1,017 SH   SOLE   0 0 1,017
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 31,598 661,608 SH   SOLE   661,608 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,503 226,314 SH   SOLE   226,314 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 409 9,652 SH   SOLE   9,652 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 340 13,499 SH   SOLE   13,499 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 32,536 268,648 SH   SOLE   268,648 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,137 9,573 SH   SOLE   9,573 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 31,281 434,340 SH   SOLE   434,340 0 0
SPDR GOLD TR GOLD SHS 78463V107 26,765 173,048 SH   SOLE   173,048 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 71,785 399,982 SH   SOLE   399,982 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 18,740 233,750 SH   SOLE   233,750 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,183 49,200 SH   SOLE   49,200 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 50,166 860,332 SH   SOLE   860,332 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 56,538 1,554,943 SH   SOLE   1,554,943 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 32,155 518,707 SH   SOLE   518,707 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 3,312 32,604 SH   SOLE   32,604 0 0