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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
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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 S&P 500 VAL ETF 464287408   13,636,927 94,002 SH   SOLE   0 0 94,002
ISHARES TR CORE S&P500 ETF 464287200   6,043,293 15,729 SH   SOLE   0 0 15,729
ISHARES TR MSCI EAFE ETF 464287465   5,527,701 84,212 SH   SOLE   0 0 84,212
ISHARES TR 1 3 YR TREAS BD 464287457   13,133,357 161,801 SH   SOLE   0 0 161,801
VANGUARD INDEX FDS TOTAL STK MKT 922908769   73,247,060 383,111 SH   SOLE   0 0 383,111
ISHARES TR MSCI EMG MKT ETF 464287234   3,492,360 92,147 SH   SOLE   0 0 92,147
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   22,190,376 569,276 SH   SOLE   0 0 569,276
ISHARES TR CORE US AGGBD ET 464287226   34,815,847 358,963 SH   SOLE   0 0 358,963
SPDR GOLD TR GOLD SHS 78463V107   251,305 1,481 SH   SOLE   0 0 1,481
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   31,394,810 487,876 SH   SOLE   0 0 487,876
VANGUARD INDEX FDS VALUE ETF 922908744   75,645,242 538,899 SH   SOLE   0 0 538,899
VANGUARD INDEX FDS SM CP VAL ETF 922908611   90,862,913 572,185 SH   SOLE   0 0 572,185
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   35,764,873 433,619 SH   SOLE   0 0 433,619
VANGUARD INDEX FDS SMALL CP ETF 922908751   77,991,774 424,931 SH   SOLE   0 0 424,931
ISHARES TR MICRO-CAP ETF 464288869   6,242,913 57,896 SH   SOLE   0 0 57,896
ISHARES TR EAFE VALUE ETF 464288877   11,247,539 245,151 SH   SOLE   0 0 245,151
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   31,097,035 560,913 SH   SOLE   0 0 560,913
WISDOMTREE TR INTL SMCAP DIV 97717W760   25,556,915 440,941 SH   SOLE   0 0 440,941
WISDOMTREE TR US HIGH DIVIDEND 97717W208   266,279 3,094 SH   SOLE   0 0 3,094
ISHARES TR CORE S&P TTL STK 464287150   469,429 5,536 SH   SOLE   0 0 5,536
VANGUARD INDEX FDS LARGE CAP ETF 922908637   611,608 3,511 SH   SOLE   0 0 3,511
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   41,940,423 836,466 SH   SOLE   0 0 836,466
ISHARES TR IBOXX HI YD ETF 464288513   589,551 8,007 SH   SOLE   0 0 8,007
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,004,574 252,452 SH   SOLE   0 0 252,452
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,504,021 33,692 SH   SOLE   0 0 33,692
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   862,554 12,007 SH   SOLE   0 0 12,007
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   921,313 31,327 SH   SOLE   0 0 31,327
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   265,233 2,451 SH   SOLE   0 0 2,451
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   31,149,326 742,181 SH   SOLE   0 0 742,181
ISHARES TR NATIONAL MUN ETF 464288414   1,413,275 13,393 SH   SOLE   0 0 13,393
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   32,260,341 313,786 SH   SOLE   0 0 313,786
WISDOMTREE TR EMG MKTS SMCAP 97717W281   9,520,367 216,421 SH   SOLE   0 0 216,421
SPDR SER TR PORTFLI TIPS ETF 78464A656   450,354 17,483 SH   SOLE   0 0 17,483
ISHARES TR EAFE SML CP ETF 464288273   3,668,249 64,948 SH   SOLE   0 0 64,948
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   2,634,478 64,413 SH   SOLE   0 0 64,413
ISHARES TR MODERT ALLOC ETF 464289875   201,747 5,308 SH   SOLE   0 0 5,308
ISHARES TR GRWT ALLOCAT ETF 464289867   471,722 10,003 SH   SOLE   0 0 10,003
ISHARES TR SHRT NAT MUN ETF 464288158   3,050,295 29,254 SH   SOLE   0 0 29,254
ISHARES TR AGGRES ALLOC ETF 464289859   708,228 11,853 SH   SOLE   0 0 11,853
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   405,544 5,232 SH   SOLE   0 0 5,232
ISHARES TR RUS TOP 200 ETF 464289446   675,699 7,510 SH   SOLE   0 0 7,510
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   71,743,274 204,199 SH   SOLE   0 0 204,199
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   576,204 13,938 SH   SOLE   0 0 13,938
WISDOMTREE TR FUTRE STRAT FD 97717W125   4,283,406 135,830 SH   SOLE   0 0 135,830
SCHWAB STRATEGIC TR US REIT ETF 808524847   629,260 32,621 SH   SOLE   0 0 32,621
VANGUARD STAR FDS VG TL INTL STK F 921909768   26,704,933 516,337 SH   SOLE   0 0 516,337
ISHARES TR FLTG RATE NT ETF 46429B655   268,206 5,329 SH   SOLE   0 0 5,329
FLEXSHARES TR MORNSTAR USMKT 33939L100   20,659,036 139,024 SH   SOLE   0 0 139,024
INDEXIQ ETF TR IQ CBRE NEXGEN 45409B628   213,926 11,283 SH   SOLE   0 0 11,283
ISHARES INC CORE MSCI EMKT 46434G103   260,389 5,576 SH   SOLE   0 0 5,576
ISHARES TR CORE MSCI EAFE 46432F842   434,915 7,056 SH   SOLE   0 0 7,056
FLEXSHARES TR M STAR DEV MKT 33939L803   15,805,151 261,935 SH   SOLE   0 0 261,935
FLEXSHARES TR MSTAR EMKT FAC 33939L308   3,386,223 72,386 SH   SOLE   0 0 72,386
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   7,957,177 362,514 SH   SOLE   0 0 362,514
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   291,021 6,994 SH   SOLE   0 0 6,994
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   32,423,885 1,335,415 SH   SOLE   0 0 1,335,415
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,947,617 57,627 SH   SOLE   0 0 57,627
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,964,026 67,441 SH   SOLE   0 0 67,441
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   213,886 7,036 SH   SOLE   0 0 7,036
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   25,933,949 1,080,131 SH   SOLE   0 0 1,080,131
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   9,791,188 444,045 SH   SOLE   0 0 444,045
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,259,296 56,699 SH   SOLE   0 0 56,699
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   25,201,769 1,127,596 SH   SOLE   0 0 1,127,596
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   17,491,041 813,159 SH   SOLE   0 0 813,159
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   304,321 9,090 SH   SOLE   0 0 9,090