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
ETFS PALLADIUM TR SH BEN INT 26923A106 131 1,287 SH   SOLE   1,287 0 0
ISHARES TR CORE US AGGBD ET 464287226 10,973 103,987 SH   SOLE   103,987 0 0
ISHARES TR CORE S&P SCP ETF 464287804 13,127 150,467 SH   SOLE   150,467 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 878 17,517 SH   SOLE   17,517 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 7,627 59,811 SH   SOLE   59,811 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 2,942 26,094 SH   SOLE   26,094 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 32,455 466,574 SH   SOLE   466,574 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 38,764 508,916 SH   SOLE   508,916 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 12,835 323,474 SH   SOLE   323,474 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 36,842 1,098,791 SH   SOLE   1,098,791 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,908 177,266 SH   SOLE   177,266 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 137 2,371 SH   SOLE   2,371 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 141 1,864 SH   SOLE   1,864 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 8,546 109,527 SH   SOLE   109,527 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,380 193,656 SH   SOLE   193,656 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 523 10,812 SH   SOLE   10,812 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,410 80,864 SH   SOLE   80,864 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 24,045 461,966 SH   SOLE   461,966 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 38,452 937,844 SH   SOLE   937,844 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 204 1,730 SH   SOLE   1,730 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,569 20,078 SH   SOLE   20,078 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 20,534 76,894 SH   SOLE   76,894 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 253 3,135 SH   SOLE   3,135 0 0