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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 2,295 2,057 SH   SOLE   2,057 0 0
ALPHABET INC CAP STK CL A 02079K305 2,807 2,486 SH   SOLE   2,486 0 0
AMAZON COM INC COM 023135106 518 305 SH   SOLE   301 0 4
INVESCO QQQ TR UNIT SER 1 46090E103 266 1,550 SH   SOLE   1,160 0 390
ISHARES GOLD TRUST ISHARES 464285105 13,576 1,129,491 SH   SOLE   877,577 0 251,914
ISHARES TR MSCI EMG MKT ETF 464287234 5,561 128,332 SH   SOLE   117,092 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 683 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 10,867 162,265 SH   SOLE   134,432 0 27,833
ISHARES TR CORE S&P MCP ETF 464287507 560 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 6,229 62,365 SH   SOLE   42,838 0 19,527
ISHARES TR RUS 1000 VAL ETF 464287598 9,038 74,461 SH   SOLE   71,500 0 2,961
ISHARES TR RUS 1000 GRW ETF 464287614 11,004 76,526 SH   SOLE   73,070 0 3,456
ISHARES TR RUS 1000 ETF 464287622 96,545 635,251 SH   SOLE   505,957 0 129,294
ISHARES TR RUS 2000 VAL ETF 464287630 2,546 19,296 SH   SOLE   19,296 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,834 13,869 SH   SOLE   13,869 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 18,451 112,665 SH   SOLE   87,074 0 25,591
ISHARES TR RUSSELL 3000 ETF 464287689 272 1,675 SH   SOLE   1,675 0 0
ISHARES TR CORE S&P SCP ETF 464287804 595 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 511 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 313 1,655 SH   SOLE   1,655 0 0
ISHARES TR NATIONAL MUN ETF 464288414 11,117 101,957 SH   SOLE   100,334 0 1,623
ISHARES TR EAFE VALUE ETF 464288877 597 11,636 SH   SOLE   11,636 0 0
ISHARES TR EAFE GRWTH ETF 464288885 731 9,279 SH   SOLE   9,279 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 276 10,671 SH   SOLE   10,529 0 142
SPDR GOLD TRUST GOLD SHS 78463V107 7,261 61,197 SH   SOLE   48,820 0 12,377
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,485 9,153 SH   SOLE   6,453 0 2,700
SPDR SERIES TRUST DJ REIT ETF 78464A607 276 2,934 SH   SOLE   2,934 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,635 32,354 SH   SOLE   27,977 0 4,377
VANGUARD INDEX FDS GROWTH ETF 922908736 913 6,096 SH   SOLE   6,096 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 484 4,663 SH   SOLE   4,663 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 552 3,932 SH   SOLE   3,932 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,519 225,574 SH   SOLE   159,261 0 66,313
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,240 168,755 SH   SOLE   112,115 0 56,640
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 7,117 85,697 SH   SOLE   47,208 0 38,489
WELLS FARGO CO NEW COM 949746101 244 4,400 SH   SOLE   4,400 0 0