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
ALPHABET INC CAP STK CL C 02079K107 2,294 1,922 SH   SOLE   1,922 0 0
ALPHABET INC CAP STK CL A 02079K305 2,965 2,456 SH   SOLE   2,456 0 0
AMAZON COM INC COM 023135106 603 301 SH   SOLE   301 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 288 1,550 SH   SOLE   1,160 0 390
ISHARES GOLD TRUST ISHARES 464285105 13,346 1,167,600 SH   SOLE   903,213 0 264,387
ISHARES TR MSCI EMG MKT ETF 464287234 5,498 128,092 SH   SOLE   116,852 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 744 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,072 162,854 SH   SOLE   134,882 0 27,972
ISHARES TR CORE S&P MCP ETF 464287507 579 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 6,225 62,196 SH   SOLE   42,668 0 19,528
ISHARES TR RUS 1000 VAL ETF 464287598 9,428 74,461 SH   SOLE   71,500 0 2,961
ISHARES TR RUS 1000 GRW ETF 464287614 11,911 76,361 SH   SOLE   72,905 0 3,456
ISHARES TR RUS 1000 ETF 464287622 102,554 634,183 SH   SOLE   504,821 0 129,362
ISHARES TR RUS 2000 VAL ETF 464287630 2,566 19,296 SH   SOLE   19,296 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,983 13,869 SH   SOLE   13,869 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 18,962 112,497 SH   SOLE   86,912 0 25,585
ISHARES TR RUSSELL 3000 ETF 464287689 289 1,675 SH   SOLE   1,675 0 0
ISHARES TR CORE S&P SCP ETF 464287804 622 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 522 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 334 1,655 SH   SOLE   1,655 0 0
ISHARES TR EAFE VALUE ETF 464288877 654 12,596 SH   SOLE   12,596 0 0
ISHARES TR EAFE GRWTH ETF 464288885 743 9,279 SH   SOLE   9,279 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 272 10,564 SH   SOLE   10,533 0 31
SPDR GOLD TRUST GOLD SHS 78463V107 7,629 67,659 SH   SOLE   54,967 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,663 9,153 SH   SOLE   6,453 0 2,700
SPDR SERIES TRUST DJ REIT ETF 78464A607 274 2,934 SH   SOLE   2,934 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 493 10,425 SH   SOLE   10,425 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 374 4,750 SH   SOLE   4,750 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,691 33,349 SH   SOLE   28,817 0 4,532
VANGUARD INDEX FDS GROWTH ETF 922908736 982 6,096 SH   SOLE   6,096 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 516 4,663 SH   SOLE   4,663 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 591 3,932 SH   SOLE   3,932 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,334 227,606 SH   SOLE   161,128 0 66,478
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 227 2,900 SH   SOLE   2,900 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,377 170,490 SH   SOLE   113,850 0 56,640
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 7,442 85,453 SH   SOLE   47,121 0 38,332