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 1,978 1,910 SH   SOLE   1,910 0 0
ALPHABET INC CAP STK CL A 02079K305 2,454 2,348 SH   SOLE   2,348 0 0
AMAZON COM INC COM 023135106 452 301 SH   SOLE   301 0 0
ISHARES GOLD TRUST ISHARES 464285105 13,625 1,108,585 SH   SOLE   844,674 0 263,911
ISHARES TR MSCI EMG MKT ETF 464287234 4,549 116,473 SH   SOLE   105,233 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 633 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 10,038 170,777 SH   SOLE   142,153 0 28,624
ISHARES TR CORE S&P MCP ETF 464287507 476 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 5,846 61,088 SH   SOLE   41,557 0 19,531
ISHARES TR RUS 1000 VAL ETF 464287598 7,355 66,228 SH   SOLE   66,228 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 8,876 67,803 SH   SOLE   67,803 0 0
ISHARES TR RUS 1000 ETF 464287622 86,270 622,033 SH   SOLE   492,660 0 129,373
ISHARES TR RUS 2000 VAL ETF 464287630 1,891 17,581 SH   SOLE   17,581 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,136 12,714 SH   SOLE   12,714 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 14,750 110,157 SH   SOLE   85,164 0 24,993
ISHARES TR RUSSELL 3000 ETF 464287689 555 3,780 SH   SOLE   3,780 0 0
ISHARES TR CORE S&P SCP ETF 464287804 493 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 413 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 239 1,483 SH   SOLE   1,483 0 0
ISHARES TR EAFE VALUE ETF 464288877 494 10,918 SH   SOLE   10,918 0 0
ISHARES TR EAFE GRWTH ETF 464288885 546 7,899 SH   SOLE   7,899 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 753 31,987 SH   SOLE   31,987 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 8,063 66,502 SH   SOLE   53,810 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,582 6,319 SH   SOLE   3,619 0 2,700
SPDR SERIES TRUST DJ REIT ETF 78464A607 252 2,934 SH   SOLE   2,934 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,187 25,065 SH   SOLE   25,065 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,184 29,285 SH   SOLE   24,753 0 4,532
VANGUARD INDEX FDS GROWTH ETF 922908736 819 6,096 SH   SOLE   6,096 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 485 4,953 SH   SOLE   4,953 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,120 16,607 SH   SOLE   16,607 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,722 228,919 SH   SOLE   159,339 0 69,580
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 226 2,900 SH   SOLE   2,900 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,409 199,695 SH   SOLE   143,425 0 56,270
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 6,088 78,061 SH   SOLE   39,729 0 38,332