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 2,147 1,830 SH   SOLE   1,830 0 0
ALPHABET INC CAP STK CL A 02079K305 2,763 2,348 SH   SOLE   2,348 0 0
AMAZON COM INC COM 023135106 536 301 SH   SOLE   301 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 208 1,160 SH   SOLE   1,160 0 0
ISHARES GOLD TRUST ISHARES 464285105 13,621 1,100,225 SH   SOLE   834,792 0 265,433
ISHARES TR MSCI EMG MKT ETF 464287234 4,989 116,233 SH   SOLE   104,993 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 724 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,583 178,583 SH   SOLE   149,617 0 28,966
ISHARES TR CORE S&P MCP ETF 464287507 543 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 6,857 61,667 SH   SOLE   42,081 0 19,586
ISHARES TR RUS 1000 VAL ETF 464287598 8,178 66,228 SH   SOLE   66,228 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 10,263 67,803 SH   SOLE   67,803 0 0
ISHARES TR RUS 1000 ETF 464287622 98,075 623,447 SH   SOLE   493,663 0 129,784
ISHARES TR RUS 2000 VAL ETF 464287630 2,108 17,581 SH   SOLE   17,581 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,488 12,651 SH   SOLE   12,651 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 17,074 111,528 SH   SOLE   86,447 0 25,081
ISHARES TR RUSSELL 3000 ETF 464287689 630 3,780 SH   SOLE   3,780 0 0
ISHARES TR CORE S&P SCP ETF 464287804 548 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 462 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 265 1,483 SH   SOLE   1,483 0 0
ISHARES TR EAFE VALUE ETF 464288877 534 10,918 SH   SOLE   10,918 0 0
ISHARES TR EAFE GRWTH ETF 464288885 612 7,899 SH   SOLE   7,899 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 832 31,987 SH   SOLE   31,987 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 8,110 66,467 SH   SOLE   53,775 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,788 6,319 SH   SOLE   3,619 0 2,700
SPDR SERIES TRUST DJ REIT ETF 78464A607 290 2,934 SH   SOLE   2,934 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,212 25,065 SH   SOLE   25,065 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,545 29,285 SH   SOLE   24,753 0 4,532
VANGUARD INDEX FDS GROWTH ETF 922908736 954 6,096 SH   SOLE   6,096 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 533 4,953 SH   SOLE   4,953 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,398 16,574 SH   SOLE   16,574 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,974 234,677 SH   SOLE   164,684 0 69,993
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 231 2,900 SH   SOLE   2,900 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,228 201,234 SH   SOLE   144,964 0 56,270
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 6,763 78,948 SH   SOLE   40,616 0 38,332