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
Estimated average burden
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
AMAZON COM INC COM 023135106 570 301 SH   SOLE   301 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 217 1,160 SH   SOLE   1,160 0 0
ISHARES GOLD TRUST ISHARES 464285105 14,680 1,087,376 SH   SOLE   824,637 0 262,739
ISHARES TR MSCI EMG MKT ETF 464287234 4,979 116,027 SH   SOLE   104,787 0 11,240
ISHARES TR S&P 500 GRWT ETF 464287309 753 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,672 177,582 SH   SOLE   148,294 0 29,288
ISHARES TR CORE S&P MCP ETF 464287507 556 2,864 SH   SOLE   2,864 0 0
ISHARES TR COHEN STEER REIT 464287564 6,821 60,546 SH   SOLE   41,065 0 19,481
ISHARES TR RUS 1000 VAL ETF 464287598 8,401 66,038 SH   SOLE   66,038 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 10,364 65,871 SH   SOLE   65,871 0 0
ISHARES TR RUS 1000 ETF 464287622 99,942 613,931 SH   SOLE   484,785 0 129,146
ISHARES TR RUS 2000 VAL ETF 464287630 2,131 17,681 SH   SOLE   17,681 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,541 12,651 SH   SOLE   12,651 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 17,128 110,146 SH   SOLE   85,167 0 24,979
ISHARES TR RUSSELL 3000 ETF 464287689 505 2,930 SH   SOLE   2,930 0 0
ISHARES TR CORE S&P SCP ETF 464287804 556 7,106 SH   SOLE   7,106 0 0
ISHARES TR SP SMCP600VL ETF 464287879 465 3,130 SH   SOLE   3,130 0 0
ISHARES TR S&P SML 600 GWT 464287887 271 1,483 SH   SOLE   1,483 0 0
ISHARES TR EAFE VALUE ETF 464288877 525 10,918 SH   SOLE   10,918 0 0
ISHARES TR EAFE GRWTH ETF 464288885 638 7,899 SH   SOLE   7,899 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 839 31,987 SH   SOLE   31,987 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 8,854 66,471 SH   SOLE   53,779 0 12,692
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,854 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 1,230 25,065 SH   SOLE   25,065 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,594 29,685 SH   SOLE   25,153 0 4,532
VANGUARD INDEX FDS GROWTH ETF 922908736 996 6,096 SH   SOLE   6,096 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 549 4,953 SH   SOLE   4,953 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,475 16,489 SH   SOLE   16,489 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,005 235,254 SH   SOLE   165,604 0 69,650
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 234 2,900 SH   SOLE   2,900 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,589 205,919 SH   SOLE   149,649 0 56,270
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 6,810 77,936 SH   SOLE   39,604 0 38,332