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
AMAZON COM INC COM 023135106 1,172 360 SH   SOLE   360 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 227 725 SH   SOLE   725 0 0
ISHARES GOLD TRUST ISHARES 464285105 19,797 1,091,960 SH   SOLE   813,575 0 278,385
ISHARES TR AGGRES ALLOC ETF 464289859 208 3,240 SH   SOLE   3,240 0 0
ISHARES TR COHEN STEER REIT 464287564 504 9,354 SH   SOLE   9,354 0 0
ISHARES TR CORE S&P MCP ETF 464287507 658 2,864 SH   SOLE   2,864 0 0
ISHARES TR CORE S&P SCP ETF 464287804 653 7,106 SH   SOLE   7,106 0 0
ISHARES TR EAFE GRWTH ETF 464288885 799 7,922 SH   SOLE   7,922 0 0
ISHARES TR EAFE VALUE ETF 464288877 712 15,088 SH   SOLE   15,088 0 0
ISHARES TR MSCI EAFE ETF 464287465 29,835 408,927 SH   SOLE   305,226 0 103,701
ISHARES TR MSCI EMG MKT ETF 464287234 13,819 267,446 SH   SOLE   198,929 0 68,517
ISHARES TR RUS 1000 ETF 464287622 135,394 639,132 SH   SOLE   486,045 0 153,087
ISHARES TR RUS 1000 GRW ETF 464287614 15,011 62,248 SH   SOLE   62,248 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 10,178 74,437 SH   SOLE   74,437 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,279 11,438 SH   SOLE   10,869 0 569
ISHARES TR RUS 2000 VAL ETF 464287630 2,652 20,126 SH   SOLE   18,889 0 1,237
ISHARES TR RUSSELL 2000 ETF 464287655 19,823 101,108 SH   SOLE   78,429 0 22,679
ISHARES TR RUSSELL 3000 ETF 464287689 6,666 29,819 SH   SOLE   25,205 0 4,614
ISHARES TR S&P 500 GRWT ETF 464287309 1,072 16,800 SH   SOLE   16,800 0 0
ISHARES TR S&P SML 600 GWT 464287887 339 2,966 SH   SOLE   2,966 0 0
ISHARES TR SP SMCP600VL ETF 464287879 359 4,420 SH   SOLE   4,420 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 330 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 414 7,386 SH   SOLE   6,803 0 583
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 604 6,634 SH   SOLE   6,634 0 0
SPDR GOLD TR GOLD SHS 78463V107 11,579 64,917 SH   SOLE   50,070 0 14,847
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,984 7,973 SH   SOLE   6,145 0 1,828
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,506 30,557 SH   SOLE   30,557 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 506 5,735 SH   SOLE   5,735 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,550 6,118 SH   SOLE   6,118 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,433 17,639 SH   SOLE   17,639 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,678 14,108 SH   SOLE   14,108 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,370 346,630 SH   SOLE   259,276 0 87,354
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 266 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 980 6,193 SH   SOLE   4,868 0 1,325
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,087 383,125 SH   SOLE   255,430 0 127,695
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,956 76,015 SH   SOLE   32,737 0 43,278
VANGUARD WORLD FD ESG INTL STK ETF 921910725 251 4,235 SH   SOLE   4,235 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,127 6,481 SH   SOLE   6,180 0 301
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,953 26,610 SH   SOLE   19,242 0 7,368