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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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 1,238 360 SH   SOLE   360 0 0
ISHARES GOLD TR ISHARES NEW 464285204 18,225 540,636 SH   SOLE   408,071 0 132,565
ISHARES TR AGGRES ALLOC ETF 464289859 229 3,240 SH   SOLE   3,240 0 0
ISHARES TR CORE S&P MCP ETF 464287507 770 2,864 SH   SOLE   2,864 0 0
ISHARES TR CORE S&P SCP ETF 464287804 803 7,106 SH   SOLE   7,106 0 0
ISHARES TR EAFE GRWTH ETF 464288885 850 7,922 SH   SOLE   7,922 0 0
ISHARES TR EAFE VALUE ETF 464288877 781 15,088 SH   SOLE   15,088 0 0
ISHARES TR MSCI EAFE ETF 464287465 34,678 439,633 SH   SOLE   335,182 0 104,451
ISHARES TR MSCI EMG MKT ETF 464287234 16,048 290,981 SH   SOLE   206,139 0 84,842
ISHARES TR RUS 1000 ETF 464287622 157,341 649,953 SH   SOLE   502,754 0 147,199
ISHARES TR RUS 1000 GRW ETF 464287614 16,517 60,839 SH   SOLE   60,839 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 11,588 73,056 SH   SOLE   73,056 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,541 11,360 SH   SOLE   11,360 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 3,336 20,126 SH   SOLE   20,126 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 23,509 102,495 SH   SOLE   79,010 0 23,485
ISHARES TR RUSSELL 3000 ETF 464287689 6,272 24,508 SH   SOLE   22,033 0 2,475
ISHARES TR S&P 500 GRWT ETF 464287309 1,159 15,930 SH   SOLE   15,930 0 0
ISHARES TR S&P SML 600 GWT 464287887 363 2,736 SH   SOLE   2,736 0 0
ISHARES TR SP SMCP600VL ETF 464287879 466 4,420 SH   SOLE   4,420 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 354 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 679 6,514 SH   SOLE   6,514 0 0
SPDR GOLD TR GOLD SHS 78463V107 10,715 64,694 SH   SOLE   52,022 0 12,672
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,881 6,726 SH   SOLE   5,026 0 1,700
VANGUARD INDEX FDS GROWTH ETF 922908736 1,677 5,848 SH   SOLE   5,848 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,902 17,514 SH   SOLE   17,514 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,967 14,308 SH   SOLE   14,308 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,869 365,843 SH   SOLE   274,202 0 91,641
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 265 3,200 SH   SOLE   3,200 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,273 13,750 SH   SOLE   11,100 0 2,650
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,902 425,123 SH   SOLE   262,628 0 162,495
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,962 75,998 SH   SOLE   37,661 0 38,337
VANGUARD WORLD FD ESG INTL STK ETF 921910725 271 4,219 SH   SOLE   4,219 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 7,709 31,193 SH   SOLE   21,544 0 9,649