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
ISHARES TR Common 464287176 489 4,339 SH   SOLE   4,339 0 0
VANGUARD INDEX FDS Common 922908769 2,547,511 18,686,358 SH   SOLE   18,686,358 0 0
ISHARES TR Common 464287408 177,522 1,615,454 SH   SOLE   1,615,454 0 0
ISHARES TR Common 464287473 63,793 734,689 SH   SOLE   734,689 0 0
ISHARES TR Common 464287630 65,528 527,901 SH   SOLE   527,901 0 0
ISHARES TR Common 464287457 1,272 15,277 SH   SOLE   15,277 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 3,189,991 71,189,264 SH   SOLE   71,189,264 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 1,293,501 28,316,578 SH   SOLE   28,316,578 0 0
ISHARES TR Common 464288679 231,362 2,096,432 SH   SOLE   2,096,432 0 0
VANGUARD BD INDEX FD INC Common 921937835 225,260 2,849,586 SH   SOLE   2,849,586 0 0
VANGUARD INDEX FDS Common 922908553 2,153 28,297 SH   SOLE   28,297 0 0
ISHARES TR Common 464287226 94,408 890,644 SH   SOLE   890,644 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 90,667 1,177,946 SH   SOLE   1,177,946 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 768,954 14,083,400 SH   SOLE   14,083,400 0 0
VANGUARD MALVERN FDS Common 922020805 208,575 4,266,209 SH   SOLE   4,266,209 0 0
ISHARES TR Common 464287242 68,583 595,236 SH   SOLE   595,236 0 0
ISHARES TR Common 464288414 705,519 6,534,403 SH   SOLE   6,534,403 0 0
ISHARES TR Common 464288356 5,327 91,995 SH   SOLE   91,995 0 0
ISHARES TR Common 464288323 696 12,792 SH   SOLE   12,792 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 13,162 157,306 SH   SOLE   157,306 0 0
SPDR SERIES TRUST Common 78468R721 242,949 5,096,477 SH   SOLE   5,096,477 0 0
ISHARES TR Common 464288281 322,293 2,926,211 SH   SOLE   2,926,211 0 0
POWERSHARES GLOBAL ETF TRUST Common 73936T573 1,924 70,055 SH   SOLE   70,055 0 0
SCHWAB STRATEGIC TR Common 808524102 190,062 2,968,327 SH   SOLE   2,968,327 0 0
ISHARES TR Common 464287150 7,760 127,940 SH   SOLE   127,940 0 0
VANGUARD INDEX FDS Common 922908744 1,234,573 11,915,576 SH   SOLE   11,915,576 0 0
SCHWAB STRATEGIC TR Common 808524409 1,818 34,420 SH   SOLE   34,420 0 0
VANGUARD INDEX FDS Common 922908512 637,019 5,797,407 SH   SOLE   5,797,407 0 0
ISHARES TR Common 464287705 1,924 12,378 SH   SOLE   12,378 0 0
VANGUARD INDEX FDS Common 922908611 537,204 4,134,248 SH   SOLE   4,134,248 0 0
ISHARES TR Common 464287879 1,462 9,524 SH   SOLE   9,524 0 0
SCHWAB STRATEGIC TR Common 808524805 455,777 13,330,717 SH   SOLE   13,330,717 0 0
ISHARES TR Common 46432F842 9,059 135,943 SH   SOLE   135,943 0 0
SCHWAB STRATEGIC TR Common 808524706 3,774 135,613 SH   SOLE   135,613 0 0
ISHARES INC Common 46434G103 116,445 2,048,287 SH   SOLE   2,048,287 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,195 19,510 SH   SOLE   19,510 0 0
ISHARES TR Common 464287200 1,988 7,466 SH   SOLE   7,466 0 0
VANGUARD BD INDEX FD INC Common 921937793 1,290 14,562 SH   SOLE   14,562 0 0
VANGUARD INDEX FDS Common 922908751 2,784 18,881 SH   SOLE   18,881 0 0
VANGUARD INDEX FDS Common 922908363 5,188 21,357 SH   SOLE   21,357 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 3,405 150,017 SH   SOLE   150,017 0 0
VANGUARD INDEX FDS Common 922908736 5,525 38,835 SH   SOLE   38,835 0 0
VANGUARD STAR FD Common 921909768 656 11,542 SH   SOLE   11,542 0 0
SPDR SERIES TRUST Common 78468R663 266 2,903 SH   SOLE   2,903 0 0
POWERSHARES ETF TRUST Common 73935X195 468 38,383 SH   SOLE   38,383 0 0
INDEXIQ ETF TR Common 45409B107 848 27,911 SH   SOLE   27,911 0 0
WISDOMTREE TR Common 97717W125 6,899 172,919 SH   SOLE   172,919 0 0
VANGUARD BD INDEX FD INC Common 921937819 1,433 17,748 SH   SOLE   17,748 0 0
ETFS GOLD TR Common 26922Y105 994 7,783 SH   SOLE   7,783 0 0
VANGUARD WORLD FDS Common 92204A405 207 2,996 SH   SOLE   2,996 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 675 8,166 SH   SOLE   8,166 0 0
VANGUARD BD INDEX FD INC Common 921937827 2,800 35,827 SH   SOLE   35,827 0 0
ISHARES TR Common 464288638 790 7,429 SH   SOLE   7,429 0 0
ISHARES TR Common 464288646 4,021 38,765 SH   SOLE   38,765 0 0
ISHARES TR Common 464288273 2,332 35,536 SH   SOLE   35,536 0 0
SPDR SERIES TRUST Common 78464A292 427 9,979 SH   SOLE   9,979 0 0
ISHARES TR Common 464288588 5,953 57,342 SH   SOLE   57,342 0 0
MARKET VECTORS ETF TR Common 92189F361 414 13,308 SH   SOLE   13,308 0 0
ISHARES TR Common 464288653 285 2,194 SH   SOLE   2,194 0 0
VANGUARD BD INDEX FD INC Common 92206C847 277 3,775 SH   SOLE   3,775 0 0
ISHARES TR Common 464288661 3,195 26,734 SH   SOLE   26,734 0 0
CAMBRIA ETF TR Common 132061888 5,460 217,342 SH   SOLE   217,342 0 0
CAMBRIA ETF TR Common 132061409 5,595 214,954 SH   SOLE   214,954 0 0
CAMBRIA ETF TR Common 132061508 28,698 1,043,948 SH   SOLE   1,043,948 0 0
CAMBRIA ETF TR Common 132061201 3,530 92,688 SH   SOLE   92,688 0 0
CAMBRIA ETF TR Common 132061300 1,884 70,830 SH   SOLE   70,830 0 0
CAMBRIA ETF TR Common 132061706 2,119 58,964 SH   SOLE   58,964 0 0
POWERSHARES ACTIVELY MANAGED EXCHANGE-TRADED COMMODITY FUND TRUST Common 73937V106 966 52,408 SH   SOLE   52,408 0 0
CAMBRIA ETF TR Common 132061805 3,865 139,267 SH   SOLE   139,267 0 0
WISDOMTREE TR Common 97717W547 563 6,973 SH   SOLE   6,973 0 0
VANGUARD BD INDEX FD INC Common 922907746 439 8,694 SH   SOLE   8,694 0 0
VANECK VECTORS TR Common 92189F494 1,008 53,798 SH   SOLE   53,798 0 0
VANGUARD BD INDEX FD INC Common 92206C771 1,457 28,449 SH   SOLE   28,449 0 0
Goldman Sachs Common 381430503 33,349 623,815 SH   SOLE   623,815 0 0
Goldman Sachs Common 381430107 16,182 534,781 SH   SOLE   534,781 0 0
Goldman Sachs Common 381430206 12,194 340,316 SH   SOLE   340,316 0 0
ISHARES TR Common 464288513 4,130 48,189 SH   SOLE   48,189 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 3,518 39,643 SH   SOLE   39,643 0 0
ISHARES TR Common 464286517 4,493 92,249 SH   SOLE   92,249 0 0
ISHARES TR Common 464287622 200 1,360 SH   SOLE   1,360 0 0
VANGUARD INTL EQUITY INDEX F Common 922042718 266 2,224 SH   SOLE   2,224 0 0
ISHARES TR Common 464289511 503 8,576 SH   SOLE   8,576 0 0
Vanguard Common 922908595 514 3,128 SH   SOLE   3,128 0 0
Vanguard Common 922908538 1,515 11,787 SH   SOLE   11,787 0 0
iShares Common 46432F834 386 6,089 SH   SOLE   6,089 0 0
Goldman Sachs Common 381430529 1,719 17,180 SH   SOLE   17,180 0 0
iShares Common 46429B655 4,498 88,136 SH   SOLE   88,136 0 0
iShares Common 464288570 32,541 331,202 SH   SOLE   331,202 0 0
iShares Common 464288802 3,557 31,980 SH   SOLE   31,980 0 0
iShares Common 464286285 2,088 43,391 SH   SOLE   43,391 0 0
Goldman Sachs Common 381430602 2,481 56,732 SH   SOLE   56,732 0 0
Goldman Sachs Common 381430479 1,512 31,356 SH   SOLE   31,356 0 0
Goldman Sachs Common 381430453 2,436 50,103 SH   SOLE   50,103 0 0