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 323 2,531 SH   SOLE   2,531 0 0
VANGUARD INDEX FDS Common 922908769 4,677,344 24,030,744 SH   SOLE   24,030,744 0 0
ISHARES TR Common 464287408 83,174 649,692 SH   SOLE   649,692 0 0
ISHARES TR Common 464287598 204 1,489 SH   SOLE   1,489 0 0
ISHARES TR Common 464287473 190,027 1,959,848 SH   SOLE   1,959,848 0 0
ISHARES TR Common 464287630 153,008 1,161,350 SH   SOLE   1,161,350 0 0
ISHARES TR Common 464287457 6,641 76,885 SH   SOLE   76,885 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 3,500,382 74,144,935 SH   SOLE   74,144,935 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,440,342 48,699,703 SH   SOLE   48,699,703 0 0
SPDR SP 500 ETF TR Common 78462F103 798 2,134 SH   SOLE   2,134 0 0
ISHARES TR Common 464288679 914,295 8,271,920 SH   SOLE   8,271,920 0 0
VANGUARD BD INDEX FD INC Common 921937835 152,821 1,732,856 SH   SOLE   1,732,856 0 0
VANGUARD INDEX FDS Common 922908553 1,292 15,212 SH   SOLE   15,212 0 0
ISHARES TR Common 464287226 577,220 4,883,828 SH   SOLE   4,883,828 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 84,985 1,032,626 SH   SOLE   1,032,626 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,379,182 23,555,621 SH   SOLE   23,555,621 0 0
VANGUARD MALVERN FDS Common 922020805 382,262 7,480,669 SH   SOLE   7,480,669 0 0
ISHARES TR Common 464287242 17,202 124,538 SH   SOLE   124,538 0 0
ISHARES TR Common 464288414 828,097 7,065,677 SH   SOLE   7,065,677 0 0
ISHARES TR Common 464288356 3,762 59,869 SH   SOLE   59,869 0 0
ISHARES TR Common 464288323 2,627 45,092 SH   SOLE   45,092 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,293 33,904 SH   SOLE   33,904 0 0
SPDR SERIES TRUST Common 78468R721 204,959 3,904,730 SH   SOLE   3,904,730 0 0
ISHARES TR Common 464288281 700,229 6,041,144 SH   SOLE   6,041,144 0 0
Invesco Common 46138E784 2,578 89,395 SH   SOLE   89,395 0 0
SCHWAB STRATEGIC TR Common 808524102 411,467 4,522,116 SH   SOLE   4,522,116 0 0
ISHARES TR Common 464287150 901,915 10,460,625 SH   SOLE   10,460,625 0 0
VANGUARD INDEX FDS Common 922908744 1,292,950 10,868,780 SH   SOLE   10,868,780 0 0
SCHWAB STRATEGIC TR Common 808524409 153,818 2,583,875 SH   SOLE   2,583,875 0 0
VANGUARD INDEX FDS Common 922908512 1,103,356 9,275,014 SH   SOLE   9,275,014 0 0
ISHARES TR Common 464287705 11,449 132,669 SH   SOLE   132,669 0 0
VANGUARD INDEX FDS Common 922908611 1,015,799 7,142,953 SH   SOLE   7,142,953 0 0
ISHARES TR Common 464287879 205 2,521 SH   SOLE   2,521 0 0
SCHWAB STRATEGIC TR Common 808524805 745,149 20,692,837 SH   SOLE   20,692,837 0 0
ISHARES TR Common 46432F842 431,224 6,241,475 SH   SOLE   6,241,475 0 0
SCHWAB STRATEGIC TR Common 808524706 2,932 95,647 SH   SOLE   95,647 0 0
ISHARES INC Common 46434G103 355,181 5,725,032 SH   SOLE   5,725,032 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 549 3,890 SH   SOLE   3,890 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,193 21,975 SH   SOLE   21,975 0 0
ISHARES TR Common 464287200 2,747 7,319 SH   SOLE   7,319 0 0
SCHWAB STRATEGIC TR Common 808524847 1,395 36,729 SH   SOLE   36,729 0 0
Invesco Common 46090E103 254 809 SH   SOLE   809 0 0
VANGUARD BD INDEX FD INC Common 921937793 7,950 72,509 SH   SOLE   72,509 0 0
ISHARES TR Common 464287655 225 1,147 SH   SOLE   1,147 0 0
ISHARES Common 464289479 615 8,043 SH   SOLE   8,043 0 0
ISHARES TR Common 464287440 2,127 17,731 SH   SOLE   17,731 0 0
VANGUARD INDEX FDS Common 922908751 9,229 47,408 SH   SOLE   47,408 0 0
VANGUARD INDEX FDS Common 922908363 39,004 113,487 SH   SOLE   113,487 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 1,824 87,001 SH   SOLE   87,001 0 0
SCHWAB STRATEGIC TR Common 808524797 263 4,094 SH   SOLE   4,094 0 0
VANGUARD INDEX FDS Common 922908736 28,397 112,089 SH   SOLE   112,089 0 0
VANGUARD STAR FD Common 921909768 709 11,789 SH   SOLE   11,789 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 433 2,582 SH   SOLE   2,582 0 0
DBX ETF TR Common 233051879 288 7,196 SH   SOLE   7,196 0 0
Invesco Common 46137V589 1,205 89,388 SH   SOLE   89,388 0 0
INDEXIQ ETF TR Common 45409B107 1,194 37,391 SH   SOLE   37,391 0 0
WISDOMTREE TR Common 97717W125 3,624 97,718 SH   SOLE   97,718 0 0
VANGUARD BD INDEX FD INC Common 921937819 7,455 80,288 SH   SOLE   80,288 0 0
ETFS GOLD TR Common 00326A104 552 30,211 SH   SOLE   30,211 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 804 8,787 SH   SOLE   8,787 0 0
VANGUARD BD INDEX FD INC Common 921937827 13,542 163,349 SH   SOLE   163,349 0 0
ISHARES TR Common 464288646 9,785 177,362 SH   SOLE   177,362 0 0
ISHARES TR Common 464288687 629 16,342 SH   SOLE   16,342 0 0
ISHARES TR Common 464288588 7,556 68,608 SH   SOLE   68,608 0 0
MARKET VECTORS ETF TR Common 92189H409 553 8,993 SH   SOLE   8,993 0 0
ISHARES TR Common 464288653 311 1,954 SH   SOLE   1,954 0 0
ISHARES TR Common 464287432 353 2,239 SH   SOLE   2,239 0 0
VANGUARD BD INDEX FD INC Common 92206C847 224 2,339 SH   SOLE   2,339 0 0
CAMBRIA ETF TR Common 132061888 2,984 153,825 SH   SOLE   153,825 0 0
CAMBRIA ETF TR Common 132061409 3,152 147,411 SH   SOLE   147,411 0 0
CAMBRIA ETF TR Common 132061508 14,675 566,162 SH   SOLE   566,162 0 0
CAMBRIA ETF TR Common 132061201 2,240 50,229 SH   SOLE   50,229 0 0
CAMBRIA ETF TR Common 132061300 1,072 44,352 SH   SOLE   44,352 0 0
CAMBRIA ETF TR Common 132061706 1,309 37,930 SH   SOLE   37,930 0 0
Invesco Common 46090F100 519 33,982 SH   SOLE   33,982 0 0
CAMBRIA ETF TR Common 132061805 2,221 83,793 SH   SOLE   83,793 0 0
WISDOMTREE TR Common 97717W547 380 3,847 SH   SOLE   3,847 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,027 18,614 SH   SOLE   18,614 0 0
VANECK VECTORS TR Common 92189H300 476 14,293 SH   SOLE   14,293 0 0
VANGUARD INDEX FDS Common 921932505 1,634 7,100 SH   SOLE   7,100 0 0
VANGUARD INDEX FDS Common 921932703 1,645 13,301 SH   SOLE   13,301 0 0
VANGUARD BD INDEX FD INC Common 92206C771 7,782 143,917 SH   SOLE   143,917 0 0
ISHARES TR Common 46435G672 445 7,917 SH   SOLE   7,917 0 0
Goldman Sachs Common 381430503 135,481 1,789,950 SH   SOLE   1,789,950 0 0
Goldman Sachs Common 381430107 53,854 1,688,215 SH   SOLE   1,688,215 0 0
Goldman Sachs Common 381430206 12,030 315,181 SH   SOLE   315,181 0 0
ISHARES TR Common 464288513 11,625 133,158 SH   SOLE   133,158 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 8,540 76,891 SH   SOLE   76,891 0 0
ISHARES TR Common 464287622 501 2,367 SH   SOLE   2,367 0 0
ISHARES TR Common 464289511 1,853 25,374 SH   SOLE   25,374 0 0
Vanguard Common 922908595 1,361 5,086 SH   SOLE   5,086 0 0
Vanguard Common 922908538 3,846 18,134 SH   SOLE   18,134 0 0
Vanguard Common 922042742 552 5,959 SH   SOLE   5,959 0 0
iShares Common 464287648 348 1,214 SH   SOLE   1,214 0 0
iShares Common 46434V407 2,974 65,449 SH   SOLE   65,449 0 0
Goldman Sachs Common 381430529 6,599 65,910 SH   SOLE   65,910 0 0
iShares Common 46429B655 7,201 141,968 SH   SOLE   141,968 0 0
iShares Common 46431W507 31,410 626,062 SH   SOLE   626,062 0 0
SPDR State Street Global Advisors Common 78464A300 13,380 202,149 SH   SOLE   202,149 0 0
Vanguard Common 921932869 814 4,550 SH   SOLE   4,550 0 0
iShares Common 464288570 77,759 1,086,928 SH   SOLE   1,086,928 0 0
iShares Common 464288802 27,007 327,992 SH   SOLE   327,992 0 0
iShares Common 46434V464 48,524 326,127 SH   SOLE   326,127 0 0
SPDR State Street Global Advisors Common 78464A508 11,596 337,205 SH   SOLE   337,205 0 0
SPDR State Street Global Advisors Common 78463X509 9,541 226,306 SH   SOLE   226,306 0 0
SPDR State Street Global Advisors Common 78468R747 1,072 11,953 SH   SOLE   11,953 0 0
iShares Common 464286285 2,889 62,339 SH   SOLE   62,339 0 0
SPDR State Street Global Advisors Common 78468R796 21,957 236,152 SH   SOLE   236,152 0 0
iShares Common 46435G516 111,106 1,521,167 SH   SOLE   1,521,167 0 0
iShares Common 46431W705 1,020 10,680 SH   SOLE   10,680 0 0
iShares Common 46434G863 37,860 901,859 SH   SOLE   901,859 0 0
SPDR State Street Global Advisors Common 78470E106 8,775 112,620 SH   SOLE   112,620 0 0
iShares Common 46435G425 68,240 793,209 SH   SOLE   793,209 0 0
SPDR State Street Global Advisors Common 78470E205 5,423 70,272 SH   SOLE   70,272 0 0
Goldman Sachs Common 381430602 10,927 201,874 SH   SOLE   201,874 0 0
Goldman Sachs Common 381430479 20,173 358,687 SH   SOLE   358,687 0 0
Goldman Sachs Common 381430453 1,822 36,181 SH   SOLE   36,181 0 0
XTRACKERS Common 233051432 1,553 30,997 SH   SOLE   30,997 0 0
GraniteShares Common 38747R108 873 37,144 SH   SOLE   37,144 0 0
JP Morgan Common 46641Q837 161,393 3,177,653 SH   SOLE   3,177,653 0 0
Goldman Sachs Common 381430362 2,091 36,440 SH   SOLE   36,440 0 0
iShares Common 46435U549 3,293 58,243 SH   SOLE   58,243 0 0
Goldman Sachs Common 38149W101 1,512 30,207 SH   SOLE   30,207 0 0
Impact Shares Common 45259A209 1,040 36,036 SH   SOLE   36,036 0 0
iShares Common 46435U440 12,778 227,170 SH   SOLE   227,170 0 0