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 382 3,040 SH   SOLE   3,040 0 0
VANGUARD INDEX FDS Common 922908769 5,329,209 25,783,586 SH   SOLE   25,783,586 0 0
ISHARES TR Common 464287408 86,418 611,853 SH   SOLE   611,853 0 0
ISHARES TR Common 464287598 413 2,726 SH   SOLE   2,726 0 0
ISHARES TR Common 464287473 205,420 1,879,412 SH   SOLE   1,879,412 0 0
ISHARES TR Common 464287630 176,862 1,109,064 SH   SOLE   1,109,064 0 0
ISHARES TR Common 464287457 5,258 60,958 SH   SOLE   60,958 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 3,982,773 81,099,030 SH   SOLE   81,099,030 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,668,862 51,274,967 SH   SOLE   51,274,967 0 0
SPDR SP 500 ETF TR Common 78462F103 380 958 SH   SOLE   958 0 0
ISHARES TR Common 464288679 847,900 7,672,609 SH   SOLE   7,672,609 0 0
VANGUARD BD INDEX FD INC Common 921937835 141,235 1,667,078 SH   SOLE   1,667,078 0 0
VANGUARD INDEX FDS Common 922908553 474 5,156 SH   SOLE   5,156 0 0
ISHARES TR Common 464287226 657,301 5,774,405 SH   SOLE   5,774,405 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 106,768 1,377,654 SH   SOLE   1,377,654 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,510,975 26,452,644 SH   SOLE   26,452,644 0 0
VANGUARD MALVERN FDS Common 922020805 433,919 8,419,074 SH   SOLE   8,419,074 0 0
ISHARES TR Common 464287242 18,375 141,288 SH   SOLE   141,288 0 0
ISHARES TR Common 464288414 948,138 8,170,086 SH   SOLE   8,170,086 0 0
ISHARES TR Common 464288356 3,707 59,676 SH   SOLE   59,676 0 0
ISHARES TR Common 464288323 4,061 70,395 SH   SOLE   70,395 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,764 40,461 SH   SOLE   40,461 0 0
SPDR SERIES TRUST Common 78468R721 199,931 3,870,140 SH   SOLE   3,870,140 0 0
ISHARES TR Common 464288281 738,623 6,783,830 SH   SOLE   6,783,830 0 0
Invesco Common 46138E784 2,421 90,435 SH   SOLE   90,435 0 0
SCHWAB STRATEGIC TR Common 808524102 410,096 4,240,472 SH   SOLE   4,240,472 0 0
ISHARES TR Common 464287150 949,265 10,363,151 SH   SOLE   10,363,151 0 0
VANGUARD INDEX FDS Common 922908744 1,542,034 11,730,064 SH   SOLE   11,730,064 0 0
SCHWAB STRATEGIC TR Common 808524409 165,387 2,533,495 SH   SOLE   2,533,495 0 0
VANGUARD INDEX FDS Common 922908512 1,313,957 9,742,393 SH   SOLE   9,742,393 0 0
ISHARES TR Common 464287705 8,605 84,417 SH   SOLE   84,417 0 0
VANGUARD INDEX FDS Common 922908611 1,192,970 7,203,489 SH   SOLE   7,203,489 0 0
SCHWAB STRATEGIC TR Common 808524805 733,670 19,502,116 SH   SOLE   19,502,116 0 0
ISHARES TR Common 46432F842 437,368 6,070,345 SH   SOLE   6,070,345 0 0
SCHWAB STRATEGIC TR Common 808524706 2,749 86,508 SH   SOLE   86,508 0 0
ISHARES INC Common 46434G103 370,334 5,754,102 SH   SOLE   5,754,102 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 642 4,368 SH   SOLE   4,368 0 0
SCHWAB STRATEGIC TR Common 808524870 1,520 24,848 SH   SOLE   24,848 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,145 20,539 SH   SOLE   20,539 0 0
ISHARES TR Common 464287200 2,964 7,451 SH   SOLE   7,451 0 0
SCHWAB STRATEGIC TR Common 808524847 2,167 52,735 SH   SOLE   52,735 0 0
Invesco Common 46090E103 453 1,420 SH   SOLE   1,420 0 0
VANGUARD BD INDEX FD INC Common 921937793 8,755 89,209 SH   SOLE   89,209 0 0
ISHARES TR Common 464287655 346 1,564 SH   SOLE   1,564 0 0
ISHARES Common 464289479 644 9,399 SH   SOLE   9,399 0 0
ISHARES TR Common 464287440 1,902 16,841 SH   SOLE   16,841 0 0
VANGUARD INDEX FDS Common 922908751 11,805 55,143 SH   SOLE   55,143 0 0
VANGUARD INDEX FDS Common 922908363 39,892 109,503 SH   SOLE   109,503 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 1,843 80,808 SH   SOLE   80,808 0 0
SCHWAB STRATEGIC TR Common 808524797 236 3,236 SH   SOLE   3,236 0 0
VANGUARD INDEX FDS Common 922908736 32,851 127,806 SH   SOLE   127,806 0 0
VANGUARD STAR FD Common 921909768 653 10,412 SH   SOLE   10,412 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 548 2,754 SH   SOLE   2,754 0 0
DBX ETF TR Common 233051879 286 7,396 SH   SOLE   7,396 0 0
Invesco Common 46137V589 1,345 92,678 SH   SOLE   92,678 0 0
INDEXIQ ETF TR Common 45409B107 1,239 38,974 SH   SOLE   38,974 0 0
WISDOMTREE TR Common 97717W125 3,707 95,118 SH   SOLE   95,118 0 0
VANGUARD BD INDEX FD INC Common 921937819 8,030 90,497 SH   SOLE   90,497 0 0
ETFS GOLD TR Common 00326A104 584 35,636 SH   SOLE   35,636 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 861 8,521 SH   SOLE   8,521 0 0
VANGUARD BD INDEX FD INC Common 921937827 15,680 190,772 SH   SOLE   190,772 0 0
ISHARES TR Common 464288646 8,812 161,155 SH   SOLE   161,155 0 0
ISHARES TR Common 464288687 726 18,918 SH   SOLE   18,918 0 0
ISHARES TR Common 464288588 7,408 68,324 SH   SOLE   68,324 0 0
MARKET VECTORS ETF TR Common 92189H409 620 9,971 SH   SOLE   9,971 0 0
ISHARES TR Common 464288653 386 2,751 SH   SOLE   2,751 0 0
ISHARES TR Common 464287432 458 3,381 SH   SOLE   3,381 0 0
CAMBRIA ETF TR Common 132061888 3,148 135,278 SH   SOLE   135,278 0 0
CAMBRIA ETF TR Common 132061409 2,927 132,159 SH   SOLE   132,159 0 0
CAMBRIA ETF TR Common 132061508 15,657 548,410 SH   SOLE   548,410 0 0
CAMBRIA ETF TR Common 132061201 2,183 36,351 SH   SOLE   36,351 0 0
CAMBRIA ETF TR Common 132061300 1,088 40,280 SH   SOLE   40,280 0 0
CAMBRIA ETF TR Common 132061706 1,240 32,754 SH   SOLE   32,754 0 0
Invesco Common 46090F100 575 33,348 SH   SOLE   33,348 0 0
WISDOMTREE TR Common 97717W547 219 1,942 SH   SOLE   1,942 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,277 23,374 SH   SOLE   23,374 0 0
VANECK VECTORS TR Common 92189H300 1,352 44,059 SH   SOLE   44,059 0 0
VANGUARD INDEX FDS Common 921932505 2,477 10,541 SH   SOLE   10,541 0 0
VANGUARD INDEX FDS Common 921932703 1,836 13,429 SH   SOLE   13,429 0 0
ISHARES TR Common 46432F859 260 5,075 SH   SOLE   5,075 0 0
ISHARES TR Common 464288612 620 5,398 SH   SOLE   5,398 0 0
VANGUARD BD INDEX FD INC Common 92206C771 9,044 169,460 SH   SOLE   169,460 0 0
ISHARES TR Common 46435G672 782 14,252 SH   SOLE   14,252 0 0
Goldman Sachs Common 381430503 151,025 1,908,812 SH   SOLE   1,908,812 0 0
Goldman Sachs Common 381430107 65,905 1,994,714 SH   SOLE   1,994,714 0 0
Goldman Sachs Common 381430206 13,443 340,408 SH   SOLE   340,408 0 0
ISHARES TR Common 464288513 9,470 108,631 SH   SOLE   108,631 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 5,020 49,578 SH   SOLE   49,578 0 0
ISHARES TR Common 464287622 229 1,025 SH   SOLE   1,025 0 0
ISHARES TR Common 464289511 1,458 21,867 SH   SOLE   21,867 0 0
Vanguard Common 922908595 1,281 4,664 SH   SOLE   4,664 0 0
Vanguard Common 922908538 3,629 16,911 SH   SOLE   16,911 0 0
Vanguard Common 922042742 546 5,614 SH   SOLE   5,614 0 0
iShares Common 464287614 272 1,120 SH   SOLE   1,120 0 0
iShares Common 464287648 339 1,126 SH   SOLE   1,126 0 0
iShares Common 46434V407 2,715 59,274 SH   SOLE   59,274 0 0
Goldman Sachs Common 381430529 12,165 121,488 SH   SOLE   121,488 0 0
iShares Common 46429B655 5,803 114,286 SH   SOLE   114,286 0 0
iShares Common 46432F396 352 2,189 SH   SOLE   2,189 0 0
iShares Common 46431W507 23,131 460,869 SH   SOLE   460,869 0 0
Invesco Common 46138E743 298 6,452 SH   SOLE   6,452 0 0
SPDR State Street Global Advisors Common 78464A300 10,408 126,938 SH   SOLE   126,938 0 0
Vanguard Common 921932869 874 4,493 SH   SOLE   4,493 0 0
iShares Common 464288570 71,209 932,544 SH   SOLE   932,544 0 0
iShares Common 464288802 26,932 306,671 SH   SOLE   306,671 0 0
iShares Common 46434V464 82,425 527,893 SH   SOLE   527,893 0 0
iShares Common 46434V647 281 11,018 SH   SOLE   11,018 0 0
SPDR State Street Global Advisors Common 78464A508 9,298 245,331 SH   SOLE   245,331 0 0
SPDR State Street Global Advisors Common 78463X509 7,820 178,624 SH   SOLE   178,624 0 0
SPDR State Street Global Advisors Common 78468R747 1,977 20,825 SH   SOLE   20,825 0 0
iShares Common 464286285 2,941 66,125 SH   SOLE   66,125 0 0
SPDR State Street Global Advisors Common 78468R796 40,004 407,328 SH   SOLE   407,328 0 0
iShares Common 46435G516 148,789 1,960,330 SH   SOLE   1,960,330 0 0
iShares Common 46434G863 46,791 1,080,373 SH   SOLE   1,080,373 0 0
SPDR State Street Global Advisors Common 78470E106 16,461 205,040 SH   SOLE   205,040 0 0
iShares Common 46435G474 2,061 70,501 SH   SOLE   70,501 0 0
iShares Common 46435G425 127,525 1,403,378 SH   SOLE   1,403,378 0 0
SPDR State Street Global Advisors Common 78470E205 9,651 121,324 SH   SOLE   121,324 0 0
Goldman Sachs Common 381430602 20,639 330,866 SH   SOLE   330,866 0 0
Goldman Sachs Common 381430479 14,609 273,774 SH   SOLE   273,774 0 0
Goldman Sachs Common 381430453 2,510 50,149 SH   SOLE   50,149 0 0
XTRACKERS Common 233051432 1,781 35,629 SH   SOLE   35,629 0 0
ISHARES Common 46435U853 1,967 47,756 SH   SOLE   47,756 0 0
GraniteShares Common 38747R108 1,563 62,644 SH   SOLE   62,644 0 0
JP Morgan Common 46641Q837 173,252 3,413,155 SH   SOLE   3,413,155 0 0
Goldman Sachs Common 381430362 2,213 39,107 SH   SOLE   39,107 0 0
iShares Common 46435U549 6,358 116,200 SH   SOLE   116,200 0 0
Goldman Sachs Common 38149W101 4,308 89,291 SH   SOLE   89,291 0 0
Impact Shares Common 45259A209 1,941 63,729 SH   SOLE   63,729 0 0
iShares Common 46435U440 19,861 363,291 SH   SOLE   363,291 0 0
Cambria Funds Common 132061813 927 30,969 SH   SOLE   30,969 0 0
Dynamic Beta Investments Common 56170L828 300 10,916 SH   SOLE   10,916 0 0
ISHARES Common 46435G193 416 15,448 SH   SOLE   15,448 0 0