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 371 2,902 SH   SOLE   2,902 0 0
VANGUARD INDEX FDS Common 922908769 6,115,859 27,541,472 SH   SOLE   27,541,472 0 0
ISHARES TR Common 464287408 83,842 576,550 SH   SOLE   576,550 0 0
ISHARES TR Common 464287598 428 2,735 SH   SOLE   2,735 0 0
ISHARES TR Common 464287473 216,940 1,915,588 SH   SOLE   1,915,588 0 0
ISHARES TR Common 464287630 180,386 1,125,796 SH   SOLE   1,125,796 0 0
ISHARES TR Common 464287457 2,840 32,960 SH   SOLE   32,960 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 4,563,056 90,375,434 SH   SOLE   90,375,434 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,891,258 57,813,602 SH   SOLE   57,813,602 0 0
SPDR SP 500 ETF TR Common 78462F103 540 1,258 SH   SOLE   1,258 0 0
ISHARES TR Common 464288679 630,331 5,705,905 SH   SOLE   5,705,905 0 0
VANGUARD BD INDEX FD INC Common 921937835 135,106 1,581,109 SH   SOLE   1,581,109 0 0
VANGUARD INDEX FDS Common 922908553 871 8,560 SH   SOLE   8,560 0 0
ISHARES TR Common 464287226 784,188 6,829,117 SH   SOLE   6,829,117 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 104,880 1,339,462 SH   SOLE   1,339,462 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,739,550 30,539,845 SH   SOLE   30,539,845 0 0
VANGUARD MALVERN FDS Common 922020805 503,692 9,579,540 SH   SOLE   9,579,540 0 0
ISHARES TR Common 464287242 18,617 139,943 SH   SOLE   139,943 0 0
ISHARES TR Common 464288414 1,143,642 9,844,554 SH   SOLE   9,844,554 0 0
ISHARES TR Common 464288356 4,713 75,917 SH   SOLE   75,917 0 0
ISHARES TR Common 464288323 5,024 86,827 SH   SOLE   86,827 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,420 36,225 SH   SOLE   36,225 0 0
SPDR SERIES TRUST Common 78468R721 188,732 3,659,715 SH   SOLE   3,659,715 0 0
ISHARES TR Common 464288281 879,997 7,995,611 SH   SOLE   7,995,611 0 0
Invesco Common 46138E784 2,779 104,185 SH   SOLE   104,185 0 0
SCHWAB STRATEGIC TR Common 808524102 407,224 3,920,896 SH   SOLE   3,920,896 0 0
ISHARES TR Common 464287150 972,525 9,885,391 SH   SOLE   9,885,391 0 0
VANGUARD INDEX FDS Common 922908744 1,704,152 12,588,848 SH   SOLE   12,588,848 0 0
SCHWAB STRATEGIC TR Common 808524409 157,874 2,339,572 SH   SOLE   2,339,572 0 0
VANGUARD INDEX FDS Common 922908512 1,415,983 10,142,418 SH   SOLE   10,142,418 0 0
ISHARES TR Common 464287705 5,975 57,986 SH   SOLE   57,986 0 0
VANGUARD INDEX FDS Common 922908611 1,245,780 7,360,157 SH   SOLE   7,360,157 0 0
SCHWAB STRATEGIC TR Common 808524805 695,953 17,983,274 SH   SOLE   17,983,274 0 0
ISHARES TR Common 46432F842 449,975 6,060,267 SH   SOLE   6,060,267 0 0
SCHWAB STRATEGIC TR Common 808524706 2,737 89,781 SH   SOLE   89,781 0 0
ISHARES INC Common 46434G103 449,685 7,281,168 SH   SOLE   7,281,168 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 699 4,552 SH   SOLE   4,552 0 0
SCHWAB STRATEGIC TR Common 808524870 1,612 25,754 SH   SOLE   25,754 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 2,190 38,888 SH   SOLE   38,888 0 0
ISHARES TR Common 464287200 3,038 7,052 SH   SOLE   7,052 0 0
SCHWAB STRATEGIC TR Common 808524847 5,260 115,157 SH   SOLE   115,157 0 0
Invesco Common 46090E103 8,266 23,093 SH   SOLE   23,093 0 0
VANGUARD BD INDEX FD INC Common 921937793 10,819 105,722 SH   SOLE   105,722 0 0
ISHARES TR Common 464287655 357 1,633 SH   SOLE   1,633 0 0
ISHARES Common 464289479 885 12,370 SH   SOLE   12,370 0 0
ISHARES TR Common 464287440 3,546 30,779 SH   SOLE   30,779 0 0
VANGUARD INDEX FDS Common 922908751 16,331 74,683 SH   SOLE   74,683 0 0
VANGUARD INDEX FDS Common 922908629 503 2,125 SH   SOLE   2,125 0 0
VANGUARD INDEX FDS Common 922908363 43,692 110,782 SH   SOLE   110,782 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 917 38,726 SH   SOLE   38,726 0 0
ISHARES TR Common 464287689 236 926 SH   SOLE   926 0 0
SCHWAB STRATEGIC TR Common 808524797 221 2,980 SH   SOLE   2,980 0 0
VANGUARD INDEX FDS Common 922908736 42,643 146,958 SH   SOLE   146,958 0 0
SCHWAB STRATEGIC TR Common 808524607 264 2,633 SH   SOLE   2,633 0 0
ISHARES TR Common 464287309 381 5,161 SH   SOLE   5,161 0 0
VANGUARD STAR FD Common 921909768 847 13,384 SH   SOLE   13,384 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 659 3,270 SH   SOLE   3,270 0 0
SCHWAB STRATEGIC TR Common 808524201 358 3,441 SH   SOLE   3,441 0 0
DBX ETF TR Common 233051879 295 7,745 SH   SOLE   7,745 0 0
Invesco Common 46137V589 1,369 91,414 SH   SOLE   91,414 0 0
INDEXIQ ETF TR Common 45409B107 1,329 41,849 SH   SOLE   41,849 0 0
WISDOMTREE TR Common 97717W125 3,859 94,134 SH   SOLE   94,134 0 0
VANGUARD BD INDEX FD INC Common 921937819 11,657 130,337 SH   SOLE   130,337 0 0
ETFS GOLD TR Common 00326A104 607 36,028 SH   SOLE   36,028 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 910 8,806 SH   SOLE   8,806 0 0
VANGUARD BD INDEX FD INC Common 921937827 19,381 236,529 SH   SOLE   236,529 0 0
ISHARES TR Common 464288646 8,476 155,123 SH   SOLE   155,123 0 0
ISHARES Common 464286533 6,417 102,385 SH   SOLE   102,385 0 0
ISHARES TR Common 464288687 783 20,170 SH   SOLE   20,170 0 0
ISHARES TR Common 464288588 10,838 100,218 SH   SOLE   100,218 0 0
MARKET VECTORS ETF TR Common 92189H409 637 10,193 SH   SOLE   10,193 0 0
ISHARES TR Common 464288653 406 2,760 SH   SOLE   2,760 0 0
VANGUARD BD INDEX FD INC Common 92206C847 800 9,125 SH   SOLE   9,125 0 0
SPDR SERIES TRUST Common 78464A664 13,637 330,278 SH   SOLE   330,278 0 0
CAMBRIA ETF TR Common 132061888 3,307 137,911 SH   SOLE   137,911 0 0
CAMBRIA ETF TR Common 132061409 3,115 134,384 SH   SOLE   134,384 0 0
CAMBRIA ETF TR Common 132061508 15,937 544,678 SH   SOLE   544,678 0 0
CAMBRIA ETF TR Common 132061201 2,246 37,311 SH   SOLE   37,311 0 0
CAMBRIA ETF TR Common 132061300 1,158 42,979 SH   SOLE   42,979 0 0
CAMBRIA ETF TR Common 132061706 1,211 34,168 SH   SOLE   34,168 0 0
Invesco Common 46090F100 825 39,171 SH   SOLE   39,171 0 0
WISDOMTREE TR Common 97717W547 237 3,994 SH   SOLE   3,994 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,324 24,181 SH   SOLE   24,181 0 0
VANECK VECTORS TR Common 92189H300 1,364 45,498 SH   SOLE   45,498 0 0
VANGUARD INDEX FDS Common 921932505 3,364 12,614 SH   SOLE   12,614 0 0
VANGUARD INDEX FDS Common 921932703 2,109 14,997 SH   SOLE   14,997 0 0
ISHARES TR Common 46432F859 347 6,785 SH   SOLE   6,785 0 0
ISHARES TR Common 464288612 632 5,489 SH   SOLE   5,489 0 0
VANGUARD BD INDEX FD INC Common 92206C771 10,837 203,350 SH   SOLE   203,350 0 0
ISHARES TR Common 46435G672 1,214 22,063 SH   SOLE   22,063 0 0
Goldman Sachs Common 381430503 198,182 2,303,633 SH   SOLE   2,303,633 0 0
Goldman Sachs Common 381430107 93,362 2,732,278 SH   SOLE   2,732,278 0 0
Goldman Sachs Common 381430206 17,023 458,849 SH   SOLE   458,849 0 0
ISHARES TR Common 464288513 4,266 48,757 SH   SOLE   48,757 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 4,261 40,358 SH   SOLE   40,358 0 0
ISHARES TR Common 464289511 842 12,158 SH   SOLE   12,158 0 0
SCHWAB STRATEGIC TR Common 808524755 240 7,310 SH   SOLE   7,310 0 0
Vanguard Common 922908595 3,223 11,503 SH   SOLE   11,503 0 0
Vanguard Common 922042775 211 3,459 SH   SOLE   3,459 0 0
Vanguard Common 922908538 3,627 15,348 SH   SOLE   15,348 0 0
Vanguard Common 922042742 686 6,740 SH   SOLE   6,740 0 0
Vanguard Common 922908652 659 3,614 SH   SOLE   3,614 0 0
iShares Common 464287614 306 1,116 SH   SOLE   1,116 0 0
iShares Common 464287648 288 982 SH   SOLE   982 0 0
iShares Common 46429B747 379 3,591 SH   SOLE   3,591 0 0
iShares Common 46432F834 440 6,195 SH   SOLE   6,195 0 0
iShares Common 46434V407 7,000 153,179 SH   SOLE   153,179 0 0
Invesco Common 46137V357 315 2,104 SH   SOLE   2,104 0 0
Vanguard Common 92206C409 5,625 68,253 SH   SOLE   68,253 0 0
Goldman Sachs Common 381430529 231,438 2,312,532 SH   SOLE   2,312,532 0 0
iShares Common 46429B655 6,354 124,979 SH   SOLE   124,979 0 0
iShares Common 46432F339 599 4,544 SH   SOLE   4,544 0 0
iShares Common 464286525 6,167 60,030 SH   SOLE   60,030 0 0
iShares Common 46432F396 1,047 5,960 SH   SOLE   5,960 0 0
iShares Common 46431W507 15,615 311,437 SH   SOLE   311,437 0 0
Vanguard Common 92206C102 2,925 47,627 SH   SOLE   47,627 0 0
SPDR State Street Global Advisors Common 78467V608 450 9,774 SH   SOLE   9,774 0 0
iShares Common 464288158 1,155 10,738 SH   SOLE   10,738 0 0
SPDR State Street Global Advisors Common 78464A300 9,405 114,754 SH   SOLE   114,754 0 0
Van Eck Common 92189F643 6,277 85,698 SH   SOLE   85,698 0 0
Vanguard Common 921932869 773 3,927 SH   SOLE   3,927 0 0
Vanguard Common 921932844 244 1,532 SH   SOLE   1,532 0 0
WisdomTree Common 97717W570 451 8,679 SH   SOLE   8,679 0 0
iShares Common 464288570 63,579 764,075 SH   SOLE   764,075 0 0
SPDR State Street Global Advisors Common 78464A409 564 8,814 SH   SOLE   8,814 0 0
Van Eck Common 92189F437 1,986 60,085 SH   SOLE   60,085 0 0
iShares Common 464288802 25,884 269,762 SH   SOLE   269,762 0 0
iShares Common 46434V464 140,347 854,266 SH   SOLE   854,266 0 0
iShares Common 46434V647 282 10,294 SH   SOLE   10,294 0 0
SPDR State Street Global Advisors Common 78464A508 29,115 746,539 SH   SOLE   746,539 0 0
SPDR State Street Global Advisors Common 78463X509 13,350 313,889 SH   SOLE   313,889 0 0
SPDR State Street Global Advisors Common 78468R747 2,953 29,248 SH   SOLE   29,248 0 0
iShares Common 464286285 5,443 122,703 SH   SOLE   122,703 0 0
PIMCO Common 72201R304 10,665 122,949 SH   SOLE   122,949 0 0
SPDR State Street Global Advisors Common 78468R788 453 11,577 SH   SOLE   11,577 0 0
SPDR State Street Global Advisors Common 78468R796 65,852 619,899 SH   SOLE   619,899 0 0
iShares Common 46435G516 207,815 2,651,383 SH   SOLE   2,651,383 0 0
First Trust Exchange-Traded Fund VIII Common 33740F805 1,827 34,111 SH   SOLE   34,111 0 0
iShares Common 46431W705 1,493 15,586 SH   SOLE   15,586 0 0
iShares Common 46434G863 61,794 1,491,169 SH   SOLE   1,491,169 0 0
Exchange Traded Concepts Trust Common 301505889 2,470 49,811 SH   SOLE   49,811 0 0
SPDR State Street Global Advisors Common 78470E106 30,860 373,384 SH   SOLE   373,384 0 0
iShares Common 46435G326 8,396 125,656 SH   SOLE   125,656 0 0
iShares Common 46434V456 616 16,270 SH   SOLE   16,270 0 0
iShares Common 46434V449 346 9,099 SH   SOLE   9,099 0 0
Ark ETF Trust Common 00214Q401 387 2,789 SH   SOLE   2,789 0 0
Ark ETF Trust Common 00214Q104 4,443 40,197 SH   SOLE   40,197 0 0
iShares Common 46435G474 4,661 154,812 SH   SOLE   154,812 0 0
iShares Common 46435G433 219 5,895 SH   SOLE   5,895 0 0
iShares Common 46435G425 205,298 2,085,092 SH   SOLE   2,085,092 0 0
SPDR State Street Global Advisors Common 78470E205 16,888 226,084 SH   SOLE   226,084 0 0
First Trust Common 33734X853 3,651 56,979 SH   SOLE   56,979 0 0
Goldman Sachs Common 381430602 28,324 449,522 SH   SOLE   449,522 0 0
Goldman Sachs Common 381430479 18,833 346,448 SH   SOLE   346,448 0 0
Goldman Sachs Common 381430453 5,041 100,564 SH   SOLE   100,564 0 0
XTRACKERS Common 233051432 5,015 125,124 SH   SOLE   125,124 0 0
ISHARES Common 46435U853 6,247 150,530 SH   SOLE   150,530 0 0
GraniteShares Common 38747R108 3,853 127,998 SH   SOLE   127,998 0 0
SPDR State Street Global Advisors Common 98149E204 2,275 130,300 SH   SOLE   130,300 0 0
JP Morgan Common 46641Q837 181,288 3,574,296 SH   SOLE   3,574,296 0 0
Goldman Sachs Common 381430362 3,798 65,778 SH   SOLE   65,778 0 0
iShares Common 46435U549 10,596 192,193 SH   SOLE   192,193 0 0
AVANTIS INTL Common 025072802 458 7,084 SH   SOLE   7,084 0 0
Avantis Common 025072877 768 10,160 SH   SOLE   10,160 0 0
Goldman Sachs Common 38149W101 7,287 149,018 SH   SOLE   149,018 0 0
Impact Shares Common 45259A209 2,922 89,368 SH   SOLE   89,368 0 0
iShares Common 46435U440 34,148 622,349 SH   SOLE   622,349 0 0
Dimensional Fund Advisors Common 25434V203 1,877 64,912 SH   SOLE   64,912 0 0
Dimensional Fund Advisors Common 25434V302 1,029 37,762 SH   SOLE   37,762 0 0
Dimensional Fund Advisors Common 25434V104 3,410 113,155 SH   SOLE   113,155 0 0
Cambria Funds Common 132061813 983 31,421 SH   SOLE   31,421 0 0
Dynamic Beta Investments Common 53700T827 307 11,012 SH   SOLE   11,012 0 0
ISHARES Common 46435G193 7,606 276,586 SH   SOLE   276,586 0 0
iShares Common 46436E619 2,371 47,807 SH   SOLE   47,807 0 0
iShares Common 46435G243 3,601 138,593 SH   SOLE   138,593 0 0
iShares Common 46436E759 426 6,281 SH   SOLE   6,281 0 0
Vanguard Common 921910725 15,921 257,870 SH   SOLE   257,870 0 0
iShares Common 46436E767 429 11,868 SH   SOLE   11,868 0 0
VANGUARD Common 921910733 18,767 234,415 SH   SOLE   234,415 0 0
Dimensional Common 25434V500 321 5,582 SH   SOLE   5,582 0 0
Dimensional Common 25434V401 1,990 42,190 SH   SOLE   42,190 0 0
Dimensional Common 25434V708 6,324 238,025 SH   SOLE   238,025 0 0
Engine No. 1 Common 29287L106 14,193 278,519 SH   SOLE   278,519 0 0
Dimensional Fund Advisors LP Common 25434V880 3,626 140,092 SH   SOLE   140,092 0 0