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 493 3,813 SH   SOLE   3,813 0 0
VANGUARD INDEX FDS Common 922908769 6,667,859 27,617,043 SH   SOLE   27,617,043 0 0
ISHARES TR Common 464287408 88,100 562,470 SH   SOLE   562,470 0 0
ISHARES TR Common 464287598 237 1,413 SH   SOLE   1,413 0 0
ISHARES TR Common 464287473 231,166 1,888,923 SH   SOLE   1,888,923 0 0
ISHARES TR Common 464287630 187,229 1,127,543 SH   SOLE   1,127,543 0 0
ISHARES TR Common 464287457 3,142 36,733 SH   SOLE   36,733 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 4,798,238 93,972,542 SH   SOLE   93,972,542 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 3,179,815 64,290,644 SH   SOLE   64,290,644 0 0
SPDR SP 500 ETF TR Common 78462F103 597 1,257 SH   SOLE   1,257 0 0
ISHARES TR Common 464288679 550,960 4,989,678 SH   SOLE   4,989,678 0 0
VANGUARD BD INDEX FD INC Common 921937835 130,806 1,543,434 SH   SOLE   1,543,434 0 0
VANGUARD INDEX FDS Common 922908553 1,331 11,476 SH   SOLE   11,476 0 0
ISHARES TR Common 464287226 820,886 7,195,708 SH   SOLE   7,195,708 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 128,857 1,659,251 SH   SOLE   1,659,251 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,791,859 32,484,756 SH   SOLE   32,484,756 0 0
VANGUARD MALVERN FDS Common 922020805 520,066 10,118,007 SH   SOLE   10,118,007 0 0
ISHARES TR Common 464287242 18,829 142,082 SH   SOLE   142,082 0 0
ISHARES TR Common 464288414 1,216,472 10,461,577 SH   SOLE   10,461,577 0 0
ISHARES TR Common 464288356 5,524 88,620 SH   SOLE   88,620 0 0
ISHARES TR Common 464288323 5,767 99,495 SH   SOLE   99,495 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,551 38,279 SH   SOLE   38,279 0 0
SPDR SERIES TRUST Common 78468R721 188,827 3,650,250 SH   SOLE   3,650,250 0 0
ISHARES TR Common 464288281 909,715 8,341,413 SH   SOLE   8,341,413 0 0
Invesco Common 46138E784 3,306 125,449 SH   SOLE   125,449 0 0
SCHWAB STRATEGIC TR Common 808524102 424,672 3,757,828 SH   SOLE   3,757,828 0 0
ISHARES TR Common 464287150 1,064,034 9,946,103 SH   SOLE   9,946,103 0 0
VANGUARD INDEX FDS Common 922908744 1,885,776 12,818,815 SH   SOLE   12,818,815 0 0
SCHWAB STRATEGIC TR Common 808524409 165,856 2,265,173 SH   SOLE   2,265,173 0 0
VANGUARD INDEX FDS Common 922908512 1,538,887 10,236,729 SH   SOLE   10,236,729 0 0
ISHARES TR Common 464287705 4,416 39,901 SH   SOLE   39,901 0 0
VANGUARD INDEX FDS Common 922908611 1,313,761 7,345,600 SH   SOLE   7,345,600 0 0
SCHWAB STRATEGIC TR Common 808524805 683,324 17,579,719 SH   SOLE   17,579,719 0 0
ISHARES TR Common 46432F842 573,756 7,686,980 SH   SOLE   7,686,980 0 0
SCHWAB STRATEGIC TR Common 808524706 2,054 69,361 SH   SOLE   69,361 0 0
ISHARES INC Common 46434G103 391,107 6,533,690 SH   SOLE   6,533,690 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 1,213 7,063 SH   SOLE   7,063 0 0
SCHWAB STRATEGIC TR Common 808524870 1,559 24,793 SH   SOLE   24,793 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 2,921 54,149 SH   SOLE   54,149 0 0
ISHARES TR Common 464287200 5,048 10,582 SH   SOLE   10,582 0 0
SCHWAB STRATEGIC TR Common 808524847 7,779 147,629 SH   SOLE   147,629 0 0
Invesco Common 46090E103 10,258 25,784 SH   SOLE   25,784 0 0
VANGUARD BD INDEX FD INC Common 921937793 11,904 115,662 SH   SOLE   115,662 0 0
ISHARES TR Common 464287655 240 1,077 SH   SOLE   1,077 0 0
ISHARES Common 464289479 824 11,421 SH   SOLE   11,421 0 0
ISHARES TR Common 464287440 5,081 44,184 SH   SOLE   44,184 0 0
SCHWAB STRATEGIC TR Common 808524300 700 4,277 SH   SOLE   4,277 0 0
VANGUARD INDEX FDS Common 922908751 18,028 79,765 SH   SOLE   79,765 0 0
VANGUARD INDEX FDS Common 922908629 559 2,194 SH   SOLE   2,194 0 0
VANGUARD INDEX FDS Common 922908363 53,136 121,712 SH   SOLE   121,712 0 0
ISHARES TR Common 464287507 320 1,129 SH   SOLE   1,129 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 967 38,747 SH   SOLE   38,747 0 0
ISHARES TR Common 464287689 363 1,308 SH   SOLE   1,308 0 0
SCHWAB STRATEGIC TR Common 808524797 248 3,069 SH   SOLE   3,069 0 0
VANGUARD INDEX FDS Common 922908736 48,310 150,546 SH   SOLE   150,546 0 0
ISHARES TR Common 464287804 477 4,167 SH   SOLE   4,167 0 0
SCHWAB STRATEGIC TR Common 808524607 274 2,674 SH   SOLE   2,674 0 0
ISHARES TR Common 464287309 432 5,162 SH   SOLE   5,162 0 0
VANGUARD STAR FD Common 921909768 1,446 22,745 SH   SOLE   22,745 0 0
SELECT SECTOR SPDR TR Common 81369Y506 203 3,654 SH   SOLE   3,654 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 818 3,895 SH   SOLE   3,895 0 0
SCHWAB STRATEGIC TR Common 808524201 403 3,543 SH   SOLE   3,543 0 0
DBX ETF TR Common 233051879 344 8,800 SH   SOLE   8,800 0 0
Invesco Common 46137V589 1,459 94,383 SH   SOLE   94,383 0 0
INDEXIQ ETF TR Common 45409B107 1,455 45,779 SH   SOLE   45,779 0 0
WISDOMTREE TR Common 97717W125 3,241 91,440 SH   SOLE   91,440 0 0
VANGUARD BD INDEX FD INC Common 921937819 12,034 137,338 SH   SOLE   137,338 0 0
ETFS GOLD TR Common 00326A104 591 33,665 SH   SOLE   33,665 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 1,305 11,642 SH   SOLE   11,642 0 0
VANGUARD BD INDEX FD INC Common 921937827 19,492 241,143 SH   SOLE   241,143 0 0
ISHARES TR Common 464288646 10,804 200,522 SH   SOLE   200,522 0 0
ISHARES Common 464286533 5,866 93,377 SH   SOLE   93,377 0 0
WISDOMTREE TR Common 97717W281 305 5,757 SH   SOLE   5,757 0 0
ISHARES TR Common 464288687 970 24,607 SH   SOLE   24,607 0 0
ISHARES TR Common 464288588 14,114 131,382 SH   SOLE   131,382 0 0
MARKET VECTORS ETF TR Common 92189H409 785 12,570 SH   SOLE   12,570 0 0
ISHARES TR Common 464288653 522 3,518 SH   SOLE   3,518 0 0
ISHARES TR Common 464287432 300 2,025 SH   SOLE   2,025 0 0
VANGUARD BD INDEX FD INC Common 92206C847 830 9,286 SH   SOLE   9,286 0 0
SPDR SERIES TRUST Common 78464A664 13,044 309,466 SH   SOLE   309,466 0 0
CAMBRIA ETF TR Common 132061888 3,077 121,390 SH   SOLE   121,390 0 0
CAMBRIA ETF TR Common 132061409 2,873 125,016 SH   SOLE   125,016 0 0
CAMBRIA ETF TR Common 132061508 13,986 468,869 SH   SOLE   468,869 0 0
CAMBRIA ETF TR Common 132061201 2,252 34,838 SH   SOLE   34,838 0 0
CAMBRIA ETF TR Common 132061300 1,157 42,279 SH   SOLE   42,279 0 0
CAMBRIA ETF TR Common 132061706 1,213 33,845 SH   SOLE   33,845 0 0
Invesco Common 46090F100 594 42,262 SH   SOLE   42,262 0 0
WISDOMTREE TR Common 97717W547 221 3,492 SH   SOLE   3,492 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,398 25,468 SH   SOLE   25,468 0 0
VANECK VECTORS TR Common 92189H300 1,279 44,720 SH   SOLE   44,720 0 0
VANGUARD INDEX FDS Common 921932505 4,411 14,619 SH   SOLE   14,619 0 0
VANGUARD INDEX FDS Common 921932703 2,363 15,606 SH   SOLE   15,606 0 0
ISHARES TR Common 46432F859 1,430 28,359 SH   SOLE   28,359 0 0
ISHARES TR Common 464288612 946 8,313 SH   SOLE   8,313 0 0
VANGUARD BD INDEX FD INC Common 92206C771 10,447 197,704 SH   SOLE   197,704 0 0
ISHARES TR Common 46435G672 3,103 56,906 SH   SOLE   56,906 0 0
Goldman Sachs Common 381430503 246,942 2,595,562 SH   SOLE   2,595,562 0 0
Goldman Sachs Common 381430107 114,802 3,254,961 SH   SOLE   3,254,961 0 0
Goldman Sachs Common 381430206 21,278 574,921 SH   SOLE   574,921 0 0
ISHARES TR Common 464288513 329 3,780 SH   SOLE   3,780 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 4,545 42,945 SH   SOLE   42,945 0 0
ISHARES TR Common 464287622 246 932 SH   SOLE   932 0 0
ISHARES TR Common 464289511 815 11,717 SH   SOLE   11,717 0 0
SCHWAB STRATEGIC TR Common 808524755 277 8,517 SH   SOLE   8,517 0 0
Vanguard Common 922908595 3,631 12,884 SH   SOLE   12,884 0 0
Vanguard Common 922042775 215 3,504 SH   SOLE   3,504 0 0
Vanguard Common 922908538 3,738 14,680 SH   SOLE   14,680 0 0
Vanguard Common 922042742 740 6,890 SH   SOLE   6,890 0 0
Vanguard Common 922908652 613 3,352 SH   SOLE   3,352 0 0
iShares Common 464287648 400 1,364 SH   SOLE   1,364 0 0
iShares Common 46429B747 278 2,630 SH   SOLE   2,630 0 0
iShares Common 46432F834 577 8,137 SH   SOLE   8,137 0 0
iShares Common 46434V407 10,135 223,730 SH   SOLE   223,730 0 0
Invesco Common 46137V357 373 2,291 SH   SOLE   2,291 0 0
Vanguard Common 921910816 277 1,062 SH   SOLE   1,062 0 0
Vanguard Common 92206C409 5,417 66,663 SH   SOLE   66,663 0 0
Schwab Common 808524763 233 4,181 SH   SOLE   4,181 0 0
Goldman Sachs Common 381430529 309,675 3,095,513 SH   SOLE   3,095,513 0 0
iShares Common 46429B655 7,455 146,960 SH   SOLE   146,960 0 0
iShares Common 46432F339 444 3,050 SH   SOLE   3,050 0 0
iShares Common 464286525 5,930 54,769 SH   SOLE   54,769 0 0
WisdomTree Common 97717W505 221 4,971 SH   SOLE   4,971 0 0
iShares Common 46432F396 1,329 7,310 SH   SOLE   7,310 0 0
iShares Common 46431W507 12,600 252,256 SH   SOLE   252,256 0 0
Vanguard Common 92206C102 2,597 42,691 SH   SOLE   42,691 0 0
SPDR State Street Global Advisors Common 78467V608 449 9,833 SH   SOLE   9,833 0 0
iShares Common 464288158 880 8,194 SH   SOLE   8,194 0 0
Vanguard Common 921910873 203 1,207 SH   SOLE   1,207 0 0
WisdomTree Common 97717W760 283 3,849 SH   SOLE   3,849 0 0
SPDR State Street Global Advisors Common 78464A300 6,714 79,253 SH   SOLE   79,253 0 0
Van Eck Common 92189F643 7,559 99,315 SH   SOLE   99,315 0 0
Vanguard Common 921932869 999 4,725 SH   SOLE   4,725 0 0
iShares Common 46434V613 1,147 21,662 SH   SOLE   21,662 0 0
Vanguard Common 921932844 258 1,532 SH   SOLE   1,532 0 0
WisdomTree Common 97717W570 252 4,485 SH   SOLE   4,485 0 0
SPDR State Street Global Advisors Common 78463X889 689 18,891 SH   SOLE   18,891 0 0
iShares Common 464288570 65,199 701,666 SH   SOLE   701,666 0 0
SPDR State Street Global Advisors Common 78464A409 650 8,970 SH   SOLE   8,970 0 0
Van Eck Common 92189F437 2,564 77,766 SH   SOLE   77,766 0 0
iShares Common 464288802 27,141 255,445 SH   SOLE   255,445 0 0
iShares Common 46434V464 170,606 980,661 SH   SOLE   980,661 0 0
iShares Common 46434V647 377 12,326 SH   SOLE   12,326 0 0
SPDR State Street Global Advisors Common 78464A508 35,548 846,389 SH   SOLE   846,389 0 0
SPDR State Street Global Advisors Common 78463X509 17,778 428,499 SH   SOLE   428,499 0 0
SPDR State Street Global Advisors Common 78468R747 3,113 30,459 SH   SOLE   30,459 0 0
iShares Common 464286285 7,304 169,536 SH   SOLE   169,536 0 0
PIMCO Common 72201R304 10,398 113,831 SH   SOLE   113,831 0 0
SPDR State Street Global Advisors Common 78464A854 248 4,446 SH   SOLE   4,446 0 0
SPDR State Street Global Advisors Common 78468R788 270 6,419 SH   SOLE   6,419 0 0
WisdomTree Common 97717W588 567 11,260 SH   SOLE   11,260 0 0
SPDR State Street Global Advisors Common 78468R796 77,992 662,636 SH   SOLE   662,636 0 0
WisdomTree Common 97717X511 486 9,397 SH   SOLE   9,397 0 0
First Trust Common 33738R506 382 7,367 SH   SOLE   7,367 0 0
iShares Common 46435G516 241,747 3,042,375 SH   SOLE   3,042,375 0 0
First Trust Exchange-Traded Fund VIII Common 33740F805 2,493 46,849 SH   SOLE   46,849 0 0
iShares Common 46431W705 1,772 18,519 SH   SOLE   18,519 0 0
iShares Common 46434G863 71,053 1,787,499 SH   SOLE   1,787,499 0 0
Exchange Traded Concepts Trust Common 301505889 2,979 69,444 SH   SOLE   69,444 0 0
SPDR State Street Global Advisors Common 78470E106 36,411 433,928 SH   SOLE   433,928 0 0
iShares Common 46435G326 8,039 118,994 SH   SOLE   118,994 0 0
iShares Common 46434V456 703 17,852 SH   SOLE   17,852 0 0
iShares Common 46434V449 476 12,512 SH   SOLE   12,512 0 0
Ark ETF Trust Common 00214Q401 364 3,067 SH   SOLE   3,067 0 0
Ark ETF Trust Common 00214Q104 4,934 52,165 SH   SOLE   52,165 0 0
iShares Common 46435G474 5,929 197,843 SH   SOLE   197,843 0 0
iShares Common 46435G425 243,373 2,255,540 SH   SOLE   2,255,540 0 0
SPDR State Street Global Advisors Common 78470E205 22,214 303,593 SH   SOLE   303,593 0 0
WisdomTree Common 97717X578 445 12,066 SH   SOLE   12,066 0 0
First Trust Common 33734X853 4,253 73,824 SH   SOLE   73,824 0 0
Goldman Sachs Common 381430602 34,461 518,209 SH   SOLE   518,209 0 0
Goldman Sachs Common 381430479 21,880 404,520 SH   SOLE   404,520 0 0
Goldman Sachs Common 381430453 6,069 122,060 SH   SOLE   122,060 0 0
XTRACKERS Common 233051432 7,140 179,207 SH   SOLE   179,207 0 0
ISHARES Common 46435U853 9,967 241,985 SH   SOLE   241,985 0 0
GraniteShares Common 38747R108 4,652 181,375 SH   SOLE   181,375 0 0
SPDR State Street Global Advisors Common 98149E204 2,316 127,373 SH   SOLE   127,373 0 0
JP Morgan Common 46641Q837 181,898 3,603,364 SH   SOLE   3,603,364 0 0
Goldman Sachs Common 381430362 4,745 81,160 SH   SOLE   81,160 0 0
iShares Common 46435U549 12,334 223,444 SH   SOLE   223,444 0 0
AVANTIS INTL Common 025072802 498 7,721 SH   SOLE   7,721 0 0
Avantis Common 025072877 931 11,676 SH   SOLE   11,676 0 0
Goldman Sachs Common 38149W101 7,831 160,943 SH   SOLE   160,943 0 0
Impact Shares Common 45259A209 3,180 89,109 SH   SOLE   89,109 0 0
iShares Common 46435U440 40,712 750,306 SH   SOLE   750,306 0 0
Dimensional Fund Advisors Common 25434V203 2,714 91,785 SH   SOLE   91,785 0 0
Dimensional Fund Advisors Common 25434V302 1,452 53,084 SH   SOLE   53,084 0 0
Dimensional Fund Advisors Common 25434V104 3,846 116,535 SH   SOLE   116,535 0 0
Cambria Funds Common 132061813 946 29,636 SH   SOLE   29,636 0 0
Dynamic Beta Investments Common 53700T827 211 8,194 SH   SOLE   8,194 0 0
ISHARES Common 46435G193 9,866 361,536 SH   SOLE   361,536 0 0
iShares Common 46436E619 2,438 49,312 SH   SOLE   49,312 0 0
iShares Common 46435G243 3,402 132,639 SH   SOLE   132,639 0 0
iShares Common 46436E759 471 6,842 SH   SOLE   6,842 0 0
Vanguard Common 921910725 15,232 245,595 SH   SOLE   245,595 0 0
iShares Common 46436E767 498 12,631 SH   SOLE   12,631 0 0
VANGUARD Common 921910733 21,260 241,889 SH   SOLE   241,889 0 0
SPDR State Street Global Advisors Common 78468R648 13,625 231,130 SH   SOLE   231,130 0 0
Dimensional Common 25434V500 398 6,627 SH   SOLE   6,627 0 0
Dimensional Common 25434V401 2,742 53,029 SH   SOLE   53,029 0 0
Dimensional Common 25434V708 9,672 333,852 SH   SOLE   333,852 0 0
Engine No. 1 Common 29287L106 28,199 504,189 SH   SOLE   504,189 0 0
Dimensional Fund Advisors LP Common 25434V880 4,640 177,714 SH   SOLE   177,714 0 0