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
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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
DBX ETF TR XTRACK MSCI EAFE 233051200 46,376 1,434,013 SH   SOLE   1,434,013 0 0
FACEBOOK INC CL A 30303M102 18,584 104,358 SH   SOLE   104,358 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 143,894 9,782,025 SH   SOLE   9,782,025 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 216 3,732 SH   SOLE   3,732 0 0
ISHARES INC CORE MSCI EMKT 46434G103 185,195 3,777,940 SH   SOLE   3,777,940 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,432 14,294 SH   SOLE   14,294 0 0
ISHARES TR 20 YR TR BD ETF 464287432 136,862 956,543 SH   SOLE   956,543 0 0
ISHARES TR CORE MSCI EAFE 46432F842 288 4,710 SH   SOLE   4,710 0 0
ISHARES TR CORE S&P MCP ETF 464287507 315 1,630 SH   SOLE   1,630 0 0
ISHARES TR HDG MSCI EAFE 46434V803 499 16,657 SH   SOLE   16,657 0 0
ISHARES TR INTRM GOV CR ETF 464288612 10,600 93,619 SH   SOLE   93,619 0 0
ISHARES TR MSCI EAFE ETF 464287465 31,930 489,654 SH   SOLE   489,654 0 0
ISHARES TR RUS 1000 ETF 464287622 4,327 26,297 SH   SOLE   26,297 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,018 6,377 SH   SOLE   6,377 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 275 2,144 SH   SOLE   2,144 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 6,734 56,394 SH   SOLE   56,394 0 0
ISHARES TR RUS MID CAP ETF 464287499 315 5,629 SH   SOLE   5,629 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 561 3,706 SH   SOLE   3,706 0 0
ISHARES TR SHORT TREAS BD 464288679 71,356 645,054 SH   SOLE   645,054 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,961 46,562 SH   SOLE   46,562 0 0
ISHARES TR US TREAS BD ETF 46429B267 31,866 1,210,494 SH   SOLE   1,210,494 0 0
ISHARES TR USA QUALITY FCTR 46432F339 144,973 1,568,976 SH   SOLE   1,568,976 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,287 69,690 SH   SOLE   69,690 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 60,374 203,438 SH   SOLE   203,438 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 60,445 659,953 SH   SOLE   659,953 0 0
VANGUARD GROUP DIV APP ETF 921908844 2,736 22,880 SH   SOLE   22,880 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,435 69,003 SH   SOLE   69,003 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,483 16,447 SH   SOLE   16,447 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 823 6,385 SH   SOLE   6,385 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 154,310 3,832,828 SH   SOLE   3,832,828 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 42,835 731,095 SH   SOLE   731,095 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 748 10,000 SH   SOLE   10,000 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 38,893 946,760 SH   SOLE   946,760 0 0