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
Schwab U.S. REIT ETF ETF 808524847 12,694 510,000 SH   SOLE   0 0 510,000
Vanguard FTSE All World ex-US Small-Cap ETF ETF 922042718 227 1,829 SH   SOLE   0 0 1,829
Vanguard FTSE Emerging Markets ETF ETF 922042858 68,666 1,488,535 SH   SOLE   0 0 1,488,535
Vanguard FTSE Pacific ETF ETF 922042866 31,804 429,500 SH   SOLE   0 0 429,500
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 139 2,703 SH   SOLE   0 0 2,703
Vanguard S&P 500 ETF ETF 922908363 26,087 62,836 SH   SOLE   0 0 62,836
Vanguard Value ETF ETF 922908744 9,483 64,171 SH   SOLE   0 0 64,171
Vanguard Total Stock Market ETF ETF 922908769 99,920 438,882 SH   SOLE   0 0 438,882
Xtrackers USD High Yield Corporate Bond ETF ETF 233051432 1,573 41,708 SH   SOLE   0 0 41,708
iShares Gold Trust ETF 464285204 6,972 189,303 SH   SOLE   0 0 189,303
iShares MSCI Canada ETF ETF 464286509 3,925 97,603 SH   SOLE   0 0 97,603
iShares Core S&P Total US Stock Market ETF ETF 464287150 79,073 783,365 SH   SOLE   0 0 783,365
iShares TIPS Bond ETF ETF 464287176 1,286 10,321 SH   SOLE   0 0 10,321
iShares Core S&P 500 ETF ETF 464287200 17,033 37,544 SH   SOLE   0 0 37,544
iShares Core U.S. Aggregate Bond ETF ETF 464287226 227 2,115 SH   SOLE   0 0 2,115
iShares MSCI EAFE ETF ETF 464287465 1 9 SH   SOLE   0 0 9
iShares Russell 1000 Value ETF ETF 464287598 298 1,793 SH   SOLE   0 0 1,793
iShares Russell 2000 ETF ETF 464287655 112 544 SH   SOLE   0 0 544
iShares Core S&P U.S. Value ETF ETF 464287663 2,051 27,037 SH   SOLE   0 0 27,037
iShares Core S&P Small-Cap ETF ETF 464287804 3,911 36,255 SH   SOLE   0 0 36,255
iShares MSCI EAFE Small-Cap ETF ETF 464288273 4,596 69,273 SH   SOLE   0 0 69,273
iShares National Muni Bond ETF ETF 464288414 4,929 44,958 SH   SOLE   0 0 44,958
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 697 8,464 SH   SOLE   0 0 8,464
iShares MSCI EAFE Value ETF ETF 464288877 48 953 SH   SOLE   0 0 953
iShares Core MSCI Emerging Markets ETF ETF 46434G103 60,550 1,090,014 SH   SOLE   0 0 1,090,014
iShares Core MSCI Pacific ETF ETF 46434V696 25,524 419,114 SH   SOLE   0 0 419,114
iShares Core MSCI Europe ETF ETF 46434V738 38,479 720,585 SH   SOLE   0 0 720,585
SPDR S&P 500 ETF Trust ETF 78462F103 878 1,944 SH   SOLE   0 0 1,944
SPDR Bloomberg 1-3 Month T-Bill ETF ETF 78468R663 122,187 1,336,401 SH   SOLE   0 0 1,336,401
Schwab US Broad Market ETF ETF 808524102 1,280 23,980 SH   SOLE   0 0 23,980
Schwab US Large-Cap ETF ETF 808524201 52 968 SH   SOLE   0 0 968
Schwab US Small-Cap ETF ETF 808524607 19 410 SH   SOLE   0 0 410
Schwab US TIPS ETF ETF 808524870 2 26 SH   SOLE   0 0 26
Schwab International Small-Cap Equity ETF ETF 808524888 2,365 62,277 SH   SOLE   0 0 62,277
Real Estate Select Sector SPDR Fund ETF 81369Y860 14 291 SH   SOLE   0 0 291
Vanguard Total Bond Market ETF ETF 921937835 428 5,386 SH   SOLE   0 0 5,386
Vanguard Global ex-U.S. Real Estate ETF ETF 922042676 9,978 192,077 SH   SOLE   0 0 192,077
Vanguard FTSE Europe ETF ETF 922042874 52,580 844,251 SH   SOLE   0 0 844,251
Vanguard Consumer Discretionary ETF ETF 92204A108 38 124 SH   SOLE   0 0 124
Vanguard Consumer Staples ETF ETF 92204A207 38 193 SH   SOLE   0 0 193
Vanguard Energy ETF ETF 92204A306 16 153 SH   SOLE   0 0 153
Vanguard Financials ETF ETF 92204A405 33 350 SH   SOLE   0 0 350
Vanguard Health Care ETF ETF 92204A504 43 168 SH   SOLE   0 0 168
Vanguard Industrials ETF ETF 92204A603 31 161 SH   SOLE   0 0 161
Vanguard Information Technology ETF ETF 92204A702 99 237 SH   SOLE   0 0 237
Vanguard Materials ETF ETF 92204A801 13 69 SH   SOLE   0 0 69
Vanguard Utilities ETF ETF 92204A876 16 96 SH   SOLE   0 0 96
Vanguard Communication Services ETF ETF 92204A884 10 82 SH   SOLE   0 0 82
Vanguard Short-Term Treasury ETF ETF 92206C102 64,305 1,085,139 SH   SOLE   0 0 1,085,139
Vanguard Real Estate ETF ETF 922908553 25,792 237,995 SH   SOLE   0 0 237,995
Vanguard Small-Cap ETF ETF 922908751 10,696 50,328 SH   SOLE   0 0 50,328