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 Russell 1000 Value ETF ETF 464287598 204 1,406 SH   SOLE   0 0 1,406
Vanguard Total Bond Market ETF ETF 921937835 527 7,001 SH   SOLE   0 0 7,001
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 642 8,725 SH   SOLE   0 0 8,725
SPDR S&P 500 ETF Trust ETF 78462F103 1,158 3,070 SH   SOLE   0 0 3,070
iShares TIPS Bond ETF ETF 464287176 1,173 10,301 SH   SOLE   0 0 10,301
Schwab International Small-Cap Equity ETF ETF 808524888 1,945 62,277 SH   SOLE   0 0 62,277
iShares Core S&P U.S. Value ETF ETF 464287663 2,098 31,371 SH   SOLE   0 0 31,371
iShares Core S&P Small-Cap ETF ETF 464287804 2,117 22,909 SH   SOLE   0 0 22,909
iShares Gold Trust ETF 464285204 3,621 105,552 SH   SOLE   0 0 105,552
iShares MSCI EAFE Small-Cap ETF ETF 464288273 3,782 69,273 SH   SOLE   0 0 69,273
Schwab US Broad Market ETF ETF 808524102 4,228 95,682 SH   SOLE   0 0 95,682
iShares MSCI Canada ETF ETF 464286509 4,465 132,570 SH   SOLE   0 0 132,570
Xtrackers USD High Yield Corporate Bond ETF ETF 233051432 4,492 133,173 SH   SOLE   0 0 133,173
Vanguard Value ETF ETF 922908744 5,805 44,019 SH   SOLE   0 0 44,019
Vanguard Small-Cap ETF ETF 922908751 6,904 39,205 SH   SOLE   0 0 39,205
iShares National Muni Bond ETF ETF 464288414 8,421 79,177 SH   SOLE   0 0 79,177
Vanguard Global ex-U.S. Real Estate ETF ETF 922042676 10,010 226,101 SH   SOLE   0 0 226,101
Schwab U.S. REIT ETF ETF 808524847 10,756 510,000 SH   SOLE   0 0 510,000
Vanguard Real Estate ETF ETF 922908553 12,833 140,856 SH   SOLE   0 0 140,856
iShares Core S&P 500 ETF ETF 464287200 15,304 40,365 SH   SOLE   0 0 40,365
JPMorgan BetaBuilders Canada ETF ETF 46641Q225 17,371 295,729 SH   SOLE   0 0 295,729
Vanguard S&P 500 ETF ETF 922908363 18,744 54,035 SH   SOLE   0 0 54,035
iShares Core MSCI Pacific ETF ETF 46434V696 26,509 509,891 SH   SOLE   0 0 509,891
Vanguard FTSE Pacific ETF ETF 922042866 27,332 430,559 SH   SOLE   0 0 430,559
iShares Core MSCI Europe ETF ETF 46434V738 34,694 771,674 SH   SOLE   0 0 771,674
Vanguard FTSE Europe ETF ETF 922042874 47,479 898,877 SH   SOLE   0 0 898,877
iShares Core S&P Total US Stock Market ETF ETF 464287150 52,573 627,515 SH   SOLE   0 0 627,515
iShares Core MSCI Emerging Markets ETF ETF 46434G103 57,145 1,164,801 SH   SOLE   0 0 1,164,801
Vanguard FTSE Emerging Markets ETF ETF 922042858 63,912 1,534,501 SH   SOLE   0 0 1,534,501
Vanguard Short-Term Treasury ETF ETF 92206C102 77,722 1,320,447 SH   SOLE   0 0 1,320,447
Vanguard Total Stock Market ETF ETF 922908769 79,758 422,852 SH   SOLE   0 0 422,852
SPDR Bloomberg 1-3 Month T-Bill ETF ETF 78468R663 163,248 1,784,322 SH   SOLE   0 0 1,784,322