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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DBX ETF TR XTRACK USD HIGH 233051432   49,014,893 1,378,759 SH   SOLE   0 0 1,378,759
ISHARES GOLD TR ISHARES NEW 464285204   13,339,127 341,766 SH   SOLE   0 0 341,766
ISHARES INC MSCI CDA ETF 464286509   5,109,354 139,295 SH   SOLE   0 0 139,295
ISHARES TR CORE S&P TTL STK 464287150   108,275,864 1,028,945 SH   SOLE   0 0 1,028,945
ISHARES TR TIPS BD ETF 464287176   544,759 5,068 SH   SOLE   0 0 5,068
ISHARES TR CORE S&P500 ETF 464287200   18,238,854 38,186 SH   SOLE   0 0 38,186
ISHARES TR CORE US AGGBD ET 464287226   22,271,873 224,402 SH   SOLE   0 0 224,402
ISHARES TR IBOXX INV CP ETF 464287242   4,146,430 37,470 SH   SOLE   0 0 37,470
ISHARES TR RUS 1000 VAL ETF 464287598   243,248 1,472 SH   SOLE   0 0 1,472
ISHARES TR CORE S&P US VLU 464287663   3,917,431 46,454 SH   SOLE   0 0 46,454
ISHARES TR CORE S&P SCP ETF 464287804   2,055,447 18,988 SH   SOLE   0 0 18,988
ISHARES TR EAFE SML CP ETF 464288273   2,456,084 39,678 SH   SOLE   0 0 39,678
ISHARES TR NATIONAL MUN ETF 464288414   16,097,826 148,490 SH   SOLE   0 0 148,490
ISHARES TR IBOXX HI YD ETF 464288513   584,174 7,548 SH   SOLE   0 0 7,548
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   608,885 10,937 SH   SOLE   0 0 10,937
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   687,008 14,543 SH   SOLE   0 0 14,543
SCHWAB STRATEGIC TR US REIT ETF 808524847   897,703 43,346 SH   SOLE   0 0 43,346
SCHWAB STRATEGIC TR US TIPS ETF 808524870   61,124,520 1,170,968 SH   SOLE   0 0 1,170,968
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,116,712 60,668 SH   SOLE   0 0 60,668
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,091,960 164,405 SH   SOLE   0 0 164,405
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   13,095,966 307,489 SH   SOLE   0 0 307,489
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,138,917 55,912 SH   SOLE   0 0 55,912
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   94,782,152 2,306,135 SH   SOLE   0 0 2,306,135
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   51,672,311 717,372 SH   SOLE   0 0 717,372
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   103,703,238 1,608,301 SH   SOLE   0 0 1,608,301
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   13,626,334 266,921 SH   SOLE   0 0 266,921
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,948,666 29,644 SH   SOLE   0 0 29,644
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   34,945,616 395,491 SH   SOLE   0 0 395,491
VANGUARD INDEX FDS VALUE ETF 922908744   11,986,297 80,176 SH   SOLE   0 0 80,176
VANGUARD INDEX FDS SMALL CP ETF 922908751   14,295,877 67,013 SH   SOLE   0 0 67,013
VANGUARD INDEX FDS TOTAL STK MKT 922908769   141,096,424 594,791 SH   SOLE   0 0 594,791
ISHARES TR 0-5 YR TIPS ETF 46429B747   11,309,752 114,715 SH   SOLE   0 0 114,715
ISHARES INC CORE MSCI EMKT 46434G103   86,310,527 1,706,416 SH   SOLE   0 0 1,706,416
ISHARES TR CORE MSCI PAC 46434V696   32,777,559 550,791 SH   SOLE   0 0 550,791
ISHARES TR CORE MSCI EURO 46434V738   55,425,679 1,007,373 SH   SOLE   0 0 1,007,373
ISHARES TR 0-3 MNTH TREASRY 46436E718   61,304,500 611,394 SH   SOLE   0 0 611,394
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   14,474,006 225,733 SH   SOLE   0 0 225,733
SPDR S&P 500 ETF TR TR UNIT 78462F103   809,595 1,703 SH   SOLE   0 0 1,703
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   3,949,967 43,221 SH   SOLE   0 0 43,221
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   221,206 2,586 SH   SOLE   0 0 2,586
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   403,821 2,961 SH   SOLE   0 0 2,961
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   375,143 2,098 SH   SOLE   0 0 2,098
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,163,157 6,043 SH   SOLE   0 0 6,043
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   300,885 4,141 SH   SOLE   0 0 4,141
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   243,640 800 SH   SOLE   0 0 800
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   344,492 1,804 SH   SOLE   0 0 1,804
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   608,639 6,597 SH   SOLE   0 0 6,597
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   332,178 1,325 SH   SOLE   0 0 1,325
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   317,860 1,442 SH   SOLE   0 0 1,442
VANGUARD WORLD FDS INF TECH ETF 92204A702   296,692 613 SH   SOLE   0 0 613
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   230,975 1,962 SH   SOLE   0 0 1,962
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   9,900,468 169,732 SH   SOLE   0 0 169,732