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
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 473,971 3,157,912 SH   SOLE   3,157,912 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 401,841 9,634,169 SH   SOLE   9,634,169 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 151,282 3,557,061 SH   SOLE   3,557,061 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 180,362 1,619,772 SH   SOLE   1,619,772 0 0
ISHARES TIPS BOND ETF ETF 464287176 21,582 186,876 SH   SOLE   186,876 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 68,724 787,123 SH   SOLE   787,123 0 0
SPDR GOLD SHARES ETF 78463V107 118,779 891,732 SH   SOLE   891,732 0 0