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
3M CO COM 88579Y101   237,980 2,340 SH   SOLE   0 0 2,340
APPLE INC COM 037833100   446,738 2,303 SH   SOLE   0 0 2,303
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   283,155 4,524 SH   SOLE   0 0 4,524
INTEL CORP COM 458140100   645,383 18,778 SH   SOLE   0 0 18,778
INVITAE CORP COM 46185L103   19,220 15,500 SH   SOLE   0 0 15,500
ISHARES TR CORE S&P500 ETF 464287200   44,054,512 97,180 SH   SOLE   0 0 97,180
ISHARES TR SP SMCP600VL ETF 464287879   4,202,003 43,159 SH   SOLE   0 0 43,159
ISHARES TR RUS 2000 GRW ETF 464287648   226,418 903 SH   SOLE   0 0 903
ISHARES TR CORE S&P SCP ETF 464287804   262,705 2,570 SH   SOLE   0 0 2,570
ISHARES TR CORE S&P US VLU 464287663   18,323,081 230,016 SH   SOLE   0 0 230,016
ISHARES TR TIPS BD ETF 464287176   1,590,112 14,815 SH   SOLE   0 0 14,815
ISHARES TR COHEN STEER REIT 464287564   355,762 6,290 SH   SOLE   0 0 6,290
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,429,327 24,967 SH   SOLE   0 0 24,967
ISHARES TR GRWT ALLOCAT ETF 464289867   258,705 4,988 SH   SOLE   0 0 4,988
ISHARES TR CORE DIV GRWTH 46434V621   755,620 14,576 SH   SOLE   0 0 14,576
ISHARES TR IBOXX INV CP ETF 464287242   3,727,113 34,629 SH   SOLE   0 0 34,629
ISHARES TR GOV/CRED BD ETF 464288596   336,359 3,235 SH   SOLE   0 0 3,235
ISHARES TR S&P 500 GRWT ETF 464287309   422,769 5,898 SH   SOLE   0 0 5,898
ISHARES TR MSCI EMG MKT ETF 464287234   8,160,474 198,745 SH   SOLE   0 0 198,745
ISHARES TR CORE INTL AGGR 46435G672   3,612,796 73,371 SH   SOLE   0 0 73,371
ISHARES TR IBOXX HI YD ETF 464288513   2,708,182 35,994 SH   SOLE   0 0 35,994
ISHARES TR CORE US AGGBD ET 464287226   17,971,345 183,288 SH   SOLE   0 0 183,288
ISHARES TR AGGRES ALLOC ETF 464289859   302,257 4,514 SH   SOLE   0 0 4,514
ISHARES TR RUSSELL 2000 ETF 464287655   11,091,260 57,295 SH   SOLE   0 0 57,295
ISHARES TR S&P 500 VAL ETF 464287408   635,199 3,876 SH   SOLE   0 0 3,876
ISHARES TR CORE 1 5 YR USD 46432F859   7,126,540 152,374 SH   SOLE   0 0 152,374
ISHARES TR MSCI EAFE ETF 464287465   15,098,205 204,666 SH   SOLE   0 0 204,666
ISHARES TR EAFE VALUE ETF 464288877   9,871,550 197,866 SH   SOLE   0 0 197,866
ISHARES TR ISHS 1-5YR INVS 464288646   384,511 7,655 SH   SOLE   0 0 7,655
JOHNSON & JOHNSON COM 478160104   418,195 2,629 SH   SOLE   0 0 2,629
MICROSOFT CORP COM 594918104   239,280 692 SH   SOLE   0 0 692
SPDR GOLD TR GOLD SHS 78463V107   7,710,853 42,470 SH   SOLE   0 0 42,470
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   366,097 11,589 SH   SOLE   0 0 11,589
VANGUARD INDEX FDS VALUE ETF 922908744   2,016,857 14,116 SH   SOLE   0 0 14,116
VANGUARD INDEX FDS GROWTH ETF 922908736   678,112 2,329 SH   SOLE   0 0 2,329
VANGUARD INDEX FDS SM CP VAL ETF 922908611   285,689 1,683 SH   SOLE   0 0 1,683
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   214,266 5,104 SH   SOLE   0 0 5,104
VANGUARD STAR FDS VG TL INTL STK F 921909768   330,280 5,745 SH   SOLE   0 0 5,745
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   329,081 6,975 SH   SOLE   0 0 6,975
VANGUARD WORLD FD ESG US STK ETF 921910733   253,643 3,165 SH   SOLE   0 0 3,165
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   562,925 2,320 SH   SOLE   0 0 2,320
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824   1,481,204 25,653 SH   SOLE   0 0 25,653