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   254,103 2,340 SH   SOLE   0 0 2,340
AMAZON COM INC COM 023135106   205,218 1,413 SH   SOLE   0 0 1,413
APPLE INC COM 037833100   588,242 3,247 SH   SOLE   0 0 3,247
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   286,188 4,358 SH   SOLE   0 0 4,358
INTEL CORP COM 458140100   854,792 18,230 SH   SOLE   0 0 18,230
INVITAE CORP COM 46185L103   7,992 15,500 SH   SOLE   0 0 15,500
ISHARES TR S&P 500 VAL ETF 464287408   769,672 4,429 SH   SOLE   0 0 4,429
ISHARES TR CORE 1 5 YR USD 46432F859   7,257,231 153,138 SH   SOLE   0 0 153,138
ISHARES TR SP SMCP600VL ETF 464287879   4,473,870 44,968 SH   SOLE   0 0 44,968
ISHARES TR RUS 2000 GRW ETF 464287648   250,981 1,039 SH   SOLE   0 0 1,039
ISHARES TR CORE S&P SCP ETF 464287804   265,673 2,545 SH   SOLE   0 0 2,545
ISHARES TR CORE S&P US VLU 464287663   20,251,180 240,541 SH   SOLE   0 0 240,541
ISHARES TR GOV/CRED BD ETF 464288596   336,699 3,235 SH   SOLE   0 0 3,235
ISHARES TR TIPS BD ETF 464287176   1,165,964 10,920 SH   SOLE   0 0 10,920
ISHARES TR COHEN STEER REIT 464287564   358,608 6,200 SH   SOLE   0 0 6,200
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,972,928 20,054 SH   SOLE   0 0 20,054
ISHARES TR GRWT ALLOCAT ETF 464289867   303,448 5,787 SH   SOLE   0 0 5,787
ISHARES TR CORE DIV GRWTH 46434V621   782,440 14,576 SH   SOLE   0 0 14,576
ISHARES TR IBOXX INV CP ETF 464287242   3,878,342 35,692 SH   SOLE   0 0 35,692
ISHARES TR RUSSELL 2000 ETF 464287655   11,561,231 59,825 SH   SOLE   0 0 59,825
ISHARES TR MSCI EAFE ETF 464287465   15,715,963 211,891 SH   SOLE   0 0 211,891
ISHARES TR EAFE VALUE ETF 464288877   10,814,497 207,891 SH   SOLE   0 0 207,891
ISHARES TR ISHS 1-5YR INVS 464288646   420,844 8,247 SH   SOLE   0 0 8,247
ISHARES TR CORE S&P500 ETF 464287200   47,229,558 100,463 SH   SOLE   0 0 100,463
ISHARES TR S&P 500 GRWT ETF 464287309   430,436 5,898 SH   SOLE   0 0 5,898
ISHARES TR MSCI EMG MKT ETF 464287234   8,230,160 208,675 SH   SOLE   0 0 208,675
ISHARES TR CORE INTL AGGR 46435G672   3,730,266 75,466 SH   SOLE   0 0 75,466
ISHARES TR IBOXX HI YD ETF 464288513   2,794,881 36,449 SH   SOLE   0 0 36,449
ISHARES TR CORE US AGGBD ET 464287226   18,893,626 192,399 SH   SOLE   0 0 192,399
ISHARES TR AGGRES ALLOC ETF 464289859   475,866 6,997 SH   SOLE   0 0 6,997
JOHNSON & JOHNSON COM 478160104   423,611 2,629 SH   SOLE   0 0 2,629
MICROSOFT CORP COM 594918104   275,490 749 SH   SOLE   0 0 749
SPDR GOLD TR GOLD SHS 78463V107   8,184,464 43,224 SH   SOLE   0 0 43,224
VANGUARD INDEX FDS VALUE ETF 922908744   2,115,288 14,138 SH   SOLE   0 0 14,138
VANGUARD INDEX FDS SM CP VAL ETF 922908611   292,505 1,663 SH   SOLE   0 0 1,663
VANGUARD INDEX FDS GROWTH ETF 922908736   696,814 2,312 SH   SOLE   0 0 2,312
VANGUARD STAR FDS VG TL INTL STK F 921909768   327,522 5,745 SH   SOLE   0 0 5,745
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   204,073 4,330 SH   SOLE   0 0 4,330
VANGUARD WORLD FD ESG US STK ETF 921910733   263,550 3,165 SH   SOLE   0 0 3,165
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   590,788 2,320 SH   SOLE   0 0 2,320
VICTORY PORTFOLIOS II VCSHS US EQ INCM 92647N824   1,463,206 25,797 SH   SOLE   0 0 25,797