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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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 TR MSCI ACWI ETF 464288257 34 460 SH   SOLE   0 0 460
ALPS ETF TR ALERIAN MLP 00162Q452 59 2,377 SH   SOLE   0 0 2,377
SPDR SER TR SPDR BLOOMBERG 78468R663 11,645 127,230 SH   SOLE   0 0 127,230
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 40 451 SH   SOLE   0 0 451
ISHARES TR MSCI EMG MKT ETF 464287234 16,538 413,552 SH   SOLE   0 0 413,552
ISHARES TR MSCI EAFE ETF 464287465 175 2,874 SH   SOLE   0 0 2,874
ISHARES TR EAFE GRWTH ETF 464288885 2,965 35,672 SH   SOLE   0 0 35,672
ISHARES TR EAFE VALUE ETF 464288877 5,473 136,923 SH   SOLE   0 0 136,923
ISHARES TR JPMORGAN USD EMG 464288281 94 858 SH   SOLE   0 0 858
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,316 32,224 SH   SOLE   0 0 32,224
SPDR GOLD TR GOLD SHS 78463V107 80 475 SH   SOLE   0 0 475
WORLD GOLD TR SPDR GLD MINIS 98149E204 174,605 9,831,350 SH   SOLE   0 0 9,831,350
ISHARES TR US TREAS BD ETF 46429B267 12 418 SH   SOLE   0 0 418
ISHARES TR RUS 1000 VAL ETF 464287598 25,019 222,158 SH   SOLE   0 0 222,158
ISHARES TR RUS 1000 GRW ETF 464287614 2,377 12,384 SH   SOLE   0 0 12,384
ISHARES TR RUS 2000 VAL ETF 464287630 11,990 123,029 SH   SOLE   0 0 123,029
ISHARES TR RUS 2000 GRW ETF 464287648 3,862 18,670 SH   SOLE   0 0 18,670
ISHARES TR RUS MD CP GR ETF 464287481 24,765 313,246 SH   SOLE   0 0 313,246
ISHARES TR RUS MID CAP ETF 464287499 654 12,194 SH   SOLE   0 0 12,194
ISHARES TR RUS MDCP VAL ETF 464287473 38,055 497,255 SH   SOLE   0 0 497,255
ISHARES TR U.S. ENERGY ETF 464287796 118 5,888 SH   SOLE   0 0 5,888
VANGUARD WORLD FD MEGA CAP INDEX 921910873 515 4,709 SH   SOLE   0 0 4,709
VANGUARD WORLD FD MEGA GRWTH IND 921910816 328,516 2,009,151 SH   SOLE   0 0 2,009,151
SPDR SER TR DJ REIT ETF 78464A607 77 989 SH   SOLE   0 0 989
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 409 8,163 SH   SOLE   0 0 8,163
ISHARES TR EAFE SML CP ETF 464288273 3,969 74,028 SH   SOLE   0 0 74,028
ISHARES TR SHORT TREAS BD 464288679 124,105 1,120,691 SH   SOLE   0 0 1,120,691
SPDR SER TR BLOOMBERG SRT TR 78468R408 5 206 SH   SOLE   0 0 206
ISHARES SILVER TR ISHARES 46428Q109 54 3,200 SH   SOLE   0 0 3,200
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 40,047 806,090 SH   SOLE   0 0 806,090
ISHARES TR MSCI USA MIN VOL 46429B697 125,161 2,064,345 SH   SOLE   0 0 2,064,345
VANGUARD INDEX FDS SML CP GRW ETF 922908595 321 1,609 SH   SOLE   0 0 1,609
VANGUARD INDEX FDS SM CP VAL ETF 922908611 226 2,115 SH   SOLE   0 0 2,115
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 30 358 SH   SOLE   0 0 358
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1 16 SH   SOLE   0 0 16
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 262 3,338 SH   SOLE   0 0 3,338
SELECT SECTOR SPDR TR ENERGY 81369Y506 115 3,032 SH   SOLE   0 0 3,032