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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
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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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 BBG006G2JWB1 486,129 4,286 SH   SOLE   0 0 4,286
AMAZON COM INC COM 023135106 BBG001S5PQL7 925,167 4,217 SH   SOLE   0 0 4,217
APPLE INC COM 037833100 BBG001S5N8V8 474,353 2,312 SH   SOLE   0 0 2,312
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 768,963 15,806 SH   SOLE   0 0 15,806
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,453,886 6,944 SH   SOLE   0 0 6,944
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,890,003 3,059 SH   SOLE   0 0 3,059
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 6,181,451 79,926 SH   SOLE   0 0 79,926
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 233,421 3,357 SH   SOLE   0 0 3,357
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 208,791 2,653 SH   SOLE   0 0 2,653
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 6,594,046 89,557 SH   SOLE   0 0 89,557
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2,042,819 40,967 SH   SOLE   0 0 40,967
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 4,712,015 95,173 SH   SOLE   0 0 95,173
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 13,839,160 49,456 SH   SOLE   0 0 49,456
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 12,740,579 143,056 SH   SOLE   0 0 143,056
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 28,180,329 49,611 SH   SOLE   0 0 49,611
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 17,311,926 88,775 SH   SOLE   0 0 88,775
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 11,282,814 167,849 SH   SOLE   0 0 167,849
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 15,766,076 318,764 SH   SOLE   0 0 318,764
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 586,309 4,562 SH   SOLE   0 0 4,562
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 9,153,782 182,092 SH   SOLE   0 0 182,092
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 8,647,129 147,110 SH   SOLE   0 0 147,110
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,593,334 115,652 SH   SOLE   0 0 115,652
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 3,920,976 17,904 SH   SOLE   0 0 17,904
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 12,827,702 107,687 SH   SOLE   0 0 107,687
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 3,889,502 15,662 SH   SOLE   0 0 15,662
VANGUARD WORLD FD MATERIALS ETF 92204A801 BBG001SHTTP7 8,636,669 44,329 SH   SOLE   0 0 44,329