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
ISHARES TR Common 464287176 785 6,943 SH   SOLE   6,943 0 0
VANGUARD INDEX FDS Common 922908769 3,486,509 24,093,074 SH   SOLE   24,093,074 0 0
ISHARES TR Common 464287408 133,255 1,181,965 SH   SOLE   1,181,965 0 0
ISHARES TR Common 464287598 230 1,865 SH   SOLE   1,865 0 0
ISHARES TR Common 464287473 101,037 1,163,222 SH   SOLE   1,163,222 0 0
ISHARES TR Common 464287630 89,311 744,883 SH   SOLE   744,883 0 0
ISHARES TR Common 464287457 10,505 124,880 SH   SOLE   124,880 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 2,826,453 69,157,157 SH   SOLE   69,157,157 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 1,684,239 39,629,146 SH   SOLE   39,629,146 0 0
ISHARES TR Common 464288679 843,952 7,632,739 SH   SOLE   7,632,739 0 0
VANGUARD BD INDEX FD INC Common 921937835 197,916 2,437,985 SH   SOLE   2,437,985 0 0
VANGUARD INDEX FDS Common 922908553 3,044 35,021 SH   SOLE   35,021 0 0
ISHARES TR Common 464287226 304,393 2,790,801 SH   SOLE   2,790,801 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 122,707 1,568,146 SH   SOLE   1,568,146 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 979,491 17,563,036 SH   SOLE   17,563,036 0 0
VANGUARD MALVERN FDS Common 922020805 276,766 5,685,410 SH   SOLE   5,685,410 0 0
ISHARES TR Common 464287242 15,367 129,073 SH   SOLE   129,073 0 0
ISHARES TR Common 464288414 615,089 5,531,871 SH   SOLE   5,531,871 0 0
ISHARES TR Common 464288356 3,790 63,596 SH   SOLE   63,596 0 0
ISHARES TR Common 464288323 1,295 23,193 SH   SOLE   23,193 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 8,105 93,296 SH   SOLE   93,296 0 0
SPDR SERIES TRUST Common 78468R721 182,072 3,694,641 SH   SOLE   3,694,641 0 0
ISHARES TR Common 464288281 414,813 3,768,968 SH   SOLE   3,768,968 0 0
Invesco Common 46138E784 3,207 114,528 SH   SOLE   114,528 0 0
SCHWAB STRATEGIC TR Common 808524102 462,927 6,802,748 SH   SOLE   6,802,748 0 0
ISHARES TR Common 464287150 25,663 398,487 SH   SOLE   398,487 0 0
VANGUARD INDEX FDS Common 922908744 938,319 8,718,009 SH   SOLE   8,718,009 0 0
SCHWAB STRATEGIC TR Common 808524409 91,855 1,678,019 SH   SOLE   1,678,019 0 0
VANGUARD INDEX FDS Common 922908512 777,489 7,206,977 SH   SOLE   7,206,977 0 0
ISHARES TR Common 464287705 6,630 42,236 SH   SOLE   42,236 0 0
VANGUARD INDEX FDS Common 922908611 658,088 5,112,161 SH   SOLE   5,112,161 0 0
ISHARES TR Common 464287879 363 2,459 SH   SOLE   2,459 0 0
SCHWAB STRATEGIC TR Common 808524805 479,184 15,304,508 SH   SOLE   15,304,508 0 0
ISHARES TR Common 46432F842 30,273 498,161 SH   SOLE   498,161 0 0
SCHWAB STRATEGIC TR Common 808524706 14,388 553,159 SH   SOLE   553,159 0 0
ISHARES INC Common 46434G103 219,260 4,240,180 SH   SOLE   4,240,180 0 0
ISHARES TR Common 464287234 367 8,557 SH   SOLE   8,557 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 206 1,876 SH   SOLE   1,876 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,555 26,108 SH   SOLE   26,108 0 0
ISHARES TR Common 464287200 2,718 9,552 SH   SOLE   9,552 0 0
SCHWAB STRATEGIC TR Common 808524847 692 15,565 SH   SOLE   15,565 0 0
VANGUARD BD INDEX FD INC Common 921937793 1,936 21,007 SH   SOLE   21,007 0 0
ISHARES TR Common 464287440 326 3,055 SH   SOLE   3,055 0 0
VANGUARD INDEX FDS Common 922908751 3,606 23,598 SH   SOLE   23,598 0 0
VANGUARD INDEX FDS Common 922908363 10,579 40,761 SH   SOLE   40,761 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 3,316 134,094 SH   SOLE   134,094 0 0
SCHWAB STRATEGIC TR Common 808524797 227 4,349 SH   SOLE   4,349 0 0
VANGUARD INDEX FDS Common 922908736 8,238 52,667 SH   SOLE   52,667 0 0
VANGUARD STAR FD Common 921909768 690 13,288 SH   SOLE   13,288 0 0
DBX ETF TR Common 233051879 245 8,521 SH   SOLE   8,521 0 0
SPDR SERIES TRUST Common 78468R663 226 2,467 SH   SOLE   2,467 0 0
Invesco Common 46137V589 524 45,755 SH   SOLE   45,755 0 0
INDEXIQ ETF TR Common 45409B107 911 30,310 SH   SOLE   30,310 0 0
WISDOMTREE TR Common 97717W125 5,592 143,783 SH   SOLE   143,783 0 0
VANGUARD BD INDEX FD INC Common 921937819 2,159 25,726 SH   SOLE   25,726 0 0
ETFS GOLD TR Common 00326A104 834 6,696 SH   SOLE   6,696 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 703 8,206 SH   SOLE   8,206 0 0
VANGUARD BD INDEX FD INC Common 921937827 4,367 54,874 SH   SOLE   54,874 0 0
ISHARES TR Common 464288646 5,968 112,988 SH   SOLE   112,988 0 0
ISHARES TR Common 464288273 3,742 65,142 SH   SOLE   65,142 0 0
SPDR SERIES TRUST Common 78464A292 426 9,979 SH   SOLE   9,979 0 0
ISHARES TR Common 464288588 5,346 50,262 SH   SOLE   50,262 0 0
MARKET VECTORS ETF TR Common 92189H409 423 6,734 SH   SOLE   6,734 0 0
ISHARES TR Common 464288653 312 2,264 SH   SOLE   2,264 0 0
VANGUARD BD INDEX FD INC Common 92206C847 233 2,998 SH   SOLE   2,998 0 0
ISHARES TR Common 464288661 2,069 16,792 SH   SOLE   16,792 0 0
CAMBRIA ETF TR Common 132061888 4,041 194,925 SH   SOLE   194,925 0 0
CAMBRIA ETF TR Common 132061409 4,314 190,613 SH   SOLE   190,613 0 0
CAMBRIA ETF TR Common 132061508 21,583 859,190 SH   SOLE   859,190 0 0
CAMBRIA ETF TR Common 132061201 2,946 81,819 SH   SOLE   81,819 0 0
CAMBRIA ETF TR Common 132061300 1,515 64,990 SH   SOLE   64,990 0 0
CAMBRIA ETF TR Common 132061706 1,740 55,976 SH   SOLE   55,976 0 0
Invesco Common 46090F100 748 45,008 SH   SOLE   45,008 0 0
CAMBRIA ETF TR Common 132061805 3,405 136,305 SH   SOLE   136,305 0 0
WISDOMTREE TR Common 97717W547 613 7,235 SH   SOLE   7,235 0 0
ISHARES TR Common 464288448 210 6,795 SH   SOLE   6,795 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,233 23,639 SH   SOLE   23,639 0 0
VANECK VECTORS TR Common 92189H300 1,903 57,034 SH   SOLE   57,034 0 0
VANGUARD INDEX FDS Common 921932505 232 1,503 SH   SOLE   1,503 0 0
VANGUARD INDEX FDS Common 921932703 353 3,245 SH   SOLE   3,245 0 0
VANGUARD BD INDEX FD INC Common 92206C771 2,367 45,214 SH   SOLE   45,214 0 0
Goldman Sachs Common 381430503 55,521 976,965 SH   SOLE   976,965 0 0
Goldman Sachs Common 381430107 28,801 1,026,757 SH   SOLE   1,026,757 0 0
Goldman Sachs Common 381430206 23,169 712,031 SH   SOLE   712,031 0 0
ISHARES TR Common 464288513 5,782 66,870 SH   SOLE   66,870 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 5,963 65,148 SH   SOLE   65,148 0 0
ISHARES TR Common 464286517 7,780 177,457 SH   SOLE   177,457 0 0
VANGUARD INTL EQUITY INDEX F Common 922042718 626 6,016 SH   SOLE   6,016 0 0
SPDR SERIES TRUST Common 78464A607 204 2,065 SH   SOLE   2,065 0 0
ISHARES TR Common 464289511 616 10,202 SH   SOLE   10,202 0 0
SCHWAB STRATEGIC TR Common 808524755 313 11,361 SH   SOLE   11,361 0 0
Vanguard Common 922908595 823 4,579 SH   SOLE   4,579 0 0
Vanguard Common 922908538 2,384 16,699 SH   SOLE   16,699 0 0
iShares Common 46432F834 369 6,362 SH   SOLE   6,362 0 0
Goldman Sachs Common 381430529 5,790 57,749 SH   SOLE   57,749 0 0
iShares Common 46429B655 11,304 222,036 SH   SOLE   222,036 0 0
SPDR State Street Global Advisors Common 81369Y860 355 9,799 SH   SOLE   9,799 0 0
iShares Common 46431W507 174,452 3,472,364 SH   SOLE   3,472,364 0 0
SPDR State Street Global Advisors Common 78464A300 2,733 45,319 SH   SOLE   45,319 0 0
Vanguard Common 921932869 302 2,228 SH   SOLE   2,228 0 0
iShares Common 464288570 52,569 498,383 SH   SOLE   498,383 0 0
iShares Common 464288802 6,663 56,350 SH   SOLE   56,350 0 0
SPDR State Street Global Advisors Common 78464A508 8,818 291,213 SH   SOLE   291,213 0 0
iShares Common 464286285 2,742 58,597 SH   SOLE   58,597 0 0
iShares Common 46434G863 10,209 299,735 SH   SOLE   299,735 0 0
Goldman Sachs Common 381430602 4,366 100,136 SH   SOLE   100,136 0 0
Goldman Sachs Common 381430479 4,325 87,257 SH   SOLE   87,257 0 0
Goldman Sachs Common 381430453 1,916 39,206 SH   SOLE   39,206 0 0
XTRACKERS Common 233051432 715 14,382 SH   SOLE   14,382 0 0