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 261 2,242 SH   SOLE   2,242 0 0
VANGUARD INDEX FDS Common 922908769 4,275,212 26,128,910 SH   SOLE   26,128,910 0 0
ISHARES TR Common 464287408 132,413 1,017,858 SH   SOLE   1,017,858 0 0
ISHARES TR Common 464287598 393 2,883 SH   SOLE   2,883 0 0
ISHARES TR Common 464287473 116,956 1,234,100 SH   SOLE   1,234,100 0 0
ISHARES TR Common 464287630 106,636 829,332 SH   SOLE   829,332 0 0
ISHARES TR Common 464287457 9,658 114,124 SH   SOLE   114,124 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 3,423,447 77,699,670 SH   SOLE   77,699,670 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,023,027 45,491,947 SH   SOLE   45,491,947 0 0
SPDR SP 500 ETF TR Common 78462F103 672 2,088 SH   SOLE   2,088 0 0
ISHARES TR Common 464288679 563,163 5,098,346 SH   SOLE   5,098,346 0 0
VANGUARD BD INDEX FD INC Common 921937835 187,499 2,235,859 SH   SOLE   2,235,859 0 0
VANGUARD INDEX FDS Common 922908553 2,101 22,641 SH   SOLE   22,641 0 0
ISHARES TR Common 464287226 422,503 3,759,923 SH   SOLE   3,759,923 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 113,612 1,395,552 SH   SOLE   1,395,552 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,158,225 20,470,574 SH   SOLE   20,470,574 0 0
VANGUARD MALVERN FDS Common 922020805 328,599 6,667,995 SH   SOLE   6,667,995 0 0
ISHARES TR Common 464287242 18,785 146,804 SH   SOLE   146,804 0 0
ISHARES TR Common 464288414 759,010 6,663,243 SH   SOLE   6,663,243 0 0
ISHARES TR Common 464288356 5,100 83,299 SH   SOLE   83,299 0 0
ISHARES TR Common 464288323 1,744 30,564 SH   SOLE   30,564 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 7,239 79,261 SH   SOLE   79,261 0 0
SPDR SERIES TRUST Common 78468R721 162,114 3,205,102 SH   SOLE   3,205,102 0 0
ISHARES TR Common 464288281 534,977 4,669,838 SH   SOLE   4,669,838 0 0
Invesco Common 46138E784 2,990 101,082 SH   SOLE   101,082 0 0
SCHWAB STRATEGIC TR Common 808524102 500,576 6,511,129 SH   SOLE   6,511,129 0 0
ISHARES TR Common 464287150 65,931 907,015 SH   SOLE   907,015 0 0
VANGUARD INDEX FDS Common 922908744 1,153,587 9,625,260 SH   SOLE   9,625,260 0 0
SCHWAB STRATEGIC TR Common 808524409 111,684 1,857,688 SH   SOLE   1,857,688 0 0
VANGUARD INDEX FDS Common 922908512 951,096 7,979,664 SH   SOLE   7,979,664 0 0
ISHARES TR Common 464287705 4,308 25,234 SH   SOLE   25,234 0 0
VANGUARD INDEX FDS Common 922908611 790,242 5,765,241 SH   SOLE   5,765,241 0 0
ISHARES TR Common 464287879 350 2,176 SH   SOLE   2,176 0 0
SCHWAB STRATEGIC TR Common 808524805 559,591 16,639,644 SH   SOLE   16,639,644 0 0
ISHARES TR Common 46432F842 33,475 513,111 SH   SOLE   513,111 0 0
SCHWAB STRATEGIC TR Common 808524706 14,644 535,049 SH   SOLE   535,049 0 0
ISHARES INC Common 46434G103 244,001 4,538,703 SH   SOLE   4,538,703 0 0
ISHARES TR Common 464287234 431 9,609 SH   SOLE   9,609 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 347 2,787 SH   SOLE   2,787 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,592 26,944 SH   SOLE   26,944 0 0
ISHARES TR Common 464287200 2,471 7,645 SH   SOLE   7,645 0 0
SCHWAB STRATEGIC TR Common 808524847 1,701 37,020 SH   SOLE   37,020 0 0
VANGUARD BD INDEX FD INC Common 921937793 3,725 37,127 SH   SOLE   37,127 0 0
ISHARES TR Common 464287440 361 3,276 SH   SOLE   3,276 0 0
VANGUARD INDEX FDS Common 922908751 4,669 28,187 SH   SOLE   28,187 0 0
VANGUARD INDEX FDS Common 922908363 13,031 44,053 SH   SOLE   44,053 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 3,123 122,527 SH   SOLE   122,527 0 0
SCHWAB STRATEGIC TR Common 808524797 326 5,635 SH   SOLE   5,635 0 0
VANGUARD INDEX FDS Common 922908736 12,933 70,993 SH   SOLE   70,993 0 0
VANGUARD STAR FD Common 921909768 1,084 19,462 SH   SOLE   19,462 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 224 1,475 SH   SOLE   1,475 0 0
DBX ETF TR Common 233051879 326 10,988 SH   SOLE   10,988 0 0
SPDR SERIES TRUST Common 78468R663 277 3,028 SH   SOLE   3,028 0 0
Invesco Common 46137V589 776 60,700 SH   SOLE   60,700 0 0
INDEXIQ ETF TR Common 45409B107 1,055 34,259 SH   SOLE   34,259 0 0
WISDOMTREE TR Common 97717W125 4,566 123,117 SH   SOLE   123,117 0 0
VANGUARD BD INDEX FD INC Common 921937819 3,845 44,086 SH   SOLE   44,086 0 0
ETFS GOLD TR Common 00326A104 823 56,282 SH   SOLE   56,282 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 794 8,476 SH   SOLE   8,476 0 0
VANGUARD BD INDEX FD INC Common 921937827 7,173 88,984 SH   SOLE   88,984 0 0
ISHARES TR Common 464288646 5,408 100,836 SH   SOLE   100,836 0 0
ISHARES TR Common 464288273 2,154 34,589 SH   SOLE   34,589 0 0
ISHARES TR Common 464288687 230 6,131 SH   SOLE   6,131 0 0
SPDR SERIES TRUST Common 78464A292 439 9,979 SH   SOLE   9,979 0 0
ISHARES TR Common 464288588 8,883 82,201 SH   SOLE   82,201 0 0
MARKET VECTORS ETF TR Common 92189H409 481 7,509 SH   SOLE   7,509 0 0
ISHARES TR Common 464288653 322 2,243 SH   SOLE   2,243 0 0
ISHARES TR Common 464287432 861 6,355 SH   SOLE   6,355 0 0
VANGUARD BD INDEX FD INC Common 92206C847 251 3,016 SH   SOLE   3,016 0 0
CAMBRIA ETF TR Common 132061888 3,904 189,156 SH   SOLE   189,156 0 0
CAMBRIA ETF TR Common 132061409 3,909 163,475 SH   SOLE   163,475 0 0
CAMBRIA ETF TR Common 132061508 18,941 739,014 SH   SOLE   739,014 0 0
CAMBRIA ETF TR Common 132061201 2,695 66,861 SH   SOLE   66,861 0 0
CAMBRIA ETF TR Common 132061300 1,363 55,934 SH   SOLE   55,934 0 0
CAMBRIA ETF TR Common 132061706 1,563 48,101 SH   SOLE   48,101 0 0
Invesco Common 46090F100 681 41,121 SH   SOLE   41,121 0 0
CAMBRIA ETF TR Common 132061805 3,024 120,174 SH   SOLE   120,174 0 0
WISDOMTREE TR Common 97717W547 669 7,057 SH   SOLE   7,057 0 0
ISHARES TR Common 464288448 253 7,544 SH   SOLE   7,544 0 0
VANGUARD BD INDEX FD INC Common 922907746 1,008 18,822 SH   SOLE   18,822 0 0
VANECK VECTORS TR Common 92189H300 858 25,225 SH   SOLE   25,225 0 0
VANGUARD INDEX FDS Common 921932505 566 3,243 SH   SOLE   3,243 0 0
VANGUARD INDEX FDS Common 921932703 599 4,767 SH   SOLE   4,767 0 0
VANGUARD BD INDEX FD INC Common 92206C771 4,073 76,594 SH   SOLE   76,594 0 0
Goldman Sachs Common 381430503 92,344 1,427,923 SH   SOLE   1,427,923 0 0
Goldman Sachs Common 381430107 30,771 1,017,218 SH   SOLE   1,017,218 0 0
Goldman Sachs Common 381430206 8,995 261,928 SH   SOLE   261,928 0 0
ISHARES TR Common 464288513 11,186 127,195 SH   SOLE   127,195 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 6,976 68,828 SH   SOLE   68,828 0 0
ISHARES TR Common 464286517 617 14,066 SH   SOLE   14,066 0 0
VANGUARD INTL EQUITY INDEX F Common 922042718 514 4,624 SH   SOLE   4,624 0 0
ISHARES TR Common 464289511 604 9,064 SH   SOLE   9,064 0 0
SCHWAB STRATEGIC TR Common 808524755 278 9,605 SH   SOLE   9,605 0 0
Vanguard Common 922908595 1,179 5,936 SH   SOLE   5,936 0 0
Vanguard Common 922908538 3,464 21,816 SH   SOLE   21,816 0 0
Goldman Sachs Common 381430529 3,978 39,728 SH   SOLE   39,728 0 0
iShares Common 46429B655 18,329 359,965 SH   SOLE   359,965 0 0
SPDR State Street Global Advisors Common 81369Y860 271 7,002 SH   SOLE   7,002 0 0
iShares Common 46431W507 114,069 2,270,039 SH   SOLE   2,270,039 0 0
SPDR State Street Global Advisors Common 78464A300 4,360 66,353 SH   SOLE   66,353 0 0
Vanguard Common 921932869 321 2,188 SH   SOLE   2,188 0 0
iShares Common 464288570 79,263 659,811 SH   SOLE   659,811 0 0
iShares Common 464288802 9,315 69,503 SH   SOLE   69,503 0 0
SPDR State Street Global Advisors Common 78464A508 8,566 245,365 SH   SOLE   245,365 0 0
iShares Common 464286285 3,612 76,353 SH   SOLE   76,353 0 0
iShares Common 46434G863 17,015 473,570 SH   SOLE   473,570 0 0
Goldman Sachs Common 381430602 7,097 150,167 SH   SOLE   150,167 0 0
Goldman Sachs Common 381430479 10,435 198,379 SH   SOLE   198,379 0 0
Goldman Sachs Common 381430453 1,414 28,424 SH   SOLE   28,424 0 0
XTRACKERS Common 233051432 1,146 22,754 SH   SOLE   22,754 0 0
GraniteShares Bloomberg Commodity Broad Strateg Common 38747R108 524 21,621 SH   SOLE   21,621 0 0
Goldman Sachs Common 381430362 1,464 27,972 SH   SOLE   27,972 0 0