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 350 2,767 SH   SOLE   2,767 0 0
VANGUARD INDEX FDS Common 922908769 3,929,092 23,070,239 SH   SOLE   23,070,239 0 0
ISHARES TR Common 464287408 76,036 676,172 SH   SOLE   676,172 0 0
ISHARES TR Common 464287473 162,772 2,013,509 SH   SOLE   2,013,509 0 0
ISHARES TR Common 464287630 119,404 1,202,096 SH   SOLE   1,202,096 0 0
ISHARES TR Common 464287457 6,478 74,882 SH   SOLE   74,882 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 2,868,385 70,131,674 SH   SOLE   70,131,674 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 2,040,259 47,184,524 SH   SOLE   47,184,524 0 0
SPDR SP 500 ETF TR Common 78462F103 648 1,935 SH   SOLE   1,935 0 0
ISHARES TR Common 464288679 947,451 8,558,722 SH   SOLE   8,558,722 0 0
VANGUARD BD INDEX FD INC Common 921937835 159,038 1,802,741 SH   SOLE   1,802,741 0 0
VANGUARD INDEX FDS Common 922908553 1,194 15,124 SH   SOLE   15,124 0 0
ISHARES TR Common 464287226 503,093 4,261,329 SH   SOLE   4,261,329 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 83,604 1,059,618 SH   SOLE   1,059,618 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 1,245,684 21,407,189 SH   SOLE   21,407,189 0 0
VANGUARD MALVERN FDS Common 922020805 352,676 6,912,503 SH   SOLE   6,912,503 0 0
ISHARES TR Common 464287242 15,617 115,929 SH   SOLE   115,929 0 0
ISHARES TR Common 464288414 683,824 5,898,594 SH   SOLE   5,898,594 0 0
ISHARES TR Common 464288356 3,376 54,105 SH   SOLE   54,105 0 0
ISHARES TR Common 464288323 2,289 39,840 SH   SOLE   39,840 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,547 37,028 SH   SOLE   37,028 0 0
SPDR SERIES TRUST Common 78468R721 208,368 4,012,484 SH   SOLE   4,012,484 0 0
ISHARES TR Common 464288281 592,253 5,340,902 SH   SOLE   5,340,902 0 0
Invesco Common 46138E784 3,223 118,859 SH   SOLE   118,859 0 0
SCHWAB STRATEGIC TR Common 808524102 383,528 4,815,773 SH   SOLE   4,815,773 0 0
ISHARES TR Common 464287150 801,081 10,611,746 SH   SOLE   10,611,746 0 0
VANGUARD INDEX FDS Common 922908744 1,071,780 10,255,289 SH   SOLE   10,255,289 0 0
SCHWAB STRATEGIC TR Common 808524409 134,094 2,569,346 SH   SOLE   2,569,346 0 0
VANGUARD INDEX FDS Common 922908512 911,811 8,994,884 SH   SOLE   8,994,884 0 0
ISHARES TR Common 464287705 12,081 89,584 SH   SOLE   89,584 0 0
VANGUARD INDEX FDS Common 922908611 788,865 7,130,658 SH   SOLE   7,130,658 0 0
SCHWAB STRATEGIC TR Common 808524805 682,716 21,742,557 SH   SOLE   21,742,557 0 0
ISHARES TR Common 46432F842 370,206 6,141,432 SH   SOLE   6,141,432 0 0
SCHWAB STRATEGIC TR Common 808524706 2,840 106,132 SH   SOLE   106,132 0 0
ISHARES INC Common 46434G103 314,254 5,951,787 SH   SOLE   5,951,787 0 0
VANGUARD SPECIALIZED PORTFOL Common 921908844 489 3,798 SH   SOLE   3,798 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,084 22,306 SH   SOLE   22,306 0 0
ISHARES TR Common 464287200 2,297 6,836 SH   SOLE   6,836 0 0
SCHWAB STRATEGIC TR Common 808524847 1,315 37,166 SH   SOLE   37,166 0 0
VANGUARD BD INDEX FD INC Common 921937793 7,194 64,328 SH   SOLE   64,328 0 0
ISHARES Common 464289479 481 6,368 SH   SOLE   6,368 0 0
ISHARES TR Common 464287440 2,140 17,565 SH   SOLE   17,565 0 0
VANGUARD INDEX FDS Common 922908751 6,774 44,044 SH   SOLE   44,044 0 0
VANGUARD INDEX FDS Common 922908363 36,215 117,715 SH   SOLE   117,715 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 1,607 84,427 SH   SOLE   84,427 0 0
SCHWAB STRATEGIC TR Common 808524797 208 3,757 SH   SOLE   3,757 0 0
VANGUARD INDEX FDS Common 922908736 23,051 101,272 SH   SOLE   101,272 0 0
VANGUARD STAR FD Common 921909768 574 10,997 SH   SOLE   10,997 0 0
VANGUARD ADMIRAL FDS INC Common 921932828 344 2,664 SH   SOLE   2,664 0 0
DBX ETF TR Common 233051879 353 10,246 SH   SOLE   10,246 0 0
SPDR SERIES TRUST Common 78468R663 261 2,850 SH   SOLE   2,850 0 0
Invesco Common 46137V589 728 66,935 SH   SOLE   66,935 0 0
INDEXIQ ETF TR Common 45409B107 936 30,215 SH   SOLE   30,215 0 0
WISDOMTREE TR Common 97717W125 3,325 94,975 SH   SOLE   94,975 0 0
VANGUARD BD INDEX FD INC Common 921937819 6,823 72,994 SH   SOLE   72,994 0 0
ETFS GOLD TR Common 00326A104 537 29,604 SH   SOLE   29,604 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 718 8,868 SH   SOLE   8,868 0 0
VANGUARD BD INDEX FD INC Common 921937827 12,646 152,271 SH   SOLE   152,271 0 0
ISHARES TR Common 464288646 10,031 182,682 SH   SOLE   182,682 0 0
ISHARES TR Common 464288687 580 15,905 SH   SOLE   15,905 0 0
ISHARES TR Common 464288588 6,086 55,130 SH   SOLE   55,130 0 0
MARKET VECTORS ETF TR Common 92189H409 511 8,544 SH   SOLE   8,544 0 0
ISHARES TR Common 464288653 315 1,891 SH   SOLE   1,891 0 0
ISHARES TR Common 464287432 526 3,221 SH   SOLE   3,221 0 0
VANGUARD BD INDEX FD INC Common 92206C847 233 2,339 SH   SOLE   2,339 0 0
CAMBRIA ETF TR Common 132061888 2,795 155,561 SH   SOLE   155,561 0 0
CAMBRIA ETF TR Common 132061409 2,581 149,795 SH   SOLE   149,795 0 0
CAMBRIA ETF TR Common 132061508 13,246 552,159 SH   SOLE   552,159 0 0
CAMBRIA ETF TR Common 132061201 1,885 54,496 SH   SOLE   54,496 0 0
CAMBRIA ETF TR Common 132061300 938 47,126 SH   SOLE   47,126 0 0
CAMBRIA ETF TR Common 132061706 1,121 39,974 SH   SOLE   39,974 0 0
Invesco Common 46090F100 473 34,601 SH   SOLE   34,601 0 0
CAMBRIA ETF TR Common 132061805 2,107 85,843 SH   SOLE   85,843 0 0
WISDOMTREE TR Common 97717W547 361 4,356 SH   SOLE   4,356 0 0
VANGUARD BD INDEX FD INC Common 922907746 967 17,766 SH   SOLE   17,766 0 0
VANECK VECTORS TR Common 92189H300 487 15,806 SH   SOLE   15,806 0 0
VANGUARD INDEX FDS Common 921932505 1,496 7,177 SH   SOLE   7,177 0 0
VANGUARD INDEX FDS Common 921932703 1,426 13,088 SH   SOLE   13,088 0 0
VANGUARD BD INDEX FD INC Common 92206C771 7,295 134,419 SH   SOLE   134,419 0 0
ISHARES TR Common 46435G672 453 8,139 SH   SOLE   8,139 0 0
Goldman Sachs Common 381430503 110,460 1,623,222 SH   SOLE   1,623,222 0 0
Goldman Sachs Common 381430107 40,821 1,450,131 SH   SOLE   1,450,131 0 0
Goldman Sachs Common 381430206 9,631 293,717 SH   SOLE   293,717 0 0
ISHARES TR Common 464288513 12,389 147,662 SH   SOLE   147,662 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 7,162 67,011 SH   SOLE   67,011 0 0
ISHARES TR Common 464287622 323 1,726 SH   SOLE   1,726 0 0
ISHARES TR Common 464288620 375 6,165 SH   SOLE   6,165 0 0
ISHARES TR Common 464289511 1,296 18,411 SH   SOLE   18,411 0 0
Vanguard Common 922908595 1,406 6,540 SH   SOLE   6,540 0 0
Vanguard Common 922908538 4,162 23,107 SH   SOLE   23,107 0 0
iShares Common 464287648 333 1,503 SH   SOLE   1,503 0 0
Goldman Sachs Common 381430529 8,446 84,103 SH   SOLE   84,103 0 0
iShares Common 46429B655 8,529 168,168 SH   SOLE   168,168 0 0
iShares Common 46431W507 67,817 1,353,358 SH   SOLE   1,353,358 0 0
SPDR State Street Global Advisors Common 78464A300 14,599 291,451 SH   SOLE   291,451 0 0
Vanguard Common 921932869 846 5,676 SH   SOLE   5,676 0 0
iShares Common 464288570 88,966 695,317 SH   SOLE   695,317 0 0
iShares Common 464288802 24,801 168,613 SH   SOLE   168,613 0 0
SPDR State Street Global Advisors Common 78464A508 11,792 390,458 SH   SOLE   390,458 0 0
SPDR State Street Global Advisors Common 78463X509 10,506 287,354 SH   SOLE   287,354 0 0
iShares Common 464286285 3,048 69,849 SH   SOLE   69,849 0 0
iShares Common 46435G516 79,874 1,258,261 SH   SOLE   1,258,261 0 0
iShares Common 46431W705 3,905 42,783 SH   SOLE   42,783 0 0
iShares Common 46434G863 29,042 815,569 SH   SOLE   815,569 0 0
iShares Common 46435G425 215 2,820 SH   SOLE   2,820 0 0
Goldman Sachs Common 381430602 7,566 179,680 SH   SOLE   179,680 0 0
Goldman Sachs Common 381430479 16,856 305,587 SH   SOLE   305,587 0 0
Goldman Sachs Common 381430453 1,674 34,587 SH   SOLE   34,587 0 0
XTRACKERS Common 233051432 1,276 26,530 SH   SOLE   26,530 0 0
GraniteShares Common 38747R108 714 33,672 SH   SOLE   33,672 0 0
JP Morgan Common 46641Q837 150,233 2,957,343 SH   SOLE   2,957,343 0 0
Goldman Sachs Common 381430362 2,375 41,798 SH   SOLE   41,798 0 0