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 509 4,507 SH   SOLE   4,507 0 0
VANGUARD INDEX FDS Common 922908769 2,766,502 19,700,223 SH   SOLE   19,700,223 0 0
ISHARES TR Common 464287408 179,221 1,627,355 SH   SOLE   1,627,355 0 0
ISHARES TR Common 464287473 68,976 779,473 SH   SOLE   779,473 0 0
ISHARES TR Common 464287630 70,360 533,351 SH   SOLE   533,351 0 0
ISHARES TR Common 464287457 1,297 15,561 SH   SOLE   15,561 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 2,893,764 67,453,700 SH   SOLE   67,453,700 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 1,285,627 30,465,084 SH   SOLE   30,465,084 0 0
ISHARES TR Common 464288679 240,007 2,173,191 SH   SOLE   2,173,191 0 0
VANGUARD BD INDEX FD INC Common 921937835 220,253 2,781,328 SH   SOLE   2,781,328 0 0
VANGUARD INDEX FDS Common 922908553 2,399 29,457 SH   SOLE   29,457 0 0
ISHARES TR Common 464287226 120,970 1,137,792 SH   SOLE   1,137,792 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 75,390 1,001,190 SH   SOLE   1,001,190 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 808,714 14,781,830 SH   SOLE   14,781,830 0 0
VANGUARD MALVERN FDS Common 922020805 216,352 4,428,909 SH   SOLE   4,428,909 0 0
ISHARES TR Common 464287242 60,845 531,069 SH   SOLE   531,069 0 0
ISHARES TR Common 464288414 699,629 6,416,264 SH   SOLE   6,416,264 0 0
ISHARES TR Common 464288356 4,646 79,363 SH   SOLE   79,363 0 0
ISHARES TR Common 464288323 739 13,494 SH   SOLE   13,494 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 12,705 152,120 SH   SOLE   152,120 0 0
SPDR SERIES TRUST Common 78468R721 252,489 5,262,382 SH   SOLE   5,262,382 0 0
ISHARES TR Common 464288281 364,924 3,417,850 SH   SOLE   3,417,850 0 0
Invesco Common 46138E784 2,302 86,798 SH   SOLE   86,798 0 0
SCHWAB STRATEGIC TR Common 808524102 215,963 3,272,660 SH   SOLE   3,272,660 0 0
ISHARES TR Common 464287150 7,683 122,890 SH   SOLE   122,890 0 0
VANGUARD INDEX FDS Common 922908744 1,233,474 11,879,745 SH   SOLE   11,879,745 0 0
SCHWAB STRATEGIC TR Common 808524409 2,022 38,074 SH   SOLE   38,074 0 0
VANGUARD INDEX FDS Common 922908512 678,393 6,141,524 SH   SOLE   6,141,524 0 0
ISHARES TR Common 464287705 2,138 13,198 SH   SOLE   13,198 0 0
VANGUARD INDEX FDS Common 922908611 590,120 4,345,827 SH   SOLE   4,345,827 0 0
ISHARES TR Common 464287879 1,408 8,622 SH   SOLE   8,622 0 0
SCHWAB STRATEGIC TR Common 808524805 529,857 16,031,970 SH   SOLE   16,031,970 0 0
ISHARES TR Common 46432F842 13,782 217,481 SH   SOLE   217,481 0 0
SCHWAB STRATEGIC TR Common 808524706 7,005 270,583 SH   SOLE   270,583 0 0
ISHARES INC Common 46434G103 192,174 3,659,754 SH   SOLE   3,659,754 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,213 20,886 SH   SOLE   20,886 0 0
ISHARES TR Common 464287200 2,011 7,365 SH   SOLE   7,365 0 0
SCHWAB STRATEGIC TR Common 808524847 277 6,632 SH   SOLE   6,632 0 0
VANGUARD BD INDEX FD INC Common 921937793 1,326 14,959 SH   SOLE   14,959 0 0
ISHARES TR Common 464287440 296 2,886 SH   SOLE   2,886 0 0
VANGUARD INDEX FDS Common 922908751 2,918 18,744 SH   SOLE   18,744 0 0
VANGUARD INDEX FDS Common 922908363 5,477 21,952 SH   SOLE   21,952 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 3,163 136,222 SH   SOLE   136,222 0 0
VANGUARD INDEX FDS Common 922908736 6,029 40,241 SH   SOLE   40,241 0 0
VANGUARD STAR FD Common 921909768 580 10,728 SH   SOLE   10,728 0 0
SPDR SERIES TRUST Common 78468R663 218 2,376 SH   SOLE   2,376 0 0
Invesco Common 46137V589 475 39,608 SH   SOLE   39,608 0 0
INDEXIQ ETF TR Common 45409B107 869 28,586 SH   SOLE   28,586 0 0
WISDOMTREE TR Common 97717W125 6,886 172,836 SH   SOLE   172,836 0 0
VANGUARD BD INDEX FD INC Common 921937819 1,459 18,013 SH   SOLE   18,013 0 0
ETFS GOLD TR Common 26922Y105 927 7,660 SH   SOLE   7,660 0 0
VANGUARD WORLD FDS Common 92204A405 201 2,984 SH   SOLE   2,984 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 677 8,156 SH   SOLE   8,156 0 0
VANGUARD BD INDEX FD INC Common 921937827 2,887 36,909 SH   SOLE   36,909 0 0
ISHARES TR Common 464288638 935 8,797 SH   SOLE   8,797 0 0
ISHARES TR Common 464288646 4,286 41,334 SH   SOLE   41,334 0 0
ISHARES TR Common 464288273 2,249 35,845 SH   SOLE   35,845 0 0
SPDR SERIES TRUST Common 78464A292 434 9,979 SH   SOLE   9,979 0 0
ISHARES TR Common 464288588 7,410 71,123 SH   SOLE   71,123 0 0
MARKET VECTORS ETF TR Common 92189F361 419 13,308 SH   SOLE   13,308 0 0
ISHARES TR Common 464288653 295 2,242 SH   SOLE   2,242 0 0
VANGUARD BD INDEX FD INC Common 92206C847 308 4,119 SH   SOLE   4,119 0 0
ISHARES TR Common 464288661 3,825 31,876 SH   SOLE   31,876 0 0
CAMBRIA ETF TR Common 132061888 5,576 215,856 SH   SOLE   215,856 0 0
CAMBRIA ETF TR Common 132061409 5,164 217,686 SH   SOLE   217,686 0 0
CAMBRIA ETF TR Common 132061508 27,839 1,041,488 SH   SOLE   1,041,488 0 0
CAMBRIA ETF TR Common 132061201 3,516 92,919 SH   SOLE   92,919 0 0
CAMBRIA ETF TR Common 132061300 1,775 70,615 SH   SOLE   70,615 0 0
CAMBRIA ETF TR Common 132061706 1,952 59,422 SH   SOLE   59,422 0 0
Invesco Common 46090F100 961 52,073 SH   SOLE   52,073 0 0
CAMBRIA ETF TR Common 132061805 3,629 143,340 SH   SOLE   143,340 0 0
WISDOMTREE TR Common 97717W547 543 6,581 SH   SOLE   6,581 0 0
VANGUARD BD INDEX FD INC Common 922907746 615 12,058 SH   SOLE   12,058 0 0
VANECK VECTORS TR Common 92189F494 1,170 68,723 SH   SOLE   68,723 0 0
VANGUARD BD INDEX FD INC Common 92206C771 1,488 28,936 SH   SOLE   28,936 0 0
Goldman Sachs Common 381430503 37,997 694,004 SH   SOLE   694,004 0 0
Goldman Sachs Common 381430107 18,091 615,771 SH   SOLE   615,771 0 0
Goldman Sachs Common 381430206 12,921 389,412 SH   SOLE   389,412 0 0
ISHARES TR Common 464288513 5,638 66,266 SH   SOLE   66,266 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 3,754 42,866 SH   SOLE   42,866 0 0
ISHARES TR Common 464286517 4,745 106,993 SH   SOLE   106,993 0 0
VANGUARD INTL EQUITY INDEX F Common 922042718 313 2,710 SH   SOLE   2,710 0 0
ISHARES TR Common 464289511 694 11,981 SH   SOLE   11,981 0 0
Vanguard Common 922908595 605 3,444 SH   SOLE   3,444 0 0
Vanguard Common 922908538 1,716 12,765 SH   SOLE   12,765 0 0
iShares Common 46432F834 373 6,195 SH   SOLE   6,195 0 0
Goldman Sachs Common 381430529 1,813 18,112 SH   SOLE   18,112 0 0
iShares Common 46429B655 4,931 96,686 SH   SOLE   96,686 0 0
iShares Common 464288570 38,058 377,039 SH   SOLE   377,039 0 0
iShares Common 464288802 3,631 32,189 SH   SOLE   32,189 0 0
iShares Common 464286285 2,865 62,298 SH   SOLE   62,298 0 0
Goldman Sachs Common 381430602 3,074 65,636 SH   SOLE   65,636 0 0
Goldman Sachs Common 381430479 1,593 33,250 SH   SOLE   33,250 0 0
Goldman Sachs Common 381430453 2,724 56,285 SH   SOLE   56,285 0 0