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 866 7,909 SH   SOLE   7,909 0 0
VANGUARD INDEX FDS Common 922908769 2,940,456 23,038,912 SH   SOLE   23,038,912 0 0
ISHARES TR Common 464287408 125,389 1,239,756 SH   SOLE   1,239,756 0 0
ISHARES TR Common 464287473 88,428 1,158,194 SH   SOLE   1,158,194 0 0
ISHARES TR Common 464287630 81,154 754,641 SH   SOLE   754,641 0 0
ISHARES TR Common 464287457 9,722 116,267 SH   SOLE   116,267 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 2,423,832 65,332,389 SH   SOLE   65,332,389 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 1,459,854 38,316,369 SH   SOLE   38,316,369 0 0
ISHARES TR Common 464288679 635,303 5,759,773 SH   SOLE   5,759,773 0 0
VANGUARD BD INDEX FD INC Common 921937835 199,840 2,522,912 SH   SOLE   2,522,912 0 0
VANGUARD INDEX FDS Common 922908553 2,391 32,066 SH   SOLE   32,066 0 0
ISHARES TR Common 464287226 263,754 2,476,797 SH   SOLE   2,476,797 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 119,255 1,599,879 SH   SOLE   1,599,879 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 905,026 16,682,505 SH   SOLE   16,682,505 0 0
VANGUARD MALVERN FDS Common 922020805 256,757 5,358,041 SH   SOLE   5,358,041 0 0
ISHARES TR Common 464287242 14,428 127,885 SH   SOLE   127,885 0 0
ISHARES TR Common 464288414 569,596 5,223,730 SH   SOLE   5,223,730 0 0
ISHARES TR Common 464288356 4,729 80,905 SH   SOLE   80,905 0 0
ISHARES TR Common 464288323 624 11,388 SH   SOLE   11,388 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 7,932 95,730 SH   SOLE   95,730 0 0
SPDR SERIES TRUST Common 78468R721 185,194 3,848,596 SH   SOLE   3,848,596 0 0
ISHARES TR Common 464288281 360,277 3,467,206 SH   SOLE   3,467,206 0 0
Invesco Common 46138E784 3,215 121,685 SH   SOLE   121,685 0 0
SCHWAB STRATEGIC TR Common 808524102 404,877 6,755,826 SH   SOLE   6,755,826 0 0
ISHARES TR Common 464287150 14,139 249,109 SH   SOLE   249,109 0 0
VANGUARD INDEX FDS Common 922908744 804,379 8,212,138 SH   SOLE   8,212,138 0 0
SCHWAB STRATEGIC TR Common 808524409 75,590 1,533,572 SH   SOLE   1,533,572 0 0
VANGUARD INDEX FDS Common 922908512 652,379 6,848,406 SH   SOLE   6,848,406 0 0
ISHARES TR Common 464287705 6,039 43,654 SH   SOLE   43,654 0 0
VANGUARD INDEX FDS Common 922908611 553,027 4,848,558 SH   SOLE   4,848,558 0 0
ISHARES TR Common 464287879 278 2,106 SH   SOLE   2,106 0 0
SCHWAB STRATEGIC TR Common 808524805 423,821 14,949,601 SH   SOLE   14,949,601 0 0
ISHARES TR Common 46432F842 22,983 417,874 SH   SOLE   417,874 0 0
SCHWAB STRATEGIC TR Common 808524706 13,015 553,134 SH   SOLE   553,134 0 0
ISHARES INC Common 46434G103 196,316 4,163,640 SH   SOLE   4,163,640 0 0
ISHARES TR Common 464287234 326 8,341 SH   SOLE   8,341 0 0
VANGUARD INTL EQUITY INDEX F Common 922042676 1,193 22,769 SH   SOLE   22,769 0 0
ISHARES TR Common 464287200 2,141 8,510 SH   SOLE   8,510 0 0
SCHWAB STRATEGIC TR Common 808524847 224 5,827 SH   SOLE   5,827 0 0
VANGUARD BD INDEX FD INC Common 921937793 1,574 17,991 SH   SOLE   17,991 0 0
ISHARES TR Common 464287440 317 3,044 SH   SOLE   3,044 0 0
VANGUARD INDEX FDS Common 922908751 2,892 21,911 SH   SOLE   21,911 0 0
VANGUARD INDEX FDS Common 922908363 9,912 43,131 SH   SOLE   43,131 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 2,726 127,108 SH   SOLE   127,108 0 0
VANGUARD INDEX FDS Common 922908736 6,204 46,183 SH   SOLE   46,183 0 0
VANGUARD STAR FD Common 921909768 471 9,974 SH   SOLE   9,974 0 0
SPDR SERIES TRUST Common 78468R663 205 2,236 SH   SOLE   2,236 0 0
Invesco Common 46137V589 293 29,294 SH   SOLE   29,294 0 0
INDEXIQ ETF TR Common 45409B107 658 22,789 SH   SOLE   22,789 0 0
WISDOMTREE TR Common 97717W125 5,757 148,523 SH   SOLE   148,523 0 0
VANGUARD BD INDEX FD INC Common 921937819 1,821 22,399 SH   SOLE   22,399 0 0
ETFS GOLD TR Common 00326A104 841 6,799 SH   SOLE   6,799 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 636 8,153 SH   SOLE   8,153 0 0
VANGUARD BD INDEX FD INC Common 921937827 3,672 46,741 SH   SOLE   46,741 0 0
ISHARES TR Common 464288646 5,045 97,687 SH   SOLE   97,687 0 0
ISHARES TR Common 464288273 2,851 55,023 SH   SOLE   55,023 0 0
SPDR SERIES TRUST Common 78464A292 395 9,979 SH   SOLE   9,979 0 0
ISHARES TR Common 464288588 6,212 59,364 SH   SOLE   59,364 0 0
MARKET VECTORS ETF TR Common 92189H409 405 6,627 SH   SOLE   6,627 0 0
ISHARES TR Common 464288653 303 2,272 SH   SOLE   2,272 0 0
VANGUARD BD INDEX FD INC Common 92206C847 225 3,007 SH   SOLE   3,007 0 0
ISHARES TR Common 464288661 4,789 39,447 SH   SOLE   39,447 0 0
CAMBRIA ETF TR Common 132061888 4,165 190,198 SH   SOLE   190,198 0 0
CAMBRIA ETF TR Common 132061409 4,076 194,111 SH   SOLE   194,111 0 0
CAMBRIA ETF TR Common 132061508 21,821 897,605 SH   SOLE   897,605 0 0
CAMBRIA ETF TR Common 132061201 2,569 79,126 SH   SOLE   79,126 0 0
CAMBRIA ETF TR Common 132061300 1,324 61,551 SH   SOLE   61,551 0 0
CAMBRIA ETF TR Common 132061706 1,516 54,487 SH   SOLE   54,487 0 0
Invesco Common 46090F100 648 43,005 SH   SOLE   43,005 0 0
CAMBRIA ETF TR Common 132061805 3,335 135,388 SH   SOLE   135,388 0 0
WISDOMTREE TR Common 97717W547 553 7,440 SH   SOLE   7,440 0 0
ISHARES TR Common 464288448 226 7,878 SH   SOLE   7,878 0 0
VANGUARD BD INDEX FD INC Common 922907746 862 16,892 SH   SOLE   16,892 0 0
VANECK VECTORS TR Common 92189H300 1,969 59,653 SH   SOLE   59,653 0 0
VANGUARD INDEX FDS Common 921932505 225 1,667 SH   SOLE   1,667 0 0
VANGUARD INDEX FDS Common 921932703 302 3,096 SH   SOLE   3,096 0 0
VANGUARD BD INDEX FD INC Common 92206C771 2,006 38,958 SH   SOLE   38,958 0 0
Goldman Sachs Common 381430503 43,026 855,550 SH   SOLE   855,550 0 0
Goldman Sachs Common 381430107 21,698 855,587 SH   SOLE   855,587 0 0
Goldman Sachs Common 381430206 21,128 701,458 SH   SOLE   701,458 0 0
ISHARES TR Common 464288513 5,187 63,956 SH   SOLE   63,956 0 0
VANGUARD SCOTTSDALE FDS Common 92206C813 5,087 59,717 SH   SOLE   59,717 0 0
ISHARES TR Common 464286517 7,143 165,815 SH   SOLE   165,815 0 0
VANGUARD INTL EQUITY INDEX F Common 922042718 665 7,028 SH   SOLE   7,028 0 0
SPDR SERIES TRUST Common 78464A607 219 2,548 SH   SOLE   2,548 0 0
ISHARES TR Common 464289511 621 11,025 SH   SOLE   11,025 0 0
Vanguard Common 922908595 621 4,123 SH   SOLE   4,123 0 0
Vanguard Common 922908538 1,753 14,648 SH   SOLE   14,648 0 0
iShares Common 46432F834 326 6,197 SH   SOLE   6,197 0 0
Goldman Sachs Common 381430529 5,200 51,976 SH   SOLE   51,976 0 0
iShares Common 46429B655 7,729 153,474 SH   SOLE   153,474 0 0
SPDR State Street Global Advisors Common 81369Y860 431 13,896 SH   SOLE   13,896 0 0
iShares Common 46431W507 114,765 2,302,205 SH   SOLE   2,302,205 0 0
SPDR State Street Global Advisors Common 78464A300 1,567 29,116 SH   SOLE   29,116 0 0
Vanguard Common 921932869 271 2,302 SH   SOLE   2,302 0 0
iShares Common 464288570 39,899 429,024 SH   SOLE   429,024 0 0
iShares Common 464288802 6,030 58,460 SH   SOLE   58,460 0 0
SPDR State Street Global Advisors Common 78464A508 6,007 221,156 SH   SOLE   221,156 0 0
iShares Common 464286285 2,575 58,044 SH   SOLE   58,044 0 0
iShares Common 46434G863 6,732 219,499 SH   SOLE   219,499 0 0
Goldman Sachs Common 381430602 3,508 90,238 SH   SOLE   90,238 0 0
Goldman Sachs Common 381430479 3,434 72,636 SH   SOLE   72,636 0 0
Goldman Sachs Common 381430453 1,655 35,985 SH   SOLE   35,985 0 0
XTRACKERS Common 233051432 321 6,855 SH   SOLE   6,855 0 0