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
Expires: July 31, 2015
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
Vanguard S&P 500 ETF Equity ETF 922908363 15,097,798 27,225 SH SOLE 0 0 27,225
SPDR Gold Trust Commodity ETF 78463V107 12,306,773 43,444 SH SOLE 0 0 43,444
iShares Short Treasury Bond ETF Bond ETF 464288679 8,809,736 100,295 SH SOLE 0 0 100,295
SPDR Portfolio Short Term Corporate Bond ETF Bond ETF 78464A474 8,291,914 279,794 SH SOLE 0 0 279,794
SPDR S&P Dividend ETF Equity ETF 78464A763 6,119,351 46,537 SH SOLE 0 0 46,537
Vanguard Short-Term Corporate Bond ETF Bond ETF 92206C409 5,988,486 97,505 SH SOLE 0 0 97,505
Invesco S&P 500 Equal Weight Technology ETF Equity ETF 46137V282 5,762,986 149,694 SH SOLE 0 0 149,694
Vanguard Short-Term Treasury ETF Bond ETF 92206C102 5,668,339 96,962 SH SOLE 0 0 96,962
Vanguard FTSE Developed Markets ETF Equity ETF 921943858 5,035,271 88,807 SH SOLE 0 0 88,807
SPDR Portfolio Intermediate Term Treasury ETF Bond ETF 78464A672 4,988,317 174,337 SH SOLE 0 0 174,337
SPDR S&P 500 ETF Trust Equity ETF 78462F103 4,736,411 7,708 SH SOLE 0 0 7,708
iShares Aaa - A Rated Corporate Bond ETF Bond ETF 46429B291 4,509,702 119,284 SH SOLE 0 0 119,284
iShares MSCI Eurozone ETF Equity ETF 464286608 4,465,785 87,703 SH SOLE 0 0 87,703
Vanguard High Dividend Yield ETF Equity ETF 921946406 4,313,318 33,793 SH SOLE 0 0 33,793
SPDR Bloomberg 1-3 Month T-Bill ETF Bond ETF 78468R663 4,152,774 73,760 SH SOLE 0 0 73,760
SPDR Portfolio Intermediate Term Corporate Bond ETF Bond ETF 78464A375 4,098,961 122,735 SH SOLE 0 0 122,735
iShares Core S&P Total U.S. Stock Market ETF Equity ETF 464287150 3,934,016 35,252 SH SOLE 0 0 35,252
First Trust Global Tactical Commodity Strategy Fund Commodity ETF 33739H101 3,463,128 144,878 SH SOLE 0 0 144,878
iShares MSCI Switzerland ETF Equity ETF 464286749 3,335,214 61,151 SH SOLE 0 0 61,151
SPDR EURO STOXX 50 ETF Equity ETF 78463X202 3,333,585 65,802 SH SOLE 0 0 65,802
Alphabet Inc Ordinary Share 02079K305 2,401,708 13,703 SH SOLE 0 0 13,703
iShares MSCI All Country Asia ex Japan ETF Equity ETF 464288182 2,342,345 32,670 SH SOLE 0 0 32,670
Vanguard FTSE Emerging Markets ETF Equity ETF 922042858 2,158,467 45,060 SH SOLE 0 0 45,060
SPDR Consumers Staples Select Sector ETF Equity ETF 81369Y308 2,149,543 26,693 SH SOLE 0 0 26,693
iShares MSCI Global Gold Miners ETF Equity ETF 46434G855 2,126,775 64,065 SH SOLE 0 0 64,065
iShares Russell Mid-Cap ETF Equity ETF 464287499 2,017,060 23,192 SH SOLE 0 0 23,192
Apple Inc Ordinary Share 037833100 1,883,798 9,232 SH SOLE 0 0 9,232
iShares TIPS Bond ETF USD (D Bond ETF 464287176 1,660,436 15,180 SH SOLE 0 0 15,180
SPDR Portfolio S&P 1500 Composite Stock Market ETF Equity ETF 78464A805 1,606,939 21,575 SH SOLE 0 0 21,575
Invesco International Corporate Bond ETF Bond ETF 46138E636 1,375,913 57,215 SH SOLE 0 0 57,215
Schwab US Small Cap ETF Equity ETF 808524607 1,331,422 55,574 SH SOLE 0 0 55,574
iShares US Healthcare ETF Equity ETF 464287762 1,184,048 26,429 SH SOLE 0 0 26,429
Vanguard Global ex-US Real Est Equity ETF 922042676 885,837 19,300 SH SOLE 0 0 19,300
iShares Global Energy ETF Equity ETF 464287341 838,495 21,498 SH SOLE 0 0 21,498
iShares Core High Dividend ETF Equity ETF 46429B663 757,451 6,500 SH SOLE 0 0 6,500
Microsoft Corp Ordinary Share 594918104 744,006 1,504 SH SOLE 0 0 1,504
iShares MSCI United Kingdom ETF Equity ETF 46435G334 728,229 18,435 SH SOLE 0 0 18,435
iShares California Muni Bond USD Bond ETF 464288356 702,299 12,660 SH SOLE 0 0 12,660
First Trust California Municipal High Income ETF Bond ETF 33739P863 698,212 14,635 SH SOLE 0 0 14,635
Invesco QQQ Trust Series I Equity ETF 46090E103 666,587 1,215 SH SOLE 0 0 1,215
iShares Russell 3000 ETF Equity ETF 464287689 640,572 1,835 SH SOLE 0 0 1,835
First Trust Exchange-Traded AlphaDEX Fund II Equity ETF 33737J232 619,232 8,140 SH SOLE 0 0 8,140
iShares MSCI Japan ETF Equity ETF 46434G822 606,312 8,117 SH SOLE 0 0 8,117
iShares Global Materials ETF Equity ETF 464288695 531,515 6,248 SH SOLE 0 0 6,248
Procter & Gamble Co Ordinary Share 742718109 507,043 3,200 SH SOLE 0 0 3,200
iShares MSCI EAFE ETF Equity ETF 464287465 451,011 5,070 SH SOLE 0 0 5,070
NVIDIA Corp Ordinary Share 67066G104 434,617 2,766 SH SOLE 0 0 2,766
Berkshire Hathaway Inc Ordinary Share 084670702 424,180 878 SH SOLE 0 0 878
Invesco California AMT-Free Municipal Bond ETF Bond ETF 46138E206 380,572 16,395 SH SOLE 0 0 16,395
Booking Holdings Inc Ordinary Share 09857L108 368,490 64 SH SOLE 0 0 64
Johnson & Johnson Ordinary Share 478160104 367,639 2,420 SH SOLE 0 0 2,420
SPDR S&P Emerging Asia Pacific ETF Equity ETF 78463X301 309,242 2,460 SH SOLE 0 0 2,460
Vanguard California Tax-Exempt Bond ETF 922021605 301,911 3,110 SH SOLE 0 0 3,110
Mastercard Inc Ordinary Share 57636Q104 298,439 534 SH SOLE 0 0 534
Coca-Cola Co Ordinary Share 191216100 294,614 4,187 SH SOLE 0 0 4,187
Alphabet Inc Ordinary Share 02079K107 293,214 1,662 SH SOLE 0 0 1,662
SPDR MSCI Emerging Markets StrategicFactors ETF Equity ETF 78463X426 280,220 4,470 SH SOLE 0 0 4,470
Mondelez International Inc Ordinary Share 609207105 253,197 3,775 SH SOLE 0 0 3,775
Cisco Systems Inc Ordinary Share 17275R102 252,201 3,655 SH SOLE 0 0 3,655
iShares Fallen Angels USD Bond ETF Bond ETF 46435G474 244,566 9,090 SH SOLE 0 0 9,090
Chevron Corporation Ordinary Share 166764100 241,526 1,696 SH SOLE 0 0 1,696
Amazon.com Inc Ordinary Share 023135106 240,231 1,101 SH SOLE 0 0 1,101
Unitedhealth Group Inc Ordinary Share 91324P102 237,976 767 SH SOLE 0 0 767
Visa Inc Ordinary Share 92826C839 231,289 655 SH SOLE 0 0 655
Chubb Limited Ordinary Share H1467J104 227,342 789 SH SOLE 0 0 789
Alcon Inc. Ordinary Share H01301128 205,715 2,337 SH SOLE 0 0 2,337