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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
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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 MSCI ACWI ETF 464288257 20,387,107 129,879 SH SOLE 129,879 0 0
ISHARES GOLD TR ISHARES NEW 464285204 9,965,810 131,980 SH SOLE 131,980 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 4,497,612 49,918 SH SOLE 49,918 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,331,760 111,424 SH SOLE 111,424 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 28,404,401 41,357 SH SOLE 41,357 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 34,854,671 222,075 SH SOLE 222,075 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,351,441 22,641 SH SOLE 22,641 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 423,453 16,567 SH SOLE 16,567 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,586,842 26,135 SH SOLE 26,135 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,586,895 35,239 SH SOLE 35,239 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,420,507 17,763 SH SOLE 17,763 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,121,184 29,771 SH SOLE 29,771 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 2,143,596 42,557 SH SOLE 42,557 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 860,494 8,423 SH SOLE 8,423 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 673,438 13,531 SH SOLE 13,531 0 0
ISHARES INC CORE MSCI EMKT 46434G103 957,051 11,553 SH SOLE 11,553 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 3,029,060 30,089 SH SOLE 30,089 0 0
ISHARES INC MSCI STH KOR ETF 464286772 1,006,270 4,984 SH SOLE 4,984 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R663 252,743 2,758 SH SOLE 2,758 0 0