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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB US TIPS ETF ETF 808524862   95,158 1,775 SH   SOLE   95,158 0 0
VANGUARD LONG TERM TREASURY ETF ETF 92206C409   9,433 144 SH   SOLE   9,433 0 0
VANGUARD TOTAL INTERNATIONAL STK ETF ETF 921909768   56,977 1,032 SH   SOLE   56,977 0 0
MEDTRONIC PLC SHS G5960L103   1,902,955 23,604 SH   SOLE   1,902,955 0 0
CIMPRESS PLC SHS EURO G2143T103   709,884 16,200 SH   SOLE   709,884 0 0
WAYFAIR INC CL A 94419L101   548,101 15,961 SH   SOLE   548,101 0 0
VISA INC COM CL A 92826C839   5,692,189 25,247 SH   SOLE   5,692,189 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,334,156 85,733 SH   SOLE   3,334,156 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   3,032,344 46,301 SH   SOLE   3,032,344 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,503,105 23,773 SH   SOLE   3,503,105 0 0
VANGUARD UTILITIES ETF ETF 92204A876   15,342 104 SH   SOLE   15,342 0 0
VANGUARD UTILITIES ETF ETF 92204A876   15,047 102 SH   SOLE   15,047 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,577,825 6,618 SH   SOLE   1,577,825 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   7,154 30 SH   SOLE   7,154 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   7,392 31 SH   SOLE   7,392 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   8,765,185 76,736 SH   SOLE   8,765,185 0 0
VANGUARD ENERGY ETF ETF 92204A306   51,518 451 SH   SOLE   51,518 0 0
VANGUARD ENERGY ETF ETF 92204A306   50,375 441 SH   SOLE   50,375 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   3,614,746 18,702 SH   SOLE   3,614,746 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   15,288 79 SH   SOLE   15,288 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   12,385 64 SH   SOLE   12,385 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,684,312 7,796 SH   SOLE   3,684,312 0 0
TC ENERGY CORP COM 87807B107   7,709,195 198,129 SH   SOLE   7,709,195 0 0
SOUTHERN COPPER CORP COM 84265V105   8,836,750 115,893 SH   SOLE   8,836,750 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506   1,160 14 SH   SOLE   1,160 0 0
SPDR FUND CONSUMER STAPLES ETF ETF 81369Y308   2,690 36 SH   SOLE   2,690 0 0
SELECT SECTOR HEALTH CARE SPDR ETF ETF 81369Y209   388 3 SH   SOLE   388 0 0
SPDR SER TR S&P METALS MNG 78464A755   1,428,781 26,877 SH   SOLE   1,428,781 0 0
SPDR GOLD TR GOLD SHS 78463V107   915,184 4,995 SH   SOLE   915,184 0 0
SPDR GOLD TR GOLD SHS 78463V107   558,821 3,050 SH   OTR   0 558,821 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   1,569,275 25,449 SH   SOLE   1,569,275 0 0
PAYPAL HLDGS INC COM 70450Y103   416,987 5,491 SH   SOLE   416,987 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   2,620,556 310,125 SH   SOLE   2,620,556 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,597,780 1,882 SH   SOLE   1,597,780 0 0
MERCK & CO INC COM 58933Y105   359,492 3,379 SH   SOLE   359,492 0 0
MASTERCARD INCORPORATED CL A 57636Q104   4,189,754 11,529 SH   SOLE   4,189,754 0 0
KKR & CO INC COM 48251W104   1,597,209 30,411 SH   SOLE   1,597,209 0 0
JPMORGAN CHASE & CO COM 46625H100   4,285,505 32,887 SH   SOLE   4,285,505 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103   12,630,308 641,458 SH   SOLE   12,630,308 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   3,794,304 88,827 SH   SOLE   3,794,304 0 0
ISHARES MSCI GLL MET MIN PROD ETF ETF 46434G848   34,560 809 SH   SOLE   34,560 0 0
ISHARES MSCI GLL MET MIN PROD ETF ETF 46434G848   34,091 798 SH   SOLE   34,091 0 0
ISHARES INC CORE MSCI EMKT 46434G103   682,133 13,981 SH   SOLE   682,133 0 0
ISHARES INC CORE MSCI EMKT 46434G103   602,297 12,345 SH   OTR   0 602,297 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   15,846,094 159,698 SH   SOLE   15,846,094 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   355,403 3,496 SH   SOLE   355,403 0 0
HESS CORP COM 42809H107   568,136 4,293 SH   SOLE   568,136 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   222,435 680 SH   SOLE   222,435 0 0
FREEPORT-MCMORAN INC CL B 35671D857   5,596,935 136,816 SH   SOLE   5,596,935 0 0
EXXON MOBIL CORP COM 30231G102   576,044 5,253 SH   SOLE   576,044 0 0
ENBRIDGE INC COM 29250N105   8,131,044 213,135 SH   SOLE   8,131,044 0 0
EOG RES INC COM 26875P101   453,706 3,958 SH   SOLE   453,706 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   409,805 4,248 SH   SOLE   409,805 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   315,926 7,099 SH   SOLE   315,926 0 0
COSTAR GROUP INC COM 22160N109   980,286 14,238 SH   SOLE   980,286 0 0
COSTCO WHSL CORP NEW COM 22160K105   5,541,094 11,152 SH   SOLE   5,541,094 0 0
CONOCOPHILLIPS COM 20825C104   4,412,464 44,476 SH   SOLE   4,412,464 0 0
CISCO SYS INC COM 17275R102   2,046,148 39,142 SH   SOLE   2,046,148 0 0
CHENIERE ENERGY INC COM NEW 16411R208   6,120,770 38,838 SH   SOLE   6,120,770 0 0
BOOKING HOLDINGS INC COM 09857L108   1,692,238 638 SH   SOLE   1,692,238 0 0
BLACKROCK INC COM 09247X101   2,893,275 4,324 SH   SOLE   2,893,275 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   1,074,060 34,000 SH   SOLE   1,074,060 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,625,769 12,850 SH   SOLE   2,625,769 0 0
ALPHABET INC CAP STK CL C 02079K107   4,174,560 40,140 SH   SOLE   4,174,560 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   969,976 2,517 SH   SOLE   969,976 0 0
ABBVIE INC COM 00287Y109   303,600 1,905 SH   SOLE   303,600 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   53,757,591 1,374,495 SH   SOLE   53,757,591 0 0
SPDR GOLD MINISHARES ETV ETF 98149E303   1,721 44 SH   SOLE   1,721 0 0
SPDR GOLD MINISHARES ETV ETF 98149E303   47,088 1,204 SH   SOLE   47,088 0 0
VALE S A SPONSORED ADS 91912E105   3,016,995 191,184 SH   SOLE   3,016,995 0 0
VERISIGN INC COM 92343E102   645,613 3,055 SH   SOLE   645,613 0 0
YELP INC CL A 985817105   326,464 10,634 SH   SOLE   326,464 0 0
WORLD ACCEP CORPORATION COM 981419104   711,713 8,545 SH   SOLE   711,713 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   298,880 13,325 SH   SOLE   298,880 0 0
WILLIAMS COS INC COM 969457100   8,048,576 269,558 SH   SOLE   8,048,576 0 0
WHEATON PRECIOUS METALS CORP COM 962879102   208,148 4,322 SH   SOLE   208,148 0 0
WALMART INC COM 931142103   6,195,997 42,021 SH   SOLE   6,195,997 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,654,939 125,723 SH   SOLE   25,654,939 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   281,250 1,378 SH   OTR   0 281,250 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   86,334 423 SH   SOLE   86,334 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   71,231 349 SH   SOLE   71,231 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 922908737   476,447 5,366 SH   SOLE   476,447 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,063,459 5,042 SH   SOLE   1,063,459 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   422,302 2,660 SH   SOLE   422,302 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   771,663 2,052 SH   SOLE   771,663 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,671,596 191,497 SH   SOLE   11,671,596 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   11,074,152 163,286 SH   SOLE   11,074,152 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,648,160 461,588 SH   SOLE   18,648,160 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   412,100 2,879 SH   SOLE   412,100 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   14,383,538 260,523 SH   SOLE   14,383,538 0 0
UNITED PARCEL SERVICE INC CL B 911312106   3,295,696 16,989 SH   SOLE   3,295,696 0 0
UNION PAC CORP COM 907818108   234,870 1,167 SH   SOLE   234,870 0 0
US BANCORP DEL COM NEW 902973304   422,758 11,727 SH   SOLE   422,758 0 0
TJX COS INC NEW COM 872540109   259,842 3,316 SH   SOLE   259,842 0 0
SUNCOR ENERGY INC NEW COM 867224107   659,005 21,224 SH   SOLE   659,005 0 0
SEMPRA COM 816851109   627,768 4,153 SH   SOLE   627,768 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   47,913,293 893,645 SH   SOLE   47,913,293 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,704,795 157,922 SH   SOLE   7,704,795 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   19,531,881 387,333 SH   SOLE   19,531,881 0 0
SCHWAB INTERMEDIATE TERM US TRS ETF ETF 808524854   66,618 1,321 SH   SOLE   66,618 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   942,622 38,443 SH   SOLE   942,622 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   912,738 19,075 SH   OTR   0 912,738 0
SCHWAB CHARLES CORP COM 808513105   629,084 12,010 SH   SOLE   629,084 0 0
ROPER TECHNOLOGIES INC COM 776696106   1,463,532 3,321 SH   SOLE   1,463,532 0 0
RIO TINTO PLC SPONSORED ADR 767204100   6,853,267 99,903 SH   SOLE   6,853,267 0 0
PROCTER AND GAMBLE CO COM 742718109   1,061,052 7,136 SH   SOLE   1,061,052 0 0
PIONEER NAT RES CO COM 723787107   423,798 2,075 SH   SOLE   423,798 0 0
PHILIP MORRIS INTL INC COM 718172109   302,059 3,106 SH   SOLE   302,059 0 0
PFIZER INC COM 717081103   3,648,418 89,422 SH   SOLE   3,648,418 0 0
PEPSICO INC COM 713448108   289,310 1,587 SH   SOLE   289,310 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109   9,027,225 129,534 SH   SOLE   9,027,225 0 0
OCCIDENTAL PETE CORP COM 674599105   460,609 7,378 SH   SOLE   460,609 0 0
NEWMONT CORP COM 651639106   406,719 8,297 SH   SOLE   406,719 0 0
MOODYS CORP COM 615369105   3,309,912 10,816 SH   SOLE   3,309,912 0 0
MICROSOFT CORP COM 594918104   5,575,434 19,339 SH   SOLE   5,575,434 0 0
MCDONALDS CORP COM 580135101   1,022,534 3,657 SH   SOLE   1,022,534 0 0
JOHNSON & JOHNSON COM 478160104   5,482,195 35,369 SH   SOLE   5,482,195 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   3,117,770 13,244 SH   SOLE   3,117,770 0 0
ISHARES TR CORE S&P US GWT 464287671   2,655,732 29,917 SH   SOLE   2,655,732 0 0
ISHARES TR CORE S&P US VLU 464287663   2,802,238 37,981 SH   SOLE   2,802,238 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,498,201 20,948 SH   SOLE   1,498,201 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   14,799 36 SH   SOLE   14,799 0 0
ISHARES TR TIPS BD ETF 464287176   854,107 7,747 SH   SOLE   854,107 0 0
ISHARES GOLD TR ISHARES NEW 464285204   6,222,292 166,505 SH   SOLE   6,222,292 0 0
ISHARES GOLD ETF ETF 464285204   45,031 1,205 SH   SOLE   45,031 0 0
INTEL CORP COM 458140100   2,210,616 67,665 SH   SOLE   2,210,616 0 0
HONEYWELL INTL INC COM 438516106   2,073,461 10,849 SH   SOLE   2,073,461 0 0
HOME DEPOT INC COM 437076102   3,760,714 12,743 SH   SOLE   3,760,714 0 0
FRANCO NEV CORP COM 351858105   468,747 3,215 SH   SOLE   468,747 0 0
DISNEY WALT CO COM 254687106   2,192,246 21,894 SH   SOLE   2,192,246 0 0
DANAHER CORPORATION COM 235851102   917,930 3,642 SH   SOLE   917,930 0 0
CREDIT ACCEP CORP MICH COM 225310101   3,171,755 7,274 SH   SOLE   3,171,755 0 0
CHEVRON CORP NEW COM 166764100   767,994 4,707 SH   SOLE   767,994 0 0
CATERPILLAR INC COM 149123101   275,752 1,205 SH   SOLE   275,752 0 0
CARMAX INC COM 143130102   745,969 11,605 SH   SOLE   745,969 0 0
CANADIAN NAT RES LTD COM 136385101   3,257,790 58,858 SH   SOLE   3,257,790 0 0
BROOKFIELD CORP CL A LTD VT SH 112585104   1,365,505 41,838 SH   SOLE   1,365,505 0 0
BOEING CO COM 097023105   2,550,859 12,008 SH   SOLE   2,550,859 0 0
BHP GROUP LTD SPONSORED ADS 088606108   7,908,020 124,714 SH   SOLE   7,908,020 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   14,743,768 47,750 SH   SOLE   14,743,768 0 0
BARRICK GOLD CORP COM 067901108   374,186 20,150 SH   SOLE   374,186 0 0
BANK AMERICA CORP COM 060505104   655,083 22,905 SH   SOLE   655,083 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,301,994 10,340 SH   SOLE   2,301,994 0 0
APPLE INC COM 037833100   6,835,600 41,453 SH   SOLE   6,835,600 0 0
AMGEN INC COM 031162100   4,600,503 19,030 SH   SOLE   4,600,503 0 0
AMAZON COM INC COM 023135106   2,315,452 22,417 SH   SOLE   2,315,452 0 0
ALBEMARLE CORP COM 012653101   6,216,812 28,125 SH   SOLE   6,216,812 0 0
ABBOTT LABS COM 002824100   518,249 5,118 SH   SOLE   518,249 0 0