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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
OMB APPROVAL
OMB Number: 3235-0006
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   557,964 5,118 SH   SOLE   557,964 0 0
ABBVIE INC COM 00287Y109   256,661 1,905 SH   SOLE   256,661 0 0
ALBEMARLE CORP COM 012653101   6,869,834 30,794 SH   SOLE   6,869,834 0 0
ALPHABET INC CAP STK CL C 02079K107   4,855,736 40,140 SH   SOLE   4,855,736 0 0
AMAZON COM INC COM 023135106   2,890,994 22,177 SH   SOLE   2,890,994 0 0
AMGEN INC COM 031162100   4,194,846 18,894 SH   SOLE   4,194,846 0 0
APPLE INC COM 037833100   8,010,767 41,299 SH   SOLE   8,010,767 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,272,629 10,340 SH   SOLE   2,272,629 0 0
BANK AMERICA CORP COM 060505104   657,144 22,905 SH   SOLE   657,144 0 0
BARRICK GOLD CORP COM 067901108   401,309 23,704 SH   SOLE   401,309 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   16,279,340 47,740 SH   SOLE   16,279,340 0 0
BHP GROUP LTD SPONSORED ADS 088606108   8,115,180 136,001 SH   SOLE   8,115,180 0 0
BLACKROCK INC COM 09247X101   2,988,489 4,324 SH   SOLE   2,988,489 0 0
BOEING CO COM 097023105   2,535,609 12,008 SH   SOLE   2,535,609 0 0
BOOKING HOLDINGS INC COM 09857L108   1,722,811 638 SH   SOLE   1,722,811 0 0
CANADIAN NAT RES LTD COM 136385101   3,311,351 58,858 SH   SOLE   3,311,351 0 0
CATERPILLAR INC COM 149123101   296,490 1,205 SH   SOLE   296,490 0 0
CHENIERE ENERGY INC COM NEW 16411R208   8,957,397 58,791 SH   SOLE   8,957,397 0 0
CHEVRON CORP NEW COM 166764100   3,653,982 23,222 SH   SOLE   3,653,982 0 0
CISCO SYS INC COM 17275R102   2,025,207 39,142 SH   SOLE   2,025,207 0 0
COMCAST CORP NEW CL A 20030N101   258,316 6,217 SH   SOLE   258,316 0 0
CONOCOPHILLIPS COM 20825C104   4,608,158 44,476 SH   SOLE   4,608,158 0 0
COSTCO WHSL CORP NEW COM 22160K105   5,233,592 9,721 SH   SOLE   5,233,592 0 0
CREDIT ACCEP CORP MICH COM 225310101   351,996 693 SH   SOLE   351,996 0 0
DANAHER CORPORATION COM 235851102   879,600 3,665 SH   SOLE   879,600 0 0
DEERE & CO COM 244199105   264,994 654 SH   SOLE   264,994 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   325,555 7,018 SH   SOLE   325,555 0 0
DISNEY WALT CO COM 254687106   1,933,983 21,662 SH   SOLE   1,933,983 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   342,986 3,822 SH   SOLE   342,986 0 0
ENBRIDGE INC COM 29250N105   9,560,292 257,343 SH   SOLE   9,560,292 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506   1,136 14 SH   SOLE   1,136 0 0
EOG RES INC COM 26875P101   452,954 3,958 SH   SOLE   452,954 0 0
EXXON MOBIL CORP COM 30231G102   1,071,213 9,988 SH   SOLE   1,071,213 0 0
FRANCO NEV CORP COM 351858105   458,459 3,215 SH   SOLE   458,459 0 0
FREEPORT-MCMORAN INC CL B 35671D857   5,525,040 138,126 SH   SOLE   5,525,040 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   219,327 680 SH   SOLE   219,327 0 0
HESS CORP COM 42809H107   583,633 4,293 SH   SOLE   583,633 0 0
HOME DEPOT INC COM 437076102   3,918,102 12,613 SH   SOLE   3,918,102 0 0
HONEYWELL INTL INC COM 438516106   2,226,060 10,728 SH   SOLE   2,226,060 0 0
INTEL CORP COM 458140100   2,227,204 66,603 SH   SOLE   2,227,204 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   16,046 36 SH   SOLE   16,046 0 0
ISHARES GOLD ETF ETF 464285204   43,122 1,185 SH   SOLE   43,122 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103   12,183,443 635,216 SH   SOLE   12,183,443 0 0
ISHARES GOLD TR ISHARES NEW 464285204   6,059,117 166,505 SH   SOLE   6,059,117 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   4,129,256 102,046 SH   SOLE   4,129,256 0 0
ISHARES INC CORE MSCI EMKT 46434G103   611,944 12,415 SH   SOLE   0 611,944 0
ISHARES INC CORE MSCI EMKT 46434G103   335,221 6,801 SH   SOLE   335,221 0 0
ISHARES MSCI GLL MET MIN PROD ETF ETF 46434G848   66,193 1,636 SH   SOLE   66,193 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   17,460,401 178,899 SH   SOLE   17,460,401 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   352,362 3,496 SH   SOLE   352,362 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   3,370,333 13,244 SH   SOLE   3,370,333 0 0
ISHARES TR CORE S&P US GWT 464287671   2,692,325 27,574 SH   SOLE   2,692,325 0 0
ISHARES TR CORE S&P US VLU 464287663   2,790,595 35,658 SH   SOLE   2,790,595 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,518,730 20,948 SH   SOLE   1,518,730 0 0
ISHARES TR TIPS BD ETF 464287176   4,545,331 42,235 SH   SOLE   4,545,331 0 0
JOHNSON & JOHNSON COM 478160104   5,658,963 34,189 SH   SOLE   5,658,963 0 0
JPMORGAN CHASE & CO COM 46625H100   4,749,343 32,655 SH   SOLE   4,749,343 0 0
KINROSS GOLD CORP COM 496902404   61,924 12,982 SH   SOLE   61,924 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,788,659 9,633 SH   SOLE   3,788,659 0 0
MCDONALDS CORP COM 580135101   1,091,285 3,657 SH   SOLE   1,091,285 0 0
MEDTRONIC PLC SHS G5960L103   2,053,082 23,304 SH   SOLE   2,053,082 0 0
MERCK & CO INC COM 58933Y105   389,903 3,379 SH   SOLE   389,903 0 0
MICROSOFT CORP COM 594918104   6,540,071 19,205 SH   SOLE   6,540,071 0 0
NEWMONT CORP COM 651639106   415,167 9,732 SH   SOLE   415,167 0 0
OCCIDENTAL PETE CORP COM 674599105   433,826 7,378 SH   SOLE   433,826 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   4,184,462 272,959 SH   SOLE   4,184,462 0 0
PAYPAL HLDGS INC COM 70450Y103   885,173 13,265 SH   SOLE   885,173 0 0
PEPSICO INC COM 713448108   293,944 1,587 SH   SOLE   293,944 0 0
PFIZER INC COM 717081103   3,179,753 86,689 SH   SOLE   3,179,753 0 0
PHILIP MORRIS INTL INC COM 718172109   303,208 3,106 SH   SOLE   303,208 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   1,787,451 29,771 SH   SOLE   1,787,451 0 0
PIONEER NAT RES CO COM 723787107   429,899 2,075 SH   SOLE   429,899 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109   4,150,666 56,128 SH   SOLE   4,150,666 0 0
PROCTER AND GAMBLE CO COM 742718109   1,082,817 7,136 SH   SOLE   1,082,817 0 0
RIO TINTO PLC SPONSORED ADR 767204100   7,512,181 117,672 SH   SOLE   7,512,181 0 0
SCHLUMBERGER LTD COM STK 806857108   618,421 12,590 SH   SOLE   618,421 0 0
SCHWAB CHARLES CORP COM 808513105   738,087 13,022 SH   SOLE   738,087 0 0
SCHWAB INTERMEDIATE TERM US TRS ETF ETF 808524854   66,824 1,356 SH   SOLE   66,824 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524862   46,116,835 879,857 SH   SOLE   46,116,835 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,742,739 161,106 SH   SOLE   7,742,739 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   19,658,692 398,912 SH   SOLE   19,658,692 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   946,851 38,443 SH   SOLE   946,851 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   777,433 15,037 SH   SOLE   0 777,433 0
SCHWAB US TIPS ETF ETF 808524862   95,580 1,823 SH   SOLE   95,580 0 0
SELECT SECTOR HEALTH CARE SPDR ETF ETF 81369Y209   265 2 SH   SOLE   265 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   963,001 11,864 SH   SOLE   963,001 0 0
SELECT SECTOR UTI SELECT SPDR ETF ETF 81369Y886   131 2 SH   SOLE   131 0 0
SEMPRA COM 816851109   604,635 4,153 SH   SOLE   604,635 0 0
SOUTHERN COPPER CORP COM 84265V105   8,384,541 116,874 SH   SOLE   8,384,541 0 0
SPDR FUND CONSUMER STAPLES ETF ETF 81369Y308   2,967 40 SH   SOLE   2,967 0 0
SPDR GOLD MINISHARES ETV ETF 98149E303   49,631 1,303 SH   SOLE   49,631 0 0
SPDR GOLD TR GOLD SHS 78463V107   543,724 3,050 SH   SOLE   0 543,724 0
SPDR GOLD TR GOLD SHS 78463V107   890,459 4,995 SH   SOLE   890,459 0 0
SPDR SER TR S&P METALS MNG 78464A755   1,365,889 26,877 SH   SOLE   1,365,889 0 0
SUNCOR ENERGY INC NEW COM 867224107   622,288 21,224 SH   SOLE   622,288 0 0
TC ENERGY CORP COM 87807B107   9,565,532 236,712 SH   SOLE   9,565,532 0 0
TJX COS INC NEW COM 872540109   281,164 3,316 SH   SOLE   281,164 0 0
UNION PAC CORP COM 907818108   238,792 1,167 SH   SOLE   238,792 0 0
UNITED PARCEL SERVICE INC CL B 911312106   3,045,278 16,989 SH   SOLE   3,045,278 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,661,996 7,619 SH   SOLE   3,661,996 0 0
US BANCORP DEL COM NEW 902973304   387,460 11,727 SH   SOLE   387,460 0 0
VALE S A SPONSORED ADS 91912E105   4,723,800 351,997 SH   SOLE   4,723,800 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 922908737   493,082 5,366 SH   SOLE   493,082 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   27,417 141 SH   SOLE   27,417 0 0
VANGUARD ENERGY ETF ETF 92204A306   102,278 906 SH   SOLE   102,278 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   14,934 61 SH   SOLE   14,934 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   332,182 1,508 SH   SOLE   0 332,182 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,117,202 136,722 SH   SOLE   30,117,202 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,110,047 5,042 SH   SOLE   1,110,047 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   439,964 2,660 SH   SOLE   439,964 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   835,703 2,052 SH   SOLE   835,703 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,739,397 190,242 SH   SOLE   11,739,397 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   209,975 3,012 SH   SOLE   0 209,975 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   16,865,364 241,932 SH   SOLE   16,865,364 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,730,768 460,442 SH   SOLE   18,730,768 0 0
VANGUARD LONG TERM TREASURY ETF IV ETF 92206C409   9,212 145 SH   SOLE   9,212 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C409   3,459,499 54,455 SH   SOLE   3,459,499 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   15,428,842 275,122 SH   SOLE   15,428,842 0 0
VANGUARD TOTAL INTERNTL STOCK ETF IV ETF 921909768   57,818 1,031 SH   SOLE   57,818 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   163,448 742 SH   SOLE   163,448 0 0
VANGUARD UTILITIES ETF ETF 92204A876   29,714 209 SH   SOLE   29,714 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   450,448 2,879 SH   SOLE   450,448 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,792,885 26,670 SH   SOLE   3,792,885 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,790,614 7,314 SH   SOLE   1,790,614 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   8,692,417 76,999 SH   SOLE   8,692,417 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,013,088 20,663 SH   SOLE   4,013,088 0 0
VERISIGN INC COM 92343E102   637,461 2,821 SH   SOLE   637,461 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,170,448 85,250 SH   SOLE   3,170,448 0 0
VISA INC COM CL A 92826C839   4,179,648 17,600 SH   SOLE   4,179,648 0 0
WALMART INC COM 931142103   6,604,861 42,021 SH   SOLE   6,604,861 0 0
WILLIAMS COS INC COM 969457100   9,231,419 282,912 SH   SOLE   9,231,419 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   309,007 13,325 SH   SOLE   309,007 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   53,033,316 1,392,316 SH   SOLE   53,033,316 0 0