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
AGNICO EAGLE MINES L COM 008474108 4,253 60,312 SH   SOLE   4,253 0 0
ALARM COM HLDGS INC COM 011642105 342 3,302 SH   SOLE   342 0 0
ALBEMARLE CORP COM 012653101 4,554 30,870 SH   SOLE   4,554 0 0
AMAZON COM INC COM 023135106 8,742 2,684 SH   SOLE   8,742 0 0
AMGEN INC COM 031162100 4,612 20,058 SH   SOLE   4,612 0 0
ANGLOGOLD ASHANTI LI SPONSORED ADR 035128206 288 12,741 SH   SOLE   288 0 0
APPLE INC COM 037833100 5,503 41,476 SH   SOLE   5,503 0 0
AUTOMATIC DATA PROCE COM 053015103 2,287 12,977 SH   SOLE   2,287 0 0
BK OF AMERICA CORP COM 060505104 357 11,768 SH   SOLE   357 0 0
BARRICK GOLD CORP COM 067901108 5,288 232,137 SH   SOLE   5,288 0 0
BERKSHIRE HATHAWAY I CL B NEW 084670702 11,939 51,489 SH   SOLE   11,939 0 0
BHP GROUP LTD SPONSORED ADS 088606108 12,672 193,944 SH   SOLE   12,672 0 0
BOEING CO COM 097023105 1,306 6,101 SH   SOLE   1,306 0 0
BROOKFIELD ASSET MGM CL A LTD VT SH 112585104 904 21,916 SH   SOLE   904 0 0
CARMAX INC COM 143130102 1,520 16,091 SH   SOLE   1,520 0 0
CATERPILLAR INC DEL COM 149123101 221 1,214 SH   SOLE   221 0 0
CHEVRON CORP NEW COM 166764100 1,453 17,210 SH   SOLE   1,453 0 0
CREDIT ACCEP CORP MI COM 225310101 2,538 7,331 SH   SOLE   2,538 0 0
DANAHER CORPORATION COM 235851102 621 2,797 SH   SOLE   621 0 0
DISNEY WALT CO COM DISNEY 254687106 3,997 22,062 SH   SOLE   3,997 0 0
DOLLAR TREE INC COM 256746108 817 7,559 SH   SOLE   817 0 0
FASTENAL CO COM 311900104 248 5,077 SH   SOLE   248 0 0
FRANCO NEV CORP COM 351858105 6,193 49,415 SH   SOLE   6,193 0 0
HOME DEPOT INC COM 437076102 2,014 7,583 SH   SOLE   2,014 0 0
HONEYWELL INTL INC COM 438516106 545 2,561 SH   SOLE   545 0 0
INTEL CORP COM 458140100 2,545 51,076 SH   SOLE   2,545 0 0
ISHARES GOLD TRUST ISHARES 464285105 47,067 2,596,085 SH   SOLE   47,067 0 0
ISHARES CORE S&P 500 ETF ISHARES 464287200 44 117 SH   SOLE   44 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,528 20,948 SH   SOLE   1,528 0 0
ISHARES TR CORE S&P US VLU 464287663 2,243 36,063 SH   SOLE   2,243 0 0
ISHARES TR CORE S&P US GWT 464287671 3,119 35,172 SH   SOLE   3,119 0 0
JOHNSON & JOHNSON COM 478160104 6,853 43,544 SH   SOLE   6,853 0 0
KINROSS GOLD CORP COM 496902404 515 70,179 SH   SOLE   515 0 0
LIVE NATION ENTERTAI COM 538034109 654 8,905 SH   SOLE   654 0 0
MARKEL CORP COM 570535104 811 785 SH   SOLE   811 0 0
MICROSOFT CORP COM 594918104 6,814 30,634 SH   SOLE   6,814 0 0
MOODYS CORP COM 615369105 2,756 9,497 SH   SOLE   2,756 0 0
NEWMONT CORP COM 651639106 5,281 88,183 SH   SOLE   5,281 0 0
OCCIDENTAL PETE CORP COM 674599105 179 10,323 SH   SOLE   179 0 0
POSCO SPONSORED ADR 693483109 15,396 247,087 SH   SOLE   15,396 0 0
PEPSICO INC COM 713448108 237 1,598 SH   SOLE   237 0 0
PFIZER INC COM 717081103 5,461 148,343 SH   SOLE   5,461 0 0
PHILIP MORRIS INTL I COM 718172109 230 2,777 SH   SOLE   230 0 0
PIONEER NAT RES CO COM 723787107 259 2,276 SH   SOLE   259 0 0
PROCTER AND GAMBLE C COM 742718109 1,436 10,320 SH   SOLE   1,436 0 0
RIO TINTO PLC SPONSORED ADR 767204100 12,814 170,357 SH   SOLE   12,814 0 0
ROPER TECHNOLOGIES I COM 776696106 1,364 3,163 SH   SOLE   1,364 0 0
ROYAL GOLD INC COM 780287108 5,020 47,199 SH   SOLE   5,020 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 840 9,235 SH   OTR   0 840 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,727 56,351 SH   SOLE   1,727 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 12 198 SH   SOLE   12 0 0
SEMPRA ENERGY COM 816851109 818 6,421 SH   SOLE   818 0 0
SUNCOR ENERGY INC NE COM 867224107 1,439 85,752 SH   SOLE   1,439 0 0
SYSTEMAX INC COM 871851101 231 6,427 SH   SOLE   231 0 0
UNION PAC CORP COM 907818108 243 1,167 SH   SOLE   243 0 0
UNITED PARCEL SERVIC CL B 911312106 2,861 16,989 SH   SOLE   2,861 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 334 7,079 SH   SOLE   334 0 0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 49,483 987,495 SH   SOLE   49,483 0 0
VAPOTHERM INC COM 922107107 253 9,405 SH   SOLE   253 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 855 4,393 SH   OTR   213 642 0
WALMART INC COM 931142103 8,076 56,025 SH   SOLE   8,076 0 0
WHEATON PRECIOUS MET COM 962879102 5,830 139,678 SH   SOLE   5,830 0 0
WILLIAMS COS INC COM 969457100 5,735 286,035 SH   SOLE   5,735 0 0
WORLD ACCEP CORP DEL COM 981419104 769 7,520 SH   SOLE   769 0 0
YELP INC CL A 985817105 625 19,121 SH   SOLE   625 0 0
VERISIGN INC COM 92343E102 6,245 28,860 SH   SOLE   6,245 0 0
VALE S A SPONSORED ADS 91912E105 368 21,930 SH   SOLE   368 0 0
MEDTRONIC PLC SHS G5960L103 3,824 32,647 SH   SOLE   3,824 0 0
CIMPRESS PLC SHS EURO G2143T103 1,287 14,663 SH   SOLE   1,287 0 0
ABERDEEN STD GOLD ET PHYSCL GOLD SHS 00326A104 184 10,083 SH   SOLE   184 0 0
ADOBE SYSTEMS INCORP COM 00724F101 964 1,927 SH   SOLE   964 0 0
ALPHABET INC CAP STK CL C 02079K107 2,829 1,615 SH   SOLE   2,829 0 0
AMERICAN TOWER CORP COM 03027X100 2,691 11,990 SH   SOLE   2,691 0 0
ANSYS INC COM 03662Q105 378 1,038 SH   SOLE   378 0 0
BLACKROCK INC COM 09247X101 2,492 3,454 SH   SOLE   2,492 0 0
BOOKING HOLDINGS INC COM 09857L108 345 155 SH   SOLE   345 0 0
CBOE GLOBAL MARKETS COM 12503M108 1,390 14,924 SH   SOLE   1,390 0 0
CME GROUP INC COM 12572Q105 2,338 12,843 SH   SOLE   2,338 0 0
CISCO SYS INC COM 17275R102 301 6,734 SH   SOLE   301 0 0
COLONY CAP INC NEW CL A COM 19626G108 85 17,668 SH   SOLE   85 0 0
CONOCOPHILLIPS COM 20825C104 2,020 50,523 SH   SOLE   2,020 0 0
COSTCO WHSL CORP NEW COM 22160K105 7,383 19,596 SH   SOLE   7,383 0 0
COSTAR GROUP INC COM 22160N109 1,487 1,609 SH   SOLE   1,487 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 925 10,100 SH   SOLE   925 0 0
EOG RES INC COM 26875P101 216 4,335 SH   SOLE   216 0 0
ENBRIDGE INC COM 29250N105 5,503 172,035 SH   SOLE   5,503 0 0
EXXON MOBIL CORP COM 30231G102 1,400 33,961 SH   SOLE   1,400 0 0
FACEBOOK INC CL A 30303M102 297 1,087 SH   SOLE   297 0 0
FREEPORT-MCMORAN INC CL B 35671D857 258 9,923 SH   SOLE   258 0 0
HESS CORP COM 42809H107 227 4,303 SH   SOLE   227 0 0
INTUITIVE SURGICAL I COM NEW 46120E602 211 258 SH   SOLE   211 0 0
ISHARES TR CORE MSCI EAFE 46432F842 12 173 SH   SOLE   12 0 0
ISHARES INC CORE MSCI EMKT 46434G103 46,893 755,864 SH   OTR   45,918 975 0
ISHARES INC MSCI GBL ETF NEW 46434G848 364 9,891 SH   SOLE   364 0 0
JPMORGAN CHASE & CO COM 46625H100 3,182 25,042 SH   SOLE   3,182 0 0
KKR & CO INC COM 48251W104 984 24,308 SH   SOLE   984 0 0
MASTERCARD INCORPORA CL A 57636Q104 3,536 9,907 SH   SOLE   3,536 0 0
MERCK & CO. INC COM 58933Y105 425 5,199 SH   SOLE   425 0 0
OREILLY AUTOMOTIVE I COM 67103H107 1,403 3,101 SH   SOLE   1,403 0 0
SBA COMMUNICATIONS C CL A 78410G104 1,185 4,201 SH   SOLE   1,185 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 68 183 SH   SOLE   68 0 0
SPDR GOLD TR GOLD SHS 78463V107 876 4,912 SH   OTR   332 544 0
SPDR SER TR S&P METALS MNG 78464A755 985 29,451 SH   SOLE   985 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 517 9,858 SH   SOLE   517 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 212 1,863 SH   SOLE   212 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4 64 SH   SOLE   4 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 210 1,308 SH   SOLE   210 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 7 194 SH   SOLE   7 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 226 1,737 SH   SOLE   226 0 0
SOUTHERN COPPER CORP COM 84265V105 15,505 238,099 SH   SOLE   15,505 0 0
TC ENERGY CORP COM 87807B107 5,486 134,725 SH   SOLE   5,486 0 0
3M CO COM 88579Y101 428 2,448 SH   SOLE   428 0 0
UNITEDHEALTH GROUP I COM 91324P102 6,877 19,611 SH   SOLE   6,877 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 191 5,298 SH   SOLE   191 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1 3 SH   SOLE   1 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,300 25,057 SH   SOLE   1,300 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 5 34 SH   SOLE   5 0 0
VANGUARD SCOTTSDALE INTER TERM TREAS 92206C706 210 3,020 SH   OTR   0 210 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 261 2,723 SH   SOLE   261 0 0
VERIZON COMMUNICATIO COM 92343V104 7,251 123,420 SH   SOLE   7,251 0 0
VERISK ANALYTICS INC COM 92345Y106 852 4,103 SH   SOLE   852 0 0
VISA INC COM CL A 92826C839 1,908 8,725 SH   SOLE   1,908 0 0
WAYFAIR INC CL A 94419L101 3,391 15,017 SH   SOLE   3,391 0 0