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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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
SELECT SECTOR UTI SELECTSPDR ETF ETF 81369Y886 1 8 SH   SOLE   1 0 0
SCHWAB US TIPS ETF ETF 808524870 2 32 SH   SOLE   2 0 0
SELECT SECTOR HEALTH CARE SPD ETF IV ETF 81369Y209 6 45 SH   SOLE   6 0 0
VANGUARD SHORT TERM TREASURY ETF ETF 92206C102 4 61 SH   SOLE   4 0 0
ISHARES CORE S&P 500 ETF IV ISHARES 464287200 35 82 SH   SOLE   35 0 0
SPDR FUND CONSUMER STAPLES ETF IV ETF 81369Y308 6 82 SH   SOLE   6 0 0
ENERGY SELECT SECTOR SPDR ETF IV ETF 81369Y506 8 141 SH   SOLE   8 0 0
BOOKING HOLDINGS INC COM 09857L108 339 155 SH   SOLE   339 0 0
ISHARES CORE MSCI EAFE ETF IV ISHARES 46432F842 13 173 SH   SOLE   13 0 0
VANGUARD HEALTH CARE ETF IV ETF 92204A504 47 191 SH   SOLE   47 0 0
VANGUARD CONSUMER STAPLES ETF IV ETF 92204A207 47 256 SH   SOLE   47 0 0
INTUITIVE SURGICAL I COM NEW 46120E602 237 258 SH   SOLE   237 0 0
VANGUARD UTILITIES ETF IV ETF 92204A876 51 368 SH   SOLE   51 0 0
SPROTT GOLD MINERS ETF ETF 85210B102 14 497 SH   SOLE   14 0 0
GOLDMAN SACHS GROUP COM 38141G104 258 680 SH   SOLE   258 0 0
ANSYS INC COM 03662Q105 371 1,070 SH   SOLE   371 0 0
FACEBOOK INC CL A 30303M102 372 1,070 SH   SOLE   372 0 0
UNION PAC CORP COM 907818108 257 1,167 SH   SOLE   257 0 0
CATERPILLAR INC COM 149123101 264 1,214 SH   SOLE   264 0 0
SCHWAB INTERMEDIATE TERMUS TRS ETF ETF 808524854 88 1,543 SH   SOLE   88 0 0
ALPHABET INC CAP STK CL C 02079K107 3,930 1,568 SH   SOLE   3,930 0 0
PEPSICO INC COM 713448108 235 1,587 SH   SOLE   235 0 0
3M CO COM 88579Y101 429 2,160 SH   SOLE   429 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 220 2,166 SH   SOLE   220 0 0
VANECK VECTORS GOLD MINERS ETF ETF 92189F106 77 2,263 SH   SOLE   77 0 0
PIONEER NAT RES CO COM 723787107 370 2,276 SH   SOLE   370 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 462 2,660 SH   SOLE   462 0 0
ADOBE SYSTEMS INCORP COM 00724F101 1,570 2,680 SH   SOLE   1,570 0 0
AMAZON COM INC COM 023135106 9,509 2,764 SH   SOLE   9,509 0 0
PHILIP MORRIS INTL I COM 718172109 275 2,777 SH   SOLE   275 0 0
OREILLY AUTOMOTIVE I COM 67103H107 1,598 2,822 SH   SOLE   1,598 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 439 2,879 SH   SOLE   439 0 0
DANAHER CORPORATION COM 235851102 793 2,954 SH   SOLE   793 0 0
VANGUARD SCOTTSDALE INTER TERM TREAS 92206C706 205 3,020 SH   OTR   0 205 0
TJX COS INC NEW COM 872540109 205 3,043 SH   SOLE   205 0 0
SPDR GOLD TR GOLD SHS 78463V107 505 3,050 SH   OTR   0 505 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ISHARES 46434G848 139 3,075 SH   SOLE   139 0 0
ROPER TECHNOLOGIES I COM 776696106 1,453 3,091 SH   SOLE   1,453 0 0
ALARM COM HLDGS INC COM 011642105 293 3,457 SH   SOLE   293 0 0
HONEYWELL INTL INC COM 438516106 763 3,480 SH   SOLE   763 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304 304 3,524 SH   SOLE   304 0 0
CHENIERE ENERGY INC COM NEW 16411R208 323 3,729 SH   SOLE   323 0 0
SBA COMMUNICATIONS C CL A 78410G104 1,284 4,029 SH   SOLE   1,284 0 0
BLACKROCK INC COM 09247X101 3,656 4,178 SH   SOLE   3,656 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 937 4,205 SH   OTR   199 738 0
HESS CORP COM 42809H107 376 4,303 SH   SOLE   376 0 0
EOG RES INC COM 26875P101 362 4,335 SH   SOLE   362 0 0
VERISK ANALYTICS INC COM 92345Y106 762 4,360 SH   SOLE   762 0 0
BOEING CO COM 097023105 1,216 5,077 SH   OTR   1,216 0 0
FASTENAL CO COM 311900104 264 5,077 SH   SOLE   264 0 0
MERCK & CO. INC COM 58933Y105 403 5,178 SH   SOLE   403 0 0
DOLLAR TREE INC COM 256746108 636 6,391 SH   SOLE   636 0 0
SYSTEMAX INC COM 871851101 244 6,635 SH   SOLE   244 0 0
CISCO SYS INC COM 17275R102 357 6,734 SH   SOLE   357 0 0
CREDIT ACCEP CORP MI COM 225310101 3,322 7,315 SH   SOLE   3,322 0 0
WORLD ACCEP CORPORAT COM 981419104 1,238 7,729 SH   SOLE   1,238 0 0
HOME DEPOT INC COM 437076102 2,711 8,501 SH   SOLE   2,711 0 0
CME GROUP INC COM 12572Q105 1,855 8,724 SH   SOLE   1,855 0 0
VANGUARD TAX-MANAGED FTSE DEV MKT ETF 921943858 450 8,737 SH   SOLE   450 0 0
VISA INC COM CL A 92826C839 2,170 9,280 SH   SOLE   2,170 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 969 9,290 SH   OTR   0 969 0
LIVE NATION ENTERTAI COM 538034109 831 9,489 SH   SOLE   831 0 0
VAPOTHERM INC COM 922107107 231 9,780 SH   SOLE   231 0 0
MOODYS CORP COM 615369105 3,620 9,991 SH   SOLE   3,620 0 0
ABERDEEN STD GOLD ET PHYSCL GOLD SHS 00326A104 171 10,083 SH   SOLE   171 0 0
PROCTER AND GAMBLE C COM 742718109 1,383 10,253 SH   SOLE   1,383 0 0
OCCIDENTAL PETE CORP COM 674599105 323 10,323 SH   SOLE   323 0 0
MASTERCARD INCORPORA CL A 57636Q104 3,793 10,390 SH   SOLE   3,793 0 0
SEMPRA ENERGY COM 816851109 1,434 10,822 SH   SOLE   1,434 0 0
BK OF AMERICA CORP COM 060505104 483 11,708 SH   SOLE   483 0 0
CBOE GLOBAL MKTS INC COM 12503M108 1,418 11,912 SH   SOLE   1,418 0 0
AMERICAN TOWER CORP COM 03027X100 3,406 12,609 SH   SOLE   3,406 0 0
ANGLOGOLD ASHANTI LI SPONSORED ADR 035128206 237 12,741 SH   SOLE   237 0 0
AUTOMATIC DATA PROCE COM 053015103 2,730 13,745 SH   SOLE   2,730 0 0
FREEPORT-MCMORAN INC CL B 35671D857 513 13,829 SH   SOLE   513 0 0
VIATRIS INC COM 92556V106 210 14,725 SH   SOLE   210 0 0
WAYFAIR INC CL A 94419L101 4,682 14,829 SH   SOLE   4,682 0 0
CIMPRESS PLC SHS EURO G2143T103 1,611 14,856 SH   SOLE   1,611 0 0
CHEVRON CORP NEW COM 166764100 1,586 15,145 SH   SOLE   1,586 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,529 15,488 SH   SOLE   1,529 0 0
CARMAX INC COM 143130102 2,075 16,066 SH   SOLE   2,075 0 0
COSTAR GROUP INC COM 22160N109 1,430 17,270 SH   SOLE   1,430 0 0
UNITED PARCEL SERVIC CL B 911312106 3,647 17,538 SH   SOLE   3,647 0 0
COLONY CAP INC NEW CL A COM 19626G108 148 18,773 SH   SOLE   148 0 0
AMGEN INC COM 031162100 4,714 19,341 SH   SOLE   4,714 0 0
YELP INC CL A 985817105 781 19,543 SH   SOLE   781 0 0
UNITEDHEALTH GROUP I COM 91324P102 7,867 19,646 SH   SOLE   7,867 0 0
COSTCO WHSL CORP NEW COM 22160K105 7,939 20,064 SH   SOLE   7,939 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,652 20,948 SH   SOLE   1,652 0 0
VALE S A SPONSORED ADS 91912E105 500 21,930 SH   SOLE   500 0 0
DISNEY WALT CO COM 254687106 3,962 22,541 SH   SOLE   3,962 0 0
BROOKFIELD ASSET MGM CL A LTD VT SH 112585104 1,159 22,736 SH   SOLE   1,159 0 0
ALBEMARLE CORP COM 012653101 3,982 23,639 SH   SOLE   3,982 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,870 24,646 SH   SOLE   1,870 0 0
JPMORGAN CHASE & CO COM 46625H100 4,004 25,745 SH   OTR   4,004 0 0
KKR & CO INC COM 48251W104 1,555 26,250 SH   SOLE   1,555 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,268 29,451 SH   SOLE   1,268 0 0
EXXON MOBIL CORP COM 30231G102 1,938 30,720 SH   SOLE   1,938 0 0
MICROSOFT CORP COM 594918104 8,360 30,861 SH   SOLE   8,360 0 0
VERISIGN INC COM 92343E102 7,360 32,324 SH   SOLE   7,360 0 0
MEDTRONIC PLC SHS G5960L103 4,052 32,647 SH   SOLE   4,052 0 0
ISHARES TR CORE S&P US GWT 464287671 3,552 35,172 SH   SOLE   3,552 0 0
ISHARES TR CORE S&P US VLU 464287663 2,595 36,063 SH   OTR   2,595 0 0
APPLE INC COM 037833100 5,190 37,896 SH   SOLE   5,190 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,264 38,443 SH   SOLE   1,264 0 0
JOHNSON & JOHNSON COM 478160104 7,171 43,531 SH   SOLE   7,171 0 0
CONOCOPHILLIPS COM 20825C104 2,653 43,561 SH   SOLE   2,653 0 0
ROYAL GOLD INC COM 780287108 5,602 49,096 SH   SOLE   5,602 0 0
BERKSHIRE HATHAWAY I CL B NEW 084670702 14,623 52,617 SH   SOLE   14,623 0 0
FRANCO NEV CORP COM 351858105 7,696 53,049 SH   SOLE   7,696 0 0
INTEL CORP COM 458140100 2,999 53,426 SH   SOLE   2,999 0 0
WALMART INC COM 931142103 7,960 56,449 SH   SOLE   7,960 0 0
KINROSS GOLD CORP COM 496902404 446 70,179 SH   SOLE   446 0 0
AGNICO EAGLE MINES L COM 008474108 4,408 72,922 SH   SOLE   4,408 0 0
SUNCOR ENERGY INC NE COM 867224107 1,961 81,812 SH   SOLE   1,961 0 0
NEWMONT CORP COM 651639106 5,866 92,550 SH   OTR   5,866 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 2,235 126,920 SH   SOLE   2,235 0 0
VERIZON COMMUNICATIO COM 92343V104 7,170 127,971 SH   SOLE   7,170 0 0
TC ENERGY CORP COM 87807B107 7,474 150,937 SH   SOLE   7,474 0 0
WHEATON PRECIOUS MET COM 962879102 6,885 156,239 SH   SOLE   6,885 0 0
PFIZER INC COM 717081103 6,446 164,601 SH   SOLE   6,446 0 0
RIO TINTO PLC SPONSORED ADR 767204100 13,981 166,653 SH   SOLE   13,981 0 0
BHP GROUP LTD SPONSORED ADS 088606108 13,815 189,695 SH   SOLE   13,815 0 0
ENBRIDGE INC COM 29250N105 7,852 196,097 SH   SOLE   7,852 0 0
SOUTHERN COPPER CORP COM 84265V105 13,742 213,651 SH   SOLE   13,742 0 0
POSCO SPONSORED ADR 693483109 17,242 224,594 SH   SOLE   17,242 0 0
BARRICK GOLD CORP COM 067901108 5,399 261,063 SH   SOLE   5,399 0 0
WILLIAMS COS INC COM 969457100 8,447 318,153 SH   SOLE   8,447 0 0
ISHARES INC CORE MSCI EMKT 46434G103 54,332 811,046 SH   OTR   53,265 1,067 0
VANGUARD INTL EQUITY FTSE EMR MKT ETF 922042858 53,573 986,430 SH   SOLE   53,573 1,067 0
ISHARES GOLD TRUST ISHARES 464285204 45,887 1,361,231 SH   SOLE   45,887 1,067 0