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
CANADIAN NAT RES LTD COM 136385101 1,351 29,018 SH   SOLE   1,351 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 13 36 SH   SOLE   13 0 0
SCHWAB CHARLES CORP COM 808513105 683 9,499 SH   SOLE   683 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308 1,370 67,975 SH   SOLE   1,370 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506 4 55 SH   SOLE   4 0 0
SPDR FUND CONSUMER STAPLES ETF ETF 81369Y308 4 56 SH   SOLE   4 0 0
SELECT SECTOR HEALTH CARE SPDR ETF ETF 81369Y209 4 29 SH   SOLE   4 0 0
MEDTRONIC PLC SHS G5960L103 2,828 35,019 SH   SOLE   2,828 0 0
CIMPRESS PLC SHS EURO G2143T103 397 16,200 SH   SOLE   397 0 0
WAYFAIR INC CL A 94419L101 520 15,961 SH   SOLE   520 0 0
VISA INC COM CL A 92826C839 5,815 32,732 SH   SOLE   5,815 0 0
VERISK ANALYTICS INC COM 92345Y106 790 4,632 SH   SOLE   790 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 5,667 149,258 SH   SOLE   5,667 0 0
VANGUARD UTILITIES ETF ETF 92204A876 25 174 SH   SOLE   25 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 22 99 SH   SOLE   22 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,062 20,297 SH   SOLE   2,062 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204A207 22 128 SH   SOLE   22 0 0
VANECK GOLD MINERS ETF ETF 92189F106 57 2,356 SH   SOLE   57 0 0
UNITEDHEALTH GROUP INC COM 91324P102 5,458 10,807 SH   SOLE   5,458 0 0
TC ENERGY CORP COM 87807B107 7,637 189,543 SH   SOLE   7,637 0 0
SOUTHERN COPPER CORP COM 84265V105 4,731 105,508 SH   SOLE   4,731 0 0
SALESFORCE INC COM 79466L302 1,018 7,075 SH   SOLE   1,018 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,142 26,877 SH   SOLE   1,142 0 0
SPDR GOLD TR GOLD SHS 78463V107 472 3,050 SH   SOLE   0 472 0
SPDR GOLD TR GOLD SHS 78463V107 773 4,995 SH   SOLE   773 0 0
PAYPAL HLDGS INC COM 70450Y103 1,067 12,401 SH   SOLE   1,067 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 2,780 341,975 SH   SOLE   2,780 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 1,719 2,444 SH   SOLE   1,719 0 0
MERCK & CO INC COM 58933Y105 291 3,379 SH   SOLE   291 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,725 9,583 SH   SOLE   2,725 0 0
KKR & CO INC COM 48251W104 1,188 27,622 SH   SOLE   1,188 0 0
JPMORGAN CHASE & CO COM 46625H100 4,523 43,282 SH   SOLE   4,523 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103 14,993 903,766 SH   SOLE   14,993 0 0
ISHARES MSCI GLO MET MIN PROD ETF ETF 46434G848 57 1,680 SH   SOLE   57 0 0
ISHARES INC CORE MSCI EMKT 46434G103 696 16,187 SH   SOLE   0 696 0
ISHARES INC CORE MSCI EMKT 46434G103 34,991 814,140 SH   SOLE   34,991 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 8 146 SH   SOLE   8 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 570 5,928 SH   SOLE   570 0 0
HESS CORP COM 42809H107 468 4,293 SH   SOLE   468 0 0
FREEPORT-MCMORAN INC CL B 35671D857 3,231 118,231 SH   SOLE   3,231 0 0
EXXON MOBIL CORP COM 30231G102 455 5,213 SH   SOLE   455 0 0
ENBRIDGE INC COM 29250N105 9,341 251,782 SH   SOLE   9,341 0 0
EOG RES INC COM 26875P101 442 3,958 SH   SOLE   442 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,494 26,816 SH   SOLE   2,494 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 275 7,061 SH   SOLE   275 0 0
COSTAR GROUP INC COM 22160N109 1,269 18,218 SH   SOLE   1,269 0 0
COSTCO WHSL CORP NEW COM 22160K105 7,876 16,677 SH   SOLE   7,876 0 0
CONOCOPHILLIPS COM 20825C104 2,574 25,150 SH   SOLE   2,574 0 0
CISCO SYS INC COM 17275R102 2,849 71,226 SH   SOLE   2,849 0 0
CHENIERE ENERGY INC COM NEW 16411R208 4,616 27,825 SH   SOLE   4,616 0 0
CME GROUP INC COM 12572Q105 889 5,019 SH   SOLE   889 0 0
CBOE GLOBAL MKTS INC COM 12503M108 573 4,881 SH   SOLE   573 0 0
BOOKING HOLDINGS INC COM 09857L108 1,139 693 SH   SOLE   1,139 0 0
BLACKROCK INC COM 09247X101 4,063 7,384 SH   SOLE   4,063 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,119 34,000 SH   SOLE   1,119 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,535 11,806 SH   SOLE   2,535 0 0
ALPHABET INC CAP STK CL C 02079K107 4,956 51,540 SH   SOLE   4,956 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 938 3,408 SH   SOLE   938 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 161 10,083 SH   SOLE   161 0 0
ABBVIE INC COM 00287Y109 234 1,743 SH   SOLE   234 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 46,085 1,397,355 SH   SOLE   46,085 0 0
VALE S A SPONSORED ADS 91912E105 292 21,930 SH   SOLE   292 0 0
VERISIGN INC COM 92343E102 4,988 28,716 SH   SOLE   4,988 0 0
YELP INC CL A 985817105 414 12,220 SH   SOLE   414 0 0
WORLD ACCEP CORPORATION COM 981419104 827 8,545 SH   SOLE   827 0 0
WILLIAMS COS INC COM 969457100 6,340 221,448 SH   OTR   6,340 0 0
WALMART INC COM 931142103 8,247 63,588 SH   SOLE   8,247 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 225 1,255 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,378 13,252 SH   SOLE   2,378 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 517 2,750 SH   SOLE   517 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 381 2,660 SH   SOLE   381 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 460 1,401 SH   SOLE   460 0 0
VAPOTHERM INC COM 922107107 17 10,998 SH   SOLE   17 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 8,574 185,795 SH   SOLE   8,574 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 7,212 125,556 SH   SOLE   7,212 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 36,994 1,013,832 SH   SOLE   36,994 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 214 2,716 SH   SOLE   214 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,223 33,646 SH   SOLE   1,223 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 62 1,697 SH   SOLE   62 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 359 2,879 SH   SOLE   359 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,216 9,000 SH   SOLE   1,216 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,996 24,737 SH   SOLE   3,996 0 0
UNION PAC CORP COM 907818108 227 1,167 SH   SOLE   227 0 0
US BANCORP DEL COM NEW 902973304 566 14,027 SH   SOLE   566 0 0
SUNCOR ENERGY INC NEW COM 867224107 597 21,224 SH   SOLE   597 0 0
SEMPRA COM 816851109 2,772 18,486 SH   SOLE   2,772 0 0
SCHWAB INTERMEDIATE TERM US TRS ETF ETF 808524854 108 2,196 SH   SOLE   108 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 861 38,443 SH   SOLE   861 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 794 18,917 SH   OTR   0 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 454 10,804 SH   SOLE   454 0 0
ROPER TECHNOLOGIES INC COM 776696106 1,108 3,082 SH   SOLE   1,108 0 0
RIO TINTO PLC SPONSORED ADR 767204100 9,276 168,473 SH   SOLE   9,276 0 0
PROCTER AND GAMBLE CO COM 742718109 1,268 10,043 SH   SOLE   1,268 0 0
PIONEER NAT RES CO COM 723787107 449 2,075 SH   SOLE   449 0 0
PHILIP MORRIS INTL INC COM 718172109 229 2,763 SH   SOLE   229 0 0
PFIZER INC COM 717081103 5,890 134,597 SH   SOLE   5,890 0 0
PEPSICO INC COM 713448108 259 1,587 SH   SOLE   259 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109 7,252 198,080 SH   SOLE   7,252 0 0
OCCIDENTAL PETE CORP COM 674599105 453 7,378 SH   SOLE   453 0 0
NEWMONT CORP COM 651639106 559 13,303 SH   SOLE   559 0 0
MOODYS CORP COM 615369105 2,473 10,173 SH   SOLE   2,473 0 0
MICROSOFT CORP COM 594918104 6,567 28,196 SH   SOLE   6,567 0 0
MCDONALDS CORP COM 580135101 2,663 11,541 SH   SOLE   2,663 0 0
JOHNSON & JOHNSON COM 478160104 7,881 48,242 SH   SOLE   7,881 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,268 15,785 SH   SOLE   3,268 0 0
ISHARES TR CORE S&P US GWT 464287671 2,465 30,746 SH   SOLE   2,465 0 0
ISHARES TR CORE S&P US VLU 464287663 2,458 39,258 SH   SOLE   2,458 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 779 3,770 SH   SOLE   779 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,399 24,978 SH   SOLE   1,399 0 0
ISHARES TR TIPS BD ETF 464287176 839 8,000 SH   SOLE   839 0 0
ISHARES GOLD TR ISHARES NEW 464285204 9,251 293,414 SH   SOLE   9,251 0 0
INTEL CORP COM 458140100 3,365 130,583 SH   SOLE   3,365 0 0
HONEYWELL INTL INC COM 438516106 2,845 17,039 SH   SOLE   2,845 0 0
HOME DEPOT INC COM 437076102 4,498 16,301 SH   SOLE   4,498 0 0
FRANCO NEV CORP COM 351858105 384 3,215 SH   SOLE   384 0 0
DISNEY WALT CO COM 254687106 3,824 40,542 SH   SOLE   3,824 0 0
DANAHER CORPORATION COM 235851102 848 3,283 SH   SOLE   848 0 0
CREDIT ACCEP CORP MICH COM 225310101 3,186 7,274 SH   SOLE   3,186 0 0
CHEVRON CORP NEW COM 166764100 827 5,759 SH   SOLE   827 0 0
CARMAX INC COM 143130102 1,036 15,695 SH   SOLE   1,036 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,005 24,569 SH   SOLE   1,005 0 0
BOEING CO COM 097023105 2,483 20,505 SH   SOLE   2,483 0 0
BHP GROUP LTD SPONSORED ADS 088606108 9,836 196,555 SH   SOLE   9,836 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,714 36,380 SH   SOLE   9,714 0 0
BARRICK GOLD CORP COM 067901108 359 23,157 SH   SOLE   359 0 0
BK OF AMERICA CORP COM 060505104 354 11,708 SH   SOLE   354 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,704 20,795 SH   SOLE   4,704 0 0
APPLE INC COM 037833100 7,528 54,473 SH   SOLE   7,528 0 0
AMGEN INC COM 031162100 4,289 19,030 SH   SOLE   4,289 0 0
AMAZON COM INC COM 023135106 5,698 50,422 SH   SOLE   5,698 0 0
ALBEMARLE CORP COM 012653101 6,861 25,945 SH   SOLE   6,861 0 0