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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
ISHARES INC MSCI GBL ETF NEW 46434G848   3,128,602 76,318 SH   SOLE   76,318 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   9,385,981 77,391 SH   SOLE   77,391 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,144,274 20,563 SH   SOLE   20,563 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   50,032,132 1,382,485 SH   SOLE   1,382,485 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   3,073,064 16,072 SH   SOLE   16,072 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,392,057 5,612 SH   SOLE   5,612 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,139,524 234,733 SH   SOLE   234,733 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   23,903,421 125,024 SH   SOLE   125,024 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   18,200,329 369,710 SH   SOLE   369,710 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   6,808,721 141,142 SH   SOLE   141,142 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   29,223,557 564,292 SH   SOLE   564,292 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   13,727,162 141,575 SH   SOLE   141,575 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   2,456,684 39,868 SH   SOLE   39,868 0 0
MICROSOFT CORP COM 594918104   5,276,040 22,000 SH   SOLE   22,000 0 0
ENBRIDGE INC COM 29250N105   8,188,009 209,412 SH   SOLE   209,412 0 0
WILLIAMS COS INC COM 969457100   8,640,724 262,636 SH   SOLE   262,636 0 0
TC ENERGY CORP COM 87807B107   7,557,217 189,594 SH   SOLE   189,594 0 0
CHENIERE ENERGY INC COM NEW 16411R208   5,335,877 35,582 SH   SOLE   35,582 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   720,855 2,052 SH   SOLE   2,052 0 0
SOUTHERN COPPER CORP COM 84265V105   7,102,408 117,609 SH   SOLE   117,609 0 0
HOME DEPOT INC COM 437076102   4,069,540 12,884 SH   SOLE   12,884 0 0
BLACKROCK INC COM 09247X101   4,355,949 6,147 SH   SOLE   6,147 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,490,126 474,349 SH   SOLE   474,349 0 0
ALBEMARLE CORP COM 012653101   6,188,317 28,536 SH   SOLE   28,536 0 0
ISHARES GOLD TR ISHARES NEW 464285204   5,783,344 167,197 SH   SOLE   167,197 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109   7,200,008 132,183 SH   SOLE   132,183 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   14,864,268 48,120 SH   SOLE   48,120 0 0
FREEPORT-MCMORAN INC CL B 35671D857   5,343,332 140,614 SH   SOLE   140,614 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   380,001 15,696 SH   SOLE   15,696 0 0
ALPHABET INC CAP STK CL C 02079K107   3,600,663 40,580 SH   SOLE   40,580 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   9,983,564 155,144 SH   SOLE   155,144 0 0
HONEYWELL INTL INC COM 438516106   2,359,443 11,010 SH   SOLE   11,010 0 0
BHP GROUP LTD SPONSORED ADS 088606108   7,916,960 127,590 SH   SOLE   127,590 0 0
SEMPRA COM 816851109   671,476 4,345 SH   SOLE   4,345 0 0
UNITED PARCEL SERVICE INC CL B 911312106   3,496,618 20,114 SH   SOLE   20,114 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,803,511 7,174 SH   SOLE   7,174 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,519,947 207,793 SH   SOLE   207,793 0 0
MCDONALDS CORP COM 580135101   1,931,411 7,329 SH   SOLE   7,329 0 0
APPLE INC COM 037833100   5,477,199 42,155 SH   SOLE   42,155 0 0
VISA INC COM CL A 92826C839   5,596,639 26,938 SH   SOLE   26,938 0 0
JPMORGAN CHASE & CO COM 46625H100   4,846,910 36,144 SH   SOLE   36,144 0 0
RIO TINTO PLC SPONSORED ADR 767204100   6,793,477 95,414 SH   SOLE   95,414 0 0
JOHNSON & JOHNSON COM 478160104   6,307,288 35,705 SH   SOLE   35,705 0 0
PFIZER INC COM 717081103   4,870,106 95,045 SH   SOLE   95,045 0 0
WALMART INC COM 931142103   7,194,566 50,741 SH   SOLE   50,741 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   1,195,376 20,525 SH   SOLE   20,525 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   3,566,291 90,515 SH   SOLE   90,515 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   477,668 4,638 SH   SOLE   4,638 0 0
CONOCOPHILLIPS COM 20825C104   5,316,490 45,055 SH   SOLE   45,055 0 0
COSTCO WHSL CORP NEW COM 22160K105   5,095,453 11,162 SH   SOLE   11,162 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   3,561,403 14,910 SH   SOLE   14,910 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103   14,829,059 814,336 SH   SOLE   814,336 0 0
ISHARES TR CORE S&P US GWT 464287671   2,494,838 30,604 SH   SOLE   30,604 0 0
ISHARES TR CORE S&P US VLU 464287663   2,772,793 39,258 SH   SOLE   39,258 0 0
CANADIAN NAT RES LTD COM 136385101   3,321,583 59,816 SH   SOLE   59,816 0 0
ALPHABET INC CAP STK CL A 02079K305   204,694 2,320 SH   SOLE   2,320 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,366,650 9,000 SH   SOLE   9,000 0 0
CHEVRON CORP NEW COM 166764100   952,553 5,307 SH   SOLE   5,307 0 0
ABBVIE INC COM 00287Y109   307,867 1,905 SH   SOLE   1,905 0 0
OCCIDENTAL PETE CORP COM 674599105   464,740 7,378 SH   SOLE   7,378 0 0
BARRICK GOLD CORP COM 067901108   346,177 20,150 SH   SOLE   20,150 0 0
NEWMONT CORP COM 651639106   391,618 8,297 SH   SOLE   8,297 0 0
UNION PAC CORP COM 907818108   241,651 1,167 SH   SOLE   1,167 0 0
DISNEY WALT CO COM 254687106   1,925,956 22,168 SH   SOLE   22,168 0 0
PEPSICO INC COM 713448108   286,707 1,587 SH   SOLE   1,587 0 0
CATERPILLAR INC COM 149123101   288,670 1,205 SH   SOLE   1,205 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   909,946 38,443 SH   SOLE   38,443 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   233,498 680 SH   SOLE   680 0 0
PROCTER AND GAMBLE CO COM 742718109   1,492,866 9,850 SH   SOLE   9,850 0 0
INTEL CORP COM 458140100   2,081,733 78,764 SH   SOLE   78,764 0 0
VERISIGN INC COM 92343E102   3,373,530 16,421 SH   SOLE   16,421 0 0
PIONEER NAT RES CO COM 723787107   473,909 2,075 SH   SOLE   2,075 0 0
EOG RES INC COM 26875P101   512,640 3,958 SH   SOLE   3,958 0 0
HESS CORP COM 42809H107   608,833 4,293 SH   SOLE   4,293 0 0
SPDR SER TR S&P METALS MNG 78464A755   1,338,743 26,877 SH   SOLE   26,877 0 0
FRANCO NEV CORP COM 351858105   438,783 3,215 SH   SOLE   3,215 0 0
MERCK & CO INC COM 58933Y105   374,900 3,379 SH   SOLE   3,379 0 0
AMAZON COM INC COM 023135106   1,906,548 22,697 SH   SOLE   22,697 0 0
VALE S A SPONSORED ADS 91912E105   3,125,908 184,202 SH   SOLE   184,202 0 0
PHILIP MORRIS INTL INC COM 718172109   314,358 3,106 SH   SOLE   3,106 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   2,922,686 13,244 SH   SOLE   13,244 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   1,146,140 34,000 SH   SOLE   34,000 0 0
ISHARES INC CORE MSCI EMKT 46434G103   652,913 13,981 SH   SOLE   13,981 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   311,556 7,089 SH   SOLE   7,089 0 0
SPDR GOLD TR GOLD SHS 78463V107   847,352 4,995 SH   SOLE   4,995 0 0
SUNCOR ENERGY INC NEW COM 867224107   673,438 21,224 SH   SOLE   21,224 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   364,423 3,496 SH   SOLE   3,496 0 0
BOOKING HOLDINGS INC COM 09857L108   1,285,749 638 SH   SOLE   638 0 0
BK OF AMERICA CORP COM 060505104   377,932 11,411 SH   SOLE   11,411 0 0
TJX COS INC NEW COM 872540109   263,954 3,316 SH   SOLE   3,316 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   2,109,231 2,499 SH   SOLE   2,499 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,367,070 9,683 SH   SOLE   9,683 0 0
SCHWAB CHARLES CORP COM 808513105   999,953 12,010 SH   SOLE   12,010 0 0
CREDIT ACCEP CORP MICH COM 225310101   3,450,786 7,274 SH   SOLE   7,274 0 0
CARMAX INC COM 143130102   942,821 15,484 SH   SOLE   15,484 0 0
EXXON MOBIL CORP COM 30231G102   579,406 5,253 SH   SOLE   5,253 0 0
YELP INC CL A 985817105   334,095 12,220 SH   SOLE   12,220 0 0
WORLD ACCEP CORPORATION COM 981419104   563,457 8,545 SH   SOLE   8,545 0 0
CIMPRESS PLC SHS EURO G2143T103   447,282 16,200 SH   SOLE   16,200 0 0
WAYFAIR INC CL A 94419L101   524,957 15,961 SH   SOLE   15,961 0 0
DANAHER CORPORATION COM 235851102   871,374 3,283 SH   SOLE   3,283 0 0
KKR & CO INC COM 48251W104   1,282,218 27,622 SH   SOLE   27,622 0 0
VERISK ANALYTICS INC COM 92345Y106   817,177 4,632 SH   SOLE   4,632 0 0
MOODYS CORP COM 615369105   2,834,401 10,173 SH   SOLE   10,173 0 0
ROPER TECHNOLOGIES INC COM 776696106   1,331,701 3,082 SH   SOLE   3,082 0 0
SALESFORCE INC COM 79466L302   796,336 6,006 SH   SOLE   6,006 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,505,456 11,826 SH   SOLE   11,826 0 0
COSTAR GROUP INC COM 22160N109   1,027,979 13,302 SH   SOLE   13,302 0 0
SNOWFLAKE INC CL A 833445109   285,358 1,988 SH   SOLE   1,988 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   988,389 2,937 SH   SOLE   2,937 0 0
CISCO SYS INC COM 17275R102   2,342,554 49,172 SH   SOLE   49,172 0 0
BOEING CO COM 097023105   2,754,104 14,458 SH   SOLE   14,458 0 0
MEDTRONIC PLC SHS G5960L103   2,564,993 33,003 SH   SOLE   33,003 0 0
AMGEN INC COM 031162100   4,998,039 19,030 SH   SOLE   19,030 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   422,408 2,660 SH   SOLE   2,660 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   381,180 2,879 SH   SOLE   2,879 0 0
ISHARES TR TIPS BD ETF 464287176   824,591 7,747 SH   SOLE   7,747 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   2,195,480 341,975 SH   SOLE   341,975 0 0
PAYPAL HLDGS INC COM 70450Y103   771,669 10,835 SH   SOLE   10,835 0 0
US BANCORP DEL COM NEW 902973304   511,415 11,727 SH   SOLE   11,727 0 0
ISHARES INC MSCI EMRG CHN 46434G764   10,718,726 225,800 SH   SOLE   225,800 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,375,027 20,948 SH   SOLE   20,948 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   560,478 2,750 SH   SOLE   2,750 0 0
ISHARES INC CORE MSCI EMKT 46434G103   763,297 16,345 SH   SOLE   0 16,345 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   239,943 1,255 SH   SOLE   0 1,255 0
SPDR GOLD TR GOLD SHS 78463V107   517,402 3,050 SH   SOLE   0 3,050 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   851,487 19,002 SH   SOLE   0 19,002 0