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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   460,460 2,392 SH   SOLE   0 0 2,392
ISHARES GOLD TR ISHARES NEW 464285204   46,331,850 1,187,083 SH   SOLE   1,187,083 0 0
ISHARES TR CORE US AGGBD ET 464287226   209,815 2,114 SH   SOLE   2,114 0 0
ISHARES TR LATN AMER 40 ETF 464287390   231,172 7,955 SH   SOLE   7,955 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   56,281,735 583,896 SH   SOLE   583,896 0 0
ISHARES TR MSCI EAFE ETF 464287465   27,234,579 361,441 SH   SOLE   361,441 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   31,109,770 113,647 SH   SOLE   113,647 0 0
ISHARES TR U.S. REAL ES ETF 464287739   458,878 5,020 SH   SOLE   5,020 0 0
ISHARES TR INTL SEL DIV ETF 464288448   240,014 8,575 SH   SOLE   8,575 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   140,932,063 1,203,211 SH   SOLE   1,203,211 0 0
ISHARES TR EAFE VALUE ETF 464288877   514,540 9,876 SH   SOLE   9,876 0 0
ISHARES TR EAFE GRWTH ETF 464288885   8,444,061 87,187 SH   SOLE   87,187 0 0
MICROSOFT CORP COM 594918104   447,488 1,190 SH   SOLE   0 0 1,190
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   14,619,365 262,608 SH   SOLE   262,608 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   643,934 11,417 SH   SOLE   11,417 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   40,941,844 660,992 SH   SOLE   660,992 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   270,947 3,559 SH   SOLE   3,559 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   81,224,940 1,695,719 SH   SOLE   1,695,719 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   9,840,778 124,033 SH   SOLE   124,033 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,769,889 49,339 SH   SOLE   49,339 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,817,885 156,382 SH   SOLE   156,382 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   167,969,816 708,076 SH   SOLE   708,076 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   37,191,378 90,817 SH   SOLE   90,817 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   17,070,461 518,859 SH   SOLE   518,859 0 0
ALPHABET INC CAP STK CL A 02079K305   321,287 2,300 SH   SOLE   0 0 2,300
ISHARES TR MSCI USA QLT FCT 46432F339   24,010,747 163,183 SH   SOLE   163,183 0 0
ISHARES TR CORE MSCI EAFE 46432F842   4,871,808 69,251 SH   SOLE   69,251 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   387,059 7,040 SH   SOLE   7,040 0 0
SPDR GOLD TR GOLD SHS 78463V107   37,150,257 194,331 SH   SOLE   194,331 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   976,066 5,071 SH   SOLE   5,071 0 0
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   701,830 25,401 SH   SOLE   25,401 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   49,143,417 828,446 SH   SOLE   828,446 0 0