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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
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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
APPLE INC COM 037833100   280,055 1,698 SH   SOLE   0 0 1,698
INVESCO QQQ TR UNIT SER 1 46090E103   38,316,154 119,391 SH   SOLE   119,391 0 0
ISHARES GOLD TR ISHARES NEW 464285204   34,413,286 920,880 SH   SOLE   920,880 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   165,736,549 1,408,725 SH   SOLE   1,408,725 0 0
ISHARES TR S&P MC 400GR ETF 464287606   34,000,216 475,461 SH   SOLE   475,461 0 0
ISHARES TR CORE S&P SCP ETF 464287804   29,378,427 303,810 SH   SOLE   303,810 0 0
ISHARES TR MSCI EAFE ETF 464287465   24,961,839 349,019 SH   SOLE   349,019 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   20,421,347 164,602 SH   SOLE   164,602 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   18,511,387 78,635 SH   SOLE   78,635 0 0
ISHARES TR EAFE GRWTH ETF 464288885   9,610,819 102,592 SH   SOLE   102,592 0 0
ISHARES TR CORE US AGGBD ET 464287226   7,393,786 74,205 SH   SOLE   74,205 0 0
ISHARES TR CORE MSCI EAFE 46432F842   4,052,581 60,622 SH   SOLE   60,622 0 0
ISHARES TR U.S. REAL ES ETF 464287739   774,628 9,124 SH   SOLE   9,124 0 0
ISHARES TR INTL SEL DIV ETF 464288448   565,277 20,563 SH   SOLE   20,563 0 0
ISHARES TR EAFE VALUE ETF 464288877   536,159 11,048 SH   SOLE   11,048 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   384,384 7,040 SH   SOLE   7,040 0 0
MICROSOFT CORP COM 594918104   292,015 1,013 SH   SOLE   0 0 1,013
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   33,321,392 606,726 SH   SOLE   606,726 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,246,724 214,143 SH   SOLE   214,143 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   480,701 9,938 SH   SOLE   9,938 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   260,376 3,559 SH   SOLE   3,559 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   208,240 10,679 SH   SOLE   10,679 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   23,623,613 285,206 SH   SOLE   285,206 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   647,833 4,290 SH   SOLE   4,290 0 0
SPDR GOLD TR GOLD SHS 78463V107   29,577,938 161,434 SH   SOLE   161,434 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   66,874,365 327,655 SH   SOLE   327,655 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   24,378,197 293,572 SH   SOLE   293,572 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,671,377 8,576 SH   SOLE   8,576 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,704,940 50,588 SH   SOLE   50,588 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,867,193 81,174 SH   SOLE   81,174 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   65,526,990 1,450,675 SH   SOLE   1,450,675 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   32,467,018 440,649 SH   SOLE   440,649 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,980,177 17,335 SH   SOLE   17,335 0 0