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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
ALPHABET INC CAP STK CL A 02079K305   347,139 2,300 SH   SOLE   0 0 2,300
APPLE INC COM 037833100   410,189 2,392 SH   SOLE   0 0 2,392
INVESCO QQQ TR UNIT SER 1 46090E103   35,619,839 80,223 SH   SOLE   80,223 0 0
ISHARES GOLD TR ISHARES NEW 464285204   50,622,596 1,205,013 SH   SOLE   1,205,013 0 0
ISHARES TR CORE US AGGBD ET 464287226   207,045 2,114 SH   SOLE   2,114 0 0
ISHARES TR MSCI EAFE ETF 464287465   28,081,571 351,635 SH   SOLE   351,635 0 0
ISHARES TR EAFE GRWTH ETF 464288885   8,915,042 85,895 SH   SOLE   85,895 0 0
ISHARES TR EAFE VALUE ETF 464288877   517,616 9,515 SH   SOLE   9,515 0 0
ISHARES TR INTL SEL DIV ETF 464288448   240,443 8,575 SH   SOLE   8,575 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   19,875,855 209,971 SH   SOLE   209,971 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,164,673 69,586 SH   SOLE   69,586 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   141,035,136 1,217,815 SH   SOLE   1,217,815 0 0
ISHARES TR LATN AMER 40 ETF 464287390   223,681 7,865 SH   SOLE   7,865 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   32,107,426 106,996 SH   SOLE   106,996 0 0
ISHARES TR U.S. REAL ES ETF 464287739   451,298 5,020 SH   SOLE   5,020 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   23,710,775 144,270 SH   SOLE   144,270 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   407,334 7,040 SH   SOLE   7,040 0 0
MICROSOFT CORP COM 594918104   466,578 1,109 SH   SOLE   0 0 1,109
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   17,136,308 593,568 SH   SOLE   593,568 0 0
SCHWAB STRATEGIC TR SCHW FDT INT LG 808524755   203,796 5,723 SH   SOLE   5,723 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   40,315,897 598,247 SH   SOLE   598,247 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   15,699,099 257,151 SH   SOLE   257,151 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   286,962 3,559 SH   SOLE   3,559 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   691,346 11,140 SH   SOLE   11,140 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   922,220 4,428 SH   SOLE   4,428 0 0
SPDR GOLD TR GOLD SHS 78463V107   39,563,453 192,317 SH   SOLE   192,317 0 0
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   2,687,659 88,907 SH   SOLE   88,907 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   18,445,211 213,289 SH   SOLE   213,289 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   178,381,024 686,345 SH   SOLE   686,345 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,872,971 48,985 SH   SOLE   48,985 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   47,636,280 813,600 SH   SOLE   813,600 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   86,062,571 1,715,419 SH   SOLE   1,715,419 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   9,915,516 121,618 SH   SOLE   121,618 0 0