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
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,276,622 449,842 SH   SOLE   449,842 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   10,664,285 120,828 SH   SOLE   120,828 0 0
SEMPRA COM 816851109   9,429,361 138,606 SH   SOLE   138,606 0 0
MEDTRONIC PLC SHS G5960L103   8,846,212 112,892 SH   SOLE   112,892 0 0
HOME DEPOT INC COM 437076102   8,779,392 29,055 SH   SOLE   29,055 0 0
JPMORGAN CHASE & CO COM 46625H100   8,766,720 60,452 SH   SOLE   60,452 0 0
STANLEY BLACK & DECKER INC COM 854502101   8,395,938 100,454 SH   SOLE   100,454 0 0
WALMART INC COM 931142103   7,951,402 49,718 SH   SOLE   49,718 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   7,506,551 126,886 SH   SOLE   126,886 0 0
APPLE INC COM 037833100   7,428,918 43,391 SH   SOLE   43,391 0 0
GARMIN LTD SHS H2906T109   7,226,887 68,697 SH   SOLE   68,697 0 0
D R HORTON INC COM 23331A109   7,197,123 66,969 SH   SOLE   66,969 0 0
HUNTINGTON INGALLS INDS INC COM 446413106   6,930,743 33,878 SH   SOLE   33,878 0 0
LOCKHEED MARTIN CORP COM 539830109   6,831,483 16,705 SH   SOLE   16,705 0 0
ALBEMARLE CORP COM 012653101   6,816,343 40,087 SH   SOLE   40,087 0 0
MICROSOFT CORP COM 594918104   6,793,131 21,514 SH   SOLE   21,514 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   6,707,918 44,965 SH   SOLE   44,965 0 0
ISHARES GOLD TR ISHARES NEW 464285204   6,349,845 181,476 SH   SOLE   181,476 0 0
DIGITAL RLTY TR INC COM 253868103   6,091,159 50,332 SH   SOLE   50,332 0 0
PACKAGING CORP AMER COM 695156109   6,087,211 39,643 SH   SOLE   39,643 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   5,219,207 37,200 SH   SOLE   37,200 0 0
US BANCORP DEL COM NEW 902973304   4,944,524 149,562 SH   SOLE   149,562 0 0
DOW INC COM 260557103   4,890,896 94,858 SH   SOLE   94,858 0 0
AT&T INC COM 00206R102   4,686,314 312,005 SH   SOLE   312,005 0 0
PHILIP MORRIS INTL INC COM 718172109   4,645,338 50,176 SH   SOLE   50,176 0 0
ALTRIA GROUP INC COM 02209S103   4,637,720 110,291 SH   SOLE   110,291 0 0
KRAFT HEINZ CO COM 500754106   4,566,440 135,744 SH   SOLE   135,744 0 0
3M CO COM 88579Y101   4,553,217 48,635 SH   SOLE   48,635 0 0
AMERICAN TOWER CORP NEW COM 03027X100   4,533,669 27,569 SH   SOLE   27,569 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   4,420,646 136,398 SH   SOLE   136,398 0 0
TARGET CORP COM 87612E106   4,341,627 39,266 SH   SOLE   39,266 0 0
CROWN CASTLE INC COM 22822V101   4,275,060 46,453 SH   SOLE   46,453 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,107,171 82,391 SH   SOLE   82,391 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   3,812,182 192,243 SH   SOLE   192,243 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   3,541,739 159,251 SH   SOLE   159,251 0 0
FRANCO NEV CORP COM 351858105   3,300,053 24,721 SH   SOLE   24,721 0 0
ISHARES TR MSCI INDIA ETF 46429B598   3,071,044 69,449 SH   SOLE   69,449 0 0
ISHARES INC MSCI MLY ETF NEW 46434G814   3,050,459 148,152 SH   SOLE   148,152 0 0
ROYAL GOLD INC COM 780287108   3,031,546 28,511 SH   SOLE   28,511 0 0
NEWMONT CORP COM 651639106   3,010,418 81,473 SH   SOLE   81,473 0 0
VANECK ETF TRUST VANECK VIETNAM 92189F817   2,991,243 220,919 SH   SOLE   220,919 0 0
ISHARES INC MSCI CHILE ETF 464286640   2,934,295 112,039 SH   SOLE   112,039 0 0
ISHARES TR MSCI INDONIA ETF 46429B309   2,930,777 131,602 SH   SOLE   131,602 0 0
BARRICK GOLD CORP BARRICK GOLD CORP 067901108   2,914,683 200,322 SH   SOLE   200,322 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   2,815,809 106,137 SH   SOLE   106,137 0 0
ISHARES TR MSCI POLAND ETF 46429B606   2,616,530 152,924 SH   SOLE   152,924 0 0
ZIMMER BIOMET HOLDINGS INC ZIMMER BIOMET HOLDINGS INC 98956P102   2,075,621 18,496 SH   SOLE   18,496 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,452,026 22,526 SH   SOLE   22,526 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,256,465 16,537 SH   SOLE   16,537 0 0
ISHARES TR IBOXX INV CP ETF 464287242   1,242,898 12,183 SH   SOLE   12,183 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,187,841 26,856 SH   SOLE   26,856 0 0
SPDR SER TR S&P BIOTECH 78464A870   1,120,200 15,341 SH   SOLE   15,341 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709   1,089,702 15,561 SH   SOLE   15,561 0 0
PIMCO ETF TR 25YR+ ZERO U S 72201R882   880,469 12,106 SH   SOLE   12,106 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   772,532 17,670 SH   SOLE   17,670 0 0
ISHARES TR PFD AND INCM SEC 464288687   597,483 19,817 SH   SOLE   19,817 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   511,593 7,559 SH   SOLE   7,559 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   507,282 12,247 SH   SOLE   12,247 0 0
PROCTER AND GAMBLE CO COM 742718109   387,550 2,657 SH   SOLE   2,657 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   381,963 15,955 SH   SOLE   15,955 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   243,831 13,346 SH   SOLE   13,346 0 0