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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
GOLD TRUST ISHARES 464285105 3,841 211,836 SH   SOLE   125,931 0 85,905
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,415 157,057 SH   SOLE   101,619 0 55,438
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,478 149,228 SH   SOLE   102,096 0 47,132
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,024 68,726 SH   SOLE   61,850 0 6,876
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,601 65,240 SH   SOLE   33,095 0 32,145
ISHARES TR CORE S&P500 ETF 464287200 21,372 56,932 SH   SOLE   39,179 0 17,753
SPDR SER TR BLOMBERG BRC INV 78468R200 1,650 53,945 SH   SOLE   42,480 0 11,465
ISHARES TR CORE US AGGBD ET 464287226 6,018 50,922 SH   SOLE   42,681 0 8,241
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,098 50,140 SH   SOLE   37,675 0 12,465
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,453 49,280 SH   SOLE   46,307 0 2,973
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,318 46,554 SH   SOLE   27,354 0 19,200
SPDR SER TR PORTFOLIO SHORT 78464A474 1,426 45,407 SH   SOLE   38,727 0 6,680
ISHARES TR CORE S&P MCP ETF 464287507 7,985 34,742 SH   SOLE   27,751 0 6,991
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 195 31,500 SH   SOLE   31,500 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,558 30,151 SH   SOLE   30,151 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,746 28,987 SH   SOLE   25,280 0 3,707
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,764 28,951 SH   SOLE   25,463 0 3,488
ISHARES TR MSCI EAFE ETF 464287465 1,827 25,036 SH   SOLE   24,751 0 285
ISHARES TR CORE S&P SCP ETF 464287804 2,209 24,036 SH   SOLE   16,155 0 7,881
ENTERPRISE PRODS PARTNERS L COM 293792107 445 22,710 SH   SOLE   22,710 0 0
ISHARES TR U.S. REAL ES ETF 464287739 1,857 21,681 SH   SOLE   18,184 0 3,497
ISHARES TR NATIONAL MUN ETF 464288414 2,403 20,500 SH   SOLE   9,985 0 10,515
ISHARES TR 1 3 YR TREAS BD 464287457 1,516 17,550 SH   SOLE   17,550 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,952 17,204 SH   SOLE   15,815 0 1,389
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,366 17,160 SH   SOLE   15,175 0 1,985
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,326 17,086 SH   SOLE   14,664 0 2,422
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,128 16,710 SH   SOLE   15,125 0 1,585
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 900 13,336 SH   SOLE   12,274 0 1,062
ISHARES TR ISHS 5-10YR INVT 464288638 804 13,014 SH   SOLE   12,034 0 980
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,090 12,307 SH   SOLE   11,242 0 1,065
BK OF AMERICA CORP COM 060505104 373 12,300 SH   SOLE   11,900 0 400
ISHARES TR IBOXX INV CP ETF 464287242 1,595 11,544 SH   SOLE   8,504 0 3,040
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 442 10,412 SH   SOLE   10,412 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,553 9,661 SH   SOLE   8,736 0 925
APPLE INC COM 037833100 1,243 9,368 SH   SOLE   7,810 0 1,558
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,078 2,884 SH   SOLE   1,552 0 1,332
AMAZON COM INC COM 023135106 938 288 SH   SOLE   246 0 42
SALESFORCE COM INC COM 79466L302 741 3,330 SH   SOLE   3,125 0 205
ISHARES TR IBOXX HI YD ETF 464288513 577 6,615 SH   SOLE   5,149 0 1,466
UNITEDHEALTH GROUP INC COM 91324P102 519 1,480 SH   SOLE   1,480 0 0
MICROSOFT CORP COM 594918104 512 2,300 SH   SOLE   2,300 0 0
MONDELEZ INTL INC CL A 609207105 495 8,459 SH   SOLE   8,459 0 0
ALPHABET INC CAP STK CL A 02079K305 480 274 SH   SOLE   209 0 65
VISA INC COM CL A 92826C839 470 2,150 SH   SOLE   2,150 0 0
PALO ALTO NETWORKS INC COM 697435105 462 1,300 SH   SOLE   1,300 0 0
NOVARTIS AG SPONSORED ADR 66987V109 460 4,875 SH   SOLE   4,875 0 0
CVS HEALTH CORP COM 126650100 454 6,650 SH   SOLE   6,650 0 0
PHILIP MORRIS INTL INC COM 718172109 402 4,860 SH   SOLE   4,860 0 0
TYSON FOODS INC CL A 902494103 383 5,950 SH   SOLE   5,950 0 0
WORKDAY INC CL A 98138H101 383 1,600 SH   SOLE   1,600 0 0
MARATHON PETE CORP COM 56585A102 364 8,800 SH   SOLE   8,800 0 0
BLACKROCK INC COM 09247X101 361 500 SH   SOLE   500 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 360 5,800 SH   SOLE   5,750 0 50
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 350 5,000 SH   SOLE   5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 342 1,475 SH   SOLE   1,400 0 75
CONSTELLATION BRANDS INC CL A 21036P108 329 1,500 SH   SOLE   1,500 0 0
BECTON DICKINSON & CO COM 075887109 313 1,250 SH   SOLE   1,250 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 311 4,300 SH   SOLE   3,945 0 355
PFIZER INC COM 717081103 304 8,250 SH   SOLE   8,000 0 250
VIACOMCBS INC CL B 92556H206 302 8,100 SH   SOLE   8,100 0 0
SERVICENOW INC COM 81762P102 289 525 SH   SOLE   525 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 271 3,188 SH   SOLE   1,797 0 1,391
RAYTHEON TECHNOLOGIES CORP COM 75513E101 270 3,779 SH   SOLE   3,779 0 0
FIRSTENERGY CORP COM 337932107 269 8,800 SH   SOLE   8,800 0 0
HUBBELL INC COM 443510607 267 1,700 SH   SOLE   1,700 0 0
APPLIED MATLS INC COM 038222105 259 3,000 SH   SOLE   3,000 0 0
ENBRIDGE INC COM 29250N105 250 7,800 SH   SOLE   7,800 0 0
DUPONT DE NEMOURS INC COM 26614N102 242 3,400 SH   SOLE   3,400 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 241 6,369 SH   SOLE   5,734 0 635
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 237 6,569 SH   SOLE   4,425 0 2,144
CINCINNATI FINL CORP COM 172062101 218 2,500 SH   SOLE   2,500 0 0
VMWARE INC CL A COM 928563402 210 1,500 SH   SOLE   1,500 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 205 3,350 SH   SOLE   3,350 0 0