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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGNICO EAGLE MINES L COM 008474108 7,543 117,753 SH   SOLE   7,543 0 0
ALARM COM HLDGS INC COM 011642105 201 3,104 SH   SOLE   201 0 0
ALBEMARLE CORP COM 012653101 3,425 44,369 SH   SOLE   3,425 0 0
AMAZON COM INC COM 023135106 3,644 1,321 SH   SOLE   3,644 0 0
AMGEN INC COM 031162100 1,460 6,193 SH   SOLE   1,460 0 0
ANGLOGOLD ASHANTI LT SPONSORED ADR 035128206 375 12,741 SH   SOLE   375 0 0
APPLE INC COM 037833100 4,420 12,118 SH   SOLE   4,420 0 0
AUTOMATIC DATA PROCE COM 053015103 4,180 28,080 SH   SOLE   4,180 0 0
BK OF AMERICA CORP COM 060505104 5,962 251,044 SH   SOLE   5,962 0 0
BARRICK GOLD CORPORA COM 067901108 6,572 243,983 SH   SOLE   6,572 0 0
BERKSHIRE HATHAWAY I CL B NEW 084670702 13,382 74,970 SH   SOLE   13,382 0 0
BHP GROUP LTD SPONSORED ADS 088606108 9,704 195,149 SH   SOLE   9,704 0 0
BOEING CO COM 097023105 3,755 20,487 SH   SOLE   3,755 0 0
BROOKFIELD ASSET MGM CL A LTD VT SH 112585104 623 18,951 SH   SOLE   623 0 0
CARMAX INC COM 143130102 1,583 17,679 SH   SOLE   1,583 0 0
CHEVRON CORP NEW COM 166764100 7,306 81,884 SH   SOLE   7,306 0 0
CREDIT ACCEP CORP MI COM 225310101 2,866 6,841 SH   SOLE   2,866 0 0
DANAHER CORPORATION COM 235851102 513 2,904 SH   SOLE   513 0 0
DISNEY WALT CO COM DISNEY 254687106 9,341 83,775 SH   SOLE   9,341 0 0
DOLLAR TREE INC COM 256746108 734 7,927 SH   SOLE   734 0 0
FASTENAL CO COM 311900104 217 5,077 SH   SOLE   217 0 0
FRANCO NEVADA CORP COM 351858105 8,748 62,648 SH   SOLE   8,748 0 0
GENERAL MLS INC COM 370334104 242 3,930 SH   SOLE   242 0 0
HOME DEPOT INC COM 437076102 5,236 20,903 SH   SOLE   5,236 0 0
HONEYWELL INTL INC COM 438516106 2,256 15,607 SH   SOLE   2,256 0 0
INTEL CORP COM 458140100 11,465 191,644 SH   SOLE   11,465 0 0
ISHARES GOLD TRUST ISHARES 464285105 25,639 1,509,127 SH   SOLE   25,639 0 0
ISHARES CORE S&P 500 ETF ISHARES 464287200 37 122 SH   SOLE   37 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,275 20,948 SH   SOLE   1,275 0 0
ISHARES TR CORE S&P US VLU 464287663 1,883 36,063 SH   SOLE   1,883 0 0
ISHARES TR CORE S&P US GWT 464287671 2,618 36,422 SH   SOLE   2,618 0 0
JOHNSON & JOHNSON COM 478160104 3,216 22,873 SH   SOLE   3,216 0 0
KINROSS GOLD CORP COM 496902404 506 70,179 SH   SOLE   506 0 0
LIVE NATION ENTERTAI COM 538034109 422 9,541 SH   SOLE   422 0 0
MARKEL CORP COM 570535104 799 866 SH   SOLE   799 0 0
MICROSOFT CORP COM 594918104 2,387 11,732 SH   SOLE   2,387 0 0
MOODYS CORP COM 615369105 2,689 9,790 SH   SOLE   2,689 0 0
NEWMONT CORP COM 651639106 10,638 172,313 SH   SOLE   10,638 0 0
OCCIDENTAL PETE CORP COM 674599105 185 10,127 SH   SOLE   185 0 0
POSCO SPONSORED ADR 693483109 8,228 222,159 SH   SOLE   8,228 0 0
PEPSICO INC COM 713448108 209 1,587 SH   SOLE   209 0 0
PFIZER INC COM 717081103 2,304 70,485 SH   SOLE   2,304 0 0
PIONEER NAT RES CO COM 723787107 222 2,276 SH   SOLE   222 0 0
PROCTER & GAMBLE CO COM 742718109 1,225 10,253 SH   SOLE   1,225 0 0
RIO TINTO PLC SPONSORED ADR 767204100 10,030 178,535 SH   SOLE   10,030 0 0
ROPER TECHNOLOGIES I COM 776696106 1,164 3,000 SH   SOLE   1,164 0 0
ROYAL GOLD INC COM 780287108 6,771 54,468 SH   SOLE   6,771 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 671 9,141 SH   OTR   0 671 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 936 38,443 SH   SOLE   936 0 0
SCHWAB INTERMEDIATE TERMUS TRS ETF US TREAS ETF 808524854 10 182 SH   SOLE   10 0 0
SUNCOR ENERGY INC NE COM 867224107 6,433 381,601 SH   SOLE   6,433 0 0
TJX COS INC NEW COM 872540109 2,412 47,716 SH   SOLE   2,412 0 0
UNITED PARCEL SERVIC CL B 911312106 4,753 42,755 SH   SOLE   4,753 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF VANGAURD ETF 921943858 39 1,029 SH   SOLE   39 0 0
VANGUARD INTL EQUITY FTSE EMR MKT ETF 922042858 41,474 1,047,062 SH   SOLE   41,474 0 0
VANGUARD TOTAL STOCK MARKET ETF VANGAURD ETF 922908769 182 1,165 SH   SOLE   182 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 480 3,071 SH   OTR   0 480 0
WALMART INC COM 931142103 3,512 29,327 SH   SOLE   3,512 0 0
WALGREENS BOOTS ALLI COM 931427108 354 8,367 SH   SOLE   354 0 0
WHEATON PRECIOUS MET COM 962879102 10,106 229,437 SH   SOLE   10,106 0 0
WORLD ACCEP CORP DEL COM 981419104 459 7,007 SH   SOLE   459 0 0
YELP INC CL A 985817105 450 19,497 SH   SOLE   450 0 0
VERISIGN INC COM 92343E102 2,666 12,890 SH   SOLE   2,666 0 0
VALE S A SPONSORED ADS 91912E105 226 21,930 SH   SOLE   226 0 0
ADOBE INC COM 00724F101 884 2,033 SH   SOLE   884 0 0
ALPHABET INC CAP STK CL C 02079K107 6,564 4,644 SH   SOLE   6,564 0 0
AMERICAN TOWER CORP COM 03027X100 3,188 12,333 SH   SOLE   3,188 0 0
ANSYS INC COM 03662Q105 238 817 SH   SOLE   238 0 0
BLACKROCK INC COM 09247X101 7,204 13,241 SH   SOLE   7,204 0 0
BOOKING HLDGS INC COM 09857L108 3,012 1,892 SH   SOLE   3,012 0 0
CBOE GLOBAL MARKETS COM 12503M108 2,814 30,169 SH   SOLE   2,814 0 0
CME GROUP INC COM 12572Q105 2,655 16,336 SH   SOLE   2,655 0 0
CISCO SYS INC COM 17275R102 4,065 87,168 SH   SOLE   4,065 0 0
CONOCOPHILLIPS COM 20825C104 7,284 173,348 SH   SOLE   7,284 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,477 8,172 SH   SOLE   2,477 0 0
COSTAR GROUP INC COM 22160N109 545 768 SH   SOLE   545 0 0
EOG RES INC COM 26875P101 219 4,329 SH   SOLE   219 0 0
EXXON MOBIL CORP COM 30231G102 6,142 137,356 SH   SOLE   6,142 0 0
FACEBOOK INC CL A 30303M102 10,061 44,309 SH   SOLE   10,061 0 0
HESS CORP COM 42809H107 222 4,293 SH   SOLE   222 0 0
ISHARES CORE MSCI EAFE ETF ISHARES 46432F842 10 190 SH   SOLE   10 0 0
ISHARES INC CORE MSCI EMKT 46434G103 320 6,728 SH   SOLE   320 0 0
ISHARES INC CORE MSCI EMKT 46434G103 742 15,591 SH   OTR   0 742 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ISHARES 46434G848 111 4,528 SH   SOLE   111 0 0
JPMORGAN CHASE & CO COM 46625H100 8,035 85,425 SH   SOLE   8,035 0 0
KKR & CO INC CL A 48251W104 772 25,015 SH   SOLE   772 0 0
MASTERCARD INC CL A 57636Q104 3,001 10,151 SH   SOLE   3,001 0 0
MERCK & CO. INC COM 58933Y105 400 5,178 SH   SOLE   400 0 0
O REILLY AUTOMOTIVE COM 67103H107 1,364 3,237 SH   SOLE   1,364 0 0
SBA COMMUNICATIONS C CL A 78410G104 1,282 4,304 SH   SOLE   1,282 0 0
SPDR S&P 500 ETF SPDR ETF 78462F103 56 183 SH   SOLE   56 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 242 1,449 SH   SOLE   242 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 510 3,050 SH   OTR   0 510 0
SPDR SER TR S&P METALS MNG 78464A755 624 29,451 SH   SOLE   624 0 0
SELECT SECTOR HEALTH CARE SPDR ETF SPDR ETF 81369Y209 4 40 SH   SOLE   4 0 0
SPDR FUND CONSUMER STAPLES ETF SPDR ETF 81369Y308 3 64 SH   SOLE   3 0 0
ENERGY SELECT SECTOR SPDR ETF SPDR ETF 81369Y506 35 932 SH   SOLE   35 0 0
SOUTHERN COPPER CORP COM 84265V105 9,502 238,930 SH   SOLE   9,502 0 0
3M CO COM 88579Y101 3,269 20,959 SH   SOLE   3,269 0 0
UNITEDHEALTH GROUP I COM 91324P102 3,209 10,882 SH   SOLE   3,209 0 0
VANECK VECTORS GOLD MINERS ETF VANECK ETF 92189F106 175 4,788 SH   SOLE   175 0 0
VANGUARD CONSUMER STAPLES ETF VANGAURD ETF 92204A207 0 1 SH   SOLE   0 0 0
VANGUARD ENERGY ETF VANGAURD ETF 92204A306 68 1,368 SH   SOLE   68 0 0
VANGUARD UTILITIES ETF VANGAURD ETF 92204A876 4 33 SH   SOLE   4 0 0
VANGUARD SCOTTSDALE INTER TERM TREAS 92206C706 213 3,020 SH   OTR   0 213 0
VANGUARD LONG TERM TREASURY ETF VANGAURD ETF 92206C847 251 2,510 SH   SOLE   251 0 0
VERIZON COMMUNICATIO COM 92343V104 2,984 54,134 SH   SOLE   2,984 0 0
VERISK ANALYTICS INC COM 92345Y106 733 4,310 SH   SOLE   733 0 0
VISA INC COM CL A 92826C839 1,780 9,215 SH   SOLE   1,780 0 0
WAYFAIR INC CL A 94419L101 3,385 17,131 SH   SOLE   3,385 0 0
CIMPRESS PLC SHS EURO G2143T103 1,031 13,513 SH   SOLE   1,031 0 0
CHUBB LIMITED COM H1467J104 2,854 22,544 SH   SOLE   2,854 0 0