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
MEDTRONIC PLC SHS G5960L103 3,130 34,877 SH   SOLE   3,130 0 0
CIMPRESS PLC SHS EURO G2143T103 617 15,862 SH   SOLE   617 0 0
WAYFAIR INC CL A 94419L101 668 15,331 SH   SOLE   668 0 0
VISA INC COM CL A 92826C839 6,297 31,981 SH   SOLE   6,297 0 0
VERISK ANALYTICS INC COM 92345Y106 752 4,345 SH   SOLE   752 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 7,589 149,540 SH   SOLE   7,589 0 0
VANGUARD UTILITIES ETF IV ETF 92204A876 12 82 SH   SOLE   12 0 0
VANGUARD HEALTH CARE ETF IV ETF 92204A504 12 53 SH   SOLE   12 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,000 20,104 SH   SOLE   2,000 0 0
VANGUARD CONSUMER STAPLES ETF IV ETF 92204A207 13 68 SH   SOLE   13 0 0
VANECK GOLD MINERS ETF ETF 92189F106 21 785 SH   SOLE   21 0 0
UNITEDHEALTH GROUP INC COM 91324P102 5,551 10,807 SH   SOLE   5,551 0 0
TC ENERGY CORP COM 87807B107 9,691 187,057 SH   SOLE   9,691 0 0
SOUTHERN COPPER CORP COM 84265V105 4,366 87,657 SH   SOLE   4,366 0 0
SALESFORCE COM INC COM 79466L302 1,022 6,195 SH   SOLE   1,022 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,166 26,877 SH   SOLE   1,166 0 0
SPDR GOLD TR GOLD SHS 78463V107 841 4,995 SH   SOLE   841 0 0
SPDR GOLD TR GOLD SHS 78463V107 514 3,050 SH   SOLE   0 514 0
PAYPAL HLDGS INC COM 70450Y103 410 5,872 SH   SOLE   410 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 3,102 341,975 SH   SOLE   3,102 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 1,719 2,721 SH   SOLE   1,719 0 0
MERCK & CO. INC COM 58933Y105 308 3,379 SH   SOLE   308 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3,547 11,243 SH   SOLE   3,547 0 0
KKR & CO INC COM 48251W104 1,210 26,140 SH   SOLE   1,210 0 0
JPMORGAN CHASE & CO COM 46625H100 4,890 43,426 SH   SOLE   4,890 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103 2,041 113,003 SH   SOLE   2,041 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848 35 992 SH   SOLE   35 0 0
ISHARES INC CORE MSCI EMKT 46434G103 39,945 814,246 SH   SOLE   39,945 0 0
ISHARES INC CORE MSCI EMKT 46434G103 794 16,187 SH   SOLE   0 794 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 271 2,669 SH   SOLE   271 0 0
HESS CORP COM 42809H107 455 4,293 SH   SOLE   455 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 10,689 596,801 SH   SOLE   10,689 0 0
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 15,214 848,573 SH   SOLE   15,214 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 202 680 SH   SOLE   202 0 0
FREEPORT-MCMORAN INC CL B 35671D857 2,010 68,680 SH   SOLE   2,010 0 0
EXXON MOBIL CORP COM 30231G102 604 7,048 SH   SOLE   604 0 0
ENBRIDGE INC COM 29250N105 10,502 248,521 SH   SOLE   10,502 0 0
EOG RES INC COM 26875P101 437 3,958 SH   SOLE   437 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,875 26,816 SH   SOLE   2,875 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 371 9,234 SH   SOLE   371 0 0
DIGITALBRIDGE GROUP INC CL A COM 25401T108 89 18,178 SH   SOLE   89 0 0
COSTAR GROUP INC COM 22160N109 1,039 17,201 SH   SOLE   1,039 0 0
COSTCO WHSL CORP NEW COM 22160K105 8,011 16,715 SH   SOLE   8,011 0 0
CONOCOPHILLIPS COM 20825C104 1,593 17,743 SH   SOLE   1,593 0 0
CISCO SYS INC COM 17275R102 3,037 71,226 SH   SOLE   3,037 0 0
CHENIERE ENERGY INC COM NEW 16411R208 2,872 21,592 SH   SOLE   2,872 0 0
CME GROUP INC COM 12572Q105 1,049 5,127 SH   SOLE   1,049 0 0
CBOE GLOBAL MKTS INC COM 12503M108 589 5,200 SH   SOLE   589 0 0
BOOKING HOLDINGS INC COM 09857L108 672 384 SH   SOLE   672 0 0
BLACKROCK INC COM 09247X101 4,497 7,384 SH   SOLE   4,497 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,183 34,000 SH   SOLE   1,183 0 0
ANSYS INC COM 03662Q105 259 1,083 SH   SOLE   259 0 0
AMERICAN TOWER CORP NEW COM 03027X100 3,086 12,074 SH   SOLE   3,086 0 0
ALPHABET INC CAP STK CL A 02079K305 218 100 SH   SOLE   218 0 0
ALPHABET INC CAP STK CL C 02079K107 5,637 2,577 SH   SOLE   5,637 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,175 3,211 SH   SOLE   1,175 0 0
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 175 10,083 SH   SOLE   175 0 0
ABBVIE INC COM 00287Y109 267 1,743 SH   SOLE   267 0 0
VALE S A SPONSORED ADS 91912E105 321 21,930 SH   SOLE   321 0 0
VERISIGN INC COM 92343E102 5,870 35,083 SH   SOLE   5,870 0 0
YELP INC CL A 985817105 326 11,739 SH   SOLE   326 0 0
WORLD ACCEP CORPORATION COM 981419104 934 8,320 SH   SOLE   934 0 0
WILLIAMS COS INC COM 969457100 11,046 353,924 SH   SOLE   11,046 0 0
WALMART INC COM 931142103 7,750 63,747 SH   SOLE   7,750 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,762 19,947 SH   SOLE   3,762 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 237 1,255 SH   OTR   0 237 0
VANGUARD INDEX FDS MID CAP ETF 922908629 542 2,750 SH   SOLE   542 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 399 2,660 SH   SOLE   399 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 216 2,372 SH   SOLE   216 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 211 607 SH   SOLE   211 0 0
VAPOTHERM INC COM 922107107 28 10,998 SH   SOLE   28 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,206 136,418 SH   SOLE   7,206 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 5,773 90,949 SH   SOLE   5,773 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 42,003 1,008,502 SH   SOLE   42,003 0 0
VANGUARD EMERGING MARKETS STOCK INDEX FUND ETF 922042858 48 1,158 SH   SOLE   48 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 228 2,673 SH   SOLE   228 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,373 33,646 SH   SOLE   1,373 0 0
VANGUARD FTSE DEVELOPED MKTS ETF IV ETF 921943858 35 869 SH   SOLE   35 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 379 2,879 SH   SOLE   379 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,291 9,000 SH   SOLE   1,291 0 0
UNITED PARCEL SERVICE INC CL B 911312106 4,515 24,737 SH   SOLE   4,515 0 0
UNION PAC CORP COM 907818108 249 1,167 SH   SOLE   249 0 0
US BANCORP DEL COM NEW 902973304 467 10,151 SH   SOLE   467 0 0
SUNCOR ENERGY INC NEW COM 867224107 744 21,224 SH   SOLE   744 0 0
SEMPRA ENERGY COM 816851109 2,879 19,158 SH   SOLE   2,879 0 0
SCHWAB STRATEGIC TR ETF 808524854 114 2,203 SH   SOLE   114 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 976 38,443 SH   SOLE   976 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 472 10,686 SH   SOLE   472 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 832 18,836 SH   OTR   0 832 0
ROPER TECHNOLOGIES INC COM 776696106 1,148 2,909 SH   SOLE   1,148 0 0
RIO TINTO PLC SPONSORED ADR 767204100 9,580 157,053 SH   SOLE   9,580 0 0
PROCTER AND GAMBLE CO COM 742718109 1,444 10,043 SH   SOLE   1,444 0 0
PIONEER NAT RES CO COM 723787107 463 2,075 SH   SOLE   463 0 0
PHILIP MORRIS INTL INC COM 718172109 273 2,763 SH   SOLE   273 0 0
PFIZER INC COM 717081103 9,202 175,505 SH   SOLE   9,202 0 0
PEPSICO INC COM 713448108 264 1,587 SH   SOLE   264 0 0
POSCO HOLDINGS SPONSORED ADR 693483109 8,714 195,734 SH   SOLE   8,714 0 0
OCCIDENTAL PETE CORP COM 674599105 434 7,378 SH   SOLE   434 0 0
NEWMONT CORP COM 651639106 794 13,303 SH   SOLE   794 0 0
MOODYS CORP COM 615369105 2,684 9,870 SH   SOLE   2,684 0 0
MICROSOFT CORP COM 594918104 9,218 35,892 SH   SOLE   9,218 0 0
MCDONALDS CORP COM 580135101 2,973 12,041 SH   SOLE   2,973 0 0
JOHNSON & JOHNSON COM 478160104 8,592 48,402 SH   SOLE   8,592 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,432 15,785 SH   SOLE   3,432 0 0
ISHARES TR CORE S&P US GWT 464287671 2,573 30,746 SH   SOLE   2,573 0 0
ISHARES TR CORE S&P US VLU 464287663 2,626 39,258 SH   SOLE   2,626 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 778 3,770 SH   SOLE   778 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,561 24,978 SH   SOLE   1,561 0 0
ISHARES TR TIPS BD ETF 464287176 938 8,238 SH   SOLE   938 0 0
ISHARES GOLD TR ETF 464285204 45 1,304 SH   SOLE   45 0 0
ISHARES GOLD TR ISHARES NEW 464285105 35,943 1,047,588 SH   SOLE   35,943 0 0
INTEL CORP COM 458140100 4,885 130,583 SH   SOLE   4,885 0 0
HONEYWELL INTL INC COM 438516106 2,973 17,104 SH   SOLE   2,973 0 0
HOME DEPOT INC COM 437076102 4,471 16,301 SH   SOLE   4,471 0 0
FRANCO NEV CORP COM 351858105 423 3,215 SH   SOLE   423 0 0
DISNEY WALT CO COM 254687106 3,827 40,542 SH   SOLE   3,827 0 0
DANAHER CORPORATION COM 235851102 737 2,909 SH   SOLE   737 0 0
CREDIT ACCEP CORP MICH COM 225310101 3,510 7,414 SH   SOLE   3,510 0 0
CHEVRON CORP NEW COM 166764100 834 5,759 SH   SOLE   834 0 0
CATERPILLAR INC COM 149123101 215 1,205 SH   SOLE   215 0 0
CARMAX INC COM 143130102 1,459 16,120 SH   SOLE   1,459 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,007 22,641 SH   SOLE   1,007 0 0
BOEING CO COM 097023105 2,803 20,505 SH   SOLE   2,803 0 0
BHP GROUP LTD SPONSORED ADS 088606108 10,919 194,363 SH   SOLE   10,919 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,940 36,408 SH   SOLE   9,940 0 0
BARRICK GOLD CORP COM 067901108 410 23,157 SH   SOLE   410 0 0
BK OF AMERICA CORP COM 060505104 364 11,708 SH   SOLE   364 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,387 20,887 SH   SOLE   4,387 0 0
APPLE INC COM 037833100 7,496 54,829 SH   SOLE   7,496 0 0
AMGEN INC COM 031162100 4,630 19,030 SH   SOLE   4,630 0 0
AMAZON COM INC COM 023135106 6,952 65,452 SH   SOLE   6,952 0 0
ALBEMARLE CORP COM 012653101 4,976 23,809 SH   SOLE   4,976 0 0