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
ABBOTT LABS COM 002824100   495,678 5,118 SH   SOLE   495,678 0 0
ABBVIE INC COM 00287Y109   283,959 1,905 SH   SOLE   283,959 0 0
ALBEMARLE CORP COM 012653101   6,051,384 35,588 SH   SOLE   6,051,384 0 0
ALPHABET INC CAP STK CL C 02079K107   5,292,459 40,140 SH   SOLE   5,292,459 0 0
AMAZON COM INC COM 023135106   2,819,140 22,177 SH   SOLE   2,819,140 0 0
AMGEN INC COM 031162100   5,077,951 18,894 SH   SOLE   5,077,951 0 0
APPLE INC COM 037833100   7,070,802 41,299 SH   SOLE   7,070,802 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,487,597 10,340 SH   SOLE   2,487,597 0 0
BANK AMERICA CORP COM 060505104   842,045 30,754 SH   SOLE   842,045 0 0
BARRICK GOLD CORP COM 067901108   344,893 23,704 SH   SOLE   344,893 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   16,460,247 46,989 SH   SOLE   16,460,247 0 0
BHP GROUP LTD SPONSORED ADS 088606108   7,810,307 137,312 SH   SOLE   7,810,307 0 0
BLACKROCK INC COM 09247X101   2,795,423 4,324 SH   SOLE   2,795,423 0 0
BOEING CO COM 097023105   2,301,693 12,008 SH   SOLE   2,301,693 0 0
BOOKING HOLDINGS INC COM 09857L108   1,967,560 638 SH   SOLE   1,967,560 0 0
CANADIAN NAT RES LTD COM 136385101   3,806,347 58,858 SH   SOLE   3,806,347 0 0
CATERPILLAR INC COM 149123101   328,965 1,205 SH   SOLE   328,965 0 0
CHENIERE ENERGY INC COM NEW 16411R208   9,925,736 59,808 SH   SOLE   9,925,736 0 0
CHEVRON CORP NEW COM 166764100   3,915,694 23,222 SH   SOLE   3,915,694 0 0
CISCO SYS INC COM 17275R102   2,104,274 39,142 SH   SOLE   2,104,274 0 0
COMCAST CORP NEW CL A 20030N101   275,662 6,217 SH   SOLE   275,662 0 0
CONOCOPHILLIPS COM 20825C104   5,328,225 44,476 SH   SOLE   5,328,225 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,813,522 3,210 SH   SOLE   1,813,522 0 0
CREDIT ACCEP CORP MICH COM 225310101   258,127 561 SH   SOLE   258,127 0 0
DANAHER CORPORATION COM 235851102   909,287 3,665 SH   SOLE   909,287 0 0
DEERE & CO COM 244199105   246,807 654 SH   SOLE   246,807 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   321,418 7,035 SH   SOLE   321,418 0 0
DISNEY WALT CO COM 254687106   1,755,705 21,662 SH   SOLE   1,755,705 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   337,330 3,822 SH   SOLE   337,330 0 0
ENBRIDGE INC COM 29250N105   8,910,167 267,682 SH   SOLE   8,910,167 0 0
EOG RES INC COM 26875P101   501,716 3,958 SH   SOLE   501,716 0 0
EXXON MOBIL CORP COM 30231G102   1,174,389 9,988 SH   SOLE   1,174,389 0 0
FRANCO NEV CORP COM 351858105   429,170 3,215 SH   SOLE   429,170 0 0
FREEPORT-MCMORAN INC CL B 35671D857   5,197,145 139,371 SH   SOLE   5,197,145 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   220,028 680 SH   SOLE   220,028 0 0
HESS CORP COM 42809H107   656,829 4,293 SH   SOLE   656,829 0 0
HOME DEPOT INC COM 437076102   3,811,144 12,613 SH   SOLE   3,811,144 0 0
HONEYWELL INTL INC COM 438516106   1,981,891 10,728 SH   SOLE   1,981,891 0 0
INTEL CORP COM 458140100   2,367,737 66,603 SH   SOLE   2,367,737 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103   11,719,735 635,216 SH   SOLE   11,719,735 0 0
ISHARES GOLD TR ISHARES NEW 464285204   5,826,010 166,505 SH   SOLE   5,826,010 0 0
ISHARES GOLD TR ISHARES NEW 464285204   41,428 1,184 SH   SOLE   41,428 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   4,493,587 112,973 SH   SOLE   4,493,587 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   54,074 1,360 SH   SOLE   54,074 0 0
ISHARES INC CORE MSCI EMKT 46434G103   303,434 6,376 SH   SOLE   303,434 0 0
ISHARES INC CORE MSCI EMKT 46434G103   495,659 10,415 SH   OTR   0 495,659 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   19,116,775 197,242 SH   SOLE   19,116,775 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   345,719 3,496 SH   SOLE   345,719 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   3,245,575 13,244 SH   SOLE   3,245,575 0 0
ISHARES TR CORE S&P US GWT 464287671   2,614,842 27,574 SH   SOLE   2,614,842 0 0
ISHARES TR CORE S&P US VLU 464287663   2,660,800 35,658 SH   SOLE   2,660,800 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,443,736 20,948 SH   SOLE   1,443,736 0 0
ISHARES TR TIPS BD ETF 464287176   3,655,715 35,246 SH   SOLE   3,655,715 0 0
JOHNSON & JOHNSON COM 478160104   5,285,999 33,939 SH   SOLE   5,285,999 0 0
JPMORGAN CHASE & CO COM 46625H100   4,724,172 32,576 SH   SOLE   4,724,172 0 0
KINROSS GOLD CORP COM 496902404   59,198 12,982 SH   SOLE   59,198 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,813,801 9,633 SH   SOLE   3,813,801 0 0
MCDONALDS CORP COM 580135101   963,400 3,657 SH   SOLE   963,400 0 0
MEDTRONIC PLC SHS G5960L103   1,826,101 23,304 SH   SOLE   1,826,101 0 0
MERCK & CO INC COM 58933Y105   347,868 3,379 SH   SOLE   347,868 0 0
META PLATFORMS INC CL A 30303M102   205,944 686 SH   SOLE   205,944 0 0
MICROSOFT CORP COM 594918104   6,063,979 19,205 SH   SOLE   6,063,979 0 0
NEWMONT CORP COM 651639106   359,597 9,732 SH   SOLE   359,597 0 0
OCCIDENTAL PETE CORP COM 674599105   478,685 7,378 SH   SOLE   478,685 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   3,777,472 236,092 SH   SOLE   3,777,472 0 0
PAYPAL HLDGS INC COM 70450Y103   775,472 13,265 SH   SOLE   775,472 0 0
PEPSICO INC COM 713448108   268,901 1,587 SH   SOLE   268,901 0 0
PFIZER INC COM 717081103   2,783,195 83,907 SH   SOLE   2,783,195 0 0
PHILIP MORRIS INTL INC COM 718172109   287,553 3,106 SH   SOLE   287,553 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   1,924,749 36,627 SH   SOLE   1,924,749 0 0
PIONEER NAT RES CO COM 723787107   476,316 2,075 SH   SOLE   476,316 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109   5,744,920 56,048 SH   SOLE   5,744,920 0 0
PROCTER AND GAMBLE CO COM 742718109   1,040,857 7,136 SH   SOLE   1,040,857 0 0
RIO TINTO PLC SPONSORED ADR 767204100   7,968,364 125,210 SH   SOLE   7,968,364 0 0
SCHLUMBERGER LTD COM STK 806857108   733,997 12,590 SH   SOLE   733,997 0 0
SCHWAB CHARLES CORP COM 808513105   714,908 13,022 SH   SOLE   714,908 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524862   48,397,591 958,639 SH   SOLE   48,397,591 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,907,655 165,119 SH   SOLE   7,907,655 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524862   94,517 1,872 SH   SOLE   94,517 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   20,435,780 426,282 SH   SOLE   20,435,780 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   66,253 1,382 SH   SOLE   66,253 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   920,325 38,443 SH   SOLE   920,325 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   567,329 11,381 SH   OTR   0 567,329 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,072,387 11,864 SH   SOLE   1,072,387 0 0
SEMPRA COM 816851109   565,057 8,306 SH   SOLE   565,057 0 0
SOUTHERN COPPER CORP COM 84265V105   5,093,670 67,654 SH   SOLE   5,093,670 0 0
SPDR GOLD TR GOLD SHS 78463V107   856,393 4,995 SH   SOLE   856,393 0 0
SPDR GOLD TR GOLD SHS 78463V107   522,923 3,050 SH   OTR   0 522,923 0
SPDR SER TR S&P METALS MNG 78464A755   1,411,043 26,877 SH   SOLE   1,411,043 0 0
SPDR SER TR S&P METALS MNG 78464A755   13,125 250 SH   SOLE   13,125 0 0
SUNCOR ENERGY INC NEW COM 867224107   729,681 21,224 SH   SOLE   729,681 0 0
TC ENERGY CORP COM 87807B107   8,752,906 254,371 SH   SOLE   8,752,906 0 0
TJX COS INC NEW COM 872540109   294,726 3,316 SH   SOLE   294,726 0 0
UNION PAC CORP COM 907818108   237,636 1,167 SH   SOLE   237,636 0 0
UNITED PARCEL SERVICE INC CL B 911312106   2,648,075 16,989 SH   SOLE   2,648,075 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,811,172 7,559 SH   SOLE   3,811,172 0 0
US BANCORP DEL COM NEW 902973304   387,695 11,727 SH   SOLE   387,695 0 0
VALE S A SPONSORED ADS 91912E105   4,950,040 369,406 SH   SOLE   4,950,040 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 922908737   468,988 5,366 SH   SOLE   468,988 0 0
VANGUARD FDS ETF 81369Y886   118 2 SH   SOLE   118 0 0
VANGUARD FDS ETF 81369Y308   3,234 47 SH   SOLE   3,234 0 0
VANGUARD FDS ETF 81369Y209   386 3 SH   SOLE   386 0 0
VANGUARD FDS ETF 464287200   15,459 36 SH   SOLE   15,459 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   31,117,987 146,500 SH   SOLE   31,117,987 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   329,448 1,551 SH   OTR   0 329,448 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   158,458 746 SH   SOLE   158,458 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,049,946 5,042 SH   SOLE   1,049,946 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   424,243 2,660 SH   SOLE   424,243 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   805,857 2,052 SH   SOLE   805,857 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,020,719 190,242 SH   SOLE   11,020,719 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   16,184,683 241,932 SH   SOLE   16,184,683 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   249,349 3,727 SH   OTR   0 249,349 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,054,413 460,454 SH   SOLE   18,054,413 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C409   3,182,501 57,335 SH   SOLE   3,182,501 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C409   9,048 163 SH   SOLE   9,048 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   15,223,550 284,446 SH   SOLE   15,223,550 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   55,875 1,044 SH   SOLE   55,875 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   437,234 2,879 SH   SOLE   437,234 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,796,618 29,764 SH   SOLE   3,796,618 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   27,931 219 SH   SOLE   27,931 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,023,976 8,609 SH   SOLE   2,023,976 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   14,341 61 SH   SOLE   14,341 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   10,100,037 79,691 SH   SOLE   10,100,037 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   103,673 818 SH   SOLE   103,673 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,115,019 22,534 SH   SOLE   4,115,019 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   25,939 142 SH   SOLE   25,939 0 0
VERISIGN INC COM 92343E102   571,337 2,821 SH   SOLE   571,337 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,762,953 85,250 SH   SOLE   2,762,953 0 0
VISA INC COM CL A 92826C839   4,048,176 17,600 SH   SOLE   4,048,176 0 0
WALMART INC COM 931142103   6,720,419 42,021 SH   SOLE   6,720,419 0 0
WILLIAMS COS INC COM 969457100   10,315,642 306,193 SH   SOLE   10,315,642 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   310,340 13,325 SH   SOLE   310,340 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   51,913,529 1,416,081 SH   SOLE   51,913,529 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   52,241 1,425 SH   SOLE   52,241 0 0