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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   563,338 5,118 SH   SOLE   563,338 0 0
ABBVIE INC COM 00287Y109   302,966 1,955 SH   SOLE   302,966 0 0
AGNICO EAGLE MINES LTD COM 008474108   207,827 3,789 SH   SOLE   207,827 0 0
ALBEMARLE CORP COM 012653101   5,827,745 40,336 SH   SOLE   5,827,745 0 0
ALPHABET INC CAP STK CL C 02079K107   5,656,930 40,140 SH   SOLE   5,656,930 0 0
AMAZON COM INC COM 023135106   3,377,170 22,227 SH   SOLE   3,377,170 0 0
AMGEN INC COM 031162100   5,441,850 18,894 SH   SOLE   5,441,850 0 0
APPLE INC COM 037833100   7,278,597 37,805 SH   SOLE   7,278,597 0 0
AT&T INC COM 00206R102   368,153 21,940 SH   SOLE   368,153 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,408,910 10,340 SH   SOLE   2,408,910 0 0
BANK AMERICA CORP COM 060505104   1,035,487 30,754 SH   SOLE   1,035,487 0 0
BARRICK GOLD CORP COM 067901108   428,805 23,704 SH   SOLE   428,805 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   17,632,914 49,439 SH   SOLE   17,632,914 0 0
BHP GROUP LTD SPONSORED ADS 088606108   9,477,261 138,739 SH   SOLE   9,477,261 0 0
BLACKROCK INC COM 09247X101   3,510,223 4,324 SH   SOLE   3,510,223 0 0
BOEING CO COM 097023105   3,130,005 12,008 SH   SOLE   3,130,005 0 0
BOOKING HOLDINGS INC COM 09857L108   780,388 220 SH   SOLE   780,388 0 0
CANADIAN NAT RES LTD COM 136385101   3,856,376 58,858 SH   SOLE   3,856,376 0 0
CATERPILLAR INC COM 149123101   356,282 1,205 SH   SOLE   356,282 0 0
CHENIERE ENERGY INC COM NEW 16411R208   10,755,754 63,006 SH   SOLE   10,755,754 0 0
CHEVRON CORP NEW COM 166764100   3,463,794 23,222 SH   SOLE   3,463,794 0 0
CISCO SYS INC COM 17275R102   1,977,454 39,142 SH   SOLE   1,977,454 0 0
COMCAST CORP NEW CL A 20030N101   272,615 6,217 SH   SOLE   272,615 0 0
CONOCOPHILLIPS COM 20825C104   5,162,329 44,476 SH   SOLE   5,162,329 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,118,857 3,210 SH   SOLE   2,118,857 0 0
CREDIT ACCEP CORP MICH COM 225310101   298,862 561 SH   SOLE   298,862 0 0
DANAHER CORPORATION COM 235851102   847,861 3,665 SH   SOLE   847,861 0 0
DEERE & CO COM 244199105   261,515 654 SH   SOLE   261,515 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   369,530 7,062 SH   SOLE   369,530 0 0
DISNEY WALT CO COM 254687106   1,743,951 19,315 SH   SOLE   1,743,951 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   370,887 3,822 SH   SOLE   370,887 0 0
ENBRIDGE INC COM 29250N105   9,956,829 276,425 SH   SOLE   9,956,829 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   884,280 33,559 SH   SOLE   884,280 0 0
EOG RES INC COM 26875P101   731,748 6,050 SH   SOLE   731,748 0 0
EXXON MOBIL CORP COM 30231G102   998,600 9,988 SH   SOLE   998,600 0 0
FRANCO NEV CORP COM 351858105   356,254 3,215 SH   SOLE   356,254 0 0
FREEPORT-MCMORAN INC CL B 35671D857   6,191,509 145,443 SH   SOLE   6,191,509 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   262,324 680 SH   SOLE   262,324 0 0
Health Care Select Sector SPDR Fund HEALTH CAR ETF 81369Y209   546 4 SH   SOLE   546 0 0
HESS CORP COM 42809H107   618,879 4,293 SH   SOLE   618,879 0 0
HOME DEPOT INC COM 437076102   4,371,035 12,613 SH   SOLE   4,371,035 0 0
HONEYWELL INTL INC COM 438516106   2,211,602 10,546 SH   SOLE   2,211,602 0 0
INTEL CORP COM 458140100   3,346,801 66,603 SH   SOLE   3,346,801 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103   12,512,172 607,387 SH   SOLE   12,512,172 0 0
ISHARES GOLD TR ISHARES NEW 464285204   6,506,886 166,715 SH   SOLE   6,506,886 0 0
ISHARES GOLD TR ISHARES NEW 464285204   43,167 1,106 SH   SOLE   43,167 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   4,879,359 113,259 SH   SOLE   4,879,359 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   57,585 1,337 SH   SOLE   57,585 0 0
ISHARES INC CORE MSCI EMKT 46434G103   322,498 6,376 SH   SOLE   322,498 0 0
ISHARES INC CORE MSCI EMKT 46434G103   534,018 10,558 SH   OTR   0 534,018 0
ISHARES TR US TREAS BD ETF 46429B267   3,180,856 138,058 SH   SOLE   3,180,856 0 0
ISHARES TR ISHARES BIOTECH 464287556   2,288,496 16,847 SH   SOLE   2,288,496 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   19,630,669 199,114 SH   SOLE   19,630,669 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   356,557 3,496 SH   SOLE   356,557 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   3,625,413 13,244 SH   SOLE   3,625,413 0 0
ISHARES TR CORE S&P US GWT 464287671   2,870,453 27,574 SH   SOLE   2,870,453 0 0
ISHARES TR CORE S&P US VLU 464287663   3,007,039 35,658 SH   SOLE   3,007,039 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,578,432 20,948 SH   SOLE   1,578,432 0 0
ISHARES TR CORE S&P500 ETF 464287200   351,058 735 SH   SOLE   351,058 0 0
ISHARES TR CORE S&P500 ETF 464287200   10,985 23 SH   SOLE   10,985 0 0
JOHNSON & JOHNSON COM 478160104   5,319,599 33,939 SH   SOLE   5,319,599 0 0
JPMORGAN CHASE & CO COM 46625H100   5,546,281 32,606 SH   SOLE   5,546,281 0 0
KINROSS GOLD CORP COM 496902404   78,541 12,982 SH   SOLE   78,541 0 0
MASTERCARD INCORPORATED CL A 57636Q104   4,108,571 9,633 SH   SOLE   4,108,571 0 0
MCDONALDS CORP COM 580135101   1,084,337 3,657 SH   SOLE   1,084,337 0 0
MEDTRONIC PLC SHS G5960L103   1,919,784 23,304 SH   SOLE   1,919,784 0 0
MERCK & CO INC COM 58933Y105   368,379 3,379 SH   SOLE   368,379 0 0
META PLATFORMS INC CL A 30303M102   836,761 2,364 SH   SOLE   836,761 0 0
MICROSOFT CORP COM 594918104   3,872,460 10,298 SH   SOLE   3,872,460 0 0
NEWMONT CORP COM 651639106   402,807 9,732 SH   SOLE   402,807 0 0
OCCIDENTAL PETE CORP COM 674599105   440,540 7,378 SH   SOLE   440,540 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   3,182,322 185,342 SH   SOLE   3,182,322 0 0
PAYPAL HLDGS INC COM 70450Y103   814,604 13,265 SH   SOLE   814,604 0 0
PEPSICO INC COM 713448108   269,536 1,587 SH   SOLE   269,536 0 0
PFIZER INC COM 717081103   2,021,144 70,203 SH   SOLE   2,021,144 0 0
PHILIP MORRIS INTL INC COM 718172109   292,212 3,106 SH   SOLE   292,212 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   1,918,561 33,849 SH   SOLE   1,918,561 0 0
PIONEER NAT RES CO COM 723787107   466,626 2,075 SH   SOLE   466,626 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109   5,101,986 53,643 SH   SOLE   5,101,986 0 0
PROCTER AND GAMBLE CO COM 742718109   1,045,709 7,136 SH   SOLE   1,045,709 0 0
RIO TINTO PLC SPONSORED ADR 767204100   9,703,106 130,313 SH   SOLE   9,703,106 0 0
SCHLUMBERGER LTD COM STK 806857108   655,184 12,590 SH   SOLE   655,184 0 0
SCHWAB CHARLES CORP COM 808513105   1,580,611 22,974 SH   OTR   1,580,611 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524862   47,832,273 916,486 SH   SOLE   47,832,273 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   10,834,775 223,627 SH   SOLE   10,834,775 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524862   100,224 1,920 SH   SOLE   100,224 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   19,907,480 400,379 SH   SOLE   19,907,480 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   70,254 1,413 SH   SOLE   70,254 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   953,002 38,443 SH   SOLE   953,002 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   636,213 11,428 SH   OTR   0 636,213 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,106,604 13,199 SH   SOLE   1,106,604 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   84 1 SH   SOLE   84 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   229,632 3,188 SH   SOLE   229,632 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   3,169 44 SH   SOLE   3,169 0 0
SEMPRA COM 816851109   620,707 8,306 SH   SOLE   620,707 0 0
SOUTHERN COPPER CORP COM 84265V105   7,424,484 86,261 SH   SOLE   7,424,484 0 0
SPDR GOLD TR GOLD SHS 78463V107   964,453 5,045 SH   SOLE   964,453 0 0
SPDR GOLD TR GOLD SHS 78463V107   544,835 2,850 SH   OTR   0 544,835 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   11,075,799 433,156 SH   SOLE   11,075,799 0 0
SPDR SER TR S&P BIOTECH 78464A870   2,563,605 28,711 SH   SOLE   2,563,605 0 0
SPDR SER TR S&P METALS MNG 78464A755   2,282,873 38,156 SH   SOLE   2,282,873 0 0
SPDR SER TR S&P METALS MNG 78464A755   14,838 248 SH   SOLE   14,838 0 0
SUNCOR ENERGY INC NEW COM 867224107   680,017 21,224 SH   SOLE   680,017 0 0
TC ENERGY CORP COM 87807B107   10,394,383 265,909 SH   SOLE   10,394,383 0 0
TJX COS INC NEW COM 872540109   311,074 3,316 SH   SOLE   311,074 0 0
UNION PAC CORP COM 907818108   286,639 1,167 SH   SOLE   286,639 0 0
UNITED PARCEL SERVICE INC CL B 911312106   2,671,180 16,989 SH   SOLE   2,671,180 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,960,634 7,523 SH   SOLE   3,960,634 0 0
US BANCORP DEL COM NEW 902973304   507,545 11,727 SH   SOLE   507,545 0 0
Utilities Select Sector SPDR Fund UTILITIES ETF 81369Y886   190 3 SH   SOLE   190 0 0
VALE S A SPONSORED ADS 91912E105   6,184,274 389,929 SH   SOLE   6,184,274 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 922908737   532,254 5,366 SH   SOLE   532,254 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   36,916,719 155,622 SH   SOLE   36,916,719 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   367,928 1,551 SH   OTR   0 367,928 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   172,696 728 SH   SOLE   172,696 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,172,971 5,042 SH   SOLE   1,172,971 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   478,720 2,660 SH   SOLE   478,720 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   885,158 2,027 SH   SOLE   885,158 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   12,535,408 194,396 SH   SOLE   12,535,408 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   18,669,964 259,322 SH   SOLE   18,669,964 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   273,220 3,795 SH   OTR   0 273,220 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,689,263 430,396 SH   SOLE   17,689,263 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C409   2,288,752 37,197 SH   SOLE   2,288,752 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C409   10,091 164 SH   SOLE   10,091 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   18,236,708 314,643 SH   SOLE   18,236,708 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   60,742 1,048 SH   SOLE   60,742 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   204,060 1,828 SH   SOLE   204,060 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   487,357 2,879 SH   SOLE   487,357 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   4,190,483 30,582 SH   SOLE   4,190,483 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   32,897 240 SH   SOLE   32,897 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,530,315 10,093 SH   SOLE   2,530,315 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   15,293 61 SH   SOLE   15,293 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   9,289,280 79,206 SH   SOLE   9,289,280 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   108,367 924 SH   SOLE   108,367 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,496,137 23,552 SH   SOLE   4,496,137 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   28,835 151 SH   SOLE   28,835 0 0
VERISIGN INC COM 92343E102   581,013 2,821 SH   SOLE   581,013 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,797,453 74,203 SH   SOLE   2,797,453 0 0
VISA INC COM CL A 92826C839   4,582,160 17,600 SH   SOLE   4,582,160 0 0
WALMART INC COM 931142103   6,624,611 42,021 SH   SOLE   6,624,611 0 0
WHEATON PRECIOUS METALS CORP COM 962879102   213,247 4,322 SH   SOLE   213,247 0 0
WILLIAMS COS INC COM 969457100   11,123,239 319,358 SH   SOLE   11,123,239 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   59,186,829 1,446,757 SH   SOLE   59,186,829 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   52,160 1,275 SH   SOLE   52,160 0 0