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    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>208</value>
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      <Shared>0</Shared>
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    <nameOfIssuer>Amazon.com Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>224</value>
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    <nameOfIssuer>Vanguard Intl Bond Index</nameOfIssuer>
    <titleOfClass>INTL BD IDX ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>3728</value>
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      <sshPrnamt>64079</sshPrnamt>
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    <nameOfIssuer>Invesco BulletShares 2021 Corporate Bond</nameOfIssuer>
    <titleOfClass>BULSHS 2021 CB</titleOfClass>
    <cusip>46138J700</cusip>
    <value>3349</value>
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      <sshPrnamt>157077</sshPrnamt>
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    <nameOfIssuer>Invesco BulletShares 2022 Corporate Bond</nameOfIssuer>
    <titleOfClass>BULSHS 2022 CB</titleOfClass>
    <cusip>46138J882</cusip>
    <value>3410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156139</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>156139</None>
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    <nameOfIssuer>Invesco BulletShares 2023 Corporate Bond</nameOfIssuer>
    <titleOfClass>BULSHS 2023 CB</titleOfClass>
    <cusip>46138J866</cusip>
    <value>3428</value>
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      <sshPrnamt>157331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>Invesco BulletShares 2024 Corporate Bond</nameOfIssuer>
    <titleOfClass>BULSHS 2024 CB</titleOfClass>
    <cusip>46138J841</cusip>
    <value>3442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>155183</None>
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    <nameOfIssuer>First Bancorp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>318910106</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12119</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12119</None>
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    <nameOfIssuer>iShares Gold Trust</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>464285105</cusip>
    <value>6407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>356155</sshPrnamt>
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      <Sole>0</Sole>
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    <nameOfIssuer>John Hancock Multifactor Mid Cap ETF</nameOfIssuer>
    <titleOfClass>MULTIFACTOR MI</titleOfClass>
    <cusip>47804J206</cusip>
    <value>6578</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>174859</None>
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    <nameOfIssuer>JP Morgan Diversified Return International Equity</nameOfIssuer>
    <titleOfClass>DIV RTN INT EQ</titleOfClass>
    <cusip>46641Q209</cusip>
    <value>8143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157780</sshPrnamt>
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      <None>157780</None>
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    <nameOfIssuer>Invesco FTSE RAFI US 1500 Small- Mid</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1500</titleOfClass>
    <cusip>46137V597</cusip>
    <value>7403</value>
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      <None>63224</None>
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    <nameOfIssuer>Invesco QQQ Trust Series 1</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>3830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13785</sshPrnamt>
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      <Shared>0</Shared>
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    <nameOfIssuer>Schwab US TIPS</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>8756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142080</sshPrnamt>
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    <nameOfIssuer>Shopify Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82509L107</cusip>
    <value>205</value>
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      <sshPrnamt>200</sshPrnamt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>200</None>
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    <nameOfIssuer>Vanguard Mortgage Backed Sec Indx ETF</nameOfIssuer>
    <titleOfClass>MORTG-BACK SEC</titleOfClass>
    <cusip>92206C771</cusip>
    <value>4270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78689</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78689</None>
    </votingAuthority>
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    <nameOfIssuer>Vanguard Total Stock Market</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2267</sshPrnamt>
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