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
ABERDEEN STD SILVER ETF TR PHYSCL SILVR SHS 003264108 14,065 658,160 SH   OTR   0 0 658,160
BARCLAYS BANK PLC ETN LKD 48 06746P555 12,250 596,391 SH   OTR   0 0 596,391
FLEXSHARES TR M STAR DEV MKT 33939L803 12,299 171,343 SH   OTR   0 0 171,343
GLOBAL X FDS FOUNDER RUN CO 37954Y681 1,249 36,345 SH   OTR   0 0 36,345
GLOBAL X FDS US INFR DEV ETF 37954Y673 5,965 234,735 SH   OTR   0 0 234,735
INVESCO EXCH TRD SLF IDX FD RAFI STRG US SML 46138J734 2,822 74,853 SH   OTR   0 0 74,853
INVESCO QQQ TR UNIT SER 1 46090E103 6,780 18,940 SH   OTR   0 0 18,940
ISHARES GOLD TR ISHARES NEW 464285204 14,721 440,626 SH   OTR   0 0 440,626
ISHARES TR BLACKROCK ULTRA 46434V878 1,880 37,217 SH   OTR   0 0 37,217
ISHARES TR FALN ANGLS USD 46435G474 28,192 936,310 SH   OTR   0 0 936,310
ISHARES TR CONV BD ETF 46435G102 3,629 36,389 SH   OTR   0 0 36,389
ISHARES U S ETF TR INFLATION HEDG 46431W580 4,642 154,871 SH   OTR   0 0 154,871
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 20,076 565,191 SH   OTR   0 0 565,191
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,424 287,067 SH   OTR   0 0 287,067
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,779 211,441 SH   OTR   0 0 211,441
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,330 95,619 SH   OTR   0 0 95,619
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 16,329 302,664 SH   OTR   0 0 302,664
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 29,219 197,307 SH   OTR   0 0 197,307
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,703 114,894 SH   OTR   0 0 114,894
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 42,603 573,852 SH   OTR   0 0 573,852
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,126 334,892 SH   OTR   0 0 334,892
SPDR SER TR RUSSELL YIELD 78468R770 10,626 114,057 SH   OTR   0 0 114,057
SPDR SER TR SPDR S&P1500VL 78464A128 20,947 144,881 SH   OTR   0 0 144,881
SPDR SER TR BLMBRG BRC CNVRT 78464A359 2,702 31,658 SH   OTR   0 0 31,658
SPDR SER TR PORTFLI HIGH YLD 78468R606 12,069 450,851 SH   OTR   0 0 450,851
VANECK ETF TRUST INVESTMENT GRD 92189F486 2,202 86,708 SH   OTR   0 0 86,708
VANGUARD INDEX FDS MID CAP ETF 922908629 15,172 64,083 SH   OTR   0 0 64,083
VANGUARD INDEX FDS SMALL CP ETF 922908751 975 4,458 SH   OTR   0 0 4,458
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,389 8,209 SH   OTR   0 0 8,209
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,384 18,553 SH   OTR   0 0 18,553
VANGUARD INDEX FDS LARGE CAP ETF 922908637 13,292 66,157 SH   OTR   0 0 66,157
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,630 49,589 SH   OTR   0 0 49,589
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 12,497 122,726 SH   OTR   0 0 122,726
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,098 239,609 SH   OTR   0 0 239,609
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 3,093 39,496 SH   OTR   0 0 39,496