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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 15,112 633,616 SH   OTR   0 0 633,616
BARCLAYS BANK PLC ETN LKD 48 06746P555 12,843 542,833 SH   OTR   0 0 542,833
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300 1,368 49,795 SH   OTR   0 0 49,795
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 2,109 68,950 SH   OTR   0 0 68,950
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,065 36,839 SH   OTR   0 0 36,839
FLEXSHARES TR M STAR DEV MKT 33939L803 9,624 141,432 SH   OTR   0 0 141,432
FRANKLIN TEMPLETON ETF TR LIBERTY SR LN 35473P595 15,341 621,724 SH   OTR   0 0 621,724
GLOBAL X FDS FOUNDER RUN CO 37954Y681 845 28,170 SH   OTR   0 0 28,170
GLOBAL X FDS US INFR DEV ETF 37954Y673 6,359 224,855 SH   OTR   0 0 224,855
INVESCO QQQ TR UNIT SER 1 46090E103 5,669 15,637 SH   OTR   0 0 15,637
ISHARES GOLD TR ISHARES NEW 464285204 14,598 396,355 SH   OTR   0 0 396,355
ISHARES INC JP MRG EM CRP BD 464286251 4,453 95,976 SH   OTR   0 0 95,976
ISHARES TR BLACKROCK ULTRA 46434V878 11,018 219,705 SH   OTR   0 0 219,705
ISHARES TR CONV BD ETF 46435G102 2,481 29,775 SH   OTR   0 0 29,775
ISHARES U S ETF TR INFLATION HEDG 46431W580 13,406 461,945 SH   OTR   0 0 461,945
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 16,559 447,891 SH   OTR   0 0 447,891
J P MORGAN EXCHANGE-TRADED F DIVERSFED RTRN 46641Q886 4,853 51,868 SH   OTR   0 0 51,868
J P MORGAN EXCHANGE-TRADED F DIVERSFD EQT ETF 46641Q845 5,181 118,270 SH   OTR   0 0 118,270
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,667 299,857 SH   OTR   0 0 299,857
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,804 231,857 SH   OTR   0 0 231,857
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,976 91,958 SH   OTR   0 0 91,958
SCHWAB STRATEGIC TR US TIPS ETF 808524870 34,695 571,485 SH   OTR   0 0 571,485
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 9,891 169,084 SH   OTR   0 0 169,084
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,607 248,692 SH   OTR   0 0 248,692
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 10,250 354,067 SH   OTR   0 0 354,067
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 36,750 465,834 SH   OTR   0 0 465,834
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,784 372,922 SH   OTR   0 0 372,922
SPDR SER TR RUSSELL YIELD 78468R770 10,516 103,678 SH   OTR   0 0 103,678
SPDR SER TR SPDR S&P1500VL 78464A128 18,515 119,468 SH   OTR   0 0 119,468
SPDR SER TR BLOOMBERG CONV 78464A359 1,990 25,862 SH   OTR   0 0 25,862
SPDR SER TR PORTFLI HIGH YLD 78468R606 32,436 1,292,290 SH   OTR   0 0 1,292,290
VANECK ETF TRUST INVESTMENT GRD 92189F486 3,104 123,664 SH   OTR   0 0 123,664
VANGUARD INDEX FDS MID CAP ETF 922908629 15,464 65,018 SH   OTR   0 0 65,018
VANGUARD INDEX FDS SMALL CP ETF 922908751 949 4,465 SH   OTR   0 0 4,465
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,865 27,649 SH   OTR   0 0 27,649
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,435 19,904 SH   OTR   0 0 19,904
VANGUARD INDEX FDS LARGE CAP ETF 922908637 22,495 107,895 SH   OTR   0 0 107,895
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,581 53,116 SH   OTR   0 0 53,116
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 14,256 140,746 SH   OTR   0 0 140,746
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,607 345,772 SH   OTR   0 0 345,772
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 8,523 121,999 SH   OTR   0 0 121,999
WISDOMTREE TR GLB US QTLY DIV 97717W844 10,303 259,384 SH   OTR   0 0 259,384