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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,392,250 5,411 SH   SOLE   0 0 5,411
APPLE INC COM 037833100   1,284,280 9,293 SH   SOLE   0 0 9,293
APTARGROUP INC COM 038336103   1,399,060 14,722 SH   SOLE   0 0 14,722
BECTON DICKINSON & CO COM 075887109   1,954,442 8,771 SH   SOLE   0 0 8,771
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,442,412 16,637 SH   SOLE   0 0 16,637
CARLISLE COS INC COM 142339100   1,862,235 6,641 SH   SOLE   0 0 6,641
CHURCH & DWIGHT CO INC COM 171340102   1,745,119 24,428 SH   SOLE   0 0 24,428
CVS HEALTH CORP COM 126650100   3,584,297 66,638 SH   SOLE   0 0 66,638
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   6,457,260 216,614 SH   SOLE   0 0 216,614
EXXON MOBIL CORP COM 30231G102   3,133,794 35,893 SH   SOLE   0 0 35,893
FORD MTR CO DEL COM 345370860   906,013 52,617 SH   SOLE   0 0 52,617
FRANCO NEV CORP COM 351858105   2,302,141 19,268 SH   SOLE   0 0 19,268
GLOBAL PMTS INC COM 37940X102   225,608 2,088 SH   SOLE   0 0 2,088
HOME DEPOT INC COM 437076102   386,592 1,401 SH   SOLE   0 0 1,401
ISHARES GOLD TR ISHARES NEW 464285204   8,662,366 298,512 SH   SOLE   0 0 298,512
ISHARES TR NATIONAL MUN ETF 464288414   1,470,888 14,339 SH   SOLE   0 0 14,339
ISHARES TR 20 YR TR BD ETF 464287432   671,429 6,554 SH   SOLE   0 0 6,554
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   14,254,151 372,673 SH   SOLE   0 0 372,673
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   1,886,298 38,957 SH   SOLE   0 0 38,957
JOHNSON & JOHNSON COM 478160104   5,212,057 31,905 SH   SOLE   0 0 31,905
JPMORGAN CHASE & CO COM 46625H100   1,286,335 12,309 SH   SOLE   0 0 12,309
LOCKHEED MARTIN CORP COM 539830109   210,528 545 SH   SOLE   0 0 545
MICROSOFT CORP COM 594918104   4,696,382 20,165 SH   SOLE   0 0 20,165
PEPSICO INC COM 713448108   3,554,722 63,469 SH   SOLE   0 0 63,469
PROCTER AND GAMBLE CO COM 742718109   1,594,666 12,631 SH   SOLE   0 0 12,631
QUALCOMM INC COM 747525103   2,251,243 19,926 SH   SOLE   0 0 19,926
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,797,571 21,959 SH   SOLE   0 0 21,959
REGIONS FINANCIAL CORP NEW COM 7591EP100   308,616 15,377 SH   SOLE   0 0 15,377
ROSS STORES INC COM 778296103   1,636,523 19,420 SH   SOLE   0 0 19,420
SCHWAB CHARLES CORP COM 808513105   643,308 8,951 SH   SOLE   0 0 8,951
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   19,850,165 298,813 SH   SOLE   0 0 298,813
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,163,101 41,759 SH   SOLE   0 0 41,759
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   391,683 8,645 SH   SOLE   0 0 8,645
SOUTHERN CO COM 842587107   277,848 4,086 SH   SOLE   0 0 4,086
SPDR SER TR PORTFOLIO LN TSR 78464A664   16,040,242 541,169 SH   SOLE   0 0 541,169
VANECK ETF TRUST CHINA BOND ETF 92189F379   586,815 26,746 SH   SOLE   0 0 26,746
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,791,541 120,306 SH   SOLE   0 0 120,306
WALMART INC COM 931142103   2,124,539 16,380 SH   SOLE   0 0 16,380