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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
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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
3M CO COM 88579Y101   803,441 7,349 SH   SOLE   0 0 7,349
AMAZON COM INC COM 023135106   363,137 2,390 SH   SOLE   0 0 2,390
APPLE INC COM 037833100   6,585,892 34,207 SH   SOLE   0 0 34,207
ARK ETF TR INNOVATION ETF 00214Q104   496,834 9,487 SH   SOLE   0 0 9,487
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,857,991 10,817 SH   SOLE   0 0 10,817
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   5,983,758 232,560 SH   SOLE   0 0 232,560
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   958,407 33,950 SH   SOLE   0 0 33,950
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   1,633,743 60,330 SH   SOLE   0 0 60,330
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   2,402,253 105,849 SH   SOLE   0 0 105,849
DARDEN RESTAURANTS INC COM 237194105   362,117 2,204 SH   SOLE   0 0 2,204
EXXON MOBIL CORP COM 30231G102   773,797 7,740 SH   SOLE   0 0 7,740
FEDEX CORP COM 31428X106   235,712 932 SH   SOLE   0 0 932
GENERAL MLS INC COM 370334104   530,565 8,145 SH   SOLE   0 0 8,145
INTERNATIONAL BUSINESS MACHS COM 459200101   203,947 1,247 SH   SOLE   0 0 1,247
ISHARES GOLD TR ISHARES NEW 464285204   3,068,265 78,613 SH   SOLE   0 0 78,613
ISHARES GOLD TR SHARES REPRESENT 46436F103   371,212 18,020 SH   SOLE   0 0 18,020
ISHARES TR CORE S&P SCP ETF 464287804   1,096,477 10,129 SH   SOLE   0 0 10,129
ISHARES TR MSCI ACWI ETF 464288257   865,142 8,501 SH   SOLE   0 0 8,501
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,137,524 61,835 SH   SOLE   0 0 61,835
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   11,092,749 220,839 SH   SOLE   0 0 220,839
MCDONALDS CORP COM 580135101   248,179 837 SH   SOLE   0 0 837
MICROSOFT CORP COM 594918104   1,001,018 2,662 SH   SOLE   0 0 2,662
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   6,024,301 226,836 SH   SOLE   0 0 226,836
ORACLE CORP COM 68389X105   237,007 2,248 SH   SOLE   0 0 2,248
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,579,125 25,846 SH   SOLE   0 0 25,846
ROSS STORES INC COM 778296103   1,062,282 7,676 SH   SOLE   0 0 7,676
SPDR GOLD TR GOLD SHS 78463V107   1,710,373 8,947 SH   SOLE   0 0 8,947
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,758,361 77,898 SH   SOLE   0 0 77,898
SPDR S&P 500 ETF TR TR UNIT 78462F103   493,509 1,038 SH   SOLE   0 0 1,038
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   681,769 7,460 SH   SOLE   0 0 7,460
SPDR SER TR BLOOMBERG 3-12 M 78468R523   426,811 4,306 SH   SOLE   0 0 4,306
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   779,940 22,113 SH   SOLE   0 0 22,113
TARGET CORP COM 87612E106   1,917,220 13,462 SH   SOLE   0 0 13,462
UNITEDHEALTH GROUP INC COM 91324P102   632,094 1,201 SH   SOLE   0 0 1,201
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   350,538 7,090 SH   SOLE   0 0 7,090
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,471,055 30,334 SH   SOLE   0 0 30,334
VANGUARD INDEX FDS SML CP GRW ETF 922908595   319,746 1,323 SH   SOLE   0 0 1,323
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,377,008 16,889 SH   SOLE   0 0 16,889
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,291,423 13,875 SH   SOLE   0 0 13,875
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,994,300 38,825 SH   SOLE   0 0 38,825
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,422,244 58,935 SH   SOLE   0 0 58,935
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,027,459 39,130 SH   SOLE   0 0 39,130
WORLD GOLD TR SPDR GLD MINIS 98149E303   16,387,523 400,575 SH   SOLE   0 0 400,575