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
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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   761,806 7,182 SH   SOLE   0 0 7,182
AMAZON COM INC COM 023135106   431,108 2,390 SH   SOLE   0 0 2,390
AMERICAN EXPRESS CO COM 025816109   223,364 981 SH   SOLE   0 0 981
APPLE INC COM 037833100   5,867,372 34,216 SH   SOLE   0 0 34,216
ARK ETF TR INNOVATION ETF 00214Q104   475,109 9,487 SH   SOLE   0 0 9,487
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,534,888 10,784 SH   SOLE   0 0 10,784
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   6,836,850 237,391 SH   SOLE   0 0 237,391
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   1,082,061 33,825 SH   SOLE   0 0 33,825
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   1,658,752 61,413 SH   SOLE   0 0 61,413
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   3,148,696 140,191 SH   SOLE   0 0 140,191
DARDEN RESTAURANTS INC COM 237194105   368,399 2,204 SH   SOLE   0 0 2,204
EXXON MOBIL CORP COM 30231G102   904,224 7,779 SH   SOLE   0 0 7,779
FEDEX CORP COM 31428X106   271,051 936 SH   SOLE   0 0 936
GENERAL MLS INC COM 370334104   569,906 8,145 SH   SOLE   0 0 8,145
INTERNATIONAL BUSINESS MACHS COM 459200101   238,127 1,247 SH   SOLE   0 0 1,247
ISHARES GOLD TR ISHARES NEW 464285204   3,178,771 75,667 SH   SOLE   0 0 75,667
ISHARES GOLD TR SHARES REPRESENT 46436F103   399,503 18,020 SH   SOLE   0 0 18,020
ISHARES TR MSCI ACWI ETF 464288257   936,210 8,501 SH   SOLE   0 0 8,501
ISHARES TR CORE S&P SCP ETF 464287804   1,189,944 10,767 SH   SOLE   0 0 10,767
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   11,283,122 223,650 SH   SOLE   0 0 223,650
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,597,018 51,183 SH   SOLE   0 0 51,183
MCDONALDS CORP COM 580135101   235,992 837 SH   SOLE   0 0 837
MICROSOFT CORP COM 594918104   1,119,957 2,662 SH   SOLE   0 0 2,662
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   8,266,116 286,322 SH   SOLE   0 0 286,322
NVIDIA CORPORATION COM 67066G104   257,855 285 SH   SOLE   0 0 285
ORACLE CORP COM 68389X105   282,371 2,248 SH   SOLE   0 0 2,248
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,432,441 24,194 SH   SOLE   0 0 24,194
ROSS STORES INC COM 778296103   1,126,530 7,676 SH   SOLE   0 0 7,676
SPDR GOLD TR GOLD SHS 78463V107   1,737,072 8,444 SH   SOLE   0 0 8,444
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,254,695 62,302 SH   SOLE   0 0 62,302
SPDR S&P 500 ETF TR TR UNIT 78462F103   544,945 1,042 SH   SOLE   0 0 1,042
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   970,515 10,572 SH   SOLE   0 0 10,572
SPDR SER TR BLOOMBERG 3-12 M 78468R523   438,035 4,406 SH   SOLE   0 0 4,406
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   836,190 22,005 SH   SOLE   0 0 22,005
TARGET CORP COM 87612E106   1,827,193 10,311 SH   SOLE   0 0 10,311
UNITEDHEALTH GROUP INC COM 91324P102   596,218 1,205 SH   SOLE   0 0 1,205
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   204,275 4,123 SH   SOLE   0 0 4,123
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,822,721 16,274 SH   SOLE   0 0 16,274
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,576,286 28,769 SH   SOLE   0 0 28,769
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,637,457 13,996 SH   SOLE   0 0 13,996
VANGUARD INDEX FDS SML CP GRW ETF 922908595   345,349 1,325 SH   SOLE   0 0 1,325
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,249,718 53,860 SH   SOLE   0 0 53,860
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,306,591 38,974 SH   SOLE   0 0 38,974
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,227,488 41,747 SH   SOLE   0 0 41,747
WORLD GOLD TR SPDR GLD MINIS 98149E303   16,812,828 381,676 SH   SOLE   0 0 381,676