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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
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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
AMAZON COM INC COM 023135106   280,491 1,555 SH   SOLE   0 0 1,555
FRANCO NEV CORP COM 351858105   241,776 2,029 SH   SOLE   0 0 2,029
ISHARES GOLD TR ISHARES NEW 464285204   2,938,726 69,953 SH   SOLE   0 0 69,953
ISHARES TR CORE HIGH DV ETF 46429B663   380,961 3,457 SH   SOLE   0 0 3,457
ISHARES TR 0-5YR HI YL CP 46434V407   7,390,419 173,688 SH   SOLE   0 0 173,688
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   208,920 10,446 SH   SOLE   0 0 10,446
KRANESHARES TRUST KFA MOUNT LUCAS 500767652   334,708 11,198 SH   SOLE   0 0 11,198
LYFT INC CL A COM 55087p104   467,051 24,137 SH   SOLE   0 0 24,137
SPDR SER TR S&P DIVID ETF 78464A763   6,624,262 50,474 SH   SOLE   0 0 50,474
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   2,702,073 54,532 SH   SOLE   0 0 54,532
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,115,546 4,401 SH   SOLE   0 0 4,401
VANGUARD INDEX FDS VALUE ETF 922908744   674,442 4,141 SH   SOLE   0 0 4,141
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,347,172 32,252 SH   SOLE   0 0 32,252
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,485,714 49,125 SH   SOLE   0 0 49,125
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   3,234,735 54,604 SH   SOLE   0 0 54,604
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   285,170 4,911 SH   SOLE   0 0 4,911
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,739,791 58,813 SH   SOLE   0 0 58,813
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,219,542 203,698 SH   SOLE   0 0 203,698