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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
3M CO COM 88579Y101   870,067 6,740 SH   SOLE   0 0 6,740
AMAZON COM INC COM 023135106   568,220 2,590 SH   SOLE   0 0 2,590
AMERICAN EXPRESS CO COM 025816109   291,151 981 SH   SOLE   0 0 981
APPLE INC COM 037833100   8,679,614 34,660 SH   SOLE   0 0 34,660
ARK ETF TR INNOVATION ETF 00214Q104   543,857 9,580 SH   SOLE   0 0 9,580
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,920,354 10,855 SH   SOLE   0 0 10,855
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   7,298,160 249,766 SH   SOLE   0 0 249,766
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   965,656 25,979 SH   SOLE   0 0 25,979
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   1,797,114 66,758 SH   SOLE   0 0 66,758
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   6,862,088 309,103 SH   SOLE   0 0 309,103
DARDEN RESTAURANTS INC COM 237194105   411,465 2,204 SH   SOLE   0 0 2,204
EXXON MOBIL CORP COM 30231G102   877,447 8,157 SH   SOLE   0 0 8,157
FEDEX CORP COM 31428X106   250,614 891 SH   SOLE   0 0 891
GENERAL MLS INC COM 370334104   519,407 8,145 SH   SOLE   0 0 8,145
HARRIS OAKMARK ETF TRUST OAKMARK U S LRG 41456U106   388,668 16,533 SH   SOLE   0 0 16,533
INTERNATIONAL BUSINESS MACHS COM 459200101   274,128 1,247 SH   SOLE   0 0 1,247
INVESTMENT MANAGERS SER TR I FPA GBL EQTY ETF 30254T577   9,070,580 299,557 SH   SOLE   0 0 299,557
ISHARES GOLD TR SHARES REPRESENT 46436F103   398,255 15,218 SH   SOLE   0 0 15,218
ISHARES GOLD TR ISHARES NEW 464285204   3,437,232 69,425 SH   SOLE   0 0 69,425
ISHARES TR MSCI ACWI ETF 464288257   1,016,356 8,650 SH   SOLE   0 0 8,650
ISHARES TR CORE S&P SCP ETF 464287804   1,190,699 10,334 SH   SOLE   0 0 10,334
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   8,079,773 160,408 SH   SOLE   0 0 160,408
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,634,292 32,228 SH   SOLE   0 0 32,228
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   7,194,345 157,702 SH   SOLE   0 0 157,702
MCDONALDS CORP COM 580135101   242,638 837 SH   SOLE   0 0 837
MICROSOFT CORP COM 594918104   1,122,033 2,662 SH   SOLE   0 0 2,662
NVIDIA CORPORATION COM 67066G104   383,322 2,854 SH   SOLE   0 0 2,854
ORACLE CORP COM 68389X105   374,607 2,248 SH   SOLE   0 0 2,248
PIMCO ETF TR MULTISECTOR BD 72201R585   202,285 7,804 SH   SOLE   0 0 7,804
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,647,643 16,421 SH   SOLE   0 0 16,421
ROSS STORES INC COM 778296103   1,161,149 7,676 SH   SOLE   0 0 7,676
SPDR GOLD TR GOLD SHS 78463V107   1,946,725 8,040 SH   SOLE   0 0 8,040
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,375,606 35,851 SH   SOLE   0 0 35,851
SPDR S&P 500 ETF TR TR UNIT 78462F103   616,335 1,052 SH   SOLE   0 0 1,052
SPDR SER TR BLOOMBERG 3-12 M 78468R523   334,510 3,374 SH   SOLE   0 0 3,374
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   553,876 6,058 SH   SOLE   0 0 6,058
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   841,993 21,268 SH   SOLE   0 0 21,268
TARGET CORP COM 87612E106   1,956,711 14,475 SH   SOLE   0 0 14,475
UNITEDHEALTH GROUP INC COM 91324P102   614,530 1,215 SH   SOLE   0 0 1,215
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,865,204 16,453 SH   SOLE   0 0 16,453
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,162,949 14,364 SH   SOLE   0 0 14,364
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,766,807 28,162 SH   SOLE   0 0 28,162
VANGUARD INDEX FDS SML CP GRW ETF 922908595   372,499 1,330 SH   SOLE   0 0 1,330
VANGUARD INDEX FDS MID CAP ETF 922908629   200,392 759 SH   SOLE   0 0 759
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,549,575 38,726 SH   SOLE   0 0 38,726
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,715,999 61,671 SH   SOLE   0 0 61,671
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,194,353 40,948 SH   SOLE   0 0 40,948
WORLD GOLD TR SPDR GLD MINIS 98149E303   14,728,195 283,289 SH   SOLE   0 0 283,289