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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 14,108 807,626 SH   SOLE   14,108 0 0
GRANITESHARES GOLD T SHS BEN INT 38748G101 8,978 514,805 SH   SOLE   8,978 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 439 2,879 SH   SOLE   439 0 0
ISHARES GOLD TR ISHARES NEW 464285105 44,949 1,345,384 SH   SOLE   44,949 0 0
AIRBNB INC COM CL A 009066101 224 1,337 SH   SOLE   224 0 0
CONTEXTLOGIC INC COM CL A 21077C107 205 37,492 SH   SOLE   205 0 0
MERCK & CO INC COM 58933Y105 389 5,178 SH   SOLE   389 0 0
WORLD ACCEP CORPORAT COM 981419104 1,463 7,719 SH   SOLE   1,463 0 0
GLOBAL INDUSTRIAL CO COM 37892E102 258 6,814 SH   SOLE   258 0 0
DIGITALBRIDGE GROUP CL A COM 25401T108 113 18,773 SH   SOLE   113 0 0
WAYFAIR INC CL A 94419L101 3,781 14,797 SH   SOLE   3,781 0 0
VISA INC COM CL A 92826C839 2,059 9,242 SH   SOLE   2,059 0 0
VERISK ANALYTICS INC COM 92345Y106 861 4,297 SH   SOLE   861 0 0
VERIZON COMMUNICATIO COM 92343V104 6,916 128,053 SH   SOLE   6,916 0 0
VANGUARD SCOTTSDALE INTER TERM TREAS 92206C706 204 3,020 SH   OTR   0 204 0
VANGUARD SHORT TERM TREASURY ETF ETF 92206C102 4 62 SH   SOLE   4 0 0
VANGUARD UTILITIES ETF IV ETF 92204A876 49 355 SH   SOLE   49 0 0
VANGUARD HEALTH CARE ETF IV ETF 92204A504 45 184 SH   SOLE   45 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,824 24,677 SH   SOLE   1,824 0 0
VANGUARD CONSUMER STAPLES ETF IV ETF 92204A207 46 254 SH   SOLE   46 0 0
VANECK GOLD MINERS ETF ETF 92189F106 91 3,092 SH   SOLE   91 0 0
UNITEDHEALTH GROUP I COM 91324P102 7,643 19,560 SH   SOLE   7,643 0 0
3M CO COM 88579Y101 379 2,160 SH   SOLE   379 0 0
TC ENERGY CORP COM 87807B107 7,306 151,925 SH   SOLE   7,306 0 0
SPROTT GOLD MINERS ETF ETF 85210B102 2 75 SH   SOLE   2 0 0
SOUTHERN COPPER CORP COM 84265V105 11,836 210,834 SH   SOLE   11,836 0 0
SELECT SECTOR UTI SELECT SPDR ETF ETF 81369Y886 2 25 SH   SOLE   2 0 0
ENERGY SELECT SECTOR SPDR ETF IV ETF 81369Y506 7 141 SH   SOLE   7 0 0
SPDR FUND CONSUMER STAPLES ETF IV ETF 81369Y308 5 76 SH   SOLE   5 0 0
SELECT SECTOR HEALTH CARE SPD ETF IV ETF 81369Y209 6 46 SH   SOLE   6 0 0
SALESFORCE COM INC COM 79466L302 1,355 4,997 SH   SOLE   1,355 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,229 29,451 SH   SOLE   1,229 0 0
SPDR GOLD TR GOLD SHS 78463V107 501 3,050 SH   OTR   0 501 0
SBA COMMUNICATIONS C CL A 78410G104 1,114 3,371 SH   SOLE   1,114 0 0
OREILLY AUTOMOTIVE I COM 67103H107 1,689 2,764 SH   SOLE   1,689 0 0
MASTERCARD INCORPORA CL A 57636Q104 3,621 10,414 SH   SOLE   3,621 0 0
KKR & CO INC COM 48251W104 1,591 26,129 SH   SOLE   1,591 0 0
JPMORGAN CHASE & CO COM 46625H100 6,258 38,229 SH   SOLE   6,258 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848 135 3,304 SH   SOLE   135 0 0
ISHARES CORE MSCI EMERGING ETF ETF 46434G103 8 126 SH   SOLE   8 0 0
ISHARES INC CORE MSCI EMKT 46434G103 53,649 868,669 SH   OTR   52,666 983 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 13 172 SH   SOLE   13 0 0
INTUITIVE SURGICAL I COM NEW 46120E602 256 258 SH   SOLE   256 0 0
HESS CORP COM 42809H107 336 4,303 SH   SOLE   336 0 0
GOLDMAN SACHS GROUP COM 38141G104 257 680 SH   SOLE   257 0 0
FREEPORT-MCMORAN INC CL B 35671D857 1,564 48,082 SH   SOLE   1,564 0 0
FACEBOOK INC CL A 30303M102 363 1,070 SH   SOLE   363 0 0
EXXON MOBIL CORP COM 30231G102 1,727 29,357 SH   SOLE   1,727 0 0
ENBRIDGE INC COM 29250N105 7,998 200,953 SH   SOLE   7,998 0 0
EOG RES INC COM 26875P101 348 4,335 SH   SOLE   348 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,597 16,362 SH   SOLE   1,597 0 0
COSTAR GROUP INC COM 22160N109 1,492 17,342 SH   SOLE   1,492 0 0
COSTCO WHSL CORP NEW COM 22160K105 9,146 20,353 SH   SOLE   9,146 0 0
CONOCOPHILLIPS COM 20825C104 2,762 40,753 SH   SOLE   2,762 0 0
CISCO SYS INC COM 17275R102 367 6,734 SH   SOLE   367 0 0
CHENIERE ENERGY INC COM NEW 16411R208 448 4,585 SH   SOLE   448 0 0
CME GROUP INC COM 12572Q105 1,624 8,398 SH   SOLE   1,624 0 0
CBOE GLOBAL MKTS INC COM 12503M108 1,401 11,309 SH   SOLE   1,401 0 0
BOOKING HOLDINGS INC COM 09857L108 366 154 SH   SOLE   366 0 0
BLACKROCK INC COM 09247X101 5,118 6,102 SH   SOLE   5,118 0 0
ANSYS INC COM 03662Q105 365 1,071 SH   SOLE   365 0 0
AMERICAN TOWER CORP COM 03027X100 3,263 12,295 SH   SOLE   3,263 0 0
ALPHABET INC CAP STK CL C 02079K107 6,189 2,322 SH   SOLE   6,189 0 0
ADOBE SYSTEMS INCORP COM 00724F101 1,556 2,702 SH   SOLE   1,556 0 0
ABERDEEN STD GOLD ET PHYSCL GOLD SHS 00326A104 170 10,083 SH   SOLE   170 0 0
CIMPRESS PLC SHS EURO G2143T103 1,304 15,017 SH   SOLE   1,304 0 0
MEDTRONIC PLC SHS G5960L103 4,092 32,647 SH   SOLE   4,092 0 0
VIATRIS INC COM 92556V106 196 14,491 SH   SOLE   196 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 7,063 404,500 SH   SOLE   7,063 0 0
VALE S A SPONSORED ADS 91912E105 306 21,930 SH   SOLE   306 0 0
VERISIGN INC COM 92343E102 6,641 32,392 SH   SOLE   6,641 0 0
YELP INC CL A 985817105 709 19,030 SH   SOLE   709 0 0
WILLIAMS COS INC COM 969457100 8,291 319,628 SH   SOLE   8,291 0 0
WALMART INC COM 931142103 7,871 56,471 SH   SOLE   7,871 0 0
VANGUARD TOTAL STOCK MARKET E ETF IV ETF 922908769 191 860 SH   SOLE   191 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 450 2,660 SH   SOLE   450 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908553 704 3,171 SH   OTR   0 704 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 220 2,166 SH   SOLE   220 0 0
VAPOTHERM INC COM 922107107 219 9,847 SH   SOLE   219 0 0
VANGUARD INTL EQUITY FTSE EMR MKT ETF 922042858 49,339 986,583 SH   SOLE   49,339 0 0
VANGUARD TAX-MANAGED FTSE DEV MKT ETF 921943858 442 8,744 SH   SOLE   442 0 0
UNITED PARCEL SERVIC CL B 911312106 4,805 26,385 SH   SOLE   4,805 0 0
UNION PAC CORP COM 907818108 229 1,167 SH   SOLE   229 0 0
TJX COS INC NEW COM 872540109 201 3,043 SH   SOLE   201 0 0
SUNCOR ENERGY INC NE COM 867224107 1,619 78,056 SH   SOLE   1,619 0 0
SEMPRA ENERGY COM 816851109 1,548 12,234 SH   SOLE   1,548 0 0
SCHWAB INTERMEDIATE TERM US TRS ETF ETF 808524854 388 6,837 SH   SOLE   388 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,172 38,443 SH   SOLE   1,172 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 968 9,319 SH   OTR   0 968 0
ROPER TECHNOLOGIES I COM 776696106 1,306 2,927 SH   SOLE   1,306 0 0
RIO TINTO PLC SPONSORED ADR 767204100 11,118 166,382 SH   SOLE   11,118 0 0
PROCTER AND GAMBLE C COM 742718109 1,433 10,253 SH   SOLE   1,433 0 0
PIONEER NAT RES CO COM 723787107 379 2,276 SH   SOLE   379 0 0
PHILIP MORRIS INTL I COM 718172109 262 2,763 SH   SOLE   262 0 0
PFIZER INC COM 717081103 7,080 164,618 SH   SOLE   7,080 0 0
PEPSICO INC COM 713448108 239 1,587 SH   SOLE   239 0 0
POSCO SPONSORED ADR 693483109 15,414 223,490 SH   SOLE   15,414 0 0
OCCIDENTAL PETE CORP COM 674599105 305 10,323 SH   SOLE   305 0 0
NEWMONT CORP COM 651639106 759 13,973 SH   SOLE   759 0 0
MOODYS CORP COM 615369105 3,524 9,923 SH   SOLE   3,524 0 0
MICROSOFT CORP COM 594918104 9,635 34,176 SH   SOLE   9,635 0 0
KINROSS GOLD CORP COM 496902404 80 14,931 SH   SOLE   80 0 0
JOHNSON & JOHNSON COM 478160104 7,069 43,772 SH   SOLE   7,069 0 0
ISHARES TR CORE S&P US GWT 464287671 1,678 16,382 SH   SOLE   1,678 0 0
ISHARES TR CORE S&P US VLU 464287663 1,142 16,113 SH   SOLE   1,142 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,634 20,948 SH   SOLE   1,634 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 31 72 SH   SOLE   31 0 0
ISHARES GOLD TRUST ETF 464285204 143 4,288 SH   SOLE   143 0 0
INTEL CORP COM 458140100 4,638 87,053 SH   SOLE   4,638 0 0
HONEYWELL INTL INC COM 438516106 2,458 11,581 SH   SOLE   2,458 0 0
HOME DEPOT INC COM 437076102 4,591 13,985 SH   SOLE   4,591 0 0
FRANCO NEV CORP COM 351858105 418 3,215 SH   SOLE   418 0 0
FASTENAL CO COM 311900104 262 5,077 SH   SOLE   262 0 0
DOLLAR TREE INC COM 256746108 607 6,337 SH   SOLE   607 0 0
DISNEY WALT CO COM 254687106 5,452 32,229 SH   SOLE   5,452 0 0
DANAHER CORPORATION COM 235851102 883 2,902 SH   SOLE   883 0 0
CREDIT ACCEP CORP MI COM 225310101 4,314 7,370 SH   SOLE   4,314 0 0
CHEVRON CORP NEW COM 166764100 1,461 14,406 SH   SOLE   1,461 0 0
CATERPILLAR INC COM 149123101 231 1,205 SH   SOLE   231 0 0
CARMAX INC COM 143130102 2,076 16,222 SH   SOLE   2,076 0 0
BROOKFIELD ASSET MGM CL A LTD VT SH 112585104 1,229 22,966 SH   SOLE   1,229 0 0
BOEING CO COM 097023105 1,117 5,077 SH   SOLE   1,117 0 0
BHP GROUP LTD SPONSORED ADS 088606108 10,050 187,778 SH   SOLE   10,050 0 0
BERKSHIRE HATHAWAY I CL B NEW 084670702 9,874 36,177 SH   SOLE   9,874 0 0
BARRICK GOLD CORP COM 067901108 416 23,054 SH   SOLE   416 0 0
BK OF AMERICA CORP COM 060505104 497 11,708 SH   SOLE   497 0 0
AUTOMATIC DATA PROCE COM 053015103 4,365 21,834 SH   SOLE   4,365 0 0
APPLE INC COM 037833100 7,567 53,474 SH   SOLE   7,567 0 0
AMGEN INC COM 031162100 4,113 19,341 SH   SOLE   4,113 0 0
AMAZON COM INC COM 023135106 10,134 3,085 SH   SOLE   10,134 0 0
ALBEMARLE CORP COM 012653101 5,119 23,379 SH   SOLE   5,119 0 0
ALARM COM HLDGS INC COM 011642105 277 3,539 SH   SOLE   277 0 0