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
MEDTRONIC PLC SHS G5960L103 3,621 32,638 SH   SOLE   3,621 0 0
CIMPRESS PLC SHS EURO G2143T103 967 15,212 SH   SOLE   967 0 0
WAYFAIR INC CL A 94419L101 1,683 15,195 SH   SOLE   1,683 0 0
VISA INC COM CL A 92826C839 6,870 30,979 SH   SOLE   6,870 0 0
VERISK ANALYTICS INC COM 92345Y106 831 3,874 SH   SOLE   831 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 7,479 146,814 SH   SOLE   7,479 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 31 193 SH   SOLE   31 0 0
VANGUARD HEALTH CARE ETF IV HEALTH CAR ETF 92204A504 25 100 SH   SOLE   25 0 0
VANGUARD ENERGY ETF ENERGY ETF 92204A306 2,175 20,317 SH   SOLE   2,175 0 0
VANGUARD CONSUMER STAPLES ETF CONSUM STP ETF 92204A207 26 132 SH   SOLE   26 0 0
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106 65 1,682 SH   SOLE   65 0 0
UNITEDHEALTH GROUP INC COM 91324P102 10,242 20,084 SH   SOLE   10,242 0 0
3M CO COM 88579Y101 322 2,160 SH   SOLE   322 0 0
TC ENERGY CORP COM 87807B107 10,081 178,681 SH   SOLE   10,081 0 0
SOUTHERN COPPER CORP COM 84265V105 6,484 85,430 SH   SOLE   6,484 0 0
SELECT SECTOR SPDR ETF IV ENERGY 81369Y506 8 99 SH   SOLE   8 0 0
SPDR FUND CONSUMER STAPLES ETF SBI CONS STPLS 81369Y308 5 66 SH   SOLE   5 0 0
SELECT SECTOR HEALTH CARE SPDR ETF SBI HEALTHCARE 81369Y209 6 43 SH   SOLE   6 0 0
SALESFORCE COM INC COM 79466L302 952 4,484 SH   SOLE   952 0 0
SPDR SER TR S&P METALS MNG 78464A755 1,647 26,877 SH   SOLE   1,647 0 0
SPDR GOLD TR GOLD SHS 78463V107 551 3,050 SH   OTR   0 551 0
SPDR GOLD TR GOLD SHS 78463V107 822 4,551 SH   SOLE   822 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104 846 2,460 SH   SOLE   846 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 4,758 346,575 SH   SOLE   4,758 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 1,697 2,478 SH   SOLE   1,697 0 0
MERCK & CO INC COM 58933Y105 277 3,379 SH   SOLE   277 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3,725 10,424 SH   SOLE   3,725 0 0
KKR & CO INC COM 48251W104 1,361 23,271 SH   SOLE   1,361 0 0
JPMORGAN CHASE & CO COM 46625H100 5,925 43,466 SH   SOLE   5,925 0 0
ISHARES MSCI GLL MET MIN PROD ETF MSCI GBL ETF NEW 46434G848 68 1,337 SH   SOLE   68 0 0
ISHARES INC CORE MSCI EMKT 46434G103 896 16,117 SH   OTR   0 896 0
ISHARES INC CORE MSCI EMKT 46434G103 45,082 811,537 SH   SOLE   45,082 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 12 172 SH   SOLE   12 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 234 774 SH   SOLE   234 0 0
HESS CORP COM 42809H107 460 4,293 SH   SOLE   460 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101 11,669 607,781 SH   SOLE   11,669 0 0
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 16,565 864,122 SH   SOLE   16,565 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 224 680 SH   SOLE   224 0 0
FREEPORT-MCMORAN INC CL B 35671D857 3,074 61,799 SH   SOLE   3,074 0 0
META PLATFORMS INC CL A 30303M102 238 1,070 SH   SOLE   238 0 0
EXXON MOBIL CORP COM 30231G102 618 7,483 SH   SOLE   618 0 0
ENBRIDGE INC COM 29250N105 10,933 237,204 SH   SOLE   10,933 0 0
EOG RES INC COM 26875P101 472 3,958 SH   SOLE   472 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,793 25,014 SH   SOLE   2,793 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 826 17,731 SH   SOLE   826 0 0
DIGITALBRIDGE GROUP INC CL A COM 25401T108 117 16,226 SH   SOLE   117 0 0
COSTAR GROUP INC COM 22160N109 1,036 15,551 SH   SOLE   1,036 0 0
COSTCO WHSL CORP NEW COM 22160K105 9,459 16,426 SH   SOLE   9,459 0 0
CONOCOPHILLIPS COM 20825C104 1,995 19,949 SH   SOLE   1,995 0 0
CISCO SYS INC COM 17275R102 3,935 70,565 SH   SOLE   3,935 0 0
CHENIERE ENERGY INC COM NEW 16411R208 2,434 17,557 SH   SOLE   2,434 0 0
CME GROUP INC COM 12572Q105 1,271 5,343 SH   SOLE   1,271 0 0
CBOE GLOBAL MKTS INC COM 12503M108 623 5,442 SH   SOLE   623 0 0
BOOKING HOLDINGS INC COM 09857L108 362 154 SH   SOLE   362 0 0
BLACKROCK INC COM 09247X101 5,646 7,389 SH   SOLE   5,646 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,255 34,000 SH   SOLE   1,255 0 0
ANSYS INC COM 03662Q105 312 981 SH   SOLE   312 0 0
AMERICAN TOWER CORP NEW COM 03027X100 3,356 13,357 SH   SOLE   3,356 0 0
ALPHABET INC CAP STK CL A 02079K305 278 100 SH   SOLE   278 0 0
ALPHABET INC CAP STK CL C 02079K107 6,938 2,484 SH   SOLE   6,938 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,114 2,446 SH   SOLE   1,114 0 0
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 187 10,083 SH   SOLE   187 0 0
ABBVIE INC COM 00287Y109 283 1,743 SH   SOLE   283 0 0
VALE S A SPONSORED ADS 91912E105 438 21,930 SH   SOLE   438 0 0
VERISIGN INC COM 92343E102 7,537 33,882 SH   SOLE   7,537 0 0
YELP INC CL A 985817105 519 15,205 SH   SOLE   519 0 0
WORLD ACCEP CORPORATION COM 981419104 1,515 7,897 SH   SOLE   1,515 0 0
WILLIAMS COS INC COM 969457100 11,410 341,521 SH   SOLE   11,410 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 206 4,322 SH   SOLE   206 0 0
WALMART INC COM 931142103 9,317 62,565 SH   SOLE   9,317 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 663 2,912 SH   OTR   0 663 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922908769 366 2,999 SH   SOLE   366 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,673 24,917 SH   SOLE   5,673 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 654 2,750 SH   SOLE   654 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 644 3,660 SH   SOLE   644 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 248 1,000 SH   SOLE   248 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 235 2,166 SH   SOLE   235 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 5,585 89,672 SH   SOLE   5,585 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 4,162 56,208 SH   SOLE   4,162 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 45,937 995,790 SH   SOLE   45,937 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 448 9,328 SH   SOLE   448 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 458 2,879 SH   SOLE   458 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,459 9,000 SH   SOLE   1,459 0 0
UNITED PARCEL SERVICE INC CL B 911312106 5,382 25,095 SH   SOLE   5,382 0 0
UNION PAC CORP COM 907818108 319 1,167 SH   SOLE   319 0 0
SUNCOR ENERGY INC NEW COM 867224107 890 27,302 SH   SOLE   890 0 0
SOUTHERN CO COM 842587107 214 2,953 SH   SOLE   214 0 0
SEMPRA COM 816851109 3,366 20,020 SH   SOLE   3,366 0 0
SCHWAB INTERMEDIATE TERM US TRS ETF INTRM TRM TRES 808524854 128 2,411 SH   SOLE   128 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,068 38,443 SH   SOLE   1,068 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,002 18,762 SH   OTR   0 1,002 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 571 10,686 SH   SOLE   571 0 0
SCHWAB CHARLES CORP COM 808513105 211 2,499 SH   SOLE   211 0 0
ROPER TECHNOLOGIES INC COM 776696106 1,243 2,633 SH   SOLE   1,243 0 0
RIO TINTO PLC SPONSORED ADR 767204100 13,465 167,476 SH   SOLE   13,465 0 0
PROCTER AND GAMBLE CO COM 742718109 1,567 10,253 SH   SOLE   1,567 0 0
PIONEER NAT RES CO COM 723787107 519 2,075 SH   SOLE   519 0 0
PHILIP MORRIS INTL INC COM 718172109 260 2,763 SH   SOLE   260 0 0
PFIZER INC COM 717081103 8,808 170,134 SH   SOLE   8,808 0 0
PEPSICO INC COM 713448108 266 1,587 SH   SOLE   266 0 0
POSCO SPONSORED ADR 693483109 11,340 191,336 SH   SOLE   11,340 0 0
OCCIDENTAL PETE CORP COM 674599105 502 8,846 SH   SOLE   502 0 0
NEWMONT CORP COM 651639106 1,057 13,303 SH   SOLE   1,057 0 0
MOODYS CORP COM 615369105 2,991 8,866 SH   SOLE   2,991 0 0
MICROSOFT CORP COM 594918104 10,838 35,152 SH   SOLE   10,838 0 0
MCDONALDS CORP COM 580135101 2,945 11,911 SH   SOLE   2,945 0 0
JOHNSON & JOHNSON COM 478160104 8,388 47,326 SH   SOLE   8,388 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,444 13,125 SH   SOLE   3,444 0 0
ISHARES TR CORE S&P US GWT 464287671 2,928 27,716 SH   SOLE   2,928 0 0
ISHARES TR CORE S&P US VLU 464287663 2,190 28,863 SH   SOLE   2,190 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,542 20,948 SH   SOLE   1,542 0 0
ISHARES TR 20 YR TR BD ETF 464287432 4,017 30,416 SH   SOLE   4,017 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 20 43 SH   SOLE   20 0 0
ISHARES GOLD TR ISHARES NEW 464285105 39,485 1,072,102 SH   SOLE   39,485 0 0
INTEL CORP COM 458140100 6,475 130,657 SH   SOLE   6,475 0 0
HONEYWELL INTL INC COM 438516106 3,275 16,833 SH   SOLE   3,275 0 0
HOME DEPOT INC COM 437076102 4,886 16,323 SH   SOLE   4,886 0 0
FRANCO NEV CORP COM 351858105 513 3,215 SH   SOLE   513 0 0
DOLLAR TREE INC COM 256746108 684 4,274 SH   SOLE   684 0 0
DISNEY WALT CO COM 254687106 4,813 35,087 SH   SOLE   4,813 0 0
DANAHER CORPORATION COM 235851102 779 2,657 SH   SOLE   779 0 0
CREDIT ACCEP CORP MICH COM 225310101 4,102 7,454 SH   SOLE   4,102 0 0
CHEVRON CORP NEW COM 166764100 1,036 6,364 SH   SOLE   1,036 0 0
CATERPILLAR INC COM 149123101 268 1,205 SH   SOLE   268 0 0
CARMAX INC COM 143130102 1,494 15,481 SH   SOLE   1,494 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,171 20,707 SH   SOLE   1,171 0 0
BOEING CO COM 097023105 4,005 20,914 SH   SOLE   4,005 0 0
BHP GROUP LTD SPONSORED ADS 088606108 14,408 186,511 SH   SOLE   14,408 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 12,765 36,170 SH   SOLE   12,765 0 0
BARRICK GOLD CORP COM 067901108 568 23,157 SH   SOLE   568 0 0
BK OF AMERICA CORP COM 060505104 483 11,708 SH   SOLE   483 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,764 20,935 SH   SOLE   4,764 0 0
APPLE INC COM 037833100 9,330 53,435 SH   SOLE   9,330 0 0
AMGEN INC COM 031162100 4,602 19,030 SH   SOLE   4,602 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 201 3,195 SH   SOLE   201 0 0
AMAZON COM INC COM 023135106 10,605 3,253 SH   SOLE   10,605 0 0
ALBEMARLE CORP COM 012653101 5,078 22,961 SH   SOLE   5,078 0 0
ALARM COM HLDGS INC COM 011642105 212 3,183 SH   SOLE   212 0 0
AIRBNB INC COM CL A 009066101 379 2,204 SH   SOLE   379 0 0