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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
APPLE INC COM 037833100   329,511 1,699 SH   SOLE   0 0 1,699
INVESCO QQQ TR UNIT SER 1 46090E103   33,905,368 91,780 SH   SOLE   91,780 0 0
ISHARES GOLD TR ISHARES NEW 464285204   34,394,372 945,160 SH   SOLE   945,160 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   162,427,464 1,409,846 SH   SOLE   1,409,846 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   27,848,954 109,435 SH   SOLE   109,435 0 0
ISHARES TR MSCI EAFE ETF 464287465   26,318,587 363,015 SH   SOLE   363,015 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   22,111,397 163,946 SH   SOLE   163,946 0 0
ISHARES TR EAFE GRWTH ETF 464288885   9,461,523 99,167 SH   SOLE   99,167 0 0
ISHARES TR CORE US AGGBD ET 464287226   7,326,960 74,803 SH   SOLE   74,803 0 0
ISHARES TR CORE MSCI EAFE 46432F842   4,495,027 66,593 SH   SOLE   66,593 0 0
ISHARES TR INTL SEL DIV ETF 464288448   676,734 25,702 SH   SOLE   25,702 0 0
ISHARES TR U.S. REAL ES ETF 464287739   556,019 6,425 SH   SOLE   6,425 0 0
ISHARES TR EAFE VALUE ETF 464288877   483,331 9,876 SH   SOLE   9,876 0 0
ISHARES TR LATN AMER 40 ETF 464287390   216,137 7,955 SH   SOLE   7,955 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   389,523 7,040 SH   SOLE   7,040 0 0
MICROSOFT CORP COM 594918104   309,891 910 SH   SOLE   0 0 910
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   38,460,790 668,070 SH   SOLE   668,070 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   13,500,297 261,128 SH   SOLE   261,128 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   597,418 11,408 SH   SOLE   11,408 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   258,455 3,559 SH   SOLE   3,559 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   232,520 7,201 SH   SOLE   7,201 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   889,642 5,117 SH   SOLE   5,117 0 0
SPDR GOLD TR GOLD SHS 78463V107   28,194,292 158,155 SH   SOLE   158,155 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   152,976,887 694,466 SH   SOLE   694,466 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,028,675 167,887 SH   SOLE   167,887 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,835,845 52,120 SH   SOLE   52,120 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,750,287 80,980 SH   SOLE   80,980 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   74,878,330 1,621,445 SH   SOLE   1,621,445 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   36,542,624 486,651 SH   SOLE   486,651 0 0