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
3M CO COM 88579Y101 311 1,778 SH   SOLE   1,778 0 0
ABBOTT LABS COM 002824100 921 8,414 SH   SOLE   8,414 0 0
ABBVIE INC COM 00287Y109 918 8,572 SH   SOLE   8,572 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 774 2,963 SH   SOLE   2,963 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,030 2,059 SH   SOLE   2,059 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 543 2,334 SH   SOLE   2,334 0 0
ALPHABET INC CAP STK CL C 02079K107 703 401 SH   SOLE   401 0 0
ALPHABET INC CAP STK CL A 02079K305 854 487 SH   SOLE   487 0 0
ALTRIA GROUP INC COM 02209S103 577 14,073 SH   SOLE   14,073 0 0
AMAZON COM INC COM 023135106 2,387 733 SH   SOLE   733 0 0
AMBEV SA SPONSORED ADR 02319V103 38 12,268 SH   SOLE   12,268 0 0
AMERICAN EXPRESS CO COM 025816109 390 3,224 SH   SOLE   3,224 0 0
AMGEN INC COM 031162100 345 1,501 SH   SOLE   1,501 0 0
ANALOG DEVICES INC COM 032654105 228 1,540 SH   SOLE   1,540 0 0
APPLE INC COM 037833100 4,538 34,199 SH   SOLE   34,199 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 76 12,982 SH   SOLE   12,982 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 253 519 SH   SOLE   519 0 0
AT&T INC COM 00206R102 392 13,639 SH   SOLE   13,639 0 0
AUTODESK INC COM 052769106 211 691 SH   SOLE   691 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 346 1,964 SH   SOLE   1,964 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 285 1,231 SH   SOLE   1,231 0 0
BK OF AMERICA CORP COM 060505104 225 7,422 SH   SOLE   7,422 0 0
BLACKROCK INC COM 09247X101 425 589 SH   SOLE   589 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 471 7,600 SH   SOLE   7,600 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 0 30 SH   SOLE   30 0 0
BROADCOM INC COM 11135F101 490 1,119 SH   SOLE   1,119 0 0
CATERPILLAR INC COM 149123101 224 1,230 SH   SOLE   1,230 0 0
CHEVRON CORP NEW COM 166764100 538 6,370 SH   SOLE   6,370 0 0
CHUBB LIMITED COM H1467J104 277 1,801 SH   SOLE   1,801 0 0
CISCO SYS INC COM 17275R102 347 7,746 SH   SOLE   7,746 0 0
COCA COLA CO COM 191216100 1,937 35,319 SH   SOLE   35,319 0 0
COMCAST CORP NEW CL A 20030N101 488 9,317 SH   SOLE   9,317 0 0
COSTCO WHSL CORP NEW COM 22160K105 301 797 SH   SOLE   797 0 0
DASEKE INC COM 23753F107 215 37,037 SH   SOLE   37,037 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 237 1,491 SH   SOLE   1,491 0 0
DIRTT ENVIRONMENTAL SOLUTION COM 25490H106 24 10,000 SH   SOLE   10,000 0 0
DISNEY WALT CO COM 254687106 744 4,104 SH   SOLE   4,104 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 507 25,880 SH   SOLE   25,880 0 0
EXXON MOBIL CORP COM 30231G102 730 17,708 SH   SOLE   17,708 0 0
FACEBOOK INC CL A 30303M102 1,258 4,606 SH   SOLE   4,606 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106 206 2,717 SH   SOLE   2,717 0 0
HOME DEPOT INC COM 437076102 771 2,903 SH   SOLE   2,903 0 0
HONEYWELL INTL INC COM 438516106 449 2,112 SH   SOLE   2,112 0 0
ICICI BANK LIMITED ADR 45104G104 169 11,344 SH   SOLE   11,344 0 0
IDEXX LABS INC COM 45168D104 300 600 SH   SOLE   600 0 0
INTEL CORP COM 458140100 782 15,687 SH   SOLE   15,687 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,110 61,219 SH   SOLE   61,219 0 0
ISHARES INC CORE MSCI EMKT 46434G103 211,234 3,404,806 SH   SOLE   3,404,806 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 234 3,465 SH   SOLE   3,465 0 0
ISHARES TR MBS ETF 464288588 3 31 SH   SOLE   31 0 0
ISHARES TR S&P 100 ETF 464287101 20 118 SH   SOLE   118 0 0
ISHARES TR TIPS BD ETF 464287176 1 5 SH   SOLE   5 0 0
ISHARES TR CORE S&P500 ETF 464287200 151,320 403,100 SH   SOLE   403,100 0 0
ISHARES TR CORE US AGGBD ET 464287226 201,599 1,705,721 SH   SOLE   1,705,721 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1 9 SH   SOLE   9 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 10,771 168,770 SH   SOLE   168,770 0 0
ISHARES TR 20 YR TR BD ETF 464287432 0 3 SH   SOLE   3 0 0
ISHARES TR MSCI EAFE ETF 464287465 22 295 SH   SOLE   295 0 0
ISHARES TR RUS MD CP GR ETF 464287481 444 4,330 SH   SOLE   4,330 0 0
ISHARES TR RUS MID CAP ETF 464287499 25 359 SH   SOLE   359 0 0
ISHARES TR CORE S&P MCP ETF 464287507 9 39 SH   SOLE   39 0 0
ISHARES TR EXPANDED TECH 464287515 198 560 SH   SOLE   560 0 0
ISHARES TR NASDAQ BIOTECH 464287556 3 17 SH   SOLE   17 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 959,819 3,980,340 SH   SOLE   3,980,340 0 0
ISHARES TR RUS 1000 ETF 464287622 669 3,157 SH   SOLE   3,157 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 403 1,405 SH   SOLE   1,405 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 12 62 SH   SOLE   62 0 0
ISHARES TR CORE S&P US VLU 464287663 9,351 150,359 SH   SOLE   150,359 0 0
ISHARES TR CORE S&P US GWT 464287671 118,124 1,331,874 SH   SOLE   1,331,874 0 0
ISHARES TR CORE S&P SCP ETF 464287804 123 1,333 SH   SOLE   1,333 0 0
ISHARES TR MSCI ACWI ETF 464288257 826 9,102 SH   SOLE   9,102 0 0
ISHARES TR EAFE SML CP ETF 464288273 78 1,145 SH   SOLE   1,145 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,290 11,004 SH   SOLE   11,004 0 0
ISHARES TR GLB CNSM STP ETF 464288737 7 117 SH   SOLE   117 0 0
ISHARES TR U.S. MED DVC ETF 464288810 175 535 SH   SOLE   535 0 0
ISHARES TR US HLTHCR PR ETF 464288828 84 360 SH   SOLE   360 0 0
ISHARES TR EAFE GRWTH ETF 464288885 15 144 SH   SOLE   144 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 52 707 SH   SOLE   707 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 158 2,323 SH   SOLE   2,323 0 0
ISHARES TR CORE MSCI EAFE 46432F842 70,493 1,020,309 SH   SOLE   1,020,309 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 274 6,022 SH   SOLE   6,022 0 0
ISHARES TR CORE TOTAL USD 46434V613 26 473 SH   SOLE   473 0 0
ISHARES TR TRS FLT RT BD 46434V860 360 7,159 SH   SOLE   7,159 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 630 12,466 SH   SOLE   12,466 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 540 10,766 SH   SOLE   10,766 0 0
JOHNSON & JOHNSON COM 478160104 999 6,344 SH   SOLE   6,344 0 0
JPMORGAN CHASE & CO COM 46625H100 992 7,803 SH   SOLE   7,803 0 0
KIMBERLY-CLARK CORP COM 494368103 247 1,832 SH   SOLE   1,832 0 0
LG DISPLAY CO LTD SPONS ADR REP 50186V102 150 17,747 SH   SOLE   17,747 0 0
LILLY ELI & CO COM 532457108 271 1,605 SH   SOLE   1,605 0 0
LINDE PLC SHS G5494J103 419 1,590 SH   SOLE   1,590 0 0
LOWES COS INC COM 548661107 340 2,116 SH   SOLE   2,116 0 0
MASTERCARD INCORPORATED CL A 57636Q104 362 1,013 SH   SOLE   1,013 0 0
MCGRATH RENTCORP COM 580589109 394 5,870 SH   SOLE   5,870 0 0
MERCK & CO. INC COM 58933Y105 554 6,772 SH   SOLE   6,772 0 0
METLIFE INC COM 59156R108 211 4,500 SH   SOLE   4,500 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 216 1,566 SH   SOLE   1,566 0 0
MICROSOFT CORP COM 594918104 4,229 19,014 SH   SOLE   19,014 0 0
MIZUHO FINANCIAL GROUP INC. SPONSORED ADR 60687Y109 42 16,352 SH   SOLE   16,352 0 0
MONDELEZ INTL INC CL A 609207105 284 4,854 SH   SOLE   4,854 0 0
MONROE CAP CORP COM 610335101 382 47,541 SH   SOLE   47,541 0 0
NETFLIX INC COM 64110L106 382 706 SH   SOLE   706 0 0
NIKE INC CL B 654106103 553 3,906 SH   SOLE   3,906 0 0
NOVARTIS AG SPONSORED ADR 66987V109 405 4,293 SH   SOLE   4,293 0 0
NOVO-NORDISK A S ADR 670100205 592 8,478 SH   SOLE   8,478 0 0
NVIDIA CORPORATION COM 67066G104 585 1,120 SH   SOLE   1,120 0 0
OVINTIV INC COM 69047Q102 180 12,507 SH   SOLE   12,507 0 0
PACCAR INC COM 693718108 216 2,499 SH   SOLE   2,499 0 0
PAYPAL HLDGS INC COM 70450Y103 623 2,659 SH   SOLE   2,659 0 0
PEPSICO INC COM 713448108 1,117 7,532 SH   SOLE   7,532 0 0
PFIZER INC COM 717081103 373 10,137 SH   SOLE   10,137 0 0
PHILIP MORRIS INTL INC COM 718172109 1,210 14,617 SH   SOLE   14,617 0 0
PROCTER AND GAMBLE CO COM 742718109 1,888 13,569 SH   SOLE   13,569 0 0
QUALCOMM INC COM 747525103 411 2,695 SH   SOLE   2,695 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 632 39,182 SH   SOLE   39,182 0 0
ROYAL BK CDA COM 780087102 2,397 29,214 SH   SOLE   29,214 0 0
S&P GLOBAL INC COM 78409V104 245 746 SH   SOLE   746 0 0
SALESFORCE COM INC COM 79466L302 374 1,682 SH   SOLE   1,682 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 342 5,023 SH   SOLE   5,023 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 610 16,086 SH   SOLE   16,086 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 0 5 SH   SOLE   5 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 15 128 SH   SOLE   128 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1 20 SH   SOLE   20 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 16 97 SH   SOLE   97 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5 170 SH   SOLE   170 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 2 20 SH   SOLE   20 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 63 484 SH   SOLE   484 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 9 133 SH   SOLE   133 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1 15 SH   SOLE   15 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1 13 SH   SOLE   13 0 0
SERVICENOW INC COM 81762P102 342 622 SH   SOLE   622 0 0
SPDR GOLD TR GOLD SHS 78463V107 122,529 686,974 SH   SOLE   686,974 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 6,571 134,896 SH   SOLE   134,896 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 13,314 315,807 SH   SOLE   315,807 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 22 650 SH   SOLE   650 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,462 250,732 SH   SOLE   250,732 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 200 535 SH   SOLE   535 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 122,921 2,223,196 SH   SOLE   2,223,196 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 421 13,658 SH   SOLE   13,658 0 0
SPDR SER TR S&P INS ETF 78464A789 1 23 SH   SOLE   23 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 18,307 397,199 SH   SOLE   397,199 0 0
STARBUCKS CORP COM 855244109 365 3,414 SH   SOLE   3,414 0 0
STRYKER CORPORATION COM 863667101 241 985 SH   SOLE   985 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 104 16,801 SH   SOLE   16,801 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,126 10,326 SH   SOLE   10,326 0 0
TESLA INC COM 88160R101 943 1,337 SH   SOLE   1,337 0 0
TEXAS INSTRS INC COM 882508104 504 3,067 SH   SOLE   3,067 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 316 679 SH   SOLE   679 0 0
TJX COS INC NEW COM 872540109 372 5,453 SH   SOLE   5,453 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 384 2,485 SH   SOLE   2,485 0 0
TRUIST FINL CORP COM 89832Q109 368 7,679 SH   SOLE   7,679 0 0
ULTRAPAR PARTICIPACOES SA SP ADR REP COM 90400P101 48 10,533 SH   SOLE   10,533 0 0
UNILEVER PLC SPON ADR NEW 904767704 247 4,085 SH   SOLE   4,085 0 0
UNION PAC CORP COM 907818108 409 1,965 SH   SOLE   1,965 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 183 21,727 SH   SOLE   21,727 0 0
UNITED PARCEL SERVICE INC CL B 911312106 615 3,653 SH   SOLE   3,653 0 0
UNITEDHEALTH GROUP INC COM 91324P102 719 2,050 SH   SOLE   2,050 0 0
US BANCORP DEL COM NEW 902973304 255 5,481 SH   SOLE   5,481 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,613 18,294 SH   SOLE   18,294 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,532 15,375 SH   SOLE   15,375 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,199 29,674 SH   SOLE   29,674 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 10 49 SH   SOLE   49 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 9 32 SH   SOLE   32 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 63 305 SH   SOLE   305 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 68 351 SH   SOLE   351 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 39,622 203,565 SH   SOLE   203,565 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,911 217,742 SH   SOLE   217,742 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 243 2,625 SH   SOLE   2,625 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,537 112,010 SH   SOLE   112,010 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1 18 SH   SOLE   18 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 8,110 32,728 SH   SOLE   32,728 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2 24 SH   SOLE   24 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,429 729,278 SH   SOLE   729,278 0 0
VEDANTA LIMITED SPONSORED ADR 92242Y100 93 10,609 SH   SOLE   10,609 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 505 8,599 SH   SOLE   8,599 0 0
VISA INC COM CL A 92826C839 634 2,899 SH   SOLE   2,899 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 209 5,243 SH   SOLE   5,243 0 0
WALMART INC COM 931142103 537 3,727 SH   SOLE   3,727 0 0
WIPRO LTD SPON ADR 1 SH 97651M109 103 18,308 SH   SOLE   18,308 0 0