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
PFIZER INC COM 717081103 4,429 113,049 SH   SOLE   4,429 0 0
BERKSHIRE HATHAWAY I CL B NEW 084670702 17,997 79,457 SH   SOLE   17,997 0 0
APPLE INC COM 037833100 11,782 40,121 SH   SOLE   11,782 0 0
JPMORGAN CHASE & CO COM 46625H100 12,261 87,957 SH   SOLE   12,261 0 0
CONOCOPHILLIPS COM 20825C104 11,055 169,993 SH   SOLE   11,055 0 0
RIO TINTO PLC SPONSORED ADR 767204100 12,125 204,263 SH   SOLE   12,125 0 0
VERIZON COMMUNICATIO COM 92343V104 4,898 79,773 SH   SOLE   4,898 0 0
BANK AMER CORP COM 060505104 11,356 322,431 SH   SOLE   11,356 0 0
AT&T INC COM 00206R102 4,239 108,481 SH   SOLE   4,239 0 0
ABBVIE INC COM 00287Y109 2,304 26,023 SH   SOLE   2,304 0 0
WELLS FARGO CO NEW COM 949746101 11,002 204,492 SH   SOLE   11,002 0 0
FACEBOOK INC CL A 30303M102 11,850 57,734 SH   SOLE   11,850 0 0
ALPHABET INC CAP STK CL C 02079K107 6,280 4,697 SH   SOLE   6,280 0 0
FREEPORT-MCMORAN INC CL B 35671D857 11,186 852,592 SH   SOLE   11,186 0 0
PHILIP MORRIS INTL I COM 718172109 3,782 44,443 SH   SOLE   3,782 0 0
NEWMONT GOLDCORP COR COM 651639106 9,386 216,028 SH   SOLE   9,386 0 0
BOEING CO COM 097023105 4,075 12,508 SH   SOLE   4,075 0 0
WALMART INC COM 931142103 5,058 42,563 SH   SOLE   5,058 0 0
DISNEY WALT CO COM DISNEY 254687106 12,367 85,510 SH   SOLE   12,367 0 0
PROCTER & GAMBLE CO COM 742718109 4,781 38,280 SH   SOLE   4,781 0 0
UNITEDHEALTH GROUP I COM 91324P102 5,211 17,725 SH   SOLE   5,211 0 0
ALTRIA GROUP INC COM 02209S103 2,193 43,931 SH   SOLE   2,193 0 0
INTEL CORP COM 458140100 12,245 204,591 SH   SOLE   12,245 0 0
AMGEN INC COM 031162100 1,861 7,718 SH   SOLE   1,861 0 0
VANGUARD INTL EQUITY FTSE EMR MKT ETF 922042858 31,115 699,690 SH   SOLE   31,115 0 0
FRANCO NEVADA CORP COM 351858105 2,692 26,059 SH   SOLE   2,692 0 0
CHEVRON CORP NEW COM 166764100 10,673 88,565 SH   SOLE   10,673 0 0
EXXON MOBIL CORP COM 30231G102 9,722 139,327 SH   SOLE   9,722 0 0
BHP GROUP LTD SPONSORED ADS 088606108 11,902 217,546 SH   SOLE   11,902 0 0
SUNCOR ENERGY INC NE COM 867224107 10,148 309,403 SH   SOLE   10,148 0 0
ROYAL DUTCH SHELL PL SPON ADR B 780259107 1,478 24,648 SH   SOLE   1,478 0 0
AGNICO EAGLE MINES L COM 008474108 3,413 55,402 SH   SOLE   3,413 0 0
MERCK & CO INC COM 58933Y105 3,171 34,867 SH   SOLE   3,171 0 0
JOHNSON & JOHNSON COM 478160104 5,161 35,384 SH   SOLE   5,161 0 0
BARRICK GOLD CORPORA COM 067901108 3,262 175,482 SH   SOLE   3,262 0 0
ROYAL GOLD INC COM 780287108 2,711 22,175 SH   SOLE   2,711 0 0
3M CO COM 88579Y101 3,555 20,153 SH   SOLE   3,555 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 201 2,166 SH   SOLE   201 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,455 20,948 SH   SOLE   1,455 0 0
ISHARES TR CORE S&P US GWT 464287671 2,489 36,797 SH   SOLE   2,489 0 0
ISHARES TR CORE S&P US VLU 464287663 2,273 36,063 SH   SOLE   2,273 0 0
PEPSICO INC COM 713448108 236 1,730 SH   SOLE   236 0 0
SOUTHERN COPPER CORP COM 84265V105 8,995 211,749 SH   SOLE   8,995 0 0
WHEATON PRECIOUS MET COM 962879102 2,108 70,859 SH   SOLE   2,108 0 0
COMCAST CORP NEW CL A 20030N101 4,391 97,634 SH   SOLE   4,391 0 0
SCHLUMBERGER LTD COM 806857108 8,163 203,060 SH   SOLE   8,163 0 0
POSCO SPONSORED ADR 693483109 6,882 135,964 SH   SOLE   6,882 0 0
SOUTHERN CO COM 842587107 1,381 21,676 SH   SOLE   1,381 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 205 638 SH   SOLE   205 0 0
BERKSHIRE HATHAWAY I CL A 084670108 340 1 SH   SOLE   340 0 0
CREDIT ACCEP CORP MI COM 225310101 3,711 8,390 SH   SOLE   3,711 0 0
AMERICAN INTL GROUP COM NEW 026874784 4,403 85,787 SH   SOLE   4,403 0 0
CARMAX INC COM 143130102 1,309 14,936 SH   SOLE   1,309 0 0
UPWORK INC COM 91688F104 117 10,981 SH   SOLE   117 0 0
GENERAL MTRS CO COM 37045V100 2,510 68,577 SH   SOLE   2,510 0 0
ORACLE CORP COM 68389X105 2,540 47,939 SH   SOLE   2,540 0 0
CISCO SYS INC COM 17275R102 4,181 87,168 SH   SOLE   4,181 0 0
CITIGROUP INC COM NEW 172967424 3,871 48,455 SH   SOLE   3,871 0 0
UNION PACIFIC CORP COM 907818108 4,864 26,906 SH   SOLE   4,864 0 0
BLACKROCK INC COM 09247X101 4,876 9,700 SH   SOLE   4,876 0 0
UNITED TECHNOLOGIES COM 913017109 1,493 9,968 SH   SOLE   1,493 0 0
BOOKING HLDGS INC COM 09857L108 3,904 1,901 SH   SOLE   3,904 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,097 24,450 SH   SOLE   1,097 0 0
MONDELEZ INTL INC CL A 609207105 826 15,000 SH   SOLE   826 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,279 23,786 SH   SOLE   1,279 0 0
DANAHER CORPORATION COM 235851102 509 3,318 SH   SOLE   509 0 0
O REILLY AUTOMOTIVE COM 67103H107 1,645 3,753 SH   SOLE   1,645 0 0
ROPER TECHNOLOGIES I COM 776696106 1,107 3,124 SH   SOLE   1,107 0 0
KKR & CO INC CL A 48251W104 736 25,243 SH   SOLE   736 0 0
AMERICAN TOWER CORP COM 03027X100 3,269 14,223 SH   SOLE   3,269 0 0
MARKEL CORP COM 570535104 1,168 1,022 SH   SOLE   1,168 0 0
MOODYS CORP COM 615369105 2,680 11,288 SH   SOLE   2,680 0 0
VISA INC COM CL A 92826C839 1,833 9,756 SH   SOLE   1,833 0 0
DOLLAR TREE INC COM 256746108 943 10,027 SH   SOLE   943 0 0
MASTERCARD INC CL A 57636Q104 3,164 10,596 SH   SOLE   3,164 0 0
VERISK ANALYTICS INC COM 92345Y106 754 5,052 SH   SOLE   754 0 0
SBA COMMUNICATIONS C CL A 78410G104 1,178 4,888 SH   SOLE   1,178 0 0
BROOKFIELD ASSET MGM CL A LTD VT SH 112585104 605 10,465 SH   SOLE   605 0 0
WORLD ACCEP CORP DEL COM 981419104 632 7,320 SH   SOLE   632 0 0
WAYFAIR INC CL A 94419L101 1,142 12,636 SH   SOLE   1,142 0 0
YELP INC CL A 985817105 620 17,809 SH   SOLE   620 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 547 3,344 SH   OTR   0 547 0
VANGUARD SCOTTSDALE INTER TERM TREAS 92206C706 255 3,872 SH   OTR   0 255 0
ISHARES INC CORE MSCI EMKT 46434G103 833 15,496 SH   OTR   0 833 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 696 9,055 SH   OTR   0 696 0
SPDR GOLD TRUST GOLD SHS 78463V107 436 3,050 SH   OTR   0 436 0