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
AGNICO EAGLE MINES L COM 008474108 3,901 67,479 SH   SOLE   3,901 0 0
ALARM COM HLDGS INC COM 011642105 288 3,336 SH   SOLE   288 0 0
ALBEMARLE CORP COM 012653101 3,396 23,246 SH   SOLE   3,396 0 0
AMAZON COM INC COM 023135106 8,419 2,721 SH   SOLE   8,419 0 0
AMGEN INC COM 031162100 4,991 20,058 SH   SOLE   4,991 0 0
ANGLOGOLD ASHANTI LI SPONSORED ADR 035128206 280 12,741 SH   SOLE   280 0 0
APPLE INC COM 037833100 4,774 39,084 SH   SOLE   4,774 0 0
AUTOMATIC DATA PROCE COM 053015103 2,544 13,499 SH   SOLE   2,544 0 0
BK OF AMERICA CORP COM 060505104 453 11,708 SH   SOLE   453 0 0
BARRICK GOLD CORP COM 067901108 4,832 244,050 SH   SOLE   4,832 0 0
BERKSHIRE HATHAWAY I CL B NEW 084670702 13,407 52,480 SH   SOLE   13,407 0 0
BHP GROUP LTD SPONSORED ADS 088606108 13,588 195,817 SH   SOLE   13,588 0 0
BOEING CO COM 097023105 1,469 5,768 SH   SOLE   1,469 0 0
BROOKFIELD ASSET MGM CL A LTD VT SH 112585104 956 21,482 SH   SOLE   956 0 0
CARMAX INC COM 143130102 2,140 16,133 SH   SOLE   2,140 0 0
CATERPILLAR INC COM 149123101 281 1,214 SH   SOLE   281 0 0
CHEVRON CORP NEW COM 166764100 1,697 16,199 SH   SOLE   1,697 0 0
CREDIT ACCEP CORP MI COM 225310101 2,641 7,331 SH   SOLE   2,641 0 0
DANAHER CORPORATION COM 235851102 638 2,834 SH   SOLE   638 0 0
DISNEY WALT CO COM 254687106 4,148 22,481 SH   SOLE   4,148 0 0
DOLLAR TREE INC COM 256746108 880 7,689 SH   SOLE   880 0 0
FASTENAL CO COM 311900104 255 5,077 SH   SOLE   255 0 0
FRANCO NEV CORP COM 351858105 6,262 49,983 SH   SOLE   6,262 0 0
HOME DEPOT INC COM 437076102 2,587 8,475 SH   SOLE   2,587 0 0
HONEYWELL INTL INC COM 438516106 632 2,913 SH   SOLE   632 0 0
INTEL CORP COM 458140100 3,364 52,560 SH   SOLE   3,364 0 0
ISHARES GOLD TRUST ISHARES 464285105 44,456 2,734,094 SH   SOLE   44,456 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 35 87 SH   SOLE   35 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,589 20,948 SH   SOLE   1,589 0 0
ISHARES TR CORE S&P US GWT 464287671 3,193 35,172 SH   SOLE   3,193 0 0
ISHARES TR CORE S&P US VLU 464287663 2,485 36,063 SH   SOLE   2,485 0 0
JOHNSON & JOHNSON COM 478160104 7,275 44,266 SH   SOLE   7,275 0 0
KINROSS GOLD CORP COM 496902404 468 70,179 SH   SOLE   468 0 0
LIVE NATION ENTERTAI COM 538034109 772 9,121 SH   SOLE   772 0 0
MARKEL CORP COM 570535104 601 527 SH   SOLE   601 0 0
MICROSOFT CORP COM 594918104 7,238 30,698 SH   SOLE   7,238 0 0
MOODYS CORP COM 615369105 2,868 9,606 SH   SOLE   2,868 0 0
NEWMONT CORP COM 651639106 5,371 89,113 SH   SOLE   5,371 0 0
OCCIDENTAL PETE CORP COM 674599105 275 10,323 SH   SOLE   275 0 0
POSCO SPONSORED ADR 693483109 17,888 247,750 SH   SOLE   17,888 0 0
PEPSICO INC COM 713448108 224 1,587 SH   SOLE   224 0 0
PFIZER INC COM 717081103 6,026 166,326 SH   SOLE   6,026 0 0
PHILIP MORRIS INTL I COM 718172109 246 2,777 SH   SOLE   246 0 0
PIONEER NAT RES CO COM 723787107 361 2,276 SH   SOLE   361 0 0
PROCTER AND GAMBLE C COM 742718109 1,389 10,253 SH   SOLE   1,389 0 0
RIO TINTO PLC SPONSORED ADR 767204100 13,364 172,102 SH   SOLE   13,364 0 0
ROPER TECHNOLOGIES I COM 776696106 1,324 3,283 SH   SOLE   1,324 0 0
ROYAL GOLD INC COM 780287108 5,111 47,490 SH   SOLE   5,111 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,117 47,705 SH   OTR   1,222 896 0
SCHWAB INTERMEDIATE TERMUS TRS ETF INTRM TRM TRES 808524854 12 206 SH   SOLE   12 0 0
SEMPRA ENERGY COM 816851109 1,290 9,727 SH   SOLE   1,290 0 0
SUNCOR ENERGY INC NE COM 867224107 1,772 84,768 SH   SOLE   1,772 0 0
SYSTEMAX INC COM 871851101 264 6,427 SH   SOLE   264 0 0
TJX COS INC NEW COM 872540109 201 3,043 SH   SOLE   201 0 0
UNION PAC CORP COM 907818108 257 1,167 SH   SOLE   257 0 0
UNITED PARCEL SERVIC CL B 911312106 2,940 17,297 SH   SOLE   2,940 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 162 1,290 SH   SOLE   162 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 422 8,592 SH   SOLE   422 0 0
VANGUARD INTL EQUITY FTSE EMR MKT ETF 922042858 51,441 988,298 SH   SOLE   51,441 0 0
VAPOTHERM INC COM 922107107 226 9,405 SH   SOLE   226 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 683 3,305 SH   OTR   0 683 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 172 832 SH   SOLE   172 0 0
WALMART INC COM 931142103 7,645 56,285 SH   SOLE   7,645 0 0
WHEATON PRECIOUS MET COM 962879102 5,518 144,411 SH   SOLE   5,518 0 0
WILLIAMS COS INC COM 969457100 6,902 291,350 SH   SOLE   6,902 0 0
WORLD ACCEP CORP DEL COM 981419104 976 7,520 SH   SOLE   976 0 0
YELP INC CL A 985817105 746 19,121 SH   SOLE   746 0 0
VERISIGN INC COM 92343E102 6,459 32,495 SH   SOLE   6,459 0 0
VALE S A SPONSORED ADS 91912E105 381 21,930 SH   SOLE   381 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 368 21,660 SH   SOLE   368 0 0
CIMPRESS PLC SHS EURO G2143T103 1,468 14,663 SH   SOLE   1,468 0 0
ABERDEEN STD GOLD ET PHYSCL GOLD SHS 00326A104 165 10,083 SH   SOLE   165 0 0
ADOBE SYSTEMS INCORP COM 00724F101 926 1,948 SH   SOLE   926 0 0
ALPHABET INC CAP STK CL C 02079K107 3,413 1,650 SH   SOLE   3,413 0 0
AMERICAN TOWER CORP COM 03027X100 2,942 12,306 SH   SOLE   2,942 0 0
ANSYS INC COM 03662Q105 347 1,023 SH   SOLE   347 0 0
BLACKROCK INC COM 09247X101 3,129 4,150 SH   SOLE   3,129 0 0
BOOKING HOLDINGS INC COM 09857L108 361 155 SH   SOLE   361 0 0
CBOE GLOBAL MKTS INC COM 12503M108 1,274 12,907 SH   SOLE   1,274 0 0
CME GROUP INC COM 12572Q105 2,622 12,838 SH   SOLE   2,622 0 0
CISCO SYS INC COM 17275R102 348 6,734 SH   SOLE   348 0 0
COLONY CAP INC NEW CL A COM 19626G108 118 18,264 SH   SOLE   118 0 0
CONOCOPHILLIPS COM 20825C104 2,553 48,204 SH   SOLE   2,553 0 0
COSTCO WHSL CORP NEW COM 22160K105 7,172 20,347 SH   SOLE   7,172 0 0
COSTAR GROUP INC COM 22160N109 1,361 1,656 SH   SOLE   1,361 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,363 14,120 SH   SOLE   1,363 0 0
EOG RES INC COM 26875P101 314 4,335 SH   SOLE   314 0 0
ENBRIDGE INC COM 29250N105 6,486 178,190 SH   SOLE   6,486 0 0
EXXON MOBIL CORP COM 30231G102 1,814 32,494 SH   SOLE   1,814 0 0
FACEBOOK INC CL A 30303M102 315 1,070 SH   SOLE   315 0 0
FREEPORT-MCMORAN INC CL B 35671D857 358 10,866 SH   SOLE   358 0 0
GOLDMAN SACHS GROUP COM 38141G104 222 680 SH   SOLE   222 0 0
HESS CORP COM 42809H107 304 4,303 SH   SOLE   304 0 0
ISHARES TR CORE MSCI EAFE 46432F842 12 173 SH   SOLE   12 0 0
ISHARES INC CORE MSCI EMKT 46434G103 49,350 766,788 SH   OTR   48,339 1,012 0
ISHARES INC MSCI GBL ETF NEW 46434G848 132 3,138 SH   SOLE   132 0 0
JPMORGAN CHASE & CO COM 46625H100 3,882 25,498 SH   SOLE   3,882 0 0
KKR & CO INC COM 48251W104 1,236 25,304 SH   SOLE   1,236 0 0
MASTERCARD INCORPORA CL A 57636Q104 3,463 9,727 SH   SOLE   3,463 0 0
MERCK & CO. INC COM 58933Y105 399 5,178 SH   SOLE   399 0 0
OREILLY AUTOMOTIVE I COM 67103H107 1,643 3,239 SH   SOLE   1,643 0 0
SBA COMMUNICATIONS C CL A 78410G104 1,182 4,257 SH   SOLE   1,182 0 0
SPDR GOLD TR GOLD SHS 78463V107 773 4,835 SH   OTR   286 488 0
SPDR SER TR S&P METALS MNG 78464A755 1,176 29,451 SH   SOLE   1,176 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 5 41 SH   SOLE   5 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5 66 SH   SOLE   5 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 7 141 SH   SOLE   7 0 0
SOUTHERN COPPER CORP COM 84265V105 16,200 238,686 SH   SOLE   16,200 0 0
TC ENERGY CORP COM 87807B107 6,284 137,365 SH   SOLE   6,284 0 0
3M CO COM 88579Y101 416 2,160 SH   SOLE   416 0 0
UNITEDHEALTH GROUP I COM 91324P102 7,675 20,628 SH   SOLE   7,675 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 176 5,410 SH   SOLE   176 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1 5 SH   SOLE   1 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,679 24,690 SH   SOLE   1,679 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 5 37 SH   SOLE   5 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 203 3,020 SH   OTR   0 203 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 97 1,173 SH   SOLE   97 0 0
VERIZON COMMUNICATIO COM 92343V104 7,501 128,989 SH   SOLE   7,501 0 0
VERISK ANALYTICS INC COM 92345Y106 742 4,202 SH   SOLE   742 0 0
VIATRIS INC COM 92556V106 228 16,311 SH   SOLE   228 0 0
VISA INC COM CL A 92826C839 1,858 8,773 SH   SOLE   1,858 0 0
WAYFAIR INC CL A 94419L101 4,727 15,017 SH   SOLE   4,727 0 0
MEDTRONIC PLC SHS G5960L103 3,857 32,647 SH   SOLE   3,857 0 0