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
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 8,337 570,262 SH   SOLE   0 0 570,262
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 457 2,019 SH   SOLE   0 0 2,019
ISHARES TR IBOXX INV CP ETF 464287242 25,193 196,886 SH   SOLE   0 0 196,886
ISHARES TR MSCI EAFE ETF 464287465 1,080 15,550 SH   SOLE   0 0 15,550
ISHARES TR RUSSELL 2000 ETF 464287655 12,998 78,458 SH   SOLE   0 0 78,458
ISHARES TR SHORT TREAS BD 464288679 14,292 129,382 SH   SOLE   0 0 129,382
ISHARES TR MIN VOL EAFE ETF 46429B689 21,017 281,959 SH   SOLE   0 0 281,959
ISHARES TR ESG USD CORPT 46435G193 231 8,720 SH   SOLE   0 0 8,720
KRANESHARES TR QUADRTC INT RT 500767736 5,933 234,461 SH   SOLE   0 0 234,461
NORTHROP GRUMMAN CORP COM 666807102 329 956 SH   SOLE   0 0 956
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 357 13,025 SH   SOLE   0 0 13,025
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 340 6,741 SH   SOLE   0 0 6,741
SEMPRA ENERGY COM 816851109 212 1,398 SH   SOLE   0 0 1,398
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,242 13,181 SH   SOLE   0 0 13,181
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 3,035 98,775 SH   SOLE   0 0 98,775
SPDR SERIES TRUST MSCI USA STRTGIC 78468R812 19,709 208,139 SH   SOLE   0 0 208,139
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,992 85,707 SH   SOLE   0 0 85,707
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 34,401 702,203 SH   SOLE   0 0 702,203
VANGUARD GROUP DIV APP ETF 921908844 17,817 142,924 SH   SOLE   0 0 142,924
VERIZON COMMUNICATIONS INC COM 92343V104 1,817 29,593 SH   SOLE   0 0 29,593