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 9,023 595,575 SH   SOLE   0 0 595,575
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 369 2,019 SH   SOLE   0 0 2,019
ISHARES TR IBOXX INV CP ETF 464287242 24,637 199,474 SH   SOLE   0 0 199,474
ISHARES TR MSCI EAFE ETF 464287465 751 14,048 SH   SOLE   0 0 14,048
ISHARES TR RUSSELL 2000 ETF 464287655 8,994 78,579 SH   SOLE   0 0 78,579
ISHARES TR SHORT TREAS BD 464288679 14,192 127,836 SH   SOLE   0 0 127,836
ISHARES TR MIN VOL EAFE ETF 46429B689 17,528 282,478 SH   SOLE   0 0 282,478
ISHARES TR ESG USD CORPT 46435G193 225 8,759 SH   SOLE   0 0 8,759
KRANESHARES TR QUADRTC INT RT 500767736 6,279 243,197 SH   SOLE   0 0 243,197
NORTHROP GRUMMAN CORP COM 666807102 289 956 SH   SOLE   0 0 956
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 252 12,197 SH   SOLE   0 0 12,197
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 350 6,762 SH   SOLE   0 0 6,762
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,256 28,150 SH   SOLE   0 0 28,150
SPDR SER TR BLOMBERG BRC INV 78468R200 3,037 103,316 SH   SOLE   0 0 103,316
SPDR SER TR MSCI USA STRTGIC 78468R812 15,156 198,432 SH   SOLE   0 0 198,432
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,360 83,990 SH   SOLE   0 0 83,990
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 4,411 91,981 SH   SOLE   0 0 91,981
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,085 136,233 SH   SOLE   0 0 136,233
VERIZON COMMUNICATIONS INC COM 92343V104 1,683 31,325 SH   SOLE   0 0 31,325
WISDOMTREE TR YIELD ENHANCD US 97717X511 27,984 541,797 SH   SOLE   0 0 541,797