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 COMPANY COM 88579Y101 276 2,024 SH   SOLE   0 0 2,024
ALIGN TECHNOLOGY COM 016255101 380 2,187 SH   SOLE   0 0 2,187
ALPHABET INC CAP STK CL C 02079K107 620 505 SH   SOLE   0 0 505
ALPHABET INC CAP STK CL A 02079K305 372 320 SH   SOLE   0 0 320
ALTRIA GROUP COM 02209S103 644 16,656 SH   SOLE   0 0 16,656
AMAZON COM COM 023135106 2,987 1,486 SH   SOLE   0 0 1,486
ANNALY CAPITAL COM 035710409 78 15,399 SH   SOLE   0 0 15,399
APPLE INC COM 037833100 3,660 14,210 SH   SOLE   0 0 14,210
AT&T INC COM 00206R102 435 14,935 SH   SOLE   0 0 14,935
BERKSHIRE HATHAWAY CL A 084670108 544 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY CL B NEW 084670702 4,394 24,095 SH   SOLE   0 0 24,095
CATERPILLAR INC COM 149123101 275 2,370 SH   SOLE   0 0 2,370
CHEVRON CORP COM 166764100 275 3,799 SH   SOLE   0 0 3,799
DANAHER CORP COM 235851102 231 1,669 SH   SOLE   0 0 1,669
EATON CORP SHS G29183103 417 5,373 SH   SOLE   0 0 5,373
ELI LILLY COM 532457108 250 1,800 SH   SOLE   0 0 1,800
EXXON MOBIL COM 30231G102 319 8,414 SH   SOLE   0 0 8,414
FORD MOTOR COM 345370860 103 21,333 SH   SOLE   0 0 21,333
GENERAL MILLS COM 370334104 301 5,703 SH   SOLE   0 0 5,703
HOME DEPOT COM 437076102 309 1,656 SH   SOLE   0 0 1,656
INTEL CORP COM 458140100 385 7,108 SH   SOLE   0 0 7,108
ISHARES 1-3YR 1 3 YR TREAS BD 464287457 3,066 35,376 SH   SOLE   0 0 35,376
ISHARES CORE CORE S&P TTL STK 464287150 14,333 246,578 SH   SOLE   0 0 246,578
ISHARES CORE CORE S&P500 ETF 464287200 1,554 6,012 SH   SOLE   0 0 6,012
ISHARES CORE CORE S&P MCP ETF 464287507 344 2,391 SH   SOLE   0 0 2,391
ISHARES CORE CORE S&P SCP ETF 464287804 455 8,111 SH   SOLE   0 0 8,111
ISHARES GOLD ISHARES 464285105 18,481 1,217,182 SH   SOLE   0 0 1,217,182
ISHARES MSCI MSCI EAFE ETF 464287465 493 9,228 SH   SOLE   0 0 9,228
ISHARES MSCI EAFE VALUE ETF 464288877 4,421 123,750 SH   SOLE   0 0 123,750
ISHARES NATIONAL NATIONAL MUN 464288414 1,447 12,801 SH   SOLE   0 0 12,801
ISHARES RUSS RUS MDCP VAL ETF 464287473 373 5,826 SH   SOLE   0 0 5,826
ISHARES RUSSELL RUS MID CAP ETF 464287499 253 5,850 SH   SOLE   0 0 5,850
ISHARES RUSSELL RUS 1000 ETF 464287622 819 5,787 SH   SOLE   0 0 5,787
ISHARES RUSSELL RUS 2000 VAL ETF 464287630 15,242 185,359 SH   SOLE   0 0 185,359
ISHARES RUSSELL RUSSELL 3000 ETF 464287689 1,669 11,255 SH   SOLE   0 0 11,255
ISHARES S&P S&P 500 GRWT ETF 464287309 203 1,230 SH   SOLE   0 0 1,230
ISHARES S&P S&P 500 VAL ETF 464287408 382 3,811 SH   SOLE   0 0 3,811
ISHARES S&P SP SMCP600VL ETF 464287879 754 7,548 SH   SOLE   0 0 7,548
ISHARES SELECT SELECT DIVID ETF 464287168 1,669 22,701 SH   SOLE   0 0 22,701
ISHARES TIPS TIPS BD ETF 464287176 11,385 96,486 SH   SOLE   0 0 96,486
JOHNSON & JOHNSON COM 478160104 704 5,183 SH   SOLE   0 0 5,183
KELLOGG CO COM 487836108 725 12,081 SH   SOLE   0 0 12,081
KIMBERLY CLARK COM 494368103 551 4,312 SH   SOLE   0 0 4,312
LCI INDS COM 50189K103 776 11,606 SH   SOLE   0 0 11,606
LINDE PLC COM G5494J103 364 2,103 SH   SOLE   0 0 2,103
MCDONALDS CORP COM 580135101 209 1,261 SH   SOLE   0 0 1,261
MERCK & COMPANY COM 58933Y105 279 3,629 SH   SOLE   0 0 3,629
MICROSOFT CORP COM 594918104 1,816 11,233 SH   SOLE   0 0 11,233
MONDELEZ INTERNATIONAL CL A 609207105 458 9,153 SH   SOLE   0 0 9,153
NETFLIX INC COM 64110L106 469 1,249 SH   SOLE   0 0 1,249
PEPSICO INC COM 713448108 639 5,324 SH   SOLE   0 0 5,324
PFIZER INC COM 717081103 809 24,788 SH   SOLE   0 0 24,788
PHILIP MORRIS COM 718172109 879 12,046 SH   SOLE   0 0 12,046
PROCTER & GAMBLE COM 742718109 1,420 12,912 SH   SOLE   0 0 12,912
QUEST DIAGNOSTICS COM 74834L100 323 4,027 SH   SOLE   0 0 4,027
SCHWAB AGGREGATE US AGGREGATE B 808524839 783 14,431 SH   SOLE   0 0 14,431
SCHWAB INTL INTL EQTY ETF 808524805 267 10,327 SH   SOLE   0 0 10,327
SCHWAB US US BRD MKT ETF 808524102 2,665 42,347 SH   SOLE   0 0 42,347
SCHWAB US US TIPS ETF 808524870 518 9,001 SH   SOLE   0 0 9,001
SPDR DOW UT SER 1 78467X109 246 1,123 SH   SOLE   0 0 1,123
SPDR GOLD GOLD SHS 78463V107 343 2,317 SH   SOLE   0 0 2,317
SPDR S&P TR UNIT 78462F103 3,072 11,717 SH   SOLE   0 0 11,717
STARBUCKS CORP COM 855244109 220 3,340 SH   SOLE   0 0 3,340
STEELCASE INC CL A 858155203 361 36,531 SH   SOLE   0 0 36,531
STRYKER CORP COM 863667101 9,820 58,980 SH   SOLE   0 0 58,980
VANGUARD DIVIDEND DIV APP ETF 921908844 1,133 10,720 SH   SOLE   0 0 10,720
VANGUARD FSTE FTSE EMR MKT ETF 922042858 4,037 120,339 SH   SOLE   0 0 120,339
VANGUARD FTSE FTSE DEV MKT ETF 921943858 587 17,611 SH   SOLE   0 0 17,611
VANGUARD FTSE FTSE SMCAP ETF 922042718 572 7,026 SH   SOLE   0 0 7,026
VANGUARD GROWTH GROWTH ETF 922908736 298 1,903 SH   SOLE   0 0 1,903
VANGUARD INFORMATION INF TECH ETF 92204A702 358 1,690 SH   SOLE   0 0 1,690
VANGUARD LARGE LARGE CAP ETF 922908637 397 3,111 SH   SOLE   0 0 3,111
VANGUARD MID MCAP VL IDXVIP 922908512 204 2,504 SH   SOLE   0 0 2,504
VANGUARD MID MID CAP ETF 922908629 625 4,750 SH   SOLE   0 0 4,750
VANGUARD REAL REAL ESTATE ETF 922908553 1,711 24,368 SH   SOLE   0 0 24,368
VANGUARD S&P S&P 500 ETF SHS 922908363 6,727 28,182 SH   SOLE   0 0 28,182
VANGUARD SHORT SHORT TRM BOND 921937827 872 10,585 SH   SOLE   0 0 10,585
VANGUARD SMALL SM CP VAL ETF 922908611 25,380 283,724 SH   SOLE   0 0 283,724
VANGUARD TOTAL VG TL INTL STK F 921909768 1,779 41,883 SH   SOLE   0 0 41,883
VANGUARD TOTAL TOTAL BND MRKT 921937835 2,499 28,942 SH   SOLE   0 0 28,942
VANGUARD TOTAL INTL BD IDX ETF 92203J407 501 8,816 SH   SOLE   0 0 8,816
VANGUARD TOTAL TT WRLD ST ETF 922042742 7,516 118,940 SH   SOLE   0 0 118,940
VANGUARD TOTAL TOTAL STK MKT 922908769 43,794 337,653 SH   SOLE   0 0 337,653
VANGUARD VALUE VALUE ETF 922908744 2,079 23,343 SH   SOLE   0 0 23,343
VISA INC COM CL A 92826C839 473 2,935 SH   SOLE   0 0 2,935
WALMART INC COM 931142103 209 1,836 SH   SOLE   0 0 1,836
ZOETIS INC CL A 98978V103 558 4,516 SH   SOLE   0 0 4,516
ALIBABA GROUP SPONSORED ADS 053792107 76 12,323 SH   SOLE   0 0 12,323
EXXON MOBIL COM 87403A107 34 19,692 SH   SOLE   0 0 19,692
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 224 4,500 SH   SOLE   0 0 4,500