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
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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 9 70 SH   SOLE NONE 0 0 70
Aberdeen Standard Physical Silver ETF PHYSCL SILVR SHS 003264108 19 987 SH   SOLE NONE 0 0 987
Adobe Inc COM 00724F101 8 22 SH   SOLE NONE 0 0 22
Advanced Micro COM 007903107 32 415 SH   SOLE NONE 0 0 415
Alibaba Group SPONSORED ADS 01609W102 1 10 SH   SOLE NONE 0 0 10
Allstate Corporation COM 020002101 10 82 SH   SOLE NONE 0 0 82
Alphabet Inc. Cl A CAP STK CL A 02079K305 168 77 SH   SOLE NONE 0 0 77
Alphabet Inc. Cl C CAP STK CL C 02079K107 151 69 SH   SOLE NONE 0 0 69
Amazon.com COM 023135106 308 2,900 SH   SOLE NONE 0 0 2,900
American Express Co COM 025816109 8 58 SH   SOLE NONE 0 0 58
Amgen Inc COM 031162100 2 8 SH   SOLE NONE 0 0 8
Apple Inc. COM 037833100 994 7,268 SH   SOLE NONE 0 0 7,268
Archer Daniels COM 039483102 17 220 SH   SOLE NONE 0 0 220
Arrow Electronics COM 042735100 17 154 SH   SOLE NONE 0 0 154
AT&T Inc COM 00206R102 8 394 SH   SOLE NONE 0 0 394
Axalta Coating COM G0750C108 8 345 SH   SOLE NONE 0 0 345
Bank of America Corp. COM 060505104 10 323 SH   SOLE NONE 0 0 323
Beachbody Co. Inc. COM CL A 073463101 0 100 SH   SOLE NONE 0 0 100
Berkshire Hathaway Cl B CL B NEW 084670702 96 350 SH   SOLE NONE 0 0 350
Biogen Inc COM 09062X103 1 5 SH   SOLE NONE 0 0 5
BlackRock Inc Com COM 09247X101 5 9 SH   SOLE NONE 0 0 9
Boeing Co. COM 097023105 3 23 SH   SOLE NONE 0 0 23
Borg Warner Inc Com COM 099724106 6 181 SH   SOLE NONE 0 0 181
Bristol-Myers Squibb COM 110122108 14 186 SH   SOLE NONE 0 0 186
Broadridge Financial COM 11133T103 9 60 SH   SOLE NONE 0 0 60
Canadian Natl RY Co COM 136375102 10 93 SH   SOLE NONE 0 0 93
Celsius Holdings, Inc. COM NEW 15118V207 1 19 SH   SOLE NONE 0 0 19
Chevron Corp New Com COM 166764100 17 115 SH   SOLE NONE 0 0 115
Chubb Limited Com COM H1467J104 17 84 SH   SOLE NONE 0 0 84
Cisco Systems Inc COM 17275R102 12 270 SH   SOLE NONE 0 0 270
Citigroup Inc COM NEW 172967424 6 132 SH   SOLE NONE 0 0 132
Comcast Corp New CL A 20030N101 10 246 SH   SOLE NONE 0 0 246
ConocoPhillips COM 20825C104 35 392 SH   SOLE NONE 0 0 392
Costco Wholesale COM 22160K105 12 25 SH   SOLE NONE 0 0 25
CVS Health COM 126650100 11 120 SH   SOLE NONE 0 0 120
Deere & Company COM 244199105 6 19 SH   SOLE NONE 0 0 19
Devon Energy Corp. COM 25179M103 22 400 SH   SOLE NONE 0 0 400
DFA Emerging Core Equity Market ETF EMGR CRE EQT MNG 25434V302 2,074 89,541 SH   SOLE NONE 0 0 89,541
DFA US Core Equity 2 ETF US CORE EQUITY 2 25434V708 392 16,841 SH   SOLE NONE 0 0 16,841
Discovery Inc Com Ser Anc COM SER A 934423104 1 95 SH   SOLE NONE 0 0 95
DR Horton Inc. COM 23331A109 20 298 SH   SOLE NONE 0 0 298
eBay Inc COM 278642103 3 64 SH   SOLE NONE 0 0 64
Energy Select Sector SPDR ETF ENERGY 81369Y506 22 311 SH   SOLE NONE 0 0 311
Financial Select Sector SPDR FINANCIAL 81369Y605 78 2,488 SH   SOLE NONE 0 0 2,488
FlexShares Global Upstream Resources ETF MORNSTAR UPSTR 33939L407 1,879 47,353 SH   SOLE NONE 0 0 47,353
Ford Motor Co. COM 345370860 113 10,109 SH   SOLE NONE 0 0 10,109
Franklin BSP Realty Trust Inc COMMON STOCK 35243J101 2 124 SH   SOLE NONE 0 0 124
General Dynamics COM 369550108 12 53 SH   SOLE NONE 0 0 53
General Electric Co COM NEW 369604301 1 12 SH   SOLE NONE 0 0 12
GraniteShares Gold Trust ETF SHS BEN INT 38748G101 74 4,111 SH   SOLE NONE 0 0 4,111
Healthcare Select Sector SPDR SBI HEALTHCARE 81369Y209 106 830 SH   SOLE NONE 0 0 830
Home Depot Inc. COM 437076102 15 53 SH   SOLE NONE 0 0 53
Honeywell COM 438516106 7 43 SH   SOLE NONE 0 0 43
Industrial Select Sector SPDR ETF SBI INT-INDS 81369Y704 46 524 SH   SOLE NONE 0 0 524
Intel Corp Com COM 458140100 8 203 SH   SOLE NONE 0 0 203
International Business Machines COM 459200101 83 587 SH   SOLE NONE 0 0 587
Invesco FTSE RAFI US 1500 Small-Mid ETF FTSE RAFI 1500 46137V597 77 500 SH   SOLE NONE 0 0 500
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 8 172 SH   SOLE NONE 0 0 172
iShares Core MSCI Int'l Developed Markets ETF CORE MSCI INTL 46435G326 329 6,128 SH   SOLE NONE 0 0 6,128
iShares Edge MSCI US Value Fac MSCI USA VALUE 46432F388 173 1,912 SH   SOLE NONE 0 0 1,912
iShares ESG MSCI EM ETF ESG AWR MSCI EM 46434G863 788 24,390 SH   SOLE NONE 0 0 24,390
iShares Gold Trust ISHARES NEW 464285204 952 27,750 SH   SOLE NONE 0 0 27,750
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 8 135 SH   SOLE NONE 0 0 135
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 5 115 SH   SOLE NONE 0 0 115
iShares MSCI Intl Small-Cap Multifactor ETF MSCI INTL SML CP 46434V266 42 1,467 SH   SOLE NONE 0 0 1,467
iShares Russell Mid-Cap Value ETF RUS MDCP VAL ETF 464287473 48 473 SH   SOLE NONE 0 0 473
iShares S&P Small-Cap 600 Value SP SMCP600VL ETF 464287879 26 294 SH   SOLE NONE 0 0 294
iShares TR EAFE (value Etf) EAFE VALUE ETF 464288877 167 3,857 SH   SOLE NONE 0 0 3,857
Johnson & Johnson COM 478160104 32 180 SH   SOLE NONE 0 0 180
JPMorgan Chase & Co. COM 46625H100 32 288 SH   SOLE NONE 0 0 288
Lowes Companies Inc COM 548661107 11 62 SH   SOLE NONE 0 0 62
Madden Steven Ltd. COM 556269108 11 341 SH   SOLE NONE 0 0 341
Mastercard Inc CL A CL A 57636Q104 9 30 SH   SOLE NONE 0 0 30
Materials Select Sector SPDR ETF SBI MATERIALS 81369Y100 17 225 SH   SOLE NONE 0 0 225
Medtronic PLC SHS G5960L103 11 122 SH   SOLE NONE 0 0 122
Merck & Co Inc COM 58933Y105 14 150 SH   SOLE NONE 0 0 150
Meta Platforms Inc. CL A 30303M102 81 502 SH   SOLE NONE 0 0 502
Microsoft Corp. COM 594918104 41 159 SH   SOLE NONE 0 0 159
Mondelez Intl Inc CL A 609207105 15 235 SH   SOLE NONE 0 0 235
Morgan Stanley Com COM NEW 617446448 17 221 SH   SOLE NONE 0 0 221
Nike Inc. B CL B 654106103 3 32 SH   SOLE NONE 0 0 32
Novartis A G SPONSORED ADR 66987V109 9 109 SH   SOLE NONE 0 0 109
Occidental Petroleum Corp. COM 674599105 24 400 SH   SOLE NONE 0 0 400
Oracle Corp. COM 68389X105 12 166 SH   SOLE NONE 0 0 166
Packaging Corp Of COM 695156109 10 72 SH   SOLE NONE 0 0 72
Palo Alto Networks COM 697435105 12 24 SH   SOLE NONE 0 0 24
PayPal Holdings Inc. COM 70450Y103 2 25 SH   SOLE NONE 0 0 25
Pfizer Inc COM 717081103 20 374 SH   SOLE NONE 0 0 374
PIMCO 15 Year US TIPS ETF 15+ YR US TIPS 72201R304 411 6,303 SH   SOLE NONE 0 0 6,303
Procter And Gamble COM 742718109 1 8 SH   SOLE NONE 0 0 8
Qualcomm Inc COM 747525103 12 95 SH   SOLE NONE 0 0 95
Raytheon Technologies COM 75513E101 12 124 SH   SOLE NONE 0 0 124
Ready Cap Corp Com COM 75574U101 87 7,048 SH   SOLE NONE 0 0 7,048
Rio Tinto ADR Each SPONSORED ADR 767204100 8 137 SH   SOLE NONE 0 0 137
RPAR Risk Parity ETF RPAR RISK PARI 886364603 112,569 5,763,906 SH   SOLE NONE 0 0 5,763,906
Schwab US Large Cap ETF US LRG CAP ETF 808524201 179 4,000 SH   SOLE NONE 0 0 4,000
Schwab US TIPS ETF US TIPS ETF 808524870 6,624 118,706 SH   SOLE NONE 0 0 118,706
Sensata Technologies Holding PLC SHS G8060N102 7 158 SH   SOLE NONE 0 0 158
Shopify Inc. CL A 82509L107 282 9,040 SH   SOLE NONE 0 0 9,040
Skyworks Solutions COM 83088M102 5 51 SH   SOLE NONE 0 0 51
SPDR Gold MiniShares SPDR GLD MINIS 98149E303 4,000 111,495 SH   SOLE NONE 0 0 111,495
SPDR Gold Shares GOLD SHS 78463V107 35 209 SH   SOLE NONE 0 0 209
Starbucks Corp. COM 855244109 7 90 SH   SOLE NONE 0 0 90
Taiwan Semiconductor SPONSORED ADS 874039100 5 66 SH   SOLE NONE 0 0 66
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 128 1,008 SH   SOLE NONE 0 0 1,008
Tesla Inc. COM 88160R101 20 30 SH   SOLE NONE 0 0 30
Texas Instruments COM 882508104 12 77 SH   SOLE NONE 0 0 77
Thermo Fisher COM 883556102 26 47 SH   SOLE NONE 0 0 47
Truist Financial Corp COM 89832Q109 8 170 SH   SOLE NONE 0 0 170
Ulta Beauty Inc. COM 90384S303 10 25 SH   SOLE NONE 0 0 25
Unilever PLC Spon SPON ADR NEW 904767704 13 276 SH   SOLE NONE 0 0 276
United Parcel SVC CL B 911312106 2 12 SH   SOLE NONE 0 0 12
UnitedHealth Group Inc. COM 91324P102 90 175 SH   SOLE NONE 0 0 175
UPAR Ultra Risk Parity ETF UPAR ULTRA RISK 886364595 14,923 1,034,851 SH   SOLE NONE 0 0 1,034,851
USD PSHS ULT SEMICDT 74347R669 4,032 4,031,754 SH   SOLE NONE 0 0 4,031,754
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 7,590 52,903 SH   SOLE NONE 0 0 52,903
Vanguard ESG International Stock ETF ESG INTL STK ETF 921910725 529 10,783 SH   SOLE NONE 0 0 10,783
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 1,315 19,806 SH   SOLE NONE 0 0 19,806
Vanguard Extended Duration Treasury ETF EXTENDED DUR 921910709 516 5,149 SH   SOLE NONE 0 0 5,149
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 3,841 94,148 SH   SOLE NONE 0 0 94,148
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 3,572 85,750 SH   SOLE NONE 0 0 85,750
Vanguard FTSE Pacific FTSE PACIFIC ETF 922042866 105 1,647 SH   SOLE NONE 0 0 1,647
Vanguard Intermediate-Term Treasury ETF INTER TERM TREAS 92206C706 92 1,506 SH   SOLE NONE 0 0 1,506
Vanguard Mid Cap Index ETF MID CAP ETF 922908629 16 80 SH   SOLE NONE 0 0 80
Vanguard Real Estate Index Fund ETF REAL ESTATE ETF 922908553 740 8,118 SH   SOLE NONE 0 0 8,118
Vanguard Short-Term Infl-Protect Sec ETF STRM INFPROIDX 922020805 194 3,871 SH   SOLE NONE 0 0 3,871
Vanguard Small-Cap ETF SMALL CP ETF 922908751 58 330 SH   SOLE NONE 0 0 330
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 7,734 41,001 SH   SOLE NONE 0 0 41,001
Visa Inc A COM CL A 92826C839 83 424 SH   SOLE NONE 0 0 424
WalMart Inc COM 931142103 12 100 SH   SOLE NONE 0 0 100
Walt Disney Co COM 254687106 31 331 SH   SOLE NONE 0 0 331
Xtrackers MSCI EAFE Hedged Equity XTRACK MSCI EAFE 233051200 44 1,234 SH   SOLE NONE 0 0 1,234
Zillow Group Inc. Cl C CL C CAP STK 98954M200 2 50 SH   SOLE NONE 0 0 50