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 SILVER ETF TR PHYSCL SILVR SHS 003264108 14,766 659,199 SH   OTR   0 0 659,199
BARCLAYS BANK PLC ETN LKD 48 06746P555 13,155 588,840 SH   OTR   0 0 588,840
FLEXSHARES TR M STAR DEV MKT 33939L803 12,258 170,315 SH   OTR   0 0 170,315
GLOBAL X FDS FOUNDER RUN CO 37954Y681 1,230 36,182 SH   OTR   0 0 36,182
GLOBAL X FDS US INFR DEV ETF 37954Y673 6,607 229,474 SH   OTR   0 0 229,474
INVESCO EXCH TRD SLF IDX FD RAFI STRG US SML 46138J734 2,930 74,419 SH   OTR   0 0 74,419
INVESCO QQQ TR UNIT SER 1 46090E103 7,290 18,323 SH   OTR   0 0 18,323
ISHARES GOLD TR ISHARES NEW 464285204 15,071 432,945 SH   OTR   0 0 432,945
ISHARES TR BLACKROCK ULTRA 46434V878 1,814 36,009 SH   OTR   0 0 36,009
ISHARES TR FALN ANGLS USD 46435G474 27,834 928,745 SH   OTR   0 0 928,745
ISHARES TR CONV BD ETF 46435G102 3,332 37,358 SH   OTR   0 0 37,358
ISHARES U S ETF TR INFLATION HEDG 46431W580 10,084 329,644 SH   OTR   0 0 329,644
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 17,884 465,476 SH   OTR   0 0 465,476
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,158 281,697 SH   OTR   0 0 281,697
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,618 210,560 SH   OTR   0 0 210,560
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,560 93,990 SH   OTR   0 0 93,990
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 15,894 271,177 SH   OTR   0 0 271,177
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,931 97,287 SH   OTR   0 0 97,287
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 11,137 359,389 SH   OTR   0 0 359,389
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 23,260 287,769 SH   OTR   0 0 287,769
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,330 337,982 SH   OTR   0 0 337,982
SPDR SER TR RUSSELL YIELD 78468R770 11,056 110,152 SH   OTR   0 0 110,152
SPDR SER TR SPDR S&P1500VL 78464A128 19,888 127,744 SH   OTR   0 0 127,744
SPDR SER TR BLOOMBERG CONV 78464A359 2,607 31,423 SH   OTR   0 0 31,423
SPDR SER TR PORTFLI HIGH YLD 78468R606 11,994 451,407 SH   OTR   0 0 451,407
VANECK ETF TRUST INVESTMENT GRD 92189F486 2,360 93,401 SH   OTR   0 0 93,401
VANGUARD INDEX FDS MID CAP ETF 922908629 14,629 57,422 SH   OTR   0 0 57,422
VANGUARD INDEX FDS SMALL CP ETF 922908751 996 4,408 SH   OTR   0 0 4,408
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,464 8,185 SH   OTR   0 0 8,185
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,706 18,484 SH   OTR   0 0 18,484
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,843 67,158 SH   OTR   0 0 67,158
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,665 49,754 SH   OTR   0 0 49,754
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 12,890 119,981 SH   OTR   0 0 119,981
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,302 240,934 SH   OTR   0 0 240,934
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 7,672 98,796 SH   OTR   0 0 98,796