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
ABRDN ETFS BBRG ALL COMD K1 003261104 5,366 233,455 SH   SOLE   233,455 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 285 504 SH   SOLE   504 0 0
ALEXCO RESOURCE CORP COM 01535P106 17 10,000 SH   SOLE   10,000 0 0
ALPHABET INC CAP STK CL A 02079K305 1,391 479 SH   SOLE   479 0 0
ALPHABET INC CAP STK CL C 02079K107 1,771 612 SH   SOLE   612 0 0
AMAZON COM INC COM 023135106 4,785 1,436 SH   SOLE   1,436 0 0
AMERICAN TOWER CORP NEW COM 03027X100 290 984 SH   SOLE   984 0 0
AMGEN INC COM 031162100 2,192 9,737 SH   SOLE   9,737 0 0
AON PLC SHS CL A G0403H108 1,852 6,166 SH   SOLE   6,166 0 0
APPLE INC COM 037833100 16,530 93,057 SH   SOLE   93,057 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 6,309 14 SH   SOLE   14 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,387 11,327 SH   SOLE   11,327 0 0
BK OF AMERICA CORP COM 060505104 1,386 31,154 SH   SOLE   31,154 0 0
BLACKROCK INC COM 09247X101 328 354 SH   SOLE   354 0 0
BOEING CO COM 097023105 504 2,511 SH   SOLE   2,511 0 0
CHEVRON CORP NEW COM 166764100 416 3,544 SH   SOLE   3,544 0 0
CISCO SYS INC COM 17275R102 604 9,524 SH   SOLE   9,524 0 0
COHEN & STEERS REIT & PFD & COM 19247X100 246 8,584 SH   SOLE   8,584 0 0
COMCAST CORP NEW CL A 20030N101 320 6,276 SH   SOLE   6,276 0 0
COSTCO WHSL CORP NEW COM 22160K105 263 462 SH   SOLE   462 0 0
COTY INC COM CL A 222070203 153 14,500 SH   SOLE   14,500 0 0
DANAHER CORPORATION COM 235851102 222 674 SH   SOLE   674 0 0
DISNEY WALT CO COM 254687106 898 5,803 SH   SOLE   5,803 0 0
DOW INC COM 260557103 205 3,616 SH   SOLE   3,616 0 0
ENDO INTL PLC SHS G30401106 45 12,000 SH   SOLE   12,000 0 0
FORTUNA SILVER MINES INC COM 349915108 39 10,000 SH   SOLE   10,000 0 0
GENERAL ELECTRIC CO COM NEW 369604301 382 4,056 SH   SOLE   4,056 0 0
GLOBAL X FDS US PFD ETF 37954Y657 5,136 199,451 SH   SOLE   199,451 0 0
GOLD FIELDS LTD SPONSORED ADR 38059T106 440 40,000 SH   SOLE   40,000 0 0
GREAT PANTHER MNG LTD COM 39115V101 4 20,000 SH   SOLE   20,000 0 0
HOME DEPOT INC COM 437076102 600 1,446 SH   SOLE   1,446 0 0
INTEL CORP COM 458140100 509 9,842 SH   SOLE   9,842 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 402 3,006 SH   SOLE   3,006 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 1,310 93,399 SH   SOLE   93,399 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,248 3,131 SH   SOLE   3,131 0 0
IONQ INC COM 46222L108 710 42,500 SH   SOLE   42,500 0 0
ISHARES INC CORE MSCI EMKT 46434G103 398 6,653 SH   SOLE   6,653 0 0
ISHARES TR CORE MSCI EAFE 46432F842 417 5,602 SH   SOLE   5,602 0 0
ISHARES TR CORE S&P MCP ETF 464287507 467 1,654 SH   SOLE   1,654 0 0
ISHARES TR EAFE SML CP ETF 464288273 2,000 27,391 SH   SOLE   27,391 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 5,977 195,036 SH   SOLE   195,036 0 0
ISHARES TR GLOBAL TECH ETF 464287291 717 11,130 SH   SOLE   11,130 0 0
ISHARES TR MICRO-CAP ETF 464288869 6,871 49,229 SH   SOLE   49,229 0 0
ISHARES TR MSCI ACWI ETF 464288257 270 2,552 SH   SOLE   2,552 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 395 4,885 SH   SOLE   4,885 0 0
ISHARES TR PFD AND INCM SEC 464288687 422 10,720 SH   SOLE   10,720 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 643 2,108 SH   SOLE   2,108 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 632 3,776 SH   SOLE   3,776 0 0
ISHARES TR RUS MD CP GR ETF 464287481 377 3,280 SH   SOLE   3,280 0 0
ISHARES TR TIPS BD ETF 464287176 2,080 16,109 SH   SOLE   16,109 0 0
ISHARES TR USD INV GRDE ETF 464288620 3,303 55,392 SH   SOLE   55,392 0 0
JOHNSON & JOHNSON COM 478160104 3,212 18,782 SH   SOLE   18,782 0 0
JPMORGAN CHASE & CO COM 46625H100 1,876 11,845 SH   SOLE   11,845 0 0
KINROSS GOLD CORP COM 496902404 436 75,000 SH   SOLE   75,000 0 0
LOCKHEED MARTIN CORP COM 539830109 228 634 SH   SOLE   634 0 0
LOWES COS INC COM 548661107 265 1,029 SH   SOLE   1,029 0 0
MCDONALDS CORP COM 580135101 312 1,163 SH   SOLE   1,163 0 0
MERCK & CO INC COM 58933Y105 435 5,683 SH   SOLE   5,683 0 0
META PLATFORMS INC CL A 30303M102 2,038 6,059 SH   SOLE   6,059 0 0
MICROSOFT CORP COM 594918104 2,593 7,716 SH   SOLE   7,716 0 0
MP MATERIALS CORP COM CL A 553368101 466 10,269 SH   SOLE   10,269 0 0
NETFLIX INC COM 64110L106 586 972 SH   SOLE   972 0 0
NEWMONT CORP COM 651639106 436 7,024 SH   SOLE   7,024 0 0
NEXTERA ENERGY INC COM 65339F101 238 2,557 SH   SOLE   2,557 0 0
NVIDIA CORPORATION COM 67066G104 1,023 3,480 SH   SOLE   3,480 0 0
ORACLE CORP COM 68389X105 441 5,054 SH   SOLE   5,054 0 0
PAYPAL HLDGS INC COM 70450Y103 531 2,813 SH   SOLE   2,813 0 0
PFIZER INC COM 717081103 375 6,343 SH   SOLE   6,343 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,003 9,881 SH   SOLE   9,881 0 0
PRUDENTIAL FINL INC COM 744320102 343 3,162 SH   SOLE   3,162 0 0
QUALCOMM INC COM 747525103 335 1,823 SH   SOLE   1,823 0 0
SALESFORCE COM INC COM 79466L302 439 1,723 SH   SOLE   1,723 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 68 11,000 SH   SOLE   11,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,244 31,997 SH   SOLE   31,997 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7,639 186,380 SH   SOLE   186,380 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 448 2,734 SH   SOLE   2,734 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 484 4,716 SH   SOLE   4,716 0 0
SIBANYE STILLWATER LTD SPONSORED ADR 82575P107 125 10,000 SH   SOLE   10,000 0 0
SPDR GOLD TR GOLD SHS 78463V107 743 4,346 SH   SOLE   4,346 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,264 336,139 SH   SOLE   336,139 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 565 1,194 SH   SOLE   1,194 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 11,083 119,484 SH   SOLE   119,484 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 9,919 117,139 SH   SOLE   117,139 0 0
STARBUCKS CORP COM 855244109 283 2,416 SH   SOLE   2,416 0 0
TARGET CORP COM 87612E106 428 1,845 SH   SOLE   1,845 0 0
TESLA INC COM 88160R101 1,505 1,426 SH   SOLE   1,426 0 0
TEXAS INSTRS INC COM 882508104 206 1,090 SH   SOLE   1,090 0 0
UBER TECHNOLOGIES INC COM 90353T100 310 7,399 SH   SOLE   7,399 0 0
UNION PAC CORP COM 907818108 209 826 SH   SOLE   826 0 0
UNITED PARCEL SERVICE INC CL B 911312106 437 2,030 SH   SOLE   2,030 0 0
UNITEDHEALTH GROUP INC COM 91324P102 639 1,265 SH   SOLE   1,265 0 0
US BANCORP DEL COM NEW 902973304 1,447 25,751 SH   SOLE   25,751 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 251 2,864 SH   SOLE   2,864 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 19,736 61,454 SH   SOLE   61,454 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 408 1,846 SH   SOLE   1,846 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 14,517 57,003 SH   SOLE   57,003 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,921 72,624 SH   SOLE   72,624 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 969 3,803 SH   SOLE   3,803 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 779 4,359 SH   SOLE   4,359 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 546 1,937 SH   SOLE   1,937 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 956 3,969 SH   SOLE   3,969 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 16,997 115,550 SH   SOLE   115,550 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,534 172,603 SH   SOLE   172,603 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,162 4,362 SH   SOLE   4,362 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 285 620 SH   SOLE   620 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 460 8,872 SH   SOLE   8,872 0 0
VISA INC COM CL A 92826C839 884 4,081 SH   SOLE   4,081 0 0
WALMART INC COM 931142103 290 2,007 SH   SOLE   2,007 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 515 12,000 SH   SOLE   12,000 0 0