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
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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
GOLD TRUST ISHARES 464285105 3,898 216,699 SH   SOLE   136,309 0 80,390
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,272 98,791 SH   SOLE   75,061 0 23,730
ISHARES TR MSCI EMG MKT ETF 464287234 3,433 77,872 SH   SOLE   64,800 0 13,072
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,411 75,804 SH   SOLE   68,928 0 6,876
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,015 73,714 SH   SOLE   48,324 0 25,390
ISHARES TR MSCI EAFE ETF 464287465 4,607 72,382 SH   SOLE   57,715 0 14,667
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,466 63,665 SH   SOLE   36,835 0 26,830
ISHARES TR CORE S&P500 ETF 464287200 18,638 55,460 SH   SOLE   41,300 0 14,160
SPDR SER TR BLOMBERG BRC INV 78468R200 1,687 55,170 SH   SOLE   44,540 0 10,630
ISHARES TR CORE US AGGBD ET 464287226 6,210 52,597 SH   SOLE   46,157 0 6,440
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,189 49,395 SH   SOLE   49,062 0 333
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,367 47,454 SH   SOLE   28,254 0 19,200
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 875 44,920 SH   SOLE   32,815 0 12,105
SPDR SER TR PORTFOLIO SHORT 78464A474 1,395 44,457 SH   SOLE   39,137 0 5,320
ISHARES TR CORE S&P MCP ETF 464287507 6,348 34,256 SH   SOLE   28,555 0 5,701
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 171 31,500 SH   SOLE   31,500 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,534 29,257 SH   SOLE   28,600 0 657
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,338 28,603 SH   SOLE   26,883 0 1,720
ISHARES TR CORE S&P SCP ETF 464287804 1,674 23,835 SH   SOLE   17,975 0 5,860
ENTERPRISE PRODS PARTNERS L COM 293792107 359 22,710 SH   SOLE   22,710 0 0
ISHARES TR U.S. REAL ES ETF 464287739 1,645 20,601 SH   SOLE   17,289 0 3,312
ISHARES TR NATIONAL MUN ETF 464288414 2,366 20,410 SH   SOLE   11,390 0 9,020
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,705 17,588 SH   SOLE   15,232 0 2,356
ISHARES TR 1 3 YR TREAS BD 464287457 1,518 17,550 SH   SOLE   17,550 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,817 17,230 SH   SOLE   16,700 0 530
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,155 16,980 SH   SOLE   16,520 0 460
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 980 16,505 SH   SOLE   16,325 0 180
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 861 13,431 SH   SOLE   13,134 0 297
ISHARES TR ISHS 5-10YR INVT 464288638 791 13,009 SH   SOLE   12,029 0 980
BK OF AMERICA CORP COM 060505104 296 12,300 SH   SOLE   11,900 0 400
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 927 12,037 SH   SOLE   11,872 0 165
ISHARES TR IBOXX INV CP ETF 464287242 1,564 11,609 SH   SOLE   8,569 0 3,040
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 356 10,412 SH   SOLE   10,412 0 0
APPLE INC COM 037833100 1,117 9,647 SH   SOLE   7,960 0 1,687
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,395 9,491 SH   SOLE   9,101 0 390
SPDR S&P 500 ETF TR TR UNIT 78462F103 957 2,859 SH   SOLE   1,552 0 1,307
AMAZON COM INC COM 023135106 878 279 SH   SOLE   245 0 34
SALESFORCE COM INC COM 79466L302 826 3,285 SH   SOLE   3,125 0 160
MICROSOFT CORP COM 594918104 515 2,450 SH   SOLE   2,300 0 150
MONDELEZ INTL INC CL A 609207105 486 8,459 SH   SOLE   8,459 0 0
ISHARES TR IBOXX HI YD ETF 464288513 485 5,782 SH   SOLE   4,579 0 1,203
UNITEDHEALTH GROUP INC COM 91324P102 461 1,480 SH   SOLE   1,480 0 0
VISA INC COM CL A 92826C839 430 2,150 SH   SOLE   2,150 0 0
NOVARTIS AG SPONSORED ADR 66987V109 424 4,875 SH   SOLE   4,875 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 422 7,000 SH   SOLE   6,950 0 50
ALPHABET INC CAP STK CL A 02079K305 416 284 SH   SOLE   209 0 75
CVS HEALTH CORP COM 126650100 380 6,500 SH   SOLE   6,500 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 374 1,755 SH   SOLE   1,680 0 75
WORKDAY INC CL A 98138H101 344 1,600 SH   SOLE   1,600 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 342 5,946 SH   SOLE   5,946 0 0
PALO ALTO NETWORKS INC COM 697435105 318 1,300 SH   SOLE   1,300 0 0
PFIZER INC COM 717081103 303 8,250 SH   SOLE   8,000 0 250
PHILIP MORRIS INTL INC COM 718172109 297 3,960 SH   SOLE   3,960 0 0
CONSTELLATION BRANDS INC CL A 21036P108 284 1,500 SH   SOLE   1,500 0 0
BLACKROCK INC COM 09247X101 282 500 SH   SOLE   500 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 257 6,569 SH   SOLE   4,425 0 2,144
SERVICENOW INC COM 81762P102 255 525 SH   SOLE   525 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 252 3,188 SH   SOLE   1,867 0 1,321
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 243 3,825 SH   SOLE   3,785 0 40
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 242 4,500 SH   SOLE   4,500 0 0
MARATHON PETE CORP COM 56585A102 238 8,100 SH   SOLE   8,100 0 0
HUBBELL INC COM 443510607 233 1,700 SH   SOLE   1,700 0 0
BECTON DICKINSON & CO COM 075887109 233 1,000 SH   SOLE   1,000 0 0
STATE STR CORP COM 857477103 231 3,900 SH   SOLE   3,900 0 0
VIACOMCBS INC CL B 92556H206 227 8,100 SH   SOLE   8,100 0 0
TYSON FOODS INC CL A 902494103 220 3,700 SH   SOLE   3,700 0 0
VMWARE INC CL A COM 928563402 216 1,500 SH   SOLE   1,500 0 0
ENBRIDGE INC COM 29250N105 213 7,300 SH   SOLE   7,300 0 0