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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   180,694 915 SH   OTR   0 915 0
ABBVIE INC COM 00287Y109   195,505 990 SH   SOLE   990 0 0
AGNICO EAGLE MINES LTD COM 008474108   150,647 1,870 SH   OTR   0 1,870 0
AGNICO EAGLE MINES LTD COM 008474108   188,430 2,339 SH   SOLE   2,339 0 0
ALBEMARLE CORP COM 012653101   1,958,698 20,681 SH   SOLE   20,681 0 0
ALPHABET INC CAP STK CL C 02079K107   8,861,572 53,003 SH   SOLE   53,003 0 0
ALTRIA GROUP INC COM 02209S103   213,704 4,187 SH   SOLE   4,187 0 0
AMAZON COM INC COM 023135106   8,420,998 45,194 SH   SOLE   45,194 0 0
AMGEN INC COM 031162100   5,011,977 15,555 SH   SOLE   15,555 0 0
ANGUARD WORLD FD MEGA CAP INDEX 921910873   594,917 2,879 SH   SOLE   2,879 0 0
APPLE INC COM 037833100   8,772,683 37,651 SH   SOLE   37,651 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   1,042,344 17,448 SH   SOLE   17,448 0 0
AT&T INC COM 00206R102   482,680 21,940 SH   SOLE   21,940 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   1,636,581 5,914 SH   SOLE   5,914 0 0
BANK AMERICA CORP COM 060505104   764,237 19,260 SH   SOLE   19,260 0 0
BARRICK GOLD CORP COM 067901108   372,381 18,722 SH   SOLE   18,722 0 0
BARRICK GOLD CORP COM 067901108   126,262 6,348 SH   OTR   0 6,348 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   24,403,445 53,021 SH   SOLE   53,021 0 0
BHP GROUP LTD SPONSORED ADS 088606108   276,017 4,444 SH   OTR   0 4,444 0
BHP GROUP LTD SPONSORED ADR 088606108   9,056,259 145,810 SH   SOLE   145,810 0 0
BLACKROCK INC COM 09290D101   4,033,518 4,248 SH   SOLE   4,248 0 0
BOEING CO COM 097023105   1,507,020 9,912 SH   SOLE   9,912 0 0
BOOKING HOLDINGS INC COM 09857L108   686,576 163 SH   SOLE   163 0 0
CANADIAN NAT RES LTD COM 136385101   4,419,919 133,090 SH   SOLE   133,090 0 0
CARMAX INC COM 143130102   291,645 3,769 SH   SOLE   3,769 0 0
CATERPILLAR INC COM 149123101   471,300 1,205 SH   SOLE   1,205 0 0
CHENIERE ENERGY INC COM NEW 16411R208   12,339,749 68,615 SH   SOLE   68,615 0 0
CHEVRON CORP NEW COM 166764100   3,912,375 26,566 SH   SOLE   26,566 0 0
CISCO SYS INC COM 17275R102   1,724,754 32,408 SH   SOLE   32,408 0 0
CONOCOPHILLIPS COM 20825C104   220,983 2,099 SH   OTR   0 2,099 0
CONOCOPHILLIPS COM 20825C104   4,508,827 42,827 SH   SOLE   42,827 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,015,941 3,402 SH   SOLE   3,402 0 0
CREDIT ACCEP CORP MICH COM 225310101   4,637,730 10,459 SH   SOLE   10,459 0 0
CUMMINS INC COM 231021106   647,580 2,000 SH   SOLE   2,000 0 0
DANAHER CORPORATION COM 235851102   1,018,943 3,665 SH   SOLE   3,665 0 0
DEERE & CO COM 244199105   1,115,106 2,672 SH   SOLE   2,672 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   117,602 2,113 SH   OTR   0 2,113 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   546,212 18,796 SH   SOLE   18,796 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   279,053 5,016 SH   SOLE   5,016 0 0
DISNEY WALT CO COM 254687106   2,066,257 21,481 SH   SOLE   21,481 0 0
DOLLAR GEN CORP NEW COM 256677105   519,514 6,143 SH   SOLE   6,143 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   219,070 1,900 SH   SOLE   1,900 0 0
ENBRIDGE INC COM 29250N105   253,772 6,249 SH   OTR   0 6,249 0
ENBRIDGE INC COM 29250N105   13,232,809 325,851 SH   SOLE   325,851 0 0
ENOVA INTL INC COM 29357K103   497,042 5,932 SH   SOLE   5,932 0 0
ENTERPRISE PRODS PARTNERS L P COM 293792107   1,672,573 57,457 SH   SOLE   57,457 0 0
EOG RES INC COM 26875P101   1,302,075 10,592 SH   SOLE   10,592 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   238,735 9,500 SH   SOLE   9,500 0 0
EXXON MOBIL CORP COM 30231G102   2,364,210 20,169 SH   SOLE   20,169 0 0
FRANCO NEV CORP COM 351858105   96,045 773 SH   OTR   0 773 0
FRANCO NEV CORP COM 351858105   323,547 2,604 SH   SOLE   2,604 0 0
FREEPORT-MCMORAN INC CL B 35671D857   4,766,062 95,474 SH   SOLE   95,474 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   901,100 1,820 SH   SOLE   1,820 0 0
HESS CORP COM 42809H107   582,989 4,293 SH   SOLE   4,293 0 0
HOME DEPOT INC COM 437076102   5,110,788 12,613 SH   SOLE   12,613 0 0
HONEYWELL INTL INC COM 438516106   2,166,114 10,479 SH   SOLE   10,479 0 0
INGERSOLL RAND INC COM 45687V106   436,518 4,447 SH   SOLE   4,447 0 0
INTEL CORP COM 458140100   1,470,285 62,672 SH   SOLE   62,672 0 0
ISHARES GOLD TR ISHARES NEW 464285204   8,259,991 166,197 SH   SOLE   166,197 0 0
ISHARES GOLD TR SHARES REPRESENT 46436F103   4,904,366 186,833 SH   SOLE   186,833 0 0
ISHARES INC CORE MSCI EMKT 46434G103   366,046 6,376 SH   SOLE   6,376 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848   8,982,923 207,889 SH   SOLE   207,889 0 0
ISHARES TR CORE S&P US GWT 464287671   2,055,685 15,584 SH   OTR   0 15,584 0
ISHARES TR CORE S&P US VLU 464287663   1,538,630 16,113 SH   OTR   0 16,113 0
ISHARES TR MSCI EAFE ETF 464287465   1,751,881 20,948 SH   OTR   0 20,948 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   711,123 7,060 SH   SOLE   7,060 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   22,011,567 217,248 SH   SOLE   217,248 0 0
ISHARES TR ISHARES BIOTECH 464287556   2,452,923 16,847 SH   SOLE   16,847 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   411,200 3,496 SH   SOLE   3,496 0 0
ISHARES TR CORE S&P500 ETF 464287200   268,221 465 SH   SOLE   465 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,274,350 18,105 SH   SOLE   18,105 0 0
ISHARES TR CORE S&P US GWT 464287671   1,581,601 11,990 SH   SOLE   11,990 0 0
ISHARES TR CORE S&P US VLU 464287663   1,866,352 19,545 SH   SOLE   19,545 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,931 47 SH   SOLE   47 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,327,212 13,244 SH   SOLE   13,244 0 0
ISHARES TR US TREAS BD ETF 46429B267   7,372,009 314,371 SH   SOLE   314,371 0 0
JOHNSON & JOHNSON COM 478160104   4,919,980 30,359 SH   SOLE   30,359 0 0
JPMORGAN CHASE & CO. COM 46625H100   2,832,272 13,432 SH   SOLE   13,432 0 0
JPMORGAN CHASE & CO. COM 46625H100   177,333 841 SH   OTR   0 841 0
KINROSS GOLD CORP COM 496902404   121,512 12,982 SH   SOLE   12,982 0 0
LOWES COS INC COM 548661107   655,457 2,420 SH   SOLE   2,420 0 0
LPL FINL HLDGS INC COM 50212V100   527,140 2,266 SH   SOLE   2,266 0 0
MARKEL GROUP INC COM 570535104   4,495,550 2,866 SH   SOLE   2,866 0 0
MASTERCARD INCORPORATED CL A 57636Q104   4,756,775 9,633 SH   SOLE   9,633 0 0
MCDONALDS CORP COM 580135101   112,973 371 SH   OTR   0 371 0
MCDONALDS CORP COM 580135101   987,830 3,244 SH   SOLE   3,244 0 0
MEDTRONIC PLC SHS G5960L103   2,098,059 23,304 SH   SOLE   23,304 0 0
MERCK & CO INC COM 58933Y105   55,417 488 SH   OTR   0 488 0
MERCK & CO INC COM 58933Y105   351,014 3,091 SH   SOLE   3,091 0 0
META PLATFORMS INC CL A 30303M102   3,815,885 6,666 SH   SOLE   6,666 0 0
MICROSOFT CORP COM 594918104   5,924,370 13,768 SH   SOLE   13,768 0 0
MPLX LP COM UNIT REP LTD 55336V100   282,321 6,350 SH   SOLE   6,350 0 0
NEWMONT CORP COM 651639106   116,628 2,182 SH   OTR   0 2,182 0
NEWMONT CORP COM 651639106   427,974 8,007 SH   SOLE   8,007 0 0
OCCIDENTAL PETE CORP COM 674599105   380,262 7,378 SH   SOLE   7,378 0 0
PAYCOM SOFTWARE INC COM 70432V102   4,364,967 26,205 SH   SOLE   26,205 0 0
PAYPAL HLDGS INC COM 70450Y103   1,035,068 13,265 SH   SOLE   13,265 0 0
PEPSICO INC COM 713448108   103,560 609 SH   OTR   0 609 0
PEPSICO INC COM 713448108   166,309 978 SH   SOLE   978 0 0
PFIZER INC COM 717081103   1,822,757 62,984 SH   SOLE   62,984 0 0
PHILIP MORRIS INTL INC COM 718172109   377,068 3,106 SH   SOLE   3,106 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   2,233,320 38,672 SH   SOLE   38,672 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109   3,754,474 53,643 SH   SOLE   53,643 0 0
PROCTER AND GAMBLE CO COM 742718109   71,705 414 SH   OTR   0 414 0
PROCTER AND GAMBLE CO COM 742718109   1,164,250 6,722 SH   SOLE   6,722 0 0
RIO TINTO PLC SPONSORED ADR 767204100   298,700 4,197 SH   OTR   0 4,197 0
RIO TINTO PLC SPONSORED ADR 767204100   9,324,836 131,022 SH   SOLE   131,022 0 0
SCHLUMBERGER LTD COM STK 806857108   2,074,344 49,448 SH   SOLE   49,448 0 0
SCHWAB CHARLES CORP COM 808513105   1,415,256 21,837 SH   SOLE   21,837 0 0
SCHWAB CHARLES CORP COM 808513105   161,960 2,499 SH   OTR   0 2,499 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   954,560 17,799 SH   OTR   0 17,799 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,242,751 42,589 SH   SOLE   42,589 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   17,075,847 337,467 SH   SOLE   337,467 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   16,193,768 330,620 SH   SOLE   330,620 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   542,536 8,155 SH   SOLE   8,155 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   47,058,636 877,468 SH   SOLE   877,468 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   1,641,158 18,692 SH   SOLE   18,692 0 0
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   225,023 1,461 SH   SOLE   1,461 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   724,673 8,731 SH   SOLE   8,731 0 0
SEMPRA COM 816851109   511,648 6,118 SH   SOLE   6,118 0 0
SOUTHERN COPPER CORP COM 84265V105   359,502 3,108 SH   OTR   0 3,108 0
SOUTHERN COPPER CORP COM 84265V105   10,746,090 92,903 SH   SOLE   92,903 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,223,321 5,033 SH   SOLE   5,033 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   8,742,068 332,651 SH   SOLE   332,651 0 0
SPDR SER TR S&P BIOTECH 78464A870   2,836,647 28,711 SH   SOLE   28,711 0 0
SPDR SER TR S&P METALS MNG 78464A755   2,442,196 38,327 SH   SOLE   38,327 0 0
SUNCOR ENERGY INC NEW COM 867224107   783,590 21,224 SH   SOLE   21,224 0 0
TC ENERGY CORP COM 87807B107   275,885 5,802 SH   OTR   0 5,802 0
TC ENERGY CORP COM 87807B107   13,839,903 291,060 SH   SOLE   291,060 0 0
TJX COS INC NEW COM 872540109   389,763 3,316 SH   SOLE   3,316 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   2,557,789 39,582 SH   SOLE   39,582 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   1,959,199 5,040 SH   SOLE   5,040 0 0
UNION PAC CORP COM 907818108   287,642 1,167 SH   SOLE   1,167 0 0
UNITED PARCEL SERVICE INC CL B 911312106   2,205,981 16,180 SH   SOLE   16,180 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,909,755 6,687 SH   SOLE   6,687 0 0
VALE S A SPONSORED ADS 91912E105   6,017,513 515,198 SH   SOLE   515,198 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   1,971,364 18,223 SH   SOLE   18,223 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   211,012 2,166 SH   OTR   0 2,166 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,905,908 7,224 SH   SOLE   7,224 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,288,570 2,442 SH   SOLE   2,442 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   534,075 2,660 SH   SOLE   2,660 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   48,219,826 170,291 SH   SOLE   170,291 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 92204A306   11,393,770 93,033 SH   SOLE   93,033 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   12,665,754 178,140 SH   SOLE   178,140 0 0
VANGUARD INTL EQUITY INDEX F VANGUARD INTL EQUITY INDEX F 922042866   19,827,026 252,928 SH   SOLE   252,928 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,860,325 32,250 SH   SOLE   32,250 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   22,959,931 354,648 SH   SOLE   354,648 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   267,597 2,087 SH   SOLE   2,087 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207   5,799,224 26,543 SH   SOLE   26,543 0 0
VANGUARD WORLD FD ENERGY ETF 922042858   21,341,791 446,014 SH   SOLE   446,014 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   2,889,476 10,239 SH   SOLE   10,239 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   6,492,934 37,304 SH   SOLE   37,304 0 0
VERISIGN INC COM 92343E102   535,877 2,821 SH   SOLE   2,821 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,505,664 55,793 SH   SOLE   55,793 0 0
VISA INC COM CL A 92826C839   4,839,120 17,600 SH   SOLE   17,600 0 0
WALMART INC COM 931142103   225,293 2,790 SH   OTR   0 2,790 0
WALMART INC COM 931142103   4,819,079 59,679 SH   SOLE   59,679 0 0
WHEATON PRECIOUS METALS CORP COM 962879102   263,988 4,322 SH   OTR   0 4,322 0
WILLIAMS COS INC COM 969457100   13,205,200 289,270 SH   SOLE   289,270 0 0
WILLIAMS COS INC COM 969457100   334,888 7,336 SH   OTR   0 7,336 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,087,588 20,863 SH   OTR   0 20,863 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   75,629,787 1,450,792 SH   SOLE   1,450,792 0 0