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
ALPHABET INC CAP STK CL A 02079K305 677,931 1,897 SH SOLE 0 0 0 1,897
ALPHABET INC CAP STK CL C 02079K107 654,367 1,852 SH SOLE 0 0 0 1,852
APPLE INC COM 037833100 1,888,074 6,525 SH SOLE 0 0 0 6,525
AUTOZONE INC COM 053332102 284,439 89 SH SOLE 0 0 0 89
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 226,677 453 SH SOLE 0 0 0 453
CHUBB LIMITED COM H1467J104 223,525 656 SH SOLE 0 0 0 656
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 5,600,122 146,485 SH SOLE 0 0 0 146,485
FASTENAL CO COM 311900104 273,483 5,694 SH SOLE 0 0 0 5,694
HOME DEPOT INC COM 437076102 226,421 642 SH SOLE 0 0 0 642
INVESCO EXCH TRADED FD TR II SHORT TERM ETF 46138G888 12,872,257 121,931 SH SOLE 0 0 0 121,931
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 323,198 1,519 SH SOLE 0 0 0 1,519
ISHARES GOLD TR ISHARES NEW 464285204 2,109,825 27,941 SH SOLE 0 0 0 27,941
ISHARES INC CORE MSCI EMKT 46434G103 2,171,797 26,217 SH SOLE 0 0 0 26,217
ISHARES TR NATIONAL MUN ETF 464288414 346,214 3,217 SH SOLE 0 0 0 3,217
ISHARES TR EAFE GRWTH ETF 464288885 290,023 2,331 SH SOLE 0 0 0 2,331
ISHARES TR CORE S&P TTL STK 464287150 14,886,387 90,621 SH SOLE 0 0 0 90,621
ISHARES TR ISHS 1-5YR INVS 464288646 7,958,436 151,850 SH SOLE 0 0 0 151,850
ISHARES TR 1 3 YR TREAS BD 464287457 995,994 12,130 SH SOLE 0 0 0 12,130
ISHARES TR RUS 2000 GRW ETF 464287648 275,378 699 SH SOLE 0 0 0 699
JOHNSON & JOHNSON COM 478160104 274,796 1,082 SH SOLE 0 0 0 1,082
MASTERCARD INCORPORATED CL A 57636Q104 528,494 1,029 SH SOLE 0 0 0 1,029
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,295,659 79,270 SH SOLE 0 0 0 79,270
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,419,290 87,339 SH SOLE 0 0 0 87,339
SCHWAB STRATEGIC TR US REIT ETF 808524847 573,885 24,235 SH SOLE 0 0 0 24,235
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 992,751 29,337 SH SOLE 0 0 0 29,337
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,997,154 57,373 SH SOLE 0 0 0 57,373
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 16,171,239 669,894 SH SOLE 0 0 0 669,894
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 440,292 2,377 SH SOLE 0 0 0 2,377
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 391,519 2,055 SH SOLE 0 0 0 2,055
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 249,210 3,000 SH SOLE 0 0 0 3,000
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 354,764 2,236 SH SOLE 0 0 0 2,236
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 393,123 3,352 SH SOLE 0 0 0 3,352
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 301,602 6,652 SH SOLE 0 0 0 6,652
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 383,793 7,412 SH SOLE 0 0 0 7,412
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 15,553,451 308,661 SH SOLE 0 0 0 308,661
SPDR SERIES TRUST ST STR P500VAL 78464A508 5,445,727 89,583 SH SOLE 0 0 0 89,583
SPDR SERIES TRUST ST STR SP600SM C 78464A300 884,991 8,111 SH SOLE 0 0 0 8,111
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 1,418,752 11,909 SH SOLE 0 0 0 11,909
SPDR SERIES TRUST ST STR P500GRW 78464A409 4,585,159 38,534 SH SOLE 0 0 0 38,534
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 652,677 874 SH SOLE 0 0 0 874
TJX COS INC NEW COM 872540109 217,100 1,433 SH SOLE 0 0 0 1,433
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 354,868 7,552 SH SOLE 0 0 0 7,552
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,159,468 13,943 SH SOLE 0 0 0 13,943
VANGUARD INDEX FDS GROWTH ETF 922908736 409,940 4,759 SH SOLE 0 0 0 4,759
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7,162,126 19,585 SH SOLE 0 0 0 19,585
VANGUARD INDEX FDS VALUE ETF 922908744 838,595 3,848 SH SOLE 0 0 0 3,848
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,429,653 34,691 SH SOLE 0 0 0 34,691
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,316,277 105,818 SH SOLE 0 0 0 105,818
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,780,354 35,181 SH SOLE 0 0 0 35,181
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 706,125 3,613 SH SOLE 0 0 0 3,613
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,996,846 42,061 SH SOLE 0 0 0 42,061
VANGUARD WORLD FD COMM SRVC ETF 92204A884 300,758 1,635 SH SOLE 0 0 0 1,635
VANGUARD WORLD FD INF TECH ETF 92204A702 1,074,724 8,992 SH SOLE 0 0 0 8,992
VISA INC COM CL A 92826C839 687,209 2,003 SH SOLE 0 0 0 2,003