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
Expires: July 31, 2015
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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 750,438 2,181 SH SOLE 0 0 0 2,181
ALPHABET INC CAP STK CL C 02079K107 690,698 2,027 SH SOLE 0 0 0 2,027
AMAZON COM INC COM 023135106 214,269 860 SH SOLE 0 0 0 860
APPLE INC COM 037833100 2,443,743 7,338 SH SOLE 0 0 0 7,338
AUTOZONE INC COM 053332102 251,872 89 SH SOLE 0 0 0 89
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 222,086 446 SH SOLE 0 0 0 446
CHUBB LIMITED COM H1467J104 213,364 656 SH SOLE 0 0 0 656
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 6,389,177 161,506 SH SOLE 0 0 0 161,506
FASTENAL CO COM 311900104 282,024 5,694 SH SOLE 0 0 0 5,694
INVESCO EXCH TRADED FD TR II SHORT TERM ETF 46138G888 13,268,556 125,697 SH SOLE 0 0 0 125,697
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 315,982 1,519 SH SOLE 0 0 0 1,519
ISHARES GOLD TR ISHARES NEW 464285204 2,168,759 27,769 SH SOLE 0 0 0 27,769
ISHARES INC CORE MSCI EMKT 46434G103 2,086,767 25,712 SH SOLE 0 0 0 25,712
ISHARES TR NATIONAL MUN ETF 464288414 430,383 4,257 SH SOLE 0 0 0 4,257
ISHARES TR EAFE GRWTH ETF 464288885 279,324 2,331 SH SOLE 0 0 0 2,331
ISHARES TR CORE S&P TTL STK 464287150 15,152,789 91,128 SH SOLE 0 0 0 91,128
ISHARES TR ISHS 1-5YR INVS 464288646 8,328,397 162,569 SH SOLE 0 0 0 162,569
ISHARES TR 1 3 YR TREAS BD 464287457 1,057,955 13,029 SH SOLE 0 0 0 13,029
ISHARES TR RUS 2000 GRW ETF 464287648 238,409 668 SH SOLE 0 0 0 668
JOHNSON & JOHNSON COM 478160104 286,449 1,082 SH SOLE 0 0 0 1,082
KLA CORP COM NEW 482480100 543,073 2,786 SH SOLE 0 0 0 2,786
MASTERCARD INCORPORATED CL A 57636Q104 568,014 1,030 SH SOLE 0 0 0 1,030
MICRON TECHNOLOGY INC COM 595112103 304,621 286 SH SOLE 0 0 0 286
NEOS ETF TRUST NASDAQ 100 HIGH 78433H675 233,421 4,202 SH SOLE 0 0 0 4,202
NVIDIA CORPORATION COM 67066G104 535,551 2,345 SH SOLE 0 0 0 2,345
PALANTIR TECHNOLOGIES INC CL A 69608A108 284,316 1,520 SH SOLE 0 0 0 1,520
SCHWAB STRATEGIC TR US REIT ETF 808524847 534,139 24,235 SH SOLE 0 0 0 24,235
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 975,341 27,146 SH SOLE 0 0 0 27,146
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,774,257 53,265 SH SOLE 0 0 0 53,265
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 16,473,604 690,428 SH SOLE 0 0 0 690,428
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,319,799 79,147 SH SOLE 0 0 0 79,147
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,370,057 86,278 SH SOLE 0 0 0 86,278
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 262,355 6,652 SH SOLE 0 0 0 6,652
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 396,911 2,377 SH SOLE 0 0 0 2,377
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 379,364 1,938 SH SOLE 0 0 0 1,938
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 241,800 3,000 SH SOLE 0 0 0 3,000
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 376,587 2,236 SH SOLE 0 0 0 2,236
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 364,832 3,352 SH SOLE 0 0 0 3,352
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 383,645 7,412 SH SOLE 0 0 0 7,412
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 15,663,435 311,958 SH SOLE 0 0 0 311,958
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 221,096 7,472 SH SOLE 0 0 0 7,472
SPDR SERIES TRUST ST STR SP600SM C 78464A300 816,485 7,993 SH SOLE 0 0 0 7,993
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 1,225,845 11,460 SH SOLE 0 0 0 11,460
SPDR SERIES TRUST ST STR P500GRW 78464A409 4,652,901 37,804 SH SOLE 0 0 0 37,804
SPDR SERIES TRUST ST STR P500VAL 78464A508 5,462,391 89,357 SH SOLE 0 0 0 89,357
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 775,595 1,017 SH SOLE 0 0 0 1,017
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 332,288 7,552 SH SOLE 0 0 0 7,552
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 209,557 299 SH SOLE 0 0 0 299
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 5,119,977 13,681 SH SOLE 0 0 0 13,681
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 419,913 4,660 SH SOLE 0 0 0 4,660
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 6,471,096 19,155 SH SOLE 0 0 0 19,155
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 830,612 3,844 SH SOLE 0 0 0 3,844
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 7,957,700 34,444 SH SOLE 0 0 0 34,444
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,319,289 106,547 SH SOLE 0 0 0 106,547
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 667,429 3,613 SH SOLE 0 0 0 3,613
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,574,897 33,332 SH SOLE 0 0 0 33,332
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,706,269 38,327 SH SOLE 0 0 0 38,327
VANGUARD WORLD FD COMM SRVC ETF 92204A884 311,615 1,635 SH SOLE 0 0 0 1,635
VANGUARD WORLD FD INF TECH ETF 92204A702 1,130,025 8,992 SH SOLE 0 0 0 8,992
VISA INC COM CL A 92826C839 724,769 2,017 SH SOLE 0 0 0 2,017