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
Berkshire Hathaway Inc CL B 084670702 21,380 119,769 SH   SOLE   119,769 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 10,077 274,723 SH   SOLE   274,723 0 0
Alphabet Inc STK CL A 02079K305 9,563 6,744 SH   SOLE   6,744 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 9,516 156,945 SH   SOLE   156,945 0 0
Microsoft Corp COM 594918104 8,934 43,899 SH   SOLE   43,899 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 8,059 327,326 SH   SOLE   327,326 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 7,817 262,762 SH   SOLE   262,762 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 7,630 286,963 SH   SOLE   286,963 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 7,385 60,597 SH   SOLE   60,597 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 7,172 194,681 SH   SOLE   194,681 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 6,073 49,371 SH   SOLE   49,371 0 0
Apple Inc COM 037833100 5,569 15,266 SH   SOLE   15,266 0 0
Morgan Stanley COM 617446448 5,398 111,759 SH   SOLE   111,759 0 0
Verizon Communications Inc COM 92343V104 5,198 94,285 SH   SOLE   94,285 0 0
CVS Health Corp COM 126650100 5,141 79,122 SH   SOLE   79,122 0 0
Starbucks Corp COM 855244109 5,136 69,797 SH   SOLE   69,797 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 4,974 198,756 SH   SOLE   198,756 0 0
L3Harris Technologies Ord COM 502431109 4,498 26,511 SH   SOLE   26,511 0 0
Pfizer Inc COM 717081103 4,406 134,732 SH   SOLE   134,732 0 0
Laboratory Corp of America Hol COM 50540R409 4,392 26,443 SH   SOLE   26,443 0 0
VanEck Merk Gold Trust MERK GOLD TRUST 921078101 4,105 236,195 SH   SOLE   236,195 0 0
Canadian National Railway Co COM 136375102 3,956 44,670 SH   SOLE   44,670 0 0
JPMorgan Chase & Co COM 46625H100 3,919 41,664 SH   SOLE   41,664 0 0
Walt Disney Co/The COM 254687106 3,795 34,033 SH   SOLE   34,033 0 0
Paypal Holdings Inco COM 70450Y103 3,503 20,105 SH   SOLE   20,105 0 0
Automatic Data Processing Inc COM 053015103 3,221 21,636 SH   SOLE   21,636 0 0
Chevron Corp COM 166764100 3,140 35,191 SH   SOLE   35,191 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 2,835 32,095 SH   SOLE   32,095 0 0
Johnson & Johnson COM 478160104 2,647 18,822 SH   SOLE   18,822 0 0
Facebook Inc COM 30303M102 2,557 11,259 SH   SOLE   11,259 0 0
Marathon Petroleum Corp COM 56585A102 2,488 66,570 SH   SOLE   66,570 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 1,993 39,763 SH   SOLE   39,763 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 1,900 27,816 SH   SOLE   27,816 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 1,834 40,838 SH   SOLE   40,838 0 0
WisdomTree US Dividend ex-Fina DIV EX-FINL FD 97717W406 1,613 21,883 SH   SOLE   21,883 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,612 12,308 SH   SOLE   12,308 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 1,326 40,292 SH   SOLE   40,292 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,294 17,607 SH   SOLE   17,607 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 924 32,618 SH   SOLE   32,618 0 0
DTE Energy Co COM 233331107 759 7,063 SH   SOLE   7,063 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 685 10,949 SH   SOLE   10,949 0 0
Amazon.com Inc COM 023135106 651 236 SH   SOLE   236 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 628 6,180 SH   SOLE   6,180 0 0
Exxon Mobil Corp COM 30231G102 437 9,777 SH   SOLE   9,777 0 0
AT&T Inc COM 00206R102 436 14,430 SH   SOLE   14,430 0 0
Ford Motor Co COM 345370860 414 68,165 SH   SOLE   68,165 0 0
Philip Morris International In COM 718172109 355 5,066 SH   SOLE   5,066 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 280 2,676 SH   SOLE   2,676 0 0
AbbVie Inc COM 00287Y109 265 2,700 SH   SOLE   2,700 0 0
Mondelez International Inc COM 609207105 235 4,588 SH   SOLE   4,588 0 0
Altria Group Inc COM 02209S103 219 5,574 SH   SOLE   5,574 0 0
Intel Corp COM 458140100 216 3,615 SH   SOLE   3,615 0 0
ProMIS Neurosciences Inc COM 74346M109 2 10,000 SH   SOLE   10,000 0 0