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 29,313 98,037 SH   SOLE   98,037 0 0
Alphabet Inc STK CL A 02079K305 15,441 5,330 SH   SOLE   5,330 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 12,875 159,141 SH   SOLE   159,141 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 12,010 340,502 SH   SOLE   340,502 0 0
Microsoft Corp COM 594918104 11,842 35,212 SH   SOLE   35,212 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 11,637 386,496 SH   SOLE   386,496 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 11,332 193,340 SH   SOLE   193,340 0 0
CVS Health Corp COM 126650100 9,219 89,366 SH   SOLE   89,366 0 0
Morgan Stanley COM 617446448 9,051 92,208 SH   SOLE   92,208 0 0
Apple Inc COM 037833100 9,048 50,957 SH   SOLE   50,957 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 8,379 261,589 SH   SOLE   261,589 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 8,378 215,528 SH   SOLE   215,528 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 7,950 108,576 SH   SOLE   108,576 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 7,612 58,919 SH   SOLE   58,919 0 0
Laboratory Corp of America Hol COM 50540R409 7,422 23,621 SH   SOLE   23,621 0 0
Pfizer Inc COM 717081103 7,077 119,847 SH   SOLE   119,847 0 0
JPMorgan Chase & Co COM 46625H100 6,380 40,289 SH   SOLE   40,289 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 6,120 242,198 SH   SOLE   242,198 0 0
Verizon Communications Inc COM 92343V104 5,994 115,359 SH   SOLE   115,359 0 0
Canadian National Railway Co COM 136375102 5,837 47,513 SH   SOLE   47,513 0 0
Marathon Petroleum Corp COM 56585A102 5,642 88,173 SH   SOLE   88,173 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 5,469 47,758 SH   SOLE   47,758 0 0
Starbucks Corp COM 855244109 5,325 45,526 SH   SOLE   45,526 0 0
Walt Disney Co/The COM 254687106 5,320 34,346 SH   SOLE   34,346 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 5,264 77,076 SH   SOLE   77,076 0 0
Automatic Data Processing Inc COM 053015103 5,157 20,915 SH   SOLE   20,915 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 5,151 116,113 SH   SOLE   116,113 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 5,023 43,675 SH   SOLE   43,675 0 0
BorgWarner Inc COM 099724106 4,620 102,502 SH   SOLE   102,502 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 4,442 43,740 SH   SOLE   43,740 0 0
Meta Platforms, Inc. COM 30303M102 4,151 12,341 SH   SOLE   12,341 0 0
Chevron Corp COM 166764100 4,134 35,232 SH   SOLE   35,232 0 0
Alibaba Group Hldg Adr ADS 01609W102 3,862 32,512 SH   SOLE   32,512 0 0
Paypal Holdings Inco COM 70450Y103 3,762 19,949 SH   SOLE   19,949 0 0
Johnson & Johnson COM 478160104 3,668 21,442 SH   SOLE   21,442 0 0
Sprouts Farmers Market Inc COM 85208M102 3,210 108,163 SH   SOLE   108,163 0 0
Splunk Inc COM 848637104 3,197 27,625 SH   SOLE   27,625 0 0
WisdomTree US Dividend ex-Fina DIV EX-FINL FD 97717W406 2,786 27,544 SH   SOLE   27,544 0 0
VanEck Merk Gold Trust MERK GOLD TRUST 921078101 2,028 114,071 SH   SOLE   114,071 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 1,969 59,732 SH   SOLE   59,732 0 0
Goldman Sachs BDC Inc SHS 38147U107 1,940 101,277 SH   SOLE   101,277 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 1,803 33,338 SH   SOLE   33,338 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,568 13,873 SH   SOLE   13,873 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,567 8,621 SH   SOLE   8,621 0 0
Ford Motor Co COM 345370860 1,069 51,447 SH   SOLE   51,447 0 0
Direxion NASDAQ-100 Equal Wtd ETF TR NAS100 EQL WGT 25459Y207 1,020 11,954 SH   SOLE   11,954 0 0
Amazon.com Inc COM 023135106 987 296 SH   SOLE   296 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 623 6,545 SH   SOLE   6,545 0 0
iShares Morningstar Large-Cap Growth ETF ETF TR GRWT 464287119 527 7,336 SH   SOLE   7,336 0 0
Philip Morris International In COM 718172109 481 5,066 SH   SOLE   5,066 0 0
DTE Energy Co COM 233331107 329 2,754 SH   SOLE   2,754 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 316 1,816 SH   SOLE   1,816 0 0
Mondelez International Inc COM 609207105 304 4,588 SH   SOLE   4,588 0 0
Target Corporation COM 87612E106 257 1,112 SH   SOLE   1,112 0 0
Altria Group Inc COM 02209S103 235 4,966 SH   SOLE   4,966 0 0
AbbVie Inc COM 00287Y109 216 1,592 SH   SOLE   1,592 0 0
Visa Inc COM 92826C839 205 945 SH   SOLE   945 0 0
ProMIS Neurosciences Inc COM 74346M109 1 10,000 SH   SOLE   10,000 0 0