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 32,941 93,341 SH   SOLE   93,341 0 0
Alphabet Inc STK CL A 02079K305 14,724 5,294 SH   SOLE   5,294 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 12,263 158,092 SH   SOLE   158,092 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 11,433 392,624 SH   SOLE   392,624 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 11,222 342,881 SH   SOLE   342,881 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 10,876 185,918 SH   SOLE   185,918 0 0
Microsoft Corp COM 594918104 10,561 34,254 SH   SOLE   34,254 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 10,052 262,107 SH   SOLE   262,107 0 0
CVS Health Corp COM 126650100 9,003 88,951 SH   SOLE   88,951 0 0
Apple Inc COM 037833100 8,798 50,388 SH   SOLE   50,388 0 0
Morgan Stanley COM 617446448 7,849 89,800 SH   SOLE   89,800 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 7,846 109,903 SH   SOLE   109,903 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 7,447 59,779 SH   SOLE   59,779 0 0
Marathon Petroleum Corp COM 56585A102 7,273 85,063 SH   SOLE   85,063 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 7,189 195,791 SH   SOLE   195,791 0 0
Canadian National Railway Co COM 136375102 6,410 47,783 SH   SOLE   47,783 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 6,281 250,221 SH   SOLE   250,221 0 0
Laboratory Corp of America Hol COM 50540R409 6,057 22,972 SH   SOLE   22,972 0 0
Pfizer Inc COM 717081103 5,870 113,387 SH   SOLE   113,387 0 0
Verizon Communications Inc COM 92343V104 5,798 113,825 SH   SOLE   113,825 0 0
JPMorgan Chase & Co COM 46625H100 5,498 40,334 SH   SOLE   40,334 0 0
Chevron Corp COM 166764100 5,405 33,192 SH   SOLE   33,192 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 5,305 49,171 SH   SOLE   49,171 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 5,240 117,956 SH   SOLE   117,956 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 5,104 78,690 SH   SOLE   78,690 0 0
Walt Disney Co/The COM 254687106 4,865 35,469 SH   SOLE   35,469 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 4,748 47,402 SH   SOLE   47,402 0 0
Automatic Data Processing Inc COM 053015103 4,736 20,815 SH   SOLE   20,815 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 4,660 43,360 SH   SOLE   43,360 0 0
Splunk Inc COM 848637104 4,204 28,291 SH   SOLE   28,291 0 0
Starbucks Corp COM 855244109 4,163 45,758 SH   SOLE   45,758 0 0
BorgWarner Inc COM 099724106 3,815 98,072 SH   SOLE   98,072 0 0
Johnson & Johnson COM 478160104 3,785 21,358 SH   SOLE   21,358 0 0
Paypal Holdings Inco COM 70450Y103 3,521 30,441 SH   SOLE   30,441 0 0
Alibaba Group Hldg Adr ADS 01609W102 3,504 32,205 SH   SOLE   32,205 0 0
Sprouts Farmers Market Inc COM 85208M102 3,457 108,088 SH   SOLE   108,088 0 0
Meta Platforms, Inc. COM 30303M102 2,963 13,326 SH   SOLE   13,326 0 0
WisdomTree US Dividend ex-Financials ETF US AI ENHANCED 97717W406 2,742 27,681 SH   SOLE   27,681 0 0
Amazon.com Inc COM 023135106 2,002 614 SH   SOLE   614 0 0
Goldman Sachs BDC Inc SHS 38147U107 1,986 101,277 SH   SOLE   101,277 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 1,849 62,302 SH   SOLE   62,302 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 1,724 34,603 SH   SOLE   34,603 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,556 29,152 SH   SOLE   29,152 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,491 8,860 SH   SOLE   8,860 0 0
Direxion NASDAQ-100 Equal Wtd ETF TR NAS100 EQL WGT 25459Y207 973 12,576 SH   SOLE   12,576 0 0
iShares Morningstar Large-Cap Growth ETF ETF TR GRWT 464287119 963 14,823 SH   SOLE   14,823 0 0
Ford Motor Co COM 345370860 781 46,203 SH   SOLE   46,203 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 583 6,545 SH   SOLE   6,545 0 0
Philip Morris International In COM 718172109 476 5,066 SH   SOLE   5,066 0 0
SPDR S&P MidCap 400 ETF Trust ETF TR SPDR Mid 78467Y107 448 913 SH   SOLE   913 0 0
Mondelez International Inc COM 609207105 288 4,588 SH   SOLE   4,588 0 0
Exxon Mobil Corp COM 30231G102 264 3,200 SH   SOLE   3,200 0 0
Altria Group Inc COM 02209S103 259 4,966 SH   SOLE   4,966 0 0
AbbVie Inc COM 00287Y109 258 1,592 SH   SOLE   1,592 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 258 1,623 SH   SOLE   1,623 0 0
Target Corporation COM 87612E106 236 1,112 SH   SOLE   1,112 0 0
DTE Energy Co COM 233331107 219 1,657 SH   SOLE   1,657 0 0
Visa Inc COM 92826C839 210 945 SH   SOLE   945 0 0
ProMIS Neurosciences Inc COM 74346M109 1 10,000 SH   SOLE   10,000 0 0