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
Estimated average burden
hours per response: 23.8
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
ABB LTD SPONSORED ADR 000375204 241 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100 931 9,618 SH   SOLE   9,618 0 0
ABBVIE INC COM 00287Y109 1,573 11,724 SH   SOLE   11,724 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 188 683 SH   SOLE   683 0 0
AIR PRODS & CHEMS INC COM 009158106 372 1,597 SH   SOLE   1,597 0 0
ALBEMARLE CORP COM 012653101 867 3,280 SH   SOLE   3,280 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 505 13,800 SH   SOLE   13,800 0 0
ALLSTATE CORP COM 020002101 1,348 10,824 SH   SOLE   10,824 0 0
ALPHABET INC CAP STK CL A 02079K305 2,354 24,615 SH   SOLE   24,615 0 0
ALPHABET INC CAP STK CL C 02079K107 1,383 14,385 SH   SOLE   14,385 0 0
AMAZON COM INC COM 023135106 2,002 17,720 SH   SOLE   17,720 0 0
AMERICAN ELEC PWR CO INC COM 025537101 267 3,090 SH   SOLE   3,090 0 0
AMERICAN EXPRESS CO COM 025816109 291 2,154 SH   SOLE   2,154 0 0
AMERICAN TOWER CORP NEW COM 03027X100 451 2,099 SH   SOLE   2,099 0 0
AMGEN INC COM 031162100 289 1,284 SH   SOLE   1,284 0 0
AON PLC SHS CL A G0403H108 182 680 SH   SOLE   680 0 0
APPLE INC COM 037833100 9,862 71,357 SH   SOLE   71,357 0 0
APPLIED MATLS INC COM 038222105 392 4,785 SH   SOLE   4,785 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,008 12,535 SH   SOLE   12,535 0 0
AT&T INC COM 00206R102 260 16,969 SH   SOLE   16,969 0 0
BK OF AMERICA CORP COM 060505104 520 17,225 SH   SOLE   17,225 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,888 10,817 SH   SOLE   10,817 0 0
BLACKROCK INC COM 09247X101 216 393 SH   SOLE   393 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 301 4,231 SH   SOLE   4,231 0 0
BROADCOM INC COM 11135F101 281 633 SH   SOLE   633 0 0
BROWN FORMAN CORP CL B 115637209 269 4,038 SH   SOLE   4,038 0 0
CARDINAL HEALTH INC COM 14149Y108 226 3,390 SH   SOLE   3,390 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 227 6,371 SH   SOLE   6,371 0 0
CATERPILLAR INC COM 149123101 476 2,900 SH   SOLE   2,900 0 0
CHEVRON CORP NEW COM 166764100 227 1,580 SH   SOLE   1,580 0 0
CISCO SYS INC COM 17275R102 741 18,513 SH   SOLE   18,513 0 0
CLOUDFLARE INC CL A COM 18915M107 2,193 39,641 SH   SOLE   39,641 0 0
COCA COLA CO COM 191216100 388 6,927 SH   SOLE   6,927 0 0
COLGATE PALMOLIVE CO COM 194162103 449 6,398 SH   SOLE   6,398 0 0
COMCAST CORP NEW CL A 20030N101 373 12,719 SH   SOLE   12,719 0 0
CONSTELLATION ENERGY CORP COM 21037T109 312 3,753 SH   SOLE   3,753 0 0
CONSTELLATION BRANDS INC CL A 21036P108 380 1,654 SH   SOLE   1,654 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,597 3,382 SH   SOLE   3,382 0 0
CROWN CASTLE INC COM 22822V101 191 1,320 SH   SOLE   1,320 0 0
CSX CORP COM 126408103 269 10,110 SH   SOLE   10,110 0 0
CUMMINS INC COM 231021106 409 2,010 SH   SOLE   2,010 0 0
CVS HEALTH CORP COM 126650100 291 3,049 SH   SOLE   3,049 0 0
D R HORTON INC COM 23331A109 319 4,730 SH   SOLE   4,730 0 0
DEERE & CO COM 244199105 431 1,292 SH   SOLE   1,292 0 0
DIGITAL RLTY TR INC COM 253868103 225 2,272 SH   SOLE   2,272 0 0
DISCOVER FINL SVCS COM 254709108 684 7,525 SH   SOLE   7,525 0 0
DISNEY WALT CO COM 254687106 462 4,902 SH   SOLE   4,902 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 434 4,667 SH   SOLE   4,667 0 0
DUKE REALTY CORP COM NEW 264411505 182 3,775 SH   SOLE   3,775 0 0
EASTMAN CHEM CO COM 277432100 301 4,235 SH   SOLE   4,235 0 0
EDISON INTL COM 281020107 227 4,014 SH   SOLE   4,014 0 0
EMERSON ELEC CO COM 291011104 375 5,120 SH   SOLE   5,120 0 0
ENPHASE ENERGY INC COM 29355A107 245 883 SH   SOLE   883 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108 727 11,571 SH   SOLE   11,571 0 0
ESSEX PPTY TR INC COM 297178105 980 4,044 SH   SOLE   4,044 0 0
EXELON CORP COM 30161N101 300 8,015 SH   SOLE   8,015 0 0
FEDEX CORP COM 31428X106 322 2,169 SH   SOLE   2,169 0 0
FIFTH THIRD BANCORP COM 316773100 232 7,250 SH   SOLE   7,250 0 0
FISERV INC COM 337738108 407 4,350 SH   SOLE   4,350 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100 581 39,145 SH   SOLE   39,145 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 1,769 75,656 SH   SOLE   75,656 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 1,789 76,461 SH   SOLE   76,461 0 0
FMC CORP COM NEW 302491303 233 2,200 SH   SOLE   2,200 0 0
FRANCO NEV CORP COM 351858105 357 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 458 2,160 SH   SOLE   2,160 0 0
GENERAL MLS INC COM 370334104 240 3,135 SH   SOLE   3,135 0 0
GENERAL MTRS CO COM 37045V100 249 7,765 SH   SOLE   7,765 0 0
GENUINE PARTS CO COM 372460105 419 2,805 SH   SOLE   2,805 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 457 1,560 SH   SOLE   1,560 0 0
HERSHEY CO COM 427866108 209 950 SH   SOLE   950 0 0
HOME DEPOT INC COM 437076102 922 3,342 SH   SOLE   3,342 0 0
HONEYWELL INTL INC COM 438516106 393 2,352 SH   SOLE   2,352 0 0
HP INC COM 40434L105 225 9,016 SH   SOLE   9,016 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 197 2,224 SH   SOLE   2,224 0 0
INTEL CORP COM 458140100 524 20,352 SH   SOLE   20,352 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 283 2,382 SH   SOLE   2,382 0 0
INTUIT COM 461202103 395 1,021 SH   SOLE   1,021 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 567 3,026 SH   SOLE   3,026 0 0
ISHARES TR 20 YR TR BD ETF 464287432 563 5,493 SH   SOLE   5,493 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 244 3,000 SH   SOLE   3,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842 5,193 98,597 SH   SOLE   98,597 0 0
ISHARES TR CORE US AGGBD ET 464287226 16,458 170,828 SH   SOLE   170,828 0 0
ISHARES TR IBOXX INV CP ETF 464287242 826 8,061 SH   SOLE   8,061 0 0
ISHARES TR MSCI EAFE ETF 464287465 926 16,531 SH   SOLE   16,531 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,468 70,756 SH   SOLE   70,756 0 0
ISHARES INC MSCI CDA ETF 464286509 216 7,020 SH   SOLE   7,020 0 0
ISHARES INC MSCI FRANCE ETF 464286707 253 9,455 SH   SOLE   9,455 0 0
ISHARES INC MSCI GERMANY ETF 464286806 209 10,575 SH   SOLE   10,575 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 901 18,450 SH   SOLE   18,450 0 0
ISHARES INC MSCI NETHERL ETF 464286814 241 7,875 SH   SOLE   7,875 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 485 18,487 SH   SOLE   18,487 0 0
ISHARES TR RUS 1000 ETF 464287622 1,060 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 557 3,377 SH   SOLE   3,377 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,332 6,076 SH   SOLE   6,076 0 0
ISHARES TR CORE S&P500 ETF 464287200 691 1,926 SH   SOLE   1,926 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,507 17,284 SH   SOLE   17,284 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,275 20,233 SH   SOLE   20,233 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,828 20,315 SH   SOLE   20,315 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,420 13,967 SH   SOLE   13,967 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,054 24,912 SH   SOLE   24,912 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 733 12,674 SH   SOLE   12,674 0 0
ISHARES TR S&P 500 VAL ETF 464287408 809 6,291 SH   SOLE   6,291 0 0
ISHARES TR TIPS BD ETF 464287176 1,178 11,233 SH   SOLE   11,233 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,375 28,489 SH   SOLE   28,489 0 0
JPMORGAN CHASE & CO COM 46625H100 2,124 20,324 SH   SOLE   20,324 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 663 14,876 SH   SOLE   14,876 0 0
JOHNSON & JOHNSON COM 478160104 2,033 12,442 SH   SOLE   12,442 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 301 5,875 SH   SOLE   5,875 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 4,119 82,121 SH   SOLE   82,121 0 0
KELLOGG CO COM 487836108 209 3,004 SH   SOLE   3,004 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 397 2,520 SH   SOLE   2,520 0 0
KIMBERLY-CLARK CORP COM 494368103 351 3,115 SH   SOLE   3,115 0 0
KLA CORP COM NEW 482480100 200 662 SH   SOLE   662 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 240 1,169 SH   SOLE   1,169 0 0
LILLY ELI & CO COM 532457108 576 1,782 SH   SOLE   1,782 0 0
LINDE PLC SHS G5494J103 372 1,380 SH   SOLE   1,380 0 0
LOWES COS INC COM 548661107 1,755 9,343 SH   SOLE   9,343 0 0
MARRIOTT INTL INC NEW CL A 571903202 355 2,534 SH   SOLE   2,534 0 0
MASTERCARD INCORPORATED CL A 57636Q104 239 842 SH   SOLE   842 0 0
MCDONALDS CORP COM 580135101 542 2,349 SH   SOLE   2,349 0 0
MCKESSON CORP COM 58155Q103 233 685 SH   SOLE   685 0 0
MEDTRONIC PLC SHS G5960L103 370 4,580 SH   SOLE   4,580 0 0
MERCK & CO INC COM 58933Y105 739 8,585 SH   SOLE   8,585 0 0
META PLATFORMS INC CL A 30303M102 232 1,713 SH   SOLE   1,713 0 0
METLIFE INC COM 59156R108 191 3,149 SH   SOLE   3,149 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 204 188 SH   SOLE   188 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 1,197 19,609 SH   SOLE   19,609 0 0
MICROSOFT CORP COM 594918104 7,805 33,512 SH   SOLE   33,512 0 0
MONDELEZ INTL INC CL A 609207105 181 3,295 SH   SOLE   3,295 0 0
MORGAN STANLEY COM NEW 617446448 383 4,851 SH   SOLE   4,851 0 0
RBB FD INC MOTLEY FOOL SML 74933W874 415 17,830 SH   SOLE   17,830 0 0
NETFLIX INC COM 64110L106 210 893 SH   SOLE   893 0 0
NEXTERA ENERGY INC COM 65339F101 351 4,482 SH   SOLE   4,482 0 0
NIKE INC CL B 654106103 211 2,535 SH   SOLE   2,535 0 0
NOVO-NORDISK A S ADR 670100205 202 2,025 SH   SOLE   2,025 0 0
NVIDIA CORPORATION COM 67066G104 795 6,546 SH   SOLE   6,546 0 0
ORACLE CORP COM 68389X105 1,975 32,337 SH   SOLE   32,337 0 0
OTIS WORLDWIDE CORP COM 68902V107 203 3,174 SH   SOLE   3,174 0 0
PAYCHEX INC COM 704326107 219 1,950 SH   SOLE   1,950 0 0
PEPSICO INC COM 713448108 331 2,027 SH   SOLE   2,027 0 0
PFIZER INC COM 717081103 641 14,656 SH   SOLE   14,656 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643 245 2,500 SH   SOLE   2,500 0 0
POLARIS INC COM 731068102 410 4,290 SH   SOLE   4,290 0 0
PROCTER AND GAMBLE CO COM 742718109 569 4,510 SH   SOLE   4,510 0 0
PROLOGIS INC. COM 74340W103 230 2,268 SH   SOLE   2,268 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 691 8,446 SH   SOLE   8,446 0 0
REALTY INCOME CORP COM 756109104 1,097 18,851 SH   SOLE   18,851 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 292 10,724 SH   SOLE   10,724 0 0
ROCKWELL AUTOMATION INC COM 773903109 212 987 SH   SOLE   987 0 0
ROYAL GOLD INC COM 780287108 304 3,235 SH   SOLE   3,235 0 0
SALESFORCE INC COM 79466L302 1,325 9,210 SH   SOLE   9,210 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 399 77,231 SH   SOLE   77,231 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 272 6,465 SH   SOLE   6,465 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 203 3,470 SH   SOLE   3,470 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 373 9,856 SH   SOLE   9,856 0 0
SHERWIN WILLIAMS CO COM 824348106 299 1,458 SH   SOLE   1,458 0 0
SOCIEDAD QUIMICA Y MINERA DE SPON ADR SER B 833635105 334 3,675 SH   SOLE   3,675 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 302 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,421 9,187 SH   SOLE   9,187 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,395 112,897 SH   SOLE   112,897 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,459 3,632 SH   SOLE   3,632 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 442 1,237 SH   SOLE   1,237 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 207 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109 468 5,550 SH   SOLE   5,550 0 0
SYNOPSYS INC COM 871607107 377 1,234 SH   SOLE   1,234 0 0
TESLA INC COM 88160R101 1,724 6,498 SH   SOLE   6,498 0 0
TEXAS INSTRS INC COM 882508104 352 2,275 SH   SOLE   2,275 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 403 794 SH   SOLE   794 0 0
TRAVELERS COMPANIES INC COM 89417E109 231 1,510 SH   SOLE   1,510 0 0
TRUIST FINL CORP COM 89832Q109 183 4,211 SH   SOLE   4,211 0 0
US BANCORP DEL COM NEW 902973304 188 4,655 SH   SOLE   4,655 0 0
UNION PAC CORP COM 907818108 523 2,684 SH   SOLE   2,684 0 0
UNITED PARCEL SERVICE INC CL B 911312106 227 1,407 SH   SOLE   1,407 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,491 2,951 SH   SOLE   2,951 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 372 10,183 SH   SOLE   10,183 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 206 1,695 SH   SOLE   1,695 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 325 8,552 SH   SOLE   8,552 0 0
VISA INC COM CL A 92826C839 1,000 5,629 SH   SOLE   5,629 0 0
WALMART INC COM 931142103 548 4,225 SH   SOLE   4,225 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 258 8,225 SH   SOLE   8,225 0 0
WOLFSPEED INC COM 977852102 194 1,876 SH   SOLE   1,876 0 0
ZOETIS INC CL A 98978V103 246 1,661 SH   SOLE   1,661 0 0