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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB LTD SPONSORED ADR 000375204   286,629 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100   1,025,768 9,343 SH   SOLE   9,343 0 0
ABBVIE INC COM 00287Y109   1,886,312 11,672 SH   SOLE   11,672 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   246,228 731 SH   SOLE   731 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   219,686 1,468 SH   SOLE   1,468 0 0
AIR PRODS & CHEMS INC COM 009158106   518,799 1,682 SH   SOLE   1,682 0 0
ALBEMARLE CORP COM 012653101   658,604 3,037 SH   SOLE   3,037 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   525,366 13,800 SH   SOLE   13,800 0 0
ALLSTATE CORP COM 020002101   1,447,394 10,674 SH   SOLE   10,674 0 0
ALPHABET INC CAP STK CL A 02079K305   2,124,137 24,075 SH   SOLE   24,075 0 0
ALPHABET INC CAP STK CL C 02079K107   1,265,290 14,260 SH   SOLE   14,260 0 0
AMAZON COM INC COM 023135106   1,480,080 17,620 SH   SOLE   17,620 0 0
AMERICAN ELEC PWR CO INC COM 025537101   293,396 3,090 SH   SOLE   3,090 0 0
AMERICAN EXPRESS CO COM 025816109   310,866 2,104 SH   SOLE   2,104 0 0
AMERICAN TOWER CORP NEW COM 03027X100   439,482 2,074 SH   SOLE   2,074 0 0
AMGEN INC COM 031162100   337,230 1,284 SH   SOLE   1,284 0 0
APPLE INC COM 037833100   9,761,251 75,127 SH   SOLE   75,127 0 0
APPLIED MATLS INC COM 038222105   472,780 4,855 SH   SOLE   4,855 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   1,096,559 11,810 SH   SOLE   11,810 0 0
AT&T INC COM 00206R102   360,726 19,594 SH   SOLE   19,594 0 0
BANK AMERICA CORP COM 060505104   543,996 16,425 SH   SOLE   16,425 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,440,837 11,139 SH   SOLE   11,139 0 0
BIOGEN INC COM 09026X103   203,536 735 SH   SOLE   735 0 0
BLACKROCK INC COM 09247X101   273,531 386 SH   SOLE   386 0 0
BOEING CO COM 097023105   265,353 1,393 SH   SOLE   1,393 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   322,408 4,481 SH   SOLE   4,481 0 0
BROADCOM INC COM 11135F101   329,887 590 SH   SOLE   590 0 0
BROWN FORMAN CORP CL B 115637209   265,514 4,042 SH   SOLE   4,042 0 0
CADENCE DESIGN SYSTEM INC COM 127387108   217,667 1,355 SH   SOLE   1,355 0 0
CARDINAL HEALTH INC COM 14149Y108   260,589 3,390 SH   SOLE   3,390 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   262,804 6,371 SH   SOLE   6,371 0 0
CATERPILLAR INC COM 149123101   727,065 3,035 SH   SOLE   3,035 0 0
CHEVRON CORP NEW COM 166764100   278,210 1,550 SH   SOLE   1,550 0 0
CISCO SYS INC COM 17275R102   907,304 19,045 SH   SOLE   19,045 0 0
CLOUDFLARE INC CL A COM 18915M107   1,792,170 39,641 SH   SOLE   39,641 0 0
COCA COLA CO COM 191216100   432,675 6,802 SH   SOLE   6,802 0 0
COLGATE PALMOLIVE CO COM 194162103   511,977 6,498 SH   SOLE   6,498 0 0
COMCAST CORP NEW CL A 20030N101   462,268 13,219 SH   SOLE   13,219 0 0
CONSTELLATION BRANDS INC CL A 21036P108   385,632 1,664 SH   SOLE   1,664 0 0
CONSTELLATION ENERGY CORP COM 21037T109   339,409 3,937 SH   SOLE   3,937 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,561,687 3,421 SH   SOLE   3,421 0 0
CSX CORP COM 126408103   324,051 10,460 SH   SOLE   10,460 0 0
CUMMINS INC COM 231021106   480,946 1,985 SH   SOLE   1,985 0 0
CVS HEALTH CORP COM 126650100   284,136 3,049 SH   SOLE   3,049 0 0
D R HORTON INC COM 23331A109   412,718 4,630 SH   SOLE   4,630 0 0
DANAHER CORPORATION COM 235851102   199,065 750 SH   SOLE   750 0 0
DEERE & CO COM 244199105   528,232 1,232 SH   SOLE   1,232 0 0
DIGITAL RLTY TR INC COM 253868103   189,711 1,892 SH   SOLE   1,892 0 0
DISCOVER FINL SVCS COM 254709108   736,171 7,525 SH   SOLE   7,525 0 0
DISNEY WALT CO COM 254687106   505,381 5,817 SH   SOLE   5,817 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   477,256 4,634 SH   SOLE   4,634 0 0
EASTMAN CHEM CO COM 277432100   344,898 4,235 SH   SOLE   4,235 0 0
EDISON INTL COM 281020107   255,371 4,014 SH   SOLE   4,014 0 0
EMERSON ELEC CO COM 291011104   491,827 5,120 SH   SOLE   5,120 0 0
ENPHASE ENERGY INC COM 29355A107   300,730 1,135 SH   SOLE   1,135 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108   714,258 11,056 SH   SOLE   11,056 0 0
ESSEX PPTY TR INC COM 297178105   857,166 4,044 SH   SOLE   4,044 0 0
EXELON CORP COM 30161N101   346,488 8,015 SH   SOLE   8,015 0 0
FAIR ISAAC CORP COM 303250104   195,736 327 SH   SOLE   327 0 0
FEDEX CORP COM 31428X106   352,394 2,034 SH   SOLE   2,034 0 0
FIFTH THIRD BANCORP COM 316773100   246,075 7,500 SH   SOLE   7,500 0 0
FISERV INC COM 337738108   434,601 4,300 SH   SOLE   4,300 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100   362,534 24,136 SH   SOLE   24,136 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   1,806,643 76,813 SH   SOLE   76,813 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,697,541 71,868 SH   SOLE   71,868 0 0
FMC CORP COM NEW 302491303   274,560 2,200 SH   SOLE   2,200 0 0
FRANCO NEV CORP COM 351858105   408,075 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108   549,564 2,215 SH   SOLE   2,215 0 0
GENERAL MLS INC COM 370334104   226,814 2,705 SH   SOLE   2,705 0 0
GENERAL MTRS CO COM 37045V100   265,443 7,890 SH   SOLE   7,890 0 0
GENUINE PARTS CO COM 372460105   490,166 2,825 SH   SOLE   2,825 0 0
GILEAD SCIENCES INC COM 375558103   199,773 2,327 SH   SOLE   2,327 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   572,414 1,667 SH   SOLE   1,667 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   863,892 17,433 SH   SOLE   17,433 0 0
HERSHEY CO COM 427866108   229,254 990 SH   SOLE   990 0 0
HOME DEPOT INC COM 437076102   1,066,764 3,377 SH   SOLE   3,377 0 0
HONEYWELL INTL INC COM 438516106   495,462 2,312 SH   SOLE   2,312 0 0
HP INC COM 40434L105   242,260 9,016 SH   SOLE   9,016 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101   226,963 2,239 SH   SOLE   2,239 0 0
INTEL CORP COM 458140100   532,617 20,152 SH   SOLE   20,152 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   367,300 2,607 SH   SOLE   2,607 0 0
INTUIT COM 461202103   360,418 926 SH   SOLE   926 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   761,555 2,870 SH   SOLE   2,870 0 0
ISHARES TR 20 YR TR BD ETF 464287432   331,037 3,325 SH   SOLE   3,325 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   466,728 5,750 SH   SOLE   5,750 0 0
ISHARES TR CORE MSCI EAFE 46432F842   6,342,325 102,893 SH   SOLE   102,893 0 0
ISHARES TR CORE TOTAL USD 46434V613   5,680,627 126,432 SH   SOLE   126,432 0 0
ISHARES TR CORE US AGGBD ET 464287226   11,976,964 123,486 SH   SOLE   123,486 0 0
ISHARES TR IBOXX INV CP ETF 464287242   738,599 7,005 SH   SOLE   7,005 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,082,467 16,490 SH   SOLE   16,490 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,273,149 59,977 SH   SOLE   59,977 0 0
ISHARES INC MSCI CDA ETF 464286509   229,765 7,020 SH   SOLE   7,020 0 0
ISHARES INC MSCI FRANCE ETF 464286707   313,150 9,455 SH   SOLE   9,455 0 0
ISHARES INC MSCI GERMANY ETF 464286806   239,881 9,700 SH   SOLE   9,700 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   1,004,418 18,450 SH   SOLE   18,450 0 0
ISHARES INC MSCI NETHERL ETF 464286814   311,885 8,375 SH   SOLE   8,375 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   572,943 18,687 SH   SOLE   18,687 0 0
ISHARES TR RUS 1000 ETF 464287622   1,033,653 4,910 SH   SOLE   4,910 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   607,261 3,482 SH   SOLE   3,482 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,473,110 6,090 SH   SOLE   6,090 0 0
ISHARES TR CORE S&P500 ETF 464287200   722,699 1,881 SH   SOLE   1,881 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,743,458 18,422 SH   SOLE   18,422 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,370,644 20,068 SH   SOLE   20,068 0 0
ISHARES TR S&P MC 400VL ETF 464287705   2,025,374 20,093 SH   SOLE   20,093 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,467,913 13,582 SH   SOLE   13,582 0 0
ISHARES TR SP SMCP600VL ETF 464287879   2,221,000 24,323 SH   SOLE   24,323 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   790,628 13,515 SH   SOLE   13,515 0 0
ISHARES TR S&P 500 VAL ETF 464287408   984,445 6,786 SH   SOLE   6,786 0 0
ISHARES TR TIPS BD ETF 464287176   1,184,997 11,133 SH   SOLE   11,133 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,229,277 24,828 SH   SOLE   24,828 0 0
JPMORGAN CHASE & CO COM 46625H100   2,758,973 20,574 SH   SOLE   20,574 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,005,319 20,396 SH   SOLE   20,396 0 0
JOHNSON & JOHNSON COM 478160104   2,200,529 12,457 SH   SOLE   12,457 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   211,149 3,875 SH   SOLE   3,875 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,605,381 111,816 SH   SOLE   111,816 0 0
KELLOGG CO COM 487836108   214,005 3,004 SH   SOLE   3,004 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103   430,470 2,516 SH   SOLE   2,516 0 0
KIMBERLY-CLARK CORP COM 494368103   412,680 3,040 SH   SOLE   3,040 0 0
KLA CORP COM NEW 482480100   277,871 737 SH   SOLE   737 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   275,433 1,169 SH   SOLE   1,169 0 0
LILLY ELI & CO COM 532457108   697,657 1,907 SH   SOLE   1,907 0 0
LINDE PLC SHS G5494J103   437,081 1,340 SH   SOLE   1,340 0 0
LOWES COS INC COM 548661107   1,663,256 8,348 SH   SOLE   8,348 0 0
MARRIOTT INTL INC NEW CL A 571903202   373,647 2,509 SH   SOLE   2,509 0 0
MASTERCARD INCORPORATED CL A 57636Q104   292,789 842 SH   SOLE   842 0 0
MCDONALDS CORP COM 580135101   592,679 2,249 SH   SOLE   2,249 0 0
MCKESSON CORP COM 58155Q103   223,196 595 SH   SOLE   595 0 0
MERCK & CO INC COM 58933Y105   999,216 9,006 SH   SOLE   9,006 0 0
METLIFE INC COM 59156R108   238,749 3,299 SH   SOLE   3,299 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105   271,745 188 SH   SOLE   188 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   1,377,532 19,609 SH   SOLE   19,609 0 0
MICROSOFT CORP COM 594918104   7,955,549 33,173 SH   SOLE   33,173 0 0
MONDELEZ INTL INC CL A 609207105   202,949 3,045 SH   SOLE   3,045 0 0
MORGAN STANLEY COM NEW 617446448   412,432 4,851 SH   SOLE   4,851 0 0
RBB FD INC MOTLEY FOOL SML 74933W874   435,942 17,830 SH   SOLE   17,830 0 0
NETFLIX INC COM 64110L106   349,433 1,185 SH   SOLE   1,185 0 0
NEXTERA ENERGY INC COM 65339F101   374,697 4,482 SH   SOLE   4,482 0 0
NIKE INC CL B 654106103   300,755 2,570 SH   SOLE   2,570 0 0
NORFOLK SOUTHN CORP COM 655844108   196,397 797 SH   SOLE   797 0 0
NOVO-NORDISK A S ADR 670100205   274,064 2,025 SH   SOLE   2,025 0 0
NVIDIA CORPORATION COM 67066G104   1,130,539 7,736 SH   SOLE   7,736 0 0
ORACLE CORP COM 68389X105   2,681,235 32,802 SH   SOLE   32,802 0 0
OTIS WORLDWIDE CORP COM 68902V107   242,683 3,099 SH   SOLE   3,099 0 0
PAYCHEX INC COM 704326107   220,142 1,905 SH   SOLE   1,905 0 0
PEPSICO INC COM 713448108   393,297 2,177 SH   SOLE   2,177 0 0
PFIZER INC COM 717081103   804,622 15,703 SH   SOLE   15,703 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643   242,249 2,500 SH   SOLE   2,500 0 0
POLARIS INC COM 731068102   433,290 4,290 SH   SOLE   4,290 0 0
PROCTER AND GAMBLE CO COM 742718109   685,102 4,520 SH   SOLE   4,520 0 0
PROLOGIS INC. COM 74340W103   442,240 3,923 SH   SOLE   3,923 0 0
QUEST DIAGNOSTICS INC COM 74834L100   196,019 1,253 SH   SOLE   1,253 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   803,121 7,958 SH   SOLE   7,958 0 0
REALTY INCOME CORP COM 756109104   1,209,521 19,068 SH   SOLE   19,068 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101   304,574 10,773 SH   SOLE   10,773 0 0
REGENERON PHARMACEUTICALS COM 75886F107   223,662 310 SH   SOLE   310 0 0
ROCKWELL AUTOMATION INC COM 773903109   254,308 987 SH   SOLE   987 0 0
ROYAL GOLD INC COM 780287108   365,127 3,239 SH   SOLE   3,239 0 0
SALESFORCE INC COM 79466L302   1,276,179 9,625 SH   SOLE   9,625 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   406,235 77,231 SH   SOLE   77,231 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   289,330 6,456 SH   SOLE   6,456 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   229,118 3,470 SH   SOLE   3,470 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   197,306 4,370 SH   SOLE   4,370 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   399,267 9,856 SH   SOLE   9,856 0 0
SHERWIN WILLIAMS CO COM 824348106   319,921 1,348 SH   SOLE   1,348 0 0
SOCIEDAD QUIMICA Y MINERA DE SPON ADR SER B 833635105   293,412 3,675 SH   SOLE   3,675 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   1,010,966 34,410 SH   SOLE   34,410 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,516,073 8,937 SH   SOLE   8,937 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   3,145,292 130,727 SH   SOLE   130,727 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,605,557 3,626 SH   SOLE   3,626 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   473,066 1,237 SH   SOLE   1,237 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   238,648 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109   540,640 5,450 SH   SOLE   5,450 0 0
SYNOPSYS INC COM 871607107   398,793 1,249 SH   SOLE   1,249 0 0
SYSCO CORP COM 871829107   213,678 2,795 SH   SOLE   2,795 0 0
TESLA INC COM 88160R101   652,361 5,296 SH   SOLE   5,296 0 0
TEXAS INSTRS INC COM 882508104   315,570 1,910 SH   SOLE   1,910 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   362,905 659 SH   SOLE   659 0 0
TRACTOR SUPPLY CO COM 892356106   242,968 1,080 SH   SOLE   1,080 0 0
TRAVELERS COMPANIES INC COM 89417E109   283,110 1,510 SH   SOLE   1,510 0 0
UNION PAC CORP COM 907818108   574,412 2,774 SH   SOLE   2,774 0 0
UNITED PARCEL SERVICE INC CL B 911312106   234,162 1,347 SH   SOLE   1,347 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,556,962 2,936 SH   SOLE   2,936 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   225,927 7,883 SH   SOLE   7,883 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   424,219 10,883 SH   SOLE   10,883 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   229,255 1,695 SH   SOLE   1,695 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,046,919 13,907 SH   SOLE   13,907 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   281,395 7,142 SH   SOLE   7,142 0 0
VISA INC COM CL A 92826C839   1,229,870 5,919 SH   SOLE   5,919 0 0
WALMART INC COM 931142103   599,184 4,225 SH   SOLE   4,225 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   307,286 8,225 SH   SOLE   8,225 0 0
ZOETIS INC CL A 98978V103   234,480 1,600 SH   SOLE   1,600 0 0