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
3M CO COM 88579Y101 237 1,355 SH   SOLE   0 0 1,355
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 344 18,840 SH   SOLE   0 0 18,840
ALPHABET INC CAP STK CL A 02079K305 1,525 870 SH   SOLE   0 0 870
ALPHABET INC CAP STK CL C 02079K107 2,179 1,244 SH   SOLE   0 0 1,244
AMAZON COM INC COM 023135106 3,289 1,010 SH   SOLE   0 0 1,010
AMERICAN TOWER CORP NEW COM 03027X100 2,611 11,631 SH   SOLE   0 0 11,631
APPLE INC COM 037833100 4,019 30,285 SH   SOLE   0 0 30,285
CANADIAN NATL RY CO COM 136375102 2,332 21,227 SH   SOLE   0 0 21,227
CATERPILLAR INC COM 149123101 2,236 12,285 SH   SOLE   0 0 12,285
CHEVRON CORP NEW COM 166764100 1,283 15,188 SH   SOLE   0 0 15,188
CLOROX CO DEL COM 189054109 2,113 10,462 SH   SOLE   0 0 10,462
COSTCO WHSL CORP NEW COM 22160K105 477 1,265 SH   SOLE   0 0 1,265
EATON VANCE SHORT DURATION D COM 27828V104 419 33,900 SH   SOLE   0 0 33,900
HOME DEPOT INC COM 437076102 3,188 12,004 SH   SOLE   0 0 12,004
INTUITIVE SURGICAL INC COM NEW 46120E602 3,681 4,500 SH   SOLE   0 0 4,500
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263 304 6,494 SH   SOLE   0 0 6,494
ISHARES GOLD TRUST ISHARES 464285105 5,569 307,192 SH   SOLE   0 0 307,192
JOHNSON & JOHNSON COM 478160104 2,629 16,703 SH   SOLE   0 0 16,703
JPMORGAN CHASE & CO COM 46625H100 2,176 17,123 SH   SOLE   0 0 17,123
KIMBERLY-CLARK CORP COM 494368103 1,679 12,451 SH   SOLE   0 0 12,451
LILLY ELI & CO COM 532457108 3,007 17,807 SH   SOLE   0 0 17,807
LOCKHEED MARTIN CORP COM 539830109 2,040 5,745 SH   SOLE   0 0 5,745
MERCK & CO. INC COM 58933Y105 1,782 21,787 SH   SOLE   0 0 21,787
MICROSOFT CORP COM 594918104 3,243 14,582 SH   SOLE   0 0 14,582
NIKE INC CL B 654106103 3,751 26,517 SH   SOLE   0 0 26,517
NUVEEN MULTI-MKT INCOME FD COM 67075J107 146 20,254 SH   SOLE   0 0 20,254
NVIDIA CORPORATION COM 67066G104 695 1,330 SH   SOLE   0 0 1,330
OLD DOMINION FREIGHT LINE IN COM 679580100 361 1,852 SH   SOLE   0 0 1,852
PAYPAL HLDGS INC COM 70450Y103 3,892 16,617 SH   SOLE   0 0 16,617
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 328 9,099 SH   SOLE   0 0 9,099
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,799 32,115 SH   SOLE   0 0 32,115
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,690 84,517 SH   SOLE   0 0 84,517
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 363 2,823 SH   SOLE   0 0 2,823
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,106 16,225 SH   SOLE   0 0 16,225
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,672 30,019 SH   SOLE   0 0 30,019
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,295 36,602 SH   SOLE   0 0 36,602
SELECTIVE INS GROUP INC COM 816300107 239 3,574 SH   SOLE   0 0 3,574
SPDR GOLD TR GOLD SHS 78463V107 3,567 19,998 SH   SOLE   0 0 19,998
STARBUCKS CORP COM 855244109 3,352 31,338 SH   SOLE   0 0 31,338
STRYKER CORPORATION COM 863667101 3,240 13,221 SH   SOLE   0 0 13,221
UNILEVER PLC SPON ADR NEW 904767704 2,585 42,820 SH   SOLE   0 0 42,820
UNITEDHEALTH GROUP INC COM 91324P102 3,020 8,611 SH   SOLE   0 0 8,611
US BANCORP DEL COM NEW 902973304 2,207 47,381 SH   SOLE   0 0 47,381
VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 6,619 84,975 SH   SOLE   0 0 84,975
VANGUARD INDEX FDS MID CAP ETF 922908629 438 2,116 SH   SOLE   0 0 2,116
VANGUARD INDEX FDS SMALL CP ETF 922908751 326 1,675 SH   SOLE   0 0 1,675
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,089 31,281 SH   SOLE   0 0 31,281
VERIZON COMMUNICATIONS INC COM 92343V104 2,371 40,362 SH   SOLE   0 0 40,362
VISA INC COM CL A 92826C839 2,704 12,360 SH   SOLE   0 0 12,360
WASTE MGMT INC DEL COM 94106L109 2,816 23,875 SH   SOLE   0 0 23,875
WESTERN ASST INFLTN LKD INM COM SH BEN INT 95766Q106 288 21,114 SH   SOLE   0 0 21,114