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
AFLAC INC COM COM 001055102 1,085 31,674 SH   SOLE   0 0 31,674
AMGEN INC COM COM 031162100 239 1,180 SH   SOLE   0 0 1,180
APPLE INC COM COM 037833100 3,817 15,011 SH   SOLE   0 0 15,011
ARES CAPITAL CORP COM COM 04010L103 302 28,007 SH   SOLE   0 0 28,007
AT&T INC COM COM 00206R102 341 11,684 SH   SOLE   0 0 11,684
BARCLAYS BANK PLC IPATH SER B S&P GSCI CRUDE IPATH SER B S&P GSCI CRUDE 06745R693 1,426 345,350 SH   SOLE   0 0 345,350
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702 253 1,382 SH   SOLE   0 0 1,382
COSTCO WHOLESALE CORP COM COM 22160K105 475 1,666 SH   SOLE   0 0 1,666
EMX ROYALTY CORPORATION COM COM 26873J107 27 20,000 SH   SOLE   0 0 20,000
EVRIM RESOURCES CORP COM COM 30051B100 2 10,000 SH   SOLE   0 0 10,000
EXXON MOBIL CORPORATION COM COM 30231G102 334 8,791 SH   SOLE   0 0 8,791
FARMERS & MERCHANTS BANK (CA) COM COM 308243104 252 42 SH   SOLE   0 0 42
FIRST TR EXCHANGE TRADED FD VI US EQUITY DEEP BUFFER ETF US EQUITY DEEP BUFFER ETF 33740F771 640 23,254 SH   SOLE   0 0 23,254
FIRST TRUST EXCHANGE-TRADED FU CAP STRENGTH ETF CAP STRENGTH ETF 33733E104 297 5,981 SH   SOLE   0 0 5,981
FLAHERTY & CRUMRINE/CLAYMORE P COM COM 338478100 397 23,749 SH   SOLE   0 0 23,749
GENERAL ELECTRIC CO COM COM 369604103 129 16,265 SH   SOLE   0 0 16,265
GOLUB CAPITAL BDC INC COM COM 38173M102 353 28,096 SH   SOLE   0 0 28,096
GRAYSCALE BITCOIN TRUST BTC COM COM 389637109 138 19,350 SH   SOLE   0 0 19,350
HOME DEPOT INC COM COM 437076102 361 1,934 SH   SOLE   0 0 1,934
INVESCO DB US DLR INDEX TR BULLISH FD ETF BULLISH FD ETF 46141D203 2,470 92,077 SH   SOLE   0 0 92,077
INVESCO DWA UTILITIES DWA UTILS MUMT 46137V795 476 16,508 SH   SOLE   0 0 16,508
INVESCO EXCHANGE TRADED FUND T S&P500 LOW VOL ETF S&P500 LOW VOL ETF 46138E354 225 4,785 SH   SOLE   0 0 4,785
INVESCO EXCHANGE TRADED SELF I BULSHS 2020 CB ETF BULSHS 2020 CB ETF 46138J502 274 13,065 SH   SOLE   0 0 13,065
INVESCO EXCHANGE TRADED SELF I BULSHS 2021 CB ETF BULSHS 2021 CB ETF 46138J700 276 13,170 SH   SOLE   0 0 13,170
INVESCO EXCHANGE TRADED SELF I DEFENSIVE EQTY ETF DEFENSIVE EQTY ETF 46138J775 499 11,143 SH   SOLE   0 0 11,143
INVESCO QQQ TRUST UNIT SER 1 ETF UNIT SER 1 ETF 46090E103 46,857 246,096 SH   SOLE   0 0 246,096
ISHARES INC CORE MSCI EMKT ETF CORE MSCI EMKT ETF 46434G103 11,501 284,197 SH   SOLE   0 0 284,197
ISHARES INC ESG MSCI EM ETF ESG MSCI EM ETF 46434G863 1,419 51,853 SH   SOLE   0 0 51,853
ISHARES SILVER TRUST ISHARES ETF ISHARES ETF 46428Q109 187 14,343 SH   SOLE   0 0 14,343
ISHARES TRUST 0-5YR HI YL CP ETF 0-5YR HI YL CP ETF 46434V407 910 22,260 SH   SOLE   0 0 22,260
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457 37,919 437,515 SH   SOLE   0 0 437,515
ISHARES TRUST 20 YR TR BD ETF 20 YR TR BD ETF 464287432 56,567 342,895 SH   SOLE   0 0 342,895
ISHARES TRUST BARCLAYS 7 10 YR ETF BARCLAYS 7 10 YR ETF 464287440 3,788 31,182 SH   SOLE   0 0 31,182
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE ETF 46432F842 12,842 257,416 SH   SOLE   0 0 257,416
ISHARES TRUST CORE S&P SCP ETF CORE S&P SCP ETF 464287804 5,987 106,694 SH   SOLE   0 0 106,694
ISHARES TRUST CORE S&P TTL STK ETF CORE S&P TTL STK ETF 464287150 3,271 57,183 SH   SOLE   0 0 57,183
ISHARES TRUST CORE S&P500 ETF CORE S&P500 ETF 464287200 7,652 29,612 SH   SOLE   0 0 29,612
ISHARES TRUST ESG MSCI USA ETF ESG MSCI USA ETF 46435G425 2,520 43,842 SH   SOLE   0 0 43,842
ISHARES TRUST FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 2,388 49,002 SH   SOLE   0 0 49,002
ISHARES TRUST GLOBAL TECH ETF GLOBAL TECH ETF 464287291 1,211 6,641 SH   SOLE   0 0 6,641
ISHARES TRUST IBOXX INV CP ETF IBOXX INV CP ETF 464287242 4,690 37,974 SH   SOLE   0 0 37,974
ISHARES TRUST INTRM TR CRP ETF INTRM TR CRP ETF 464288638 1,434 26,114 SH   SOLE   0 0 26,114
ISHARES TRUST JPMORGAN USD EMG ETF JPMORGAN USD EMG ETF 464288281 6,506 67,295 SH   SOLE   0 0 67,295
ISHARES TRUST MBS ETF MBS ETF 464288588 3,934 35,625 SH   SOLE   0 0 35,625
ISHARES TRUST MSCI MIN VOL ETF MSCI MIN VOL ETF 46429B697 1,650 30,542 PRN   SOLE   0 0 30,542
ISHARES TRUST US TREAS BD ETF US TREAS BD ETF 46429B267 3,753 133,992 SH   SOLE   0 0 133,992
ISHARES TRUST USA QUALITY FCTR ETF USA QUALITY FCTR ETF 46432F339 2,262 27,913 SH   SOLE   0 0 27,913
ISHARES TRUST USA SIZE FACTOR ETF USA SIZE FACTOR ETF 46432F370 722 10,120 SH   SOLE   0 0 10,120
ISHARES US ETF TRUST SHT MAT BD ETF SHT MAT BD ETF 46431W507 1,711 35,282 SH   SOLE   0 0 35,282
JOHN HANCOCK PFD INCOME FUND I COM COM 41021P103 371 27,146 PRN   SOLE   0 0 27,146
JP MORGAN CHASE & CO COM COM 46625H100 330 3,663 SH   SOLE   0 0 3,663
LARAMIDE RESOURCES COM COM 51669T101 9 60,000 SH   SOLE   0 0 60,000
MAIN STREET CAP CORP COM COM 56035L104 264 12,881 SH   SOLE   0 0 12,881
MCDONALD'S CORPORATION COM COM 580135101 250 1,511 SH   SOLE   0 0 1,511
MICROSOFT CORP COM COM 594918104 1,057 6,700 SH   SOLE   0 0 6,700
NEUBERGER BERMAN INC COM COM 64190A103 286 95,282 SH   SOLE   0 0 95,282
NEW MOUNTAIN FINANCE CORP COM COM 647551100 266 39,058 SH   SOLE   0 0 39,058
OXFORD LANE CAPITAL CORP COM COM 691543102 80 19,275 PRN   SOLE   0 0 19,275
PIMCO ETF TRUST ENHAN SHRT MA AC ETF ENHAN SHRT MA AC ETF 72201R833 1,142 11,539 SH   SOLE   0 0 11,539
PIMCO FUNDS COM COM 72200U100 367 27,525 SH   SOLE   0 0 27,525
PIMCO INCOME OPPORTUNITY FUND COM COM 72202B100 379 18,753 SH   SOLE   0 0 18,753
PROSHARES TRUST SHORT QQQ NEW ETF SHORT QQQ NEW ETF 74347B714 9,011 354,623 SH   SOLE   0 0 354,623
SCHWAB STRATEGIC TR EMRG MKTEQ ETF EMRG MKTEQ ETF 808524706 1,381 66,762 SH   SOLE   0 0 66,762
SCHWAB STRATEGIC TR SHT TM US TRES ETF SHT TM US TRES ETF 808524862 1,446 27,955 SH   SOLE   0 0 27,955
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF US DIVIDEND EQ ETF 808524797 1,317 29,286 SH   SOLE   0 0 29,286
SCHWAB STRATEGIC TR US LCAP GR ETF US LCAP GR ETF 808524300 324 4,073 SH   SOLE   0 0 4,073
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 1,211 19,778 SH   SOLE   0 0 19,778
SELECT SECTOR SPDR TRUST COMMUNICATION ETF COMMUNICATION ETF 81369Y852 3,877 87,645 SH   SOLE   0 0 87,645
SELECT SECTOR SPDR TRUST ENERGY ETF ENERGY ETF 81369Y506 292 10,032 PRN   SOLE   0 0 10,032
SELECT SECTOR SPDR TRUST RL EST SEL SEC ETF RL EST SEL SEC ETF 81369Y860 640 20,654 SH   SOLE   0 0 20,654
SELECT SECTOR SPDR TRUST SBI CONS DISCR ETF SBI CONS DISCR ETF 81369Y407 5,031 51,293 SH   SOLE   0 0 51,293
SELECT SECTOR SPDR TRUST SBI CONS STPLS ETF SBI CONS STPLS ETF 81369Y308 4,218 77,443 SH   SOLE   0 0 77,443
SELECT SECTOR SPDR TRUST SBI HEALTHCARE ETF SBI HEALTHCARE ETF 81369Y209 6,134 69,252 SH   SOLE   0 0 69,252
SELECT SECTOR SPDR TRUST SBI INT-FINL ETF SBI INT-FINL ETF 81369Y605 4,574 219,713 SH   SOLE   0 0 219,713
SELECT SECTOR SPDR TRUST SBI INT-INDS ETF SBI INT-INDS ETF 81369Y704 2,387 40,445 SH   SOLE   0 0 40,445
SELECT SECTOR SPDR TRUST SBI INT-UTILS ETF SBI INT-UTILS ETF 81369Y886 978 17,652 SH   SOLE   0 0 17,652
SELECT SECTOR SPDR TRUST SBI MATERIALS ETF SBI MATERIALS ETF 81369Y100 822 18,249 SH   SOLE   0 0 18,249
SELECT SECTOR SPDR TRUST TECHNOLOGY ETF TECHNOLOGY ETF 81369Y803 7,978 99,264 SH   SOLE   0 0 99,264
SPDR GOLD TRUST GOLD SHS ETF GOLD SHS ETF 78463V107 1,325 8,950 SH   SOLE   0 0 8,950
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103 37,178 144,242 SH   SOLE   0 0 144,242
SPDR SERIES TRUST SPDR BLOOMBERG ETF SPDR BLOOMBERG ETF 78468R663 38,360 418,641 SH   SOLE   0 0 418,641
VANGUARD DIV APP ETF DIV APP ETF 921908844 29,461 284,951 SH   SOLE   0 0 284,951
VANGUARD GROWTH ETF GROWTH ETF 922908736 409 2,611 SH   SOLE   0 0 2,611
VANGUARD INTL BD IDX ETF INTL BD IDX ETF 92203J407 6,148 109,276 SH   SOLE   0 0 109,276
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 710 5,820 SH   SOLE   0 0 5,820
VAPOTHERM INC COM COM 922107107 377 20,000 SH   SOLE   0 0 20,000
VERIZON COMMUNICATIONS COM COM 92343V104 440 8,198 SH   SOLE   0 0 8,198
WALT DISNEY COMPANY (THE) COM COM 254687106 584 6,046 SH   SOLE   0 0 6,046