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
AT&T INC COM 00206R102 6 204 SH   SOLE   204 0 0
ABBOTT LABS COM 002824100 65 819 SH   SOLE   819 0 0
ABBVIE INC COM 00287Y109 33 431 SH   SOLE   431 0 0
ADOBE INC COM 00724F101 18 55 SH   SOLE   55 0 0
ADVANCED MICRO DEVICES INC COM 007903107 17 370 SH   SOLE   370 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 49 250 SH   SOLE   250 0 0
ALPHABET INC CAP STK CL A 02079K305 58 50 SH   SOLE   50 0 0
AMAZON COM INC COM 023135106 88 45 SH   SOLE   45 0 0
APPLE INC COM 037833100 1,420 5,583 SH   SOLE   5,583 0 0
BP PLC SPONSORED ADR 055622104 43 1,781 SH   SOLE   1,781 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,359 7,434 SH   SOLE   7,434 0 0
BEST BUY INC COM 086516101 5 95 SH   SOLE   95 0 0
BLACKROCK FLOATING RATE INCO COM 091941104 6 657 SH   SOLE   657 0 0
BLACKROCK MUNIYIELD MICH QUA COM 09254F100 0 12 SH   SOLE   12 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 14 300 SH   SOLE   300 0 0
BOEING CO COM 097023105 57 381 SH   SOLE   381 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 21 384 SH   SOLE   384 0 0
CVS HEALTH CORP COM 126650100 43 724 SH   SOLE   724 0 0
CALUMET SPECIALTY PRODS PTNR UT LTD PARTNER 131476103 19 17,738 SH   SOLE   17,738 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 2 166 SH   SOLE   166 0 0
CENTURYLINK INC COM 156700106 0 2 SH   SOLE   2 0 0
CHEVRON CORP NEW COM 166764100 10 136 SH   SOLE   136 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 13 20 SH   SOLE   20 0 0
CISCO SYS INC COM 17275R102 12 300 SH   SOLE   300 0 0
COCA COLA CO COM 191216100 43 973 SH   SOLE   973 0 0
CONAGRA BRANDS INC COM 205887102 25 838 SH   SOLE   838 0 0
CORTEVA INC COM 22052L104 3 142 SH   SOLE   142 0 0
COSTCO WHSL CORP NEW COM 22160K105 29 103 SH   SOLE   103 0 0
DEERE & CO COM 244199105 35 255 SH   SOLE   255 0 0
DISNEY WALT CO COM DISNEY 254687106 33 345 SH   SOLE   345 0 0
DOW INC COM 260557103 4 142 SH   SOLE   142 0 0
DUPONT DE NEMOURS INC COM 26614N102 5 142 SH   SOLE   142 0 0
ENDEAVOUR SILVER CORP COM 29258Y103 3 1,975 SH   SOLE   1,975 0 0
ENTERPRISE FINL SVCS CORP COM 293712105 8 278 SH   SOLE   278 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 5 356 SH   SOLE   356 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 546 8,842 SH   SOLE   8,842 0 0
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 1,285 40,796 SH   SOLE   40,796 0 0
EXXON MOBIL CORP COM 30231G102 22 577 SH   SOLE   577 0 0
FIRST MAJESTIC SILVER CORP COM 32076V103 6 1,042 SH   SOLE   1,042 0 0
FLAHERTY & CRUMRIN PFD & INM COM 338478100 41 2,458 SH   SOLE   2,458 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 5 120 SH   SOLE   120 0 0
FORTUNA SILVER MINES INC COM 349915108 3 1,450 SH   SOLE   1,450 0 0
GENERAL ELECTRIC CO COM 369604103 47 5,934 SH   SOLE   5,934 0 0
GENERAL MTRS CO COM 37045V100 1 58 SH   SOLE   58 0 0
GILEAD SCIENCES INC COM 375558103 7 100 SH   SOLE   100 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 7 285 SH   SOLE   285 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 4 25 SH   SOLE   25 0 0
HCA HEALTHCARE INC COM 40412C101 620 6,901 SH   SOLE   6,901 0 0
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 1,649 102,597 SH   SOLE   102,597 0 0
HANCOCK JOHN PFD INCOME FD I COM 41013X106 171 11,091 SH   SOLE   11,091 0 0
HOME DEPOT INC COM 437076102 49 265 SH   SOLE   265 0 0
HONEYWELL INTL INC COM 438516106 9 65 SH   SOLE   65 0 0
INTEL CORP COM 458140100 7 124 SH   SOLE   124 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 73 386 SH   SOLE   386 0 0
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 81 1,629 SH   SOLE   1,629 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 4 26 SH   SOLE   26 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 7 37 SH   SOLE   37 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2 24 SH   SOLE   24 0 0
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 50 585 SH   SOLE   585 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 29 2,616 SH   SOLE   2,616 0 0
INVESCO EXCHANGE-TRADED FD T S&P SMLCP HELT 46138E149 14 137 SH   SOLE   137 0 0
INVESCO EXCHANGE-TRADED FD T PFD ETF 46138E511 0 1 SH   SOLE   1 0 0
INVESCO EXCHANGE-TRADED FD T NATL AMT MUNI 46138E537 28 1,072 SH   SOLE   1,072 0 0
ISHARES TR TIPS BD ETF 464287176 2 14 SH   SOLE   14 0 0
ISHARES TR TRANS AVG ETF 464287192 6 40 SH   SOLE   40 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 7 200 SH   SOLE   200 0 0
ISHARES TR IBOXX INV CP ETF 464287242 0 1 SH   SOLE   1 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 3,129 51,340 SH   SOLE   51,340 0 0
ISHARES TR S&P 500 VAL ETF 464287408 19 200 SH   SOLE   200 0 0
ISHARES TR NASDAQ BIOTECH 464287556 862 8,003 SH   SOLE   8,003 0 0
ISHARES TR U.S. TECH ETF 464287721 6,925 33,880 SH   SOLE   33,880 0 0
ISHARES TR US HLTHCARE ETF 464287762 28 148 SH   SOLE   148 0 0
ISHARES TR NATIONAL MUN ETF 464288414 0 1 SH   SOLE   1 0 0
ISHARES TR IBOXX HI YD ETF 464288513 0 1 SH   SOLE   1 0 0
ISHARES TR MBS ETF 464288588 3,078 27,872 SH   SOLE   27,872 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,565 19,238 SH   SOLE   19,238 0 0
ISHARES TR PFD AND INCM SEC 464288687 0 5 SH   SOLE   5 0 0
ISHARES TR US AER DEF ETF 464288760 26 180 SH   SOLE   180 0 0
ISHARES TR U.S. MED DVC ETF 464288810 8 35 SH   SOLE   35 0 0
ISHARES TR US HLTHCR PR ETF 464288828 376 2,255 SH   SOLE   2,255 0 0
ISHARES TR EAFE VALUE ETF 464288877 3 84 SH   SOLE   84 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 3,283 65,018 SH   SOLE   65,018 0 0
JPMORGAN CHASE & CO COM 46625H100 137 1,521 SH   SOLE   1,521 0 0
JOHNSON & JOHNSON COM 478160104 110 838 SH   SOLE   838 0 0
LAMB WESTON HLDGS INC COM 513272104 23 407 SH   SOLE   407 0 0
LOCKHEED MARTIN CORP COM 539830109 10 30 SH   SOLE   30 0 0
LOWES COS INC COM 548661107 14 165 SH   SOLE   165 0 0
MCEWEN MNG INC COM 58039P107 1 2,225 SH   SOLE   2,225 0 0
MERCK & CO. INC COM 58933Y105 133 1,727 SH   SOLE   1,727 0 0
METLIFE INC COM 59156R108 0 13 SH   SOLE   13 0 0
MICROSOFT CORP COM 594918104 268 1,700 SH   SOLE   1,700 0 0
MICRON TECHNOLOGY INC COM 595112103 4 100 SH   SOLE   100 0 0
MINERALS TECHNOLOGIES INC COM 603158106 3 73 SH   SOLE   73 0 0
MORGAN STANLEY COM NEW 617446448 5 150 SH   SOLE   150 0 0
NEWMONT CORP COM 651639106 8 175 SH   SOLE   175 0 0
NORTHERN TR CORP COM 665859104 60 794 SH   SOLE   794 0 0
NOVARTIS A G SPONSORED ADR 66987V109 6 75 SH   SOLE   75 0 0
NUVEEN SELECT TAX FREE INCOM SH BEN INT 67063C106 1,060 74,616 SH   SOLE   74,616 0 0
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 111 7,838 SH   SOLE   7,838 0 0
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 81 5,921 SH   SOLE   5,921 0 0
NUVEEN AMT FREE MUN CR INC F COM 67071L106 2,968 202,155 SH   SOLE   202,155 0 0
NUVEEN PFD & INCM SECURTIES COM 67072C105 1,860 256,155 SH   SOLE   256,155 0 0
ONEOK INC NEW COM 682680103 113 5,188 SH   SOLE   5,188 0 0
ORACLE CORP COM 68389X105 6 115 SH   SOLE   115 0 0
PAN AMERN SILVER CORP COM 697900108 3 236 SH   SOLE   236 0 0
PARKER HANNIFIN CORP COM 701094104 34 260 SH   SOLE   260 0 0
PEABODY ENERGY CORP NEW COM 704551100 0 106 SH   SOLE   106 0 0
PEPSICO INC COM 713448108 66 552 SH   SOLE   552 0 0
PFIZER INC COM 717081103 62 1,908 SH   SOLE   1,908 0 0
PIMCO CORPORATE & INCOME OPP COM 72201B101 34 2,672 SH   SOLE   2,672 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 9 179 SH   SOLE   179 0 0
PROCTER & GAMBLE CO COM 742718109 77 698 SH   SOLE   698 0 0
PRUDENTIAL FINL INC COM 744320102 6 121 SH   SOLE   121 0 0
QUALCOMM INC COM 747525103 19 277 SH   SOLE   277 0 0
RAYTHEON CO COM NEW 755111507 16 125 SH   SOLE   125 0 0
READY CAP CORP 7% CN SR NT 2023 75574U200 175 11,495 SH   SOLE   11,495 0 0
REGENERON PHARMACEUTICALS COM 75886F107 20 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 31 120 SH   SOLE   120 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 457 3,088 SH   SOLE   3,088 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 0 4 SH   SOLE   4 0 0
SPDR SER TR S&P REGL BKG 78464A698 383 11,740 SH   SOLE   11,740 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 6 200 SH   SOLE   200 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 30 137 SH   SOLE   137 0 0
SSR MNG INC COM 784730103 1 95 SH   SOLE   95 0 0
SALESFORCE COM INC COM 79466L302 9 65 SH   SOLE   65 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3 53 SH   SOLE   53 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3 67 SH   SOLE   67 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12 234 SH   SOLE   234 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 0 18 SH   SOLE   18 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1 27 SH   SOLE   27 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4 171 SH   SOLE   171 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,816 55,477 SH   SOLE   55,477 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 0 2 SH   SOLE   2 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2 47 SH   SOLE   47 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 468 10,394 SH   SOLE   10,394 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 153 1,725 SH   SOLE   1,725 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,689 49,362 SH   SOLE   49,362 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 126 4,346 SH   SOLE   4,346 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,387 66,613 SH   SOLE   66,613 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 8 100 SH   SOLE   100 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,175 21,205 SH   SOLE   21,205 0 0
SILVERCORP METALS INC COM 82835P103 5 1,490 SH   SOLE   1,490 0 0
SIRIUS XM HLDGS INC COM 82968B103 3 621 SH   SOLE   621 0 0
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 2,821 214,979 SH   SOLE   214,979 0 0
SPRINT CORPORATION COM 85207U105 12 1,413 SH   SOLE   1,413 0 0
SUNOCO LP COM UT REP LP 86765K109 7 470 SH   SOLE   470 0 0
SWEDISH EXPT CR CORP RG METAL ETN22 870297405 2 235 SH   SOLE   235 0 0
TESLA INC COM 88160R101 9 17 SH   SOLE   17 0 0
3M CO COM 88579Y101 47 342 SH   SOLE   342 0 0
TRUIST FINL CORP COM 89832Q109 9 300 SH   SOLE   300 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 31 2,858 SH   SOLE   2,858 0 0
UNITED TECHNOLOGIES CORP COM 913017109 9 100 SH   SOLE   100 0 0
UNITI GROUP INC COM 91325V108 0 46 SH   SOLE   46 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 10 455 SH   SOLE   455 0 0
VANECK VECTORS ETF TR RARE EARTH STRAT 92189F742 0 12 SH   SOLE   12 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 0 1 SH   SOLE   1 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1 4 SH   SOLE   4 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10 116 SH   SOLE   116 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 0 2 SH   SOLE   2 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 0 1 SH   SOLE   1 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 17 70 SH   SOLE   70 0 0
WABTEC COM 929740108 1 26 SH   SOLE   26 0 0
WALMART INC COM 931142103 3 25 SH   SOLE   25 0 0
WASTE CONNECTIONS INC COM 94106B101 14 180 SH   SOLE   180 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 12 423 SH   SOLE   423 0 0
WILLIAMS COS INC COM 969457100 207 14,641 SH   SOLE   14,641 0 0
ZOETIS INC CL A 98978V103 29 243 SH   SOLE   243 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 29 200 SH   SOLE   200 0 0
MANCHESTER UTD PLC NEW ORD CL A G5784H106 0 5 SH   SOLE   5 0 0