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
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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
ABBOTT LABS COM 002824100   602,294 5,948 SH   SOLE   0 0 5,948
ABBVIE INC COM 00287Y109   1,210,096 7,593 SH   SOLE   0 0 7,593
AGNICO EAGLE MINES LTD COM 008474108   1,146,162 22,487 SH   SOLE   0 0 22,487
ALAMOS GOLD INC NEW COM CL A 011532108   942,627 77,075 SH   SOLE   0 0 77,075
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   270,062 2,643 SH   SOLE   0 0 2,643
ALPHABET INC CAP STK CL A 02079K305   535,247 5,160 SH   SOLE   0 0 5,160
ALPHABET INC CAP STK CL C 02079K107   378,560 3,640 SH   SOLE   0 0 3,640
AMAZON COM INC COM 023135106   672,418 6,510 SH   SOLE   0 0 6,510
AMEREN CORP COM 023608102   341,759 3,956 SH   SOLE   0 0 3,956
AMERICAN TOWER CORP NEW COM 03027X100   569,087 2,785 SH   SOLE   0 0 2,785
APPLE INC COM 037833100   2,564,498 15,552 SH   SOLE   0 0 15,552
AUTOMATIC DATA PROCESSING IN COM 053015103   635,831 2,856 SH   SOLE   0 0 2,856
BANK AMERICA CORP COM 060505104   367,224 12,840 SH   SOLE   0 0 12,840
BARRICK GOLD CORP COM 067901108   235,839 12,700 SH   SOLE   0 0 12,700
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   336,559 1,090 SH   SOLE   0 0 1,090
CHEVRON CORP NEW COM 166764100   551,970 3,383 SH   SOLE   0 0 3,383
CMS ENERGY CORP COM 125896100   354,485 5,775 SH   SOLE   0 0 5,775
CROWN CASTLE INC COM 22822V101   753,385 5,629 SH   SOLE   0 0 5,629
DTE ENERGY CO COM 233331107   353,212 3,224 SH   SOLE   0 0 3,224
DUKE ENERGY CORP NEW COM NEW 26441C204   365,428 3,788 SH   SOLE   0 0 3,788
ECOLAB INC COM 278865100   331,060 2,000 SH   SOLE   0 0 2,000
EVGO INC CL A COM 30052F100   257,070 33,000 SH   SOLE   0 0 33,000
EXXON MOBIL CORP COM 30231G102   626,707 5,715 SH   SOLE   0 0 5,715
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   1,230,138 54,819 SH   SOLE   0 0 54,819
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   1,673,705 27,228 SH   SOLE   0 0 27,228
FORD MTR CO DEL COM 345370860   224,192 17,793 SH   SOLE   0 0 17,793
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,748,061 61,660 SH   SOLE   0 0 61,660
GOLDMAN SACHS GROUP INC COM 38141G104   263,324 805 SH   SOLE   0 0 805
HECLA MNG CO COM 422704106   242,122 38,250 SH   SOLE   0 0 38,250
HOME DEPOT INC COM 437076102   303,088 1,027 SH   SOLE   0 0 1,027
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   480,095 15,600 SH   SOLE   0 0 15,600
INNOVATOR ETFS TR US EQTY BUF OCT 45782C771   273,354 8,085 SH   SOLE   0 0 8,085
INNOVATOR ETFS TR US EQUT BUFR AUG 45782C698   266,701 8,450 SH   SOLE   0 0 8,450
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   451,806 12,850 SH   SOLE   0 0 12,850
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   731,944 22,790 SH   SOLE   0 0 22,790
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C326   446,509 14,770 SH   SOLE   0 0 14,770
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383   308,832 9,600 SH   SOLE   0 0 9,600
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   2,899,292 100,600 SH   SOLE   0 0 100,600
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   400,362 12,590 SH   SOLE   0 0 12,590
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   613,820 18,483 SH   SOLE   0 0 18,483
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417   220,102 7,530 SH   SOLE   0 0 7,530
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   788,452 25,070 SH   SOLE   0 0 25,070
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   2,216,231 75,382 SH   SOLE   0 0 75,382
INNOVATOR ETFS TR US EQTY PWR BF 45782C680   426,275 14,450 SH   SOLE   0 0 14,450
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   1,684,792 54,915 SH   SOLE   0 0 54,915
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   328,952 10,400 SH   SOLE   0 0 10,400
INTUIT COM 461202103   445,830 1,000 SH   SOLE   0 0 1,000
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,221,074 15,358 SH   SOLE   0 0 15,358
ISHARES TR 0-5 YR TIPS ETF 46429B747   9,836,496 99,128 SH   SOLE   0 0 99,128
ISHARES TR CORE S&P MCP ETF 464287507   1,997,277 7,984 SH   SOLE   0 0 7,984
ISHARES TR INTL SEL DIV ETF 464288448   1,204,777 43,826 SH   SOLE   0 0 43,826
ISHARES TR MSCI EMG MKT ETF 464287234   521,148 13,207 SH   SOLE   0 0 13,207
ISHARES TR 1 3 YR TREAS BD 464287457   8,789,107 106,976 SH   SOLE   0 0 106,976
ISHARES TR CORE 1 5 YR USD 46432F859   7,659,858 162,440 SH   SOLE   0 0 162,440
ISHARES TR RUSSELL 2000 ETF 464287655   2,173,804 12,185 SH   SOLE   0 0 12,185
ISHARES TR MSCI USA QLT FCT 46432F339   202,846 1,635 SH   SOLE   0 0 1,635
JOHNSON & JOHNSON COM 478160104   1,453,125 9,375 SH   SOLE   0 0 9,375
JPMORGAN CHASE & CO COM 46625H100   1,538,467 11,806 SH   SOLE   0 0 11,806
KT CORP SPONSORED ADR 48268K101   213,759 18,850 SH   SOLE   0 0 18,850
VANECK ETF TRUST GOLD MINERS ETF 92189F106   2,780,183 85,941 SH   SOLE   0 0 85,941
MERCK & CO INC COM 58933Y105   285,551 2,684 SH   SOLE   0 0 2,684
MICROSOFT CORP COM 594918104   4,686,893 16,257 SH   SOLE   0 0 16,257
MONDELEZ INTL INC CL A 609207105   404,306 5,799 SH   SOLE   0 0 5,799
MORGAN STANLEY COM NEW 617446448   2,985,902 34,008 SH   SOLE   0 0 34,008
NEW GOLD INC CDA COM 644535106   372,185 338,350 SH   SOLE   0 0 338,350
NEWMONT CORP COM 651639106   321,571 6,560 SH   SOLE   0 0 6,560
NOKIA CORP SPONSORED ADR 654902204   419,005 85,337 SH   SOLE   0 0 85,337
ORACLE CORP COM 68389X105   324,848 3,496 SH   SOLE   0 0 3,496
PACER FDS TR US CASH COWS 100 69374H881   934,164 19,897 SH   SOLE   0 0 19,897
PAYCHEX INC COM 704326107   241,439 2,107 SH   SOLE   0 0 2,107
PAYPAL HLDGS INC COM 70450Y103   217,492 2,864 SH   SOLE   0 0 2,864
PEPSICO INC COM 713448108   1,924,723 10,558 SH   SOLE   0 0 10,558
PFIZER INC COM 717081103   383,846 9,408 SH   SOLE   0 0 9,408
INVESCO QQQ TR UNIT SER 1 46090E103   4,931,996 15,368 SH   SOLE   0 0 15,368
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,145,381 50,407 SH   SOLE   0 0 50,407
REAVES UTIL INCOME FD COM SH BEN INT 756158101   204,336 7,200 SH   SOLE   0 0 7,200
REPUBLIC SVCS INC COM 760759100   800,502 5,920 SH   SOLE   0 0 5,920
SCHWAB STRATEGIC TR US TIPS ETF 808524870   330,506 6,165 SH   SOLE   0 0 6,165
SOUTHERN CO COM 842587107   324,521 4,664 SH   SOLE   0 0 4,664
SPDR SER TR PORTFLI INTRMDIT 78464A672   325,025 11,231 SH   SOLE   0 0 11,231
SPDR SER TR PORTFOLIO SH TSR 78468R101   346,492 11,854 SH   SOLE   0 0 11,854
SPDR SER TR PORTFOLI S&P1500 78464A805   522,253 10,356 SH   SOLE   0 0 10,356
T-MOBILE US INC COM 872590104   616,294 4,255 SH   SOLE   0 0 4,255
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   227,899 2,450 SH   SOLE   0 0 2,450
BOEING CO COM 097023105   1,203,628 5,666 SH   SOLE   0 0 5,666
PROCTER AND GAMBLE CO COM 742718109   834,448 5,612 SH   SOLE   0 0 5,612
TRITON INTL LTD CL A G9078F107   227,592 3,600 SH   SOLE   0 0 3,600
UNITED PARCEL SERVICE INC CL B 911312106   2,589,379 13,348 SH   SOLE   0 0 13,348
VANGUARD INDEX FDS VALUE ETF 922908744   252,465 1,828 SH   SOLE   0 0 1,828
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,430,226 22,273 SH   SOLE   0 0 22,273
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,395,945 17,922 SH   SOLE   0 0 17,922
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,425,797 17,170 SH   SOLE   0 0 17,170
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   228,690 3,000 SH   SOLE   0 0 3,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769   479,431 2,349 SH   SOLE   0 0 2,349
VANGUARD WORLD FDS UTILITIES ETF 92204A876   915,214 6,204 SH   SOLE   0 0 6,204
VERIZON COMMUNICATIONS INC COM 92343V104   1,564,847 40,238 SH   SOLE   0 0 40,238
VISA INC COM CL A 92826C839   1,015,021 4,502 SH   SOLE   0 0 4,502
WELLTOWER INC COM 95040Q104   227,026 3,167 SH   SOLE   0 0 3,167
ZOMEDICA CORP COM 98980M109   205,843 972,334 SH   SOLE   0 0 972,334