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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Berkshire Hathaway Inc CL B 084670702 24,895 116,911 SH   SOLE   116,911 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 10,434 266,434 SH   SOLE   266,434 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 9,721 152,541 SH   SOLE   152,541 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 9,421 364,040 SH   SOLE   364,040 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 9,133 324,447 SH   SOLE   324,447 0 0
Alphabet Inc STK CL A 02079K305 8,986 6,131 SH   SOLE   6,131 0 0
Microsoft Corp COM 594918104 8,406 39,964 SH   SOLE   39,964 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 8,070 208,362 SH   SOLE   208,362 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 7,287 232,083 SH   SOLE   232,083 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 7,212 59,199 SH   SOLE   59,199 0 0
Apple Inc COM 037833100 6,646 57,386 SH   SOLE   57,386 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 6,354 50,231 SH   SOLE   50,231 0 0
Starbucks Corp COM 855244109 5,936 69,087 SH   SOLE   69,087 0 0
Verizon Communications Inc COM 92343V104 5,628 94,601 SH   SOLE   94,601 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 5,344 211,971 SH   SOLE   211,971 0 0
Morgan Stanley COM 617446448 5,308 109,779 SH   SOLE   109,779 0 0
Laboratory Corp of America Hol COM 50540R409 4,934 26,205 SH   SOLE   26,205 0 0
CVS Health Corp COM 126650100 4,917 84,197 SH   SOLE   84,197 0 0
Pfizer Inc COM 717081103 4,911 133,817 SH   SOLE   133,817 0 0
Canadian National Railway Co COM 136375102 4,735 44,478 SH   SOLE   44,478 0 0
VanEck Merk Gold Trust MERK GOLD TRUST 921078101 4,476 243,380 SH   SOLE   243,380 0 0
Walt Disney Co/The COM 254687106 4,216 33,979 SH   SOLE   33,979 0 0
L3Harris Technologies Ord COM 502431109 4,175 24,581 SH   SOLE   24,581 0 0
JPMorgan Chase & Co COM 46625H100 3,958 41,109 SH   SOLE   41,109 0 0
Paypal Holdings Inco COM 70450Y103 3,874 19,660 SH   SOLE   19,660 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 3,618 69,321 SH   SOLE   69,321 0 0
Automatic Data Processing Inc COM 053015103 3,008 21,561 SH   SOLE   21,561 0 0
Facebook Inc COM 30303M102 2,926 11,174 SH   SOLE   11,174 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 2,905 32,925 SH   SOLE   32,925 0 0
Johnson & Johnson COM 478160104 2,703 18,152 SH   SOLE   18,152 0 0
Chevron Corp COM 166764100 2,618 36,361 SH   SOLE   36,361 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 2,541 51,967 SH   SOLE   51,967 0 0
Marathon Petroleum Corp COM 56585A102 2,280 77,695 SH   SOLE   77,695 0 0
WisdomTree US Dividend ex-Fina DIV EX-FINL FD 97717W406 1,784 23,654 SH   SOLE   23,654 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 1,773 17,392 SH   SOLE   17,392 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,761 11,947 SH   SOLE   11,947 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 1,677 23,878 SH   SOLE   23,878 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 1,487 44,577 SH   SOLE   44,577 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,299 16,309 SH   SOLE   16,309 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 1,043 36,063 SH   SOLE   36,063 0 0
Amazon.com Inc COM 023135106 693 220 SH   SOLE   220 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 686 10,086 SH   SOLE   10,086 0 0
DTE Energy Co COM 233331107 473 4,107 SH   SOLE   4,107 0 0
Ford Motor Co COM 345370860 452 67,902 SH   SOLE   67,902 0 0
AT&T Inc COM 00206R102 393 13,787 SH   SOLE   13,787 0 0
Philip Morris International In COM 718172109 380 5,066 SH   SOLE   5,066 0 0
Arcus Biosciences Inc COM 03969F109 325 18,939 SH   SOLE   18,939 0 0
Exxon Mobil Corp COM 30231G102 278 8,104 SH   SOLE   8,104 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 272 2,331 SH   SOLE   2,331 0 0
Mondelez International Inc COM 609207105 264 4,588 SH   SOLE   4,588 0 0
AbbVie Inc COM 00287Y109 236 2,700 SH   SOLE   2,700 0 0
VIACOMCBS CL B ORD CL B 92556H206 226 8,086 SH   SOLE   8,086 0 0
Altria Group Inc COM 02209S103 216 5,600 SH   SOLE   5,600 0 0
ProMIS Neurosciences Inc COM 74346M109 1 10,000 SH   SOLE   10,000 0 0