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 28,317 110,843 SH   SOLE   110,843 0 0
Alphabet Inc STK CL A 02079K305 12,103 5,868 SH   SOLE   5,868 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 11,444 165,396 SH   SOLE   165,396 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 11,335 381,647 SH   SOLE   381,647 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 11,186 338,545 SH   SOLE   338,545 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 10,867 210,314 SH   SOLE   210,314 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 8,927 237,287 SH   SOLE   237,287 0 0
Microsoft Corp COM 594918104 8,924 37,852 SH   SOLE   37,852 0 0
Morgan Stanley COM 617446448 8,647 111,344 SH   SOLE   111,344 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 8,638 265,784 SH   SOLE   265,784 0 0
CVS Health Corp COM 126650100 6,698 89,033 SH   SOLE   89,033 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 6,628 52,811 SH   SOLE   52,811 0 0
Laboratory Corp of America Hol COM 50540R409 6,622 25,965 SH   SOLE   25,965 0 0
Apple Inc COM 037833100 6,578 53,855 SH   SOLE   53,855 0 0
JPMorgan Chase & Co COM 46625H100 6,453 42,390 SH   SOLE   42,390 0 0
Walt Disney Co/The COM 254687106 6,268 33,972 SH   SOLE   33,972 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 6,234 95,502 SH   SOLE   95,502 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 6,083 53,866 SH   SOLE   53,866 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 6,013 236,936 SH   SOLE   236,936 0 0
Verizon Communications Inc COM 92343V104 5,728 98,499 SH   SOLE   98,499 0 0
Canadian National Railway Co COM 136375102 5,271 45,448 SH   SOLE   45,448 0 0
L3Harris Technologies Ord COM 502431109 4,953 24,436 SH   SOLE   24,436 0 0
Starbucks Corp COM 855244109 4,893 44,780 SH   SOLE   44,780 0 0
Paypal Holdings Inco COM 70450Y103 4,824 19,865 SH   SOLE   19,865 0 0
Marathon Petroleum Corp COM 56585A102 4,795 89,641 SH   SOLE   89,641 0 0
Pfizer Inc COM 717081103 4,748 131,038 SH   SOLE   131,038 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 4,404 108,946 SH   SOLE   108,946 0 0
VanEck Merk Gold Trust MERK GOLD TRUST 921078101 4,245 255,255 SH   SOLE   255,255 0 0
BorgWarner Inc COM 099724106 4,151 89,547 SH   SOLE   89,547 0 0
Automatic Data Processing Inc COM 053015103 3,988 21,161 SH   SOLE   21,161 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 3,940 68,227 SH   SOLE   68,227 0 0
Chevron Corp COM 166764100 3,836 36,606 SH   SOLE   36,606 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 3,694 36,247 SH   SOLE   36,247 0 0
Facebook Inc COM 30303M102 3,419 11,610 SH   SOLE   11,610 0 0
Johnson & Johnson COM 478160104 3,378 20,555 SH   SOLE   20,555 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 2,907 26,783 SH   SOLE   26,783 0 0
Sprouts Farmers Market Inc COM 85208M102 2,791 104,861 SH   SOLE   104,861 0 0
WisdomTree US Dividend ex-Fina DIV EX-FINL FD 97717W406 2,433 25,797 SH   SOLE   25,797 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,857 11,546 SH   SOLE   11,546 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 1,823 34,157 SH   SOLE   34,157 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 1,801 56,237 SH   SOLE   56,237 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,470 15,205 SH   SOLE   15,205 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 688 8,693 SH   SOLE   8,693 0 0
Ford Motor Co COM 345370860 687 56,087 SH   SOLE   56,087 0 0
Goldman Sachs BDC Inc SHS 38147U107 636 32,910 SH   SOLE   32,910 0 0
Arcus Biosciences Inc COM 03969F109 532 18,939 SH   SOLE   18,939 0 0
DTE Energy Co COM 233331107 475 3,564 SH   SOLE   3,564 0 0
Philip Morris International In COM 718172109 450 5,066 SH   SOLE   5,066 0 0
Exxon Mobil Corp COM 30231G102 419 7,500 SH   SOLE   7,500 0 0
Direxion NASDAQ-100 Equal Wtd ETF NAS100 EQL WGT 25459Y207 415 5,391 SH   SOLE   5,391 0 0
Amazon.com Inc COM 023135106 405 131 SH   SOLE   131 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 310 2,331 SH   SOLE   2,331 0 0
Altria Group Inc COM 02209S103 284 5,550 SH   SOLE   5,550 0 0
Mondelez International Inc COM 609207105 269 4,588 SH   SOLE   4,588 0 0
Target Corporation COM 87612E106 220 1,112 SH   SOLE   1,112 0 0
Visa Inc COM 92826C839 200 945 SH   SOLE   945 0 0
ProMIS Neurosciences Inc COM 74346M109 2 10,000 SH   SOLE   10,000 0 0