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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 400,843 3,651 SH   SOLE   3,651 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 814,676 5,041 SH   SOLE   5,041 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 1,633,180 4,853 SH   SOLE   4,853 0 0
AGNICO EAGLE MINES LTD COM 008474108 BBG001S77MK3 3,836,134 73,786 SH   SOLE   73,786 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 528,498 5,990 SH   SOLE   5,990 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 9,020,735 101,665 SH   SOLE   101,665 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 6,293,028 74,917 SH   SOLE   74,917 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 4,647,940 17,697 SH   SOLE   17,697 0 0
APPLE INC COM 037833100 BBG001S5N8V8 12,994,230 100,009 SH   SOLE   100,009 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 286,632 1,200 SH   SOLE   1,200 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 258,402 7,802 SH   SOLE   7,802 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 385,198 1,247 SH   SOLE   1,247 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 3,099,501 1,538 SH   SOLE   1,538 0 0
CARIBOU BIOSCIENCES INC COM 142038108 BBG008G28LH7 533,926 85,020 SH   SOLE   85,020 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 7,485,092 41,702 SH   SOLE   41,702 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 6,172,043 129,556 SH   SOLE   129,556 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 3,585,544 102,532 SH   SOLE   102,532 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 5,689,675 12,464 SH   SOLE   12,464 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 3,548,668 19,915 SH   SOLE   19,915 0 0
DIGITAL RLTY TR INC COM 253868103 BBG001SM0K30 2,267,217 22,611 SH   SOLE   22,611 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,859,232 21,400 SH   SOLE   21,400 0 0
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 312,292 7,987 SH   SOLE   7,987 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 BBG001S723L9 1,642,254 27,831 SH   SOLE   27,831 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 6,648,962 60,281 SH   SOLE   60,281 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 BBG001TG3G38 4,080,636 33,478 SH   SOLE   33,478 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 7,366,893 87,858 SH   SOLE   87,858 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 631,617 32,608 SH   SOLE   32,608 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 254,101 740 SH   SOLE   740 0 0
HARSCO CORP COM 415864107 BBG001S5S0V0 125,800 20,000 SH   SOLE   20,000 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,900,674 12,349 SH   SOLE   12,349 0 0
INTEL CORP COM 458140100 BBG001S5SF65 1,284,498 48,600 SH   SOLE   48,600 0 0
INTUIT COM 461202103 BBG001S6TWR2 237,813 611 SH   SOLE   611 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,155,838 12,213 SH   SOLE   12,147 0 66
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,121,519 13,330 SH   SOLE   13,330 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 246,698 1,150 SH   SOLE   1,150 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 2,045,555 37,540 SH   SOLE   37,540 0 0
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 BBG00Z6Q0T95 307,150 6,721 SH   SOLE   6,721 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 8,713,276 173,807 SH   SOLE   173,282 0 525
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 809,587 4,583 SH   SOLE   4,583 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 5,458,391 40,704 SH   SOLE   40,704 0 0
LINDE PLC SHS G5494J103 BBG00GVR8YR8 5,283,464 16,198 SH   SOLE   16,198 0 0
MASCO CORP COM 574599106 BBG001S5SZ70 4,593,589 98,427 SH   SOLE   98,427 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 234,542 890 SH   SOLE   890 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 3,232,661 41,590 SH   SOLE   41,590 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 4,205,056 37,898 SH   SOLE   37,898 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 20,986,657 87,510 SH   SOLE   87,510 0 0
NUCOR CORP COM 670346105 BBG001S5TRV0 472,143 3,582 SH   SOLE   3,582 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 5,414,971 37,053 SH   SOLE   37,053 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 714,244 8,738 SH   SOLE   8,738 0 0
PEPSICO INC COM 713448108 BBG001S695T1 211,372 1,170 SH   SOLE   1,170 0 0
PFIZER INC COM 717081103 BBG001S5V466 3,479,298 67,902 SH   SOLE   67,902 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 7,672,910 50,626 SH   SOLE   50,626 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 5,831,426 53,042 SH   SOLE   53,042 0 0
ROPER TECHNOLOGIES INC COM 776696106 BBG001S9B362 4,775,131 11,051 SH   SOLE   11,051 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 8,085,222 97,108 SH   SOLE   97,108 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 3,618,859 152,888 SH   SOLE   152,888 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,851,914 57,495 SH   SOLE   57,495 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 747,045 15,486 SH   SOLE   15,486 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 1,108,761 23,104 SH   SOLE   22,843 0 261
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,619,245 18,512 SH   SOLE   18,401 0 111
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 1,413,691 41,336 SH   SOLE   41,005 0 331
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 BBG00B597137 433,447 11,737 SH   SOLE   11,653 0 84
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 1,148,620 8,893 SH   SOLE   8,813 0 80
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,468,784 19,702 SH   SOLE   19,503 0 199
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 1,787,378 13,157 SH   SOLE   13,036 0 121
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 1,093,765 11,137 SH   SOLE   11,050 0 87
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 1,049,146 13,506 SH   SOLE   13,397 0 109
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 3,157,541 25,374 SH   SOLE   25,122 0 252
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 5,281,444 92,738 SH   SOLE   92,738 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,287,907 7,592 SH   SOLE   7,592 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,738,990 7,162 SH   SOLE   6,542 0 620
SPDR SER TR PORTFOLIO SH TSR 78468R101 BBG0029J2KF1 9,125,622 315,875 SH   SOLE   315,875 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 3,333,621 13,635 SH   SOLE   13,635 0 0
TARGET CORP COM 87612E106 BBG001SC0K41 1,405,000 9,427 SH   SOLE   9,427 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 4,860,965 8,827 SH   SOLE   8,827 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 3,852,481 48,398 SH   SOLE   48,398 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 7,144,497 42,504 SH   SOLE   42,504 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 6,823,947 12,871 SH   SOLE   12,871 0 0
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 2,927,318 67,125 SH   SOLE   67,125 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 8,615,180 175,820 SH   SOLE   175,820 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 15,420,482 84,017 SH   SOLE   83,964 0 53
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 11,015,731 282,600 SH   SOLE   282,327 0 273
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 504,871 6,715 SH   SOLE   6,388 0 327
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,917,458 307,778 SH   SOLE   307,555 0 223
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 5,535,455 36,095 SH   SOLE   36,072 0 23
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 3,759,805 95,427 SH   SOLE   95,427 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 5,775,966 27,801 SH   SOLE   27,801 0 0
VMWARE INC CL A COM 928563402 BBG001S6TFZ0 232,139 1,891 SH   SOLE   1,891 0 0
XYLEM INC COM 98419M100 BBG001V05C73 2,733,512 24,722 SH   SOLE   24,722 0 0
ZOETIS INC CL A 98978V103 BBG0039320P7 4,106,331 28,020 SH   SOLE   28,020 0 0