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
ABBOTT LABS COM COM 002824100 4,920 56,645 SH   SOLE   56,414 0 230
ABERDEEN STANDARD PHYSICAL GOLD SHARES ETF COM 00326A104 1,307 89,432 SH   SOLE   89,432 0 0
ALMADEN MINERALS LTD COM CL B COM CL B 020283305 12 20,000 SH   SOLE   20,000 0 0
ALPHABET INC CAP STK CL C COM 02079K107 2,690 2,012 SH   SOLE   2,004 0 8
AMAZON COM INC COM PHYSCL GOLD SHS 023135106 3,509 1,899 SH   SOLE   1,894 0 5
ANTHEM INC COM CL C 036752103 1,571 5,202 SH   SOLE   5,182 0 20
APPLE INC COM COM 037833100 2,337 7,957 SH   SOLE   7,956 0 0
ARES CAP CORP COM COM 04010L103 3,109 166,723 SH   SOLE   166,042 0 680
ASTRAZENECA PLC SPONSORED ADR COM 046353108 3,946 79,150 SH   SOLE   78,851 0 299
AT&T INC COM COM NEW 00206R102 2,410 61,661 SH   SOLE   61,386 0 275
AVISTA CORP COM COM 05379B107 117 2,423 SH   SOLE   2,423 0 0
BAIDU INC SPON ADR REP A COM 056752108 1,369 10,831 SH   SOLE   10,791 0 40
BCE INC COM NEW SPON ADR B 05534B760 2,410 52,000 SH   SOLE   51,786 0 214
BLACKROCK INC COM COM 09247X101 2,278 4,532 SH   SOLE   4,513 0 18
CHEVRON CORP NEW COM COM 166764100 3,227 26,778 SH   SOLE   26,667 0 111
CLOROX CO DEL COM SPONSORED ADR 189054109 2,797 18,215 SH   SOLE   18,146 0 69
COCA COLA CO COM COM 191216100 2,936 53,038 SH   SOLE   52,837 0 201
COOPER COS INC COM NEW SPON ADR 216648402 2,965 9,227 SH   SOLE   9,192 0 35
DIREXION NASDAQ-100 EQUAL WEIGHTED INDEX SHARES INTERNATIONAL EQUITY ETF 25459Y207 5,957 108,508 SH   SOLE   108,508 0 0
EBAY INC COM COM 278642103 997 27,616 SH   SOLE   27,508 0 107
ENBRIDGE INC COM U.S. BROAD MARKET ETF 29250N105 2,543 63,943 SH   SOLE   63,701 0 242
EVERSOURCE ENERGY COM U.S. LARGE CAP ETF 30040W108 291 3,417 SH   SOLE   3,417 0 0
FIRST INTST BANCSYSTEM INC COM CL A TOP 50 ETF 32055Y201 216 5,159 SH   SOLE   5,159 0 0
FS KKR CAPITAL CORP COM COM 302635107 1,218 198,742 SH   SOLE   198,742 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR U.S. MID-CAP ETF 37733W105 2,762 58,786 SH   SOLE   58,556 0 230
HANESBRANDS INC COM COM 410345102 1,837 123,675 SH   SOLE   123,118 0 557
INTEL CORP COM COM 458140100 4,537 75,814 SH   SOLE   75,507 0 306
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF US DIVIDEN EQUITY ETF 46138E784 1,468 49,612 SH   SOLE   49,612 0 0
INVESCO S&P 500 TOP 50 ETF U.S. REIT ETF 46137V233 5,487 23,512 SH   SOLE   23,512 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF COM 464287242 1,446 11,298 SH   SOLE   11,298 0 0
JOHNSON & JOHNSON COM COM NEW 478160104 3,204 21,963 SH   SOLE   21,877 0 85
KIMBERLY CLARK CORP COM NAS100 EQL WGT 494368103 2,381 17,310 SH   SOLE   17,233 0 76
LOCKHEED MARTIN CORP COM COM 539830109 3,533 9,073 SH   SOLE   9,031 0 42
MADISON CVRED CALL & EQ STR FD COM COM 557437100 126 18,971 SH   SOLE   18,971 0 0
MASTERCARD INC CL A PORTFOLIO LN TSR 57636Q104 5,373 17,995 SH   SOLE   17,923 0 71
METLIFE INC COM TR UNIT 59156R108 3,177 62,322 SH   SOLE   62,060 0 262
MICROSOFT CORP COM COM 594918104 6,895 43,724 SH   SOLE   43,531 0 192
O REILLY AUTOMOTIVE INC NEW COM COM 67103H107 4,855 11,078 SH   SOLE   11,035 0 43
ORACLE CORP COM COM 68389X105 2,092 39,495 SH   SOLE   39,353 0 142
PAYPAL HLDGS INC COM SPON ADR NEW 70450Y103 2,917 26,971 SH   SOLE   26,865 0 106
PROCTER & GAMBLE CO COM COM CL A 742718109 3,529 28,257 SH   SOLE   28,152 0 105
ROYAL DUTCH SHELL PLC SPON ADR B COM 780259107 2,892 48,224 SH   SOLE   48,021 0 202
ROYAL GOLD INC COM SPONSORED ADR 780287108 235 1,923 SH   SOLE   1,923 0 0
SCHWAB INTERNATIONAL EQUITY ETF COM 808524805 25,272 751,464 SH   SOLE   746,019 0 5,445
SCHWAB U.S. BROAD MARKET ETF COM 808524102 30,497 396,677 SH   SOLE   393,638 0 3,039
SCHWAB U.S. LARGE-CAP ETF EMRNG MKT SVRG 808524201 36,438 474,390 SH   SOLE   471,326 0 3,064
SCHWAB U.S. LARGE-CAP GROWTH ETF S&P 500 TOP 50 808524300 5,929 63,811 SH   SOLE   63,810 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 5,316 88,415 SH   SOLE   88,415 0 0
SCHWAB U.S. MID-CAP ETF IBOXX INV CP ETF 808524508 29,310 487,274 SH   SOLE   483,743 0 3,530
SCHWAB U.S. REIT ETF COM 808524847 5,272 114,715 SH   SOLE   114,715 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 31,983 552,196 SH   SOLE   548,146 0 4,049
SPDR PORTFOLIO LONG TERM TREASURY ETF TOTAL STK MKT 78464A664 1,387 35,676 SH   SOLE   35,676 0 0
SPDR S&P 500 ETF CL B 78462F103 1,000 3,106 SH   SOLE   3,106 0 0
SYSCO CORP COM COM 871829107 4,356 50,923 SH   SOLE   50,691 0 231
THE CHARLES SCHWAB CORPORATION COM COM 808513105 1,644 34,568 SH   SOLE   34,433 0 134
UNILEVER PLC SPON ADR NEW CL A 904767704 2,984 52,187 SH   SOLE   51,958 0 229
UNITED PARCEL SERVICE INC CL B COM 911312106 2,760 23,576 SH   SOLE   23,470 0 106
VANGUARD TOTAL STOCK MARKET INDEX FUND COM 922908769 1,054 6,443 SH   SOLE   6,443 0 0
VENTAS INC COM COM 92276F100 2,321 40,189 SH   SOLE   40,027 0 162
VERIZON COMMUNICATIONS INC COM COM 92343V104 3,102 50,521 SH   SOLE   50,350 0 171
VISA INC COM CL A CL A 92826C839 3,290 17,510 SH   SOLE   17,442 0 67
WASTE MGMT INC DEL COM COM 94106L109 4,516 39,627 SH   SOLE   39,458 0 169