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
ALPS ETF TR SECTR DIV DOGS 00162Q858 870 16,225 SH   SOLE NONE 0 0 16,225
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 444 25,310 SH   SOLE NONE 0 0 25,310
AMAZON COM INC COM 023135106 243 73 SH   SOLE NONE 0 0 73
APPLE INC COM 037833100 737 4,152 SH   SOLE NONE 0 0 4,152
BCE INC COM NEW 05534B760 344 6,617 SH   SOLE NONE 0 0 6,617
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 510 8,235 SH   SOLE NONE 0 0 8,235
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 821 13,722 SH   SOLE NONE 0 0 13,722
INVESCO QQQ TR UNIT SER 1 46090E103 1,216 3,057 SH   SOLE NONE 0 0 3,057
ISHARES GOLD TR ISHARES NEW 464285204 2,582 74,182 SH   SOLE NONE 0 0 74,182
ISHARES TR CORE S&P TTL STK 464287150 786 7,347 SH   SOLE NONE 0 0 7,347
ISHARES TR TIPS BD ETF 464287176 2,289 17,718 SH   SOLE NONE 0 0 17,718
ISHARES TR CORE S&P500 ETF 464287200 718 1,505 SH   SOLE NONE 0 0 1,505
ISHARES TR CORE US AGGBD ET 464287226 6,394 56,052 SH   SOLE NONE 0 0 56,052
ISHARES TR IBOXX INV CP ETF 464287242 303 2,289 SH   SOLE NONE 0 0 2,289
ISHARES TR MSCI EAFE ETF 464287465 8,215 104,404 SH   SOLE NONE 0 0 104,404
ISHARES TR RUS MID CAP ETF 464287499 401 4,826 SH   SOLE NONE 0 0 4,826
ISHARES TR CORE S&P MCP ETF 464287507 942 3,328 SH   SOLE NONE 0 0 3,328
ISHARES TR RUS 1000 ETF 464287622 342 1,295 SH   SOLE NONE 0 0 1,295
ISHARES TR RUSSELL 2000 ETF 464287655 367 1,650 SH   SOLE NONE 0 0 1,650
ISHARES TR U.S. UTILITS ETF 464287697 402 4,544 SH   SOLE NONE 0 0 4,544
ISHARES TR U.S. TECH ETF 464287721 302 2,631 SH   SOLE NONE 0 0 2,631
ISHARES TR CORE S&P SCP ETF 464287804 2,966 25,900 SH   SOLE NONE 0 0 25,900
ISHARES TR GLB CNSM STP ETF 464288737 271 4,193 SH   SOLE NONE 0 0 4,193
ISHARES TR U.S. MED DVC ETF 464288810 8,060 122,397 SH   SOLE NONE 0 0 122,397
ISHARES TR EAFE VALUE ETF 464288877 404 8,009 SH   SOLE NONE 0 0 8,009
ISHARES TR CORE HIGH DV ETF 46429B663 1,383 13,696 SH   SOLE NONE 0 0 13,696
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,912 18,059 SH   SOLE NONE 0 0 18,059
ISHARES TR CORE MSCI EAFE 46432F842 621 8,315 SH   SOLE NONE 0 0 8,315
ISHARES TR 0-5YR HI YL CP 46434V407 249 5,500 SH   SOLE NONE 0 0 5,500
ISHARES TR IBONDS DEC23 ETF 46434VAX8 3,265 127,206 SH   SOLE NONE 0 0 127,206
ISHARES TR IBONDS DEC22 ETF 46434VBA7 4,499 178,958 SH   SOLE NONE 0 0 178,958
ISHARES TR IBONDS DEC25 ETF 46434VBD1 766 29,001 SH   SOLE NONE 0 0 29,001
ISHARES TR IBONDS DEC24 ETF 46434VBG4 1,639 63,214 SH   SOLE NONE 0 0 63,214
ISHARES TR IBONDS DEC2022 46435G755 210 8,051 SH   SOLE NONE 0 0 8,051
JOHNSON & JOHNSON COM 478160104 235 1,374 SH   SOLE NONE 0 0 1,374
PIMCO ETF TR INV GRD CRP BD 72201R817 686 6,076 SH   SOLE NONE 0 0 6,076
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,506 9,486 SH   SOLE NONE 0 0 9,486
SPDR GOLD TR GOLD SHS 78463V107 389 2,278 SH   SOLE NONE 0 0 2,278
SPDR SER TR NYSE TECH ETF 78464A102 294 1,772 SH   SOLE NONE 0 0 1,772
SPDR SER TR BLOOMBERG CONV 78464A359 269 3,245 SH   SOLE NONE 0 0 3,245
SPDR SER TR PRTFLO S&P500 GW 78464A409 205 2,834 SH   SOLE NONE 0 0 2,834
SPDR SER TR S&P HOMEBUILD 78464A888 404 4,713 SH   SOLE NONE 0 0 4,713
SPDR SER TR PORTFLI HIGH YLD 78468R606 351 13,226 SH   SOLE NONE 0 0 13,226
SPDR SER TR BLOOMBERG HIGH Y 78468R622 887 8,166 SH   SOLE NONE 0 0 8,166
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 20,495 181,359 SH   SOLE NONE 0 0 181,359
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,327 46,799 SH   SOLE NONE 0 0 46,799
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,116 25,137 SH   SOLE NONE 0 0 25,137
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,583 44,544 SH   SOLE NONE 0 0 44,544
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 396 3,863 SH   SOLE NONE 0 0 3,863
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 839 28,316 SH   SOLE NONE 0 0 28,316
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 460 5,687 SH   SOLE NONE 0 0 5,687
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 915 23,540 SH   SOLE NONE 0 0 23,540
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,102 39,902 SH   SOLE NONE 0 0 39,902
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 999 4,884 SH   SOLE NONE 0 0 4,884
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 920 8,696 SH   SOLE NONE 0 0 8,696
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 897 5,157 SH   SOLE NONE 0 0 5,157
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 278 5,368 SH   SOLE NONE 0 0 5,368
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 584 32,898 SH   SOLE NONE 0 0 32,898
VANECK ETF TRUST INVESTMENT GRD 92189F486 251 9,931 SH   SOLE NONE 0 0 9,931
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,766 10,283 SH   SOLE NONE 0 0 10,283
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,972 5,788 SH   SOLE NONE 0 0 5,788
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 2,826 14,137 SH   SOLE NONE 0 0 14,137
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,570 7,737 SH   SOLE NONE 0 0 7,737
VANGUARD WORLD FDS INF TECH ETF 92204A702 11,470 25,033 SH   SOLE NONE 0 0 25,033
VANGUARD WORLD FDS UTILITIES ETF 92204A876 932 5,958 SH   SOLE NONE 0 0 5,958
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,028 12,655 SH   SOLE NONE 0 0 12,655
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,860 24,876 SH   SOLE NONE 0 0 24,876
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 562 4,847 SH   SOLE NONE 0 0 4,847
VANGUARD INDEX FDS MID CAP ETF 922908629 465 1,827 SH   SOLE NONE 0 0 1,827
VANGUARD INDEX FDS GROWTH ETF 922908736 289 901 SH   SOLE NONE 0 0 901
VANGUARD INDEX FDS VALUE ETF 922908744 7,932 53,917 SH   SOLE NONE 0 0 53,917
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,337 5,914 SH   SOLE NONE 0 0 5,914
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,794 11,572 SH   SOLE NONE 0 0 11,572
WELLTOWER INC COM 95040Q104 675 7,868 SH   SOLE NONE 0 0 7,868