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
3M CO COM 88579Y101 573 3,483 SH   SOLE   3,483 0 0
ABBOTT LABS COM 002824100 1,148 13,723 SH   SOLE   13,723 0 0
ABBVIE INC COM 00287Y109 1,146 15,132 SH   SOLE   15,132 0 0
ADOBE INC COM 00724F101 428 1,550 SH   SOLE   1,550 0 0
ALBEMARLE CORP COM 012653101 213 3,069 SH   SOLE   3,069 0 0
ALLSTATE CORP COM 020002101 2,028 18,659 SH   SOLE   18,659 0 0
ALPHABET INC CAP STK CL A 02079K305 1,559 1,277 SH   SOLE   1,277 0 0
ALPHABET INC CAP STK CL C 02079K107 616 505 SH   SOLE   505 0 0
AMAZON COM INC COM 023135106 1,495 861 SH   SOLE   861 0 0
AMERICAN ELEC PWR CO INC COM 025537101 285 3,040 SH   SOLE   3,040 0 0
AMERICAN EXPRESS CO COM 025816109 461 3,894 SH   SOLE   3,894 0 0
AMERICAN TOWER CORP NEW COM 03027X100 399 1,802 SH   SOLE   1,802 0 0
AMGEN INC COM 031162100 296 1,529 SH   SOLE   1,529 0 0
ANNALY CAP MGMT INC COM 035710409 300 34,066 SH   SOLE   34,066 0 0
AON PLC SHS CL A G0408V102 205 1,059 SH   SOLE   1,059 0 0
APPLE INC COM 037833100 5,976 26,683 SH   SOLE   26,683 0 0
APPLIED MATLS INC COM 038222105 288 5,763 SH   SOLE   5,763 0 0
AT&T INC COM 00206R102 1,158 30,593 SH   SOLE   30,593 0 0
BANK AMER CORP COM 060505104 487 16,696 SH   SOLE   16,696 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,261 10,871 SH   SOLE   10,871 0 0
BOEING CO COM 097023105 940 2,470 SH   SOLE   2,470 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 410 8,078 SH   SOLE   8,078 0 0
BROOKFIELD PROPERTY PARTRS L UNIT LTD PARTN G16249107 227 11,200 SH   SOLE   11,200 0 0
BROWN FORMAN CORP CL B 115637209 347 5,524 SH   SOLE   5,524 0 0
CANADIAN PAC RY LTD COM 13645T100 195 875 SH   SOLE   875 0 0
CARMAX INC COM 143130102 244 2,770 SH   SOLE   2,770 0 0
CATERPILLAR INC DEL COM 149123101 862 6,825 SH   SOLE   6,825 0 0
CHEVRON CORP NEW COM 166764100 708 5,967 SH   SOLE   5,967 0 0
CISCO SYS INC COM 17275R102 970 19,640 SH   SOLE   19,640 0 0
CITIGROUP INC COM NEW 172967424 339 4,905 SH   SOLE   4,905 0 0
CLOROX CO DEL COM 189054109 192 1,265 SH   SOLE   1,265 0 0
COCA COLA CO COM 191216100 516 9,487 SH   SOLE   9,487 0 0
COLGATE PALMOLIVE CO COM 194162103 463 6,305 SH   SOLE   6,305 0 0
COMCAST CORP NEW CL A 20030N101 396 8,775 SH   SOLE   8,775 0 0
CONOCOPHILLIPS COM 20825C104 225 3,956 SH   SOLE   3,956 0 0
CONSTELLATION BRANDS INC CL A 21036P108 418 2,017 SH   SOLE   2,017 0 0
CORNING INC COM 219350105 235 8,225 SH   SOLE   8,225 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,850 6,421 SH   SOLE   6,421 0 0
CSX CORP COM 126408103 312 4,504 SH   SOLE   4,504 0 0
CUMMINS INC COM 231021106 528 3,245 SH   SOLE   3,245 0 0
CVS HEALTH CORP COM 126650100 192 3,043 SH   SOLE   3,043 0 0
D R HORTON INC COM 23331A109 249 4,730 SH   SOLE   4,730 0 0
DEERE & CO COM 244199105 216 1,278 SH   SOLE   1,278 0 0
DIGITAL RLTY TR INC COM 253868103 195 1,500 SH   SOLE   1,500 0 0
DISCOVER FINL SVCS COM 254709108 668 8,235 SH   SOLE   8,235 0 0
DISNEY WALT CO COM DISNEY 254687106 652 5,006 SH   SOLE   5,006 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 451 4,701 SH   SOLE   4,701 0 0
EASTMAN CHEMICAL CO COM 277432100 442 5,985 SH   SOLE   5,985 0 0
EDISON INTL COM 281020107 329 4,367 SH   SOLE   4,367 0 0
EMERSON ELEC CO COM 291011104 340 5,079 SH   SOLE   5,079 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 238 2,760 SH   SOLE   2,760 0 0
ESSEX PPTY TR INC COM 297178105 1,367 4,184 SH   SOLE   4,184 0 0
EXELON CORP COM 30161N101 506 10,475 SH   SOLE   10,475 0 0
EXXON MOBIL CORP COM 30231G102 1,062 15,036 SH   SOLE   15,036 0 0
FACEBOOK INC CL A 30303M102 608 3,413 SH   SOLE   3,413 0 0
FEDEX CORP COM 31428X106 238 1,635 SH   SOLE   1,635 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 269 2,025 SH   SOLE   2,025 0 0
FIFTH THIRD BANCORP COM 316773100 359 13,110 SH   SOLE   13,110 0 0
FISERV INC COM 337738108 477 4,600 SH   SOLE   4,600 0 0
FLAHERTY & CRUMRIN PFD & INM COM 338478100 723 34,525 SH   SOLE   34,525 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 541 22,020 SH   SOLE   22,020 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 363 14,236 SH   SOLE   14,236 0 0
F M C CORP COM NEW 302491303 206 2,350 SH   SOLE   2,350 0 0
FRANCO NEVADA CORP COM 351858105 273 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 502 2,745 SH   SOLE   2,745 0 0
GENERAL MLS INC COM 370334104 399 7,238 SH   SOLE   7,238 0 0
GENUINE PARTS CO COM 372460105 284 2,850 SH   SOLE   2,850 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 449 2,164 SH   SOLE   2,164 0 0
GRACE W R & CO DEL NEW COM 38388F108 302 4,525 SH   SOLE   4,525 0 0
HOME DEPOT INC COM 437076102 941 4,056 SH   SOLE   4,056 0 0
HONEYWELL INTL INC COM 438516106 250 1,475 SH   SOLE   1,475 0 0
HP INC COM 40434L105 212 11,206 SH   SOLE   11,206 0 0
ILLINOIS TOOL WKS INC COM 452308109 237 1,515 SH   SOLE   1,515 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 327 3,541 SH   SOLE   3,541 0 0
INTEL CORP COM 458140100 1,378 26,739 SH   SOLE   26,739 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 728 5,002 SH   SOLE   5,002 0 0
INTUIT COM 461202103 397 1,493 SH   SOLE   1,493 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 421 780 SH   SOLE   780 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 418 12,901 SH   SOLE   12,901 0 0
ISHARES TR 20 YR TR BD ETF 464287432 493 3,445 SH   SOLE   3,445 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,045 17,114 SH   SOLE   17,114 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,043 62,234 SH   SOLE   62,234 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 316 4,312 SH   SOLE   4,312 0 0
ISHARES TR IBOXX HI YD ETF 464288513 264 3,025 SH   SOLE   3,025 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,310 10,277 SH   SOLE   10,277 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,332 20,428 SH   SOLE   20,428 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,084 75,464 SH   SOLE   75,464 0 0
ISHARES INC MSCI AUST ETF 464286103 217 9,775 SH   SOLE   9,775 0 0
ISHARES INC MSCI CDA ETF 464286509 229 7,920 SH   SOLE   7,920 0 0
ISHARES INC MSCI FRANCE ETF 464286707 421 13,972 SH   SOLE   13,972 0 0
ISHARES INC MSCI GERMANY ETF 464286806 353 13,117 SH   SOLE   13,117 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,439 25,363 SH   SOLE   25,363 0 0
ISHARES INC MSCI NETHERL ETF 464286814 286 9,114 SH   SOLE   9,114 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 199 6,762 SH   SOLE   6,762 0 0
ISHARES INC MSCI SWITZERLAND 464286749 247 6,554 SH   SOLE   6,554 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 1,084 34,502 SH   SOLE   34,502 0 0
ISHARES TR RUS 1000 ETF 464287622 930 5,655 SH   SOLE   5,655 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 526 3,478 SH   SOLE   3,478 0 0
ISHARES TR CORE S&P MCP ETF 464287507 622 3,217 SH   SOLE   3,217 0 0
ISHARES TR CORE S&P500 ETF 464287200 448 1,502 SH   SOLE   1,502 0 0
ISHARES TR CORE S&P SCP ETF 464287804 984 12,639 SH   SOLE   12,639 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,132 5,058 SH   SOLE   5,058 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,507 9,427 SH   SOLE   9,427 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,677 9,399 SH   SOLE   9,399 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,205 14,681 SH   SOLE   14,681 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 565 3,137 SH   SOLE   3,137 0 0
ISHARES TR S&P 500 VAL ETF 464287408 708 5,940 SH   SOLE   5,940 0 0
ISHARES TR TIPS BD ETF 464287176 1,437 12,359 SH   SOLE   12,359 0 0
ISHARES TR INTRM TR CRP ETF 464288638 1,810 31,241 SH   SOLE   31,241 0 0
JPMORGAN CHASE & CO COM 46625H100 3,871 32,890 SH   SOLE   32,890 0 0
JOHNSON & JOHNSON COM 478160104 2,323 17,956 SH   SOLE   17,956 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 2,514 49,858 SH   SOLE   49,858 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 216 1,625 SH   SOLE   1,625 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 284 2,923 SH   SOLE   2,923 0 0
KIMBERLY CLARK CORP COM 494368103 479 3,370 SH   SOLE   3,370 0 0
LAUDER ESTEE COS INC CL A 518439104 265 1,330 SH   SOLE   1,330 0 0
LILLY ELI & CO COM 532457108 210 1,874 SH   SOLE   1,874 0 0
LINDE PLC SHS G5494J103 267 1,380 SH   SOLE   1,380 0 0
LOWES COS INC COM 548661107 1,018 9,255 SH   SOLE   9,255 0 0
MARATHON PETE CORP COM 56585A102 224 3,684 SH   SOLE   3,684 0 0
MARRIOTT INTL INC NEW CL A 571903202 253 2,035 SH   SOLE   2,035 0 0
MCDONALDS CORP COM 580135101 557 2,593 SH   SOLE   2,593 0 0
MERCK & CO INC COM 58933Y105 958 11,384 SH   SOLE   11,384 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 201 285 SH   SOLE   285 0 0
MFA FINL INC COM 55272X102 296 40,175 SH   SOLE   40,175 0 0
RBB FD INC MFAM SMLCP GRWTH 74933W874 313 13,905 SH   SOLE   13,905 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 1,117 12,020 SH   SOLE   12,020 0 0
MICROSOFT CORP COM 594918104 6,328 45,512 SH   SOLE   45,512 0 0
MONDELEZ INTL INC CL A 609207105 214 3,870 SH   SOLE   3,870 0 0
NEXTERA ENERGY INC COM 65339F101 265 1,137 SH   SOLE   1,137 0 0
NIKE INC CL B 654106103 417 4,435 SH   SOLE   4,435 0 0
NUVEEN FLTNG RTE INCM OPP FD COM SHS 6706EN100 213 22,320 SH   SOLE   22,320 0 0
NUVEEN FLOATING RATE INCOME COM 67072T108 363 37,338 SH   SOLE   37,338 0 0
NVIDIA CORP COM 67066G104 447 2,570 SH   SOLE   2,570 0 0
ORACLE CORP COM 68389X105 2,071 37,635 SH   SOLE   37,635 0 0
PAN AMERICAN SILVER CORP COM 697900108 282 18,000 SH   SOLE   18,000 0 0
PAYCHEX INC COM 704326107 203 2,450 SH   SOLE   2,450 0 0
PEPSICO INC COM 713448108 327 2,382 SH   SOLE   2,382 0 0
PFIZER INC COM 717081103 478 13,305 SH   SOLE   13,305 0 0
PHILLIPS 66 COM 718546104 403 3,937 SH   SOLE   3,937 0 0
POLARIS INC COM 731068102 972 11,040 SH   SOLE   11,040 0 0
PROCTER & GAMBLE CO COM 742718109 536 4,307 SH   SOLE   4,307 0 0
REALTY INCOME CORP COM 756109104 1,821 23,750 SH   SOLE   23,750 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 413 11,253 SH   SOLE   11,253 0 0
ROCKWELL AUTOMATION INC COM 773903109 245 1,485 SH   SOLE   1,485 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 475 8,063 SH   SOLE   8,063 0 0
ROYAL GOLD INC COM 780287108 410 3,325 SH   SOLE   3,325 0 0
SALESFORCE COM INC COM 79466L302 1,297 8,740 SH   SOLE   8,740 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 379 67,250 SH   SOLE   67,250 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 366 11,482 SH   SOLE   11,482 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 266 4,688 SH   SOLE   4,688 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 382 5,478 SH   SOLE   5,478 0 0
SHERWIN WILLIAMS CO COM 824348106 1,888 3,433 SH   SOLE   3,433 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 319 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,055 7,600 SH   SOLE   7,600 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,534 105,387 SH   SOLE   105,387 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 291 4,745 SH   SOLE   4,745 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,653 4,690 SH   SOLE   4,690 0 0
STARBUCKS CORP COM 855244109 455 5,150 SH   SOLE   5,150 0 0
SUNTRUST BKS INC COM 867914103 257 3,735 SH   SOLE   3,735 0 0
SYNOPSYS INC COM 871607107 264 1,925 SH   SOLE   1,925 0 0
SYSCO CORP COM 871829107 255 3,213 SH   SOLE   3,213 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 258 885 SH   SOLE   885 0 0
TRAVELERS COMPANIES INC COM 89417E109 304 2,047 SH   SOLE   2,047 0 0
US BANCORP DEL COM NEW 902973304 221 3,990 SH   SOLE   3,990 0 0
UNION PACIFIC CORP COM 907818108 367 2,263 SH   SOLE   2,263 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,532 11,221 SH   SOLE   11,221 0 0
UNITEDHEALTH GROUP INC COM 91324P102 530 2,440 SH   SOLE   2,440 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 194 7,258 SH   SOLE   7,258 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 460 11,433 SH   SOLE   11,433 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,129 9,989 SH   SOLE   9,989 0 0
VARIAN MED SYS INC COM 92220P105 909 7,630 SH   SOLE   7,630 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 845 13,994 SH   SOLE   13,994 0 0
VISA INC COM CL A 92826C839 627 3,646 SH   SOLE   3,646 0 0
WALMART INC COM 931142103 322 2,710 SH   SOLE   2,710 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 1,190 21,519 SH   SOLE   21,519 0 0
WEC ENERGY GROUP INC COM 92939U106 250 2,628 SH   SOLE   2,628 0 0
WELLS FARGO CO NEW COM 949746101 269 5,328 SH   SOLE   5,328 0 0
WEYERHAEUSER CO COM 962166104 212 7,671 SH   SOLE   7,671 0 0
ZOETIS INC CL A 98978V103 216 1,736 SH   SOLE   1,736 0 0