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 602 3,414 SH   SOLE   3,414 0 0
ABB LTD SPONSORED ADR 000375204 226 9,400 SH   SOLE   9,400 0 0
ABBOTT LABS COM 002824100 1,166 13,423 SH   SOLE   13,423 0 0
ABBVIE INC COM 00287Y109 1,318 14,882 SH   SOLE   14,882 0 0
ADOBE INC COM 00724F101 462 1,400 SH   SOLE   1,400 0 0
ALLSTATE CORP COM 020002101 2,107 18,734 SH   SOLE   18,734 0 0
ALPHABET INC CAP STK CL A 02079K305 1,669 1,246 SH   SOLE   1,246 0 0
ALPHABET INC CAP STK CL C 02079K107 635 475 SH   SOLE   475 0 0
AMAZON COM INC COM 023135106 1,635 885 SH   SOLE   885 0 0
AMERICAN ELEC PWR CO INC COM 025537101 287 3,040 SH   SOLE   3,040 0 0
AMERICAN EXPRESS CO COM 025816109 405 3,255 SH   SOLE   3,255 0 0
AMERICAN TOWER CORP NEW COM 03027X100 438 1,908 SH   SOLE   1,908 0 0
AMGEN INC COM 031162100 382 1,584 SH   SOLE   1,584 0 0
ANNALY CAP MGMT INC COM 035710409 312 33,126 SH   SOLE   33,126 0 0
AON PLC SHS CL A G0408V102 221 1,060 SH   SOLE   1,060 0 0
APPLE INC COM 037833100 7,668 26,113 SH   SOLE   26,113 0 0
APPLIED MATLS INC COM 038222105 343 5,613 SH   SOLE   5,613 0 0
AT&T INC COM 00206R102 1,177 30,121 SH   SOLE   30,121 0 0
BANK AMER CORP COM 060505104 431 12,233 SH   SOLE   12,233 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,315 10,221 SH   SOLE   10,221 0 0
BIOGEN INC COM 09062X103 223 752 SH   SOLE   752 0 0
BOEING CO COM 097023105 831 2,550 SH   SOLE   2,550 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 545 8,495 SH   SOLE   8,495 0 0
BROOKFIELD PROPERTY PARTRS L UNIT LTD PARTN G16249107 205 11,200 SH   SOLE   11,200 0 0
BROWN FORMAN CORP CL B 115637209 315 4,654 SH   SOLE   4,654 0 0
CANADIAN PAC RY LTD COM 13645T100 223 875 SH   SOLE   875 0 0
CATERPILLAR INC DEL COM 149123101 966 6,543 SH   SOLE   6,543 0 0
CHEVRON CORP NEW COM 166764100 606 5,026 SH   SOLE   5,026 0 0
CISCO SYS INC COM 17275R102 950 19,815 SH   SOLE   19,815 0 0
CITIGROUP INC COM NEW 172967424 396 4,955 SH   SOLE   4,955 0 0
CLOROX CO DEL COM 189054109 192 1,252 SH   SOLE   1,252 0 0
COCA COLA CO COM 191216100 472 8,534 SH   SOLE   8,534 0 0
COLGATE PALMOLIVE CO COM 194162103 430 6,250 SH   SOLE   6,250 0 0
COMCAST CORP NEW CL A 20030N101 401 8,925 SH   SOLE   8,925 0 0
CONOCOPHILLIPS COM 20825C104 255 3,916 SH   SOLE   3,916 0 0
CONSTELLATION BRANDS INC CL A 21036P108 386 2,033 SH   SOLE   2,033 0 0
CORNING INC COM 219350105 247 8,475 SH   SOLE   8,475 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,770 6,021 SH   SOLE   6,021 0 0
CSX CORP COM 126408103 324 4,481 SH   SOLE   4,481 0 0
CUMMINS INC COM 231021106 560 3,128 SH   SOLE   3,128 0 0
CVS HEALTH CORP COM 126650100 226 3,043 SH   SOLE   3,043 0 0
D R HORTON INC COM 23331A109 239 4,525 SH   SOLE   4,525 0 0
DEERE & CO COM 244199105 221 1,278 SH   SOLE   1,278 0 0
DISCOVER FINL SVCS COM 254709108 692 8,160 SH   SOLE   8,160 0 0
DISNEY WALT CO COM DISNEY 254687106 711 4,916 SH   SOLE   4,916 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 429 4,701 SH   SOLE   4,701 0 0
EASTMAN CHEMICAL CO COM 277432100 465 5,867 SH   SOLE   5,867 0 0
EDISON INTL COM 281020107 320 4,249 SH   SOLE   4,249 0 0
EMERSON ELEC CO COM 291011104 397 5,204 SH   SOLE   5,204 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 215 2,660 SH   SOLE   2,660 0 0
ESSEX PPTY TR INC COM 297178105 1,247 4,144 SH   SOLE   4,144 0 0
EXELON CORP COM 30161N101 454 9,955 SH   SOLE   9,955 0 0
EXXON MOBIL CORP COM 30231G102 902 12,926 SH   SOLE   12,926 0 0
FACEBOOK INC CL A 30303M102 690 3,363 SH   SOLE   3,363 0 0
FEDEX CORP COM 31428X106 246 1,625 SH   SOLE   1,625 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 282 2,025 SH   SOLE   2,025 0 0
FIFTH THIRD BANCORP COM 316773100 403 13,112 SH   SOLE   13,112 0 0
FISERV INC COM 337738108 543 4,700 SH   SOLE   4,700 0 0
FLAHERTY & CRUMRIN PFD & INM COM 338478100 749 34,525 SH   SOLE   34,525 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 510 20,623 SH   SOLE   20,623 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 344 13,441 SH   SOLE   13,441 0 0
F M C CORP COM NEW 302491303 226 2,265 SH   SOLE   2,265 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 210 3,215 SH   SOLE   3,215 0 0
FRANCO NEVADA CORP COM 351858105 309 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 484 2,745 SH   SOLE   2,745 0 0
GENERAL MLS INC COM 370334104 388 7,240 SH   SOLE   7,240 0 0
GENUINE PARTS CO COM 372460105 303 2,850 SH   SOLE   2,850 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 498 2,164 SH   SOLE   2,164 0 0
GRACE W R & CO DEL NEW COM 38388F108 300 4,300 SH   SOLE   4,300 0 0
HOME DEPOT INC COM 437076102 877 4,016 SH   SOLE   4,016 0 0
HONEYWELL INTL INC COM 438516106 256 1,445 SH   SOLE   1,445 0 0
HP INC COM 40434L105 230 11,206 SH   SOLE   11,206 0 0
ILLINOIS TOOL WKS INC COM 452308109 274 1,525 SH   SOLE   1,525 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 253 3,341 SH   SOLE   3,341 0 0
INTEL CORP COM 458140100 1,534 25,623 SH   SOLE   25,623 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 657 4,904 SH   SOLE   4,904 0 0
INTUIT COM 461202103 340 1,298 SH   SOLE   1,298 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 364 615 SH   SOLE   615 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 457 12,956 SH   SOLE   12,956 0 0
ISHARES TR 20 YR TR BD ETF 464287432 534 3,945 SH   SOLE   3,945 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,199 18,374 SH   SOLE   18,374 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,667 68,225 SH   SOLE   68,225 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 294 3,937 SH   SOLE   3,937 0 0
ISHARES TR IBOXX HI YD ETF 464288513 266 3,025 SH   SOLE   3,025 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,306 10,202 SH   SOLE   10,202 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,387 19,968 SH   SOLE   19,968 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,470 77,335 SH   SOLE   77,335 0 0
ISHARES INC MSCI AUST ETF 464286103 214 9,450 SH   SOLE   9,450 0 0
ISHARES INC MSCI CDA ETF 464286509 237 7,920 SH   SOLE   7,920 0 0
ISHARES INC MSCI FRANCE ETF 464286707 441 13,472 SH   SOLE   13,472 0 0
ISHARES INC MSCI GERMANY ETF 464286806 383 13,017 SH   SOLE   13,017 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,451 24,485 SH   SOLE   24,485 0 0
ISHARES INC MSCI NETHERL ETF 464286814 308 9,091 SH   SOLE   9,091 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 203 6,177 SH   SOLE   6,177 0 0
ISHARES INC MSCI SWITZERLAND 464286749 243 5,979 SH   SOLE   5,979 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 1,150 33,727 SH   SOLE   33,727 0 0
ISHARES TR RUS 1000 ETF 464287622 994 5,570 SH   SOLE   5,570 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 541 3,268 SH   SOLE   3,268 0 0
ISHARES TR CORE S&P MCP ETF 464287507 683 3,318 SH   SOLE   3,318 0 0
ISHARES TR CORE S&P500 ETF 464287200 715 2,211 SH   SOLE   2,211 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,077 12,843 SH   SOLE   12,843 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,092 4,586 SH   SOLE   4,586 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,541 9,023 SH   SOLE   9,023 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,767 9,141 SH   SOLE   9,141 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,294 14,265 SH   SOLE   14,265 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 576 2,974 SH   SOLE   2,974 0 0
ISHARES TR S&P 500 VAL ETF 464287408 706 5,428 SH   SOLE   5,428 0 0
ISHARES TR TIPS BD ETF 464287176 1,362 11,684 SH   SOLE   11,684 0 0
ISHARES TR INTRM TR CRP ETF 464288638 1,730 29,837 SH   SOLE   29,837 0 0
JPMORGAN CHASE & CO COM 46625H100 4,550 32,640 SH   SOLE   32,640 0 0
JOHNSON & JOHNSON COM 478160104 2,584 17,712 SH   SOLE   17,712 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 3,584 71,076 SH   SOLE   71,076 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 213 1,392 SH   SOLE   1,392 0 0
KELLOGG CO COM 487836108 213 3,082 SH   SOLE   3,082 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 285 2,773 SH   SOLE   2,773 0 0
KIMBERLY CLARK CORP COM 494368103 456 3,315 SH   SOLE   3,315 0 0
LAUDER ESTEE COS INC CL A 518439104 277 1,340 SH   SOLE   1,340 0 0
LILLY ELI & CO COM 532457108 210 1,599 SH   SOLE   1,599 0 0
LINDE PLC SHS G5494J103 299 1,405 SH   SOLE   1,405 0 0
LOWES COS INC COM 548661107 1,093 9,130 SH   SOLE   9,130 0 0
MARATHON PETE CORP COM 56585A102 200 3,324 SH   SOLE   3,324 0 0
MARRIOTT INTL INC NEW CL A 571903202 255 1,685 SH   SOLE   1,685 0 0
MASTERCARD INC CL A 57636Q104 229 767 SH   SOLE   767 0 0
MCDONALDS CORP COM 580135101 502 2,539 SH   SOLE   2,539 0 0
MERCK & CO INC COM 58933Y105 1,007 11,068 SH   SOLE   11,068 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 238 300 SH   SOLE   300 0 0
MFA FINL INC COM 55272X102 307 40,175 SH   SOLE   40,175 0 0
RBB FD INC MFAM SMLCP GRWTH 74933W874 357 13,905 SH   SOLE   13,905 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 1,079 10,306 SH   SOLE   10,306 0 0
MICROSOFT CORP COM 594918104 6,815 43,214 SH   SOLE   43,214 0 0
MONDELEZ INTL INC CL A 609207105 206 3,745 SH   SOLE   3,745 0 0
NETFLIX INC COM 64110L106 239 739 SH   SOLE   739 0 0
NEXTERA ENERGY INC COM 65339F101 280 1,154 SH   SOLE   1,154 0 0
NIKE INC CL B 654106103 378 3,735 SH   SOLE   3,735 0 0
NUVEEN FLTNG RTE INCM OPP FD COM SHS 6706EN100 223 22,320 SH   SOLE   22,320 0 0
NUVEEN FLOATING RATE INCOME COM 67072T108 363 35,495 SH   SOLE   35,495 0 0
NVIDIA CORP COM 67066G104 609 2,588 SH   SOLE   2,588 0 0
ORACLE CORP COM 68389X105 1,933 36,485 SH   SOLE   36,485 0 0
PAN AMERICAN SILVER CORP COM 697900108 426 18,000 SH   SOLE   18,000 0 0
PEPSICO INC COM 713448108 326 2,382 SH   SOLE   2,382 0 0
PFIZER INC COM 717081103 484 12,356 SH   SOLE   12,356 0 0
PHILLIPS 66 COM 718546104 426 3,825 SH   SOLE   3,825 0 0
POLARIS INC COM 731068102 1,123 11,040 SH   SOLE   11,040 0 0
PROCTER & GAMBLE CO COM 742718109 551 4,412 SH   SOLE   4,412 0 0
REALTY INCOME CORP COM 756109104 1,679 22,800 SH   SOLE   22,800 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 418 11,278 SH   SOLE   11,278 0 0
ROCKWELL AUTOMATION INC COM 773903109 295 1,455 SH   SOLE   1,455 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 462 7,825 SH   SOLE   7,825 0 0
ROYAL GOLD INC COM 780287108 406 3,325 SH   SOLE   3,325 0 0
SALESFORCE COM INC COM 79466L302 1,421 8,740 SH   SOLE   8,740 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 488 65,450 SH   SOLE   65,450 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 381 11,332 SH   SOLE   11,332 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 284 4,718 SH   SOLE   4,718 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 417 5,513 SH   SOLE   5,513 0 0
SHERWIN WILLIAMS CO COM 824348106 2,000 3,427 SH   SOLE   3,427 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 319 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,086 7,600 SH   SOLE   7,600 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,758 107,037 SH   SOLE   107,037 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 312 4,745 SH   SOLE   4,745 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,757 4,681 SH   SOLE   4,681 0 0
STARBUCKS CORP COM 855244109 396 4,500 SH   SOLE   4,500 0 0
SYNOPSYS INC COM 871607107 271 1,950 SH   SOLE   1,950 0 0
SYSCO CORP COM 871829107 253 2,960 SH   SOLE   2,960 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 271 835 SH   SOLE   835 0 0
TRAVELERS COMPANIES INC COM 89417E109 236 1,722 SH   SOLE   1,722 0 0
TRUIST FINL CORP COM 89832Q109 293 5,211 SH   SOLE   5,211 0 0
US BANCORP DEL COM NEW 902973304 238 4,015 SH   SOLE   4,015 0 0
UNION PACIFIC CORP COM 907818108 399 2,205 SH   SOLE   2,205 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,632 10,897 SH   SOLE   10,897 0 0
UNITEDHEALTH GROUP INC COM 91324P102 695 2,365 SH   SOLE   2,365 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 213 7,258 SH   SOLE   7,258 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 486 10,933 SH   SOLE   10,933 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,191 9,993 SH   SOLE   9,993 0 0
VARIAN MED SYS INC COM 92220P105 1,089 7,665 SH   SOLE   7,665 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 862 14,044 SH   SOLE   14,044 0 0
VISA INC COM CL A 92826C839 692 3,681 SH   SOLE   3,681 0 0
WALMART INC COM 931142103 321 2,705 SH   SOLE   2,705 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 1,263 21,422 SH   SOLE   21,422 0 0
WELLS FARGO CO NEW COM 949746101 214 3,981 SH   SOLE   3,981 0 0
WEYERHAEUSER CO COM 962166104 228 7,551 SH   SOLE   7,551 0 0
ZOETIS INC CL A 98978V103 225 1,696 SH   SOLE   1,696 0 0