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 658 4,216 SH   SOLE   4,216 0 0
ABB LTD SPONSORED ADR 000375204 212 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100 1,214 13,283 SH   SOLE   13,283 0 0
ABBVIE INC COM 00287Y109 1,464 14,915 SH   SOLE   14,915 0 0
ADOBE INC COM 00724F101 603 1,385 SH   SOLE   1,385 0 0
AIR PRODS & CHEMS INC COM 009158106 363 1,501 SH   SOLE   1,501 0 0
ALBEMARLE CORP COM 012653101 297 3,850 SH   SOLE   3,850 0 0
ALLSTATE CORP COM 020002101 1,769 18,244 SH   SOLE   18,244 0 0
ALPHABET INC CAP STK CL A 02079K305 1,733 1,222 SH   SOLE   1,222 0 0
ALPHABET INC CAP STK CL C 02079K107 917 649 SH   SOLE   649 0 0
AMAZON COM INC COM 023135106 2,579 935 SH   SOLE   935 0 0
AMERICAN ELEC PWR CO INC COM 025537101 242 3,040 SH   SOLE   3,040 0 0
AMERICAN EXPRESS CO COM 025816109 224 2,355 SH   SOLE   2,355 0 0
AMERICAN TOWER CORP NEW COM 03027X100 493 1,906 SH   SOLE   1,906 0 0
AMGEN INC COM 031162100 421 1,784 SH   SOLE   1,784 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 219 33,453 SH   SOLE   33,453 0 0
APPLE INC COM 037833100 8,547 23,428 SH   SOLE   23,428 0 0
APPLIED MATLS INC COM 038222105 347 5,740 SH   SOLE   5,740 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 254 6,358 SH   SOLE   6,358 0 0
AT&T INC COM 00206R102 943 31,184 SH   SOLE   31,184 0 0
BK OF AMERICA CORP COM 060505104 340 14,319 SH   SOLE   14,319 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,825 10,222 SH   SOLE   10,222 0 0
BIOGEN INC COM 09062X103 208 777 SH   SOLE   777 0 0
BLACKROCK INC COM 09247X101 227 418 SH   SOLE   418 0 0
BOEING CO COM 097023105 219 1,194 SH   SOLE   1,194 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 509 8,663 SH   SOLE   8,663 0 0
BROWN FORMAN CORP CL B 115637209 270 4,233 SH   SOLE   4,233 0 0
CANADIAN PAC RY LTD COM 13645T100 223 875 SH   SOLE   875 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 218 9,797 SH   SOLE   9,797 0 0
CATERPILLAR INC DEL COM 149123101 820 6,483 SH   SOLE   6,483 0 0
CHEVRON CORP NEW COM 166764100 326 3,648 SH   SOLE   3,648 0 0
CISCO SYS INC COM 17275R102 928 19,897 SH   SOLE   19,897 0 0
CITIGROUP INC COM NEW 172967424 374 7,315 SH   SOLE   7,315 0 0
CLOROX CO DEL COM 189054109 314 1,429 SH   SOLE   1,429 0 0
CLOUDFLARE INC CL A COM 18915M107 3,360 93,455 SH   SOLE   93,455 0 0
COCA COLA CO COM 191216100 405 9,064 SH   SOLE   9,064 0 0
COLGATE PALMOLIVE CO COM 194162103 485 6,625 SH   SOLE   6,625 0 0
COMCAST CORP NEW CL A 20030N101 401 10,275 SH   SOLE   10,275 0 0
CONSTELLATION BRANDS INC CL A 21036P108 334 1,910 SH   SOLE   1,910 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,950 6,430 SH   SOLE   6,430 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 223 1,335 SH   SOLE   1,335 0 0
CSX CORP COM 126408103 304 4,362 SH   SOLE   4,362 0 0
CUMMINS INC COM 231021106 545 3,144 SH   SOLE   3,144 0 0
CVS HEALTH CORP COM 126650100 205 3,153 SH   SOLE   3,153 0 0
D R HORTON INC COM 23331A109 240 4,335 SH   SOLE   4,335 0 0
DEERE & CO COM 244199105 190 1,207 SH   SOLE   1,207 0 0
DIGITAL RLTY TR INC COM 253868103 314 2,206 SH   SOLE   2,206 0 0
DISCOVER FINL SVCS COM 254709108 406 8,100 SH   SOLE   8,100 0 0
DISNEY WALT CO COM DISNEY 254687106 583 5,228 SH   SOLE   5,228 0 0
DOMINION ENERGY INC COM 25746U109 205 2,519 SH   SOLE   2,519 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 377 4,723 SH   SOLE   4,723 0 0
EASTMAN CHEM CO COM 277432100 377 5,420 SH   SOLE   5,420 0 0
ECOLAB INC COM 278865100 214 1,076 SH   SOLE   1,076 0 0
EDISON INTL COM 281020107 236 4,354 SH   SOLE   4,354 0 0
EMERSON ELEC CO COM 291011104 325 5,245 SH   SOLE   5,245 0 0
ESSEX PPTY TR INC COM 297178105 943 4,114 SH   SOLE   4,114 0 0
EXELON CORP COM 30161N101 323 8,905 SH   SOLE   8,905 0 0
EXXON MOBIL CORP COM 30231G102 348 7,786 SH   SOLE   7,786 0 0
FACEBOOK INC CL A 30303M102 764 3,363 SH   SOLE   3,363 0 0
FEDEX CORP COM 31428X106 213 1,518 SH   SOLE   1,518 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 282 2,100 SH   SOLE   2,100 0 0
FISERV INC COM 337738108 459 4,700 SH   SOLE   4,700 0 0
FLAHERTY & CRUMRIN PFD & INM COM 338478100 681 33,866 SH   SOLE   33,866 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 509 20,126 SH   SOLE   20,126 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 358 13,397 SH   SOLE   13,397 0 0
F M C CORP COM NEW 302491303 224 2,250 SH   SOLE   2,250 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 200 3,134 SH   SOLE   3,134 0 0
FRANCO NEV CORP COM 351858105 418 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 429 2,870 SH   SOLE   2,870 0 0
GENERAL MLS INC COM 370334104 469 7,609 SH   SOLE   7,609 0 0
GENUINE PARTS CO COM 372460105 252 2,900 SH   SOLE   2,900 0 0
GILEAD SCIENCES INC COM 375558103 294 3,815 SH   SOLE   3,815 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 425 2,150 SH   SOLE   2,150 0 0
GRACE W R & CO DEL NEW COM 38388F108 218 4,300 SH   SOLE   4,300 0 0
HOME DEPOT INC COM 437076102 1,032 4,121 SH   SOLE   4,121 0 0
HONEYWELL INTL INC COM 438516106 238 1,645 SH   SOLE   1,645 0 0
HP INC COM 40434L105 198 11,356 SH   SOLE   11,356 0 0
ILLINOIS TOOL WKS INC COM 452308109 255 1,460 SH   SOLE   1,460 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 231 2,626 SH   SOLE   2,626 0 0
INTEL CORP COM 458140100 1,450 24,233 SH   SOLE   24,233 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 541 4,483 SH   SOLE   4,483 0 0
INTUIT COM 461202103 392 1,324 SH   SOLE   1,324 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 328 575 SH   SOLE   575 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 260 9,640 SH   SOLE   9,640 0 0
ISHARES TR 20 YR TR BD ETF 464287432 798 4,870 SH   SOLE   4,870 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,488 43,522 SH   SOLE   43,522 0 0
ISHARES TR CORE US AGGBD ET 464287226 9,682 81,905 SH   SOLE   81,905 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,261 9,377 SH   SOLE   9,377 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,167 19,164 SH   SOLE   19,164 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,074 76,870 SH   SOLE   76,870 0 0
ISHARES INC MSCI CDA ETF 464286509 205 7,920 SH   SOLE   7,920 0 0
ISHARES INC MSCI FRANCE ETF 464286707 371 13,522 SH   SOLE   13,522 0 0
ISHARES INC MSCI GERMANY ETF 464286806 361 13,331 SH   SOLE   13,331 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,369 24,922 SH   SOLE   24,922 0 0
ISHARES INC MSCI NETHERL ETF 464286814 302 9,244 SH   SOLE   9,244 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 217 6,981 SH   SOLE   6,981 0 0
ISHARES INC MSCI SWITZERLAND 464286749 255 6,534 SH   SOLE   6,534 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 671 26,037 SH   SOLE   26,037 0 0
ISHARES TR RUS 1000 ETF 464287622 922 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 466 3,256 SH   SOLE   3,256 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,092 6,140 SH   SOLE   6,140 0 0
ISHARES TR CORE S&P500 ETF 464287200 787 2,542 SH   SOLE   2,542 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,383 20,257 SH   SOLE   20,257 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,036 4,626 SH   SOLE   4,626 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,224 9,210 SH   SOLE   9,210 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,602 9,434 SH   SOLE   9,434 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,713 14,228 SH   SOLE   14,228 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 798 3,848 SH   SOLE   3,848 0 0
ISHARES TR S&P 500 VAL ETF 464287408 786 7,264 SH   SOLE   7,264 0 0
ISHARES TR TIPS BD ETF 464287176 1,347 10,954 SH   SOLE   10,954 0 0
ISHARES TR INTRM TR CRP ETF 464288638 1,803 29,852 SH   SOLE   29,852 0 0
JPMORGAN CHASE & CO COM 46625H100 2,858 30,389 SH   SOLE   30,389 0 0
JOHNSON & JOHNSON COM 478160104 2,552 18,148 SH   SOLE   18,148 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,585 50,952 SH   SOLE   50,952 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 237 1,584 SH   SOLE   1,584 0 0
KELLOGG CO COM 487836108 203 3,067 SH   SOLE   3,067 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 241 2,390 SH   SOLE   2,390 0 0
KIMBERLY CLARK CORP COM 494368103 481 3,400 SH   SOLE   3,400 0 0
LAUDER ESTEE COS INC CL A 518439104 188 995 SH   SOLE   995 0 0
LILLY ELI & CO COM 532457108 317 1,928 SH   SOLE   1,928 0 0
LINDE PLC SHS G5494J103 325 1,530 SH   SOLE   1,530 0 0
LOCKHEED MARTIN CORP COM 539830109 343 940 SH   SOLE   940 0 0
LOWES COS INC COM 548661107 1,263 9,348 SH   SOLE   9,348 0 0
MARRIOTT INTL INC NEW CL A 571903202 211 2,458 SH   SOLE   2,458 0 0
MASTERCARD INCORPORATED CL A 57636Q104 222 752 SH   SOLE   752 0 0
MCDONALDS CORP COM 580135101 451 2,446 SH   SOLE   2,446 0 0
MEDTRONIC PLC SHS G5960L103 317 3,455 SH   SOLE   3,455 0 0
MERCK & CO. INC COM 58933Y105 740 9,570 SH   SOLE   9,570 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 243 302 SH   SOLE   302 0 0
RBB FD INC MFAM SMLCP GRWTH 74933W874 398 13,905 SH   SOLE   13,905 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 1,063 10,091 SH   SOLE   10,091 0 0
MICROSOFT CORP COM 594918104 8,566 42,092 SH   SOLE   42,092 0 0
MONDELEZ INTL INC CL A 609207105 191 3,745 SH   SOLE   3,745 0 0
MORGAN STANLEY COM NEW 617446448 245 5,075 SH   SOLE   5,075 0 0
NETFLIX INC COM 64110L106 499 1,096 SH   SOLE   1,096 0 0
NEXTERA ENERGY INC COM 65339F101 316 1,315 SH   SOLE   1,315 0 0
NIKE INC CL B 654106103 331 3,375 SH   SOLE   3,375 0 0
NVIDIA CORP COM 67066G104 913 2,403 SH   SOLE   2,403 0 0
ORACLE CORP COM 68389X105 1,941 35,120 SH   SOLE   35,120 0 0
OTIS WORLDWIDE CORP COM 68902V107 274 4,820 SH   SOLE   4,820 0 0
PAN AMERN SILVER CORP COM 697900108 547 18,000 SH   SOLE   18,000 0 0
PEPSICO INC COM 713448108 278 2,100 SH   SOLE   2,100 0 0
PFIZER INC COM 717081103 408 12,481 SH   SOLE   12,481 0 0
PHILLIPS 66 COM 718546104 255 3,551 SH   SOLE   3,551 0 0
POLARIS INC COM 731068102 888 9,595 SH   SOLE   9,595 0 0
PROCTER AND GAMBLE CO COM 742718109 590 4,936 SH   SOLE   4,936 0 0
PROLOGIS INC. COM 74340W103 210 2,251 SH   SOLE   2,251 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 722 11,718 SH   SOLE   11,718 0 0
REALTY INCOME CORP COM 756109104 1,359 22,847 SH   SOLE   22,847 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 344 11,385 SH   SOLE   11,385 0 0
REGENERON PHARMACEUTICALS COM 75886F107 213 342 SH   SOLE   342 0 0
ROCKWELL AUTOMATION INC COM 773903109 310 1,455 SH   SOLE   1,455 0 0
ROYAL GOLD INC COM 780287108 462 3,712 SH   SOLE   3,712 0 0
SALESFORCE COM INC COM 79466L302 1,684 8,990 SH   SOLE   8,990 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 631 65,600 SH   SOLE   65,600 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 192 6,442 SH   SOLE   6,442 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 236 4,718 SH   SOLE   4,718 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 350 5,363 SH   SOLE   5,363 0 0
SHERWIN WILLIAMS CO COM 824348106 1,833 3,172 SH   SOLE   3,172 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 324 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,307 7,810 SH   SOLE   7,810 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,889 127,481 SH   SOLE   127,481 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,558 4,801 SH   SOLE   4,801 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 225 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109 422 5,730 SH   SOLE   5,730 0 0
SYNOPSYS INC COM 871607107 325 1,665 SH   SOLE   1,665 0 0
TESLA INC COM 88160R101 329 305 SH   SOLE   305 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 353 975 SH   SOLE   975 0 0
TRAVELERS COMPANIES INC COM 89417E109 210 1,839 SH   SOLE   1,839 0 0
TRUIST FINL CORP COM 89832Q109 200 5,317 SH   SOLE   5,317 0 0
UNION PAC CORP COM 907818108 420 2,481 SH   SOLE   2,481 0 0
UNITEDHEALTH GROUP INC COM 91324P102 748 2,537 SH   SOLE   2,537 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 266 7,258 SH   SOLE   7,258 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 355 8,973 SH   SOLE   8,973 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 712 7,436 SH   SOLE   7,436 0 0
VARIAN MED SYS INC COM 92220P105 936 7,640 SH   SOLE   7,640 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 816 14,796 SH   SOLE   14,796 0 0
VISA INC COM CL A 92826C839 811 4,196 SH   SOLE   4,196 0 0
WALMART INC COM 931142103 406 3,390 SH   SOLE   3,390 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 759 17,900 SH   SOLE   17,900 0 0
ZOETIS INC CL A 98978V103 230 1,681 SH   SOLE   1,681 0 0