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 1,039 5,944 SH   SOLE   5,944 0 0
ABB LTD SPONSORED ADR 000375204 263 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100 1,621 14,802 SH   SOLE   14,802 0 0
ABBVIE INC COM 00287Y109 1,695 15,819 SH   SOLE   15,819 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 705 1,410 SH   SOLE   1,410 0 0
AIR PRODS & CHEMS INC COM 009158106 404 1,477 SH   SOLE   1,477 0 0
ALBEMARLE CORP COM 012653101 544 3,686 SH   SOLE   3,686 0 0
ALLSTATE CORP COM 020002101 1,973 17,944 SH   SOLE   17,944 0 0
ALPHABET INC CAP STK CL A 02079K305 2,124 1,212 SH   SOLE   1,212 0 0
ALPHABET INC CAP STK CL C 02079K107 1,249 713 SH   SOLE   713 0 0
AMAZON COM INC COM 023135106 3,084 947 SH   SOLE   947 0 0
AMERICAN ELEC PWR CO INC COM 025537101 255 3,065 SH   SOLE   3,065 0 0
AMERICAN EXPRESS CO COM 025816109 274 2,267 SH   SOLE   2,267 0 0
AMERICAN TOWER CORP NEW COM 03027X100 431 1,918 SH   SOLE   1,918 0 0
AMGEN INC COM 031162100 887 3,860 SH   SOLE   3,860 0 0
AON PLC SHS CL A G0403H108 216 1,021 SH   SOLE   1,021 0 0
APPLE INC COM 037833100 12,105 91,226 SH   SOLE   91,226 0 0
APPLIED MATLS INC COM 038222105 459 5,316 SH   SOLE   5,316 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 302 5,989 SH   SOLE   5,989 0 0
AT&T INC COM 00206R102 781 27,172 SH   SOLE   27,172 0 0
BK OF AMERICA CORP COM 060505104 535 17,650 SH   SOLE   17,650 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,635 11,365 SH   SOLE   11,365 0 0
BIOGEN INC COM 09062X103 226 925 SH   SOLE   925 0 0
BLACKROCK INC COM 09247X101 352 488 SH   SOLE   488 0 0
BOEING CO COM 097023105 230 1,075 SH   SOLE   1,075 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 544 8,763 SH   SOLE   8,763 0 0
BROWN FORMAN CORP CL B 115637209 326 4,105 SH   SOLE   4,105 0 0
CANADIAN PAC RY LTD COM 13645T100 326 940 SH   SOLE   940 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 362 9,597 SH   SOLE   9,597 0 0
CATERPILLAR INC COM 149123101 1,198 6,583 SH   SOLE   6,583 0 0
CHEVRON CORP NEW COM 166764100 273 3,238 SH   SOLE   3,238 0 0
CISCO SYS INC COM 17275R102 864 19,297 SH   SOLE   19,297 0 0
CLOROX CO DEL COM 189054109 246 1,217 SH   SOLE   1,217 0 0
CLOUDFLARE INC CL A COM 18915M107 4,641 61,069 SH   SOLE   61,069 0 0
COCA COLA CO COM 191216100 508 9,268 SH   SOLE   9,268 0 0
COLGATE PALMOLIVE CO COM 194162103 567 6,625 SH   SOLE   6,625 0 0
COMCAST CORP NEW CL A 20030N101 666 12,709 SH   SOLE   12,709 0 0
CONSTELLATION BRANDS INC CL A 21036P108 457 2,087 SH   SOLE   2,087 0 0
CORNING INC COM 219350105 249 6,925 SH   SOLE   6,925 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,417 6,414 SH   SOLE   6,414 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 220 1,385 SH   SOLE   1,385 0 0
CSX CORP COM 126408103 405 4,466 SH   SOLE   4,466 0 0
CUMMINS INC COM 231021106 723 3,183 SH   SOLE   3,183 0 0
CVS HEALTH CORP COM 126650100 200 2,929 SH   SOLE   2,929 0 0
D R HORTON INC COM 23331A109 306 4,435 SH   SOLE   4,435 0 0
DEERE & CO COM 244199105 325 1,207 SH   SOLE   1,207 0 0
DIGITAL RLTY TR INC COM 253868103 324 2,321 SH   SOLE   2,321 0 0
DISCOVER FINL SVCS COM 254709108 738 8,150 SH   SOLE   8,150 0 0
DISNEY WALT CO COM 254687106 940 5,188 SH   SOLE   5,188 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 464 5,073 SH   SOLE   5,073 0 0
EASTMAN CHEM CO COM 277432100 534 5,323 SH   SOLE   5,323 0 0
ECOLAB INC COM 278865100 211 977 SH   SOLE   977 0 0
EDISON INTL COM 281020107 274 4,358 SH   SOLE   4,358 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 211 2,315 SH   SOLE   2,315 0 0
EMERSON ELEC CO COM 291011104 422 5,245 SH   SOLE   5,245 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108 733 11,571 SH   SOLE   11,571 0 0
ESSEX PPTY TR INC COM 297178105 978 4,119 SH   SOLE   4,119 0 0
EXELON CORP COM 30161N101 309 7,330 SH   SOLE   7,330 0 0
EXXON MOBIL CORP COM 30231G102 307 7,446 SH   SOLE   7,446 0 0
FACEBOOK INC CL A 30303M102 745 2,728 SH   SOLE   2,728 0 0
FEDEX CORP COM 31428X106 588 2,263 SH   SOLE   2,263 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 311 2,200 SH   SOLE   2,200 0 0
FIFTH THIRD BANCORP COM 316773100 228 8,252 SH   SOLE   8,252 0 0
FISERV INC COM 337738108 512 4,500 SH   SOLE   4,500 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100 871 37,173 SH   SOLE   37,173 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 669 25,630 SH   SOLE   25,630 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 428 15,404 SH   SOLE   15,404 0 0
FMC CORP COM NEW 302491303 255 2,215 SH   SOLE   2,215 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 255 2,969 SH   SOLE   2,969 0 0
FRANCO NEV CORP COM 351858105 375 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 427 2,870 SH   SOLE   2,870 0 0
GENERAL MLS INC COM 370334104 416 7,073 SH   SOLE   7,073 0 0
GENERAL MTRS CO COM 37045V100 247 5,925 SH   SOLE   5,925 0 0
GENUINE PARTS CO COM 372460105 289 2,880 SH   SOLE   2,880 0 0
GILEAD SCIENCES INC COM 375558103 187 3,210 SH   SOLE   3,210 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 559 2,120 SH   SOLE   2,120 0 0
GRACE W R & CO DEL NEW COM 38388F108 236 4,300 SH   SOLE   4,300 0 0
HOME DEPOT INC COM 437076102 1,071 4,031 SH   SOLE   4,031 0 0
HONEYWELL INTL INC COM 438516106 434 2,042 SH   SOLE   2,042 0 0
HP INC COM 40434L105 289 11,756 SH   SOLE   11,756 0 0
ILLINOIS TOOL WKS INC COM 452308109 293 1,435 SH   SOLE   1,435 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 484 2,640 SH   SOLE   2,640 0 0
INTEL CORP COM 458140100 1,244 24,969 SH   SOLE   24,969 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 527 4,186 SH   SOLE   4,186 0 0
INTUIT COM 461202103 488 1,284 SH   SOLE   1,284 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 791 967 SH   SOLE   967 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,485 9,412 SH   SOLE   9,412 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,380 63,401 SH   SOLE   63,401 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,605 115,107 SH   SOLE   115,107 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,295 9,377 SH   SOLE   9,377 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,341 18,374 SH   SOLE   18,374 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,148 80,286 SH   SOLE   80,286 0 0
ISHARES INC MSCI AUST ETF 464286103 239 9,983 SH   SOLE   9,983 0 0
ISHARES INC MSCI CDA ETF 464286509 244 7,920 SH   SOLE   7,920 0 0
ISHARES INC MSCI FRANCE ETF 464286707 448 13,472 SH   SOLE   13,472 0 0
ISHARES INC MSCI GERMANY ETF 464286806 429 13,512 SH   SOLE   13,512 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,655 24,503 SH   SOLE   24,503 0 0
ISHARES INC MSCI NETHERL ETF 464286814 399 9,646 SH   SOLE   9,646 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 278 6,990 SH   SOLE   6,990 0 0
ISHARES INC MSCI SWITZERLAND 464286749 292 6,535 SH   SOLE   6,535 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 544 18,587 SH   SOLE   18,587 0 0
ISHARES TR RUS 1000 ETF 464287622 1,138 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 625 3,190 SH   SOLE   3,190 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,498 6,516 SH   SOLE   6,516 0 0
ISHARES TR CORE S&P500 ETF 464287200 703 1,874 SH   SOLE   1,874 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,807 19,661 SH   SOLE   19,661 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,296 17,940 SH   SOLE   17,940 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,476 17,102 SH   SOLE   17,102 0 0
ISHARES TR S&P SML 600 GWT 464287887 2,140 18,738 SH   SOLE   18,738 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,372 29,175 SH   SOLE   29,175 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 938 14,692 SH   SOLE   14,692 0 0
ISHARES TR S&P 500 VAL ETF 464287408 896 7,002 SH   SOLE   7,002 0 0
ISHARES TR TIPS BD ETF 464287176 1,449 11,354 SH   SOLE   11,354 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,837 29,732 SH   SOLE   29,732 0 0
JPMORGAN CHASE & CO COM 46625H100 3,764 29,618 SH   SOLE   29,618 0 0
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 243 4,430 SH   SOLE   4,430 0 0
JOHNSON & JOHNSON COM 478160104 2,809 17,850 SH   SOLE   17,850 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3,060 60,246 SH   SOLE   60,246 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 314 1,536 SH   SOLE   1,536 0 0
KELLOGG CO COM 487836108 191 3,067 SH   SOLE   3,067 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 380 2,875 SH   SOLE   2,875 0 0
KIMBERLY-CLARK CORP COM 494368103 452 3,355 SH   SOLE   3,355 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 241 1,185 SH   SOLE   1,185 0 0
LAUDER ESTEE COS INC CL A 518439104 188 705 SH   SOLE   705 0 0
LILLY ELI & CO COM 532457108 321 1,903 SH   SOLE   1,903 0 0
LINDE PLC SHS G5494J103 404 1,535 SH   SOLE   1,535 0 0
LOCKHEED MARTIN CORP COM 539830109 294 828 SH   SOLE   828 0 0
LOWES COS INC COM 548661107 1,500 9,348 SH   SOLE   9,348 0 0
MAGNA INTL INC COM 559222401 205 2,900 SH   SOLE   2,900 0 0
MARRIOTT INTL INC NEW CL A 571903202 324 2,458 SH   SOLE   2,458 0 0
MASTERCARD INCORPORATED CL A 57636Q104 256 717 SH   SOLE   717 0 0
MCDONALDS CORP COM 580135101 519 2,417 SH   SOLE   2,417 0 0
MEDTRONIC PLC SHS G5960L103 490 4,180 SH   SOLE   4,180 0 0
MERCK & CO. INC COM 58933Y105 791 9,670 SH   SOLE   9,670 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 351 308 SH   SOLE   308 0 0
RBB FD INC MFAM SMLCP GRWTH 74933W874 655 17,005 SH   SOLE   17,005 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 1,389 10,056 SH   SOLE   10,056 0 0
MICROSOFT CORP COM 594918104 9,110 40,960 SH   SOLE   40,960 0 0
MONDELEZ INTL INC CL A 609207105 203 3,470 SH   SOLE   3,470 0 0
MORGAN STANLEY COM NEW 617446448 1,303 19,020 SH   SOLE   19,020 0 0
NETFLIX INC COM 64110L106 635 1,174 SH   SOLE   1,174 0 0
NEXTERA ENERGY INC COM 65339F101 445 5,769 SH   SOLE   5,769 0 0
NIKE INC CL B 654106103 354 2,500 SH   SOLE   2,500 0 0
NORFOLK SOUTHN CORP COM 655844108 204 859 SH   SOLE   859 0 0
NVIDIA CORPORATION COM 67066G104 1,062 2,033 SH   SOLE   2,033 0 0
ORACLE CORP COM 68389X105 2,263 34,980 SH   SOLE   34,980 0 0
OTIS WORLDWIDE CORP COM 68902V107 324 4,799 SH   SOLE   4,799 0 0
PEPSICO INC COM 713448108 311 2,100 SH   SOLE   2,100 0 0
PFIZER INC COM 717081103 504 13,681 SH   SOLE   13,681 0 0
POLARIS INC COM 731068102 877 9,205 SH   SOLE   9,205 0 0
PROCTER AND GAMBLE CO COM 742718109 639 4,591 SH   SOLE   4,591 0 0
PROLOGIS INC. COM 74340W103 228 2,291 SH   SOLE   2,291 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 823 11,502 SH   SOLE   11,502 0 0
REALTY INCOME CORP COM 756109104 1,361 21,886 SH   SOLE   21,886 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 343 10,457 SH   SOLE   10,457 0 0
RIO TINTO PLC SONSORED ADR 767204100 226 3,000 SH   SOLE   3,000 0 0
ROCKWELL AUTOMATION INC COM 773903109 365 1,455 SH   SOLE   1,455 0 0
ROYAL GOLD INC COM 780287108 354 3,332 SH   SOLE   3,332 0 0
SALESFORCE COM INC COM 79466L302 2,045 9,190 SH   SOLE   9,190 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 470 65,600 SH   SOLE   65,600 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 310 3,410 SH   SOLE   3,410 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 225 6,257 SH   SOLE   6,257 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 317 5,330 SH   SOLE   5,330 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 212 2,335 SH   SOLE   2,335 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 476 5,353 SH   SOLE   5,353 0 0
SHERWIN WILLIAMS CO COM 824348106 2,261 3,077 SH   SOLE   3,077 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 325 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,939 10,872 SH   SOLE   10,872 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 3,466 125,369 SH   SOLE   125,369 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 338 5,107 SH   SOLE   5,107 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,951 4,645 SH   SOLE   4,645 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 299 800 SH   SOLE   800 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 258 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109 625 5,845 SH   SOLE   5,845 0 0
STERIS PLC SHS USD G8473T100 209 1,102 SH   SOLE   1,102 0 0
SVB FINANCIAL GROUP COM 78486Q101 215 555 SH   SOLE   555 0 0
SYNOPSYS INC COM 871607107 445 1,715 SH   SOLE   1,715 0 0
SYSCO CORP COM 871829107 246 3,310 SH   SOLE   3,310 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 275 2,522 SH   SOLE   2,522 0 0
TARGET CORP COM 87612E106 205 1,161 SH   SOLE   1,161 0 0
TESLA INC COM 88160R101 1,260 1,785 SH   SOLE   1,785 0 0
TEXAS INSTRS INC COM 882508104 336 2,050 SH   SOLE   2,050 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 398 855 SH   SOLE   855 0 0
TRAVELERS COMPANIES INC COM 89417E109 262 1,866 SH   SOLE   1,866 0 0
TRUIST FINL CORP COM 89832Q109 244 5,099 SH   SOLE   5,099 0 0
US BANCORP DEL COM NEW 902973304 201 4,305 SH   SOLE   4,305 0 0
UNILEVER PLC SPON ADR NEW 904767704 291 4,825 SH   SOLE   4,825 0 0
UNION PAC CORP COM 907818108 665 3,196 SH   SOLE   3,196 0 0
UNITED PARCEL SERVICE INC CL B 911312106 257 1,525 SH   SOLE   1,525 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,039 2,963 SH   SOLE   2,963 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 261 7,258 SH   SOLE   7,258 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 550 10,973 SH   SOLE   10,973 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 527 4,426 SH   SOLE   4,426 0 0
VARIAN MED SYS INC COM 92220P105 812 4,640 SH   SOLE   4,640 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 874 14,871 SH   SOLE   14,871 0 0
VISA INC COM CL A 92826C839 1,059 4,841 SH   SOLE   4,841 0 0
WALMART INC COM 931142103 591 4,100 SH   SOLE   4,100 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 645 16,184 SH   SOLE   16,184 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104 218 6,509 SH   SOLE   6,509 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 307 2,853 SH   SOLE   2,853 0 0
ZOETIS INC CL A 98978V103 272 1,646 SH   SOLE   1,646 0 0