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 1,136 5,895 SH   SOLE   5,895 0 0
ABB LTD SPONSORED ADR 000375204 287 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100 1,706 14,232 SH   SOLE   14,232 0 0
ABBVIE INC COM 00287Y109 1,846 17,056 SH   SOLE   17,056 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 658 1,385 SH   SOLE   1,385 0 0
AIR PRODS & CHEMS INC COM 009158106 413 1,466 SH   SOLE   1,466 0 0
ALBEMARLE CORP COM 012653101 542 3,711 SH   SOLE   3,711 0 0
ALLSTATE CORP COM 020002101 2,062 17,944 SH   SOLE   17,944 0 0
ALPHABET INC CAP STK CL A 02079K305 2,419 1,173 SH   SOLE   1,173 0 0
ALPHABET INC CAP STK CL C 02079K107 1,535 742 SH   SOLE   742 0 0
ALPS ETF TR ALERIAN MLP 023135106 421 13,800 SH   SOLE   13,800 0 0
AMAZON COM INC COM 025537101 2,915 942 SH   SOLE   942 0 0
AMERICAN ELEC PWR CO INC COM 025816109 260 3,065 SH   SOLE   3,065 0 0
AMERICAN EXPRESS CO COM 03027X100 321 2,268 SH   SOLE   2,268 0 0
AMERICAN TOWER CORP NEW COM 031162100 463 1,937 SH   SOLE   1,937 0 0
AMGEN INC COM G0403H108 941 3,780 SH   SOLE   3,780 0 0
AON PLC SHS CL A 037833100 229 996 SH   SOLE   996 0 0
APPLE INC COM 038222105 11,041 90,384 SH   SOLE   90,384 0 0
APPLIED MATLS INC COM 039483102 697 5,216 SH   SOLE   5,216 0 0
ARCHER DANIELS MIDLAND CO COM 00206R102 715 12,541 SH   SOLE   12,541 0 0
AT&T INC COM 060505104 745 24,606 SH   SOLE   24,606 0 0
BK OF AMERICA CORP COM 084670702 718 18,562 SH   SOLE   18,562 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 09062X103 3,031 11,865 SH   SOLE   11,865 0 0
BIOGEN INC COM 09247X101 252 900 SH   SOLE   900 0 0
BLACKROCK INC COM 097023105 356 472 SH   SOLE   472 0 0
BOEING CO COM 110122108 300 1,177 SH   SOLE   1,177 0 0
BRISTOL-MYERS SQUIBB CO COM 115637209 476 7,546 SH   SOLE   7,546 0 0
BROWN FORMAN CORP CL B 13645T100 276 4,003 SH   SOLE   4,003 0 0
CANADIAN PAC RY LTD COM 14448C104 357 940 SH   SOLE   940 0 0
CARMAX INC COM 149123101 200 1,510 SH   SOLE   1,510 0 0
CARRIER GLOBAL CORPORATION COM 166764100 404 9,572 SH   SOLE   9,572 0 0
CATERPILLAR INC COM 17275R102 1,626 7,013 SH   SOLE   7,013 0 0
CHEVRON CORP NEW COM 189054109 342 3,267 SH   SOLE   3,267 0 0
CISCO SYS INC COM 18915M107 1,016 19,654 SH   SOLE   19,654 0 0
CLOROX CO DEL COM 191216100 225 1,168 SH   SOLE   1,168 0 0
CLOUDFLARE INC CL A COM 194162103 4,273 60,819 SH   SOLE   60,819 0 0
COCA COLA CO COM 20030N101 489 9,268 SH   SOLE   9,268 0 0
COLGATE PALMOLIVE CO COM 21036P108 517 6,553 SH   SOLE   6,553 0 0
COMCAST CORP NEW CL A 219350105 720 13,309 SH   SOLE   13,309 0 0
CONSTELLATION BRANDS INC CL A 22160K105 459 2,013 SH   SOLE   2,013 0 0
CORNING INC COM 22822V101 295 6,775 SH   SOLE   6,775 0 0
COSTCO WHSL CORP NEW COM 126408103 2,201 6,245 SH   SOLE   6,245 0 0
CROWN CASTLE INTL CORP NEW COM 231021106 240 1,395 SH   SOLE   1,395 0 0
CSX CORP COM 126650100 426 4,418 SH   SOLE   4,418 0 0
CUMMINS INC COM 23331A109 657 2,536 SH   SOLE   2,536 0 0
CVS HEALTH CORP COM 244199105 223 2,964 SH   SOLE   2,964 0 0
D R HORTON INC COM 253868103 404 4,535 SH   SOLE   4,535 0 0
DEERE & CO COM 254709108 598 1,597 SH   SOLE   1,597 0 0
DIGITAL RLTY TR INC COM 254687106 319 2,265 SH   SOLE   2,265 0 0
DISCOVER FINL SVCS COM 26441C204 760 8,000 SH   SOLE   8,000 0 0
DISNEY WALT CO COM 277432100 938 5,083 SH   SOLE   5,083 0 0
DUKE ENERGY CORP NEW COM NEW 278865100 505 5,233 SH   SOLE   5,233 0 0
EASTMAN CHEM CO COM 281020107 509 4,624 SH   SOLE   4,624 0 0
ECOLAB INC COM 28176E108 207 967 SH   SOLE   967 0 0
EDISON INTL COM 291011104 256 4,361 SH   SOLE   4,361 0 0
EMERSON ELEC CO COM 29472R108 473 5,245 SH   SOLE   5,245 0 0
EQUITY LIFESTYLE PPTYS INC COM 297178105 736 11,571 SH   SOLE   11,571 0 0
ESSEX PPTY TR INC COM 30161N101 1,108 4,074 SH   SOLE   4,074 0 0
EXELON CORP COM 30231G102 319 7,300 SH   SOLE   7,300 0 0
EXXON MOBIL CORP COM 30303M102 416 7,446 SH   SOLE   7,446 0 0
FACEBOOK INC CL A 31428X106 777 2,638 SH   SOLE   2,638 0 0
FEDEX CORP COM 31620M106 643 2,263 SH   SOLE   2,263 0 0
FIDELITY NATL INFORMATION SV COM 316773100 302 2,150 SH   SOLE   2,150 0 0
FIFTH THIRD BANCORP COM 337738108 306 8,179 SH   SOLE   8,179 0 0
FISERV INC COM 338478100 542 4,550 SH   SOLE   4,550 0 0
FLAHERTY & CRUMRINE PFD SECS COM 33939L506 1,244 53,077 SH   SOLE   53,077 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L605 1,117 42,355 SH   SOLE   42,355 0 0
FLEXSHARES TR IBOXX 5YR TRGT 302491303 1,006 36,354 SH   SOLE   36,354 0 0
FMC CORP COM NEW 34964C106 245 2,215 SH   SOLE   2,215 0 0
FORTUNE BRANDS HOME & SEC IN COM 351858105 275 2,874 SH   SOLE   2,874 0 0
FRANCO NEV CORP COM 369550108 375 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 370334104 503 2,770 SH   SOLE   2,770 0 0
GENERAL MLS INC COM 37045V100 428 6,975 SH   SOLE   6,975 0 0
GENERAL MTRS CO COM 372460105 439 7,635 SH   SOLE   7,635 0 0
GENUINE PARTS CO COM 375558103 324 2,805 SH   SOLE   2,805 0 0
GILEAD SCIENCES INC COM 38141G104 210 3,242 SH   SOLE   3,242 0 0
GOLDMAN SACHS GROUP INC COM 38388F108 729 2,230 SH   SOLE   2,230 0 0
GRACE W R & CO DEL NEW COM 437076102 257 4,300 SH   SOLE   4,300 0 0
HOME DEPOT INC COM 438516106 1,237 4,051 SH   SOLE   4,051 0 0
HONEYWELL INTL INC COM 40434L105 444 2,047 SH   SOLE   2,047 0 0
HP INC COM 452308109 362 11,406 SH   SOLE   11,406 0 0
ILLINOIS TOOL WKS INC COM 45781V101 301 1,360 SH   SOLE   1,360 0 0
INNOVATIVE INDL PPTYS INC COM 458140100 477 2,645 SH   SOLE   2,645 0 0
INTEL CORP COM 459200101 1,641 25,636 SH   SOLE   25,636 0 0
INTERNATIONAL BUSINESS MACHS COM 461202103 552 4,138 SH   SOLE   4,138 0 0
INTUIT COM 46120E602 452 1,179 SH   SOLE   1,179 0 0
INTUITIVE SURGICAL INC COM NEW 464287432 805 1,089 SH   SOLE   1,089 0 0
ISHARES TR 20 YR TR BD ETF 46432F842 1,206 8,900 SH   SOLE   8,900 0 0
ISHARES TR CORE MSCI EAFE 464287226 4,751 65,938 SH   SOLE   65,938 0 0
ISHARES TR CORE US AGGBD ET 464287242 14,941 131,259 SH   SOLE   131,259 0 0
ISHARES TR IBOXX INV CP ETF 464287465 1,197 9,207 SH   SOLE   9,207 0 0
ISHARES TR MSCI EAFE ETF 464287234 1,369 18,046 SH   SOLE   18,046 0 0
ISHARES TR MSCI EMG MKT ETF 464286103 4,216 79,042 SH   SOLE   79,042 0 0
ISHARES INC MSCI AUST ETF 464286509 235 9,483 SH   SOLE   9,483 0 0
ISHARES INC MSCI CDA ETF 464286707 270 7,920 SH   SOLE   7,920 0 0
ISHARES INC MSCI FRANCE ETF 464286806 461 13,222 SH   SOLE   13,222 0 0
ISHARES INC MSCI GERMANY ETF 46434G822 438 13,112 SH   SOLE   13,112 0 0
ISHARES INC MSCI JPN ETF NEW 464286814 1,646 24,018 SH   SOLE   24,018 0 0
ISHARES INC MSCI NETHERL ETF 464286756 429 9,296 SH   SOLE   9,296 0 0
ISHARES INC MSCI SWEDEN ETF 464286749 307 6,890 SH   SOLE   6,890 0 0
ISHARES INC MSCI SWITZERLAND 46435G334 282 6,385 SH   SOLE   6,385 0 0
ISHARES TR MSCI UK ETF NEW 464287622 594 18,987 SH   SOLE   18,987 0 0
ISHARES TR RUS 1000 ETF 464287655 1,202 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUSSELL 2000 ETF 464287507 746 3,378 SH   SOLE   3,378 0 0
ISHARES TR CORE S&P MCP ETF 464287200 1,761 6,765 SH   SOLE   6,765 0 0
ISHARES TR CORE S&P500 ETF 464287804 733 1,842 SH   SOLE   1,842 0 0
ISHARES TR CORE S&P SCP ETF 464287606 2,133 19,651 SH   SOLE   19,651 0 0
ISHARES TR S&P MC 400GR ETF 464287705 1,351 17,245 SH   SOLE   17,245 0 0
ISHARES TR S&P MC 400VL ETF 464287887 1,694 16,619 SH   SOLE   16,619 0 0
ISHARES TR S&P SML 600 GWT 464287879 2,317 18,071 SH   SOLE   18,071 0 0
ISHARES TR SP SMCP600VL ETF 464287309 2,857 28,362 SH   SOLE   28,362 0 0
ISHARES TR S&P 500 GRWT ETF 464287408 955 14,661 SH   SOLE   14,661 0 0
ISHARES TR S&P 500 VAL ETF 464287176 993 7,033 SH   SOLE   7,033 0 0
ISHARES TR TIPS BD ETF 464288638 1,428 11,380 SH   SOLE   11,380 0 0
ISHARES TR ISHS 5-10YR INVT 46625H100 1,754 29,607 SH   SOLE   29,607 0 0
JPMORGAN CHASE & CO COM 46641Q308 4,346 28,549 SH   SOLE   28,549 0 0
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 478160104 280 4,950 SH   SOLE   4,950 0 0
HUNT J B TRANS SVCS INC COM 46641Q837 213 1,266 SH   SOLE   1,266 0 0
JOHNSON & JOHNSON COM 485170302 2,914 17,731 SH   SOLE   17,731 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 487836108 3,052 60,127 SH   SOLE   60,127 0 0
KANSAS CITY SOUTHERN COM NEW 49338L103 387 1,467 SH   SOLE   1,467 0 0
KELLOGG CO COM 494368103 194 3,067 SH   SOLE   3,067 0 0
KEYSIGHT TECHNOLOGIES INC COM 50540R409 402 2,800 SH   SOLE   2,800 0 0
KIMBERLY-CLARK CORP COM 518439104 465 3,345 SH   SOLE   3,345 0 0
KLA CORP COM NEW 532457108 215 650 SH   SOLE   650 0 0
LABORATORY CORP AMER HLDGS COM NEW G5494J103 302 1,185 SH   SOLE   1,185 0 0
LAUDER ESTEE COS INC CL A 539830109 205 705 SH   SOLE   705 0 0
LENNAR CORP CL A 548661107 200 1,978 SH   SOLE   1,978 0 0
LILLY ELI & CO COM 559222401 340 1,820 SH   SOLE   1,820 0 0
LINDE PLC SHS 571903202 416 1,485 SH   SOLE   1,485 0 0
LOCKHEED MARTIN CORP COM 57636Q104 332 898 SH   SOLE   898 0 0
LOWES COS INC COM 580135101 1,759 9,248 SH   SOLE   9,248 0 0
MAGNA INTL INC COM G5960L103 255 2,900 SH   SOLE   2,900 0 0
MARRIOTT INTL INC NEW CL A 58933Y105 364 2,458 SH   SOLE   2,458 0 0
MASTERCARD INCORPORATED CL A 592688105 237 667 SH   SOLE   667 0 0
MCDONALDS CORP COM 74933W874 531 2,367 SH   SOLE   2,367 0 0
MEDTRONIC PLC SHS 595017104 630 5,330 SH   SOLE   5,330 0 0
MERCK & CO. INC COM 594918104 682 8,845 SH   SOLE   8,845 0 0
METTLER TOLEDO INTERNATIONAL COM 609207105 362 313 SH   SOLE   313 0 0
RBB FD INC MFAM SMLCP GRWTH 617446448 778 20,755 SH   SOLE   20,755 0 0
MICROCHIP TECHNOLOGY INC. COM 64110L106 1,561 10,056 SH   SOLE   10,056 0 0
MICROSOFT CORP COM 65339F101 9,946 42,183 SH   SOLE   42,183 0 0
MONDELEZ INTL INC CL A 654106103 203 3,470 SH   SOLE   3,470 0 0
MORGAN STANLEY COM NEW 655844108 1,486 19,141 SH   SOLE   19,141 0 0
NETFLIX INC COM 67066G104 592 1,135 SH   SOLE   1,135 0 0
NEXTERA ENERGY INC COM 68389X105 460 6,085 SH   SOLE   6,085 0 0
NIKE INC CL B 68902V107 342 2,570 SH   SOLE   2,570 0 0
NORFOLK SOUTHN CORP COM 713448108 230 855 SH   SOLE   855 0 0
NVIDIA CORPORATION COM 717081103 1,038 1,944 SH   SOLE   1,944 0 0
ORACLE CORP COM 731068102 2,397 34,155 SH   SOLE   34,155 0 0
OTIS WORLDWIDE CORP COM 742718109 329 4,799 SH   SOLE   4,799 0 0
PEPSICO INC COM 74340W103 314 2,217 SH   SOLE   2,217 0 0
PFIZER INC COM 75513E101 483 13,331 SH   SOLE   13,331 0 0
PNC FINL SVCS GROUP INC COM 756109104 201 1,143 SH   SOLE   1,143 0 0
POLARIS INC COM 756158101 1,150 8,615 SH   SOLE   8,615 0 0
PROCTER AND GAMBLE CO COM 767204100 571 4,216 SH   SOLE   4,216 0 0
PROLOGIS INC. COM 773903109 235 2,216 SH   SOLE   2,216 0 0
RAYTHEON TECHNOLOGIES CORP COM 780287108 874 11,312 SH   SOLE   11,312 0 0
REALTY INCOME CORP COM 79466L302 1,292 20,341 SH   SOLE   20,341 0 0
REAVES UTIL INCOME FD COM SH BEN INT 80013R206 352 10,493 SH   SOLE   10,493 0 0
RIO TINTO PLC SONSORED ADR 808524102 233 3,000 SH   SOLE   3,000 0 0
ROCKWELL AUTOMATION INC COM 808524805 386 1,455 SH   SOLE   1,455 0 0
ROYAL GOLD INC COM 808524409 359 3,335 SH   SOLE   3,335 0 0
SALESFORCE COM INC COM 808524201 1,941 9,160 SH   SOLE   9,160 0 0
SANDSTORM GOLD LTD COM NEW 808524607 641 94,300 SH   SOLE   94,300 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 824348106 329 3,401 SH   SOLE   3,401 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 78464A474 227 6,032 SH   SOLE   6,032 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 78463V107 233 3,563 SH   SOLE   3,563 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 78463X848 224 2,335 SH   SOLE   2,335 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 78464A300 521 5,228 SH   SOLE   5,228 0 0
SHERWIN WILLIAMS CO COM 78467Y107 2,119 2,871 SH   SOLE   2,871 0 0
SPDR SER TR PORTFOLIO SHORT 78462F103 324 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TR GOLD SHS 85207H104 1,683 10,522 SH   SOLE   10,522 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 855244109 3,543 122,564 SH   SOLE   122,564 0 0
SPDR SER TR S&P 600 SMCP VAL G8473T100 287 3,494 SH   SOLE   3,494 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78486Q101 2,196 4,612 SH   SOLE   4,612 0 0
SPDR S&P 500 ETF TR TR UNIT 871607107 476 1,200 SH   SOLE   1,200 0 0
SPROTT PHYSICAL GOLD TR UNIT 871829107 231 13,310 SH   SOLE   13,310 0 0
STANLEY BLACK & DECKER INC COM 874039100 217 1,085 SH   SOLE   1,085 0 0
STARBUCKS CORP COM 87612E106 628 5,745 SH   SOLE   5,745 0 0
STERIS PLC SHS USD 88160R101 196 1,027 SH   SOLE   1,027 0 0
SVB FINANCIAL GROUP COM 882508104 276 560 SH   SOLE   560 0 0
SYNOPSYS INC COM 883556102 425 1,715 SH   SOLE   1,715 0 0
SYSCO CORP COM 89417E109 255 3,243 SH   SOLE   3,243 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 89832Q109 298 2,522 SH   SOLE   2,522 0 0
TARGET CORP COM 902973304 233 1,177 SH   SOLE   1,177 0 0
TESLA INC COM 904767704 1,258 1,884 SH   SOLE   1,884 0 0
TEXAS INSTRS INC COM 907818108 425 2,250 SH   SOLE   2,250 0 0
THERMO FISHER SCIENTIFIC INC COM 911312106 383 840 SH   SOLE   840 0 0
TRAVELERS COMPANIES INC COM 91324P102 269 1,791 SH   SOLE   1,791 0 0
TRUIST FINL CORP COM 92189F106 280 4,799 SH   SOLE   4,799 0 0
US BANCORP DEL COM NEW 922042858 262 4,730 SH   SOLE   4,730 0 0
UNILEVER PLC SPON ADR NEW 922908512 269 4,825 SH   SOLE   4,825 0 0
UNION PAC CORP COM 92220P105 682 3,096 SH   SOLE   3,096 0 0
UNITED PARCEL SERVICE INC CL B 92343V104 251 1,475 SH   SOLE   1,475 0 0
UNITEDHEALTH GROUP INC COM 92826C839 1,088 2,923 SH   SOLE   2,923 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 931142103 229 7,033 SH   SOLE   7,033 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 931427108 571 10,973 SH   SOLE   10,973 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 962166104 354 2,625 SH   SOLE   2,625 0 0
VARIAN MED SYS INC COM 97717W307 815 4,615 SH   SOLE   4,615 0 0
VERIZON COMMUNICATIONS INC COM 98978V103 871 14,971 SH   SOLE   14,971 0 0
VISA INC COM CL A 98978V104 1,075 5,075 SH   SOLE   5,075 0 0
WALMART INC COM 98978V105 550 4,048 SH   SOLE   4,048 0 0
WALGREENS BOOTS ALLIANCE INC COM 98978V106 889 16,187 SH   SOLE   16,187 0 0
WEYERHAEUSER CO MTN BE COM NEW 98978V107 232 6,509 SH   SOLE   6,509 0 0
ZOETIS INC CL A 98978V108 250 1,586 SH   SOLE   1,586 0 0