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 1,018 5,802 SH   SOLE   5,802 0 0
ABB LTD SPONSORED ADR 000375204 314 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100 1,654 13,998 SH   SOLE   13,998 0 0
ABBVIE INC COM 00287Y109 1,796 16,650 SH   SOLE   16,650 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 771 1,340 SH   SOLE   1,340 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 217 1,378 SH   SOLE   1,378 0 0
AIR PRODS & CHEMS INC COM 009158106 376 1,468 SH   SOLE   1,468 0 0
ALBEMARLE CORP COM 012653101 715 3,266 SH   SOLE   3,266 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 460 13,800 SH   SOLE   13,800 0 0
ALLSTATE CORP COM 020002101 2,183 17,144 SH   SOLE   17,144 0 0
ALPHABET INC CAP STK CL A 02079K305 3,131 1,171 SH   SOLE   1,171 0 0
ALPHABET INC CAP STK CL C 02079K107 2,012 755 SH   SOLE   755 0 0
AMAZON COM INC COM 023135106 2,868 873 SH   SOLE   873 0 0
AMERICAN ELEC PWR CO INC COM 025537101 247 3,040 SH   SOLE   3,040 0 0
AMERICAN EXPRESS CO COM 025816109 358 2,136 SH   SOLE   2,136 0 0
AMERICAN TOWER CORP NEW COM 03027X100 516 1,944 SH   SOLE   1,944 0 0
AMGEN INC COM 031162100 800 3,760 SH   SOLE   3,760 0 0
AON PLC SHS CL A G0403H108 285 996 SH   SOLE   996 0 0
APPLE INC COM 037833100 12,187 86,130 SH   SOLE   86,130 0 0
APPLIED MATLS INC COM 038222105 635 4,932 SH   SOLE   4,932 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 753 12,546 SH   SOLE   12,546 0 0
AT&T INC COM 00206R102 599 22,185 SH   SOLE   22,185 0 0
BK OF AMERICA CORP COM 060505104 785 18,499 SH   SOLE   18,499 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,162 11,585 SH   SOLE   11,585 0 0
BIOGEN INC COM 09062X103 241 850 SH   SOLE   850 0 0
BLACKROCK INC COM 09247X101 333 397 SH   SOLE   397 0 0
BOEING CO COM 097023105 232 1,057 SH   SOLE   1,057 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 368 6,226 SH   SOLE   6,226 0 0
BROWN FORMAN CORP CL B 115637209 256 3,823 SH   SOLE   3,823 0 0
CANADIAN PAC RY LTD COM 13645T100 306 4,700 SH   SOLE   4,700 0 0
CARMAX INC COM 143130102 193 1,510 SH   SOLE   1,510 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 478 9,236 SH   SOLE   9,236 0 0
CATERPILLAR INC COM 149123101 1,257 6,548 SH   SOLE   6,548 0 0
CHEVRON CORP NEW COM 166764100 231 2,273 SH   SOLE   2,273 0 0
CISCO SYS INC COM 17275R102 1,042 19,142 SH   SOLE   19,142 0 0
CLOUDFLARE INC CL A COM 18915M107 4,345 38,569 SH   SOLE   38,569 0 0
COCA COLA CO COM 191216100 431 8,209 SH   SOLE   8,209 0 0
COLGATE PALMOLIVE CO COM 194162103 485 6,423 SH   SOLE   6,423 0 0
COMCAST CORP NEW CL A 20030N101 712 12,734 SH   SOLE   12,734 0 0
CONSTELLATION BRANDS INC CL A 21036P108 398 1,890 SH   SOLE   1,890 0 0
CORNING INC COM 219350105 236 6,475 SH   SOLE   6,475 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,727 6,069 SH   SOLE   6,069 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 227 1,310 SH   SOLE   1,310 0 0
CSX CORP COM 126408103 390 13,116 SH   SOLE   13,116 0 0
CUMMINS INC COM 231021106 554 2,465 SH   SOLE   2,465 0 0
CVS HEALTH CORP COM 126650100 252 2,964 SH   SOLE   2,964 0 0
D R HORTON INC COM 23331A109 373 4,445 SH   SOLE   4,445 0 0
DEERE & CO COM 244199105 528 1,577 SH   SOLE   1,577 0 0
DIGITAL RLTY TR INC COM 253868103 360 2,490 SH   SOLE   2,490 0 0
DISCOVER FINL SVCS COM 254709108 952 7,750 SH   SOLE   7,750 0 0
DISNEY WALT CO COM 254687106 843 4,983 SH   SOLE   4,983 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 469 4,807 SH   SOLE   4,807 0 0
EASTMAN CHEM CO COM 277432100 466 4,626 SH   SOLE   4,626 0 0
ECOLAB INC COM 278865100 218 1,043 SH   SOLE   1,043 0 0
EDISON INTL COM 281020107 242 4,366 SH   SOLE   4,366 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 224 1,975 SH   SOLE   1,975 0 0
EMERSON ELEC CO COM 291011104 494 5,245 SH   SOLE   5,245 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108 904 11,571 SH   SOLE   11,571 0 0
ESSEX PPTY TR INC COM 297178105 1,293 4,044 SH   SOLE   4,044 0 0
EXELON CORP COM 30161N101 334 6,900 SH   SOLE   6,900 0 0
EXXON MOBIL CORP COM 30231G102 414 7,046 SH   SOLE   7,046 0 0
FACEBOOK INC CL A 30303M102 844 2,486 SH   SOLE   2,486 0 0
FEDEX CORP COM 31428X106 488 2,223 SH   SOLE   2,223 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 246 2,025 SH   SOLE   2,025 0 0
FIFTH THIRD BANCORP COM 316773100 337 7,941 SH   SOLE   7,941 0 0
FISERV INC COM 337738108 477 4,400 SH   SOLE   4,400 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100 1,149 51,586 SH   SOLE   51,586 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 1,598 60,767 SH   SOLE   60,767 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 1,671 59,800 SH   SOLE   59,800 0 0
FMC CORP COM NEW 302491303 201 2,200 SH   SOLE   2,200 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 258 2,885 SH   SOLE   2,885 0 0
FRANCO NEV CORP COM 351858105 388 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 539 2,750 SH   SOLE   2,750 0 0
GENERAL MLS INC COM 370334104 397 6,628 SH   SOLE   6,628 0 0
GENERAL MTRS CO COM 37045V100 402 7,635 SH   SOLE   7,635 0 0
GENUINE PARTS CO COM 372460105 340 2,805 SH   SOLE   2,805 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 698 1,845 SH   SOLE   1,845 0 0
HOME DEPOT INC COM 437076102 1,272 3,876 SH   SOLE   3,876 0 0
HONEYWELL INTL INC COM 438516106 419 1,972 SH   SOLE   1,972 0 0
HP INC COM 40434L105 298 10,906 SH   SOLE   10,906 0 0
ILLINOIS TOOL WKS INC COM 452308109 190 920 SH   SOLE   920 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 507 2,193 SH   SOLE   2,193 0 0
INTEL CORP COM 458140100 1,324 24,848 SH   SOLE   24,848 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 570 4,101 SH   SOLE   4,101 0 0
INTUIT COM 461202103 575 1,066 SH   SOLE   1,066 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 1,058 1,064 SH   SOLE   1,064 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,151 7,973 SH   SOLE   7,973 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 258 3,000 SH   SOLE   3,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842 5,411 72,878 SH   SOLE   72,878 0 0
ISHARES TR CORE US AGGBD ET 464287226 18,409 160,316 SH   SOLE   160,316 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,221 9,176 SH   SOLE   9,176 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,311 16,804 SH   SOLE   16,804 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,898 77,373 SH   SOLE   77,373 0 0
ISHARES INC MSCI AUST ETF 464286103 211 8,483 SH   SOLE   8,483 0 0
ISHARES INC MSCI CDA ETF 464286509 269 7,420 SH   SOLE   7,420 0 0
ISHARES INC MSCI FRANCE ETF 464286707 459 12,322 SH   SOLE   12,322 0 0
ISHARES INC MSCI GERMANY ETF 464286806 409 12,435 SH   SOLE   12,435 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,554 22,124 SH   SOLE   22,124 0 0
ISHARES INC MSCI NETHERL ETF 464286814 412 8,374 SH   SOLE   8,374 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 282 6,294 SH   SOLE   6,294 0 0
ISHARES INC MSCI SWITZERLAND 464286749 290 6,218 SH   SOLE   6,218 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 560 17,362 SH   SOLE   17,362 0 0
ISHARES TR RUS 1000 ETF 464287622 1,298 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 739 3,379 SH   SOLE   3,379 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,672 6,355 SH   SOLE   6,355 0 0
ISHARES TR CORE S&P500 ETF 464287200 880 2,042 SH   SOLE   2,042 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,891 17,321 SH   SOLE   17,321 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,321 16,681 SH   SOLE   16,681 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,796 17,429 SH   SOLE   17,429 0 0
ISHARES TR S&P SML 600 GWT 464287887 2,196 16,887 SH   SOLE   16,887 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,754 27,359 SH   SOLE   27,359 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,023 13,847 SH   SOLE   13,847 0 0
ISHARES TR S&P 500 VAL ETF 464287408 979 6,733 SH   SOLE   6,733 0 0
ISHARES TR TIPS BD ETF 464287176 1,453 11,380 SH   SOLE   11,380 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,772 29,507 SH   SOLE   29,507 0 0
JPMORGAN CHASE & CO COM 46625H100 4,560 27,859 SH   SOLE   27,859 0 0
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 404 7,015 SH   SOLE   7,015 0 0
HUNT J B TRANS SVCS INC COM 445658107 212 1,267 SH   SOLE   1,267 0 0
JOHNSON & JOHNSON COM 478160104 2,658 16,459 SH   SOLE   16,459 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 306 5,125 SH   SOLE   5,125 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3,160 62,310 SH   SOLE   62,310 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 383 1,414 SH   SOLE   1,414 0 0
KELLOGG CO COM 487836108 192 3,004 SH   SOLE   3,004 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 438 2,663 SH   SOLE   2,663 0 0
KIMBERLY-CLARK CORP COM 494368103 428 3,235 SH   SOLE   3,235 0 0
KLA CORP COM NEW 482480100 201 600 SH   SOLE   600 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 332 1,179 SH   SOLE   1,179 0 0
LAUDER ESTEE COS INC CL A 518439104 211 705 SH   SOLE   705 0 0
LILLY ELI & CO COM 532457108 407 1,760 SH   SOLE   1,760 0 0
LINDE PLC SHS G5494J103 421 1,435 SH   SOLE   1,435 0 0
LOCKHEED MARTIN CORP COM 539830109 295 854 SH   SOLE   854 0 0
LOWES COS INC COM 548661107 1,876 9,248 SH   SOLE   9,248 0 0
MAGNA INTL INC COM 559222401 218 2,900 SH   SOLE   2,900 0 0
MARRIOTT INTL INC NEW CL A 571903202 364 2,458 SH   SOLE   2,458 0 0
MASTERCARD INCORPORATED CL A 57636Q104 223 642 SH   SOLE   642 0 0
MCDONALDS CORP COM 580135101 557 2,311 SH   SOLE   2,311 0 0
MEDTRONIC PLC SHS G5960L103 643 5,130 SH   SOLE   5,130 0 0
MERCK & CO INC COM 58933Y105 614 8,170 SH   SOLE   8,170 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 348 253 SH   SOLE   253 0 0
RBB FD INC MFAM SMLCP GRWTH 74933W874 795 20,330 SH   SOLE   20,330 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 1,507 9,817 SH   SOLE   9,817 0 0
MICROSOFT CORP COM 594918104 11,520 40,861 SH   SOLE   40,861 0 0
MONDELEZ INTL INC CL A 609207105 202 3,470 SH   SOLE   3,470 0 0
MORGAN STANLEY COM NEW 617446448 1,755 18,034 SH   SOLE   18,034 0 0
NETFLIX INC COM 64110L106 651 1,067 SH   SOLE   1,067 0 0
NEXTERA ENERGY INC COM 65339F101 452 5,762 SH   SOLE   5,762 0 0
NIKE INC CL B 654106103 318 2,193 SH   SOLE   2,193 0 0
NORFOLK SOUTHN CORP COM 655844108 205 855 SH   SOLE   855 0 0
NOVO-NORDISK A S ADR 670100205 266 2,775 SH   SOLE   2,775 0 0
NVIDIA CORPORATION COM 67066G104 1,466 7,076 SH   SOLE   7,076 0 0
ORACLE CORP COM 68389X105 2,908 33,380 SH   SOLE   33,380 0 0
OTIS WORLDWIDE CORP COM 68902V107 379 4,607 SH   SOLE   4,607 0 0
PAYCHEX INC COM 704326107 208 1,850 SH   SOLE   1,850 0 0
PEPSICO INC COM 713448108 333 2,217 SH   SOLE   2,217 0 0
PERKINELMER INC COM 714046109 227 1,310 SH   SOLE   1,310 0 0
PFIZER INC COM 717081103 563 13,081 SH   SOLE   13,081 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643 252 2,500 SH   SOLE   2,500 0 0
PNC FINL SVCS GROUP INC COM 693475105 221 1,131 SH   SOLE   1,131 0 0
POLARIS INC COM 731068102 1,009 8,430 SH   SOLE   8,430 0 0
PROCTER AND GAMBLE CO COM 742718109 546 3,905 SH   SOLE   3,905 0 0
PROLOGIS INC. COM 74340W103 269 2,141 SH   SOLE   2,141 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 925 10,760 SH   SOLE   10,760 0 0
REALTY INCOME CORP COM 756109104 1,303 20,094 SH   SOLE   20,094 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 346 10,564 SH   SOLE   10,564 0 0
RELX PLC SPONSORED ADR 759530108 226 7,838 SH   SOLE   7,838 0 0
RIO TINTO PLC SPONSORED ADR 767204100 200 3,000 SH   SOLE   3,000 0 0
ROCKWELL AUTOMATION INC COM 773903109 402 1,366 SH   SOLE   1,366 0 0
ROYAL GOLD INC COM 780287108 308 3,221 SH   SOLE   3,221 0 0
SALESFORCE COM INC COM 79466L302 2,445 9,015 SH   SOLE   9,015 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 509 88,400 SH   SOLE   88,400 0 0
SCHRODINGER INC COM 80810D103 251 4,590 SH   SOLE   4,590 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 341 3,278 SH   SOLE   3,278 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 225 5,815 SH   SOLE   5,815 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 234 3,470 SH   SOLE   3,470 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 238 2,285 SH   SOLE   2,285 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 513 5,128 SH   SOLE   5,128 0 0
SHERWIN WILLIAMS CO COM 824348106 2,299 8,218 SH   SOLE   8,218 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 323 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,715 10,445 SH   SOLE   10,445 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 3,418 117,989 SH   SOLE   117,989 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 286 3,494 SH   SOLE   3,494 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,909 3,969 SH   SOLE   3,969 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 531 1,237 SH   SOLE   1,237 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 228 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109 628 5,695 SH   SOLE   5,695 0 0
STERIS PLC SHS USD G8473T100 203 993 SH   SOLE   993 0 0
SVB FINANCIAL GROUP COM 78486Q101 367 568 SH   SOLE   568 0 0
SYNOPSYS INC COM 871607107 527 1,759 SH   SOLE   1,759 0 0
SYSCO CORP COM 871829107 211 2,687 SH   SOLE   2,687 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 282 2,522 SH   SOLE   2,522 0 0
TARGET CORP COM 87612E106 270 1,180 SH   SOLE   1,180 0 0
TESLA INC COM 88160R101 1,202 1,550 SH   SOLE   1,550 0 0
TEXAS INSTRS INC COM 882508104 432 2,250 SH   SOLE   2,250 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 457 800 SH   SOLE   800 0 0
TRAVELERS COMPANIES INC COM 89417E109 257 1,693 SH   SOLE   1,693 0 0
TRUIST FINL CORP COM 89832Q109 263 4,476 SH   SOLE   4,476 0 0
US BANCORP DEL COM NEW 902973304 268 4,505 SH   SOLE   4,505 0 0
UNILEVER PLC SPON ADR NEW 904767704 262 4,825 SH   SOLE   4,825 0 0
UNION PAC CORP COM 907818108 564 2,877 SH   SOLE   2,877 0 0
UNITED PARCEL SERVICE INC CL B 911312106 267 1,467 SH   SOLE   1,467 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,074 2,748 SH   SOLE   2,748 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 203 6,883 SH   SOLE   6,883 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 509 10,170 SH   SOLE   10,170 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 762 14,101 SH   SOLE   14,101 0 0
VISA INC COM CL A 92826C839 1,127 5,059 SH   SOLE   5,059 0 0
WALMART INC COM 931142103 550 3,948 SH   SOLE   3,948 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 735 15,619 SH   SOLE   15,619 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104 217 6,109 SH   SOLE   6,109 0 0
ZOETIS INC CL A 98978V103 303 1,561 SH   SOLE   1,561 0 0