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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   880,657 9,093 SH   SOLE   9,093 0 0
ABBVIE INC COM 00287Y109   1,688,999 11,331 SH   SOLE   11,331 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   405,371 795 SH   SOLE   795 0 0
ADVANCED MICRO DEVICES INC COM 007903107   259,929 2,528 SH   SOLE   2,528 0 0
AIR PRODS & CHEMS INC COM 009158106   452,272 1,595 SH   SOLE   1,595 0 0
ALBEMARLE CORP COM 012653101   518,622 3,050 SH   SOLE   3,050 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   396,680 9,400 SH   SOLE   9,400 0 0
ALLSTATE CORP COM 020002101   1,066,751 9,575 SH   SOLE   9,575 0 0
ALPHABET INC CAP STK CL A 02079K305   3,086,987 23,590 SH   SOLE   23,590 0 0
ALPHABET INC CAP STK CL C 02079K107   1,854,470 14,065 SH   SOLE   14,065 0 0
AMAZON COM INC COM 023135106   2,312,948 18,195 SH   SOLE   18,195 0 0
AMERICAN ELEC PWR CO INC COM 025537101   228,669 3,040 SH   SOLE   3,040 0 0
AMERICAN EXPRESS CO COM 025816109   347,016 2,326 SH   SOLE   2,326 0 0
AMERICAN TOWER CORP NEW COM 03027X100   331,352 2,014 SH   SOLE   2,014 0 0
AMGEN INC COM 031162100   358,526 1,334 SH   SOLE   1,334 0 0
APPLE INC COM 037833100   11,928,468 69,671 SH   SOLE   69,671 0 0
APPLIED MATLS INC COM 038222105   767,705 5,545 SH   SOLE   5,545 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   730,443 9,685 SH   SOLE   9,685 0 0
AT&T INC COM 00206R102   247,515 16,479 SH   SOLE   16,479 0 0
BANK AMERICA CORP COM 060505104   404,540 14,775 SH   SOLE   14,775 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,896,737 11,124 SH   SOLE   11,124 0 0
BLACKROCK INC COM 09247X101   257,303 398 SH   SOLE   398 0 0
BOEING CO COM 097023105   264,710 1,381 SH   SOLE   1,381 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   258,046 4,446 SH   SOLE   4,446 0 0
BROADCOM INC COM 11135F101   537,385 647 SH   SOLE   647 0 0
BROWN FORMAN CORP CL B 115637209   232,545 4,030 SH   SOLE   4,030 0 0
CADENCE DESIGN SYSTEM INC COM 127387108   311,619 1,330 SH   SOLE   1,330 0 0
CARDINAL HEALTH INC COM 14149Y108   289,979 3,340 SH   SOLE   3,340 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   349,582 6,333 SH   SOLE   6,333 0 0
CATERPILLAR INC COM 149123101   943,761 3,457 SH   SOLE   3,457 0 0
CHEVRON CORP NEW COM 166764100   210,775 1,250 SH   SOLE   1,250 0 0
CISCO SYS INC COM 17275R102   1,038,374 19,315 SH   SOLE   19,315 0 0
CLOUDFLARE INC CL A COM 18915M107   1,931,609 30,641 SH   SOLE   30,641 0 0
COCA COLA CO COM 191216100   372,939 6,662 SH   SOLE   6,662 0 0
COLGATE PALMOLIVE CO COM 194162103   438,962 6,173 SH   SOLE   6,173 0 0
COMCAST CORP NEW CL A 20030N101   593,890 13,394 SH   SOLE   13,394 0 0
CONSTELLATION BRANDS INC CL A 21036P108   423,491 1,685 SH   SOLE   1,685 0 0
CONSTELLATION ENERGY CORP COM 21037T109   445,265 4,082 SH   SOLE   4,082 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,869,453 3,309 SH   SOLE   3,309 0 0
CSX CORP COM 126408103   299,351 9,735 SH   SOLE   9,735 0 0
CUMMINS INC COM 231021106   423,108 1,852 SH   SOLE   1,852 0 0
CVS HEALTH CORP COM 126650100   195,426 2,799 SH   SOLE   2,799 0 0
D R HORTON INC COM 23331A109   585,389 5,447 SH   SOLE   5,447 0 0
DEERE & CO COM 244199105   531,728 1,409 SH   SOLE   1,409 0 0
DIGITAL RLTY TR INC COM 253868103   209,365 1,730 SH   SOLE   1,730 0 0
DISCOVER FINL SVCS COM 254709108   576,263 6,652 SH   SOLE   6,652 0 0
DISNEY WALT CO COM 254687106   457,122 5,640 SH   SOLE   5,640 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   420,029 4,759 SH   SOLE   4,759 0 0
EASTMAN CHEM CO COM 277432100   324,909 4,235 SH   SOLE   4,235 0 0
EDISON INTL COM 281020107   260,375 4,114 SH   SOLE   4,114 0 0
EMERSON ELEC CO COM 291011104   480,919 4,980 SH   SOLE   4,980 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108   714,292 11,211 SH   SOLE   11,211 0 0
ESSEX PPTY TR INC COM 297178105   852,552 4,019 SH   SOLE   4,019 0 0
EXELON CORP COM 30161N101   293,817 7,775 SH   SOLE   7,775 0 0
FAIR ISAAC CORP COM 303250104   279,667 322 SH   SOLE   322 0 0
FEDEX CORP COM 31428X106   589,872 2,226 SH   SOLE   2,226 0 0
FISERV INC COM 337738108   445,627 3,945 SH   SOLE   3,945 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100   288,646 22,254 SH   SOLE   22,254 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   1,484,268 64,004 SH   SOLE   64,004 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,311,293 57,161 SH   SOLE   57,161 0 0
FRANCO NEV CORP COM 351858105   302,355 2,265 SH   SOLE   2,265 0 0
GENERAL DYNAMICS CORP COM 369550108   472,876 2,140 SH   SOLE   2,140 0 0
GENERAL ELECTRIC CO COM NEW 369604301   288,093 2,606 SH   SOLE   2,606 0 0
GENERAL MTRS CO COM 37045V100   233,428 7,080 SH   SOLE   7,080 0 0
GENUINE PARTS CO COM 372460105   407,874 2,825 SH   SOLE   2,825 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   566,895 1,752 SH   SOLE   1,752 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   3,273,317 65,545 SH   SOLE   65,545 0 0
HERSHEY CO COM 427866108   229,492 1,147 SH   SOLE   1,147 0 0
HOME DEPOT INC COM 437076102   985,444 3,261 SH   SOLE   3,261 0 0
HONEYWELL INTL INC COM 438516106   381,858 2,067 SH   SOLE   2,067 0 0
HP INC COM 40434L105   218,861 8,516 SH   SOLE   8,516 0 0
ILLINOIS TOOL WKS INC COM 452308109   191,618 832 SH   SOLE   832 0 0
INTEL CORP COM 458140100   674,917 18,985 SH   SOLE   18,985 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   277,093 1,975 SH   SOLE   1,975 0 0
INTUIT COM 461202103   498,677 976 SH   SOLE   976 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   792,106 2,710 SH   SOLE   2,710 0 0
ISHARES TR 20 YR TR BD ETF 464287432   280,260 3,160 SH   SOLE   3,160 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   506,063 6,250 SH   SOLE   6,250 0 0
ISHARES TR CORE MSCI EAFE 46432F842   8,159,902 126,805 SH   SOLE   126,805 0 0
ISHARES TR CORE TOTAL USD 46434V613   9,288,687 212,482 SH   SOLE   212,482 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,269,546 130,471 SH   SOLE   130,471 0 0
ISHARES INC CORE MSCI EMKT 46434G103   275,118 5,781 SH   SOLE   5,781 0 0
ISHARES TR IBOXX INV CP ETF 464287242   714,200 7,000 SH   SOLE   7,000 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,041,112 15,106 SH   SOLE   15,106 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,130,799 56,147 SH   SOLE   56,147 0 0
ISHARES INC MSCI CDA ETF 464286509   234,889 7,020 SH   SOLE   7,020 0 0
ISHARES INC MSCI FRANCE ETF 464286707   332,944 9,355 SH   SOLE   9,355 0 0
ISHARES INC MSCI GERMANY ETF 464286806   243,005 9,275 SH   SOLE   9,275 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   1,009,858 16,750 SH   SOLE   16,750 0 0
ISHARES INC MSCI NETHERL ETF 464286814   314,616 8,275 SH   SOLE   8,275 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   529,495 16,735 SH   SOLE   16,735 0 0
ISHARES TR RUS 1000 ETF 464287622   1,153,408 4,910 SH   SOLE   4,910 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   571,958 3,236 SH   SOLE   3,236 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,540,734 6,179 SH   SOLE   6,179 0 0
ISHARES TR CORE S&P500 ETF 464287200   750,214 1,747 SH   SOLE   1,747 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,036,868 21,593 SH   SOLE   21,593 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,456,858 20,166 SH   SOLE   20,166 0 0
ISHARES TR S&P MC 400VL ETF 464287705   2,040,621 20,218 SH   SOLE   20,218 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,539,247 14,033 SH   SOLE   14,033 0 0
ISHARES TR SP SMCP600VL ETF 464287879   2,049,956 22,976 SH   SOLE   22,976 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   926,270 13,538 SH   SOLE   13,538 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,141,031 7,417 SH   SOLE   7,417 0 0
ISHARES TR TIPS BD ETF 464287176   993,949 9,583 SH   SOLE   9,583 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,220,184 25,080 SH   SOLE   25,080 0 0
JPMORGAN CHASE & CO COM 46625H100   2,840,072 19,584 SH   SOLE   19,584 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,428,644 28,363 SH   SOLE   28,363 0 0
JOHNSON & JOHNSON COM 478160104   1,928,185 12,380 SH   SOLE   12,380 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   251,732 4,700 SH   SOLE   4,700 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,515,554 129,843 SH   SOLE   129,843 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103   348,240 2,632 SH   SOLE   2,632 0 0
KIMBERLY-CLARK CORP COM 494368103   361,342 2,990 SH   SOLE   2,990 0 0
KLA CORP COM NEW 482480100   308,220 672 SH   SOLE   672 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   235,161 1,169 SH   SOLE   1,169 0 0
LENNAR CORP CL A 526057104   240,172 2,140 SH   SOLE   2,140 0 0
ELI LILLY & CO COM 532457108   1,074,797 2,001 SH   SOLE   2,001 0 0
LINDE PLC SHS G54950103   393,202 1,056 SH   SOLE   1,056 0 0
LOWES COS INC COM 548661107   1,678,932 8,078 SH   SOLE   8,078 0 0
MARRIOTT INTL INC NEW CL A 571903202   483,804 2,461 SH   SOLE   2,461 0 0
MASTERCARD INCORPORATED CL A 57636Q104   287,035 725 SH   SOLE   725 0 0
MCDONALDS CORP COM 580135101   574,036 2,179 SH   SOLE   2,179 0 0
MCKESSON CORP COM 58155Q103   254,387 585 SH   SOLE   585 0 0
MERCK & CO INC COM 58933Y105   907,092 8,811 SH   SOLE   8,811 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105   219,398 198 SH   SOLE   198 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   1,474,755 18,895 SH   SOLE   18,895 0 0
MICROSOFT CORP COM 594918104   9,971,701 31,581 SH   SOLE   31,581 0 0
MONDELEZ INTL INC CL A 609207105   209,241 3,015 SH   SOLE   3,015 0 0
MORGAN STANLEY COM NEW 617446448   405,165 4,961 SH   SOLE   4,961 0 0
RBB FD INC MOTLEY FOOL SML 74933W874   409,050 14,675 SH   SOLE   14,675 0 0
NETFLIX INC COM 64110L106   414,227 1,097 SH   SOLE   1,097 0 0
NEXTERA ENERGY INC COM 65339F101   249,327 4,352 SH   SOLE   4,352 0 0
NIKE INC CL B 654106103   319,403 3,340 SH   SOLE   3,340 0 0
NOVO-NORDISK A S ADR 670100205   368,307 4,050 SH   SOLE   4,050 0 0
NVIDIA CORPORATION COM 67066G104   3,130,623 7,197 SH   SOLE   7,197 0 0
ORACLE CORP COM 68389X105   3,293,265 31,092 SH   SOLE   31,092 0 0
OTIS WORLDWIDE CORP COM 68902V107   248,881 3,099 SH   SOLE   3,099 0 0
PACIFIC BIOSCIENCES CALIF IN COM 69404D108   250,500 30,000 SH   SOLE   30,000 0 0
PARKER-HANNIFIN CORP COM 701094104   247,345 635 SH   SOLE   635 0 0
PEPSICO INC COM 713448108   359,552 2,122 SH   SOLE   2,122 0 0
PFIZER INC COM 717081103   435,356 13,125 SH   SOLE   13,125 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643   245,300 2,500 SH   SOLE   2,500 0 0
POLARIS INC COM 731068102   441,554 4,240 SH   SOLE   4,240 0 0
PROCTER AND GAMBLE CO COM 742718109   634,540 4,350 SH   SOLE   4,350 0 0
PROLOGIS INC. COM 74340W103   482,166 4,297 SH   SOLE   4,297 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467   207,207 2,340 SH   SOLE   2,340 0 0
RTX CORPORATION COM 75513E101   562,877 7,821 SH   SOLE   7,821 0 0
REALTY INCOME CORP COM 756109104   782,550 15,669 SH   SOLE   15,669 0 0
REGENERON PHARMACEUTICALS COM 75886F107   193,396 235 SH   SOLE   235 0 0
ROCKWELL AUTOMATION INC COM 773903109   282,249 987 SH   SOLE   987 0 0
ROYAL GOLD INC COM 780287108   334,865 3,149 SH   SOLE   3,149 0 0
SALESFORCE INC COM 79466L302   2,015,633 9,940 SH   SOLE   9,940 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   280,909 60,281 SH   SOLE   60,281 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   311,753 6,253 SH   SOLE   6,253 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   250,225 5,225 SH   SOLE   5,225 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   267,367 7,873 SH   SOLE   7,873 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   216,062 4,270 SH   SOLE   4,270 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   406,165 9,806 SH   SOLE   9,806 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   192,622 1,900 SH   SOLE   1,900 0 0
SHERWIN WILLIAMS CO COM 824348106   290,247 1,138 SH   SOLE   1,138 0 0
SOCIEDAD QUIMICA Y MINERA DE SPON ADR SER B 833635105   219,287 3,675 SH   SOLE   3,675 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   772,875 26,360 SH   SOLE   26,360 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   320,558 3,546 SH   SOLE   3,546 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,532,249 8,937 SH   SOLE   8,937 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   3,297,850 132,497 SH   SOLE   132,497 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,549,836 3,394 SH   SOLE   3,394 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   627,113 1,467 SH   SOLE   1,467 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   230,529 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109   478,711 5,245 SH   SOLE   5,245 0 0
SYNOPSYS INC COM 871607107   484,213 1,055 SH   SOLE   1,055 0 0
TESLA INC COM 88160R101   1,307,400 5,225 SH   SOLE   5,225 0 0
TEXAS INSTRS INC COM 882508104   306,094 1,925 SH   SOLE   1,925 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   313,319 619 SH   SOLE   619 0 0
TRACTOR SUPPLY CO COM 892356106   215,233 1,060 SH   SOLE   1,060 0 0
TRAVELERS COMPANIES INC COM 89417E109   238,433 1,460 SH   SOLE   1,460 0 0
UNION PAC CORP COM 907818108   542,470 2,664 SH   SOLE   2,664 0 0
UNITED PARCEL SERVICE INC CL B 911312106   197,487 1,267 SH   SOLE   1,267 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,482,150 2,939 SH   SOLE   2,939 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   203,036 7,545 SH   SOLE   7,545 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   388,218 9,901 SH   SOLE   9,901 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   845,663 11,250 SH   SOLE   11,250 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   239,866 7,401 SH   SOLE   7,401 0 0
VISA INC COM CL A 92826C839   1,273,029 5,534 SH   SOLE   5,534 0 0
WALMART INC COM 931142103   702,229 4,390 SH   SOLE   4,390 0 0
ZOETIS INC CL A 98978V103   258,360 1,485 SH   SOLE   1,485 0 0