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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
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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
AMGEN INC COM 031162100   644,799 2,687 SH   SOLE   0 0 2,687
CHEVRON CORP NEW COM 166764100   892,608 5,459 SH   SOLE   0 0 5,459
CISCO SYS INC COM 17275R102   973,499 18,762 SH   SOLE   0 0 18,762
COCA COLA CO COM 191216100   933,217 15,000 SH   SOLE   0 0 15,000
DOW INC COM 260557103   1,182,882 21,661 SH   SOLE   0 0 21,661
EXXON MOBIL CORP COM 30231G102   705,869 6,426 SH   SOLE   0 0 6,426
GABELLI UTIL TR COM 36240A101   281,653 39,392 SH   SOLE   0 0 39,392
HP INC COM 40434L105   583,400 20,000 SH   SOLE   0 0 20,000
HEWLETT PACKARD ENTERPRISE CO COM 42824C109   460,810 29,000 SH   SOLE   0 0 29,000
HOME DEPOT INC COM 437076102   228,128 787 SH   SOLE   0 0 787
INTEL CORP COM 458140100   530,075 16,253 SH   SOLE   0 0 16,253
INTERNATIONAL BUS MACHS COM 459200101   786,867 6,041 SH   SOLE   0 0 6,041
INVESCO QQQ TR UNIT SER 1 46090E103   720,807 2,261 SH   SOLE   0 0 2,261
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,710,236 129,987 SH   SOLE   0 0 129,987
ISHARES TR CORE S&P500 ETF 464287200   205,942 504 SH   SOLE   0 0 504
ISHARES TR CRE U S REIT ETF 464288521   2,457,539 49,368 SH   SOLE   0 0 49,368
ISHARES SILVER TR ISHARES 46428Q109   553,275 24,956 SH   SOLE   0 0 24,956
ISHARES TR FLTG RATE NT ETF 46429B655   7,742,457 153,561 SH   SOLE   0 0 153,561
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,789,444 18,061 SH   SOLE   0 0 18,061
ISHARES TR CORE MSCI EAFE 46432F842   9,774,292 146,048 SH   SOLE   0 0 146,048
JP MORGAN CHASE & CO COM 46625H100   497,768 3,834 SH   SOLE   0 0 3,834
MDU RES GROUP INC COM 552690109   204,877 6,739 SH   SOLE   0 0 6,739
MERCK & CO INC COM 58933Y105   646,300 6,099 SH   SOLE   0 0 6,099
MICROSOFT CORP COM 594918104   570,545 2,001 SH   SOLE   0 0 2,001
PFIZER INC COM 717081103   459,623 11,392 SH   SOLE   0 0 11,392
PROCTER AND GAMBLE CO COM 742718109   200,826 1,353 SH   SOLE   0 0 1,353
SPDR S&P 500 ETF TR TR UNIT 78462F103   375,086 921 SH   SOLE   0 0 921
SPDR GOLD TR GOLD SHS 78463V107   493,427 2,684 SH   SOLE   0 0 2,684
SPDR SER TR PRTFLO S&P500 HI 78468R788   5,442,483 144,248 SH   SOLE   0 0 144,248
SPDR SER TR DJ REIT ETF 78464A607   2,181,289 24,875 SH   SOLE   0 0 24,875
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,603,586 65,179 SH   SOLE   0 0 65,179
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   9,165,225 99,801 SH   SOLE   0 0 99,801
SELECT SECTOR SPDR TR ENERGY 81369Y506   6,107,270 73,697 SH   SOLE   0 0 73,697
SIMON PPTY GROUP INC NEW COM 828806109   323,607 2,940 SH   SOLE   0 0 2,940
3M CO COM 88579Y101   470,223 4,492 SH   SOLE   0 0 4,492
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   2,222,918 79,646 SH   SOLE   0 0 79,646
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   21,797,152 296,318 SH   SOLE   0 0 296,318
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   995,938 6,492 SH   SOLE   0 0 6,492
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   770,886 10,472 SH   SOLE   0 0 10,472
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   18,197,489 173,128 SH   SOLE   0 0 173,128
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   984,505 11,993 SH   SOLE   0 0 11,993
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,947,515 9,588 SH   SOLE   0 0 9,588
VERIZON COMMUNICATIONS INC COM 92343V104   848,429 21,775 SH   SOLE   0 0 21,775
WALGREENS BOOTS ALLIANCE INC COM 931427108   931,207 26,988 SH   SOLE   0 0 26,988
WORLD GOLD TR SPDR GLD MINIS 98149E303   10,353,863 263,726 SH   SOLE   0 0 263,726