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
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326a104 3,878 265,283 SH   SOLE   265,283 0 0
APPLE INC COM 037833100 3,135 10,676 SH   SOLE   10,676 0 0
AT&T INC COM 00206R102 965 24,688 SH   SOLE   24,688 0 0
BEST BUY INC COM 086516101 1,873 21,331 SH   SOLE   21,331 0 0
BOEING CO COM 097023105 422 1,296 SH   SOLE   1,296 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,012 15,762 SH   SOLE   15,762 0 0
CISCO SYS INC COM 17275R102 2,657 55,393 SH   SOLE   55,393 0 0
COMCAST CORP NEW CL A 20030N101 910 20,238 SH   SOLE   20,238 0 0
CUMMINS INC COM 231021106 522 2,919 SH   SOLE   2,919 0 0
CVS HEALTH CORP COM 126650100 965 12,996 SH   SOLE   12,996 0 0
DELUXE CORP COM 248019101 962 19,272 SH   SOLE   19,272 0 0
DISNEY WALT CO COM DISNEY 254687106 973 6,729 SH   SOLE   6,729 0 0
EATON CORP PLC SHS G29183103 933 9,851 SH   SOLE   9,851 0 0
EMERSON ELEC CO COM 291011104 895 11,737 SH   SOLE   11,737 0 0
FIRST TR EXCHANGE TRADED FD FIRST TR ENH NEW 33739q408 639 10,640 SH   SOLE   10,640 0 0
GENERAL MLS INC COM 370334104 796 14,856 SH   SOLE   14,856 0 0
GILEAD SCIENCES INC COM 375558103 1,377 21,191 SH   SOLE   21,191 0 0
HOME DEPOT INC COM 437076102 919 4,209 SH   SOLE   4,209 0 0
HP INC COM 40434L105 1,371 66,708 SH   SOLE   66,708 0 0
INTEL CORP COM 458140100 893 14,925 SH   SOLE   14,925 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 825 6,153 SH   SOLE   6,153 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,498 65,063 SH   SOLE   65,063 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 7,883 93,145 SH   SOLE   93,145 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,751 15,375 SH   SOLE   15,375 0 0
ISHARES TR MBS ETF 464288588 1,017 9,416 SH   SOLE   9,416 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 1,632 32,043 SH   SOLE   32,043 0 0
ISHARES TR HDG MSCI EAFE 46434v803 7,050 231,041 SH   SOLE   231,041 0 0
ISHARES TR TRS FLT RT BD 46434V860 23,672 471,223 SH   SOLE   471,223 0 0
JOHNSON & JOHNSON COM 478160104 855 5,860 SH   SOLE   5,860 0 0
KIMBERLY CLARK CORP COM 494368103 850 6,179 SH   SOLE   6,179 0 0
KORN FERRY COM NEW 500643200 1,087 25,637 SH   SOLE   25,637 0 0
LAM RESEARCH CORP COM 512807108 777 2,656 SH   SOLE   2,656 0 0
LOWES COS INC COM 548661107 908 7,581 SH   SOLE   7,581 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 467 4,944 SH   SOLE   4,944 0 0
MATCH GROUP INC COM 57665R106 2,853 34,741 SH   SOLE   34,741 0 0
MCDONALDS CORP COM 580135101 789 3,992 SH   SOLE   3,992 0 0
MERCK & CO INC COM 58933Y105 986 10,846 SH   SOLE   10,846 0 0
MICROSOFT CORP COM 594918104 397 2,518 SH   SOLE   2,518 0 0
MKS INSTRUMENT INC COM 55306N104 1,424 12,944 SH   SOLE   12,944 0 0
MSG NETWORK INC CL A 553573106 795 45,680 SH   SOLE   45,680 0 0
OMNICOM GROUP INC COM 681919106 983 12,137 SH   SOLE   12,137 0 0
ORACLE CORP COM 68389X105 1,844 34,802 SH   SOLE   34,802 0 0
PEPSICO INC COM 713448108 891 6,522 SH   SOLE   6,522 0 0
PFIZER INC COM 717081103 775 19,775 SH   SOLE   19,775 0 0
PROCTER & GAMBLE CO COM 742718109 979 7,841 SH   SOLE   7,841 0 0
QUALCOMM INC COM 747525103 2,208 25,023 SH   SOLE   25,023 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,240 201,039 SH   SOLE   201,039 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,627 48,553 SH   SOLE   48,553 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 49,314 539,363 SH   SOLE   539,363 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 333 6,779 SH   SOLE   6,779 0 0
TEGNA INC COM 87901J105 1,295 77,589 SH   SOLE   77,589 0 0
TEXAS INSTRS INC COM 882508104 936 7,293 SH   SOLE   7,293 0 0
TJX COS INC NEW COM 872540109 905 14,814 SH   SOLE   14,814 0 0
TYSON FOODS INC CL A 902494103 272 2,987 SH   SOLE   2,987 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,470 4,999 SH   SOLE   4,999 0 0
USANA HEALTH SCIENCES INC COM 90328M107 1,326 16,876 SH   SOLE   16,876 0 0
VANECK VECTORS ETF TRUST AMT FREE SHORT M 92189f528 334 18,782 SH   SOLE   18,782 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 534 5,760 SH   SOLE   5,760 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 36,546 223,359 SH   SOLE   223,359 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,019 304,768 SH   SOLE   304,768 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,704 21,032 SH   SOLE   21,032 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 6,695 80,397 SH   SOLE   80,397 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,926 20,558 SH   SOLE   20,558 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 527 8,584 SH   SOLE   8,584 0 0
VIACOMCBS INC CL B 92556H206 538 12,826 SH   SOLE   12,826 0 0