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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   428,852 4,428 SH   SOLE   0 0 4,428
ABBVIE INC COM 00287Y109   994,677 6,673 SH   SOLE   0 0 6,673
AGNICO EAGLE MINES LTD COM 008474108   1,006,854 22,153 SH   SOLE   0 0 22,153
ALAMOS GOLD INC NEW COM CL A 011532108   802,437 71,075 SH   SOLE   0 0 71,075
ALPHABET INC CAP STK CL A 02079K305   605,882 4,630 SH   SOLE   0 0 4,630
ALPHABET INC CAP STK CL C 02079K107   497,734 3,775 SH   SOLE   0 0 3,775
AMAZON COM INC COM 023135106   706,787 5,560 SH   SOLE   0 0 5,560
AMEREN CORP COM 023608102   296,027 3,956 SH   SOLE   0 0 3,956
AMERICAN TOWER CORP NEW COM 03027X100   433,326 2,635 SH   SOLE   0 0 2,635
APPLE INC COM 037833100   2,539,188 14,831 SH   SOLE   0 0 14,831
AUTOMATIC DATA PROCESSING IN COM 053015103   687,096 2,856 SH   SOLE   0 0 2,856
BANK AMERICA CORP COM 060505104   317,608 11,600 SH   SOLE   0 0 11,600
BARRICK GOLD CORP COM 067901108   170,235 11,700 SH   SOLE   0 0 11,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   294,252 840 SH   SOLE   0 0 840
CHEVRON CORP NEW COM 166764100   553,579 3,283 SH   SOLE   0 0 3,283
CMS ENERGY CORP COM 125896100   253,614 4,775 SH   SOLE   0 0 4,775
CROWN CASTLE INC COM 22822V101   385,514 4,189 SH   SOLE   0 0 4,189
DTE ENERGY CO COM 233331107   320,128 3,224 SH   SOLE   0 0 3,224
DUKE ENERGY CORP NEW COM NEW 26441C204   284,285 3,221 SH   SOLE   0 0 3,221
ECOLAB INC COM 278865100   338,800 2,000 SH   SOLE   0 0 2,000
EVGO INC CL A COM 30052F100   103,090 30,500 SH   SOLE   0 0 30,500
EXXON MOBIL CORP COM 30231G102   542,632 4,615 SH   SOLE   0 0 4,615
FEDEX CORP COM 31428X106   225,182 850 SH   SOLE   0 0 850
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,513,945 32,516 SH   SOLE   0 0 32,516
FORD MTR CO DEL COM 345370860   189,939 15,293 SH   SOLE   0 0 15,293
GLOBAL X FDS CYBRSCURTY ETF 37954Y384   1,658,861 68,294 SH   SOLE   0 0 68,294
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,743,721 57,397 SH   SOLE   0 0 57,397
HECLA MNG CO COM 422704106   110,458 28,250 SH   SOLE   0 0 28,250
HOME DEPOT INC COM 437076102   293,700 972 SH   SOLE   0 0 972
I-80 GOLD CORP COM 44955L106   22,950 15,000 SH   SOLE   0 0 15,000
INNOVATOR ETFS TR EQUITY DEF PROTN 45783Y541   522,588 21,400 SH   SOLE   0 0 21,400
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   791,517 25,280 SH   SOLE   0 0 25,280
INNOVATOR ETFS TR US EQUT BUFR AUG 45782C698   424,178 12,850 SH   SOLE   0 0 12,850
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   472,123 12,850 SH   SOLE   0 0 12,850
INNOVATOR ETFS TR US EQTY BUFR JUN 45782C755   206,766 6,300 SH   SOLE   0 0 6,300
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   650,984 19,340 SH   SOLE   0 0 19,340
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C391   319,723 8,800 SH   SOLE   0 0 8,800
INNOVATOR ETFS TR US EQTY BUFR MAY 45782C326   418,588 13,470 SH   SOLE   0 0 13,470
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383   321,504 9,600 SH   SOLE   0 0 9,600
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   2,947,720 99,855 SH   SOLE   0 0 99,855
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   538,750 15,483 SH   SOLE   0 0 15,483
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   417,878 12,640 SH   SOLE   0 0 12,640
INNOVATOR ETFS TR US EQTY PWR BF 45782C680   759,483 24,460 SH   SOLE   0 0 24,460
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   811,265 25,070 SH   SOLE   0 0 25,070
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   3,432,054 112,122 SH   SOLE   0 0 112,122
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   1,718,982 53,055 SH   SOLE   0 0 53,055
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   366,768 10,800 SH   SOLE   0 0 10,800
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   775,611 5,474 SH   SOLE   0 0 5,474
ISHARES TR 0-5 YR TIPS ETF 46429B747   8,469,960 87,391 SH   SOLE   0 0 87,391
ISHARES TR 7-10 YR TRSY BD 464287440   6,105,664 66,663 SH   SOLE   0 0 66,663
ISHARES TR CORE S&P MCP ETF 464287507   1,539,238 6,173 SH   SOLE   0 0 6,173
ISHARES TR INTL SEL DIV ETF 464288448   2,496,947 98,305 SH   SOLE   0 0 98,305
ISHARES TR MSCI EMG MKT ETF 464287234   1,993,855 52,539 SH   SOLE   0 0 52,539
ISHARES TR RUS 1000 VAL ETF 464287598   3,822,676 25,179 SH   SOLE   0 0 25,179
ISHARES TR PFD AND INCM SEC 464288687   1,577,538 52,323 SH   SOLE   0 0 52,323
ISHARES TR 1 3 YR TREAS BD 464287457   835,044 10,313 SH   SOLE   0 0 10,313
ISHARES TR MBS ETF 464288588   2,946,118 33,177 SH   SOLE   0 0 33,177
ISHARES TR RUSSELL 2000 ETF 464287655   2,228,356 12,608 SH   SOLE   0 0 12,608
ISHARES TR MSCI USA QLT FCT 46432F339   226,547 1,719 SH   SOLE   0 0 1,719
JOHNSON & JOHNSON COM 478160104   1,082,618 6,951 SH   SOLE   0 0 6,951
JPMORGAN CHASE & CO COM 46625H100   1,635,276 11,276 SH   SOLE   0 0 11,276
KT CORP SPONSORED ADR 48268K101   241,657 18,850 SH   SOLE   0 0 18,850
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,907,603 70,888 SH   SOLE   0 0 70,888
MERCK & CO INC COM 58933Y105   224,843 2,184 SH   SOLE   0 0 2,184
MICROSOFT CORP COM 594918104   4,563,535 14,453 SH   SOLE   0 0 14,453
MONDELEZ INTL INC CL A 609207105   340,060 4,900 SH   SOLE   0 0 4,900
MORGAN STANLEY COM NEW 617446448   2,770,042 33,918 SH   SOLE   0 0 33,918
NEW GOLD INC CDA COM 644535106   307,022 337,350 SH   SOLE   0 0 337,350
NEWMONT CORP COM 651639106   217,451 5,885 SH   SOLE   0 0 5,885
NOKIA CORP SPONSORED ADR 654902204   266,800 71,337 SH   SOLE   0 0 71,337
ORACLE CORP COM 68389X105   370,296 3,496 SH   SOLE   0 0 3,496
PACER FDS TR US CASH COWS 100 69374H881   1,723,970 34,877 SH   SOLE   0 0 34,877
PAYCHEX INC COM 704326107   231,465 2,007 SH   SOLE   0 0 2,007
PEPSICO INC COM 713448108   1,729,135 10,205 SH   SOLE   0 0 10,205
PFIZER INC COM 717081103   240,217 7,242 SH   SOLE   0 0 7,242
INVESCO QQQ TR UNIT SER 1 46090E103   4,876,708 13,612 SH   SOLE   0 0 13,612
REPUBLIC SVCS INC COM 760759100   822,283 5,770 SH   SOLE   0 0 5,770
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   5,490,515 130,107 SH   SOLE   0 0 130,107
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,622,799 77,232 SH   SOLE   0 0 77,232
SCHWAB STRATEGIC TR US TIPS ETF 808524870   302,940 6,000 SH   SOLE   0 0 6,000
SOUTHERN CO COM 842587107   286,321 4,424 SH   SOLE   0 0 4,424
SPDR SER TR PORTFLI INTRMDIT 78464A672   294,599 10,701 SH   SOLE   0 0 10,701
SPDR SER TR PORTFOLIO SH TSR 78468R101   323,071 11,249 SH   SOLE   0 0 11,249
SPDR SER TR PORTFOLI S&P1500 78464A805   358,454 6,829 SH   SOLE   0 0 6,829
T-MOBILE US INC COM 872590104   550,396 3,930 SH   SOLE   0 0 3,930
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   212,905 2,450 SH   SOLE   0 0 2,450
BOEING CO COM 097023105   1,051,556 5,486 SH   SOLE   0 0 5,486
PROCTER AND GAMBLE CO COM 742718109   782,101 5,362 SH   SOLE   0 0 5,362
UNITED PARCEL SERVICE INC CL B 911312106   1,974,561 12,668 SH   SOLE   0 0 12,668
UNITEDHEALTH GROUP INC COM 91324P102   209,239 415 SH   SOLE   0 0 415
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,468,779 103,426 SH   SOLE   0 0 103,426
VANGUARD INDEX FDS TOTAL STK MKT 922908769   510,209 2,402 SH   SOLE   0 0 2,402
VERIZON COMMUNICATIONS INC COM 92343V104   1,234,036 38,076 SH   SOLE   0 0 38,076
VISA INC COM CL A 92826C839   942,696 4,098 SH   SOLE   0 0 4,098
WELLTOWER INC COM 95040Q104   259,422 3,167 SH   SOLE   0 0 3,167