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
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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   487,390 4,428 SH   SOLE   0 0 4,428
ABBVIE INC COM 00287Y109   1,034,115 6,673 SH   SOLE   0 0 6,673
AGNICO EAGLE MINES LTD COM 008474108   1,253,487 22,853 SH   SOLE   0 0 22,853
ALAMOS GOLD INC NEW COM CL A 011532108   980,279 72,775 SH   SOLE   0 0 72,775
ALPHABET INC CAP STK CL A 02079K305   632,796 4,530 SH   SOLE   0 0 4,530
ALPHABET INC CAP STK CL C 02079K107   532,011 3,775 SH   SOLE   0 0 3,775
AMAZON COM INC COM 023135106   805,282 5,300 SH   SOLE   0 0 5,300
AMEREN CORP COM 023608102   286,177 3,956 SH   SOLE   0 0 3,956
AMERICAN TOWER CORP NEW COM 03027X100   568,844 2,635 SH   SOLE   0 0 2,635
APPLE INC COM 037833100   2,814,373 14,618 SH   SOLE   0 0 14,618
AUTOMATIC DATA PROCESSING IN COM 053015103   665,362 2,856 SH   SOLE   0 0 2,856
BANK AMERICA CORP COM 060505104   390,572 11,600 SH   SOLE   0 0 11,600
BARRICK GOLD CORP COM 067901108   211,653 11,700 SH   SOLE   0 0 11,700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   299,594 840 SH   SOLE   0 0 840
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107   341,158 9,670 SH   SOLE   0 0 9,670
CHEVRON CORP NEW COM 166764100   467,318 3,133 SH   SOLE   0 0 3,133
CMS ENERGY CORP COM 125896100   277,299 4,775 SH   SOLE   0 0 4,775
CROWN CASTLE INC COM 22822V101   537,246 4,664 SH   SOLE   0 0 4,664
DTE ENERGY CO COM 233331107   355,533 3,224 SH   SOLE   0 0 3,224
DUKE ENERGY CORP NEW COM NEW 26441C204   312,566 3,221 SH   SOLE   0 0 3,221
ECOLAB INC COM 278865100   396,700 2,000 SH   SOLE   0 0 2,000
EVGO INC CL A COM 30052F100   86,278 24,100 SH   SOLE   0 0 24,100
EXXON MOBIL CORP COM 30231G102   423,415 4,235 SH   SOLE   0 0 4,235
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,788,142 33,392 SH   SOLE   0 0 33,392
FORD MTR CO DEL COM 345370860   186,422 15,293 SH   SOLE   0 0 15,293
GLOBAL X FDS CYBRSCURTY ETF 37954Y384   2,016,880 68,812 SH   SOLE   0 0 68,812
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,010,224 58,335 SH   SOLE   0 0 58,335
HECLA MNG CO COM 422704106   135,882 28,250 SH   SOLE   0 0 28,250
HOME DEPOT INC COM 437076102   336,847 972 SH   SOLE   0 0 972
I-80 GOLD CORP COM 44955L106   35,200 20,000 SH   SOLE   0 0 20,000
INNOVATOR ETFS TR EQUITY DEF PROTN 45783Y541   620,187 24,160 SH   SOLE   0 0 24,160
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   843,846 25,280 SH   SOLE   0 0 25,280
INNOVATOR ETFS TR US EQUT BUFR AUG 45782C698   462,294 12,850 SH   SOLE   0 0 12,850
INNOVATOR ETFS TR US EQTY BUFR JAN 45782C409   525,005 12,850 SH   SOLE   0 0 12,850
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   709,391 19,340 SH   SOLE   0 0 19,340
INNOVATOR ETFS TR US EQTY BUFR JUN 45782C755   224,889 6,300 SH   SOLE   0 0 6,300
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C391   348,568 8,800 SH   SOLE   0 0 8,800
INNOVATOR ETFS TR US EQTY BUFR MAY 45782C326   456,135 13,470 SH   SOLE   0 0 13,470
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383   341,952 9,600 SH   SOLE   0 0 9,600
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   3,100,396 98,505 SH   SOLE   0 0 98,505
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   504,202 14,640 SH   SOLE   0 0 14,640
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508   625,111 16,786 SH   SOLE   0 0 16,786
INNOVATOR ETFS TR US EQTY PWR BF 45782C680   881,302 26,410 SH   SOLE   0 0 26,410
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   1,178,307 33,570 SH   SOLE   0 0 33,570
INNOVATOR ETFS TR US EQT PWR BUF 45782C870   3,658,894 111,927 SH   SOLE   0 0 111,927
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   1,908,282 54,895 SH   SOLE   0 0 54,895
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   390,096 10,800 SH   SOLE   0 0 10,800
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   894,884 5,671 SH   SOLE   0 0 5,671
ISHARES TR 0-5 YR TIPS ETF 46429B747   8,576,073 86,987 SH   SOLE   0 0 86,987
ISHARES TR 7-10 YR TRSY BD 464287440   6,604,643 68,520 SH   SOLE   0 0 68,520
ISHARES TR CORE S&P MCP ETF 464287507   1,763,783 6,364 SH   SOLE   0 0 6,364
ISHARES TR INTL SEL DIV ETF 464288448   2,847,815 101,744 SH   SOLE   0 0 101,744
ISHARES TR MSCI EMG MKT ETF 464287234   2,197,155 54,642 SH   SOLE   0 0 54,642
ISHARES TR RUS 1000 VAL ETF 464287598   4,343,266 26,283 SH   SOLE   0 0 26,283
ISHARES TR PFD AND INCM SEC 464288687   1,673,219 53,646 SH   SOLE   0 0 53,646
ISHARES TR 1 3 YR TREAS BD 464287457   853,052 10,398 SH   SOLE   0 0 10,398
ISHARES TR MBS ETF 464288588   3,211,609 34,137 SH   SOLE   0 0 34,137
ISHARES TR RUSSELL 2000 ETF 464287655   2,573,904 12,824 SH   SOLE   0 0 12,824
ISHARES TR MSCI USA QLT FCT 46432F339   251,904 1,712 SH   SOLE   0 0 1,712
JOHNSON & JOHNSON COM 478160104   1,050,315 6,701 SH   SOLE   0 0 6,701
JPMORGAN CHASE & CO COM 46625H100   1,918,083 11,276 SH   SOLE   0 0 11,276
KT CORP SPONSORED ADR 48268K101   253,344 18,850 SH   SOLE   0 0 18,850
VANECK ETF TRUST GOLD MINERS ETF 92189F106   2,187,705 70,186 SH   SOLE   0 0 70,186
MERCK & CO INC COM 58933Y105   238,100 2,184 SH   SOLE   0 0 2,184
MICROSOFT CORP COM 594918104   5,387,525 14,327 SH   SOLE   0 0 14,327
MONDELEZ INTL INC CL A 609207105   354,907 4,900 SH   SOLE   0 0 4,900
MORGAN STANLEY COM NEW 617446448   3,032,257 32,518 SH   SOLE   0 0 32,518
NEW GOLD INC CDA COM 644535106   492,531 337,350 SH   SOLE   0 0 337,350
NEWMONT CORP COM 651639106   249,168 6,020 SH   SOLE   0 0 6,020
NOKIA CORP SPONSORED ADR 654902204   225,847 66,037 SH   SOLE   0 0 66,037
ORACLE CORP COM 68389X105   368,583 3,496 SH   SOLE   0 0 3,496
PACER FDS TR US CASH COWS 100 69374H881   1,853,183 35,645 SH   SOLE   0 0 35,645
PAYCHEX INC COM 704326107   239,051 2,007 SH   SOLE   0 0 2,007
PEPSICO INC COM 713448108   1,750,201 10,305 SH   SOLE   0 0 10,305
PFIZER INC COM 717081103   208,497 7,242 SH   SOLE   0 0 7,242
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   214,532 3,525 SH   SOLE   0 0 3,525
INVESCO QQQ TR UNIT SER 1 46090E103   5,720,513 13,969 SH   SOLE   0 0 13,969
REPUBLIC SVCS INC COM 760759100   947,738 5,747 SH   SOLE   0 0 5,747
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   6,052,924 134,689 SH   SOLE   0 0 134,689
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,966,299 80,257 SH   SOLE   0 0 80,257
SCHWAB STRATEGIC TR US TIPS ETF 808524870   313,200 6,000 SH   SOLE   0 0 6,000
SOUTHERN CO COM 842587107   338,259 4,824 SH   SOLE   0 0 4,824
SPDR SER TR PORTFLI INTRMDIT 78464A672   279,231 9,777 SH   SOLE   0 0 9,777
SPDR SER TR PORTFOLIO SH TSR 78468R101   317,023 10,913 SH   SOLE   0 0 10,913
SPDR SER TR PORTFOLI S&P1500 78464A805   399,155 6,829 SH   SOLE   0 0 6,829
T-MOBILE US INC COM 872590104   630,097 3,930 SH   SOLE   0 0 3,930
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   254,800 2,450 SH   SOLE   0 0 2,450
BOEING CO COM 097023105   1,429,981 5,486 SH   SOLE   0 0 5,486
PROCTER AND GAMBLE CO COM 742718109   774,024 5,282 SH   SOLE   0 0 5,282
UNITED PARCEL SERVICE INC CL B 911312106   1,810,975 11,518 SH   SOLE   0 0 11,518
UNITEDHEALTH GROUP INC COM 91324P102   218,485 415 SH   SOLE   0 0 415
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   2,716,075 107,143 SH   SOLE   0 0 107,143
VANGUARD INDEX FDS TOTAL STK MKT 922908769   572,649 2,414 SH   SOLE   0 0 2,414
VERIZON COMMUNICATIONS INC COM 92343V104   1,286,542 34,126 SH   SOLE   0 0 34,126
VISA INC COM CL A 92826C839   1,095,943 4,210 SH   SOLE   0 0 4,210
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   100,050 11,500 SH   SOLE   0 0 11,500
WELLTOWER INC COM 95040Q104   285,548 3,167 SH   SOLE   0 0 3,167