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
3M Company COM 88579Y101 62 350 SH   SOLE NONE 350 0 0
Accenture PLC SHS CLASS A G1151C101 78 187 SH   SOLE NONE 187 0 0
Agnico Eagle Mines Ltd COM 008474108 3,008 56,610 SH   SOLE NONE 56,610 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 98 34 SH   SOLE NONE 34 0 0
Amazon.com Inc. COM 023135106 53 16 SH   SOLE NONE 16 0 0
American Express Company COM 025816109 2,239 13,684 SH   SOLE NONE 13,684 0 0
Apple Inc. COM 037833100 57 324 SH   SOLE NONE 324 0 0
Becton Dickinson & Co. COM 075887109 2,851 11,335 SH   SOLE NONE 11,335 0 0
Berkshire Hathaway Inc. CL B NEW 084670702 662 2,214 SH   SOLE NONE 2,214 0 0
Booking Holdings Inc. COM 09857L108 58 24 SH   SOLE NONE 24 0 0
Brookfield Asset Management Inc. CL A LTD VT SH 112585104 3,811 63,123 SH   SOLE NONE 63,123 0 0
Charles Schwab Corp. COM 808513105 68 810 SH   SOLE NONE 810 0 0
Cisco Systems, Inc. COM 17275R102 149 2,350 SH   SOLE NONE 2,350 0 0
CME Group Inc. COM 12572Q105 42 180 SH   SOLE NONE 180 0 0
Coca-Cola Company COM 191216100 3,576 60,394 SH   SOLE NONE 60,394 0 0
Cognizant Technology Solutions Corp. CL A 192446102 83 935 SH   SOLE NONE 935 0 0
Comcast Corp. CL A 20030N101 3,649 72,496 SH   SOLE NONE 72,496 0 0
ConocoPhillips COM 20825C104 3,199 44,290 SH   SOLE NONE 44,290 0 0
CVS Health Corp. COM 126650100 4,211 40,820 SH   SOLE NONE 40,820 0 0
Digital Realty Trust Inc. COM 253868103 81 455 SH   SOLE NONE 455 0 0
Direxion Daily Gold DLY GOLD INDX 2X 25460G781 0 5 SH   SOLE NONE 5 0 0
Dollar General Corp. COM 256677105 96 405 SH   SOLE NONE 405 0 0
Dominion Energy Inc. COM 25746U109 3,619 46,073 SH   SOLE NONE 46,073 0 0
Duke Energy Corporation COM NEW 26441C204 3,543 33,771 SH   SOLE NONE 33,771 0 0
Emerson Electric Co. COM 291011104 2,949 31,724 SH   SOLE NONE 31,724 0 0
Enbridge Inc. COM 29250N105 3,641 93,062 SH   SOLE NONE 93,062 0 0
First Tr Lrg Cp Grw COM SHS 33735K108 1 11 SH   SOLE NONE 11 0 0
Fox Corporation CL A COM 35137L105 2,137 57,906 SH   SOLE NONE 57,906 0 0
General Mills Inc COM 370334104 2,344 34,790 SH   SOLE NONE 34,790 0 0
Honeywell International Inc. COM 438516106 34 161 SH   SOLE NONE 161 0 0
Huntsman Corporation COM 447011107 2,235 64,070 SH   SOLE NONE 64,070 0 0
Idacorp Inc. COM 451107106 295 2,603 SH   SOLE NONE 2,603 0 0
Intel Corporation COM 458140100 85 1,646 SH   SOLE NONE 1,646 0 0
Invesco New York Municipal NY AMT FRE MUN 46138E529 45 1,730 SH   SOLE NONE 1,730 0 0
iShares Conservative Allocation Fund CONSER ALLOC ETF 464289883 29 727 SH   SOLE NONE 727 0 0
iShares Gold Trust ISHARES NEW 464285204 352 10,107 SH   SOLE NONE 10,107 0 0
iShares Growth Allocation Fund AGGRES ALLOC ETF 464289859 25 350 SH   SOLE NONE 350 0 0
iShares Moderate Allocation Fund MODERT ALLOC ETF 464289875 43 941 SH   SOLE NONE 941 0 0
iShares NY Municipal Bonds NEW YORK MUN ETF 464288323 58 1,006 SH   SOLE NONE 1,006 0 0
iShares Short Maturity Municpal BLACKROCK SHORT 46431W838 40 807 SH   SOLE NONE 807 0 0
Ishares Tr S&P Midcap 400 Index Fd CORE S&P MCP ETF 464287507 1 5 SH   SOLE NONE 5 0 0
Johnson & Johnson COM 478160104 3,336 19,503 SH   SOLE NONE 19,503 0 0
Linde PLC SHS G5494J103 75 217 SH   SOLE NONE 217 0 0
Lockheed Martin Corp. COM 539830109 3,343 9,405 SH   SOLE NONE 9,405 0 0
Market Vectors Wide Moat ETF MRNGSTR WDE MOAT 92189F643 1 18 SH   SOLE NONE 18 0 0
McDonald's Corporation COM 580135101 2,838 10,588 SH   SOLE NONE 10,588 0 0
Medtronic PLC SHS G5960L103 3,167 30,431 SH   SOLE NONE 30,431 0 0
Microsoft Corporation COM 594918104 3,491 10,381 SH   SOLE NONE 10,381 0 0
Nike Inc. CL B 654106103 50 301 SH   SOLE NONE 301 0 0
Nutrien Ltd. COM 67077M108 3,240 42,780 SH   SOLE NONE 42,780 0 0
Nuveen NY Muni Value Fund COM 67062M105 89 9,025 SH   SOLE NONE 9,025 0 0
Nuveen NY Quality Municipal COM 67066X107 13 902 SH   SOLE NONE 902 0 0
Omnicom Group Inc. COM 681919106 3,195 43,200 SH   SOLE NONE 43,200 0 0
O'Shares Global Internet OSHS GBL INTER 67110P704 1 11 SH   SOLE NONE 11 0 0
PACCAR Inc. COM 693718108 54 605 SH   SOLE NONE 605 0 0
PepsiCo Inc. COM 713448108 3,825 21,889 SH   SOLE NONE 21,889 0 0
Pfizer Inc. COM 717081103 4,554 77,127 SH   SOLE NONE 77,127 0 0
Physical Swiss Gold ETF PHYSCL GOLD SHS 00326A104 806 45,897 SH   SOLE NONE 45,897 0 0
PIMCO Short Maturity Fund ENHAN SHRT MA AC 72201R833 12,838 126,361 SH   SOLE NONE 126,361 0 0
PIMCO Short-Term Municipal SHTRM MUN BD ACT 72201R874 44 860 SH   SOLE NONE 860 0 0
Procter & Gamble Company COM 742718109 2,911 17,797 SH   SOLE NONE 17,797 0 0
Proshares Ultrapro Qqq ULTRAPRO QQQ 74347X831 2 14 SH   SOLE NONE 14 0 0
Raytheon Technologies Company COM 75513E101 2,343 27,228 SH   SOLE NONE 27,228 0 0
Royal Gold, Inc. COM 780287108 2,345 22,285 SH   SOLE NONE 22,285 0 0
S&P 500 Dividend Aristocrats S&P 500 DV ARIST 74348A467 6 60 SH   SOLE NONE 60 0 0
Schwab Large-Cap Growth US LCAP GR ETF 808524300 9 55 SH   SOLE NONE 55 0 0
Schwab US Broad Market ETF SCHWAB FDT US BM 808524789 394 6,784 SH   SOLE NONE 6,784 0 0
Sony Corporation SPONSORED ADR 835699307 79 625 SH   SOLE NONE 625 0 0
SPDR Blmbg Barclays 1-3 Mth T-Bill BLOOMBERG 1-3 MO 78468R663 50 546 SH   SOLE NONE 546 0 0
Spdr S&P 600 Small Cap S&P 600 SML CAP 78464A813 1 13 SH   SOLE NONE 13 0 0
U.S. Bancorp COM NEW 902973304 3,310 58,448 SH   SOLE NONE 58,448 0 0
Unilever PLC SPON ADR NEW 904767704 1,719 31,964 SH   SOLE NONE 31,964 0 0
United Parcel Service Inc. CL B 911312106 4 20 SH   SOLE NONE 20 0 0
UnitedHealth Group Inc. COM 91324P102 83 166 SH   SOLE NONE 166 0 0
Vaneck Vectors Mortgage MORTGAGE REIT 92189F452 0 17 SH   SOLE NONE 17 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 133 775 SH   SOLE NONE 775 0 0
Vanguard Emerging Markets FTSE EMR MKT ETF 922042858 285 5,771 SH   SOLE NONE 5,771 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 807 15,812 SH   SOLE NONE 15,812 0 0
Vanguard Growth ETF GROWTH ETF 922908736 528 1,645 SH   SOLE NONE 1,645 0 0
Vanguard Intermediate-Term Bond INTERMED TERM 921937819 777 8,868 SH   SOLE NONE 8,868 0 0
Vanguard International Bond TOTAL INT BD ETF 92203J407 1,036 18,778 SH   SOLE NONE 18,778 0 0
Vanguard International Stock VG TL INTL STK F 921909768 431 6,783 SH   SOLE NONE 6,783 0 0
Vanguard Mortgage-Backed Secs MTG-BKD SECS ETF 92206C771 1,884 35,661 SH   SOLE NONE 35,661 0 0
Vanguard Quality Factor US QUALITY 921935706 7 58 SH   SOLE NONE 58 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 4,335 53,635 SH   SOLE NONE 53,635 0 0
Vanguard Short-Term Corp. Bond SHRT TRM CORP BD 92206C409 1,176 14,472 SH   SOLE NONE 14,472 0 0
Vanguard Short-Term Infl-Prot Secs STRM INFPROIDX 922020805 2,719 52,907 SH   SOLE NONE 52,907 0 0
Vanguard Small-Cap Equity ETF SMALL CP ETF 922908751 205 908 SH   SOLE NONE 908 0 0
Vanguard Stock Market TOTAL STK MKT 922908769 52 215 SH   SOLE NONE 215 0 0
Vanguard Total World Bond Market TOTAL WLD BD ETF 92206C565 848 10,814 SH   SOLE NONE 10,814 0 0
Vanguard U.S. Multifactor US MULTIFACTOR 921935607 51 480 SH   SOLE NONE 480 0 0
Vanguard Ultra-Short Bond VANGUARD ULTRA 92203C303 35 695 SH   SOLE NONE 695 0 0
Vanguard Value ETF VALUE ETF 922908744 990 6,726 SH   SOLE NONE 6,726 0 0
Verizon Communications Inc. COM 92343V104 3,399 65,417 SH   SOLE NONE 65,417 0 0
Visa Inc. COM CL A 92826C839 49 228 SH   SOLE NONE 228 0 0
W.R. Berkley Corporation COM 084423102 2,424 29,423 SH   SOLE NONE 29,423 0 0
Walmart Inc. COM 931142103 2,734 18,828 SH   SOLE NONE 18,828 0 0
Waste Management Inc. COM 94106L109 2,283 13,681 SH   SOLE NONE 13,681 0 0
Williams Companies COM 969457100 369 14,165 SH   SOLE NONE 14,165 0 0