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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 23 180 SH   SOLE NONE 180 0 0
Accenture PLC SHS CLASS A G1151C101 27 97 SH   SOLE NONE 97 0 0
Agnico Eagle Mines Ltd. COM 008474108 668 14,601 SH   SOLE NONE 14,601 0 0
Alleghany Corp. COM 017175100 10 12 SH   SOLE NONE 12 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 52 24 SH   SOLE NONE 24 0 0
Amazon.com Inc. COM 023135106 19 175 SH   SOLE NONE 175 0 0
American Express Company COM 025816109 484 3,492 SH   SOLE NONE 3,492 0 0
Apple Inc. COM 037833100 20 149 SH   SOLE NONE 149 0 0
Arbitrage Fund MERGER ARBITRAGE 02210T108 40 1,545 SH   SOLE NONE 1,545 0 0
Bank Of New York Company COM 064058100 303 7,270 SH   SOLE NONE 7,270 0 0
Becton Dickinson & Co. COM 075887109 748 3,035 SH   SOLE NONE 3,035 0 0
Berkshire Hathaway Inc. CL B NEW 084670702 496 1,818 SH   SOLE NONE 1,818 0 0
Booking Holdings Inc. COM 09857L108 24 14 SH   SOLE NONE 14 0 0
Brookfield Asset Management Inc. CL A LTD VT SH 112585104 938 21,085 SH   SOLE NONE 21,085 0 0
Charles Schwab Corp. COM 808513105 34 535 SH   SOLE NONE 535 0 0
Cisco Systems, Inc. COM 17275R102 1,055 24,750 SH   SOLE NONE 24,750 0 0
CME Group Inc. COM 12572Q105 16 80 SH   SOLE NONE 80 0 0
Coca-Cola Company COM 191216100 1,202 18,983 SH   SOLE NONE 18,983 0 0
Cognizant Technology Solutions Corp. CL A 192446102 39 575 SH   SOLE NONE 575 0 0
Comcast Corp. CL A 20030N101 1,038 26,451 SH   SOLE NONE 26,451 0 0
ConocoPhillips COM 20825C104 692 7,650 SH   SOLE NONE 7,650 0 0
Corteva Inc Com COM 22052L104 5 100 SH   SOLE NONE 100 0 0
CVS Health Corp. COM 126650100 1,109 11,965 SH   SOLE NONE 11,965 0 0
Digital Realty Trust Inc. COM 253868103 29 225 SH   SOLE NONE 225 0 0
Direxion Daily Gold DLY GOLD INDX 2X 25460G781 0 5 SH   SOLE NONE 5 0 0
Dominion Energy Inc. COM 25746U109 1,140 14,282 SH   SOLE NONE 14,282 0 0
Duke Energy Corporation COM NEW 26441C204 1,135 10,590 SH   SOLE NONE 10,590 0 0
Emerson Electric Co. COM 291011104 931 11,710 SH   SOLE NONE 11,710 0 0
Enbridge Inc. COM 29250N105 1,254 29,757 SH   SOLE NONE 29,757 0 0
Eog Res Inc Com COM 26875P101 7 65 SH   SOLE NONE 65 0 0
First Tr Lrg Cp Grw COM SHS 33735K108 1 11 SH   SOLE NONE 11 0 0
FlexShares Global Infrastructure STOXX GLOBR INF 33939L795 43 823 SH   SOLE NONE 823 0 0
Fox Corporation CL A COM 35137L105 471 14,632 SH   SOLE NONE 14,632 0 0
General Mills Inc COM 370334104 664 8,800 SH   SOLE NONE 8,800 0 0
Graham Hldgs Co Com Cl B COM CL B 384637104 6 10 SH   SOLE NONE 10 0 0
Honeywell International Inc. COM 438516106 23 132 SH   SOLE NONE 132 0 0
Intel Corporation COM 458140100 39 1,031 SH   SOLE NONE 1,031 0 0
iShares Conservative Allocation Fund CONSER ALLOC ETF 464289883 16 453 SH   SOLE NONE 453 0 0
iShares Gold Trust ISHARES NEW 464285204 110 3,196 SH   SOLE NONE 3,196 0 0
iShares Growth Allocation Fund AGGRES ALLOC ETF 464289859 21 350 SH   SOLE NONE 350 0 0
iShares Moderate Allocation Fund MODERT ALLOC ETF 464289875 37 939 SH   SOLE NONE 939 0 0
iShares Short Maturity Municpal BLACKROCK SHORT 46431W838 3 57 SH   SOLE NONE 57 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 1,187 6,688 SH   SOLE NONE 6,688 0 0
Jones Lang Lasalle Inc Com COM 48020Q107 3 18 SH   SOLE NONE 18 0 0
Linde PLC SHS G5494J103 31 107 SH   SOLE NONE 107 0 0
Lockheed Martin Corp. COM 539830109 1,283 2,983 SH   SOLE NONE 2,983 0 0
Loews Corporation COM 540424108 17 295 SH   SOLE NONE 295 0 0
Market Vectors Wide Moat ETF MRNGSTR WDE MOAT 92189F643 1 18 SH   SOLE NONE 18 0 0
McDonald's Corporation COM 580135101 879 3,560 SH   SOLE NONE 3,560 0 0
Medtronic PLC SHS G5960L103 914 10,105 SH   SOLE NONE 10,105 0 0
Merck & Co. Inc. COM 58933Y105 887 9,655 SH   SOLE NONE 9,655 0 0
Microsoft Corporation COM 594918104 1,243 4,841 SH   SOLE NONE 4,841 0 0
Nike Inc. CL B 654106103 16 156 SH   SOLE NONE 156 0 0
Nutrien Ltd. COM 67077M108 545 6,820 SH   SOLE NONE 6,820 0 0
Omnicom Group Inc. COM 681919106 651 10,085 SH   SOLE NONE 10,085 0 0
O'Shares Global Internet OSHS GBL INTER 67110P704 0 11 SH   SOLE NONE 11 0 0
PACCAR Inc. COM 693718108 25 300 SH   SOLE NONE 300 0 0
PepsiCo Inc. COM 713448108 1,160 6,961 SH   SOLE NONE 6,961 0 0
Pfizer Inc. COM 717081103 1,289 24,580 SH   SOLE NONE 24,580 0 0
Physical Swiss Gold ETF PHYSCL GOLD SHS 00326A104 629 36,319 SH   SOLE NONE 36,319 0 0
PIMCO Active Low Duration ENHNCD LW DUR AC 72201R718 194 2,025 SH   SOLE NONE 2,025 0 0
PIMCO Short Maturity Fund ENHAN SHRT MA AC 72201R833 2,501 25,240 SH   SOLE NONE 25,240 0 0
PIMCO Short-Term Municipal SHTRM MUN BD ACT 72201R874 14 275 SH   SOLE NONE 275 0 0
Procter & Gamble Company COM 742718109 817 5,683 SH   SOLE NONE 5,683 0 0
Proshares Ultrapro Qqq ULTRAPRO QQQ 74347X831 1 28 SH   SOLE NONE 28 0 0
Raytheon Technologies Company COM 75513E101 860 8,948 SH   SOLE NONE 8,948 0 0
Royal Gold, Inc. COM 780287108 596 5,580 SH   SOLE NONE 5,580 0 0
Schwab Fundamental International ETF SCHWB FDT INT LG 808524755 44 1,539 SH   SOLE NONE 1,539 0 0
Schwab US Broad Market ETF SCHWAB FDT US BM 808524789 327 6,514 SH   SOLE NONE 6,514 0 0
Sony Corporation SPONSORED ADR 835699307 23 280 SH   SOLE NONE 280 0 0
Spdr S&P 600 Small Cap S&P 600 SML CAP 78464A813 1 13 SH   SOLE NONE 13 0 0
Travelers Companies Inc. COM 89417E109 11 65 SH   SOLE NONE 65 0 0
U.S. Bancorp COM NEW 902973304 1,064 22,890 SH   SOLE NONE 22,890 0 0
United Parcel Service Inc. CL B 911312106 4 20 SH   SOLE NONE 20 0 0
UnitedHealth Group Inc. COM 91324P102 39 76 SH   SOLE NONE 76 0 0
Vaneck Vectors Mortgage MORTGAGE REIT 92189F452 0 18 SH   SOLE NONE 18 0 0
Vanguard Bond Index TOTAL BND MRKT 921937835 811 10,775 SH   SOLE NONE 10,775 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 62 429 SH   SOLE NONE 429 0 0
Vanguard Emerging Markets FTSE EMR MKT ETF 922042858 100 2,393 SH   SOLE NONE 2,393 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 254 6,223 SH   SOLE NONE 6,223 0 0
Vanguard Growth ETF GROWTH ETF 922908736 107 482 SH   SOLE NONE 482 0 0
Vanguard High Dividend Yield Fund HIGH DIV YLD 921946406 48 470 SH   SOLE NONE 470 0 0
Vanguard Intermediate-Term Bond INTERMED TERM 921937819 614 7,901 SH   SOLE NONE 7,901 0 0
Vanguard International Bond TOTAL INT BD ETF 92203J407 1,151 23,227 SH   SOLE NONE 23,227 0 0
Vanguard International High Dividend INTL HIGH ETF 921946794 56 959 SH   SOLE NONE 959 0 0
Vanguard International Stock VG TL INTL STK F 921909768 335 6,488 SH   SOLE NONE 6,488 0 0
Vanguard Mortgage-Backed Secs MTG-BKD SECS ETF 92206C771 1,361 28,467 SH   SOLE NONE 28,467 0 0
Vanguard Quality Factor US QUALITY 921935706 6 58 SH   SOLE NONE 58 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 3,531 45,984 SH   SOLE NONE 45,984 0 0
Vanguard Short-Term Corp. Bond SHRT TRM CORP BD 92206C409 1,393 18,271 SH   SOLE NONE 18,271 0 0
Vanguard Short-Term Infl-Prot Secs STRM INFPROIDX 922020805 2,357 47,024 SH   SOLE NONE 47,024 0 0
Vanguard Small-Cap Equity ETF SMALL CP ETF 922908751 50 285 SH   SOLE NONE 285 0 0
Vanguard Stock Market TOTAL STK MKT 922908769 165 877 SH   SOLE NONE 877 0 0
Vanguard Total World Bond Market TOTAL WLD BD ETF 92206C565 207 2,958 SH   SOLE NONE 2,958 0 0
Vanguard Total World Stock Market TT WRLD ST ETF 922042742 40 465 SH   SOLE NONE 465 0 0
Vanguard U.S. Multifactor US MULTIFACTOR 921935607 41 451 SH   SOLE NONE 451 0 0
Vanguard Ultra-Short Bond VANGUARD ULTRA 92203C303 150 3,054 SH   SOLE NONE 3,054 0 0
Vanguard Value ETF VALUE ETF 922908744 374 2,836 SH   SOLE NONE 2,836 0 0
Verizon Communications Inc. COM 92343V104 1,166 22,982 SH   SOLE NONE 22,982 0 0
Visa Inc. COM CL A 92826C839 23 118 SH   SOLE NONE 118 0 0
W.R. Berkley Corporation COM 084423102 942 13,690 SH   SOLE NONE 13,690 0 0
Walmart Inc. COM 931142103 784 6,452 SH   SOLE NONE 6,452 0 0
Waste Management Inc. COM 94106L109 731 4,781 SH   SOLE NONE 4,781 0 0
Williams Companies COM 969457100 379 12,150 SH   SOLE NONE 12,150 0 0