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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
1 to 3 Year Treasury ETF SHT TM US TRES 808524862 19 400 SH   SOLE NONE 400 0 0
3M Company COM 88579Y101 24 220 SH   SOLE NONE 220 0 0
Accenture PLC SHS CLASS A G1151C101 31 120 SH   SOLE NONE 120 0 0
Agnico Eagle Mines Ltd. COM 008474108 760 17,986 SH   SOLE NONE 17,986 0 0
Alleghany Corp. COM 017175100 10 12 SH   SOLE NONE 12 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 57 595 SH   SOLE NONE 595 0 0
Amazon.com Inc. COM 023135106 20 174 SH   SOLE NONE 174 0 0
American Express Company COM 025816109 414 3,069 SH   SOLE NONE 3,069 0 0
Apple Inc. COM 037833100 16 119 SH   SOLE NONE 119 0 0
Arbitrage Fund MERGER ARBITRAGE 02210T108 51 1,915 SH   SOLE NONE 1,915 0 0
Bank Of New York Company COM 064058100 289 7,510 SH   SOLE NONE 7,510 0 0
Becton Dickinson & Co. COM 075887109 597 2,678 SH   SOLE NONE 2,678 0 0
Berkshire Hathaway Inc. CL B NEW 084670702 511 1,913 SH   SOLE NONE 1,913 0 0
Booking Holdings Inc. COM 09857L108 35 21 SH   SOLE NONE 21 0 0
Brookfield Asset Management Inc. CL A LTD VT SH 112585104 800 19,572 SH   SOLE NONE 19,572 0 0
Charles Schwab Corp. COM 808513105 59 815 SH   SOLE NONE 815 0 0
Cisco Systems, Inc. COM 17275R102 946 23,645 SH   SOLE NONE 23,645 0 0
CME Group Inc. COM 12572Q105 18 102 SH   SOLE NONE 102 0 0
Coca-Cola Company COM 191216100 962 17,037 SH   SOLE NONE 17,037 0 0
Cognizant Technology Solutions Corp. CL A 192446102 40 700 SH   SOLE NONE 700 0 0
Comcast Corp. CL A 20030N101 894 30,467 SH   SOLE NONE 30,467 0 0
ConocoPhillips COM 20825C104 709 6,833 SH   SOLE NONE 6,833 0 0
Corteva Inc Com COM 22052L104 6 100 SH   SOLE NONE 100 0 0
CVS Health Corp. COM 126650100 1,032 10,820 SH   SOLE NONE 10,820 0 0
Digital Realty Trust Inc. COM 253868103 33 328 SH   SOLE NONE 328 0 0
Direxion Daily Gold DLY GOLD INDX 2X 25460G781 0 5 SH   SOLE NONE 5 0 0
Dominion Energy Inc. COM 25746U109 897 12,983 SH   SOLE NONE 12,983 0 0
Duke Energy Corporation COM NEW 26441C204 893 9,604 SH   SOLE NONE 9,604 0 0
Emerson Electric Co. COM 291011104 784 10,712 SH   SOLE NONE 10,712 0 0
Enbridge Inc. COM 29250N105 1,014 27,195 SH   SOLE NONE 27,195 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 83 1,821 SH   SOLE NONE 1,821 0 0
Fox Corporation CL A COM 35137L105 395 12,889 SH   SOLE NONE 12,889 0 0
General Mills Inc COM 370334104 575 7,505 SH   SOLE NONE 7,505 0 0
Graham Hldgs Co Com Cl B COM CL B 384637104 5 10 SH   SOLE NONE 10 0 0
Honeywell International Inc. COM 438516106 31 184 SH   SOLE NONE 184 0 0
Intel Corporation COM 458140100 33 1,291 SH   SOLE NONE 1,291 0 0
iShares Conservative Allocation Fund CONSER ALLOC ETF 464289883 12 373 SH   SOLE NONE 373 0 0
iShares Gold Trust ISHARES NEW 464285204 180 5,693 SH   SOLE NONE 5,693 0 0
iShares Growth Allocation Fund AGGRES ALLOC ETF 464289859 11 197 SH   SOLE NONE 197 0 0
iShares Moderate Allocation Fund MODERT ALLOC ETF 464289875 15 402 SH   SOLE NONE 402 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 1,023 6,265 SH   SOLE NONE 6,265 0 0
Jones Lang Lasalle Inc Com COM 48020Q107 3 18 SH   SOLE NONE 18 0 0
Linde PLC SHS G5494J103 34 127 SH   SOLE NONE 127 0 0
Lockheed Martin Corp. COM 539830109 1,012 2,620 SH   SOLE NONE 2,620 0 0
Loews Corporation COM 540424108 15 295 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 759 3,291 SH   SOLE NONE 3,291 0 0
Medtronic PLC SHS G5960L103 801 9,836 SH   SOLE NONE 9,836 0 0
Merck & Co. Inc. COM 58933Y105 730 8,405 SH   SOLE NONE 8,405 0 0
Microsoft Corporation COM 594918104 1,065 4,573 SH   SOLE NONE 4,573 0 0
Nike Inc. CL B 654106103 15 176 SH   SOLE NONE 176 0 0
Nutrien Ltd. COM 67077M108 505 5,990 SH   SOLE NONE 5,990 0 0
Omnicom Group Inc. COM 681919106 553 8,665 SH   SOLE NONE 8,665 0 0
O'Shares Global Internet OSHS GBL INTER 67110P704 0 11 SH   SOLE NONE 11 0 0
PACCAR Inc. COM 693718108 29 350 SH   SOLE NONE 350 0 0
PepsiCo Inc. COM 713448108 1,062 6,504 SH   SOLE NONE 6,504 0 0
Pfizer Inc. COM 717081103 986 22,540 SH   SOLE NONE 22,540 0 0
Physical Swiss Gold ETF PHYSCL GOLD SHS 00326A104 526 33,050 SH   SOLE NONE 33,050 0 0
PIMCO Active Low Duration ENHNCD LW DUR AC 72201R718 309 3,260 SH   SOLE NONE 3,260 0 0
PIMCO Short Maturity Fund ENHAN SHRT MA AC 72201R833 2,259 22,847 SH   SOLE NONE 22,847 0 0
PIMCO Short-Term Municipal SHTRM MUN BD ACT 72201R874 21 425 SH   SOLE NONE 425 0 0
Procter & Gamble Company COM 742718109 654 5,178 SH   SOLE NONE 5,178 0 0
Proshares Ultrapro Qqq ULTRAPRO QQQ 74347X831 1 28 SH   SOLE NONE 28 0 0
Raytheon Technologies Company COM 75513E101 686 8,379 SH   SOLE NONE 8,379 0 0
Royal Gold, Inc. COM 780287108 461 4,910 SH   SOLE NONE 4,910 0 0
Schwab Fundamental International ETF SCHWB FDT INT LG 808524755 66 2,614 SH   SOLE NONE 2,614 0 0
Schwab US Broad Market ETF SCHWAB FDT US BM 808524789 215 4,565 SH   SOLE NONE 4,565 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 10 65 SH   SOLE NONE 65 0 0
U.S. Bancorp COM NEW 902973304 895 21,941 SH   SOLE NONE 21,941 0 0
United Parcel Service Inc. CL B 911312106 3 20 SH   SOLE NONE 20 0 0
UnitedHealth Group Inc. COM 91324P102 44 88 SH   SOLE NONE 88 0 0
Vaneck Vectors Mortgage MORTGAGE REIT 92189F452 0 18 SH   SOLE NONE 18 0 0
Vanguard Bond Index TOTAL BND MRKT 921937835 664 9,311 SH   SOLE NONE 9,311 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 103 759 SH   SOLE NONE 759 0 0
Vanguard Emerging Markets FTSE EMR MKT ETF 922042858 252 6,897 SH   SOLE NONE 6,897 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 421 11,589 SH   SOLE NONE 11,589 0 0
Vanguard Growth ETF GROWTH ETF 922908736 227 1,061 SH   SOLE NONE 1,061 0 0
Vanguard High Dividend Yield Fund HIGH DIV YLD 921946406 57 605 SH   SOLE NONE 605 0 0
Vanguard Intermediate-Term Bond INTERMED TERM 921937819 675 9,184 SH   SOLE NONE 9,184 0 0
Vanguard International Bond TOTAL INT BD ETF 92203J407 766 16,045 SH   SOLE NONE 16,045 0 0
Vanguard International High Dividend INTL HIGH ETF 921946794 75 1,444 SH   SOLE NONE 1,444 0 0
Vanguard International Stock VG TL INTL STK F 921909768 264 5,760 SH   SOLE NONE 5,760 0 0
Vanguard Mortgage-Backed Secs MTG-BKD SECS ETF 92206C771 1,417 31,422 SH   SOLE NONE 31,422 0 0
Vanguard Quality Factor US QUALITY 921935706 6 58 SH   SOLE NONE 58 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 3,985 53,262 SH   SOLE NONE 53,262 0 0
Vanguard Short-Term Corp. Bond SHRT TRM CORP BD 92206C409 1,645 22,149 SH   SOLE NONE 22,149 0 0
Vanguard Short-Term Infl-Prot Secs STRM INFPROIDX 922020805 2,441 50,737 SH   SOLE NONE 50,737 0 0
Vanguard Small-Cap Equity ETF SMALL CP ETF 922908751 90 526 SH   SOLE NONE 526 0 0
Vanguard Stock Market TOTAL STK MKT 922908769 163 907 SH   SOLE NONE 907 0 0
Vanguard Total World Bond Market TOTAL WLD BD ETF 92206C565 212 3,165 SH   SOLE NONE 3,165 0 0
Vanguard Total World Stock Market TT WRLD ST ETF 922042742 23 296 SH   SOLE NONE 296 0 0
Vanguard U.S. Multifactor US MULTIFACTOR 921935607 18 200 SH   SOLE NONE 200 0 0
Vanguard Ultra-Short Bond VANGUARD ULTRA 92203C303 221 4,509 SH   SOLE NONE 4,509 0 0
Vanguard Value ETF VALUE ETF 922908744 627 5,081 SH   SOLE NONE 5,081 0 0
Verizon Communications Inc. COM 92343V104 818 21,548 SH   SOLE NONE 21,548 0 0
Visa Inc. COM CL A 92826C839 25 138 SH   SOLE NONE 138 0 0
W.R. Berkley Corporation COM 084423102 792 12,238 SH   SOLE NONE 12,238 0 0
Walmart Inc. COM 931142103 769 5,932 SH   SOLE NONE 5,932 0 0
Waste Management Inc. COM 94106L109 712 4,444 SH   SOLE NONE 4,444 0 0
Williams Companies COM 969457100 303 10,570 SH   SOLE NONE 10,570 0 0