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
Adobe Inc Rg COM 00724F101 20 57 SH   SOLE   57 0 0
Alphabet Inc C Rg CAP STK CL C 02079K107 2,303 1,053 SH   SOLE   1,053 0 0
Amazon.com Inc Rg COM 023135106 21 200 SH   SOLE   200 0 0
Bristol-Myers Squibb Co. COM 110122108 523 6,800 SH   SOLE   6,800 0 0
Costco Wholesale Corp Rg COM 22160K105 2,387 4,981 SH   SOLE   4,981 0 0
3M CO COM 88579Y101 430 3,325 SH   SOLE   3,325 0 0
Energy Select Sector SPDR Fund ETF dist. (USD) ENERGY 81369Y506 1,870 26,157 SH   SOLE   26,157 0 0
First Trust Exchange-Traded AlphaDEX Fund II ETF dist. (USD) GERMANY ALPHA 33737J190 382 11,350 SH   SOLE   11,350 0 0
IBM Corp Rg COM 459200101 1,474 10,445 SH   SOLE   10,445 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,254 24,249 SH   SOLE   24,249 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 2,832 120,821 SH   SOLE   120,821 0 0
iShares Asia 50 ETF dist. (USD) ASIA 50 ETF 464288430 395 6,300 SH   SOLE   6,300 0 0
iShares Biotechnology Index Fund ETF dist. (USD) ISHARES BIOTECH 464287556 835 7,100 SH   SOLE   7,100 0 0
iShares Dow Jones U.S. Medical Devices Index Fu nd ETF dist. (USD) U.S. MED DVC ETF 464288810 907 18,000 SH   SOLE   18,000 0 0
iShares Edge MSCI Min Vol USA ETF dist. (USD) MSCI USA MIN VOL 46429B697 821 11,700 SH   SOLE   11,700 0 0
iShares MSCI All Country Asia ex Japan ETF dist. (USD) / AAXJ MSCI AC ASIA ETF 464288182 438 6,340 SH   SOLE   6,340 0 0
iShares MSCI Switzerland Capped ETF dist. (USD) MSCI SWITZERLAND 464286749 941 22,672 SH   SOLE   22,672 0 0
IShares TR CORE US AGGBD ET 464287226 37 366 SH   SOLE   366 0 0
IShares TR ISHS 1-5YR INVS 464288646 3,140 62,133 SH   SOLE   62,133 0 0
Kraneshares TR QUADRTC INT RT 500767736 19,354 763,800 SH   SOLE   763,800 0 0
Kyndryl Holdings Inc. COM 50155Q100 14 1,478 SH   SOLE   1,478 0 0
Litman Gregory FDS TR IMGP DBI MANAGED 53700T827 226 7,000 SH   SOLE   7,000 0 0
Microsoft Corp Rg COM 594918104 119 465 SH   SOLE   465 0 0
Nokia Corp Rg spons. ADR SPONSORED ADR 654902204 1,005 218,009 SH   SOLE   218,009 0 0
NVIDIA Corp Rg COM 67066G104 18 120 SH   SOLE   120 0 0
Paypal Holdings Inc COM 70450Y103 387 5,550 SH   SOLE   5,550 0 0
Regeneron Pharmaceuticals COM 75886F107 33 57 SH   SOLE   57 0 0
SPDR FactSet Innovative Technology ETF dist. (USD) FACTST INV ETF 78464A110 559 5,200 SH   SOLE   5,200 0 0
SPDR Gold Shares ETF dist. (USD) / GLD GOLD SHS 78463V107 4,513 26,792 SH   SOLE   26,792 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 831 19,716 SH   SOLE   19,716 0 0
SSGA SPDR S&P 500 ETF Trust dist. (USD) / SPY TR UNIT 78462F103 2,600 6,892 SH   SOLE   6,892 0 0
Target COM 87612E106 370 2,626 SH   SOLE   2,626 0 0
Twitter Inc COM 90184L102 1,092 29,208 SH   SOLE   29,208 0 0
Vanguard FTSE Developed Markets ETF dist. (USD) FTSE DEV MKT ETF 921943858 5,239 128,425 SH   SOLE   128,425 0 0
Vanguard FTSE Europe ETF dist. (USD) FTSE EUROPE ETF 922042874 1,977 37,432 SH   SOLE   37,432 0 0
Vanguard S&P 500 ETF dist. (USD) S&P 500 ETF SHS 922908363 271 782 SH   SOLE   782 0 0
Vanguard Total World Stock ETF dist. (USD) / VT TT WRLD ST ETF 922042742 17,399 203,882 SH   SOLE   203,882 0 0
Vanguard Whitehall FDS EMERG MKT BD ETF 921946885 445 7,272 SH   SOLE   7,272 0 0
Walmart Inc Rg COM 931142103 4,976 40,931 SH   SOLE   40,931 0 0