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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB LTD SPONSORED ADR 000375204   322,763 9,410 SH   SOLE   9,410 0 0
ABBOTT LABS COM 002824100   958,730 9,468 SH   SOLE   9,468 0 0
ABBVIE INC COM 00287Y109   1,825,743 11,456 SH   SOLE   11,456 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   305,856 793 SH   SOLE   793 0 0
ADVANCED MICRO DEVICES INC COM 007903107   257,570 2,628 SH   SOLE   2,628 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   213,459 1,543 SH   SOLE   1,543 0 0
AIR PRODS & CHEMS INC COM 009158106   483,633 1,683 SH   SOLE   1,683 0 0
ALBEMARLE CORP COM 012653101   686,329 3,105 SH   SOLE   3,105 0 0
ALPS ETF TR ALERIAN MLP 00162Q452   533,370 13,800 SH   SOLE   13,800 0 0
ALLSTATE CORP COM 020002101   1,164,502 10,509 SH   SOLE   10,509 0 0
ALPHABET INC CAP STK CL A 02079K305   2,439,211 23,515 SH   SOLE   23,515 0 0
ALPHABET INC CAP STK CL C 02079K107   1,467,440 14,110 SH   SOLE   14,110 0 0
AMAZON COM INC COM 023135106   1,732,173 16,770 SH   SOLE   16,770 0 0
AMERICAN ELEC PWR CO INC COM 025537101   281,159 3,090 SH   SOLE   3,090 0 0
AMERICAN EXPRESS CO COM 025816109   361,405 2,191 SH   SOLE   2,191 0 0
AMERICAN TOWER CORP NEW COM 03027X100   424,856 2,079 SH   SOLE   2,079 0 0
AMGEN INC COM 031162100   312,825 1,294 SH   SOLE   1,294 0 0
APPLE INC COM 037833100   12,211,834 74,056 SH   SOLE   74,056 0 0
APPLIED MATLS INC COM 038222105   603,095 4,910 SH   SOLE   4,910 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   815,320 10,235 SH   SOLE   10,235 0 0
AT&T INC COM 00206R102   392,585 20,394 SH   SOLE   20,394 0 0
BANK AMERICA CORP COM 060505104   432,575 15,125 SH   SOLE   15,125 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,434,757 11,124 SH   SOLE   11,124 0 0
BIOGEN INC COM 09062X103   200,182 720 SH   SOLE   720 0 0
BLACKROCK INC COM 09247X101   258,280 386 SH   SOLE   386 0 0
BOEING CO COM 097023105   295,915 1,393 SH   SOLE   1,393 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   310,578 4,481 SH   SOLE   4,481 0 0
BROADCOM INC COM 11135F101   425,341 663 SH   SOLE   663 0 0
BROWN FORMAN CORP CL B 115637209   258,494 4,021 SH   SOLE   4,021 0 0
CADENCE DESIGN SYSTEM INC COM 127387108   284,672 1,355 SH   SOLE   1,355 0 0
CARDINAL HEALTH INC COM 14149Y108   255,945 3,390 SH   SOLE   3,390 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   291,473 6,371 SH   SOLE   6,371 0 0
CATERPILLAR INC COM 149123101   731,601 3,197 SH   SOLE   3,197 0 0
CHEVRON CORP NEW COM 166764100   236,582 1,450 SH   SOLE   1,450 0 0
CISCO SYS INC COM 17275R102   1,006,032 19,245 SH   SOLE   19,245 0 0
CLOUDFLARE INC CL A COM 18915M107   2,320,944 37,641 SH   SOLE   37,641 0 0
COCA COLA CO COM 191216100   418,827 6,752 SH   SOLE   6,752 0 0
COLGATE PALMOLIVE CO COM 194162103   488,325 6,498 SH   SOLE   6,498 0 0
COMCAST CORP NEW CL A 20030N101   501,132 13,219 SH   SOLE   13,219 0 0
CONSTELLATION BRANDS INC CL A 21036P108   387,175 1,714 SH   SOLE   1,714 0 0
CONSTELLATION ENERGY CORP COM 21037T109   310,625 3,957 SH   SOLE   3,957 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,678,427 3,378 SH   SOLE   3,378 0 0
CSX CORP COM 126408103   305,687 10,210 SH   SOLE   10,210 0 0
CUMMINS INC COM 231021106   478,238 2,002 SH   SOLE   2,002 0 0
CVS HEALTH CORP COM 126650100   226,571 3,049 SH   SOLE   3,049 0 0
D R HORTON INC COM 23331A109   511,896 5,240 SH   SOLE   5,240 0 0
DEERE & CO COM 244199105   518,990 1,257 SH   SOLE   1,257 0 0
DISCOVER FINL SVCS COM 254709108   755,138 7,640 SH   SOLE   7,640 0 0
DISNEY WALT CO COM 254687106   594,472 5,937 SH   SOLE   5,937 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   438,360 4,544 SH   SOLE   4,544 0 0
EASTMAN CHEM CO COM 277432100   357,180 4,235 SH   SOLE   4,235 0 0
EDISON INTL COM 281020107   283,348 4,014 SH   SOLE   4,014 0 0
EMERSON ELEC CO COM 291011104   428,729 4,920 SH   SOLE   4,920 0 0
EQUITY LIFESTYLE PPTYS INC COM 29472R108   742,231 11,056 SH   SOLE   11,056 0 0
ESSEX PPTY TR INC COM 297178105   845,922 4,044 SH   SOLE   4,044 0 0
EXELON CORP COM 30161N101   338,262 8,075 SH   SOLE   8,075 0 0
FAIR ISAAC CORP COM 303250104   236,807 337 SH   SOLE   337 0 0
FEDEX CORP COM 31428X106   508,757 2,226 SH   SOLE   2,226 0 0
FIFTH THIRD BANCORP COM 316773100   195,138 7,325 SH   SOLE   7,325 0 0
FIRST SOLAR INC COM 336433107   231,638 1,065 SH   SOLE   1,065 0 0
FISERV INC COM 337738108   502,984 4,450 SH   SOLE   4,450 0 0
FLAHERTY & CRUMRINE PFD SECS COM 338478100   309,123 22,335 SH   SOLE   22,335 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   1,807,265 74,773 SH   SOLE   74,773 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,703,985 69,578 SH   SOLE   69,578 0 0
FMC CORP COM NEW 302491303   268,686 2,200 SH   SOLE   2,200 0 0
FRANCO NEV CORP COM 351858105   435,942 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108   488,369 2,140 SH   SOLE   2,140 0 0
GENERAL MLS INC COM 370334104   237,579 2,780 SH   SOLE   2,780 0 0
GENERAL MTRS CO COM 37045V100   286,680 7,815 SH   SOLE   7,815 0 0
GENUINE PARTS CO COM 372460105   472,651 2,825 SH   SOLE   2,825 0 0
GILEAD SCIENCES INC COM 375558103   197,635 2,382 SH   SOLE   2,382 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   527,301 1,612 SH   SOLE   1,612 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   1,625,884 32,560 SH   SOLE   32,560 0 0
HERSHEY CO COM 427866108   286,720 1,127 SH   SOLE   1,127 0 0
HOME DEPOT INC COM 437076102   996,719 3,377 SH   SOLE   3,377 0 0
HONEYWELL INTL INC COM 438516106   441,869 2,312 SH   SOLE   2,312 0 0
HP INC COM 40434L105   264,620 9,016 SH   SOLE   9,016 0 0
INTEL CORP COM 458140100   644,742 19,735 SH   SOLE   19,735 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   331,920 2,532 SH   SOLE   2,532 0 0
INTUIT COM 461202103   450,734 1,011 SH   SOLE   1,011 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   733,199 2,870 SH   SOLE   2,870 0 0
ISHARES TR 20 YR TR BD ETF 464287432   353,680 3,325 SH   SOLE   3,325 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   513,500 6,250 SH   SOLE   6,250 0 0
ISHARES TR CORE MSCI EAFE 46432F842   7,355,171 110,025 SH   SOLE   110,025 0 0
ISHARES TR CORE TOTAL USD 46434V613   6,583,890 142,662 SH   SOLE   142,662 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,571,629 126,170 SH   SOLE   126,170 0 0
ISHARES TR IBOXX INV CP ETF 464287242   767,882 7,005 SH   SOLE   7,005 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,131,231 15,816 SH   SOLE   15,816 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,333,568 59,137 SH   SOLE   59,137 0 0
ISHARES INC MSCI CDA ETF 464286509   239,944 7,020 SH   SOLE   7,020 0 0
ISHARES INC MSCI FRANCE ETF 464286707   357,399 9,455 SH   SOLE   9,455 0 0
ISHARES INC MSCI GERMANY ETF 464286806   263,967 9,275 SH   SOLE   9,275 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   1,043,215 17,775 SH   SOLE   17,775 0 0
ISHARES INC MSCI NETHERL ETF 464286814   353,425 8,375 SH   SOLE   8,375 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   537,839 16,672 SH   SOLE   16,672 0 0
ISHARES TR RUS 1000 ETF 464287622   1,105,879 4,910 SH   SOLE   4,910 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   621,672 3,484 SH   SOLE   3,484 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,502,211 6,005 SH   SOLE   6,005 0 0
ISHARES TR CORE S&P500 ETF 464287200   769,131 1,871 SH   SOLE   1,871 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,822,602 18,848 SH   SOLE   18,848 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,401,703 19,601 SH   SOLE   19,601 0 0
ISHARES TR S&P MC 400VL ETF 464287705   1,995,861 19,420 SH   SOLE   19,420 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,500,569 13,648 SH   SOLE   13,648 0 0
ISHARES TR SP SMCP600VL ETF 464287879   2,272,247 24,278 SH   SOLE   24,278 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   832,039 13,023 SH   SOLE   13,023 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,027,567 6,771 SH   SOLE   6,771 0 0
ISHARES TR TIPS BD ETF 464287176   1,227,413 11,133 SH   SOLE   11,133 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,273,224 24,828 SH   SOLE   24,828 0 0
JPMORGAN CHASE & CO COM 46625H100   2,534,399 19,449 SH   SOLE   19,449 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   1,235,296 24,471 SH   SOLE   24,471 0 0
JOHNSON & JOHNSON COM 478160104   1,895,185 12,227 SH   SOLE   12,227 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   267,540 4,900 SH   SOLE   4,900 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,799,430 115,250 SH   SOLE   115,250 0 0
KELLOGG CO COM 487836108   201,148 3,004 SH   SOLE   3,004 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103   414,412 2,566 SH   SOLE   2,566 0 0
KIMBERLY-CLARK CORP COM 494368103   401,318 2,990 SH   SOLE   2,990 0 0
KLA CORP COM NEW 482480100   300,176 752 SH   SOLE   752 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   268,345 1,169 SH   SOLE   1,169 0 0
LILLY ELI & CO COM 532457108   684,093 1,992 SH   SOLE   1,992 0 0
LINDE PLC SHS G54950103   453,541 1,276 SH   SOLE   1,276 0 0
LOWES COS INC COM 548661107   1,689,347 8,448 SH   SOLE   8,448 0 0
MARRIOTT INTL INC NEW CL A 571903202   416,787 2,510 SH   SOLE   2,510 0 0
MASTERCARD INCORPORATED CL A 57636Q104   305,991 842 SH   SOLE   842 0 0
MCDONALDS CORP COM 580135101   628,843 2,249 SH   SOLE   2,249 0 0
MCKESSON CORP COM 58155Q103   217,191 610 SH   SOLE   610 0 0
MERCK & CO INC COM 58933Y105   966,660 9,086 SH   SOLE   9,086 0 0
METLIFE INC COM 59156R108   191,144 3,299 SH   SOLE   3,299 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105   302,982 198 SH   SOLE   198 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   1,612,346 19,245 SH   SOLE   19,245 0 0
MICROSOFT CORP COM 594918104   9,555,127 33,143 SH   SOLE   33,143 0 0
MONDELEZ INTL INC CL A 609207105   222,755 3,195 SH   SOLE   3,195 0 0
MORGAN STANLEY COM NEW 617446448   420,211 4,786 SH   SOLE   4,786 0 0
RBB FD INC MOTLEY FOOL SML 74933W874   447,888 16,780 SH   SOLE   16,780 0 0
NETFLIX INC COM 64110L106   423,904 1,227 SH   SOLE   1,227 0 0
NEXTERA ENERGY INC COM 65339F101   338,537 4,392 SH   SOLE   4,392 0 0
NIKE INC CL B 654106103   328,103 2,675 SH   SOLE   2,675 0 0
NOVO-NORDISK A S ADR 670100205   322,259 2,025 SH   SOLE   2,025 0 0
NVIDIA CORPORATION COM 67066G104   2,187,717 7,876 SH   SOLE   7,876 0 0
ORACLE CORP COM 68389X105   3,034,024 32,652 SH   SOLE   32,652 0 0
OTIS WORLDWIDE CORP COM 68902V107   261,556 3,099 SH   SOLE   3,099 0 0
PARKER-HANNIFIN CORP COM 701094104   213,430 635 SH   SOLE   635 0 0
PAYCHEX INC COM 704326107   221,159 1,930 SH   SOLE   1,930 0 0
PEPSICO INC COM 713448108   390,487 2,142 SH   SOLE   2,142 0 0
PFIZER INC COM 717081103   595,680 14,600 SH   SOLE   14,600 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643   244,232 2,500 SH   SOLE   2,500 0 0
POLARIS INC COM 731068102   474,603 4,290 SH   SOLE   4,290 0 0
PROCTER AND GAMBLE CO COM 742718109   648,338 4,360 SH   SOLE   4,360 0 0
PROLOGIS INC. COM 74340W103   539,381 4,323 SH   SOLE   4,323 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467   213,502 2,340 SH   SOLE   2,340 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   779,327 7,958 SH   SOLE   7,958 0 0
REALTY INCOME CORP COM 756109104   1,144,223 18,070 SH   SOLE   18,070 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101   278,770 9,822 SH   SOLE   9,822 0 0
REGENERON PHARMACEUTICALS COM 75886F107   250,609 305 SH   SOLE   305 0 0
ROCKWELL AUTOMATION INC COM 773903109   289,733 987 SH   SOLE   987 0 0
ROYAL GOLD INC COM 780287108   433,569 3,342 SH   SOLE   3,342 0 0
SALESFORCE INC COM 79466L302   1,949,853 9,760 SH   SOLE   9,760 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   448,712 77,231 SH   SOLE   77,231 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   300,490 6,279 SH   SOLE   6,279 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   280,070 8,048 SH   SOLE   8,048 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   201,359 3,070 SH   SOLE   3,070 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   211,377 4,370 SH   SOLE   4,370 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   411,166 9,806 SH   SOLE   9,806 0 0
SHERWIN WILLIAMS CO COM 824348106   293,999 1,308 SH   SOLE   1,308 0 0
SOCIEDAD QUIMICA Y MINERA DE SPON ADR SER B 833635105   297,896 3,675 SH   SOLE   3,675 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   791,417 26,710 SH   SOLE   26,710 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,637,437 8,937 SH   SOLE   8,937 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   3,409,534 132,512 SH   SOLE   132,512 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,561,344 3,406 SH   SOLE   3,406 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   506,415 1,237 SH   SOLE   1,237 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   251,692 13,310 SH   SOLE   13,310 0 0
STARBUCKS CORP COM 855244109   548,244 5,265 SH   SOLE   5,265 0 0
SYNOPSYS INC COM 871607107   455,775 1,180 SH   SOLE   1,180 0 0
SYSCO CORP COM 871829107   204,273 2,645 SH   SOLE   2,645 0 0
TESLA INC COM 88160R101   1,018,214 4,908 SH   SOLE   4,908 0 0
TEXAS INSTRS INC COM 882508104   358,069 1,925 SH   SOLE   1,925 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   379,828 659 SH   SOLE   659 0 0
TRACTOR SUPPLY CO COM 892356106   242,091 1,030 SH   SOLE   1,030 0 0
TRAVELERS COMPANIES INC COM 89417E109   248,545 1,450 SH   SOLE   1,450 0 0
UNION PAC CORP COM 907818108   541,188 2,689 SH   SOLE   2,689 0 0
UNITED PARCEL SERVICE INC CL B 911312106   250,635 1,292 SH   SOLE   1,292 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,358,538 2,874 SH   SOLE   2,874 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   255,015 7,883 SH   SOLE   7,883 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   440,400 10,901 SH   SOLE   10,901 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   222,579 1,660 SH   SOLE   1,660 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   860,513 11,250 SH   SOLE   11,250 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   363,310 9,342 SH   SOLE   9,342 0 0
VISA INC COM CL A 92826C839   1,323,375 5,869 SH   SOLE   5,869 0 0
WALMART INC COM 931142103   631,212 4,280 SH   SOLE   4,280 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   284,421 8,225 SH   SOLE   8,225 0 0
ZOETIS INC CL A 98978V103   257,982 1,550 SH   SOLE   1,550 0 0