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
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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
Berkshire Hathaway Inc CL B 084670702 28,983 104,284 SH   SOLE   104,284 0 0
Alphabet Inc STK CL A 02079K305 13,818 5,659 SH   SOLE   5,659 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 12,046 163,652 SH   SOLE   163,652 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 11,851 385,910 SH   SOLE   385,910 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 11,841 338,990 SH   SOLE   338,990 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 11,172 204,167 SH   SOLE   204,167 0 0
Microsoft Corp COM 594918104 10,093 37,257 SH   SOLE   37,257 0 0
Morgan Stanley COM 617446448 9,372 102,218 SH   SOLE   102,218 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 9,293 235,572 SH   SOLE   235,572 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 8,919 262,466 SH   SOLE   262,466 0 0
CVS Health Corp COM 126650100 7,500 89,884 SH   SOLE   89,884 0 0
Apple Inc COM 037833100 7,276 53,125 SH   SOLE   53,125 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 7,121 55,626 SH   SOLE   55,626 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 6,957 101,762 SH   SOLE   101,762 0 0
Laboratory Corp of America Hol COM 50540R409 6,880 24,941 SH   SOLE   24,941 0 0
JPMorgan Chase & Co COM 46625H100 6,649 42,746 SH   SOLE   42,746 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 6,071 239,198 SH   SOLE   239,198 0 0
Walt Disney Co/The COM 254687106 6,000 34,133 SH   SOLE   34,133 0 0
Verizon Communications Inc COM 92343V104 5,801 103,541 SH   SOLE   103,541 0 0
Paypal Holdings Inco COM 70450Y103 5,778 19,823 SH   SOLE   19,823 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 5,580 48,318 SH   SOLE   48,318 0 0
Marathon Petroleum Corp COM 56585A102 5,323 88,094 SH   SOLE   88,094 0 0
L3Harris Technologies Ord COM 502431109 5,105 23,616 SH   SOLE   23,616 0 0
Starbucks Corp COM 855244109 5,104 45,650 SH   SOLE   45,650 0 0
Pfizer Inc COM 717081103 5,031 128,477 SH   SOLE   128,477 0 0
Canadian National Railway Co COM 136375102 4,868 46,132 SH   SOLE   46,132 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 4,774 113,805 SH   SOLE   113,805 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 4,561 72,978 SH   SOLE   72,978 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 4,522 40,022 SH   SOLE   40,022 0 0
VanEck Merk Gold Trust MERK GOLD TRUST 921078101 4,504 261,565 SH   SOLE   261,565 0 0
BorgWarner Inc COM 099724106 4,437 91,415 SH   SOLE   91,415 0 0
Automatic Data Processing Inc COM 053015103 4,193 21,111 SH   SOLE   21,111 0 0
Facebook Inc COM 30303M102 4,097 11,784 SH   SOLE   11,784 0 0
Chevron Corp COM 166764100 3,827 36,535 SH   SOLE   36,535 0 0
Splunk Inc COM 848637104 3,803 26,301 SH   SOLE   26,301 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 3,801 37,276 SH   SOLE   37,276 0 0
Johnson & Johnson COM 478160104 3,431 20,826 SH   SOLE   20,826 0 0
Sprouts Farmers Market Inc COM 85208M102 2,604 104,771 SH   SOLE   104,771 0 0
WisdomTree US Dividend ex-Fina DIV EX-FINL FD 97717W406 2,557 26,295 SH   SOLE   26,295 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 2,071 37,760 SH   SOLE   37,760 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 2,024 60,987 SH   SOLE   60,987 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,731 9,980 SH   SOLE   9,980 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,550 14,867 SH   SOLE   14,867 0 0
Goldman Sachs BDC Inc SHS 38147U107 1,290 65,820 SH   SOLE   65,820 0 0
Direxion NASDAQ-100 Equal Wtd ETF TR NAS100 EQL WGT 25459Y207 994 11,897 SH   SOLE   11,897 0 0
Ford Motor Co COM 345370860 817 54,947 SH   SOLE   54,947 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 664 7,716 SH   SOLE   7,716 0 0
Philip Morris International In COM 718172109 502 5,066 SH   SOLE   5,066 0 0
Amazon.com Inc COM 023135106 437 127 SH   SOLE   127 0 0
Exxon Mobil Corp COM 30231G102 419 6,650 SH   SOLE   6,650 0 0
DTE Energy Co COM 233331107 356 2,747 SH   SOLE   2,747 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 330 2,236 SH   SOLE   2,236 0 0
Mondelez International Inc COM 609207105 286 4,588 SH   SOLE   4,588 0 0
Target Corporation COM 87612E106 269 1,112 SH   SOLE   1,112 0 0
Altria Group Inc COM 02209S103 265 5,550 SH   SOLE   5,550 0 0
Visa Inc COM 92826C839 221 945 SH   SOLE   945 0 0
ProMIS Neurosciences Inc COM 74346M109 2 10,000 SH   SOLE   10,000 0 0
Arcus Biosciences Inc COM 03969F109 520 18,939 SH   SOLE   18,939 0 0