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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CION INVESTMENT CORP 40 ACT REGISTERED MARYLAND COM 17259U105 241 29,149 SH   SOLE   29,149 0 0
ABBVIE INC COM 00287Y109 105 1,394 SH   SOLE   1,394 0 0
AMAZON COM INC COM 023135106 309 178 SH   SOLE   178 0 0
BERKSHIRE HATHAWAY CLASS B CL B NEW 084670702 389 1,871 SH   SOLE   1,871 0 0
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 7,005 123,898 SH   SOLE   123,898 0 0
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 752 9,304 SH   SOLE   9,307 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 366 4,333 SH   SOLE   4,333 0 0
INDEXIQ MERGER ARBITRAGE ETF IQ MRGR ARB ETF 45409B800 3,974 124,008 SH   SOLE   124,008 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 2,094 11,092 SH   SOLE   11,092 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 414 6,342 SH   SOLE   6,342 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 242 1,517 SH   SOLE   1,517 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 492 3,254 SH   SOLE   3,254 0 0
ISHARES US AEROSPACE DEFENSE ETF US AER DEF ETF 464288760 369 1,643 SH   SOLE   1,643 0 0
JPMORGAN DIVERSIFIED RTN GBL EQT ETF DIV RTN GLB EQ 46641Q100 9,591 161,849 SH   SOLE   161,849 0 0
SPDR DOW JONES INDUSTRIAL AVRG ETF UT SER 1 78467X109 452 1,679 SH   SOLE   1,679 0 0
SPDR MSCI ACWI IMI ETF PORTFLI MSCI GBL 78463X475 11,690 292,905 SH   SOLE   292,905 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,442 4,859 SH   SOLE   4,859 0 0
MEDTRONIC PLC F SHS G5960L103 768 7,072 SH   SOLE   7,072 0 0
POLYMET MINING CORP F COM 731916102 130 405,610 SH   SOLE   405,610 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 13,771 272,215 SH   SOLE   272,215 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 13,158 240,204 SH   SOLE   240,204 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 8,443 100,497 SH   SOLE   100,497 0 0
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 6,589 94,499 SH   SOLE   94,499 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,796 31,640 SH   SOLE   31,640 0 0
SELECT SECTOR UTI SELECT SPDR ETF SBI INT-UTILS 81369Y886 2,859 44,163 SH   SOLE   44,163 0 0
SPDR BLACKSTONE GSO SENIOR LOAN ETF BLKSTN GSOSRLN 78467V608 10,271 221,748 SH   SOLE   221,748 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 9,261 171,983 SH   SOLE   171,983 0 0
WISDOMTREE INTRST RT HDG AGRGT ETF INTRST RATE HDGE 97717W380 8,970 187,667 SH   SOLE   187,667 0 0
SCHWAB US BROAD MARKET ETF Total US BRD MKT ETF 808524102 10,904 153,536 SH   SOLE   153,536 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 365 4,333 SH   SOLE   4,333 0 0
XTRCKRS MSCI EMRG MRKT HDGD EQY ETF XTRACK MSCI EMRG 233051101 4,177 190,819 SH   SOLE   190,819 0 0
INDEXIQ MERGER ARBITRAGE ETF IQ MRGR ARB ETF 45409B800 3,974 124,008 SH   SOLE   124,008 0 0
ENSIGN GROUP INC COM 29358P101 398 8,398 SH   SOLE   8,398 0 0
BOEING CO COM 097023105 422 1,110 SH   SOLE   1,110 0 0
INTERACTIVE CORP COM 44919P508 250 1,150 SH   SOLE   1,150 0 0
ISHARES INTERMEDT TERM CORP BOND ETF INTRM TR CRP ETF 464288638 5,228 90,265 SH   SOLE   90,265 0 0
MICROSOFT CORP COM 594918104 425 3,056 SH   SOLE   3,056 0 0
INVESCO ACTIVELY MANAGD ETF ACTIVE US REAL 46090A101 3,097 32,325 SH   SOLE   32,325 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,005 123,898 SH   SOLE   123,898 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,126 56,257 SH   SOLE   56,257 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 301 3,300 SH   SOLE   3,300 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 309 3,311 SH   SOLE   3,311 0 0
3M COMPANY COM 88579Y101 7,461 45,382 SH   SOLE   45,382 0 0
ECOLAB INC COM 278865100 7,932 40,051 SH   SOLE   40,051 0 0
BOSTON SCIENTIFIC COM 101137107 222 5,465 SH   SOLE   5,465 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 389 1,871 SH   SOLE   1,871 0 0
LADENBURG THALMAN COM 50575Q201 329 44,391 SH   SOLE   44,391 0 0
TRAVELERS COMPANIES COM 89417E109 1,003 6,748 SH   SOLE   6,748 0 0
VERIZON COM 92343V104 288 4,770 SH   SOLE   4,770 0 0
XCEL ENERGY INC COM 98389B100 511 7,888 SH   SOLE   7,888 0 0
ABSOLUTE SHS TR WBI BULBEAR TR 00400R841 318 15,204 SH   SOLE   15,204 0 0
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 835 7,489 SH   SOLE   7,489 0 0
SPDR SERIES TRUST HLTH CR EQUIP 78464A581 412 5,281 SH   SOLE   5,281 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,442 4,859 SH   SOLE   4,859 0 0
SPDR SERIES TRUST RUSSELL LOW VOL 78468R754 829 10,170 SH   SOLE   10,170 0 0
SPDR MSCI ACWI IMI ETF MSCI ACWI ETF 78463X475 11,690 292,904 SH   SOLE   292,904 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 301 20,500 SH   SOLE   20,500 0 0
BALL CORP COM 058498106 217 2,990 SH   SOLE   2,990 0 0
CUBIS CORP COM 229669106 267 3,790 SH   SOLE   3,790 0 0
INVESCO ACTIVELY MANAGD ETF S&P500 DOWNSID 46090A705 551 20,083 SH   SOLE   20,083 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 700 3,912 SH   SOLE   3,912 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 840 14,516 SH   SOLE   14,516 0 0
ISHARES TR NATIONAL MUN ETF 464288414 892 7,816 SH   SOLE   7,816 0 0
JAMES RIV GROUP LTD COM G5005R107 482 9,400 SH   SOLE   9,400 0 0