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
Berkshire Hathaway Inc CL B 084670702 25,970 112,001 SH   SOLE   112,001 0 0
iShares Edge MSCI Min Vol USA MSCI MIN VOL ETF 46429B697 10,872 160,168 SH   SOLE   160,168 0 0
Goldman Sachs ActiveBeta Inter ACTIVEBETA INT 381430107 10,644 333,659 SH   SOLE   333,659 0 0
Hartford Multifactor Dev Mkts (exUS) ETF INTL EQTY ETF 518416102 10,588 373,995 SH   SOLE   373,995 0 0
Alphabet Inc STK CL A 02079K305 10,314 5,885 SH   SOLE   5,885 0 0
Schwab Fundamental U.S. Large FDT US LG 808524771 10,022 221,292 SH   SOLE   221,292 0 0
VanEck Vectors Gold Miners ETF GOLD MINER ETF 92189F106 9,546 265,009 SH   SOLE   265,009 0 0
Schwab International Equity ET INTL EQTY ETF 808524805 8,526 236,770 SH   SOLE   236,770 0 0
Microsoft Corp COM 594918104 8,482 38,136 SH   SOLE   38,136 0 0
Morgan Stanley COM 617446448 7,854 114,614 SH   SOLE   114,614 0 0
Starbucks Corp COM 855244109 7,307 68,302 SH   SOLE   68,302 0 0
Apple Inc COM 037833100 7,129 53,730 SH   SOLE   53,730 0 0
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 7,092 59,128 SH   SOLE   59,128 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 6,519 51,066 SH   SOLE   51,066 0 0
Walt Disney Co/The COM 254687106 6,140 33,889 SH   SOLE   33,889 0 0
CVS Health Corp COM 126650100 5,993 87,742 SH   SOLE   87,742 0 0
VanEck Vectors Investment Grade Floating Rate ETF INVT GRADE FLTG 92189F486 5,661 223,856 SH   SOLE   223,856 0 0
Verizon Communications Inc COM 92343V104 5,608 95,461 SH   SOLE   95,461 0 0
JPMorgan Chase & Co COM 46625H100 5,441 42,815 SH   SOLE   42,815 0 0
Schwab U.S. Large-Cap Value ET US LCAP VA ETF 808524409 5,365 90,117 SH   SOLE   90,117 0 0
Laboratory Corp of America Hol COM 50540R409 5,330 26,185 SH   SOLE   26,185 0 0
Canadian National Railway Co COM 136375102 4,914 44,733 SH   SOLE   44,733 0 0
Pfizer Inc COM 717081103 4,791 130,142 SH   SOLE   130,142 0 0
L3Harris Technologies Ord COM 502431109 4,690 24,811 SH   SOLE   24,811 0 0
Paypal Holdings Inco COM 70450Y103 4,613 19,695 SH   SOLE   19,695 0 0
VanEck Merk Gold Trust MERK GOLD TRUST 921078101 4,579 247,240 SH   SOLE   247,240 0 0
Automatic Data Processing Inc COM 053015103 3,790 21,511 SH   SOLE   21,511 0 0
Marathon Petroleum Corp COM 56585A102 3,731 90,220 SH   SOLE   90,220 0 0
WisdomTree US MidCap Dividend ETF MIDCAP DIVI FD 97717W505 3,397 97,582 SH   SOLE   97,582 0 0
Goldman Sachs Etf Tr Just Us Lrg Cp US LRG CP 381430396 3,315 60,884 SH   SOLE   60,884 0 0
Johnson & Johnson COM 478160104 3,203 20,355 SH   SOLE   20,355 0 0
Facebook Inc COM 30303M102 3,058 11,194 SH   SOLE   11,194 0 0
Chevron Corp COM 166764100 2,946 34,881 SH   SOLE   34,881 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 2,775 27,192 SH   SOLE   27,192 0 0
iShares Core S&P Small-Cap ETF ETF TR EQUITY 464287804 2,268 24,682 SH   SOLE   24,682 0 0
WisdomTree US Dividend ex-Fina DIV EX-FINL FD 97717W406 2,104 25,125 SH   SOLE   25,125 0 0
iShares Edge MSCI USA Momentum Fctr ETF MOMENTUM FCT 46432F396 1,942 12,039 SH   SOLE   12,039 0 0
Invesco Taxable Municipal Bond TAXABLE MUN BD 46138G805 1,866 55,707 SH   SOLE   55,707 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 1,596 18,093 SH   SOLE   18,093 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102 1,396 15,337 SH   SOLE   15,337 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479 1,395 24,805 SH   SOLE   24,805 0 0
Goldman Sachs ActiveBeta U.S. ETF TR EQUITY 381430503 694 9,173 SH   SOLE   9,173 0 0
Ford Motor Co COM 345370860 509 57,902 SH   SOLE   57,902 0 0
DTE Energy Co COM 233331107 499 4,111 SH   SOLE   4,111 0 0
Philip Morris International In COM 718172109 419 5,066 SH   SOLE   5,066 0 0
Amazon.com Inc COM 023135106 417 128 SH   SOLE   128 0 0
Exxon Mobil Corp COM 30231G102 311 7,554 SH   SOLE   7,554 0 0
Technology Select Sector SPDR SPDR TR TECH 81369Y803 303 2,331 SH   SOLE   2,331 0 0
Viatris Inc. COM 92556V106 300 16,026 SH   SOLE   16,026 0 0
Mondelez International Inc COM 609207105 268 4,588 SH   SOLE   4,588 0 0
Altria Group Inc COM 02209S103 229 5,576 SH   SOLE   5,576 0 0
Visa Inc COM 92826C839 207 945 SH   SOLE   945 0 0
ProMIS Neurosciences Inc COM 74346M109 1 10,000 SH   SOLE   10,000 0 0