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
3M CO COM 88579Y101 496 3,630 SH   SOLE   3,630 0 0
ABBOTT LABS COM 002824100 1,062 13,458 SH   SOLE   13,458 0 0
ABBVIE INC COM 00287Y109 1,117 14,657 SH   SOLE   14,657 0 0
ADOBE INC COM 00724F101 441 1,385 SH   SOLE   1,385 0 0
ALLSTATE CORP COM 020002101 1,666 18,159 SH   SOLE   18,159 0 0
ALPHABET INC CAP STK CL A 02079K305 1,373 1,182 SH   SOLE   1,182 0 0
ALPHABET INC CAP STK CL C 02079K107 563 484 SH   SOLE   484 0 0
AMAZON COM INC COM 023135106 1,737 891 SH   SOLE   891 0 0
AMERICAN ELEC PWR CO INC COM 025537101 243 3,040 SH   SOLE   3,040 0 0
AMERICAN EXPRESS CO COM 025816109 253 2,954 SH   SOLE   2,954 0 0
AMERICAN TOWER CORP NEW COM 03027X100 409 1,878 SH   SOLE   1,878 0 0
AMGEN INC COM 031162100 341 1,684 SH   SOLE   1,684 0 0
APPLE INC COM 037833100 6,177 24,292 SH   SOLE   24,292 0 0
APPLIED MATLS INC COM 038222105 262 5,714 SH   SOLE   5,714 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 224 6,354 SH   SOLE   6,354 0 0
AT&T INC COM 00206R102 884 30,321 SH   SOLE   30,321 0 0
BK OF AMERICA CORP COM 060505104 280 13,187 SH   SOLE   13,187 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,931 10,563 SH   SOLE   10,563 0 0
BIOGEN INC COM 09062X103 246 777 SH   SOLE   777 0 0
BOEING CO COM 097023105 274 1,835 SH   SOLE   1,835 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 449 8,063 SH   SOLE   8,063 0 0
BROWN FORMAN CORP CL B 115637209 244 4,404 SH   SOLE   4,404 0 0
CANADIAN PAC RY LTD COM 13645T100 192 875 SH   SOLE   875 0 0
CATERPILLAR INC DEL COM 149123101 741 6,388 SH   SOLE   6,388 0 0
CHEVRON CORP NEW COM 166764100 279 3,848 SH   SOLE   3,848 0 0
CISCO SYS INC COM 17275R102 759 19,297 SH   SOLE   19,297 0 0
CITIGROUP INC COM NEW 172967424 318 7,550 SH   SOLE   7,550 0 0
CLOROX CO DEL COM 189054109 222 1,278 SH   SOLE   1,278 0 0
COCA COLA CO COM 191216100 373 8,434 SH   SOLE   8,434 0 0
COLGATE PALMOLIVE CO COM 194162103 423 6,375 SH   SOLE   6,375 0 0
COMCAST CORP NEW CL A 20030N101 321 9,350 SH   SOLE   9,350 0 0
CONSTELLATION BRANDS INC CL A 21036P108 277 1,934 SH   SOLE   1,934 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,671 5,861 SH   SOLE   5,861 0 0
CSX CORP COM 126408103 254 4,435 SH   SOLE   4,435 0 0
CUMMINS INC COM 231021106 418 3,086 SH   SOLE   3,086 0 0
CVS HEALTH CORP COM 126650100 190 3,203 SH   SOLE   3,203 0 0
DEERE & CO COM 244199105 171 1,238 SH   SOLE   1,238 0 0
DIGITAL RLTY TR INC COM 253868103 254 1,825 SH   SOLE   1,825 0 0
DISCOVER FINL SVCS COM 254709108 291 8,160 SH   SOLE   8,160 0 0
DISNEY WALT CO COM DISNEY 254687106 485 5,018 SH   SOLE   5,018 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 394 4,873 SH   SOLE   4,873 0 0
EASTMAN CHEM CO COM 277432100 261 5,593 SH   SOLE   5,593 0 0
EDISON INTL COM 281020107 232 4,226 SH   SOLE   4,226 0 0
EMERSON ELEC CO COM 291011104 256 5,370 SH   SOLE   5,370 0 0
ESSEX PPTY TR INC COM 297178105 913 4,144 SH   SOLE   4,144 0 0
EXELON CORP COM 30161N101 383 10,405 SH   SOLE   10,405 0 0
EXXON MOBIL CORP COM 30231G102 309 8,136 SH   SOLE   8,136 0 0
FACEBOOK INC CL A 30303M102 541 3,243 SH   SOLE   3,243 0 0
FEDEX CORP COM 31428X106 176 1,447 SH   SOLE   1,447 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 246 2,025 SH   SOLE   2,025 0 0
FIFTH THIRD BANCORP COM 316773100 180 12,118 SH   SOLE   12,118 0 0
FISERV INC COM 337738108 456 4,800 SH   SOLE   4,800 0 0
FLAHERTY & CRUMRIN PFD & INM COM 338478100 578 34,602 SH   SOLE   34,602 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 495 20,123 SH   SOLE   20,123 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 347 13,441 SH   SOLE   13,441 0 0
F M C CORP COM NEW 302491303 184 2,250 SH   SOLE   2,250 0 0
FRANCO NEVADA CORP COM 351858105 298 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COM 369550108 360 2,720 SH   SOLE   2,720 0 0
GENERAL MLS INC COM 370334104 393 7,442 SH   SOLE   7,442 0 0
GENUINE PARTS CO COM 372460105 187 2,775 SH   SOLE   2,775 0 0
GILEAD SCIENCES INC COM 375558103 246 3,285 SH   SOLE   3,285 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 308 1,989 SH   SOLE   1,989 0 0
HOME DEPOT INC COM 437076102 736 3,941 SH   SOLE   3,941 0 0
HONEYWELL INTL INC COM 438516106 229 1,715 SH   SOLE   1,715 0 0
HP INC COM 40434L105 197 11,356 SH   SOLE   11,356 0 0
ILLINOIS TOOL WKS INC COM 452308109 195 1,375 SH   SOLE   1,375 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 254 3,341 SH   SOLE   3,341 0 0
INTEL CORP COM 458140100 1,357 25,078 SH   SOLE   25,078 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 507 4,566 SH   SOLE   4,566 0 0
INTUIT COM 461202103 304 1,323 SH   SOLE   1,323 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 282 570 SH   SOLE   570 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 275 12,140 SH   SOLE   12,140 0 0
ISHARES TR 20 YR TR BD ETF 464287432 651 3,945 SH   SOLE   3,945 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,280 25,665 SH   SOLE   25,665 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,536 73,986 SH   SOLE   73,986 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 241 3,882 SH   SOLE   3,882 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,235 10,002 SH   SOLE   10,002 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,045 19,550 SH   SOLE   19,550 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,650 77,630 SH   SOLE   77,630 0 0
ISHARES INC MSCI FRANCE ETF 464286707 317 13,522 SH   SOLE   13,522 0 0
ISHARES INC MSCI GERMANY ETF 464286806 286 13,317 SH   SOLE   13,317 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 1,230 24,910 SH   SOLE   24,910 0 0
ISHARES INC MSCI NETHERL ETF 464286814 240 9,241 SH   SOLE   9,241 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 179 6,977 SH   SOLE   6,977 0 0
ISHARES INC MSCI SWITZERLAND 464286749 230 6,504 SH   SOLE   6,504 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 829 34,727 SH   SOLE   34,727 0 0
ISHARES TR RUS 1000 ETF 464287622 780 5,514 SH   SOLE   5,514 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 374 3,268 SH   SOLE   3,268 0 0
ISHARES TR CORE S&P MCP ETF 464287507 476 3,305 SH   SOLE   3,305 0 0
ISHARES TR CORE S&P500 ETF 464287200 638 2,470 SH   SOLE   2,470 0 0
ISHARES TR CORE S&P SCP ETF 464287804 756 13,469 SH   SOLE   13,469 0 0
ISHARES TR S&P MC 400GR ETF 464287606 838 4,694 SH   SOLE   4,694 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,033 9,412 SH   SOLE   9,412 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,311 9,506 SH   SOLE   9,506 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,436 14,372 SH   SOLE   14,372 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 563 3,411 SH   SOLE   3,411 0 0
ISHARES TR S&P 500 VAL ETF 464287408 626 6,504 SH   SOLE   6,504 0 0
ISHARES TR TIPS BD ETF 464287176 1,378 11,684 SH   SOLE   11,684 0 0
ISHARES TR INTRM TR CRP ETF 464288638 1,640 29,852 SH   SOLE   29,852 0 0
JPMORGAN CHASE & CO COM 46625H100 2,835 31,489 SH   SOLE   31,489 0 0
JOHNSON & JOHNSON COM 478160104 2,312 17,631 SH   SOLE   17,631 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,689 54,134 SH   SOLE   54,134 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 177 1,393 SH   SOLE   1,393 0 0
KELLOGG CO COM 487836108 184 3,067 SH   SOLE   3,067 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 200 2,390 SH   SOLE   2,390 0 0
KIMBERLY CLARK CORP COM 494368103 444 3,475 SH   SOLE   3,475 0 0
LAUDER ESTEE COS INC CL A 518439104 177 1,110 SH   SOLE   1,110 0 0
LILLY ELI & CO COM 532457108 222 1,599 SH   SOLE   1,599 0 0
LINDE PLC SHS G5494J103 244 1,410 SH   SOLE   1,410 0 0
LOCKHEED MARTIN CORP COM 539830109 232 685 SH   SOLE   685 0 0
LOWES COS INC COM 548661107 784 9,115 SH   SOLE   9,115 0 0
MASTERCARD INC CL A 57636Q104 179 742 SH   SOLE   742 0 0
MCDONALDS CORP COM 580135101 404 2,445 SH   SOLE   2,445 0 0
MEDTRONIC PLC SHS G5960L103 306 3,395 SH   SOLE   3,395 0 0
MERCK & CO. INC COM 58933Y105 759 9,861 SH   SOLE   9,861 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 202 292 SH   SOLE   292 0 0
EQUINOX FDS TR MFAM SMLCP GRWTH 74933W874 290 13,905 SH   SOLE   13,905 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 684 10,091 SH   SOLE   10,091 0 0
MICROSOFT CORP COM 594918104 6,744 42,761 SH   SOLE   42,761 0 0
MONDELEZ INTL INC CL A 609207105 183 3,645 SH   SOLE   3,645 0 0
NETFLIX INC COM 64110L106 311 827 SH   SOLE   827 0 0
NEXTERA ENERGY INC COM 65339F101 281 1,166 SH   SOLE   1,166 0 0
NIKE INC CL B 654106103 290 3,500 SH   SOLE   3,500 0 0
NVIDIA CORP COM 67066G104 668 2,533 SH   SOLE   2,533 0 0
ORACLE CORP COM 68389X105 1,694 35,060 SH   SOLE   35,060 0 0
PAN AMERN SILVER CORP COM 697900108 258 18,000 SH   SOLE   18,000 0 0
PEPSICO INC COM 713448108 252 2,100 SH   SOLE   2,100 0 0
PFIZER INC COM 717081103 402 12,331 SH   SOLE   12,331 0 0
PHILLIPS 66 COM 718546104 193 3,592 SH   SOLE   3,592 0 0
POLARIS INC COM 731068102 493 10,245 SH   SOLE   10,245 0 0
PROCTER & GAMBLE CO COM 742718109 455 4,136 SH   SOLE   4,136 0 0
REALTY INCOME CORP COM 756109104 1,138 22,816 SH   SOLE   22,816 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 325 11,303 SH   SOLE   11,303 0 0
ROCKWELL AUTOMATION INC COM 773903109 220 1,455 SH   SOLE   1,455 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 203 5,825 SH   SOLE   5,825 0 0
ROYAL GOLD INC COM 780287108 292 3,325 SH   SOLE   3,325 0 0
SALESFORCE COM INC COM 79466L302 1,269 8,815 SH   SOLE   8,815 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 328 65,450 SH   SOLE   65,450 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 212 8,217 SH   SOLE   8,217 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 209 4,718 SH   SOLE   4,718 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 274 5,313 SH   SOLE   5,313 0 0
SHERWIN WILLIAMS CO COM 824348106 1,448 3,152 SH   SOLE   3,152 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 313 10,350 SH   SOLE   10,350 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,090 7,360 SH   SOLE   7,360 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2,214 112,265 SH   SOLE   112,265 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 194 4,745 SH   SOLE   4,745 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,253 4,766 SH   SOLE   4,766 0 0
STARBUCKS CORP COM 855244109 298 4,540 SH   SOLE   4,540 0 0
SYNOPSYS INC COM 871607107 232 1,800 SH   SOLE   1,800 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 223 785 SH   SOLE   785 0 0
TRAVELERS COMPANIES INC COM 89417E109 179 1,798 SH   SOLE   1,798 0 0
UNION PAC CORP COM 907818108 315 2,230 SH   SOLE   2,230 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,009 10,697 SH   SOLE   10,697 0 0
UNITEDHEALTH GROUP INC COM 91324P102 564 2,262 SH   SOLE   2,262 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 301 8,973 SH   SOLE   8,973 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 645 7,936 SH   SOLE   7,936 0 0
VARIAN MED SYS INC COM 92220P105 790 7,700 SH   SOLE   7,700 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 781 14,539 SH   SOLE   14,539 0 0
VISA INC COM CL A 92826C839 628 3,896 SH   SOLE   3,896 0 0
WALMART INC COM 931142103 320 2,815 SH   SOLE   2,815 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 938 20,506 SH   SOLE   20,506 0 0
ZOETIS INC CL A 98978V103 208 1,766 SH   SOLE   1,766 0 0