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
DISNEY WALT CO COM DISNEY 254687106 840 7,530 SH   SOLE 0 0 0 7,530
PFIZER INC COM 717081103 601 18,367 SH   SOLE 0 0 0 18,367
GENERAL ELECTRIC CO COM 369604103 1,071 156,871 SH   SOLE 0 0 0 156,871
ING GROEP N.V. SPONSORED ADR 456837103 927 134,335 SH   SOLE 0 0 0 134,335
MICRON TECHNOLOGY INC COM 595112103 428 8,300 SH   SOLE 0 0 0 8,300
SPDR SER TR BLOMBERG BRC INV 78468R200 366 12,000 SH   SOLE 0 0 0 12,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,117 19,836 SH   SOLE 0 0 0 19,836
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 225 4,475 SH   SOLE 0 0 0 4,475
ABBOTT LABS COM 002824100 598 6,537 SH   SOLE 0 0 0 6,537
PEPSICO INC COM 713448108 1,533 11,590 SH   SOLE 0 0 0 11,590
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 649 11,069 SH   SOLE 0 0 0 11,069
ISHARES TR TIPS BD ETF 464287176 245 1,991 SH   SOLE 0 0 0 1,991
AMERICAN EXPRESS CO COM 025816109 3,704 38,910 SH   SOLE 0 0 0 38,910
BK OF AMERICA CORP COM 060505104 398 16,766 SH   SOLE 0 0 0 16,766
UNION PAC CORP COM 907818108 278 1,646 SH   SOLE 0 0 0 1,646
AMAZON COM INC COM 023135106 11,383 4,126 SH   SOLE 0 0 0 4,126
VISTA OUTDOOR INC COM 928377100 269 18,600 SH   SOLE 0 0 0 18,600
AT&T INC COM 00206R102 259 8,559 SH   SOLE 0 0 0 8,559
MERCK & CO. INC COM 58933Y105 6,130 79,276 SH   SOLE 0 0 0 79,276
APPLE INC COM 037833100 7,194 19,721 SH   SOLE 0 0 0 19,721
PROCTER AND GAMBLE CO COM 742718109 15,167 126,847 SH   SOLE 0 0 0 126,847
PHILIP MORRIS INTL INC COM 718172109 8,407 120,000 SH   SOLE 0 0 0 120,000
AMERIPRISE FINL INC COM 03076C106 735 4,900 SH   SOLE 0 0 0 4,900
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,589 31,146 SH   SOLE 0 0 0 31,146
COLGATE PALMOLIVE CO COM 194162103 832 11,350 SH   SOLE 0 0 0 11,350
WPX ENERGY INC COM 98212B103 610 95,643 SH   SOLE 0 0 0 95,643
CONAGRA BRANDS INC COM 205887102 820 23,313 SH   SOLE 0 0 0 23,313
SCHLUMBERGER LTD COM 806857108 1,983 107,813 SH   SOLE 0 0 0 107,813
CADENCE DESIGN SYSTEM INC COM 127387108 489 5,091 SH   SOLE 0 0 0 5,091
WALMART INC COM 931142103 1,504 12,560 SH   SOLE 0 0 0 12,560
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 562 3,759 SH   SOLE 0 0 0 3,759
BRINKS CO COM 109696104 1,540 33,831 SH   SOLE 0 0 0 33,831
JPMORGAN CHASE & CO COM 46625H100 11,197 119,037 SH   SOLE 0 0 0 119,037
CISCO SYS INC COM 17275R102 2,024 43,393 SH   SOLE 0 0 0 43,393
IQVIA HLDGS INC COM 46266C105 12,755 89,897 SH   SOLE 0 0 0 89,897
VANGUARD WORLD FDS ENERGY ETF 92204A306 210 4,176 SH   SOLE 0 0 0 4,176
EXXON MOBIL CORP COM 30231G102 947 21,179 SH   SOLE 0 0 0 21,179
CHEVRON CORP NEW COM 166764100 8,256 92,522 SH   SOLE 0 0 0 92,522
ISHARES TR FLTG RATE NT ETF 46429B655 355 7,020 SH   SOLE 0 0 0 7,020
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 5,440 25,221 SH   SOLE 0 0 0 25,221
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 523 10,985 SH   SOLE 0 0 0 10,985
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7,847 43,959 SH   SOLE 0 0 0 43,959
ABBVIE INC COM 00287Y109 230 2,344 SH   SOLE 0 0 0 2,344
DIAGEO P L C SPON ADR NEW 25243Q205 1,123 8,353 SH   SOLE 0 0 0 8,353
VISA INC COM CL A 92826C839 6,138 31,775 SH   SOLE 0 0 0 31,775
BANCO SANTANDER S.A. ADR 05964H105 1,205 500,098 SH   SOLE 0 0 0 500,098
ISHARES TR NASDAQ BIOTECH 464287556 10,597 77,529 SH   SOLE 0 0 0 77,529
VANGUARD INDEX FDS MID CAP ETF 922908629 244 1,490 SH   SOLE 0 0 0 1,490
MONDELEZ INTL INC CL A 609207105 1,138 22,249 SH   SOLE 0 0 0 22,249
ZOETIS INC CL A 98978V103 6,316 46,086 SH   SOLE 0 0 0 46,086
ZIMMER BIOMET HOLDINGS INC COM 98956P102 8,878 74,379 SH   SOLE 0 0 0 74,379
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 538 2,791 SH   SOLE 0 0 0 2,791
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,761 76,117 SH   SOLE 0 0 0 76,117
BARCLAYS PLC ADR 06738E204 1,335 235,895 SH   SOLE 0 0 0 235,895
ELANCO ANIMAL HEALTH INC COM 28414H103 7,271 338,985 SH   SOLE 0 0 0 338,985
FACEBOOK INC CL A 30303M102 14,426 63,529 SH   SOLE 0 0 0 63,529
NUVEEN MUN VALUE FD INC COM 670928100 483 47,379 SH   SOLE 0 0 0 47,379
VIACOMCBS INC CL B 92556H206 496 21,272 SH   SOLE 0 0 0 21,272
AVALARA INC COM 05338G106 5,631 42,311 SH   SOLE 0 0 0 42,311
ISHARES GOLD TRUST ISHARES 464285105 6,989 411,378 SH   SOLE 0 0 0 411,378
ALTRIA GROUP INC COM 02209S103 2,294 58,435 SH   SOLE 0 0 0 58,435
HOME DEPOT INC COM 437076102 384 1,532 SH   SOLE 0 0 0 1,532
ISHARES TR CORE US AGGBD ET 464287226 224 1,892 SH   SOLE 0 0 0 1,892
CITIGROUP INC COM NEW 172967424 11,985 234,547 SH   SOLE 0 0 0 234,547
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 9,860 30,387 SH   SOLE 0 0 0 30,387
SPDR SER TR SPDR BLOOMBERG 78468R663 4,723 51,601 SH   SOLE 0 0 0 51,601
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 230 6,615 SH   SOLE 0 0 0 6,615
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,564 5,519 SH   SOLE 0 0 0 5,519
COCA COLA CO COM 191216100 304 6,800 SH   SOLE 0 0 0 6,800
INVESCO QQQ TR UNIT SER 1 46090E103 455 1,836 SH   SOLE 0 0 0 1,836
ISHARES TR INTRM TR CRP ETF 464288638 875 14,485 SH   SOLE 0 0 0 14,485
INTERNATIONAL BUSINESS MACHS COM 459200101 276 2,286 SH   SOLE 0 0 0 2,286
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 204 3,360 SH   SOLE 0 0 0 3,360
VERIZON COMMUNICATIONS INC COM 92343V104 8,261 149,842 SH   SOLE 0 0 0 149,842
NVIDIA CORPORATION COM 67066G104 342 900 SH   SOLE 0 0 0 900
3M CO COM 88579Y101 234 1,500 SH   SOLE 0 0 0 1,500
MICROSOFT CORP COM 594918104 17,830 87,614 SH   SOLE 0 0 0 87,614
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 469 5,038 SH   SOLE 0 0 0 5,038
SPDR S&P 500 ETF TR TR UNIT 78462F103 148 7,500 SH Put SOLE 0 0 0 7,500
ISHARES TR RUSSELL 2000 ETF 464287655 497 3,472 SH   SOLE 0 0 0 3,472
SPDR S&P 500 ETF TR TR UNIT 78462F103 289 17,600 SH Put SOLE 0 0 0 17,600
GOLDMAN SACHS GROUP INC COM 38141G104 8,757 44,314 SH   SOLE 0 0 0 44,314
ALPHABET INC CAP STK CL A 02079K305 4,711 3,322 SH   SOLE 0 0 0 3,322
ISHARES TR CORE 1 5 YR USD 46432F859 382 7,422 SH   SOLE 0 0 0 7,422
ISHARES TR ASIA 50 ETF 464288430 4,613 71,078 SH   SOLE 0 0 0 71,078
ALPHABET INC CAP STK CL C 02079K107 12,270 8,680 SH   SOLE 0 0 0 8,680
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,792 28,809 SH   SOLE 0 0 0 28,809
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,431 23,902 SH   SOLE 0 0 0 23,902
ISHARES TR USA QUALITY FCTR 46432F339 572 5,967 SH   SOLE 0 0 0 5,967
BP PLC SPONSORED ADR 055622104 5,220 223,822 SH   SOLE 0 0 0 223,822
KINDER MORGAN INC DEL COM 49456B101 4,820 317,729 SH   SOLE 0 0 0 317,729
JOHNSON & JOHNSON COM 478160104 916 6,512 SH   SOLE 0 0 0 6,512
M & T BK CORP COM 55261F104 815 7,835 SH   SOLE 0 0 0 7,835
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 14,968 148,952 SH   SOLE 0 0 0 148,952
PAYPAL HLDGS INC COM 70450Y103 20,673 118,653 SH   SOLE 0 0 0 118,653