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
PFIZER INC COM 717081103 397 10,784 SH   SOLE 0 0 0 10,784
ISHARES TR HDG MSCI EAFE 46434V803 986 32,373 SH   SOLE 0 0 0 32,373
BECTON DICKINSON & CO COM 075887109 934 3,734 SH   SOLE 0 0 0 3,734
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 582 4,565 SH   SOLE 0 0 0 4,565
GENERAL ELECTRIC CO COM 369604103 147 13,654 SH   SOLE 0 0 0 13,654
KIMBERLY-CLARK CORP COM 494368103 631 4,680 SH   SOLE 0 0 0 4,680
DISNEY WALT CO COM 254687106 1,251 6,905 SH   SOLE 0 0 0 6,905
MICRON TECHNOLOGY INC COM 595112103 462 6,149 SH   SOLE 0 0 0 6,149
SPDR S&P 500 ETF TR TR UNIT 78462F103 662 1,770 SH   SOLE 0 0 0 1,770
ABBOTT LABS COM 002824100 206 1,878 SH   SOLE 0 0 0 1,878
APPLE HOSPITALITY REIT INC COM NEW 03784Y200 154 11,960 SH   SOLE 0 0 0 11,960
IDEXX LABS INC COM 45168D104 250 500 SH   SOLE 0 0 0 500
CVS HEALTH CORP COM 126650100 944 13,828 SH   SOLE 0 0 0 13,828
COSTCO WHSL CORP NEW COM 22160K105 888 2,356 SH   SOLE 0 0 0 2,356
PEPSICO INC COM 713448108 334 2,254 SH   SOLE 0 0 0 2,254
NUVEEN AMT FREE QLTY MUN INC COM 670657105 156 10,338 SH   SOLE 0 0 0 10,338
UNION PAC CORP COM 907818108 255 1,223 SH   SOLE 0 0 0 1,223
CATERPILLAR INC COM 149123101 300 1,646 SH   SOLE 0 0 0 1,646
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,271 4,157 SH   SOLE 0 0 0 4,157
TRAVELERS COMPANIES INC COM 89417E109 332 2,367 SH   SOLE 0 0 0 2,367
ISHARES TR MSCI USA MIN VOL 46429B697 1,557 22,932 SH   SOLE 0 0 0 22,932
APPLE INC COM 037833100 3,794 28,593 SH   SOLE 0 0 0 28,593
AMAZON COM INC COM 023135106 1,374 422 SH   SOLE 0 0 0 422
AT&T INC COM 00206R102 1,253 43,575 SH   SOLE 0 0 0 43,575
MERCK & CO. INC COM 58933Y105 359 4,383 SH   SOLE 0 0 0 4,383
TRANE TECHNOLOGIES PLC SHS G8994E103 228 1,573 SH   SOLE 0 0 0 1,573
ISHARES TR MSCI USA QLT FCT 46432F339 8,402 72,302 SH   SOLE 0 0 0 72,302
PALO ALTO NETWORKS INC COM 697435105 635 1,786 SH   SOLE 0 0 0 1,786
PHILIP MORRIS INTL INC COM 718172109 417 5,035 SH   SOLE 0 0 0 5,035
PROCTER AND GAMBLE CO COM 742718109 1,094 7,863 SH   SOLE 0 0 0 7,863
BOEING CO COM 097023105 266 1,242 SH   SOLE 0 0 0 1,242
VANGUARD INDEX FDS GROWTH ETF 922908736 401 1,584 SH   SOLE 0 0 0 1,584
ORACLE CORP COM 68389X105 209 3,225 SH   SOLE 0 0 0 3,225
KRANESHARES TR BOSERA MSCI CH 500767405 532 11,603 SH   SOLE 0 0 0 11,603
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 658 9,409 SH   SOLE 0 0 0 9,409
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 438 7,519 SH   SOLE 0 0 0 7,519
DUKE ENERGY CORP NEW COM NEW 26441C204 227 2,477 SH   SOLE 0 0 0 2,477
AMERICAN EQTY INVT LIFE HLD COM 025676206 469 16,961 SH   SOLE 0 0 0 16,961
ISHARES TR JPMORGAN USD EMG 464288281 1,524 13,149 SH   SOLE 0 0 0 13,149
VERU INC COM 92536C103 173 20,000 SH   SOLE 0 0 0 20,000
INTEL CORP COM 458140100 603 12,113 SH   SOLE 0 0 0 12,113
WALMART INC COM 931142103 1,124 7,800 SH   SOLE 0 0 0 7,800
ISHARES TR SP SMCP600VL ETF 464287879 1,189 14,619 SH   SOLE 0 0 0 14,619
ISHARES TR CORE S&P SCP ETF 464287804 1,516 16,499 SH   SOLE 0 0 0 16,499
ISHARES TR US TREAS BD ETF 46429B267 345 12,676 SH   SOLE 0 0 0 12,676
JPMORGAN CHASE & CO COM 46625H100 301 2,370 SH   SOLE 0 0 0 2,370
INVESCO CALIF MUN INCOME TR COM 46132P108 1,096 70,050 SH   SOLE 0 0 0 70,050
EXXON MOBIL CORP COM 30231G102 433 10,517 SH   SOLE 0 0 0 10,517
ABBVIE INC COM 00287Y109 234 2,182 SH   SOLE 0 0 0 2,182
CHEVRON CORP NEW COM 166764100 243 2,879 SH   SOLE 0 0 0 2,879
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 342 1,477 SH   SOLE 0 0 0 1,477
ISHARES TR BARCLAYS 7 10 YR 464287440 9,854 82,154 SH   SOLE 0 0 0 82,154
ISHARES INC CORE MSCI EMKT 46434G103 1,448 23,342 SH   SOLE 0 0 0 23,342
ISHARES TR FLTG RATE NT ETF 46429B655 2,934 57,843 SH   SOLE 0 0 0 57,843
KRANESHARES TR CSI CHI INTERNET 500767306 625 8,143 SH   SOLE 0 0 0 8,143
VANGUARD INDEX FDS VALUE ETF 922908744 241 2,024 SH   SOLE 0 0 0 2,024
GILEAD SCIENCES INC COM 375558103 240 4,113 SH   SOLE 0 0 0 4,113
LABORATORY CORP AMER HLDGS COM NEW 50540R409 582 2,860 SH   SOLE 0 0 0 2,860
VISA INC COM CL A 92826C839 254 1,161 SH   SOLE 0 0 0 1,161
ISHARES TR IBOXX INV CP ETF 464287242 6,026 43,627 SH   SOLE 0 0 0 43,627
ISHARES TR ISHS 5-10YR INVT 464288638 475 7,695 SH   SOLE 0 0 0 7,695
LILLY ELI & CO COM 532457108 240 1,419 SH   SOLE 0 0 0 1,419
WALGREENS BOOTS ALLIANCE INC COM 931427108 557 13,964 SH   SOLE 0 0 0 13,964
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 476 3,664 SH   SOLE 0 0 0 3,664
AUTOMATIC DATA PROCESSING IN COM 053015103 223 1,265 SH   SOLE 0 0 0 1,265
FACEBOOK INC CL A 30303M102 889 3,254 SH   SOLE 0 0 0 3,254
ALTRIA GROUP INC COM 02209S103 381 9,299 SH   SOLE 0 0 0 9,299
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 418 1,241 SH   SOLE 0 0 0 1,241
BERKSHIRE HATHAWAY INC DEL CL A 084670108 348 1 SH   SOLE 0 0 0 1
ISHARES GOLD TRUST ISHARES 464285105 5,989 330,327 SH   SOLE 0 0 0 330,327
CITIGROUP INC COM NEW 172967424 456 7,401 SH   SOLE 0 0 0 7,401
HOME DEPOT INC COM 437076102 358 1,348 SH   SOLE 0 0 0 1,348
ADVANCED MICRO DEVICES INC COM 007903107 862 9,402 SH   SOLE 0 0 0 9,402
INVESCO QQQ TR UNIT SER 1 46090E103 357 1,139 SH   SOLE 0 0 0 1,139
COCA COLA CO COM 191216100 765 13,950 SH   SOLE 0 0 0 13,950
LOCKHEED MARTIN CORP COM 539830109 295 831 SH   SOLE 0 0 0 831
INTERNATIONAL BUSINESS MACHS COM 459200101 464 3,687 SH   SOLE 0 0 0 3,687
3M CO COM 88579Y101 703 4,024 SH   SOLE 0 0 0 4,024
WYNDHAM HOTELS & RESORTS INC COM 98311A105 262 4,400 SH   SOLE 0 0 0 4,400
VERIZON COMMUNICATIONS INC COM 92343V104 1,303 22,173 SH   SOLE 0 0 0 22,173
ISHARES TR S&P 500 GRWT ETF 464287309 2,684 42,054 SH   SOLE 0 0 0 42,054
STARBUCKS CORP COM 855244109 460 4,299 SH   SOLE 0 0 0 4,299
DOMINION ENERGY INC COM 25746U109 979 13,023 SH   SOLE 0 0 0 13,023
MICROSOFT CORP COM 594918104 2,030 9,127 SH   SOLE 0 0 0 9,127
ISHARES TR RUSSELL 2000 ETF 464287655 1,514 7,720 SH   SOLE 0 0 0 7,720
ISHARES TR CORE MSCI EAFE 46432F842 1,089 15,755 SH   SOLE 0 0 0 15,755
ADOBE SYSTEMS INCORPORATED COM 00724F101 578 1,156 SH   SOLE 0 0 0 1,156
ISHARES TR S&P 500 VAL ETF 464287408 2,692 21,027 SH   SOLE 0 0 0 21,027
SPDR GOLD TR GOLD SHS 78463V107 575 3,223 SH   SOLE 0 0 0 3,223
ISHARES TR CORE S&P MCP ETF 464287507 2,742 11,929 SH   SOLE 0 0 0 11,929
MCDONALDS CORP COM 580135101 893 4,161 SH   SOLE 0 0 0 4,161
TELUS CORPORATION COM 87971M103 518 26,155 SH   SOLE 0 0 0 26,155
ISHARES TR MBS ETF 464288588 2,966 26,929 SH   SOLE 0 0 0 26,929
ENBRIDGE INC COM 29250N105 366 11,451 SH   SOLE 0 0 0 11,451
ALPHABET INC CAP STK CL A 02079K305 799 456 SH   SOLE 0 0 0 456
CLOROX CO DEL COM 189054109 728 3,606 SH   SOLE 0 0 0 3,606
HONEYWELL INTL INC COM 438516106 665 3,126 SH   SOLE 0 0 0 3,126
BERKLEY W R CORP COM 084423102 359 5,410 SH   SOLE 0 0 0 5,410
ARK ETF TR GENOMIC REV ETF 00214Q302 580 6,215 SH   SOLE 0 0 0 6,215
ISHARES TR MSCI USA MMENTM 46432F396 3,657 22,675 SH   SOLE 0 0 0 22,675
ISHARES TR CORE S&P500 ETF 464287200 8,282 22,063 SH   SOLE 0 0 0 22,063
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,897 32,405 SH   SOLE 0 0 0 32,405
UNITED PARCEL SERVICE INC CL B 911312106 731 4,338 SH   SOLE 0 0 0 4,338
JOHNSON & JOHNSON COM 478160104 1,217 7,735 SH   SOLE 0 0 0 7,735
GABELLI UTIL TR COM 36240A101 112 13,848 SH   SOLE 0 0 0 13,848
TEKLA WORLD HEALTHCARE FD BEN INT SHS 87911L108 345 21,799 SH   SOLE 0 0 0 21,799
DOLLAR GEN CORP NEW COM 256677105 211 1,004 SH   SOLE 0 0 0 1,004