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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMGEN INC COM 031162100   611,221 2,753 SH   SOLE   0 0 2,753
CHEVRON CORP NEW COM 166764100   848,855 5,395 SH   SOLE   0 0 5,395
CISCO SYS INC COM 17275R102   1,109,260 21,439 SH   SOLE   0 0 21,439
COCA COLA CO COM 191216100   791,088 13,137 SH   SOLE   0 0 13,137
DOW INC COM 260557103   1,199,909 22,529 SH   SOLE   0 0 22,529
EXXON MOBIL CORP COM 30231G102   675,625 6,307 SH   SOLE   0 0 6,307
GABELLI UTIL TR COM 36240A101   267,078 39,392 SH   SOLE   0 0 39,392
GOLDMAN SACHS GROUP INC COM 38141G104   212,231 658 SH   SOLE   0 0 658
HP INC COM 40434L105   552,060 18,000 SH   SOLE   0 0 18,000
HEWLETT PACKARD ENTERPRISE CO COM 42824C109   487,200 29,000 SH   SOLE   0 0 29,000
EXXON MOBIL CORP COM 30231G102   204,246 658 SH   SOLE   0 0 658
INTEL CORP COM 458140100   394,039 11,787 SH   SOLE   0 0 11,787
INTERNATIONAL BUS MACHS COM 459200101   814,700 6,088 SH   SOLE   0 0 6,088
INVESCO QQQ TR UNIT SER 1 46090E103   722,698 1,958 SH   SOLE   0 0 1,958
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,816,772 133,877 SH   SOLE   0 0 133,877
ISHARES TR CORE S&P500 ETF 464287200   215,941 485 SH   SOLE   0 0 485
ISHARES TR RUS MD CP GR ETF 464287481   6,450,053 66,750 SH   SOLE   0 0 66,750
ISHARES TR CRE U S REIT ETF 464288521   2,565,493 49,903 SH   SOLE   0 0 49,903
ISHARES TR GRWT ALLOCAT ETF 464289867   1,340,736 26,059 SH   SOLE   0 0 26,059
ISHARES SILVER TR ISHARES 46428Q109   532,361 25,484 SH   SOLE   0 0 25,484
ISHARES TR FLTG RATE NT ETF 46429B655   7,697,438 151,465 SH   SOLE   0 0 151,465
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,754,446 17,976 SH   SOLE   0 0 17,976
ISHARES TR CORE MSCI EAFE 46432F842   9,967,970 147,674 SH   SOLE   0 0 147,674
JP MORGAN CHASE & CO COM 46625H100   513,170 3,525 SH   SOLE   0 0 3,525
JOHNSON & JOHNSON COM 478160104   292,752 1,769 SH   SOLE   0 0 1,769
MERCK & CO INC COM 58933Y105   490,468 4,251 SH   SOLE   0 0 4,251
MICROSOFT CORP COM 594918104   674,795 1,983 SH   SOLE   0 0 1,983
PFIZER INC COM 717081103   359,673 9,816 SH   SOLE   0 0 9,816
SPDR S&P 500 ETF TR TR UNIT 78462F103   326,425 737 SH   SOLE   0 0 737
SPDR GOLD TR GOLD SHS 78463V107   507,000 2,844 SH   SOLE   0 0 2,844
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   2,303,874 50,106 SH   SOLE   0 0 50,106
SIMON PPTY GROUP INC NEW COM 828806109   330,572 2,863 SH   SOLE   0 0 2,863
3M CO COM 88579Y101   621,459 6,209 SH   SOLE   0 0 6,209
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   2,238,263 80,600 SH   SOLE   0 0 80,600
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   29,578,313 370,702 SH   SOLE   0 0 370,702
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   6,255,039 41,084 SH   SOLE   0 0 41,084
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,017,299 6,263 SH   SOLE   0 0 6,263
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   769,681 10,590 SH   SOLE   0 0 10,590
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   18,282,037 172,358 SH   SOLE   0 0 172,358
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,121,412 24,872 SH   SOLE   0 0 24,872
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,026,535 12,285 SH   SOLE   0 0 12,285
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,118,212 9,616 SH   SOLE   0 0 9,616
VERIZON COMMUNICATIONS INC COM 92343V104   863,193 23,210 SH   SOLE   0 0 23,210
WALGREENS BOOTS ALLIANCE INC COM 931427108   798,299 28,020 SH   SOLE   0 0 28,020
WORLD GOLD TR SPDR GLD MINIS 98149E303   10,090,650 264,916 SH   SOLE   0 0 264,916