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
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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
Accenture PLC SHS CLASS A G1151C101 52,301 196 SH SOLE NONE 196 0 0
Agnico Eagle Mines Ltd. COM 008474108 958,488 18,436 SH SOLE NONE 18,436 0 0
Alphabet Inc. Class A CAP STK CL A 02079K305 98,641 1,118 SH SOLE NONE 1,118 0 0
Amazon.com Inc. COM 023135106 28,896 344 SH SOLE NONE 344 0 0
American Express Company COM 025816109 470,141 3,182 SH SOLE NONE 3,182 0 0
Apple Inc. COM 037833100 30,630 236 SH SOLE NONE 236 0 0
Arbitrage Fund MERGER ARBITRAGE 02210T108 65,944 2,560 SH SOLE NONE 2,560 0 0
Bank Of New York Company COM 064058100 353,235 7,760 SH SOLE NONE 7,760 0 0
Becton Dickinson & Co. COM 075887109 823,121 3,237 SH SOLE NONE 3,237 0 0
Berkshire Hathaway Inc. CL B NEW 084670702 643,748 2,084 SH SOLE NONE 2,084 0 0
Brookfield Asset Management CL A LMT VTG SHS 113004105 174,715 6,094 SH SOLE NONE 6,094 0 0
Brookfield Corporation CL A LTD VT SH 11271J107 788,954 25,078 SH SOLE NONE 25,078 0 0
Charles Schwab Corp. COM 808513105 101,161 1,215 SH SOLE NONE 1,215 0 0
Cisco Systems, Inc. COM 17275R102 1,193,620 25,055 SH SOLE NONE 25,055 0 0
CME Group Inc. COM 12572Q105 30,561 177 SH SOLE NONE 177 0 0
Coca-Cola Company COM 191216100 1,149,927 18,078 SH SOLE NONE 18,078 0 0
Cognizant Technology Solutions Corp. CL A 192446102 73,489 1,285 SH SOLE NONE 1,285 0 0
Comcast Corp. CL A 20030N101 1,153,905 32,997 SH SOLE NONE 32,997 0 0
ConocoPhillips COM 20825C104 687,598 5,793 SH SOLE NONE 5,793 0 0
Corteva Inc Com COM 22052L104 5,878 100 SH SOLE NONE 100 0 0
CVS Health Corp. COM 126650100 1,028,072 11,032 SH SOLE NONE 11,032 0 0
Direxion Daily Gold DLY GOLD INDX 2X 25460G781 172 5 SH SOLE NONE 5 0 0
Dominion Energy Inc. COM 25746U109 849,221 13,849 SH SOLE NONE 13,849 0 0
Duke Energy Corporation COM NEW 26441C204 1,046,275 10,159 SH SOLE NONE 10,159 0 0
Emerson Electric Co. COM 291011104 1,059,734 11,032 SH SOLE NONE 11,032 0 0
Enbridge Inc. COM 29250N105 1,096,560 28,045 SH SOLE NONE 28,045 0 0
Eog Res Inc Com COM 26875P101 8,419 65 SH SOLE NONE 65 0 0
First Tr Lrg Cp Grw COM SHS 33735K108 1,006 11 SH SOLE NONE 11 0 0
FlexShares Global Infrastructure STOXX GLOBR INF 33939L795 170,890 3,390 SH SOLE NONE 3,390 0 0
FlexShares Global Natural Resources MORNSTAR UPSTR 33939L407 2,956 68 SH SOLE NONE 68 0 0
Fox Corporation CL A COM 35137L105 412,971 13,598 SH SOLE NONE 13,598 0 0
General Mills Inc COM 370334104 532,699 6,353 SH SOLE NONE 6,353 0 0
Graham Hldgs Co Com Cl B COM CL B 384637104 6,042 10 SH SOLE NONE 10 0 0
GS Treasury 0-1 Year T-Bill ACCES TREASURY 381430529 17,543 175 SH SOLE NONE 175 0 0
Honeywell International Inc. COM 438516106 67,719 316 SH SOLE NONE 316 0 0
Intel Corporation COM 458140100 68,982 2,610 SH SOLE NONE 2,610 0 0
iShares Conservative Allocation Fund CONSER ALLOC ETF 464289883 34 1 SH SOLE NONE 1 0 0
iShares Gold Trust ISHARES NEW 464285204 510,099 14,747 SH SOLE NONE 14,747 0 0
Ishares MSCI ETF MSCI ACWI ETF 464288257 2,037 24 SH SOLE NONE 24 0 0
iShares Short Maturity Municpal BLACKROCK SHORT 46431W838 2,857 57 SH SOLE NONE 57 0 0
Ishares Tr S&P Midcap 400 Index Fd CORE S&P MCP ETF 464287507 1,209 5 SH SOLE NONE 5 0 0
Johnson & Johnson COM 478160104 1,168,434 6,614 SH SOLE NONE 6,614 0 0
Jones Lang Lasalle Inc Com COM 48020Q107 2,869 18 SH SOLE NONE 18 0 0
Linde PLC SHS G5494J103 66,867 205 SH SOLE NONE 205 0 0
Lockheed Martin Corp. COM 539830109 1,237,631 2,544 SH SOLE NONE 2,544 0 0
Loews Corporation COM 540424108 17,207 295 SH SOLE NONE 295 0 0
Market Vectors Wide Moat ETF MRNGSTR WDE MOAT 92189F643 1,168 18 SH SOLE NONE 18 0 0
McDonald's Corporation COM 580135101 897,847 3,407 SH SOLE NONE 3,407 0 0
Medtronic PLC SHS G5960L103 896,054 11,430 SH SOLE NONE 11,430 0 0
Merck & Co. Inc. COM 58933Y105 884,171 7,917 SH SOLE NONE 7,917 0 0
Microsoft Corporation COM 594918104 1,191,776 4,969 SH SOLE NONE 4,969 0 0
Nike Inc. CL B 654106103 66,849 571 SH SOLE NONE 571 0 0
Nutrien Ltd. COM 67077M108 466,385 6,345 SH SOLE NONE 6,345 0 0
Omnicom Group Inc. COM 681919106 730,848 8,884 SH SOLE NONE 8,884 0 0
O'Shares Global Internet OSHS GBL INTER 67110P704 267 11 SH SOLE NONE 11 0 0
PACCAR Inc. COM 693718108 51,394 505 SH SOLE NONE 505 0 0
PepsiCo Inc. COM 713448108 1,229,728 6,764 SH SOLE NONE 6,764 0 0
Pfizer Inc. COM 717081103 1,207,881 23,573 SH SOLE NONE 23,573 0 0
Physical Swiss Gold ETF PHYSCL GOLD SHS 00326A104 184,745 10,575 SH SOLE NONE 10,575 0 0
PIMCO Short Maturity Fund ENHAN SHRT MA AC 72201R833 112,582 1,137 SH SOLE NONE 1,137 0 0
PIMCO Short-Term Municipal SHTRM MUN BD ACT 72201R874 2,485 50 SH SOLE NONE 50 0 0
Procter & Gamble Company COM 742718109 800,843 5,284 SH SOLE NONE 5,284 0 0
Proshares Ultrapro Qqq ULTRAPRO QQQ 74347X831 484 28 SH SOLE NONE 28 0 0
Raytheon Technologies Company COM 75513E101 892,032 8,839 SH SOLE NONE 8,839 0 0
Royal Gold, Inc. COM 780287108 598,092 5,306 SH SOLE NONE 5,306 0 0
Schwab Fundamental International ETF SCHWB FDT INT LG 808524755 25,116 864 SH SOLE NONE 864 0 0
Schwab US Broad Market ETF SCHWAB FDT US BM 808524789 54,935 1,044 SH SOLE NONE 1,044 0 0
SPDR Blmbg Barclays 1-3 Mth T-Bill BLOOMBERG 1-3 MO 78468R663 2,079,381 22,733 SH SOLE NONE 22,733 0 0
Spdr S&P 600 Small Cap S&P 600 SML CAP 78464A813 1,069 13 SH SOLE NONE 13 0 0
Travelers Companies Inc. COM 89417E109 12,187 65 SH SOLE NONE 65 0 0
U.S. Bancorp COM NEW 902973304 1,054,589 23,919 SH SOLE NONE 23,919 0 0
United Parcel Service Inc. CL B 911312106 2,608 15 SH SOLE NONE 15 0 0
UnitedHealth Group Inc. COM 91324P102 77,406 146 SH SOLE NONE 146 0 0
Vaneck Vectors Mortgage MORTGAGE REIT 92189F452 220 19 SH SOLE NONE 19 0 0
Vanguard Bond Index TOTAL BND MRKT 921937835 18,391 256 SH SOLE NONE 256 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 242,960 1,600 SH SOLE NONE 1,600 0 0
Vanguard Emerging Markets FTSE EMR MKT ETF 922042858 276,524 7,094 SH SOLE NONE 7,094 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 649,612 15,478 SH SOLE NONE 15,478 0 0
Vanguard Growth ETF GROWTH ETF 922908736 299,846 1,407 SH SOLE NONE 1,407 0 0
Vanguard High Dividend Yield Fund HIGH DIV YLD 921946406 23,265 215 SH SOLE NONE 215 0 0
Vanguard Intermediate-Term Bond INTERMED TERM 921937819 707,080 9,514 SH SOLE NONE 9,514 0 0
Vanguard International Bond TOTAL INT BD ETF 92203J407 2,846 60 SH SOLE NONE 60 0 0
Vanguard International High Dividend INTL HIGH ETF 921946794 149,819 2,515 SH SOLE NONE 2,515 0 0
Vanguard International Stock VG TL INTL STK F 921909768 345,128 6,673 SH SOLE NONE 6,673 0 0
Vanguard Mortgage-Backed Secs MTG-BKD SECS ETF 92206C771 1,816,751 39,911 SH SOLE NONE 39,911 0 0
Vanguard Quality Factor US QUALITY 921935706 734 7 SH SOLE NONE 7 0 0
Vanguard Short-Term Bond SHORT TRM BOND 921937827 6,512,504 86,510 SH SOLE NONE 86,510 0 0
Vanguard Short-Term Corp. Bond SHRT TRM CORP BD 92206C409 2,404,127 31,974 SH SOLE NONE 31,974 0 0
Vanguard Short-Term Infl-Prot Secs STRM INFPROIDX 922020805 2,580,105 55,237 SH SOLE NONE 55,237 0 0
Vanguard Small-Cap Equity ETF SMALL CP ETF 922908751 117,833 642 SH SOLE NONE 642 0 0
Vanguard Stock Market TOTAL STK MKT 922908769 187,025 978 SH SOLE NONE 978 0 0
Vanguard Total World Bond Market TOTAL WLD BD ETF 92206C565 586,167 8,742 SH SOLE NONE 8,742 0 0
Vanguard Total World Stock Market TT WRLD ST ETF 922042742 18,358 213 SH SOLE NONE 213 0 0
Vanguard U.S. Minimum Volatility US MINIMUM 921935409 162,425 1,651 SH SOLE NONE 1,651 0 0
Vanguard U.S. Multifactor US MULTIFACTOR 921935607 82,032 830 SH SOLE NONE 830 0 0
Vanguard Ultra-Short Bond VANGUARD ULTRA 92203C303 631,133 12,880 SH SOLE NONE 12,880 0 0
Vanguard Value ETF VALUE ETF 922908744 1,000,307 7,126 SH SOLE NONE 7,126 0 0
Verizon Communications Inc. COM 92343V104 1,171,698 29,739 SH SOLE NONE 29,739 0 0
Visa Inc. COM CL A 92826C839 45,499 219 SH SOLE NONE 219 0 0
W.R. Berkley Corporation COM 084423102 811,550 11,183 SH SOLE NONE 11,183 0 0
Walmart Inc. COM 931142103 859,066 6,035 SH SOLE NONE 6,035 0 0
Waste Management Inc. COM 94106L109 723,060 4,609 SH SOLE NONE 4,609 0 0
Williams Companies COM 969457100 355,814 10,815 SH SOLE NONE 10,815 0 0