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
Expires: July 31, 2015
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
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 263,323 2,870 SH SOLE 0 0 2,870
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241 2,738,549 58,679 SH SOLE 0 0 58,679
VANECK ETF TRUST IG FLOA RATE ETF 92189F486 3,346,295 130,868 SH SOLE 0 0 130,868
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 603,569 11,825 SH SOLE 0 0 11,825
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,211,260 63,301 SH SOLE 0 0 63,301
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 845,982 16,991 SH SOLE 0 0 16,991
ISHARES TR PFD AND INCM SEC 464288687 3,630,941 114,831 SH SOLE 0 0 114,831
GLOBAL X FDS US PFD ETF 37954Y657 4,506,866 231,954 SH SOLE 0 0 231,954
SPDR SERIES TRUST ST STR PFD ETF 78464A292 802,543 24,268 SH SOLE 0 0 24,268
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,249,203 10,947 SH SOLE 0 0 10,947
INVESCO ACTIVELY MANAGED EXC VAR RATE INVT 46090A879 1,882,017 76,195 SH SOLE 0 0 76,195
APPLE INC COM 037833100 3,711,742 14,577 SH SOLE 0 0 14,577
ABBVIE INC COM 00287Y109 692,305 2,990 SH SOLE 0 0 2,990
AES CORP COM 00130H105 921,161 69,997 SH SOLE 0 0 69,997
ALLEGION PLC ORD SHS G0176J109 433,089 2,442 SH SOLE 0 0 2,442
APPLIED MATLS INC COM 038222105 1,411,682 6,895 SH SOLE 0 0 6,895
AMGEN INC COM 031162100 350,210 1,241 SH SOLE 0 0 1,241
AMERESCO INC CL A 02361E108 634,494 18,895 SH SOLE 0 0 18,895
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101 407,694 19,414 SH SOLE 0 0 19,414
AMAZON COM INC COM 023135106 470,319 2,142 SH SOLE 0 0 2,142
AIR PRODUCTS AND CHEMICALS I COM 009158106 570,258 2,091 SH SOLE 0 0 2,091
ALGONQUIN POWER & UTILITIES COM 015857105 314,806 58,623 SH SOLE 0 0 58,623
BROADCOM INC COM 11135F101 5,931,782 17,980 SH SOLE 0 0 17,980
AMERICAN EXPRESS CO COM 025816109 445,759 1,342 SH SOLE 0 0 1,342
BARRICK MNG CORP COM SHS 06849F108 1,571,387 47,952 SH SOLE 0 0 47,952
BANK OF AMER CORP COM 060505104 757,032 14,674 SH SOLE 0 0 14,674
BAXTER INTL INC COM 071813109 226,835 9,962 SH SOLE 0 0 9,962
BECTON DICKINSON & CO COM 075887109 353,938 1,891 SH SOLE 0 0 1,891
BUNGE GLOBAL SA COM SHS H11356104 486,931 5,993 SH SOLE 0 0 5,993
BLACK HILLS CORP COM 092113109 575,251 9,340 SH SOLE 0 0 9,340
BRISTOL-MYERS SQUIBB CO COM 110122108 1,178,102 26,122 SH SOLE 0 0 26,122
BERKSHIRE HATHAWAY INC DEL CL A 084670108 629,430 1,252 SH SOLE 0 0 1,252
CONAGRA BRANDS INC COM 205887102 570,357 31,150 SH SOLE 0 0 31,150
COMCAST CORP NEW CL A 20030N101 421,028 13,400 SH SOLE 0 0 13,400
CME GROUP INC COM 12572Q105 536,868 1,987 SH SOLE 0 0 1,987
CAPITAL ONE FINL CORP COM 14040H105 1,058,011 4,977 SH SOLE 0 0 4,977
COSTCO WHOLESALE CORPORATION COM 22160K105 873,795 944 SH SOLE 0 0 944
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 509,799 7,601 SH SOLE 0 0 7,601
CHEVRON CORPORATION COM 166764100 422,544 2,721 SH SOLE 0 0 2,721
DOMINION ENERGY INC COM 25746U109 820,290 13,410 SH SOLE 0 0 13,410
DROPBOX INC CL A 26210C104 305,755 10,121 SH SOLE 0 0 10,121
DOCUSIGN INC COM 256163106 944,739 13,105 SH SOLE 0 0 13,105
DARDEN RESTAURANTS INC COM 237194105 902,877 4,743 SH SOLE 0 0 4,743
EBAY INC. COM 278642103 437,742 4,813 SH SOLE 0 0 4,813
ENERGIZER HLDGS INC COM 29272W109 726,216 29,177 SH SOLE 0 0 29,177
ENERSYS COM 29275Y102 955,529 8,459 SH SOLE 0 0 8,459
WISDOMTREE TR INDIA ERNGS FD 97717W422 279,035 6,313 SH SOLE 0 0 6,313
ISHARES INC MSCI AUST ETF 464286103 352,539 13,057 SH SOLE 0 0 13,057
ISHARES INC MSCI AUSTRIA ETF 464286202 1,107,074 39,064 SH SOLE 0 0 39,064
ISHARES INC MSCI MEXICO ETF 464286822 1,119,599 16,414 SH SOLE 0 0 16,414
ISHARES INC MSCI BRAZIL ETF 464286400 200,322 6,462 SH SOLE 0 0 6,462
EXELIXIS INC COM 30161Q104 1,147,190 27,777 SH SOLE 0 0 27,777
EXPEDIA GROUP INC COM NEW 30212P303 1,377,405 6,444 SH SOLE 0 0 6,444
DIAMONDBACK ENERGY INC COM 25278X109 223,665 1,563 SH SOLE 0 0 1,563
F5 INC COM 315616102 320,281 991 SH SOLE 0 0 991
GEN DIGITAL INC COM 668771108 850,025 29,941 SH SOLE 0 0 29,941
SPDR GOLD TR GOLD SHS 78463V107 516,853 1,454 SH SOLE 0 0 1,454
ALPHABET INC CAP STK CL C 02079K107 292,504 1,201 SH SOLE 0 0 1,201
ALPHABET INC CAP STK CL A 02079K305 4,219,001 17,355 SH SOLE 0 0 17,355
HOME DEPOT INC COM 437076102 434,364 1,072 SH SOLE 0 0 1,072
HONEYWELL INTL INC COM *D* 438516106 512,989 2,437 SH SOLE 0 0 2,437
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1,054,803 42,948 SH SOLE 0 0 42,948
ICON PUB LTD CO SHS G4705A100 330,225 1,887 SH SOLE 0 0 1,887
ISHARES TR INDIA 50 ETF 464289529 322,095 6,187 SH SOLE 0 0 6,187
ISHARES TR RUSSELL 2000 ETF 464287655 1,414,982 5,848 SH SOLE 0 0 5,848
ISHARES TR DOW JONES US ETF 464287846 321,544 1,979 SH SOLE 0 0 1,979
JAZZ PHARMACEUTICALS PLC SHS USD G50871105 441,794 3,352 SH SOLE 0 0 3,352
JABIL INC COM 466313103 290,573 1,338 SH SOLE 0 0 1,338
JOHNSON CONTROLS INTERNATION SHS G51502105 228,916 2,082 SH SOLE 0 0 2,082
JOHNSON & JOHNSON COM 478160104 562,008 3,031 SH SOLE 0 0 3,031
JPMORGAN CHASE & CO COM 46625H100 1,422,905 4,511 SH SOLE 0 0 4,511
KBR INC COM 48242W106 597,178 12,628 SH SOLE 0 0 12,628
CHENIERE ENERGY INC COM NEW 16411R208 610,713 2,599 SH SOLE 0 0 2,599
MCDONALDS CORP COM 580135101 529,072 1,741 SH SOLE 0 0 1,741
MEDTRONIC PLC SHS G5960L103 915,637 9,614 SH SOLE 0 0 9,614
METHANEX CORP COM 59151K108 339,153 8,530 SH SOLE 0 0 8,530
MICROSOFT CORP COM 594918104 2,476,319 4,781 SH SOLE 0 0 4,781
NORTHERN TR CORP COM 665859104 572,588 4,254 SH SOLE 0 0 4,254
NVIDIA CORPORATION COM 67066G104 752,291 4,032 SH SOLE 0 0 4,032
NOVARTIS AG SPONSORED ADR 66987V109 276,614 2,157 SH SOLE 0 0 2,157
OWENS CORNING NEW COM 690742101 900,251 6,364 SH SOLE 0 0 6,364
PATRIA INVESTMENTS LIMITED COM CL A G69451105 1,284,391 87,972 SH SOLE 0 0 87,972
PEPSICO INC COM 713448108 845,168 6,018 SH SOLE 0 0 6,018
PROCTER & GAMBLE CO COM 742718109 226,326 1,473 SH SOLE 0 0 1,473
PUBLIC STORAGE COM 74460D109 451,184 1,562 SH SOLE 0 0 1,562
PAYPAL HLDGS INC COM 70450Y103 396,660 5,915 SH SOLE 0 0 5,915
QUALCOMM INC COM 747525103 274,494 1,650 SH SOLE 0 0 1,650
RYDER SYS INC COM 783549108 367,659 1,949 SH SOLE 0 0 1,949
ROGERS COMMUNICATIONS INC CL B 775109200 269,590 7,821 SH SOLE 0 0 7,821
RESIDEO TECHNOLOGIES INC COM 76118Y104 1,069,266 24,763 SH SOLE 0 0 24,763
RYMAN HOSPITALITY PPTYS INC COM 78377T107 706,865 7,890 SH SOLE 0 0 7,890
INVESCO ACTIVELY MANAGED EXC S&P 500 EQUA ETF 46090A697 438,966 2,314 SH SOLE 0 0 2,314
STAR BULK CARRIERS CORP. SHS PAR Y8162K204 440,360 23,688 SH SOLE 0 0 23,688
STARBUCKS CORP COM 855244109 265,390 3,137 SH SOLE 0 0 3,137
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,588,869 92,791 SH SOLE 0 0 92,791
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,496,687 32,887 SH SOLE 0 0 32,887
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,369,259 50,156 SH SOLE 0 0 50,156
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,384,873 102,443 SH SOLE 0 0 102,443
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,701,107 58,437 SH SOLE 0 0 58,437
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 337,559 12,815 SH SOLE 0 0 12,815
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,472,410 52,699 SH SOLE 0 0 52,699
SHELL PLC SPON ADS 780259305 303,931 4,249 SH SOLE 0 0 4,249
SCOTTS MIRACLE-GRO CO CL A 810186106 204,792 3,596 SH SOLE 0 0 3,596
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 468,991 704 SH SOLE 0 0 704
STATE STR CORP COM 857477103 538,866 4,645 SH SOLE 0 0 4,645
SYSCO CORP COM 871829107 553,325 6,720 SH SOLE 0 0 6,720
TRAVELERS COMPANIES INC COM 89417E109 568,213 2,035 SH SOLE 0 0 2,035
UNION PAC CORP COM 907818108 296,172 1,253 SH SOLE 0 0 1,253
UNITED PARCEL SVCS INC CL B 911312106 273,310 3,272 SH SOLE 0 0 3,272
US BANCORP COM NEW 902973304 424,337 8,780 SH SOLE 0 0 8,780
UNITED THERAPEUTICS CORP DEL COM 91307C102 369,743 882 SH SOLE 0 0 882
VISA INC COM CL A 92826C839 218,483 640 SH SOLE 0 0 640
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,255,391 6,015 SH SOLE 0 0 6,015
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 652,409 10,888 SH SOLE 0 0 10,888
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 502,845 1,937 SH SOLE 0 0 1,937
VALERO ENERGY CORP COM 91913Y100 528,657 3,105 SH SOLE 0 0 3,105
VODAFONE GROUP PLC SPONSORED ADR 92857W308 267,006 23,018 SH SOLE 0 0 23,018
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 383,390 2,196 SH SOLE 0 0 2,196
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,046,087 11,909 SH SOLE 0 0 11,909
VANGUARD WORLD FD UTILITIES ETF 92204A876 271,614 1,434 SH SOLE 0 0 1,434
VANGUARD INDEX FDS TOTAL STK MKT 922908769 312,004 951 SH SOLE 0 0 951
VIATRIS INC COM 92556V106 843,688 85,221 SH SOLE 0 0 85,221
VANGUARD INDEX FDS VALUE ETF 922908744 319,132 1,711 SH SOLE 0 0 1,711
VANGUARD INDEX FDS GROWTH ETF 922908736 414,863 865 SH SOLE 0 0 865
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 216,640 1,537 SH SOLE 0 0 1,537
VERIZON COMMUNICATIONS INC COM 92343V104 1,009,707 22,974 SH SOLE 0 0 22,974
WENDYS CO COM 95058W100 1,094,290 119,464 SH SOLE 0 0 119,464
WELLS FARGO & CO COM 949746101 429,158 5,120 SH SOLE 0 0 5,120
BERKLEY W R CORP COM 084423102 648,818 8,468 SH SOLE 0 0 8,468
EXXON MOBIL CORP COM 30231G102 449,985 3,991 SH SOLE 0 0 3,991