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
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241 2,626,334 56,884 SH SOLE 0 0 56,884
VANECK ETF TRUST IG FLOA RATE ETF 92189F486 2,953,155 115,810 SH SOLE 0 0 115,810
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 602,017 11,823 SH SOLE 0 0 11,823
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,295,112 65,018 SH SOLE 0 0 65,018
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 816,337 16,572 SH SOLE 0 0 16,572
ISHARES TR PFD AND INCM SEC 464288687 3,496,796 113,976 SH SOLE 0 0 113,976
GLOBAL X FDS US PFD ETF 37954Y657 3,875,589 205,820 SH SOLE 0 0 205,820
SPDR SERIES TRUST ST STR PFD ETF 78464A292 770,752 24,268 SH SOLE 0 0 24,268
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,210,799 10,961 SH SOLE 0 0 10,961
INVESCO ACTIVELY MANAGED EXC VAR RATE INVT 46090A879 1,002,963 41,021 SH SOLE 0 0 41,021
APPLE INC COM 037833100 2,931,469 14,288 SH SOLE 0 0 14,288
ABBVIE INC COM 00287Y109 555,004 2,990 SH SOLE 0 0 2,990
ADOBE INC COM 00724F101 273,524 707 SH SOLE 0 0 707
AES CORP COM 00130H105 684,473 65,064 SH SOLE 0 0 65,064
ALLEGION PLC ORD SHS G0176J109 361,021 2,505 SH SOLE 0 0 2,505
APPLIED MATLS INC COM 038222105 1,262,268 6,895 SH SOLE 0 0 6,895
AMGEN INC COM 031162100 291,495 1,044 SH SOLE 0 0 1,044
AMERESCO INC CL A 02361E108 360,914 23,760 SH SOLE 0 0 23,760
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101 356,611 19,878 SH SOLE 0 0 19,878
AMAZON COM INC COM 023135106 397,315 1,811 SH SOLE 0 0 1,811
AIR PRODUCTS AND CHEMICALS I COM 009158106 564,402 2,001 SH SOLE 0 0 2,001
ALGONQUIN POWER & UTILITIES COM 015857105 527,653 92,086 SH SOLE 0 0 92,086
BROADCOM INC COM 11135F101 5,233,491 18,986 SH SOLE 0 0 18,986
AMERICAN EXPRESS CO COM 025816109 432,537 1,356 SH SOLE 0 0 1,356
BARRICK MNG CORP COM SHS 06849F108 1,068,649 51,328 SH SOLE 0 0 51,328
BANK OF AMER CORP COM 060505104 597,604 12,629 SH SOLE 0 0 12,629
BAXTER INTL INC COM 071813109 257,168 8,493 SH SOLE 0 0 8,493
BECTON DICKINSON & CO COM 075887109 388,252 2,254 SH SOLE 0 0 2,254
BUNGE GLOBAL SA COM SHS H11356104 481,118 5,993 SH SOLE 0 0 5,993
BLACK HILLS CORP COM 092113109 451,942 8,056 SH SOLE 0 0 8,056
BRISTOL-MYERS SQUIBB CO COM 110122108 1,222,149 26,402 SH SOLE 0 0 26,402
BERKSHIRE HATHAWAY INC DEL CL A 084670108 494,028 1,017 SH SOLE 0 0 1,017
CITIGROUP INC COM NEW 172967424 204,892 2,407 SH SOLE 0 0 2,407
CONAGRA BRANDS INC COM 205887102 616,188 30,102 SH SOLE 0 0 30,102
COMCAST CORP NEW CL A 20030N101 447,481 12,538 SH SOLE 0 0 12,538
CME GROUP INC COM 12572Q105 547,657 1,987 SH SOLE 0 0 1,987
CAPITAL ONE FINL CORP COM 14040H105 1,146,989 5,391 SH SOLE 0 0 5,391
COSTCO WHOLESALE CORPORATION COM 22160K105 885,006 894 SH SOLE 0 0 894
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 467,400 5,990 SH SOLE 0 0 5,990
CHEVRON CORPORATION COM 166764100 386,470 2,699 SH SOLE 0 0 2,699
DOMINION ENERGY INC COM 25746U109 845,765 14,964 SH SOLE 0 0 14,964
DARLING INGREDIENTS INC COM 237266101 205,597 5,419 SH SOLE 0 0 5,419
DROPBOX INC CL A 26210C104 273,502 9,563 SH SOLE 0 0 9,563
DOCUSIGN INC COM 256163106 978,688 12,565 SH SOLE 0 0 12,565
DARDEN RESTAURANTS INC COM 237194105 1,033,832 4,743 SH SOLE 0 0 4,743
EBAY INC. COM 278642103 488,904 6,566 SH SOLE 0 0 6,566
ENERGIZER HLDGS INC COM 29272W109 749,004 37,153 SH SOLE 0 0 37,153
ENERSYS COM 29275Y102 653,996 7,625 SH SOLE 0 0 7,625
WISDOMTREE TR INDIA ERNGS FD 97717W422 299,678 6,313 SH SOLE 0 0 6,313
ISHARES INC MSCI AUST ETF 464286103 337,633 12,828 SH SOLE 0 0 12,828
ISHARES INC MSCI AUSTRIA ETF 464286202 1,010,310 38,888 SH SOLE 0 0 38,888
ISHARES INC MSCI MEXICO ETF 464286822 1,010,989 16,694 SH SOLE 0 0 16,694
ISHARES INC MSCI BRAZIL ETF 464286400 228,982 7,937 SH SOLE 0 0 7,937
EXELIXIS INC COM 30161Q104 1,247,798 28,314 SH SOLE 0 0 28,314
EXPEDIA GROUP INC COM NEW 30212P303 1,108,565 6,572 SH SOLE 0 0 6,572
DIAMONDBACK ENERGY INC COM 25278X109 279,746 2,036 SH SOLE 0 0 2,036
F5 INC COM 315616102 390,857 1,328 SH SOLE 0 0 1,328
GEN DIGITAL INC COM 668771108 880,295 29,942 SH SOLE 0 0 29,942
SPDR GOLD TR GOLD SHS 78463V107 442,004 1,450 SH SOLE 0 0 1,450
ALPHABET INC CAP STK CL A 02079K305 2,926,828 16,608 SH SOLE 0 0 16,608
HOME DEPOT INC COM 437076102 292,212 797 SH SOLE 0 0 797
HONEYWELL INTL INC COM *D* 438516106 387,745 1,665 SH SOLE 0 0 1,665
HEWLETT PACKARD ENTERPRISE C COM 42824C109 890,168 43,529 SH SOLE 0 0 43,529
ICON PUB LTD CO SHS G4705A100 283,482 1,949 SH SOLE 0 0 1,949
ISHARES TR INDIA 50 ETF 464289529 367,098 6,593 SH SOLE 0 0 6,593
ISHARES TR RUSSELL 2000 ETF 464287655 1,264,529 5,860 SH SOLE 0 0 5,860
ISHARES TR DOW JONES US ETF 464287846 298,580 1,979 SH SOLE 0 0 1,979
JAZZ PHARMACEUTICALS PLC SHS USD G50871105 386,914 3,646 SH SOLE 0 0 3,646
JABIL INC COM 466313103 366,844 1,682 SH SOLE 0 0 1,682
JOHNSON CONTROLS INTERNATION SHS G51502105 219,901 2,082 SH SOLE 0 0 2,082
JOHNSON & JOHNSON COM 478160104 409,523 2,681 SH SOLE 0 0 2,681
JPMORGAN CHASE & CO COM 46625H100 1,170,657 4,038 SH SOLE 0 0 4,038
KBR INC COM 48242W106 564,350 11,772 SH SOLE 0 0 11,772
CHENIERE ENERGY INC COM NEW 16411R208 730,804 3,001 SH SOLE 0 0 3,001
MCDONALDS CORP COM 580135101 508,668 1,741 SH SOLE 0 0 1,741
MEDTRONIC PLC SHS G5960L103 840,144 9,638 SH SOLE 0 0 9,638
METHANEX CORP COM 59151K108 276,253 8,346 SH SOLE 0 0 8,346
META PLATFORMS INC CL A 30303M102 207,403 281 SH SOLE 0 0 281
MICROSOFT CORP COM 594918104 2,363,692 4,752 SH SOLE 0 0 4,752
NORTHERN TR CORP COM 665859104 550,269 4,340 SH SOLE 0 0 4,340
NVIDIA CORPORATION COM 67066G104 640,491 4,054 SH SOLE 0 0 4,054
NOVARTIS AG SPONSORED ADR 66987V109 236,817 1,957 SH SOLE 0 0 1,957
OWENS CORNING NEW COM 690742101 950,401 6,911 SH SOLE 0 0 6,911
PATRIA INVESTMENTS LIMITED COM CL A G69451105 1,203,297 85,583 SH SOLE 0 0 85,583
PEPSICO INC COM 713448108 784,978 5,945 SH SOLE 0 0 5,945
PROCTER & GAMBLE CO COM 742718109 234,678 1,473 SH SOLE 0 0 1,473
PERRIGO CO PLC SHS G97822103 247,400 9,259 SH SOLE 0 0 9,259
PUBLIC STORAGE COM 74460D109 403,453 1,375 SH SOLE 0 0 1,375
PAYPAL HLDGS INC COM 70450Y103 427,191 5,748 SH SOLE 0 0 5,748
RYDER SYS INC COM 783549108 325,950 2,050 SH SOLE 0 0 2,050
ROGERS COMMUNICATIONS INC CL B 775109200 229,242 7,729 SH SOLE 0 0 7,729
RESIDEO TECHNOLOGIES INC COM 76118Y104 763,144 34,594 SH SOLE 0 0 34,594
RYMAN HOSPITALITY PPTYS INC COM 78377T107 771,994 7,824 SH SOLE 0 0 7,824
RACKSPACE TECHNOLOGY INC COM 750102105 17,280 13,500 SH SOLE 0 0 13,500
STAR BULK CARRIERS CORP. SHS PAR Y8162K204 410,550 23,800 SH SOLE 0 0 23,800
STARBUCKS CORP COM 855244109 249,325 2,721 SH SOLE 0 0 2,721
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,281,023 90,159 SH SOLE 0 0 90,159
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,439,414 33,797 SH SOLE 0 0 33,797
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,328,843 50,145 SH SOLE 0 0 50,145
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,285,781 103,429 SH SOLE 0 0 103,429
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,720,591 62,183 SH SOLE 0 0 62,183
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 313,048 12,809 SH SOLE 0 0 12,809
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,467,984 53,674 SH SOLE 0 0 53,674
SHELL PLC SPON ADS 780259305 307,551 4,368 SH SOLE 0 0 4,368
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 434,966 704 SH SOLE 0 0 704
STATE STR CORP COM 857477103 563,177 5,296 SH SOLE 0 0 5,296
SYSCO CORP COM 871829107 508,973 6,720 SH SOLE 0 0 6,720
TRAVELERS COMPANIES INC COM 89417E109 540,163 2,019 SH SOLE 0 0 2,019
US BANCORP COM NEW 902973304 373,041 8,244 SH SOLE 0 0 8,244
UNITED THERAPEUTICS CORP DEL COM 91307C102 338,786 1,179 SH SOLE 0 0 1,179
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,296,036 6,646 SH SOLE 0 0 6,646
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 563,715 9,888 SH SOLE 0 0 9,888
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 550,321 2,216 SH SOLE 0 0 2,216
VALERO ENERGY CORP COM 91913Y100 417,374 3,105 SH SOLE 0 0 3,105
VODAFONE GROUP PLC SPONSORED ADR 92857W308 250,162 23,467 SH SOLE 0 0 23,467
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 303,257 1,844 SH SOLE 0 0 1,844
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,091,679 13,284 SH SOLE 0 0 13,284
VANGUARD WORLD FD UTILITIES ETF 92204A876 253,115 1,434 SH SOLE 0 0 1,434
VIATRIS INC COM 92556V106 850,145 95,201 SH SOLE 0 0 95,201
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 204,897 1,537 SH SOLE 0 0 1,537
VERIZON COMMUNICATIONS INC COM 92343V104 983,311 22,725 SH SOLE 0 0 22,725
WENDYS CO COM 95058W100 1,211,993 106,129 SH SOLE 0 0 106,129
WELLS FARGO & CO COM 949746101 413,179 5,157 SH SOLE 0 0 5,157
BERKLEY W R CORP COM 084423102 678,202 9,231 SH SOLE 0 0 9,231
EXXON MOBIL CORP COM 30231G102 458,473 4,253 SH SOLE 0 0 4,253