<SEC-DOCUMENT>0000905729-19-000147.txt : 20190719 <SEC-HEADER>0000905729-19-000147.hdr.sgml : 20190719 <ACCEPTANCE-DATETIME>20190719094456 ACCESSION NUMBER: 0000905729-19-000147 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20190630 FILED AS OF DATE: 20190719 DATE AS OF CHANGE: 20190719 EFFECTIVENESS DATE: 20190719 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Mackey Komara & Dankovich, LLC CENTRAL INDEX KEY: 0001536549 IRS NUMBER: 208083992 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18960 FILM NUMBER: 19962445 BUSINESS ADDRESS: STREET 1: 1301 W LONG LAKE RD STREET 2: STE 210 CITY: TROY STATE: MI ZIP: 48098 BUSINESS PHONE: 248-418-5100 MAIL ADDRESS: STREET 1: 1301 W LONG LAKE RD STREET 2: STE 210 CITY: TROY STATE: MI ZIP: 48098 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission 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COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>713448108</cusip> <value>38</value> <shrsOrPrnAmt> <sshPrnamt>858</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>858</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES 1-3 YR TREASURY BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287457</cusip> <value>2497</value> <shrsOrPrnAmt> <sshPrnamt>29449</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>29449</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NEWELL BRANDS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>651229106</cusip> <value>15</value> <shrsOrPrnAmt> <sshPrnamt>948</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>948</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CRONOS GROUP INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>22717L101</cusip> <value>14</value> <shrsOrPrnAmt> <sshPrnamt>900</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>900</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNILEVER N V N Y SHS NEW</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>904784709</cusip> <value>30</value> <shrsOrPrnAmt> <sshPrnamt>497</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>497</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>494368103</cusip> <value>5</value> <shrsOrPrnAmt> <sshPrnamt>524</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>524</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>438516106</cusip> <value>33</value> <shrsOrPrnAmt> <sshPrnamt>1798</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1798</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROSHARES MANAGED FUTURES STRATEGY ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>74347B532</cusip> <value>70</value> <shrsOrPrnAmt> <sshPrnamt>1760</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1760</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FORD MOTOR COMPANY</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>345370860</cusip> <value>152</value> <shrsOrPrnAmt> <sshPrnamt>14843</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14843</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TCF FINL CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>872275102</cusip> <value>110</value> <shrsOrPrnAmt> <sshPrnamt>5271</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5271</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>APPIAN CORP CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>03782L101</cusip> <value>4</value> <shrsOrPrnAmt> <sshPrnamt>100</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>100</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HOME DEPOT</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>437076102</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>1610</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1610</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AUTOMATIC DATA PROCESSING INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>053015103</cusip> <value>35</value> <shrsOrPrnAmt> <sshPrnamt>1084</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1084</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DUPONT DE NEMOURS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>26614N102</cusip> <value>57</value> <shrsOrPrnAmt> <sshPrnamt>756</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>756</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>842587107</cusip> <value>133</value> <shrsOrPrnAmt> <sshPrnamt>2405</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2405</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB U.S. SMALL-CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524607</cusip> <value>5</value> <shrsOrPrnAmt> <sshPrnamt>73</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>73</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>KEYCORP NEW COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>493267108</cusip> <value>21</value> <shrsOrPrnAmt> <sshPrnamt>1205</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1205</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287614</cusip> <value>44</value> <shrsOrPrnAmt> <sshPrnamt>280</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>280</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB INTERNATIONAL EQUITY ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524805</cusip> <value>53</value> <shrsOrPrnAmt> <sshPrnamt>1665</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1665</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB U.S. LARGE-CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524201</cusip> <value>55</value> <shrsOrPrnAmt> <sshPrnamt>788</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>788</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STITCH FIX INC COM CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>860897107</cusip> <value>13</value> <shrsOrPrnAmt> <sshPrnamt>400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PINNACLE WEST CAP CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>723484101</cusip> <value>33</value> <shrsOrPrnAmt> <sshPrnamt>350</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>350</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LINCOLN ELEC HLDGS INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>533900106</cusip> <value>17</value> <shrsOrPrnAmt> <sshPrnamt>204</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>204</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABERDEEN STANDARD PHYSICAL PLATINUM SHARES ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>003260106</cusip> <value>24</value> <shrsOrPrnAmt> <sshPrnamt>310</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>310</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES S&P SMALLCAP 600 ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287804</cusip> <value>4468</value> <shrsOrPrnAmt> <sshPrnamt>57076</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>57076</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB EMERGING MARKETS EQUITY ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524706</cusip> <value>8</value> <shrsOrPrnAmt> <sshPrnamt>292</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>292</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WEYERHAEUSER CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>962166104</cusip> <value>38</value> <shrsOrPrnAmt> <sshPrnamt>1440</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1440</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GOOGLE INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>02079K305</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>830</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>830</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HALLIBURTON CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>406216101</cusip> <value>17</value> <shrsOrPrnAmt> <sshPrnamt>745</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>745</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>20030N101</cusip> <value>29</value> <shrsOrPrnAmt> <sshPrnamt>1032</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1032</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MICROSOFT</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>594918104</cusip> <value>113</value> <shrsOrPrnAmt> <sshPrnamt>3595</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3595</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>IQ MERGER ARBITRAGE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>45409B800</cusip> <value>348</value> <shrsOrPrnAmt> <sshPrnamt>11030</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11030</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CURIS INC COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>231269200</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>1000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DTE ENERGY CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>233331107</cusip> <value>527</value> <shrsOrPrnAmt> <sshPrnamt>4267</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4267</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>828806109</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>332</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>332</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>V F CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>918204108</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>644</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>644</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JPMORGAN BETABUILDERS EUROPE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46641Q720</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>80</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>80</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JPMORGAN BETABUILDERS JAPAN ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46641Q712</cusip> <value>6</value> <shrsOrPrnAmt> <sshPrnamt>242</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>242</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SONOS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>83570H108</cusip> <value>10</value> <shrsOrPrnAmt> <sshPrnamt>908</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>908</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ARES CAP CORP COM</nameOfIssuer> <titleOfClass>CEF</titleOfClass> <cusip>04010L103</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>384</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>384</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JPMORGAN BETABUILDERS CANADA ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46641Q696</cusip> <value>4</value> <shrsOrPrnAmt> <sshPrnamt>155</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>155</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JPMORGAN BETABUILDERS DEVELOPED ASIA-EX JAPAN ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46641Q688</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>75</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>75</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BOEING CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>097023105</cusip> <value>187</value> <shrsOrPrnAmt> <sshPrnamt>513</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>513</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>65339F101</cusip> <value>29</value> <shrsOrPrnAmt> <sshPrnamt>765</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>765</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NIKE INC CL B</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>654106103</cusip> <value>30</value> <shrsOrPrnAmt> <sshPrnamt>358</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>358</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TESLA INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>88160R101</cusip> <value>13</value> <shrsOrPrnAmt> <sshPrnamt>60</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>60</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>IQ HEDGE MACRO TRACKER ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>45409B206</cusip> <value>94</value> <shrsOrPrnAmt> <sshPrnamt>3569</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3569</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CMS ENERGY CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>125896100</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>645</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>645</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DOW INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>260557103</cusip> <value>37</value> <shrsOrPrnAmt> <sshPrnamt>756</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>756</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD S&P 500 ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908363</cusip> <value>51</value> <shrsOrPrnAmt> <sshPrnamt>190</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>190</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922042676</cusip> <value>149</value> <shrsOrPrnAmt> <sshPrnamt>2521</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2521</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ARVINMERITOR INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>59001K100</cusip> <value>326</value> <shrsOrPrnAmt> <sshPrnamt>13455</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13455</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AGREE REALTY CORP COM</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>008492100</cusip> <value>3</value> <shrsOrPrnAmt> <sshPrnamt>50</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>50</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL MOTORS CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>37045V100</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>7</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 600 SMALL CAP GROWTH ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78464A201</cusip> <value>44</value> <shrsOrPrnAmt> <sshPrnamt>718</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>718</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WABTEC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>929740108</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>19</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LILLY ELI & CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>532457108</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>725</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>725</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AIR PRODS & CHEMS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>009158106</cusip> <value>113</value> <shrsOrPrnAmt> <sshPrnamt>498</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>498</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE MANAGED FUTURES STRATEGY FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717W125</cusip> <value>323</value> <shrsOrPrnAmt> <sshPrnamt>8535</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8535</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB U.S. MID-CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524508</cusip> <value>32</value> <shrsOrPrnAmt> <sshPrnamt>558</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>558</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287655</cusip> <value>11</value> <shrsOrPrnAmt> <sshPrnamt>70</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>70</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY NATL INFO SVCS</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>31620M106</cusip> <value>141</value> <shrsOrPrnAmt> <sshPrnamt>2000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROSHARES TR SHORT S&P 500 PROSHARES</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>74347B425</cusip> <value>1928</value> <shrsOrPrnAmt> <sshPrnamt>72437</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>72437</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AFLAC INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>001055102</cusip> <value>77</value> <shrsOrPrnAmt> <sshPrnamt>1400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FREEPORT MCMORAN COPPER</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>35671D857</cusip> <value>9</value> <shrsOrPrnAmt> <sshPrnamt>752</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>752</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SYSCO CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>871829107</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>477</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>477</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES DJ SELECT DIVIDEND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287168</cusip> <value>90</value> <shrsOrPrnAmt> <sshPrnamt>907</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>907</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AMERICAN ELEC PWR CO INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>025537101</cusip> <value>58</value> <shrsOrPrnAmt> <sshPrnamt>656</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>656</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SMALL-CAP VALUE INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908611</cusip> <value>27</value> <shrsOrPrnAmt> <sshPrnamt>206</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>206</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB US AGGREGATE BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524839</cusip> <value>52</value> <shrsOrPrnAmt> <sshPrnamt>990</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>990</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MID-CAP GROWTH INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908538</cusip> <value>20</value> <shrsOrPrnAmt> <sshPrnamt>135</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>135</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES EDGE MSCI MIN VOL EMERGING MARKETS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464286533</cusip> <value>4021</value> <shrsOrPrnAmt> <sshPrnamt>68307</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>68307</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CHEMICAL FINL CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>163731102</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>0</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VISA INC COM CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>92826C839</cusip> <value>56</value> <shrsOrPrnAmt> <sshPrnamt>1611</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1611</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES EDGE MSCI MIN VOL EAFE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46429B689</cusip> <value>6297</value> <shrsOrPrnAmt> <sshPrnamt>86692</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>86692</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES EDGE MSCI MIN VOL USA ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46429B697</cusip> <value>6856</value> <shrsOrPrnAmt> <sshPrnamt>111060</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>111060</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>KELLOGG CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>487836108</cusip> <value>14</value> <shrsOrPrnAmt> <sshPrnamt>270</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>270</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD VALUE INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908744</cusip> <value>55</value> <shrsOrPrnAmt> <sshPrnamt>500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>500</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908736</cusip> <value>17</value> <shrsOrPrnAmt> <sshPrnamt>104</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>104</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANECK VECTORS OIL SERVICES ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92189F718</cusip> <value>16</value> <shrsOrPrnAmt> <sshPrnamt>1050</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1050</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR S&P 1500 INDEX FD</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287150</cusip> <value>327</value> <shrsOrPrnAmt> <sshPrnamt>4914</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4914</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI GLOBAL GOLD MINERS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46434G855</cusip> <value>6212</value> <shrsOrPrnAmt> <sshPrnamt>304209</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>304209</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES EMERGING MARKETS DIVIDEND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464286319</cusip> <value>21</value> <shrsOrPrnAmt> <sshPrnamt>524</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>524</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FACEBOOK INC CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>30303M102</cusip> <value>20</value> <shrsOrPrnAmt> <sshPrnamt>103</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>103</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>26441C204</cusip> <value>59</value> <shrsOrPrnAmt> <sshPrnamt>666</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>666</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI GLOBAL SILVER MINERS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464286327</cusip> <value>2747</value> <shrsOrPrnAmt> <sshPrnamt>296031</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>296031</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENTHERM INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>37253A103</cusip> <value>812</value> <shrsOrPrnAmt> <sshPrnamt>19414</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19414</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BLACKROCK MUN 2030 TAR TERM TR COM SHS BEN IN</nameOfIssuer> <titleOfClass>CEF</titleOfClass> <cusip>09257P105</cusip> <value>6</value> <shrsOrPrnAmt> <sshPrnamt>237</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>237</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CORE LONG-TERM U.S. BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464289479</cusip> <value>578</value> <shrsOrPrnAmt> <sshPrnamt>8761</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8761</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46432F834</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>34</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>34</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CORE MSCI EAFE</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46432F842</cusip> <value>4300</value> <shrsOrPrnAmt> <sshPrnamt>70025</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>70025</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TOTAL SA ADR</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>89151E109</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>567</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>567</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ACCENTURE LTD BERMUDA CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>G1151C101</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>714</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>714</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ENBRIDGE INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>29250N105</cusip> <value>36</value> <shrsOrPrnAmt> <sshPrnamt>984</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>984</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NVIDIA CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>67066G104</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>7</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABBVIE INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>00287Y109</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>29</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>29</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CORE MSCI EMERGING MKTS</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46434G103</cusip> <value>4211</value> <shrsOrPrnAmt> <sshPrnamt>81867</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>81867</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MANULIFE FINL CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>56501R106</cusip> <value>32</value> <shrsOrPrnAmt> <sshPrnamt>1766</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1766</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPROTT PHYSICAL PLAT PALLAD TS UNIT</nameOfIssuer> <titleOfClass>CEF</titleOfClass> <cusip>85207Q104</cusip> <value>2711</value> <shrsOrPrnAmt> <sshPrnamt>235536</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>235536</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FLEXSHARES MORNINGSTAR DEVELOPED MARKETS EX-US FACTOR TILT INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>33939L803</cusip> <value>24</value> <shrsOrPrnAmt> <sshPrnamt>400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROSHARES MERGER ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>74348A566</cusip> <value>148</value> <shrsOrPrnAmt> <sshPrnamt>3942</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3942</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>RAYTHEON CO COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>755111507</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>448</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>448</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>580135101</cusip> <value>32</value> <shrsOrPrnAmt> <sshPrnamt>152</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>152</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CISCO SYS INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>17275R102</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>38</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>38</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD TOTAL INTERNATIONAL BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92203J407</cusip> <value>11</value> <shrsOrPrnAmt> <sshPrnamt>191</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>191</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COTY INC COM CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>222070203</cusip> <value>9</value> <shrsOrPrnAmt> <sshPrnamt>702</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>702</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANECK VECTORS RARE EARTH/STRATEGIC METALS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92189F742</cusip> <value>6</value> <shrsOrPrnAmt> <sshPrnamt>406</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>406</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AT&T INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>00206R102</cusip> <value>89</value> <shrsOrPrnAmt> <sshPrnamt>2653</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2653</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921937819</cusip> <value>356</value> <shrsOrPrnAmt> <sshPrnamt>4119</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4119</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL ELECTRIC CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>369604103</cusip> <value>38</value> <shrsOrPrnAmt> <sshPrnamt>3600</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3600</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288513</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>1</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES DJ US TECHNOLOGY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287721</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>7</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>74348A467</cusip> <value>36</value> <shrsOrPrnAmt> <sshPrnamt>518</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>518</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI UTILITIES INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092865</cusip> <value>780</value> <shrsOrPrnAmt> <sshPrnamt>19862</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19862</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI COMMUNICATION SERVICES INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092873</cusip> <value>690</value> <shrsOrPrnAmt> <sshPrnamt>20832</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>20832</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI CONSUMER DISCRETIONARY INDEX ET</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092204</cusip> <value>713</value> <shrsOrPrnAmt> <sshPrnamt>15597</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15597</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI ENERGY INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092402</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>56</sshPrnamt> 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<infoTable> <nameOfIssuer>FIDELITY MSCI FINANCIALS INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092501</cusip> <value>630</value> <shrsOrPrnAmt> <sshPrnamt>15702</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15702</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI CONSUMER STAPLES INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092303</cusip> <value>665</value> <shrsOrPrnAmt> <sshPrnamt>19137</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19137</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092808</cusip> <value>697</value> <shrsOrPrnAmt> <sshPrnamt>11185</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11185</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES S&P 500 INDEX</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287200</cusip> <value>4627</value> <shrsOrPrnAmt> <sshPrnamt>15698</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15698</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>907818108</cusip> <value>30</value> <shrsOrPrnAmt> <sshPrnamt>1124</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1124</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ECOLAB INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>278865100</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>830</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>830</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MBS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288588</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>17</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MICROCHIP TECHNOLOGY INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>595017104</cusip> <value>12</value> <shrsOrPrnAmt> <sshPrnamt>137</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>137</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MCCORMICK & CO INC COM NON VTG</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>579780206</cusip> <value>23</value> <shrsOrPrnAmt> <sshPrnamt>147</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>147</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>THERMO FISHER SCIENTIFIC INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>883556102</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>574</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>574</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LOCKHEED MARTIN CORP 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<investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>315</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES AMT-FREE MUNI BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288414</cusip> <value>98</value> <shrsOrPrnAmt> <sshPrnamt>870</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>870</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>20825C104</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>1391</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1391</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKETS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921943858</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>56</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>56</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BANK AMER CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>060505104</cusip> <value>65</value> <shrsOrPrnAmt> <sshPrnamt>3484</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3484</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WALMART INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>931142103</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>466</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>466</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922042858</cusip> <value>64</value> <shrsOrPrnAmt> <sshPrnamt>1505</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1505</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TEXAS INSTRS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>882508104</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>14</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TARGET CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>87612E106</cusip> <value>381</value> 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<None>1572</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES IBOXX CORPORATE BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287242</cusip> <value>234</value> <shrsOrPrnAmt> <sshPrnamt>1885</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1885</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>3M CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>88579Y101</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>841</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>841</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AKEBIA THERAPEUTICS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>00972D105</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>365</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>365</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GILEAD SCIENCES INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>375558103</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>145</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>145</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CURRENCY HEDGED MSCI EAFE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46434V803</cusip> <value>5</value> <shrsOrPrnAmt> <sshPrnamt>174</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>174</None> </votingAuthority> 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<infoTable> <nameOfIssuer>ISHARES MSCI EAFE SMALL CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288273</cusip> <value>44</value> <shrsOrPrnAmt> <sshPrnamt>759</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>759</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES 7-10 YR TREASURY BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287440</cusip> <value>4120</value> <shrsOrPrnAmt> <sshPrnamt>37448</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>37448</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES AGGREGATE BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287226</cusip> <value>54</value> <shrsOrPrnAmt> <sshPrnamt>489</sshPrnamt> 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SMALLCAP 600 VALUE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287879</cusip> <value>18</value> <shrsOrPrnAmt> <sshPrnamt>118</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>118</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIAT CHRYSLER AUTOMOBILES N V SHS</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>N31738102</cusip> <value>9603</value> <shrsOrPrnAmt> <sshPrnamt>694885</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>694885</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SHORT-TERM BOND INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921937827</cusip> <value>34</value> <shrsOrPrnAmt> <sshPrnamt>427</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> 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<investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>50</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>25746U109</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>25</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>25</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CITIGROUP INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>172967424</cusip> <value>11</value> <shrsOrPrnAmt> <sshPrnamt>814</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>814</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI REAL ESTATE INDEX ETF</nameOfIssuer> 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<investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1564</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>89417E109</cusip> <value>16</value> <shrsOrPrnAmt> <sshPrnamt>726</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>726</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI ACWI INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288257</cusip> <value>159</value> <shrsOrPrnAmt> <sshPrnamt>2154</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2154</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SHOPIFY INC CL A</nameOfIssuer> 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<votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>27610</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FRONTIER COMMUNICATIONS CORP COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>35906A306</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>22</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>22</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287465</cusip> <value>14</value> <shrsOrPrnAmt> <sshPrnamt>8508</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8508</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>APPLE INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>037833100</cusip> <value>395</value> <shrsOrPrnAmt> <sshPrnamt>3580</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3580</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABBOTT LABS COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>002824100</cusip> <value>49</value> <shrsOrPrnAmt> <sshPrnamt>585</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>585</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DISNEY WALT CO COM DISNEY</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>254687106</cusip> <value>1</value> <shrsOrPrnAmt> <sshPrnamt>741</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>741</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>