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
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
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 22,743 314,167 SH   SOLE   0 0 314,167
SNAP INC CL A 83304A106 473 9,449 SH   SOLE   0 0 9,449
SPDR SER TR PORTFOLIO INTRMD 78464A375 993 26,711 SH   SOLE   0 0 26,711
SPDR SER TR PORTFLI TIPS ETF 78464A656 297 9,524 SH   SOLE   0 0 9,524
ISHARES TR NATIONAL MUN ETF 464288414 7,736 66,011 SH   SOLE   0 0 66,011
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 15,873 375,954 SH   SOLE   0 0 375,954
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,190 3,182 SH   SOLE   0 0 3,182
SABINE ROYALTY TR UNIT BEN INT 785688102 378 13,438 SH   SOLE   0 0 13,438
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 54,279 804,373 SH   SOLE   0 0 804,373
COMERICA INC COM 200340107 331 5,933 SH   SOLE   0 0 5,933
SPDR SER TR BLOOMBERG BRCLYS 78468R622 597 5,478 SH   SOLE   0 0 5,478
APPLE INC COM 037833100 3,262 24,580 SH   SOLE   0 0 24,580
ISHARES TR MSCI UK ETF NEW 46435G334 674 23,024 SH   SOLE   0 0 23,024
NORFOLK SOUTHN CORP COM 655844108 262 1,104 SH   SOLE   0 0 1,104
PIMCO ETF TR INV GRD CRP BD 72201R817 876 7,482 SH   SOLE   0 0 7,482
ISHARES TR ESG AW MSCI EAFE 46435G516 422 5,776 SH   SOLE   0 0 5,776
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 214 4,213 SH   SOLE   0 0 4,213
ISHARES TR U.S. MED DVC ETF 464288810 23,763 72,602 SH   SOLE   0 0 72,602
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,277 39,112 SH   SOLE   0 0 39,112
WALMART INC COM 931142103 282 1,955 SH   SOLE   0 0 1,955
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 3,097 31,302 SH   SOLE   0 0 31,302
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,140 234,517 SH   SOLE   0 0 234,517
ISHARES TR GL CLEAN ENE ETF 464288224 253 8,976 SH   SOLE   0 0 8,976
ISHARES TR U.S. TECH ETF 464287721 53,923 633,788 SH   SOLE   0 0 633,788
ISHARES TR US INDUSTRIALS 464287754 886 9,125 SH   SOLE   0 0 9,125
DBX ETF TR XTRACKERS S&P 233051143 394 12,010 SH   SOLE   0 0 12,010
ISHARES TR US TREAS BD ETF 46429B267 3,532 129,668 SH   SOLE   0 0 129,668
SPDR SER TR S&P REGL BKG 78464A698 1,808 34,808 SH   SOLE   0 0 34,808
EXXON MOBIL CORP COM 30231G102 419 10,176 SH   SOLE   0 0 10,176
VANGUARD WORLD FDS ENERGY ETF 92204A306 595 11,482 SH   SOLE   0 0 11,482
ISHARES INC CORE MSCI EMKT 46434G103 39,501 636,701 SH   SOLE   0 0 636,701
ISHARES TR BARCLAYS 7 10 YR 464287440 59,609 496,953 SH   SOLE   0 0 496,953
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 265 4,534 SH   SOLE   0 0 4,534
SPDR SER TR PORTFOLIO LN TSR 78464A664 524 11,616 SH   SOLE   0 0 11,616
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 280 1,984 SH   SOLE   0 0 1,984
ISHARES TR IBOXX INV CP ETF 464287242 2,482 17,966 SH   SOLE   0 0 17,966
ISHARES TR 3 7 YR TREAS BD 464288661 996 7,493 SH   SOLE   0 0 7,493
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,398 205,434 SH   SOLE   0 0 205,434
ETFS TR BBRG ALL COMD K1 003261104 2,589 118,219 SH   SOLE   0 0 118,219
UBS AG LONDON BRANCH ETRACS BBG CMD 90269A450 1,898 129,957 SH   SOLE   0 0 129,957
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 320 5,910 SH   SOLE   0 0 5,910
DBX ETF TR XTRACK USD HIGH 233051432 1,188 23,712 SH   SOLE   0 0 23,712
ISHARES TR CORE S&P TTL STK 464287150 1,775 20,590 SH   SOLE   0 0 20,590
PINTEREST INC CL A 72352L106 353 5,357 SH   SOLE   0 0 5,357
ISHARES INC MSCI EURZONE ETF 464286608 35,960 815,786 SH   SOLE   0 0 815,786
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 49,542 1,680,532 SH   SOLE   0 0 1,680,532
SPDR SER TR SSGA GNDER ETF 78468R747 550 6,138 SH   SOLE   0 0 6,138
AUTOMATIC DATA PROCESSING IN COM 053015103 470 2,667 SH   SOLE   0 0 2,667
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 28,202 126,054 SH   SOLE   0 0 126,054
SPDR SER TR PORTFOLIO S&P500 78464A854 10,348 235,392 SH   SOLE   0 0 235,392
ISHARES TR CORE INTL AGGR 46435G672 1,155 20,540 SH   SOLE   0 0 20,540
ISHARES GOLD TRUST ISHARES 464285105 1,308 72,136 SH   SOLE   0 0 72,136
ISHARES TR USD INV GRDE ETF 464288620 78,984 1,274,553 SH   SOLE   0 0 1,274,553
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 33,559 664,932 SH   SOLE   0 0 664,932
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 6,497 296,651 SH   SOLE   0 0 296,651
PROSHARES TR ONLINE RTL ETF 74347B169 476 6,279 SH   SOLE   0 0 6,279
ISHARES TR IBOXX HI YD ETF 464288513 926 10,608 SH   SOLE   0 0 10,608
ISHARES TR S&P 500 GRWT ETF 464287309 525 8,225 SH   SOLE   0 0 8,225
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 13,621 609,971 SH   SOLE   0 0 609,971
MCCORMICK & CO INC COM VTG 579780107 813 8,512 SH   SOLE   0 0 8,512
VERIZON COMMUNICATIONS INC COM 92343V104 498 8,471 SH   SOLE   0 0 8,471
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 397 8,347 SH   SOLE   0 0 8,347
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 22,448 955,635 SH   SOLE   0 0 955,635
CSX CORP COM 126408103 220 2,426 SH   SOLE   0 0 2,426
HIGHLAND FDS I HI LD IBOXX SRLN 430101774 1,371 85,575 SH   SOLE   0 0 85,575
COCA COLA CO COM 191216100 231 4,209 SH   SOLE   0 0 4,209
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 734 11,070 SH   SOLE   0 0 11,070
ISHARES TR ESG AWARE MSCI 46435U663 342 10,020 SH   SOLE   0 0 10,020
ISHARES INC MSCI SWITZERLAND 464286749 14,851 332,392 SH   SOLE   0 0 332,392
ISHARES TR CORE MSCI EAFE 46432F842 1,933 27,980 SH   SOLE   0 0 27,980
ISHARES TR RUS 1000 ETF 464287622 320 1,509 SH   SOLE   0 0 1,509
ISHARES TR CORE S&P MCP ETF 464287507 3,768 16,395 SH   SOLE   0 0 16,395
SPDR SER TR PORTFOLIO AGRGTE 78464A649 762 24,736 SH   SOLE   0 0 24,736
MICROSOFT CORP COM 594918104 1,223 5,501 SH   SOLE   0 0 5,501
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 26,369 289,933 SH   SOLE   0 0 289,933
ISHARES INC MSCI GERMANY ETF 464286806 30,739 967,555 SH   SOLE   0 0 967,555
ADOBE SYSTEMS INCORPORATED COM 00724F101 800 1,600 SH   SOLE   0 0 1,600
MCDONALDS CORP COM 580135101 440 2,049 SH   SOLE   0 0 2,049
ALPHABET INC CAP STK CL A 02079K305 3,360 1,917 SH   SOLE   0 0 1,917
SPDR SER TR PORTFOLIO S&P600 78468R853 18,672 521,573 SH   SOLE   0 0 521,573
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,374 32,579 SH   SOLE   0 0 32,579
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 2,491 49,251 SH   SOLE   0 0 49,251
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,087 48,794 SH   SOLE   0 0 48,794
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 32,247 284,267 SH   SOLE   0 0 284,267
WISDOMTREE TR BLMBG US BULL 97717W471 579 23,132 SH   SOLE   0 0 23,132
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,975 38,425 SH   SOLE   0 0 38,425
SPDR SER TR S&P BK ETF 78464A797 14,786 353,556 SH   SOLE   0 0 353,556
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,333 26,609 SH   SOLE   0 0 26,609
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 61,482 1,210,520 SH   SOLE   0 0 1,210,520
ISHARES TR U.S. PHARMA ETF 464288836 713 3,973 SH   SOLE   0 0 3,973
ISHARES INC MSCI JPN ETF NEW 46434G822 38,040 563,053 SH   SOLE   0 0 563,053
ISHARES TR CRE U S REIT ETF 464288521 588 12,138 SH   SOLE   0 0 12,138
DBX ETF TR XTRACK MSCI JAPN 233051507 1,481 32,352 SH   SOLE   0 0 32,352
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 90,393 562,218 SH   SOLE   0 0 562,218
ISHARES INC MSCI PAC JP ETF 464286665 23,038 481,260 SH   SOLE   0 0 481,260
JOHNSON & JOHNSON COM 478160104 864 5,491 SH   SOLE   0 0 5,491
ISHARES TR INTL TREA BD ETF 464288117 1,284 23,075 SH   SOLE   0 0 23,075
DISNEY WALT CO COM 254687106 345 1,902 SH   SOLE   0 0 1,902
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,540 66,890 SH   SOLE   0 0 66,890
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,539 50,217 SH   SOLE   0 0 50,217
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 26,643 469,642 SH   SOLE   0 0 469,642
PFIZER INC COM 717081103 345 9,368 SH   SOLE   0 0 9,368
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 202 1,584 SH   SOLE   0 0 1,584
ISHARES TR TIPS BD ETF 464287176 7,960 62,359 SH   SOLE   0 0 62,359
PEPSICO INC COM 713448108 359 2,421 SH   SOLE   0 0 2,421
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921946858 3,571 75,650 SH   SOLE   0 0 75,650
CVS HEALTH CORP COM 126650100 320 4,687 SH   SOLE   0 0 4,687
SPDR SER TR PORTFOLIO CRPORT 78464A144 1,392 38,413 SH   SOLE   0 0 38,413
BK OF AMERICA CORP COM 060505104 697 23,001 SH   SOLE   0 0 23,001
NEXTERA ENERGY INC COM 65339F101 338 4,384 SH   SOLE   0 0 4,384
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 40,989 607,697 SH   SOLE   0 0 607,697
ISHARES TR MSCI UK SM ETF 46429B416 437 10,345 SH   SOLE   0 0 10,345
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,523 52,819 SH   SOLE   0 0 52,819
DBX ETF TR XTRACK HRVST CSI 233051879 388 9,685 SH   SOLE   0 0 9,685
AMAZON COM INC COM 023135106 547 168 SH   SOLE   0 0 168
AT&T INC COM 00206R102 622 21,642 SH   SOLE   0 0 21,642
MERCK & CO. INC COM 58933Y105 289 3,534 SH   SOLE   0 0 3,534
COLGATE PALMOLIVE CO COM 194162103 323 3,779 SH   SOLE   0 0 3,779
SPDR SER TR BLOMBRG BRC INTL 78464A151 431 11,360 SH   SOLE   0 0 11,360
WISDOMTREE TR YIELD ENHANCED 97717Y808 563 10,938 SH   SOLE   0 0 10,938
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 970 9,875 SH   SOLE   0 0 9,875
WORLD GOLD TR SPDR GLD MINIS 98149E105 40,480 2,137,259 SH   SOLE   0 0 2,137,259
BOEING CO COM 097023105 406 1,897 SH   SOLE   0 0 1,897
PROCTER AND GAMBLE CO COM 742718109 1,040 7,473 SH   SOLE   0 0 7,473
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,652 85,977 SH   SOLE   0 0 85,977
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 734 4,218 SH   SOLE   0 0 4,218
ISHARES INC ESG AWR MSCI EM 46434G863 210 5,003 SH   SOLE   0 0 5,003
ISHARES TR US HLTHCARE ETF 464287762 1,263 5,136 SH   SOLE   0 0 5,136
ISHARES TR JPMORGAN USD EMG 464288281 984 8,488 SH   SOLE   0 0 8,488
JANUS DETROIT STR TR HENDERSON MTG 47103U852 72,311 1,352,616 SH   SOLE   0 0 1,352,616
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 48,685 549,807 SH   SOLE   0 0 549,807
ISHARES TR CORE S&P SCP ETF 464287804 3,703 40,292 SH   SOLE   0 0 40,292
CISCO SYS INC COM 17275R102 209 4,668 SH   SOLE   0 0 4,668
ISHARES TR 1 3 YR TREAS BD 464287457 269 3,114 SH   SOLE   0 0 3,114
LISTED FD TR TRUESHARES OCT 53656F698 231 8,500 SH   SOLE   0 0 8,500
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,070 57,471 SH   SOLE   0 0 57,471
ISHARES INC MSCI FRNTR100ETF 464286145 2,400 84,664 SH   SOLE   0 0 84,664
ISHARES TR US HOME CONS ETF 464288752 17,767 318,407 SH   SOLE   0 0 318,407
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 650 2,802 SH   SOLE   0 0 2,802
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 2,259 83,829 SH   SOLE   0 0 83,829
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 789 10,831 SH   SOLE   0 0 10,831
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 333 1,210 SH   SOLE   0 0 1,210
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 30,432 666,634 SH   SOLE   0 0 666,634
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 941 11,085 SH   SOLE   0 0 11,085
GLOBAL X FDS US INFR DEV ETF 37954Y673 33,593 1,583,840 SH   SOLE   0 0 1,583,840
VISA INC COM CL A 92826C839 330 1,509 SH   SOLE   0 0 1,509
FACEBOOK INC CL A 30303M102 307 1,125 SH   SOLE   0 0 1,125
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 298 6,033 SH   SOLE   0 0 6,033
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 130,827 1,006,210 SH   SOLE   0 0 1,006,210
ISHARES TR PHLX SEMICND ETF 464287523 29,030 76,561 SH   SOLE   0 0 76,561
ISHARES TR CORE US AGGBD ET 464287226 8,330 70,483 SH   SOLE   0 0 70,483
PNC FINL SVCS GROUP INC COM 693475105 385 2,583 SH   SOLE   0 0 2,583
ISHARES TR ESG AWR MSCI USA 46435G425 313 3,642 SH   SOLE   0 0 3,642
VANGUARD INDEX FDS TOTAL STK MKT 922908769 886 4,553 SH   SOLE   0 0 4,553
SMITH A O CORP COM 831865209 263 4,800 SH   SOLE   0 0 4,800
SOUTHERN CO COM 842587107 363 5,916 SH   SOLE   0 0 5,916
INTERNATIONAL BUSINESS MACHS COM 459200101 303 2,409 SH   SOLE   0 0 2,409
SPDR SER TR PORTFLI MORTGAGE 78464A383 1,152 43,600 SH   SOLE   0 0 43,600
SCHWAB STRATEGIC TR US TIPS ETF 808524870 20,084 323,518 SH   SOLE   0 0 323,518
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,423 15,778 SH   SOLE   0 0 15,778
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 641 17,545 SH   SOLE   0 0 17,545
SPDR SER TR PORTFOLIO S&P400 78464A847 3,018 74,714 SH   SOLE   0 0 74,714
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 10,880 365,362 SH   SOLE   0 0 365,362
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 252 3,023 SH   SOLE   0 0 3,023
ISHARES TR RUS 1000 GRW ETF 464287614 311 1,292 SH   SOLE   0 0 1,292
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,593 19,357 SH   SOLE   0 0 19,357
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,112 9,254 SH   SOLE   0 0 9,254
SPDR SER TR BLOMBERG INTL TR 78464A516 1,368 43,819 SH   SOLE   0 0 43,819
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 541 10,503 SH   SOLE   0 0 10,503
MCCORMICK & CO INC COM NON VTG 579780206 1,132 11,846 SH   SOLE   0 0 11,846
ISHARES TR MBS ETF 464288588 4,325 39,272 SH   SOLE   0 0 39,272
ISHARES TR 20 YR TR BD ETF 464287432 26,737 169,513 SH   SOLE   0 0 169,513
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,235 155,119 SH   SOLE   0 0 155,119
GLOBAL X FDS CONSCIOUS COS 37954Y731 481 17,627 SH   SOLE   0 0 17,627
ALPHABET INC CAP STK CL C 02079K107 3,428 1,957 SH   SOLE   0 0 1,957
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,098 20,559 SH   SOLE   0 0 20,559
ISHARES TR BROAD USD HIGH 46435U853 400 9,688 SH   SOLE   0 0 9,688
ISHARES TR CORE S&P500 ETF 464287200 21,225 56,540 SH   SOLE   0 0 56,540
NUSHARES ETF TR NUVEEN ESG US 67092P870 206 7,704 SH   SOLE   0 0 7,704
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,187 90,744 SH   SOLE   0 0 90,744
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 851 33,546 SH   SOLE   0 0 33,546