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
ABBVIE INC COM 00287Y109 270 2,500 SH   SOLE   0 0 2,500
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 12,030 714,134 SH   SOLE   0 0 714,134
ACTIVISION BLIZZARD INC COM 00507V109 390 4,990 SH   SOLE   0 0 4,990
ALLSTATE CORP COM 020002101 1,200 9,400 SH   SOLE   0 0 9,400
ALPHABET INC CAP STK CL A 02079K305 940 350 SH   SOLE   0 0 350
ALPHABET INC CAP STK CL C 02079K107 530 200 SH   SOLE   0 0 200
AMAZON COM INC COM 023135106 740 225 SH   SOLE   0 0 225
ANALOG DEVICES INC COM 032654105 1,190 7,110 SH   SOLE   0 0 7,110
APPLE INC COM 037833100 2,640 18,623 SH   SOLE   0 0 18,623
APPLIED MATLS INC COM 038222105 1,220 9,498 SH   SOLE   0 0 9,498
BLACKROCK INC COM 09247X101 440 524 SH   SOLE   0 0 524
BORGWARNER INC COM 099724106 1,140 26,344 SH   SOLE   0 0 26,344
CELANESE CORP DEL COM 150870103 630 4,179 SH   SOLE   0 0 4,179
CINCINNATI FINL CORP COM 172062101 1,230 10,733 SH   SOLE   0 0 10,733
CISCO SYS INC COM 17275R102 480 8,737 SH   SOLE   0 0 8,737
CITIZENS FINL GROUP INC COM 174610105 1,280 27,249 SH   SOLE   0 0 27,249
COMERICA INC COM 200340107 500 6,213 SH   SOLE   0 0 6,213
CORTEVA INC COM 22052L104 440 10,525 SH   SOLE   0 0 10,525
CUMMINS INC COM 231021106 1,190 5,305 SH   SOLE   0 0 5,305
DISCOVER FINL SVCS COM 254709108 1,260 10,290 SH   SOLE   0 0 10,290
DISNEY WALT CO COM 254687106 200 1,200 SH   SOLE   0 0 1,200
DOW INC COM 260557103 420 7,253 SH   SOLE   0 0 7,253
EXPEDITORS INTL WASH INC COM 302130109 430 3,619 SH   SOLE   0 0 3,619
FACEBOOK INC CL A 30303M102 600 1,755 SH   SOLE   0 0 1,755
FIRST TR EXCH TRADED FD III EME MRK BD ETF 33739P202 340 10,300 SH   SOLE   0 0 10,300
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 220 9,199 SH   SOLE   0 0 9,199
FREEPORT-MCMORAN INC CL B 35671D857 400 12,336 SH   SOLE   0 0 12,336
GLOBAL X FDS MSCI GREECE ETF 37954Y319 1,380 50,895 SH   SOLE   0 0 50,895
GLOBE LIFE INC COM 37959E102 1,050 11,797 SH   SOLE   0 0 11,797
GOLDMAN SACHS GROUP INC COM 38141G104 230 600 SH   SOLE   0 0 600
HOME DEPOT INC COM 437076102 2,220 6,750 SH   SOLE   0 0 6,750
HUNT J B TRANS SVCS INC COM 445658107 470 2,828 SH   SOLE   0 0 2,828
INTEL CORP COM 458140100 1,230 23,046 SH   SOLE   0 0 23,046
INTERNATIONAL PAPER CO COM 460146103 1,180 21,069 SH   SOLE   0 0 21,069
ISHARES INC MSCI PAC JP ETF 464286665 820 16,778 SH   SOLE   0 0 16,778
ISHARES INC MSCI EURZONE ETF 464286608 1,210 25,053 SH   SOLE   0 0 25,053
ISHARES INC JP MORGAN EM ETF 464286517 9,050 213,602 SH   SOLE   0 0 213,602
ISHARES INC MSCI WORLD ETF 464286392 4,690 37,124 SH   SOLE   0 0 37,124
ISHARES INC JP MRG EM CRP BD 464286251 490 9,530 SH   SOLE   0 0 9,530
ISHARES INC US INTL HGH YLD 464286178 3,950 78,936 SH   SOLE   0 0 78,936
ISHARES TR MSCI UK ETF NEW 46435G334 530 16,484 SH   SOLE   0 0 16,484
ISHARES TR CORE MSCI EURO 46434V738 1,930 34,500 SH   SOLE   0 0 34,500
ISHARES TR MSCI USA MIN VOL 46429B697 990 13,500 SH   SOLE   0 0 13,500
ISHARES TR MSCI INDIA ETF 46429B598 4,830 99,280 SH   SOLE   0 0 99,280
ISHARES TR US TREAS BD ETF 46429B267 5,590 210,673 SH   SOLE   0 0 210,673
ISHARES TR IBOXX HI YD ETF 464288513 640 7,275 SH   SOLE   0 0 7,275
ISHARES TR JPMORGAN USD EMG 464288281 7,480 67,939 SH   SOLE   0 0 67,939
ISHARES TR AGENCY BOND ETF 464288166 1,860 15,698 SH   SOLE   0 0 15,698
ISHARES TR RUS 1000 VAL ETF 464287598 460 2,945 SH   SOLE   0 0 2,945
ISHARES TR 1 3 YR TREAS BD 464287457 4,510 52,295 SH   SOLE   0 0 52,295
ISHARES TR S&P 500 VAL ETF 464287408 440 3,000 SH   SOLE   0 0 3,000
ISHARES TR LATN AMER 40 ETF 464287390 2,780 104,862 SH   SOLE   0 0 104,862
ISHARES TR IBOXX INV CP ETF 464287242 630 4,700 SH   SOLE   0 0 4,700
ISHARES TR MSCI EMG MKT ETF 464287234 20,400 405,007 SH   SOLE   0 0 405,007
ISHARES TR CORE S&P500 ETF 464287200 5,280 12,252 SH   SOLE   0 0 12,252
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 7,040 120,443 SH   SOLE   0 0 120,443
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 12,730 253,825 SH   SOLE   0 0 253,825
JOHNSON & JOHNSON COM 478160104 890 5,490 SH   SOLE   0 0 5,490
JPMORGAN CHASE & CO COM 46625H100 3,330 20,364 SH   SOLE   0 0 20,364
KLA CORP COM NEW 482480100 1,350 4,050 SH   SOLE   0 0 4,050
LAM RESEARCH CORP COM 512807108 1,150 2,014 SH   SOLE   0 0 2,014
LAS VEGAS SANDS CORP COM 517834107 230 6,230 SH   SOLE   0 0 6,230
LILLY ELI & CO COM 532457108 460 2,000 SH   SOLE   0 0 2,000
M & T BK CORP COM 55261F104 1,160 7,763 SH   SOLE   0 0 7,763
MASTERCARD INCORPORATED CL A 57636Q104 490 1,420 SH   SOLE   0 0 1,420
MCKESSON CORP COM 58155Q103 1,340 6,702 SH   SOLE   0 0 6,702
METLIFE INC COM 59156R108 460 7,510 SH   SOLE   0 0 7,510
MICROSOFT CORP COM 594918104 390 1,400 SH   SOLE   0 0 1,400
MORGAN STANLEY COM NEW 617446448 1,950 20,000 SH   SOLE   0 0 20,000
MOSAIC CO NEW COM 61945C103 730 20,468 SH   SOLE   0 0 20,468
NEWMONT CORP COM 651639106 1,110 20,512 SH   SOLE   0 0 20,512
NEWS CORP NEW CL A 65249B109 420 17,932 SH   SOLE   0 0 17,932
NUCOR CORP COM 670346105 1,310 13,280 SH   SOLE   0 0 13,280
OMNICOM GROUP INC COM 681919106 1,160 16,006 SH   SOLE   0 0 16,006
ORACLE CORP COM 68389X105 780 9,000 SH   SOLE   0 0 9,000
PACKAGING CORP AMER COM 695156109 640 4,658 SH   SOLE   0 0 4,658
PRICE T ROWE GROUP INC COM 74144T108 450 2,300 SH   SOLE   0 0 2,300
PROSHARES TR ST EMG MKT ETF 74347B706 5,010 68,606 SH   SOLE   0 0 68,606
RALPH LAUREN CORP CL A 751212101 420 3,786 SH   SOLE   0 0 3,786
REGIONS FINANCIAL CORP NEW COM 7591EP100 1,330 62,435 SH   SOLE   0 0 62,435
ROBERT HALF INTL INC COM 770323103 510 5,098 SH   SOLE   0 0 5,098
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 230 2,300 SH   SOLE   0 0 2,300
SIMON PPTY GROUP INC NEW COM 828806109 250 1,900 SH   SOLE   0 0 1,900
SNAP ON INC COM 833034101 1,210 5,775 SH   SOLE   0 0 5,775
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,700 8,630 SH   SOLE   0 0 8,630
SPDR SER TR SPDR BLOOMBERG 78468R663 9,990 108,118 SH   SOLE   0 0 108,118
SPDR SER TR BLOMBERG BRC INV 78468R200 18,940 617,799 SH   SOLE   0 0 617,799
SPDR SER TR PORTFLI TIPS ETF 78464A656 16,680 536,386 SH   SOLE   0 0 536,386
SPDR SER TR BLMBRG BRC CNVRT 78464A359 11,850 138,855 SH   SOLE   0 0 138,855
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 2,300 56,930 SH   SOLE   0 0 56,930
STARBUCKS CORP COM 855244109 220 2,000 SH   SOLE   0 0 2,000
T-MOBILE US INC COM 872590104 7,840 61,400 SH   SOLE   0 0 61,400
US BANCORP DEL COM NEW 902973304 470 7,920 SH   SOLE   0 0 7,920
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,480 29,050 SH   SOLE   0 0 29,050
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 430 8,568 SH   SOLE   0 0 8,568
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 10,280 100,963 SH   SOLE   0 0 100,963
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 4,340 41,109 SH   SOLE   0 0 41,109
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 290 4,351 SH   SOLE   0 0 4,351
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 270 3,278 SH   SOLE   0 0 3,278
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 220 3,569 SH   SOLE   0 0 3,569
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 350 4,470 SH   SOLE   0 0 4,470