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    <nameOfIssuer>ALLEGHANY CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>017175100</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>341</None>
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  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
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      <None>407</None>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>218</None>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3003</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3003</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2660</None>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>232</value>
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      <sshPrnamt>544</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>544</None>
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    <nameOfIssuer>CARMAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>143130102</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3746</None>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>UNIT 99/99/9999</titleOfClass>
    <cusip>143658300</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4636</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4459</None>
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    <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256746108</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3300</None>
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  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>NETLEASE CORP</titleOfClass>
    <cusip>26922A248</cusip>
    <value>6995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>277030</None>
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  <infoTable>
    <nameOfIssuer>EXCHANGE TRADED CONCEPTS TR</nameOfIssuer>
    <titleOfClass>ROBO GLB ETF</titleOfClass>
    <cusip>301505707</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>6465</None>
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    <nameOfIssuer>FQF TR</nameOfIssuer>
    <titleOfClass>AGFIQ US MK ANTI</titleOfClass>
    <cusip>351680707</cusip>
    <value>8580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397963</sshPrnamt>
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      <None>397963</None>
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    <nameOfIssuer>INVESCO ACTIVELY MANAGD ETF</nameOfIssuer>
    <titleOfClass>S&amp;P500 DOWNSID</titleOfClass>
    <cusip>46090A705</cusip>
    <value>17405</value>
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      <Shared>0</Shared>
      <None>624299</None>
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    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR</nameOfIssuer>
    <titleOfClass>CHINA TECHNLGY</titleOfClass>
    <cusip>46138E800</cusip>
    <value>3240</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>65980</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MIN VOL GBL ETF</titleOfClass>
    <cusip>464286525</cusip>
    <value>2325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25982</sshPrnamt>
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      <None>25982</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BARCLAYS 7 10 YR</titleOfClass>
    <cusip>464287440</cusip>
    <value>8700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81558</sshPrnamt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>353</value>
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      <None>3318</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MIN VOL USA ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>7617</value>
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      <None>129546</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>USA QUALITY FCTR</titleOfClass>
    <cusip>46432F339</cusip>
    <value>8635</value>
    <shrsOrPrnAmt>
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      <None>97511</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>USA MOMENTUM FCT</titleOfClass>
    <cusip>46432F396</cusip>
    <value>3834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34179</sshPrnamt>
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      <Sole>0</Sole>
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      <None>34179</None>
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    <nameOfIssuer>ISORAY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46489V104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20000</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2480</None>
    </votingAuthority>
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    <nameOfIssuer>JP MORGAN EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ULTRA SHRT INC</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>16142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>320907</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>1277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10828</None>
    </votingAuthority>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1735</None>
    </votingAuthority>
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    <nameOfIssuer>O REILLY AUTOMOTIVE INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>607</None>
    </votingAuthority>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4000</None>
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  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP OHIO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>5596</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>1771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31980</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWB FDT INT LG</titleOfClass>
    <cusip>808524755</cusip>
    <value>1648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>59745</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>MSCI USA STRTGIC</titleOfClass>
    <cusip>78468R812</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2910</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>6686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67260</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SML CAP</titleOfClass>
    <cusip>78464A813</cusip>
    <value>5875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>13955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>288633</None>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4118</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>3917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25042</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2431</None>
    </votingAuthority>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP DIVID</titleOfClass>
    <cusip>97717W505</cusip>
    <value>4420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123499</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123499</None>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP FUND</titleOfClass>
    <cusip>97717W570</cusip>
    <value>4890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>124297</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INTL EQUITY FD</titleOfClass>
    <cusip>97717W703</cusip>
    <value>2407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47536</None>
    </votingAuthority>
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</informationTable>
