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
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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 13,904 218,482 SH   SOLE   0 0 218,482
SPDR SER TR PORTFOLIO INTRMD 78464A375 28,420 773,113 SH   SOLE   0 0 773,113
SNAP INC CL A 83304A106 247 9,449 SH   SOLE   0 0 9,449
SPDR SER TR PORTFLI TIPS ETF 78464A656 278 9,015 SH   SOLE   0 0 9,015
ISHARES TR NATIONAL MUN ETF 464288414 1,940 16,733 SH   SOLE   0 0 16,733
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 12,788 378,125 SH   SOLE   0 0 378,125
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,159 3,462 SH   SOLE   0 0 3,462
SABINE ROYALTY TR UNIT BEN INT 785688102 391 13,438 SH   SOLE   0 0 13,438
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 62,504 1,052,253 SH   SOLE   0 0 1,052,253
COMERICA INC COM 200340107 227 5,933 SH   SOLE   0 0 5,933
SELECT SECTOR SPDR TR ENERGY 81369Y506 10,652 355,644 SH   SOLE   0 0 355,644
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 20,224 124,779 SH   SOLE   0 0 124,779
SPDR SER TR BLOOMBERG BRCLYS 78468R622 564 5,409 SH   SOLE   0 0 5,409
APPLE INC COM 037833100 2,897 25,011 SH   SOLE   0 0 25,011
ISHARES TR MSCI UK ETF NEW 46435G334 595 23,325 SH   SOLE   0 0 23,325
NORFOLK SOUTHN CORP COM 655844108 236 1,104 SH   SOLE   0 0 1,104
PIMCO ETF TR INV GRD CRP BD 72201R817 858 7,487 SH   SOLE   0 0 7,487
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 214 4,213 SH   SOLE   0 0 4,213
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 649 4,484 SH   SOLE   0 0 4,484
ISHARES TR U.S. MED DVC ETF 464288810 21,628 72,186 SH   SOLE   0 0 72,186
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,156 36,735 SH   SOLE   0 0 36,735
WALMART INC COM 931142103 264 1,887 SH   SOLE   0 0 1,887
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 2,701 28,748 SH   SOLE   0 0 28,748
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,532 223,470 SH   SOLE   0 0 223,470
ISHARES TR U.S. TECH ETF 464287721 56,933 189,101 SH   SOLE   0 0 189,101
ISHARES TR US INDUSTRIALS 464287754 767 4,587 SH   SOLE   0 0 4,587
SPDR SER TR S&P REGL BKG 78464A698 736 20,620 SH   SOLE   0 0 20,620
ISHARES TR US TREAS BD ETF 46429B267 2,888 103,318 SH   SOLE   0 0 103,318
EXXON MOBIL CORP COM 30231G102 319 9,293 SH   SOLE   0 0 9,293
ISHARES TR BARCLAYS 7 10 YR 464287440 64,988 533,474 SH   SOLE   0 0 533,474
ISHARES INC CORE MSCI EMKT 46434G103 14,038 265,874 SH   SOLE   0 0 265,874
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 229 4,534 SH   SOLE   0 0 4,534
SPDR SER TR PORTFOLIO LN TSR 78464A664 543 11,618 SH   SOLE   0 0 11,618
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 222 1,729 SH   SOLE   0 0 1,729
ISHARES TR IBOXX INV CP ETF 464287242 2,453 18,206 SH   SOLE   0 0 18,206
ISHARES TR 3 7 YR TREAS BD 464288661 1,240 9,281 SH   SOLE   0 0 9,281
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,560 208,913 SH   SOLE   0 0 208,913
ETFS TR BBRG ALL COMD K1 003261104 2,096 105,253 SH   SOLE   0 0 105,253
UBS AG LONDON BRANCH ETRACS BBG CMD 90269A450 1,731 131,356 SH   SOLE   0 0 131,356
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 312 5,750 SH   SOLE   0 0 5,750
ISHARES TR CORE S&P TTL STK 464287150 1,554 20,590 SH   SOLE   0 0 20,590
DBX ETF TR XTRACK USD HIGH 233051432 977 20,308 SH   SOLE   0 0 20,308
ISHARES INC MSCI EURZONE ETF 464286608 31,331 826,251 SH   SOLE   0 0 826,251
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 29,134 1,210,387 SH   SOLE   0 0 1,210,387
PINTEREST INC CL A 72352L106 212 5,103 SH   SOLE   0 0 5,103
AUTOMATIC DATA PROCESSING IN COM 053015103 372 2,667 SH   SOLE   0 0 2,667
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 30,451 149,272 SH   SOLE   0 0 149,272
SPDR SER TR PORTFOLIO S&P500 78464A854 9,146 232,422 SH   SOLE   0 0 232,422
ISHARES TR CORE INTL AGGR 46435G672 992 17,818 SH   SOLE   0 0 17,818
ISHARES GOLD TRUST ISHARES 464285105 1,323 73,551 SH   SOLE   0 0 73,551
ISHARES TR USD INV GRDE ETF 464288620 76,179 1,253,363 SH   SOLE   0 0 1,253,363
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 33,045 655,789 SH   SOLE   0 0 655,789
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 10,120 519,505 SH   SOLE   0 0 519,505
PROSHARES TR ONLINE RTL ETF 74347B169 344 5,478 SH   SOLE   0 0 5,478
ISHARES TR IBOXX HI YD ETF 464288513 872 10,393 SH   SOLE   0 0 10,393
ISHARES TR S&P 500 GRWT ETF 464287309 569 2,462 SH   SOLE   0 0 2,462
MCCORMICK & CO INC COM VTG 579780107 831 4,256 SH   SOLE   0 0 4,256
VERIZON COMMUNICATIONS INC COM 92343V104 420 7,060 SH   SOLE   0 0 7,060
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 336 7,307 SH   SOLE   0 0 7,307
COCA COLA CO COM 191216100 207 4,192 SH   SOLE   0 0 4,192
HIGHLAND FDS I HI LD IBOXX SRLN 430101774 1,286 81,785 SH   SOLE   0 0 81,785
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 684 11,070 SH   SOLE   0 0 11,070
ISHARES INC MSCI SWITZERLAND 464286749 29,668 722,383 SH   SOLE   0 0 722,383
ISHARES TR CORE MSCI EAFE 46432F842 1,764 29,266 SH   SOLE   0 0 29,266
ISHARES TR CORE S&P MCP ETF 464287507 3,263 17,607 SH   SOLE   0 0 17,607
ISHARES TR RUS 1000 ETF 464287622 282 1,509 SH   SOLE   0 0 1,509
SPDR SER TR PORTFOLIO AGRGTE 78464A649 762 24,736 SH   SOLE   0 0 24,736
MICROSOFT CORP COM 594918104 1,096 5,212 SH   SOLE   0 0 5,212
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 22,307 276,656 SH   SOLE   0 0 276,656
ADOBE SYSTEMS INCORPORATED COM 00724F101 785 1,600 SH   SOLE   0 0 1,600
ISHARES INC MSCI GERMANY ETF 464286806 27,945 959,332 SH   SOLE   0 0 959,332
MCDONALDS CORP COM 580135101 426 1,939 SH   SOLE   0 0 1,939
ALPHABET INC CAP STK CL A 02079K305 2,755 1,880 SH   SOLE   0 0 1,880
SPDR SER TR PORTFOLIO S&P600 78468R853 2,687 98,142 SH   SOLE   0 0 98,142
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,079 29,525 SH   SOLE   0 0 29,525
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 2,463 48,757 SH   SOLE   0 0 48,757
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,064 48,926 SH   SOLE   0 0 48,926
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 52,970 502,181 SH   SOLE   0 0 502,181
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,033 39,479 SH   SOLE   0 0 39,479
WISDOMTREE TR BLMBG US BULL 97717W471 616 23,132 SH   SOLE   0 0 23,132
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,096 25,358 SH   SOLE   0 0 25,358
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 61,163 1,204,108 SH   SOLE   0 0 1,204,108
ISHARES TR U.S. PHARMA ETF 464288836 542 3,315 SH   SOLE   0 0 3,315
ISHARES INC MSCI JPN ETF NEW 46434G822 33,198 562,015 SH   SOLE   0 0 562,015
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 82,211 559,332 SH   SOLE   0 0 559,332
ISHARES TR CRE U S REIT ETF 464288521 448 10,232 SH   SOLE   0 0 10,232
DBX ETF TR XTRACK MSCI JAPN 233051507 1,317 32,352 SH   SOLE   0 0 32,352
ISHARES INC MSCI PAC JP ETF 464286665 19,207 473,321 SH   SOLE   0 0 473,321
JOHNSON & JOHNSON COM 478160104 852 5,722 SH   SOLE   0 0 5,722
ISHARES TR INTL TREA BD ETF 464288117 1,295 24,502 SH   SOLE   0 0 24,502
UBS AG JERSEY BRANCH DJ COMMD ETN39 902641679 1,785 135,727 SH   SOLE   0 0 135,727
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,116 59,832 SH   SOLE   0 0 59,832
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,345 50,278 SH   SOLE   0 0 50,278
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 25,362 456,114 SH   SOLE   0 0 456,114
PFIZER INC COM 717081103 245 6,674 SH   SOLE   0 0 6,674
DISNEY WALT CO COM DISNEY 254687106 247 1,991 SH   SOLE   0 0 1,991
ISHARES TR TIPS BD ETF 464287176 7,863 62,155 SH   SOLE   0 0 62,155
PEPSICO INC COM 713448108 378 2,729 SH   SOLE   0 0 2,729
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,203 78,312 SH   SOLE   0 0 78,312
CVS HEALTH CORP COM 126650100 275 4,712 SH   SOLE   0 0 4,712
BK OF AMERICA CORP COM 060505104 554 23,001 SH   SOLE   0 0 23,001
SPDR SER TR PORTFOLIO CRPORT 78464A144 1,028 29,025 SH   SOLE   0 0 29,025
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 45,541 710,461 SH   SOLE   0 0 710,461
NEXTERA ENERGY INC COM 65339F101 304 1,096 SH   SOLE   0 0 1,096
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,396 51,469 SH   SOLE   0 0 51,469
DBX ETF TR XTRACK HRVST CSI 233051879 303 8,788 SH   SOLE   0 0 8,788
AMAZON COM INC COM 023135106 573 182 SH   SOLE   0 0 182
AT&T INC COM 00206R102 577 20,246 SH   SOLE   0 0 20,246
MERCK & CO. INC COM 58933Y105 357 4,307 SH   SOLE   0 0 4,307
COLGATE PALMOLIVE CO COM 194162103 292 3,779 SH   SOLE   0 0 3,779
PRICE T ROWE GROUP INC COM 74144T108 305 2,378 SH   SOLE   0 0 2,378
WISDOMTREE TR YIELD ENHANCED 97717Y808 264 5,129 SH   SOLE   0 0 5,129
SPDR SER TR BLOMBRG BRC INTL 78464A151 385 10,810 SH   SOLE   0 0 10,810
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 876 9,342 SH   SOLE   0 0 9,342
BOEING CO COM 097023105 297 1,797 SH   SOLE   0 0 1,797
PROCTER AND GAMBLE CO COM 742718109 859 6,179 SH   SOLE   0 0 6,179
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,149 90,001 SH   SOLE   0 0 90,001
WORLD GOLD TR SPDR GLD MINIS 98149E105 52,515 2,793,331 SH   SOLE   0 0 2,793,331
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 760 4,654 SH   SOLE   0 0 4,654
ISHARES TR US HLTHCARE ETF 464287762 1,268 5,580 SH   SOLE   0 0 5,580
ISHARES TR JPMORGAN USD EMG 464288281 958 8,642 SH   SOLE   0 0 8,642
JANUS DETROIT STR TR HENDERSON MTG 47103U852 71,301 1,329,854 SH   SOLE   0 0 1,329,854
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 42,373 550,448 SH   SOLE   0 0 550,448
ISHARES TR CORE S&P SCP ETF 464287804 2,944 41,913 SH   SOLE   0 0 41,913
ISHARES TR 1 3 YR TREAS BD 464287457 334 3,856 SH   SOLE   0 0 3,856
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,240 57,198 SH   SOLE   0 0 57,198
ISHARES TR US HOME CONS ETF 464288752 4,176 73,716 SH   SOLE   0 0 73,716
ISHARES INC MSCI FRNTR100ETF 464286145 2,079 81,235 SH   SOLE   0 0 81,235
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 544 2,553 SH   SOLE   0 0 2,553
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 1,851 83,829 SH   SOLE   0 0 83,829
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 664 11,353 SH   SOLE   0 0 11,353
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 284 1,210 SH   SOLE   0 0 1,210
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 513 11,464 SH   SOLE   0 0 11,464
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 866 10,964 SH   SOLE   0 0 10,964
GLOBAL X FDS US INFR DEV ETF 37954Y673 14,756 875,243 SH   SOLE   0 0 875,243
VISA INC COM CL A 92826C839 302 1,509 SH   SOLE   0 0 1,509
FACEBOOK INC CL A 30303M102 293 1,120 SH   SOLE   0 0 1,120
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 116,884 1,001,574 SH   SOLE   0 0 1,001,574
ISHARES TR PHLX SEMICND ETF 464287523 23,720 77,870 SH   SOLE   0 0 77,870
ISHARES TR CORE US AGGBD ET 464287226 7,961 67,431 SH   SOLE   0 0 67,431
PNC FINL SVCS GROUP INC COM 693475105 284 2,583 SH   SOLE   0 0 2,583
ISHARES TR ESG AWR MSCI USA 46435G425 249 3,273 SH   SOLE   0 0 3,273
VANGUARD INDEX FDS TOTAL STK MKT 922908769 776 4,555 SH   SOLE   0 0 4,555
SMITH A O CORP COM 831865209 253 4,800 SH   SOLE   0 0 4,800
SOUTHERN CO COM 842587107 321 5,916 SH   SOLE   0 0 5,916
SCHWAB STRATEGIC TR US TIPS ETF 808524870 19,573 317,594 SH   SOLE   0 0 317,594
INTERNATIONAL BUSINESS MACHS COM 459200101 242 1,990 SH   SOLE   0 0 1,990
SPDR SER TR PORTFLI MORTGAGE 78464A383 1,068 40,087 SH   SOLE   0 0 40,087
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,930 16,025 SH   SOLE   0 0 16,025
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 619 17,545 SH   SOLE   0 0 17,545
SPDR SER TR PORTFOLIO S&P400 78464A847 2,565 78,600 SH   SOLE   0 0 78,600
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 286 3,452 SH   SOLE   0 0 3,452
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 9,714 371,196 SH   SOLE   0 0 371,196
ISHARES TR RUS 1000 GRW ETF 464287614 309 1,426 SH   SOLE   0 0 1,426
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,361 17,244 SH   SOLE   0 0 17,244
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,037 10,179 SH   SOLE   0 0 10,179
SPDR SER TR BLOMBERG INTL TR 78464A516 1,318 44,425 SH   SOLE   0 0 44,425
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 543 10,503 SH   SOLE   0 0 10,503
MCCORMICK & CO INC COM NON VTG 579780206 1,165 6,000 SH   SOLE   0 0 6,000
ISHARES TR MBS ETF 464288588 3,914 35,449 SH   SOLE   0 0 35,449
ISHARES TR 20 YR TR BD ETF 464287432 27,257 166,954 SH   SOLE   0 0 166,954
ISHARES TR BROAD USD HIGH 46435U853 352 8,920 SH   SOLE   0 0 8,920
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,273 146,042 SH   SOLE   0 0 146,042
ALPHABET INC CAP STK CL C 02079K107 2,882 1,961 SH   SOLE   0 0 1,961
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,010 19,710 SH   SOLE   0 0 19,710
ISHARES TR CORE S&P500 ETF 464287200 19,105 56,849 SH   SOLE   0 0 56,849
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,036 90,775 SH   SOLE   0 0 90,775
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 774 32,937 SH   SOLE   0 0 32,937