OPERATIONS SPECIALIST

0001504404-21-000003.txt : 20210512 0001504404-21-000003.hdr.sgml : 20210512 20210512105547 ACCESSION NUMBER: 0001504404-21-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210331 FILED AS OF DATE: 20210512 DATE AS OF CHANGE: 20210512 EFFECTIVENESS DATE: 20210512 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Pinnacle Advisory Group, Inc. CENTRAL INDEX KEY: 0001504404 IRS NUMBER: 201126571 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-14011 FILM NUMBER: 21913977 BUSINESS ADDRESS: STREET 1: 6345 WOODSIDE COURT STREET 2: SUITE 100 CITY: COLUMBIA STATE: MD ZIP: 21046 BUSINESS PHONE: 410-995-6630 MAIL ADDRESS: STREET 1: 6345 WOODSIDE COURT STREET 2: SUITE 100 CITY: COLUMBIA STATE: MD ZIP: 21046 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0001504404 XXXXXXXX 03-31-2021 03-31-2021 Pinnacle Advisory Group, Inc.

6345 WOODSIDE COURT SUITE 100 COLUMBIA MD 21046

13F HOLDINGS REPORT 028-14011 N KARIMA ESCALONA OPERATIONS SPECIALIST 4109956630 KARIMA ESCALONA COLUMBIA MD 05-12-2021 0 253 2173086 false INFORMATION TABLE 2 PinnacleAdvisory13f.xml FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 23425 478539 SH SOLE 0 0 0 478539 PFIZER INC COM 717081103 650 17939 SH SOLE 0 0 0 17939 SNAP INC CL A 83304A106 590 11283 SH SOLE 0 0 0 11283 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 302 2133 SH SOLE 0 0 0 2133 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1686 53037 SH SOLE 0 0 0 53037 FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 36339 643975 SH SOLE 0 0 0 643975 ISHARES TR NATIONAL MUN ETF 464288414 11860 102193 SH SOLE 0 0 0 102193 SPDR SER TR PORTFOLIO INTRMD 78464A375 340 9381 SH SOLE 0 0 0 9381 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 33031 419179 SH SOLE 0 0 0 419179 SCHWAB STRATEGIC TR US REIT ETF 808524847 3043 74053 SH SOLE 0 0 0 74053 SPDR SER TR PORTFLI TIPS ETF 78464A656 505 16541 SH SOLE 0 0 0 16541 DISNEY WALT CO COM 254687106 498 2697 SH SOLE 0 0 0 2697 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 293 3014 SH SOLE 0 0 0 3014 VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1 100 SH Call SOLE 0 0 0 100 MASTERCARD INCORPORATED CL A 57636Q104 410 1151 SH SOLE 0 0 0 1151 SPDR S&P 500 ETF TR TR UNIT 78462F103 1734 4374 SH SOLE 0 0 0 4374 SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 53968 736067 SH SOLE 0 0 0 736067 BK OF AMERICA CORP COM 060505104 971 25108 SH SOLE 0 0 0 25108 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 0 100 SH Put SOLE 0 0 0 100 CSI COMPRESSCO LP COM UNIT 12637A103 29 16000 SH SOLE 0 0 0 16000 ISHARES TR MSCI UK SM ETF 46429B416 703 15417 SH SOLE 0 0 0 15417 SABINE ROYALTY TR UNIT BEN INT 785688102 408 13438 SH SOLE 0 0 0 13438 CVS HEALTH CORP COM 126650100 418 5562 SH SOLE 0 0 0 5562 COSTCO WHSL CORP NEW COM 22160K105 206 585 SH SOLE 0 0 0 585 ISHARES TR TIPS BD ETF 464287176 2324 18515 SH SOLE 0 0 0 18515 PEPSICO INC COM 713448108 604 4272 SH SOLE 0 0 0 4272 FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 365 3447 SH SOLE 0 0 0 3447 VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5429 110541 SH SOLE 0 0 0 110541 COMERICA INC COM 200340107 426 5933 SH SOLE 0 0 0 5933 SELECT SECTOR SPDR TR ENERGY 81369Y506 30934 630530 SH SOLE 0 0 0 630530 SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 29125 426368 SH SOLE 0 0 0 426368 SPDR SER TR PORTFOLIO CRPORT 78464A144 1804 52399 SH SOLE 0 0 0 52399 NEXTERA ENERGY INC COM 65339F101 1211 16017 SH SOLE 0 0 0 16017 DBX ETF TR XTRACK HRVST CSI 233051879 488 12624 SH SOLE 0 0 0 12624 UNION PAC CORP COM 907818108 450 2042 SH SOLE 0 0 0 2042 SPDR SER TR BLOOMBERG BRCLYS 78468R622 688 6327 SH SOLE 0 0 0 6327 AT&T INC COM 00206R102 957 31610 SH SOLE 0 0 0 31610 TARGET CORP COM 87612E106 210 1058 SH SOLE 0 0 0 1058 LOWES COS INC COM 548661107 212 1117 SH SOLE 0 0 0 1117 QUALCOMM INC COM 747525103 254 1915 SH SOLE 0 0 0 1915 APPLE INC COM 037833100 9557 78240 SH SOLE 0 0 0 78240 INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1567 58540 SH SOLE 0 0 0 58540 AMAZON COM INC COM 023135106 1860 601 SH SOLE 0 0 0 601 MERCK & CO. INC COM 58933Y105 408 5297 SH SOLE 0 0 0 5297 ISHARES TR U.S. MED DVC ETF 464288810 29622 89665 SH SOLE 0 0 0 89665 PHILIP MORRIS INTL INC COM 718172109 3123 35189 SH SOLE 0 0 0 35189 GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 604 11889 SH SOLE 0 0 0 11889 SPDR SER TR BLOMBRG BRC INTL 78464A151 554 15468 SH SOLE 0 0 0 15468 COLGATE PALMOLIVE CO COM 194162103 298 3779 SH SOLE 0 0 0 3779 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2526 30731 SH SOLE 0 0 0 30731 PROCTER AND GAMBLE CO COM 742718109 1531 11301 SH SOLE 0 0 0 11301 NORFOLK SOUTHN CORP COM 655844108 505 1879 SH SOLE 0 0 0 1879 SONY CORP SPONSORED ADR 835699307 290 2738 SH SOLE 0 0 0 2738 PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1041 10491 SH SOLE 0 0 0 10491 WISDOMTREE TR YIELD ENHANCED 97717Y808 964 18912 SH SOLE 0 0 0 18912 PRICE T ROWE GROUP INC COM 74144T108 381 2219 SH SOLE 0 0 0 2219 BOEING CO COM 097023105 836 3281 SH SOLE 0 0 0 3281 ISHARES TR ESG AW MSCI EAFE 46435G516 498 6561 SH SOLE 0 0 0 6561 PIMCO ETF TR INV GRD CRP BD 72201R817 870 7813 SH SOLE 0 0 0 7813 VANGUARD INDEX FDS GROWTH ETF 922908736 303 1178 SH SOLE 0 0 0 1178 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8474 85016 SH SOLE 0 0 0 85016 SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2484 44032 SH SOLE 0 0 0 44032 TRUIST FINL CORP COM 89832Q109 433 7420 SH SOLE 0 0 0 7420 WORLD GOLD TR SPDR GLD MINIS 98149E204 37802 2223651 SH SOLE 0 0 0 2223651 MODERNA INC COM 60770K107 276 2104 SH SOLE 0 0 0 2104 ADT INC DEL COM 00090Q103 211 25000 SH SOLE 0 0 0 25000 ISHARES TR JPMORGAN USD EMG 464288281 1210 11117 SH SOLE 0 0 0 11117 ISHARES TR US HLTHCARE ETF 464287762 1263 5005 SH SOLE 0 0 0 5005 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14211 263404 SH SOLE 0 0 0 263404 INTEL CORP COM 458140100 259 4045 SH SOLE 0 0 0 4045 VANGUARD WORLD FDS CONSUM STP ETF 92204A207 515 2889 SH SOLE 0 0 0 2889 WALMART INC COM 931142103 492 3620 SH SOLE 0 0 0 3620 COMMUNITY BK SYS INC COM 203607106 574 7488 SH SOLE 0 0 0 7488 ISHARES TR U.S. TECH ETF 464287721 41809 476733 SH SOLE 0 0 0 476733 ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 3234 34896 SH SOLE 0 0 0 34896 ISHARES TR GL CLEAN ENE ETF 464288224 241 9914 SH SOLE 0 0 0 9914 ISHARES INC ESG AWR MSCI EM 46434G863 325 7495 SH SOLE 0 0 0 7495 SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 304 9462 SH SOLE 0 0 0 9462 DBX ETF TR XTRACKERS S&P 233051143 534 15353 SH SOLE 0 0 0 15353 ISHARES TR CORE S&P SCP ETF 464287804 4538 41813 SH SOLE 0 0 0 41813 ISHARES TR US TREAS BD ETF 46429B267 4577 174770 SH SOLE 0 0 0 174770 JPMORGAN CHASE & CO COM 46625H100 479 3147 SH SOLE 0 0 0 3147 FEDEX CORP COM 31428X106 276 973 SH SOLE 0 0 0 973 VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2734 84130 SH SOLE 0 0 0 84130 COMCAST CORP NEW CL A 20030N101 215 3973 SH SOLE 0 0 0 3973 SPDR SER TR S&P 600 SMCP VAL 78464A300 215 2620 SH SOLE 0 0 0 2620 JANUS DETROIT STR TR HENDERSON MTG 47103U852 99214 1869846 SH SOLE 0 0 0 1869846 SPDR SER TR S&P REGL BKG 78464A698 1714 25835 SH SOLE 0 0 0 25835 SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 66894 679473 SH SOLE 0 0 0 679473 ISHARES TR US HOME CONS ETF 464288752 26115 384803 SH SOLE 0 0 0 384803 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 518 5352 SH SOLE 0 0 0 5352 CISCO SYS INC COM 17275R102 611 11816 SH SOLE 0 0 0 11816 ISHARES TR US INDUSTRIALS 464287754 1310 12394 SH SOLE 0 0 0 12394 BRISTOL-MYERS SQUIBB CO COM 110122108 321 5091 SH SOLE 0 0 0 5091 ISHARES TR RUSSELL 3000 ETF 464287689 303 1276 SH SOLE 0 0 0 1276 ISHARES TR 1 3 YR TREAS BD 464287457 474 5493 SH SOLE 0 0 0 5493 EXXON MOBIL CORP COM 30231G102 1116 19993 SH SOLE 0 0 0 19993 VANGUARD WORLD FDS ENERGY ETF 92204A306 1118 16441 SH SOLE 0 0 0 16441 EXACT SCIENCES CORP COM 30063P105 334 2532 SH SOLE 0 0 0 2532 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 276 4542 SH SOLE 0 0 0 4542 ISHARES TR PFD AND INCM SEC 464288687 297 7741 SH SOLE 0 0 0 7741 FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 228 2986 SH SOLE 0 0 0 2986 VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 708 2398 SH SOLE 0 0 0 2398 ISHARES TR BARCLAYS 7 10 YR 464287440 79216 701461 SH SOLE 0 0 0 701461 IDACORP INC COM 451107106 271 2715 SH SOLE 0 0 0 2715 ISHARES INC CORE MSCI EMKT 46434G103 54916 853270 SH SOLE 0 0 0 853270 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1123 4395 SH SOLE 0 0 0 4395 SPDR SER TR PORTFOLIO LN TSR 78464A664 525 13475 SH SOLE 0 0 0 13475 ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 222 978 SH SOLE 0 0 0 978 VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1615 19108 SH SOLE 0 0 0 19108 SPDR S&P 500 ETF TR TR UNIT 78462F103 0 100 SH Call SOLE 0 0 0 100 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1666 18132 SH SOLE 0 0 0 18132 VISA INC COM CL A 92826C839 566 2671 SH SOLE 0 0 0 2671 GLOBAL X FDS US INFR DEV ETF 37954Y673 52849 2108888 SH SOLE 0 0 0 2108888 ETFS TR BBRG ALL COMD K1 003261104 2355 101146 SH SOLE 0 0 0 101146 ISHARES TR IBOXX INV CP ETF 464287242 3452 26542 SH SOLE 0 0 0 26542 FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 281 4766 SH SOLE 0 0 0 4766 UBS AG LONDON BRANCH ETRACS BBG CMD 90269A450 2679 170890 SH SOLE 0 0 0 170890 SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 62592 1368431 SH SOLE 0 0 0 1368431 ISHARES TR 3 7 YR TREAS BD 464288661 863 6646 SH SOLE 0 0 0 6646 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 468 3184 SH SOLE 0 0 0 3184 MONDELEZ INTL INC CL A 609207105 907 15494 SH SOLE 0 0 0 15494 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8106 215462 SH SOLE 0 0 0 215462 NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 334 6678 SH SOLE 0 0 0 6678 ISHARES INC MSCI EURZONE ETF 464286608 41212 887619 SH SOLE 0 0 0 887619 ISHARES TR PHLX SEMICND ETF 464287523 42254 99659 SH SOLE 0 0 0 99659 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 488 9149 SH SOLE 0 0 0 9149 VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1 500 SH Call SOLE 0 0 0 500 SPDR SER TR S&P OILGAS EXP 78468R556 359 4414 SH SOLE 0 0 0 4414 SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 70232 2062603 SH SOLE 0 0 0 2062603 DBX ETF TR XTRACK USD HIGH 233051432 1497 29938 SH SOLE 0 0 0 29938 SPDR SER TR SSGA GNDER ETF 78468R747 653 6877 SH SOLE 0 0 0 6877 ISHARES TR CORE INTL AGGR 46435G672 1455 26525 SH SOLE 0 0 0 26525 LILLY ELI & CO COM 532457108 431 2306 SH SOLE 0 0 0 2306 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 410 5628 SH SOLE 0 0 0 5628 VANGUARD INDEX FDS SMALL CP ETF 922908751 259 1208 SH SOLE 0 0 0 1208 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 24234 105941 SH SOLE 0 0 0 105941 ISHARES TR CORE S&P TTL STK 464287150 2133 23290 SH SOLE 0 0 0 23290 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 165931 1249383 SH SOLE 0 0 0 1249383 AUTOMATIC DATA PROCESSING IN COM 053015103 538 2853 SH SOLE 0 0 0 2853 FACEBOOK INC CL A 30303M102 522 1774 SH SOLE 0 0 0 1774 SPDR SER TR PORTFOLIO S&P500 78464A854 12786 274323 SH SOLE 0 0 0 274323 GLOBAL X FDS GLOBAL X URANIUM 37954Y871 431 22881 SH SOLE 0 0 0 22881 ACNB CORP COM 000868109 204 6950 SH SOLE 0 0 0 6950 VANGUARD INDEX FDS TOTAL STK MKT 922908769 1456 7046 SH SOLE 0 0 0 7046 JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 41217 821285 SH SOLE 0 0 0 821285 ISHARES TR IBOXX HI YD ETF 464288513 1239 14214 SH SOLE 0 0 0 14214 ALTRIA GROUP INC COM 02209S103 1817 35514 SH SOLE 0 0 0 35514 SMITH A O CORP COM 831865209 325 4800 SH SOLE 0 0 0 4800 ISHARES TR USD INV GRDE ETF 464288620 91003 1541372 SH SOLE 0 0 0 1541372 BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 9363 395732 SH SOLE 0 0 0 395732 CITIGROUP INC COM NEW 172967424 291 3997 SH SOLE 0 0 0 3997 GOLDMINING INC COM 38149E101 17 10241 SH SOLE 0 0 0 10241 PNC FINL SVCS GROUP INC COM 693475105 453 2583 SH SOLE 0 0 0 2583 PROSHARES TR ONLINE RTL ETF 74347B169 523 6673 SH SOLE 0 0 0 6673 HOME DEPOT INC COM 437076102 211 691 SH SOLE 0 0 0 691 ISHARES TR CORE US AGGBD ET 464287226 10077 88523 SH SOLE 0 0 0 88523 ISHARES TR ESG AWR MSCI USA 46435G425 289 3184 SH SOLE 0 0 0 3184 HIGHLAND FDS I HI LD IBOXX SRLN 430101774 1671 103762 SH SOLE 0 0 0 103762 SPDR SER TR PORTFOLIO S&P400 78464A847 3353 73268 SH SOLE 0 0 0 73268 INVESCO QQQ TR UNIT SER 1 46090E103 557 1745 SH SOLE 0 0 0 1745 LOCKHEED MARTIN CORP COM 539830109 460 1246 SH SOLE 0 0 0 1246 AMGEN INC COM 031162100 943 3788 SH SOLE 0 0 0 3788 SOUTHERN CO COM 842587107 260 4188 SH SOLE 0 0 0 4188 CSX CORP COM 126408103 562 5831 SH SOLE 0 0 0 5831 INTERNATIONAL BUSINESS MACHS COM 459200101 980 7352 SH SOLE 0 0 0 7352 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1105 8192 SH SOLE 0 0 0 8192 FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 40636 1700943 SH SOLE 0 0 0 1700943 FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 13297 437258 SH SOLE 0 0 0 437258 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 280 3394 SH SOLE 0 0 0 3394 FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 706 11765 SH SOLE 0 0 0 11765 ISHARES TR ESG AWARE MSCI 46435U663 380 9868 SH SOLE 0 0 0 9868 FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 758 15819 SH SOLE 0 0 0 15819 GRANITESHARES ETF TR BBG COMMD K 1 38747R108 70190 2813411 SH SOLE 0 0 0 2813411 VERIZON COMMUNICATIONS INC COM 92343V104 568 9765 SH SOLE 0 0 0 9765 NVIDIA CORPORATION COM 67066G104 711 1331 SH SOLE 0 0 0 1331 SCHWAB STRATEGIC TR US TIPS ETF 808524870 3210 52478 SH SOLE 0 0 0 52478 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5951 16335 SH SOLE 0 0 0 16335 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 288 4494 SH SOLE 0 0 0 4494 AMERICAN ELEC PWR CO INC COM 025537101 640 7557 SH SOLE 0 0 0 7557 SPDR SER TR PORTFLI MORTGAGE 78464A383 1690 65166 SH SOLE 0 0 0 65166 TESLA INC COM 88160R101 495 741 SH SOLE 0 0 0 741 ISHARES INC MSCI SWITZERLAND 464286749 231 5220 SH SOLE 0 0 0 5220 MCCORMICK & CO INC COM VTG 579780107 759 8512 SH SOLE 0 0 0 8512 ISHARES TR S&P 500 GRWT ETF 464287309 644 9889 SH SOLE 0 0 0 9889 SPDR SER TR PORTFOLIO AGRGTE 78464A649 1262 42547 SH SOLE 0 0 0 42547 ISHARES TR MSCI EMG MKT ETF 464287234 491 9209 SH SOLE 0 0 0 9209 VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2055 26512 SH SOLE 0 0 0 26512 STARBUCKS CORP COM 855244109 214 1957 SH SOLE 0 0 0 1957 10X GENOMICS INC CL A COM 88025U109 937 5179 SH SOLE 0 0 0 5179 DOMINION ENERGY INC COM 25746U109 476 6261 SH SOLE 0 0 0 6261 MICROSOFT CORP COM 594918104 4155 17623 SH SOLE 0 0 0 17623 ISHARES TR CORE MSCI EAFE 46432F842 2584 35871 SH SOLE 0 0 0 35871 UGI CORP NEW COM 902681105 8517 207684 SH SOLE 0 0 0 207684 BLACKSTONE GROUP INC COM 09260D107 401 5375 SH SOLE 0 0 0 5375 SPDR GOLD TR GOLD SHS 78463V107 210 1314 SH SOLE 0 0 0 1314 ISHARES TR S&P 500 VAL ETF 464287408 1790 12672 SH SOLE 0 0 0 12672 ADOBE SYSTEMS INCORPORATED COM 00724F101 761 1600 SH SOLE 0 0 0 1600 ISHARES TR RUS 1000 ETF 464287622 340 1519 SH SOLE 0 0 0 1519 VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1448 11137 SH SOLE 0 0 0 11137 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30424 316817 SH SOLE 0 0 0 316817 ISHARES TR CORE S&P MCP ETF 464287507 4560 17521 SH SOLE 0 0 0 17521 ISHARES TR RUS 1000 GRW ETF 464287614 403 1658 SH SOLE 0 0 0 1658 ISHARES INC MSCI GERMANY ETF 464286806 43025 1286632 SH SOLE 0 0 0 1286632 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 25415 217709 SH SOLE 0 0 0 217709 MCDONALDS CORP COM 580135101 572 2554 SH SOLE 0 0 0 2554 SPDR SER TR PORTFOLIO S&P600 78468R853 34622 819060 SH SOLE 0 0 0 819060 ISHARES TR 20 YR TR BD ETF 464287432 0 300 SH Call SOLE 0 0 0 300 SPDR SER TR BLOMBERG INTL TR 78464A516 1484 50923 SH SOLE 0 0 0 50923 INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 208 9401 SH SOLE 0 0 0 9401 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1931 44105 SH SOLE 0 0 0 44105 ISHARES TR MBS ETF 464288588 5736 52904 SH SOLE 0 0 0 52904 MCCORMICK & CO INC COM NON VTG 579780206 1074 12046 SH SOLE 0 0 0 12046 INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1214 54858 SH SOLE 0 0 0 54858 ALPHABET INC CAP STK CL A 02079K305 3987 1933 SH SOLE 0 0 0 1933 INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 1683 33338 SH SOLE 0 0 0 33338 EMERSON ELEC CO COM 291011104 213 2366 SH SOLE 0 0 0 2366 SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1605 31284 SH SOLE 0 0 0 31284 ALPHABET INC CAP STK CL C 02079K107 4348 2102 SH SOLE 0 0 0 2102 J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 38127 751189 SH SOLE 0 0 0 751189 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3274 32124 SH SOLE 0 0 0 32124 ISHARES TR BROAD USD HIGH 46435U853 624 15160 SH SOLE 0 0 0 15160 ISHARES TR 20 YR TR BD ETF 464287432 42172 311345 SH SOLE 0 0 0 311345 GLOBAL X FDS CONSCIOUS COS 37954Y731 596 20462 SH SOLE 0 0 0 20462 ISHARES TR ISHS 1-5YR INVS 464288646 364 6650 SH SOLE 0 0 0 6650 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6912 195485 SH SOLE 0 0 0 195485 SHIFT TECHNOLOGIES INC CL A 82452T107 166 20000 SH SOLE 0 0 0 20000 SPDR SER TR S&P BK ETF 78464A797 45343 874004 SH SOLE 0 0 0 874004 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2526 48528 SH SOLE 0 0 0 48528 FORD MTR CO DEL COM 345370860 218 17823 SH SOLE 0 0 0 17823 ALKALINE WTR CO INC COM NEW 01643A207 44 40000 SH SOLE 0 0 0 40000 NUSHARES ETF TR NUVEEN ESG US 67092P870 266 10321 SH SOLE 0 0 0 10321 BP PLC SPONSORED ADR 055622104 260 10670 SH SOLE 0 0 0 10670 ISHARES INC MSCI JPN ETF NEW 46434G822 51021 744612 SH SOLE 0 0 0 744612 SPDR GOLD TR GOLD SHS 78463V107 2 200 SH Call SOLE 0 0 0 200 ISHARES TR CORE S&P500 ETF 464287200 26968 67790 SH SOLE 0 0 0 67790 MIRUM PHARMACEUTICALS INC COM 604749101 198 10000 SH SOLE 0 0 0 10000 SPDR SER TR S&P DIVID ETF 78464A763 2070 17541 SH SOLE 0 0 0 17541 SPDR SER TR PRTFLO S&P500 VL 78464A508 241 6366 SH SOLE 0 0 0 6366 ISHARES INC MSCI FRONTIER 464286145 2841 96339 SH SOLE 0 0 0 96339 FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1136 41311 SH SOLE 0 0 0 41311 ISHARES INC MSCI PAC JP ETF 464286665 31159 620330 SH SOLE 0 0 0 620330 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1267 5903 SH SOLE 0 0 0 5903 ISHARES TR CRE U S REIT ETF 464288521 1085 20713 SH SOLE 0 0 0 20713 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6982 93812 SH SOLE 0 0 0 93812 JOHNSON & JOHNSON COM 478160104 1397 8498 SH SOLE 0 0 0 8498 INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 31235 679465 SH SOLE 0 0 0 679465 VANGUARD INDEX FDS SM CP VAL ETF 922908611 1087 6565 SH SOLE 0 0 0 6565 M & T BK CORP COM 55261F104 227 1495 SH SOLE 0 0 0 1495 KRAFT HEINZ CO COM 500754106 233 5832 SH SOLE 0 0 0 5832 SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 99146 589909 SH SOLE 0 0 0 589909 DBX ETF TR XTRACK MSCI JAPN 233051507 201 4021 SH SOLE 0 0 0 4021 ISHARES TR INTL TREA BD ETF 464288117 1446 27852 SH SOLE 0 0 0 27852