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
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 23,425 478,539 SH   SOLE 0 0 0 478,539
PFIZER INC COM 717081103 650 17,939 SH   SOLE 0 0 0 17,939
SNAP INC CL A 83304A106 590 11,283 SH   SOLE 0 0 0 11,283
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 302 2,133 SH   SOLE 0 0 0 2,133
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,686 53,037 SH   SOLE 0 0 0 53,037
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 36,339 643,975 SH   SOLE 0 0 0 643,975
ISHARES TR NATIONAL MUN ETF 464288414 11,860 102,193 SH   SOLE 0 0 0 102,193
SPDR SER TR PORTFOLIO INTRMD 78464A375 340 9,381 SH   SOLE 0 0 0 9,381
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 33,031 419,179 SH   SOLE 0 0 0 419,179
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,043 74,053 SH   SOLE 0 0 0 74,053
SPDR SER TR PORTFLI TIPS ETF 78464A656 505 16,541 SH   SOLE 0 0 0 16,541
DISNEY WALT CO COM 254687106 498 2,697 SH   SOLE 0 0 0 2,697
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 293 3,014 SH   SOLE 0 0 0 3,014
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1 100 SH Call SOLE 0 0 0 100
MASTERCARD INCORPORATED CL A 57636Q104 410 1,151 SH   SOLE 0 0 0 1,151
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,734 4,374 SH   SOLE 0 0 0 4,374
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 53,968 736,067 SH   SOLE 0 0 0 736,067
BK OF AMERICA CORP COM 060505104 971 25,108 SH   SOLE 0 0 0 25,108
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 0 100 SH Put SOLE 0 0 0 100
CSI COMPRESSCO LP COM UNIT 12637A103 29 16,000 SH   SOLE 0 0 0 16,000
ISHARES TR MSCI UK SM ETF 46429B416 703 15,417 SH   SOLE 0 0 0 15,417
SABINE ROYALTY TR UNIT BEN INT 785688102 408 13,438 SH   SOLE 0 0 0 13,438
CVS HEALTH CORP COM 126650100 418 5,562 SH   SOLE 0 0 0 5,562
COSTCO WHSL CORP NEW COM 22160K105 206 585 SH   SOLE 0 0 0 585
ISHARES TR TIPS BD ETF 464287176 2,324 18,515 SH   SOLE 0 0 0 18,515
PEPSICO INC COM 713448108 604 4,272 SH   SOLE 0 0 0 4,272
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 365 3,447 SH   SOLE 0 0 0 3,447
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,429 110,541 SH   SOLE 0 0 0 110,541
COMERICA INC COM 200340107 426 5,933 SH   SOLE 0 0 0 5,933
SELECT SECTOR SPDR TR ENERGY 81369Y506 30,934 630,530 SH   SOLE 0 0 0 630,530
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 29,125 426,368 SH   SOLE 0 0 0 426,368
SPDR SER TR PORTFOLIO CRPORT 78464A144 1,804 52,399 SH   SOLE 0 0 0 52,399
NEXTERA ENERGY INC COM 65339F101 1,211 16,017 SH   SOLE 0 0 0 16,017
DBX ETF TR XTRACK HRVST CSI 233051879 488 12,624 SH   SOLE 0 0 0 12,624
UNION PAC CORP COM 907818108 450 2,042 SH   SOLE 0 0 0 2,042
SPDR SER TR BLOOMBERG BRCLYS 78468R622 688 6,327 SH   SOLE 0 0 0 6,327
AT&T INC COM 00206R102 957 31,610 SH   SOLE 0 0 0 31,610
TARGET CORP COM 87612E106 210 1,058 SH   SOLE 0 0 0 1,058
LOWES COS INC COM 548661107 212 1,117 SH   SOLE 0 0 0 1,117
QUALCOMM INC COM 747525103 254 1,915 SH   SOLE 0 0 0 1,915
APPLE INC COM 037833100 9,557 78,240 SH   SOLE 0 0 0 78,240
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,567 58,540 SH   SOLE 0 0 0 58,540
AMAZON COM INC COM 023135106 1,860 601 SH   SOLE 0 0 0 601
MERCK & CO. INC COM 58933Y105 408 5,297 SH   SOLE 0 0 0 5,297
ISHARES TR U.S. MED DVC ETF 464288810 29,622 89,665 SH   SOLE 0 0 0 89,665
PHILIP MORRIS INTL INC COM 718172109 3,123 35,189 SH   SOLE 0 0 0 35,189
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 604 11,889 SH   SOLE 0 0 0 11,889
SPDR SER TR BLOMBRG BRC INTL 78464A151 554 15,468 SH   SOLE 0 0 0 15,468
COLGATE PALMOLIVE CO COM 194162103 298 3,779 SH   SOLE 0 0 0 3,779
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,526 30,731 SH   SOLE 0 0 0 30,731
PROCTER AND GAMBLE CO COM 742718109 1,531 11,301 SH   SOLE 0 0 0 11,301
NORFOLK SOUTHN CORP COM 655844108 505 1,879 SH   SOLE 0 0 0 1,879
SONY CORP SPONSORED ADR 835699307 290 2,738 SH   SOLE 0 0 0 2,738
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,041 10,491 SH   SOLE 0 0 0 10,491
WISDOMTREE TR YIELD ENHANCED 97717Y808 964 18,912 SH   SOLE 0 0 0 18,912
PRICE T ROWE GROUP INC COM 74144T108 381 2,219 SH   SOLE 0 0 0 2,219
BOEING CO COM 097023105 836 3,281 SH   SOLE 0 0 0 3,281
ISHARES TR ESG AW MSCI EAFE 46435G516 498 6,561 SH   SOLE 0 0 0 6,561
PIMCO ETF TR INV GRD CRP BD 72201R817 870 7,813 SH   SOLE 0 0 0 7,813
VANGUARD INDEX FDS GROWTH ETF 922908736 303 1,178 SH   SOLE 0 0 0 1,178
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,474 85,016 SH   SOLE 0 0 0 85,016
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,484 44,032 SH   SOLE 0 0 0 44,032
TRUIST FINL CORP COM 89832Q109 433 7,420 SH   SOLE 0 0 0 7,420
WORLD GOLD TR SPDR GLD MINIS 98149E204 37,802 2,223,651 SH   SOLE 0 0 0 2,223,651
MODERNA INC COM 60770K107 276 2,104 SH   SOLE 0 0 0 2,104
ADT INC DEL COM 00090Q103 211 25,000 SH   SOLE 0 0 0 25,000
ISHARES TR JPMORGAN USD EMG 464288281 1,210 11,117 SH   SOLE 0 0 0 11,117
ISHARES TR US HLTHCARE ETF 464287762 1,263 5,005 SH   SOLE 0 0 0 5,005
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,211 263,404 SH   SOLE 0 0 0 263,404
INTEL CORP COM 458140100 259 4,045 SH   SOLE 0 0 0 4,045
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 515 2,889 SH   SOLE 0 0 0 2,889
WALMART INC COM 931142103 492 3,620 SH   SOLE 0 0 0 3,620
COMMUNITY BK SYS INC COM 203607106 574 7,488 SH   SOLE 0 0 0 7,488
ISHARES TR U.S. TECH ETF 464287721 41,809 476,733 SH   SOLE 0 0 0 476,733
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 3,234 34,896 SH   SOLE 0 0 0 34,896
ISHARES TR GL CLEAN ENE ETF 464288224 241 9,914 SH   SOLE 0 0 0 9,914
ISHARES INC ESG AWR MSCI EM 46434G863 325 7,495 SH   SOLE 0 0 0 7,495
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 304 9,462 SH   SOLE 0 0 0 9,462
DBX ETF TR XTRACKERS S&P 233051143 534 15,353 SH   SOLE 0 0 0 15,353
ISHARES TR CORE S&P SCP ETF 464287804 4,538 41,813 SH   SOLE 0 0 0 41,813
ISHARES TR US TREAS BD ETF 46429B267 4,577 174,770 SH   SOLE 0 0 0 174,770
JPMORGAN CHASE & CO COM 46625H100 479 3,147 SH   SOLE 0 0 0 3,147
FEDEX CORP COM 31428X106 276 973 SH   SOLE 0 0 0 973
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,734 84,130 SH   SOLE 0 0 0 84,130
COMCAST CORP NEW CL A 20030N101 215 3,973 SH   SOLE 0 0 0 3,973
SPDR SER TR S&P 600 SMCP VAL 78464A300 215 2,620 SH   SOLE 0 0 0 2,620
JANUS DETROIT STR TR HENDERSON MTG 47103U852 99,214 1,869,846 SH   SOLE 0 0 0 1,869,846
SPDR SER TR S&P REGL BKG 78464A698 1,714 25,835 SH   SOLE 0 0 0 25,835
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 66,894 679,473 SH   SOLE 0 0 0 679,473
ISHARES TR US HOME CONS ETF 464288752 26,115 384,803 SH   SOLE 0 0 0 384,803
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 518 5,352 SH   SOLE 0 0 0 5,352
CISCO SYS INC COM 17275R102 611 11,816 SH   SOLE 0 0 0 11,816
ISHARES TR US INDUSTRIALS 464287754 1,310 12,394 SH   SOLE 0 0 0 12,394
BRISTOL-MYERS SQUIBB CO COM 110122108 321 5,091 SH   SOLE 0 0 0 5,091
ISHARES TR RUSSELL 3000 ETF 464287689 303 1,276 SH   SOLE 0 0 0 1,276
ISHARES TR 1 3 YR TREAS BD 464287457 474 5,493 SH   SOLE 0 0 0 5,493
EXXON MOBIL CORP COM 30231G102 1,116 19,993 SH   SOLE 0 0 0 19,993
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,118 16,441 SH   SOLE 0 0 0 16,441
EXACT SCIENCES CORP COM 30063P105 334 2,532 SH   SOLE 0 0 0 2,532
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 276 4,542 SH   SOLE 0 0 0 4,542
ISHARES TR PFD AND INCM SEC 464288687 297 7,741 SH   SOLE 0 0 0 7,741
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 228 2,986 SH   SOLE 0 0 0 2,986
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 708 2,398 SH   SOLE 0 0 0 2,398
ISHARES TR BARCLAYS 7 10 YR 464287440 79,216 701,461 SH   SOLE 0 0 0 701,461
IDACORP INC COM 451107106 271 2,715 SH   SOLE 0 0 0 2,715
ISHARES INC CORE MSCI EMKT 46434G103 54,916 853,270 SH   SOLE 0 0 0 853,270
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,123 4,395 SH   SOLE 0 0 0 4,395
SPDR SER TR PORTFOLIO LN TSR 78464A664 525 13,475 SH   SOLE 0 0 0 13,475
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 222 978 SH   SOLE 0 0 0 978
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,615 19,108 SH   SOLE 0 0 0 19,108
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 1,666 18,132 SH   SOLE 0 0 0 18,132
VISA INC COM CL A 92826C839 566 2,671 SH   SOLE 0 0 0 2,671
GLOBAL X FDS US INFR DEV ETF 37954Y673 52,849 2,108,888 SH   SOLE 0 0 0 2,108,888
ETFS TR BBRG ALL COMD K1 003261104 2,355 101,146 SH   SOLE 0 0 0 101,146
ISHARES TR IBOXX INV CP ETF 464287242 3,452 26,542 SH   SOLE 0 0 0 26,542
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 281 4,766 SH   SOLE 0 0 0 4,766
UBS AG LONDON BRANCH ETRACS BBG CMD 90269A450 2,679 170,890 SH   SOLE 0 0 0 170,890
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 62,592 1,368,431 SH   SOLE 0 0 0 1,368,431
ISHARES TR 3 7 YR TREAS BD 464288661 863 6,646 SH   SOLE 0 0 0 6,646
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 468 3,184 SH   SOLE 0 0 0 3,184
MONDELEZ INTL INC CL A 609207105 907 15,494 SH   SOLE 0 0 0 15,494
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,106 215,462 SH   SOLE 0 0 0 215,462
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 334 6,678 SH   SOLE 0 0 0 6,678
ISHARES INC MSCI EURZONE ETF 464286608 41,212 887,619 SH   SOLE 0 0 0 887,619
ISHARES TR PHLX SEMICND ETF 464287523 42,254 99,659 SH   SOLE 0 0 0 99,659
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 488 9,149 SH   SOLE 0 0 0 9,149
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 4,414 SH   SOLE 0 0 0 4,414
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 70,232 2,062,603 SH   SOLE 0 0 0 2,062,603
DBX ETF TR XTRACK USD HIGH 233051432 1,497 29,938 SH   SOLE 0 0 0 29,938
SPDR SER TR SSGA GNDER ETF 78468R747 653 6,877 SH   SOLE 0 0 0 6,877
ISHARES TR CORE INTL AGGR 46435G672 1,455 26,525 SH   SOLE 0 0 0 26,525
LILLY ELI & CO COM 532457108 431 2,306 SH   SOLE 0 0 0 2,306
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 410 5,628 SH   SOLE 0 0 0 5,628
VANGUARD INDEX FDS SMALL CP ETF 922908751 259 1,208 SH   SOLE 0 0 0 1,208
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 24,234 105,941 SH   SOLE 0 0 0 105,941
ISHARES TR CORE S&P TTL STK 464287150 2,133 23,290 SH   SOLE 0 0 0 23,290
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 165,931 1,249,383 SH   SOLE 0 0 0 1,249,383
AUTOMATIC DATA PROCESSING IN COM 053015103 538 2,853 SH   SOLE 0 0 0 2,853
FACEBOOK INC CL A 30303M102 522 1,774 SH   SOLE 0 0 0 1,774
SPDR SER TR PORTFOLIO S&P500 78464A854 12,786 274,323 SH   SOLE 0 0 0 274,323
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 431 22,881 SH   SOLE 0 0 0 22,881
ACNB CORP COM 000868109 204 6,950 SH   SOLE 0 0 0 6,950
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,456 7,046 SH   SOLE 0 0 0 7,046
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 41,217 821,285 SH   SOLE 0 0 0 821,285
ISHARES TR IBOXX HI YD ETF 464288513 1,239 14,214 SH   SOLE 0 0 0 14,214
ALTRIA GROUP INC COM 02209S103 1,817 35,514 SH   SOLE 0 0 0 35,514
SMITH A O CORP COM 831865209 325 4,800 SH   SOLE 0 0 0 4,800
ISHARES TR USD INV GRDE ETF 464288620 91,003 1,541,372 SH   SOLE 0 0 0 1,541,372
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 9,363 395,732 SH   SOLE 0 0 0 395,732
CITIGROUP INC COM NEW 172967424 291 3,997 SH   SOLE 0 0 0 3,997
GOLDMINING INC COM 38149E101 17 10,241 SH   SOLE 0 0 0 10,241
PNC FINL SVCS GROUP INC COM 693475105 453 2,583 SH   SOLE 0 0 0 2,583
PROSHARES TR ONLINE RTL ETF 74347B169 523 6,673 SH   SOLE 0 0 0 6,673
HOME DEPOT INC COM 437076102 211 691 SH   SOLE 0 0 0 691
ISHARES TR CORE US AGGBD ET 464287226 10,077 88,523 SH   SOLE 0 0 0 88,523
ISHARES TR ESG AWR MSCI USA 46435G425 289 3,184 SH   SOLE 0 0 0 3,184
HIGHLAND FDS I HI LD IBOXX SRLN 430101774 1,671 103,762 SH   SOLE 0 0 0 103,762
SPDR SER TR PORTFOLIO S&P400 78464A847 3,353 73,268 SH   SOLE 0 0 0 73,268
INVESCO QQQ TR UNIT SER 1 46090E103 557 1,745 SH   SOLE 0 0 0 1,745
LOCKHEED MARTIN CORP COM 539830109 460 1,246 SH   SOLE 0 0 0 1,246
AMGEN INC COM 031162100 943 3,788 SH   SOLE 0 0 0 3,788
SOUTHERN CO COM 842587107 260 4,188 SH   SOLE 0 0 0 4,188
CSX CORP COM 126408103 562 5,831 SH   SOLE 0 0 0 5,831
INTERNATIONAL BUSINESS MACHS COM 459200101 980 7,352 SH   SOLE 0 0 0 7,352
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,105 8,192 SH   SOLE 0 0 0 8,192
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 40,636 1,700,943 SH   SOLE 0 0 0 1,700,943
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 13,297 437,258 SH   SOLE 0 0 0 437,258
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 280 3,394 SH   SOLE 0 0 0 3,394
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 706 11,765 SH   SOLE 0 0 0 11,765
ISHARES TR ESG AWARE MSCI 46435U663 380 9,868 SH   SOLE 0 0 0 9,868
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 758 15,819 SH   SOLE 0 0 0 15,819
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 70,190 2,813,411 SH   SOLE 0 0 0 2,813,411
VERIZON COMMUNICATIONS INC COM 92343V104 568 9,765 SH   SOLE 0 0 0 9,765
NVIDIA CORPORATION COM 67066G104 711 1,331 SH   SOLE 0 0 0 1,331
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,210 52,478 SH   SOLE 0 0 0 52,478
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,951 16,335 SH   SOLE 0 0 0 16,335
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 288 4,494 SH   SOLE 0 0 0 4,494
AMERICAN ELEC PWR CO INC COM 025537101 640 7,557 SH   SOLE 0 0 0 7,557
SPDR SER TR PORTFLI MORTGAGE 78464A383 1,690 65,166 SH   SOLE 0 0 0 65,166
TESLA INC COM 88160R101 495 741 SH   SOLE 0 0 0 741
ISHARES INC MSCI SWITZERLAND 464286749 231 5,220 SH   SOLE 0 0 0 5,220
MCCORMICK & CO INC COM VTG 579780107 759 8,512 SH   SOLE 0 0 0 8,512
ISHARES TR S&P 500 GRWT ETF 464287309 644 9,889 SH   SOLE 0 0 0 9,889
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,262 42,547 SH   SOLE 0 0 0 42,547
ISHARES TR MSCI EMG MKT ETF 464287234 491 9,209 SH   SOLE 0 0 0 9,209
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,055 26,512 SH   SOLE 0 0 0 26,512
STARBUCKS CORP COM 855244109 214 1,957 SH   SOLE 0 0 0 1,957
10X GENOMICS INC CL A COM 88025U109 937 5,179 SH   SOLE 0 0 0 5,179
DOMINION ENERGY INC COM 25746U109 476 6,261 SH   SOLE 0 0 0 6,261
MICROSOFT CORP COM 594918104 4,155 17,623 SH   SOLE 0 0 0 17,623
ISHARES TR CORE MSCI EAFE 46432F842 2,584 35,871 SH   SOLE 0 0 0 35,871
UGI CORP NEW COM 902681105 8,517 207,684 SH   SOLE 0 0 0 207,684
BLACKSTONE GROUP INC COM 09260D107 401 5,375 SH   SOLE 0 0 0 5,375
SPDR GOLD TR GOLD SHS 78463V107 210 1,314 SH   SOLE 0 0 0 1,314
ISHARES TR S&P 500 VAL ETF 464287408 1,790 12,672 SH   SOLE 0 0 0 12,672
ADOBE SYSTEMS INCORPORATED COM 00724F101 761 1,600 SH   SOLE 0 0 0 1,600
ISHARES TR RUS 1000 ETF 464287622 340 1,519 SH   SOLE 0 0 0 1,519
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,448 11,137 SH   SOLE 0 0 0 11,137
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,424 316,817 SH   SOLE 0 0 0 316,817
ISHARES TR CORE S&P MCP ETF 464287507 4,560 17,521 SH   SOLE 0 0 0 17,521
ISHARES TR RUS 1000 GRW ETF 464287614 403 1,658 SH   SOLE 0 0 0 1,658
ISHARES INC MSCI GERMANY ETF 464286806 43,025 1,286,632 SH   SOLE 0 0 0 1,286,632
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 25,415 217,709 SH   SOLE 0 0 0 217,709
MCDONALDS CORP COM 580135101 572 2,554 SH   SOLE 0 0 0 2,554
SPDR SER TR PORTFOLIO S&P600 78468R853 34,622 819,060 SH   SOLE 0 0 0 819,060
ISHARES TR 20 YR TR BD ETF 464287432 0 300 SH Call SOLE 0 0 0 300
SPDR SER TR BLOMBERG INTL TR 78464A516 1,484 50,923 SH   SOLE 0 0 0 50,923
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 208 9,401 SH   SOLE 0 0 0 9,401
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,931 44,105 SH   SOLE 0 0 0 44,105
ISHARES TR MBS ETF 464288588 5,736 52,904 SH   SOLE 0 0 0 52,904
MCCORMICK & CO INC COM NON VTG 579780206 1,074 12,046 SH   SOLE 0 0 0 12,046
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,214 54,858 SH   SOLE 0 0 0 54,858
ALPHABET INC CAP STK CL A 02079K305 3,987 1,933 SH   SOLE 0 0 0 1,933
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 1,683 33,338 SH   SOLE 0 0 0 33,338
EMERSON ELEC CO COM 291011104 213 2,366 SH   SOLE 0 0 0 2,366
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,605 31,284 SH   SOLE 0 0 0 31,284
ALPHABET INC CAP STK CL C 02079K107 4,348 2,102 SH   SOLE 0 0 0 2,102
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 38,127 751,189 SH   SOLE 0 0 0 751,189
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,274 32,124 SH   SOLE 0 0 0 32,124
ISHARES TR BROAD USD HIGH 46435U853 624 15,160 SH   SOLE 0 0 0 15,160
ISHARES TR 20 YR TR BD ETF 464287432 42,172 311,345 SH   SOLE 0 0 0 311,345
GLOBAL X FDS CONSCIOUS COS 37954Y731 596 20,462 SH   SOLE 0 0 0 20,462
ISHARES TR ISHS 1-5YR INVS 464288646 364 6,650 SH   SOLE 0 0 0 6,650
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,912 195,485 SH   SOLE 0 0 0 195,485
SHIFT TECHNOLOGIES INC CL A 82452T107 166 20,000 SH   SOLE 0 0 0 20,000
SPDR SER TR S&P BK ETF 78464A797 45,343 874,004 SH   SOLE 0 0 0 874,004
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,526 48,528 SH   SOLE 0 0 0 48,528
FORD MTR CO DEL COM 345370860 218 17,823 SH   SOLE 0 0 0 17,823
ALKALINE WTR CO INC COM NEW 01643A207 44 40,000 SH   SOLE 0 0 0 40,000
NUSHARES ETF TR NUVEEN ESG US 67092P870 266 10,321 SH   SOLE 0 0 0 10,321
BP PLC SPONSORED ADR 055622104 260 10,670 SH   SOLE 0 0 0 10,670
ISHARES INC MSCI JPN ETF NEW 46434G822 51,021 744,612 SH   SOLE 0 0 0 744,612
SPDR GOLD TR GOLD SHS 78463V107 2 200 SH Call SOLE 0 0 0 200
ISHARES TR CORE S&P500 ETF 464287200 26,968 67,790 SH   SOLE 0 0 0 67,790
MIRUM PHARMACEUTICALS INC COM 604749101 198 10,000 SH   SOLE 0 0 0 10,000
SPDR SER TR S&P DIVID ETF 78464A763 2,070 17,541 SH   SOLE 0 0 0 17,541
SPDR SER TR PRTFLO S&P500 VL 78464A508 241 6,366 SH   SOLE 0 0 0 6,366
ISHARES INC MSCI FRONTIER 464286145 2,841 96,339 SH   SOLE 0 0 0 96,339
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,136 41,311 SH   SOLE 0 0 0 41,311
ISHARES INC MSCI PAC JP ETF 464286665 31,159 620,330 SH   SOLE 0 0 0 620,330
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,267 5,903 SH   SOLE 0 0 0 5,903
ISHARES TR CRE U S REIT ETF 464288521 1,085 20,713 SH   SOLE 0 0 0 20,713
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,982 93,812 SH   SOLE 0 0 0 93,812
JOHNSON & JOHNSON COM 478160104 1,397 8,498 SH   SOLE 0 0 0 8,498
INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 31,235 679,465 SH   SOLE 0 0 0 679,465
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,087 6,565 SH   SOLE 0 0 0 6,565
M & T BK CORP COM 55261F104 227 1,495 SH   SOLE 0 0 0 1,495
KRAFT HEINZ CO COM 500754106 233 5,832 SH   SOLE 0 0 0 5,832
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 99,146 589,909 SH   SOLE 0 0 0 589,909
DBX ETF TR XTRACK MSCI JAPN 233051507 201 4,021 SH   SOLE 0 0 0 4,021
ISHARES TR INTL TREA BD ETF 464288117 1,446 27,852 SH   SOLE 0 0 0 27,852