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
APPLE INC COM 037833100 428 1,458 SH   SOLE   0 0 1,458
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 388 16,968 SH   SOLE   0 0 16,968
BEYOND MEAT INC COM 08862E109 378 5,001 SH   SOLE   0 0 5,001
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 294 20,739 SH   SOLE   0 0 20,739
CRONOS GROUP INC COM 22717L101 268 35,005 SH   SOLE   0 0 35,005
CROWDSTRIKE HLDGS INC CL A 22788C105 349 7,000 SH   SOLE   0 0 7,000
DIREXION SHS ETF TR DLY S&P500 BR 3X 25460E885 663 50,013 SH   SOLE   0 0 50,013
INNOVATIVE INDL PPTYS INC COM 45781V101 228 3,000 SH   SOLE   0 0 3,000
INTELSAT S A COM L5140P101 246 35,000 SH   SOLE   0 0 35,000
INTRA CELLULAR THERAPIES INC COM 46116X101 412 12,000 SH   SOLE   0 0 12,000
ISHARES INC MSCI GBL GOLD MN 46434G855 316 13,137 SH   SOLE   0 0 13,137
ISHARES TR CORE S&P SCP ETF 464287804 215 2,566 SH   SOLE   0 0 2,566
ISHARES TR CORE S&P500 ETF 464287200 1,288 3,986 SH   SOLE   0 0 3,986
ISHARES TR CORE US AGGBD ET 464287226 25,316 225,294 SH   SOLE   0 0 225,294
ISHARES TR GLOBAL REIT ETF 46434V647 365 13,208 SH   SOLE   0 0 13,208
ISHARES TR IBOXX INV CP ETF 464287242 14,381 112,389 SH   SOLE   0 0 112,389
ISHARES TR MORTGE REL ETF 46435G342 2,785 62,532 SH   SOLE   0 0 62,532
ISHARES TR RUS 1000 GRW ETF 464287614 38,060 216,346 SH   SOLE   0 0 216,346
KARUNA THERAPEUTICS INC COM 48576A100 866 11,500 SH   SOLE   0 0 11,500
NUTANIX INC CL A 67059N108 938 30,000 SH   SOLE   0 0 30,000
NUVEEN AMT FREE MUN CR INC F COM 67071L106 386 23,165 SH   SOLE   0 0 23,165
NUVEEN AMT FREE QLTY MUN INC COM 670657105 303 21,041 SH   SOLE   0 0 21,041
NUVEEN CR STRATEGIES INCM FD COM SHS 67073D102 94 12,236 SH   SOLE   0 0 12,236
NUVEEN QUALITY MUNCP INCOME COM 67066V101 395 27,046 SH   SOLE   0 0 27,046
PIMCO ETF TR INV GRD CRP BD 72201R817 923 8,397 SH   SOLE   0 0 8,397
ROKU INC COM CL A 77543R102 268 2,000 SH   SOLE   0 0 2,000
SAGE THERAPEUTICS INC COM 78667J108 17 12,500 SH Call SOLE   0 0 12,500
SAREPTA THERAPEUTICS INC COM 803607100 387 3,000 SH   SOLE   0 0 3,000
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 816 29,820 SH   SOLE   0 0 29,820
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 831 24,721 SH   SOLE   0 0 24,721
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,836 34,361 SH   SOLE   0 0 34,361
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 35,106 456,631 SH   SOLE   0 0 456,631
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,832 36,868 SH   SOLE   0 0 36,868
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,175 19,526 SH   SOLE   0 0 19,526
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,616 21,360 SH   SOLE   0 0 21,360
SLACK TECHNOLOGIES INC COM CL A 83088V102 674 30,000 SH   SOLE   0 0 30,000
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 635 12,334 SH   SOLE   0 0 12,334
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,452 46,331 SH   SOLE   0 0 46,331
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 406 10,790 SH   SOLE   0 0 10,790
SPDR S&P 500 ETF TR TR UNIT 78462F103 39,372 122,327 SH   SOLE   0 0 122,327
SPDR SERIES TRUST PORTFOLIO CRPORT 78464A144 459 13,573 SH   SOLE   0 0 13,573
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 2,727 70,156 SH   SOLE   0 0 70,156
SPROTT ETF TR GOLD MINERS ETF 85210B102 690 27,443 SH   SOLE   0 0 27,443
SUNDIAL GROWERS INC COM 86730L109 196 65,000 SH   SOLE   0 0 65,000
TILRAY INC COM CL 2 88688T100 171 10,001 SH   SOLE   0 0 10,001
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,748 20,843 SH   SOLE   0 0 20,843
VANGUARD INDEX FDS MID CAP ETF 922908629 883 4,958 SH   SOLE   0 0 4,958
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,223 14,276 SH   SOLE   0 0 14,276
VANGUARD INDEX FDS SMALL CP ETF 922908751 456 2,752 SH   SOLE   0 0 2,752
XILINX INC COM 983919101 293 3,000 SH   SOLE   0 0 3,000
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 408 6,000 SH   SOLE   0 0 6,000