Portfolio Holdings as of 2/29/2020
| Ticker | Cusip | Description | Shares | Market Value | % of Portfolio |
| USMV | 46429B697 | iShares Edge MSCI Mi n Vol USA ETF | 48,784.000 | $2,988,995.68 | 11.21% |
| XLU | 81369Y886 | Utilities Select Sec tor SPDR Fund | 22,267.000 | $1,384,562.06 | 5.20% |
| QQQ | 46090E103 | Invesco QQQ Trust Se ries 1 | 6,517.000 | $1,341,198.60 | 5.03% |
| XLK | 81369Y803 | Technology Select Se ctor SPDR Fund | 15,135.000 | $1,337,479.95 | 5.02% |
| IYR | 464287739 | iShares U.S. Real Es tate ETF | 15,279.000 | $1,335,384.60 | 5.01% |
| VGT | 92204A702 | Vanguard Information Technology ETF | 5,643.000 | $1,329,772.95 | 4.99% |
| VCR | 92204A108 | Vanguard Consumer Di scretionary ETF | 7,450.000 | $1,320,363.50 | 4.95% |
| XLP | 81369Y308 | Consumer Staples Sel ect Sector SPDR Fund | 22,743.000 | $1,318,866.57 | 4.95% |
| VOX | 92204A884 | Vanguard Communication Servic | 14,717.000 | $1,312,609.23 | 4.93% |
| XLY | 81369Y407 | Consumer Discretiona ry Select Sector SPD | 11,271.000 | $1,305,519.93 | 4.90% |
| XLC | 81369Y852 | Communication Servic es Select Sector SPD | 25,660.000 | $1,302,501.60 | 4.89% |
| VHT | 92204A504 | Vanguard Health Care ETF | 7,402.000 | $1,297,496.58 | 4.87% |
| SPY | 78462F103 | SPDR S&P 500 ETF Tru st | 4,367.000 | $1,293,767.42 | 4.85% |
| XLV | 81369Y209 | Health Care Select S ector SPDR Fund | 13,944.000 | $1,291,353.84 | 4.85% |
| VIS | 92204A603 | Vanguard Industrials ETF | 9,084.000 | $1,260,950.04 | 4.73% |
| XLI | 81369Y704 | Industrial Select Se ctor SPDR Fund | 17,131.000 | $1,251,933.48 | 4.70% |
| XLB | 81369Y100 | Materials Select Sec tor SPDR Fund | 23,715.000 | $1,250,254.80 | 4.69% |
| VFH | 92204A405 | Vanguard Financials ETF | 18,693.000 | $1,235,794.23 | 4.64% |
| XLF | 81369Y605 | Financial Select Sec tor SPDR Fund | 46,315.000 | $1,231,515.85 | 4.62% |
| FIGXX | 316175108 | Fidelity Investments Money Market Funds | 261,475.020 | $261,475.02 | 0.98% |
| Totals | 597,592.020 | $26,651,795.93 | |||