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
3M CO COM 88579Y101 2,090 18,920 SH   SOLE   18,920 0 0
ABBVIE INC COM 00287Y109 1,716 12,790 SH   SOLE   12,790 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5,043 19,600 SH   SOLE   19,600 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 5,182 18,830 SH   SOLE   18,830 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 265 3,310 SH   SOLE   3,310 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 827 10,350 SH   SOLE   10,350 0 0
ALLSTATE CORP COM 020002101 1,605 12,890 SH   SOLE   12,890 0 0
ALPHABET INC CAP STK CL A 02079K305 8,131 85,010 SH   SOLE   85,010 0 0
AMAZON COM INC COM 023135106 9,546 84,480 SH   SOLE   84,480 0 0
AMCOR PLC ORD G0250X107 2,784 259,500 SH   SOLE   259,500 0 0
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 215 13,090 SH   SOLE   13,090 0 0
AMERICAN EXPRESS CO COM 025816109 395 2,930 SH   SOLE   2,930 0 0
AMERICAN TOWER CORP NEW COM 03027X100 405 1,890 SH   SOLE   1,890 0 0
AMERISOURCEBERGEN CORP COM 03073E105 236 1,750 SH   SOLE   1,750 0 0
AMGEN INC COM 031162100 1,194 5,300 SH   SOLE   5,300 0 0
AON PLC SHS CL A G0403H108 1,628 6,080 SH   SOLE   6,080 0 0
APPLE INC COM 037833100 18,843 136,350 SH   SOLE   136,350 0 0
APPLIED MATLS INC COM 038222105 1,088 13,290 SH   SOLE   13,290 0 0
APTIV PLC SHS G6095L109 497 6,360 SH   SOLE   6,360 0 0
ARISTA NETWORKS INC COM 040413106 370 3,280 SH   SOLE   3,280 0 0
AT&T INC COM 00206R102 3,182 207,481 SH   SOLE   207,481 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 524 2,320 SH   SOLE   2,320 0 0
AVERY DENNISON CORP COM 053611109 3,014 18,530 SH   SOLE   18,530 0 0
BANCO BRADESCO S A SP ADR PFD NEW 059460303 179 48,850 SH   SOLE   48,850 0 0
BANK NEW YORK MELLON CORP COM 064058100 380 9,880 SH   SOLE   9,880 0 0
BECTON DICKINSON & CO COM 075887109 405 1,820 SH   SOLE   1,820 0 0
BK OF AMERICA CORP COM 060505104 3,364 111,420 SH   SOLE   111,420 0 0
BLACK KNIGHT INC COM 09215C105 702 10,860 SH   SOLE   10,860 0 0
BLACKROCK INC COM 09247X101 709 1,290 SH   SOLE   1,290 0 0
BLOCK INC CL A 852234103 878 15,970 SH   SOLE   15,970 0 0
BOEING CO COM 097023105 1,898 15,680 SH   SOLE   15,680 0 0
BOOKING HOLDINGS INC COM 09857L108 4,569 2,781 SH   SOLE   2,781 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 4,728 66,520 SH   SOLE   66,520 0 0
BROADCOM INC COM 11135F101 550 1,240 SH   SOLE   1,240 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 992 6,880 SH   SOLE   6,880 0 0
BTRS HOLDINGS INC COM CL 1 11778X104 1,029 111,200 SH   SOLE   111,200 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 1,045 6,400 SH   SOLE   6,400 0 0
CARDINAL HEALTH INC COM 14149Y108 6,410 96,140 SH   SOLE   96,140 0 0
CATERPILLAR INC COM 149123101 344 2,100 SH   SOLE   2,100 0 0
CHEVRON CORP NEW COM 166764100 2,629 18,300 SH   SOLE   18,300 0 0
CINTAS CORP COM 172908105 267 690 SH   SOLE   690 0 0
CISCO SYS INC COM 17275R102 2,768 69,220 SH   SOLE   69,220 0 0
CITIGROUP INC COM NEW 172967424 1,673 40,160 SH   SOLE   40,160 0 0
CME GROUP INC COM 12572Q105 265 1,500 SH   SOLE   1,500 0 0
COCA COLA CO COM 191216100 2,380 42,500 SH   SOLE   42,500 0 0
COLGATE PALMOLIVE CO COM 194162103 1,784 25,400 SH   SOLE   25,400 0 0
COMCAST CORP NEW CL A 20030N101 361 12,320 SH   SOLE   12,320 0 0
CONSOLIDATED EDISON INC COM 209115104 240 2,800 SH   SOLE   2,800 0 0
CONSTELLATION ENERGY CORP COM 21037T109 260 3,130 SH   SOLE   3,130 0 0
COSTCO WHSL CORP NEW COM 22160K105 675 1,430 SH   SOLE   1,430 0 0
CROWN CASTLE INC COM 22822V101 848 5,870 SH   SOLE   5,870 0 0
CVS HEALTH CORP COM 126650100 3,490 36,600 SH   SOLE   36,600 0 0
D R HORTON INC COM 23331A109 298 4,430 SH   SOLE   4,430 0 0
DEERE & CO COM 244199105 464 1,390 SH   SOLE   1,390 0 0
DIGITAL RLTY TR INC COM 253868103 910 9,180 SH   SOLE   9,180 0 0
DISNEY WALT CO COM 254687106 4,839 51,300 SH   SOLE   51,300 0 0
DOMINION ENERGY INC COM 25746U109 2,850 41,250 SH   SOLE   41,250 0 0
EDISON INTL COM 281020107 238 4,210 SH   SOLE   4,210 0 0
ELEVANCE HEALTH INC COM 036752103 304 670 SH   SOLE   670 0 0
EOG RES INC COM 26875P101 791 7,080 SH   SOLE   7,080 0 0
EPAM SYS INC COM 29414B104 796 2,200 SH   SOLE   2,200 0 0
EQUINIX INC COM 29444U700 830 1,460 SH   SOLE   1,460 0 0
EVEREST RE GROUP LTD COM G3223R108 2,474 9,430 SH   SOLE   9,430 0 0
EXELON CORP COM 30161N101 291 7,780 SH   SOLE   7,780 0 0
FAIR ISAAC CORP COM 303250104 758 1,840 SH   SOLE   1,840 0 0
FISERV INC COM 337738108 654 7,000 SH   SOLE   7,000 0 0
GENERAL DYNAMICS CORP COM 369550108 2,079 9,800 SH   SOLE   9,800 0 0
GENERAL MLS INC COM 370334104 214 2,800 SH   SOLE   2,800 0 0
GILEAD SCIENCES INC COM 375558103 4,429 71,810 SH   SOLE   71,810 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 460 1,570 SH   SOLE   1,570 0 0
HALLIBURTON CO COM 406216101 222 9,050 SH   SOLE   9,050 0 0
HDFC BANK LTD SPONSORED ADS 40415F101 460 7,890 SH   SOLE   7,890 0 0
HOME DEPOT INC COM 437076102 2,730 9,897 SH   SOLE   9,897 0 0
HONEYWELL INTL INC COM 438516106 581 3,480 SH   SOLE   3,480 0 0
ICICI BANK LIMITED ADR 45104G104 1,103 52,640 SH   SOLE   52,640 0 0
INFOSYS LTD SPONSORED ADR 456788108 249 14,680 SH   SOLE   14,680 0 0
INTEL CORP COM 458140100 3,190 123,790 SH   SOLE   123,790 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,172 12,980 SH   SOLE   12,980 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,394 53,820 SH   SOLE   53,820 0 0
INTUIT COM 461202103 2,072 5,350 SH   SOLE   5,350 0 0
ISHARES INC CORE MSCI EMKT 46434G103 21,306 495,741 SH   SOLE   495,741 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,692 27,943 SH   SOLE   27,943 0 0
ISHARES TR SHORT TREAS BD 464288679 593 5,395 SH   SOLE   5,395 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,309 16,496 SH   SOLE   16,496 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 22,938 238,967 SH   SOLE   238,967 0 0
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 229 44,350 SH   SOLE   44,350 0 0
JOHNSON & JOHNSON COM 478160104 9,302 56,943 SH   SOLE   56,943 0 0
JPMORGAN CHASE & CO COM 46625H100 5,654 54,110 SH   SOLE   54,110 0 0
KE HLDGS INC SPONSORED ADS 482497104 451 25,760 SH   SOLE   25,760 0 0
KIMBERLY-CLARK CORP COM 494368103 644 5,730 SH   SOLE   5,730 0 0
LAUDER ESTEE COS INC CL A 518439104 1,118 5,180 SH   SOLE   5,180 0 0
LOCKHEED MARTIN CORP COM 539830109 4,759 12,320 SH   SOLE   12,320 0 0
LOWES COS INC COM 548661107 311 1,660 SH   SOLE   1,660 0 0
LUFAX HOLDING LTD ADS REP SHS CL A 54975P102 127 50,040 SH   SOLE   50,040 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 2,537 33,710 SH   SOLE   33,710 0 0
MARSH & MCLENNAN COS INC COM 571748102 2,929 19,620 SH   SOLE   19,620 0 0
MASTERCARD INCORPORATED CL A 57636Q104 810 2,850 SH   SOLE   2,850 0 0
MCDONALDS CORP COM 580135101 1,195 5,180 SH   SOLE   5,180 0 0
MCKESSON CORP COM 58155Q103 346 1,020 SH   SOLE   1,020 0 0
MEDTRONIC PLC SHS G5960L103 3,329 41,230 SH   SOLE   41,230 0 0
MERCK & CO INC COM 58933Y105 8,638 100,310 SH   SOLE   100,310 0 0
META PLATFORMS INC CL A 30303M102 6,219 45,840 SH   SOLE   45,840 0 0
METLIFE INC COM 59156R108 1,376 22,640 SH   SOLE   22,640 0 0
MICROSOFT CORP COM 594918104 15,886 68,210 SH   SOLE   68,210 0 0
MORGAN STANLEY COM NEW 617446448 500 6,330 SH   SOLE   6,330 0 0
MSCI INC COM 55354G100 662 1,570 SH   SOLE   1,570 0 0
NCINO INC COM 63947X101 620 18,190 SH   SOLE   18,190 0 0
NIKE INC CL B 654106103 2,409 28,990 SH   SOLE   28,990 0 0
NVIDIA CORPORATION COM 67066G104 1,064 8,770 SH   SOLE   8,770 0 0
ORACLE CORP COM 68389X105 290 4,750 SH   SOLE   4,750 0 0
PAYA HOLDINGS INC COM CL A 70434P103 521 85,320 SH   SOLE   85,320 0 0
PAYMENTUS HOLDINGS INC COM CL A 70439P108 436 44,870 SH   SOLE   44,870 0 0
PAYPAL HLDGS INC COM 70450Y103 671 7,800 SH   SOLE   7,800 0 0
PEPSICO INC COM 713448108 254 1,560 SH   SOLE   1,560 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 246 20,000 SH   SOLE   20,000 0 0
PFIZER INC COM 717081103 658 15,040 SH   SOLE   15,040 0 0
PHILIP MORRIS INTL INC COM 718172109 390 4,700 SH   SOLE   4,700 0 0
PHILLIPS 66 COM 718546104 4,559 56,485 SH   SOLE   56,485 0 0
PPG INDS INC COM 693506107 1,228 11,100 SH   SOLE   11,100 0 0
PPL CORP COM 69351T106 3,523 138,990 SH   SOLE   138,990 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 480 6,660 SH   SOLE   6,660 0 0
PROCTER AND GAMBLE CO COM 742718109 558 4,420 SH   SOLE   4,420 0 0
PROGRESSIVE CORP COM 743315103 679 5,850 SH   SOLE   5,850 0 0
PROLOGIS INC. COM 74340W103 506 4,990 SH   SOLE   4,990 0 0
PRUDENTIAL FINL INC COM 744320102 241 2,810 SH   SOLE   2,810 0 0
PUBLIC STORAGE COM 74460D109 866 2,960 SH   SOLE   2,960 0 0
Q2 HLDGS INC COM 74736L109 521 16,210 SH   SOLE   16,210 0 0
QUALCOMM INC COM 747525103 1,074 9,510 SH   SOLE   9,510 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 635 7,760 SH   SOLE   7,760 0 0
ROCKWELL AUTOMATION INC COM 773903109 2,305 10,720 SH   SOLE   10,720 0 0
ROPER TECHNOLOGIES INC COM 776696106 244 680 SH   SOLE   680 0 0
ROSS STORES INC COM 778296103 2,190 25,990 SH   SOLE   25,990 0 0
S&P GLOBAL INC COM 78409V104 3,368 11,033 SH   SOLE   11,033 0 0
SALESFORCE INC COM 79466L302 2,177 15,140 SH   SOLE   15,140 0 0
SCHLUMBERGER LTD COM STK 806857108 296 8,260 SH   SOLE   8,260 0 0
SEMPRA COM 816851109 329 2,200 SH   SOLE   2,200 0 0
SHERWIN WILLIAMS CO COM 824348106 1,812 8,850 SH   SOLE   8,850 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 607 1,700 SH   SOLE   1,700 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 1,345 15,313 SH   SOLE   15,313 0 0
STANLEY BLACK & DECKER INC COM 854502101 720 9,580 SH   SOLE   9,580 0 0
STARBUCKS CORP COM 855244109 492 5,840 SH   SOLE   5,840 0 0
STATE STR CORP COM 857477103 1,258 20,690 SH   SOLE   20,690 0 0
STRYKER CORPORATION COM 863667101 656 3,240 SH   SOLE   3,240 0 0
SVB FINANCIAL GROUP COM 78486Q101 308 920 SH   SOLE   920 0 0
SYSCO CORP COM 871829107 4,152 58,730 SH   SOLE   58,730 0 0
TARGET CORP COM 87612E106 365 2,460 SH   SOLE   2,460 0 0
TE CONNECTIVITY LTD SHS H84989104 232 2,110 SH   SOLE   2,110 0 0
TEXAS INSTRS INC COM 882508104 1,013 6,550 SH   SOLE   6,550 0 0
TJX COS INC NEW COM 872540109 3,757 60,480 SH   SOLE   60,480 0 0
TRADEWEB MKTS INC CL A 892672106 949 16,830 SH   SOLE   16,830 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 246 1,700 SH   SOLE   1,700 0 0
TRANSUNION COM 89400J107 829 13,940 SH   SOLE   13,940 0 0
TRIP COM GROUP LTD ADS 89677Q107 431 15,810 SH   SOLE   15,810 0 0
TRUIST FINL CORP COM 89832Q109 1,746 40,110 SH   SOLE   40,110 0 0
ULTA BEAUTY INC COM 90384S303 1,077 2,685 SH   SOLE   2,685 0 0
UNION PAC CORP COM 907818108 294 1,510 SH   SOLE   1,510 0 0
UNITED PARCEL SERVICE INC CL B 911312106 284 1,760 SH   SOLE   1,760 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,050 2,080 SH   SOLE   2,080 0 0
US BANCORP DEL COM NEW 902973304 2,631 65,270 SH   SOLE   65,270 0 0
VALE S A SPONSORED ADS 91912E105 490 36,790 SH   SOLE   36,790 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,741 204,089 SH   SOLE   204,089 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,880 51,417 SH   SOLE   51,417 0 0
VERISK ANALYTICS INC COM 92345Y106 1,038 6,090 SH   SOLE   6,090 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,948 103,990 SH   SOLE   103,990 0 0
VIATRIS INC COM 92556V106 116 13,650 SH   SOLE   13,650 0 0
VISA INC COM CL A 92826C839 7,822 44,036 SH   SOLE   44,036 0 0
VMWARE INC CL A COM 928563402 6,801 63,890 SH   SOLE   63,890 0 0
VULCAN MATLS CO COM 929160109 246 1,560 SH   SOLE   1,560 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 4,044 128,800 SH   SOLE   128,800 0 0
WALMART INC COM 931142103 2,324 17,920 SH   SOLE   17,920 0 0
WASTE MGMT INC DEL COM 94106L109 366 2,290 SH   SOLE   2,290 0 0
WELLS FARGO CO NEW COM 949746101 4,080 101,460 SH   SOLE   101,460 0 0
WELLTOWER INC COM 95040Q104 1,075 16,720 SH   SOLE   16,720 0 0
WEX INC COM 96208T104 462 3,640 SH   SOLE   3,640 0 0
XYLEM INC COM 98419M100 310 3,550 SH   SOLE   3,550 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 248 2,380 SH   SOLE   2,380 0 0
ZOETIS INC CL A 98978V103 519 3,500 SH   SOLE   3,500 0 0