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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM COM 037833100   14,535 111,871 SH   SOLE   0 0 111,871
ISHARES TRUST MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL FACTOR ETF 46429B697   12,610 174,905 SH   SOLE   0 0 174,905
ISHARES INC MSCI EMERGING MARKETS MIN V MSCI EMERGING MARKETS MIN V 464286533   11,478 216,378 SH   SOLE   0 0 216,378
ISHARES TRUST MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VOL FACTOR ETF 46429B689   10,729 168,740 SH   SOLE   0 0 168,740
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647   9,337 411,145 SH   SOLE   0 0 411,145
ALPHABET INC COM CL C COM CL C 02079K107   8,935 100,702 SH   SOLE   0 0 100,702
UNITEDHEALTH GROUP INC COM COM 91324P102   8,115 15,308 SH   SOLE   0 0 15,308
MICROSOFT CORP COM COM 594918104   6,358 26,514 SH   SOLE   0 0 26,514
NOVO NORDISK A/S ADR SPONSORED ADR SPONSORED 670100205   5,760 42,564 SH   SOLE   0 0 42,564
ALPHABET INC COM CL A COM CL A 02079K305   5,450 61,780 SH   SOLE   0 0 61,780
HOME DEPOT INC COM COM 437076102   5,310 16,812 SH   SOLE   0 0 16,812
VISA INC COM CL A COM CL A 92826C839   4,927 23,718 SH   SOLE   0 0 23,718
CIGNA CORPORATION COM COM 125523100   4,155 12,542 SH   SOLE   0 0 12,542
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357   3,687 26,106 SH   SOLE   0 0 26,106
ESTEE LAUDER COMPANIES INC COM CL A COM CL A 518439104   3,626 14,618 SH   SOLE   0 0 14,618
ELEVANCE HEALTH INC COM COM 036752103   3,092 6,029 SH   SOLE   0 0 6,029
NIKE INC COM CL B COM CL B 654106103   3,023 25,836 SH   SOLE   0 0 25,836
MCDONALD'S CORPORATION COM COM 580135101   2,711 10,291 SH   SOLE   0 0 10,291
TAIWAN SEMICONDUCTOR MANUFACTU ADR SPONSORED ADR SPONSORED 874039100   2,626 35,260 SH   SOLE   0 0 35,260
CGI INC COM CL A COM CL A 12532H104   2,507 29,116 SH   SOLE   0 0 29,116
ARCHER-DANIELS-MIDLAND CO COM COM 039483102   2,445 26,336 SH   SOLE   0 0 26,336
AMGEN INC COM COM 031162100   2,409 9,173 SH   SOLE   0 0 9,173
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702   2,203 7,133 SH   SOLE   0 0 7,133
CANADIAN NATIONAL RAILWAYS CO COM COM 136375102   2,179 18,334 SH   SOLE   0 0 18,334
ACCENTURE PLC COM COM G1151C101   2,158 8,088 SH   SOLE   0 0 8,088
LVMH MOET HENNESSY VUITTON SE ADR UNSPONSORED ADR UNSPONSORED 502441306   2,144 14,800 SH   SOLE   0 0 14,800
WALMART INC COM COM 931142103   2,070 14,604 SH   SOLE   0 0 14,604
RELX PLC ADR SPONSORED ADR SPONSORED 759530108   2,053 74,076 SH   SOLE   0 0 74,076
VIPSHOP HLDGS LTD ADR ADR 92763W103   1,958 143,588 SH   SOLE   0 0 143,588
MCKESSON CORPORATION COM COM 58155Q103   1,868 4,982 SH   SOLE   0 0 4,982
COMCAST CORP COM CL A COM CL A 20030N101   1,867 53,405 SH   SOLE   0 0 53,405
TJX COS INC COM COM 872540109   1,859 23,358 SH   SOLE   0 0 23,358
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104   1,794 5,162 SH   SOLE   0 0 5,162
SOUTHERN COPPER CORPORATION COM COM 84265V105   1,681 27,846 SH   SOLE   0 0 27,846
NORTHROP GRUMMAN CORP COM COM 666807102   1,676 3,073 SH   SOLE   0 0 3,073
WILLIS TOWERS WATSON PLC COM COM G96629103   1,650 6,748 SH   SOLE   0 0 6,748
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553   1,647 19,975 SH   SOLE   0 0 19,975
UNILEVER PLC ADR SPONSORED ADR SPONSORED 904767704   1,626 32,305 SH   SOLE   0 0 32,305
SHELL PLC ADR SPONSORED ADR SPONSORED 780259305   1,510 26,519 SH   SOLE   0 0 26,519
CISCO SYSTEMS INC COM COM 17275R102   1,509 31,695 SH   SOLE   0 0 31,695
NOVARTIS AG ADR SPONSORED ADR SPONSORED 66987V109   1,489 16,415 SH   SOLE   0 0 16,415
RAYTHEON TECH CORP COM COM 75513E101   1,473 14,597 SH   SOLE   0 0 14,597
NIPPON TEL & TEL CORP ADR SPONSORED ADR SPONSORED 654624105   1,444 51,120 SH   SOLE   0 0 51,120
PAYPAL HOLDINGS INC COM COM 70450Y103   1,347 18,920 SH   SOLE   0 0 18,920
LOCKHEED MARTIN CORP COM COM 539830109   1,341 2,757 SH   SOLE   0 0 2,757
PNC FINANCIAL SERVICES GROUP COM COM 693475105   1,303 8,255 SH   SOLE   0 0 8,255
NICE LTD ADR SPONSORED ADR SPONSORED 653656108   1,278 6,650 SH   SOLE   0 0 6,650
CME GROUP INC COM COM 12572Q105   1,277 7,595 SH   SOLE   0 0 7,595
RITCHIE BROS AUCTIONEERS COM COM 767744105   1,271 21,987 SH   SOLE   0 0 21,987
TOYOTA MOTOR CORP ADR UNSPONSORED ADR UNSPONSORED 892331307   1,269 9,294 SH   SOLE   0 0 9,294
MOTOROLA SOLUTIONS INC COM COM 620076307   1,254 4,869 SH   SOLE   0 0 4,869
PACCAR INC COM COM 693718108   1,249 12,622 SH   SOLE   0 0 12,622
AUTOMATIC DATA PROCESSING INC COM COM 053015103   1,248 5,229 SH   SOLE   0 0 5,229
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104   1,239 12,085 SH   SOLE   0 0 12,085
CHUBB LIMITED COM COM H1467J104   1,222 5,540 SH   SOLE   0 0 5,540
SILICON MOTION TECHNOLOGY CORP ADR ADR 82706C108   1,192 18,342 SH   SOLE   0 0 18,342
ASTRAZENECA ADR SPONSORED ADR SPONSORED 046353108   1,147 16,930 SH   SOLE   0 0 16,930
LYONDELLBASELL INDUSTRIES N V COM COM N53745100   1,133 13,654 SH   SOLE   0 0 13,654
FERRARI N V COM COM N3167Y103   1,101 5,144 SH   SOLE   0 0 5,144
FEDEX CORP COM COM 31428X106   1,081 6,246 SH   SOLE   0 0 6,246
PROCTER & GAMBLE CO COM COM 742718109   1,062 7,010 SH   SOLE   0 0 7,010
WALT DISNEY COMPANY (THE) COM COM 254687106   1,043 12,006 SH   SOLE   0 0 12,006
ASML HOLDING NV ADR SPONSORED ADR SPONSORED N07059210   1,039 1,903 SH   SOLE   0 0 1,903
CVS HEALTH CORPORATION COM COM 126650100   1,030 11,055 SH   SOLE   0 0 11,055
AFLAC INC COM COM 001055102   1,000 13,911 SH   SOLE   0 0 13,911
SEMPRA COM COM 816851109   996 6,445 SH   SOLE   0 0 6,445
ISHARES INC MSCI GBL MIN VOL ETF MSCI GBL MIN VOL ETF 464286525   985 10,376 SH   SOLE   0 0 10,376
PEPSICO INC COM COM 713448108   973 5,391 SH   SOLE   0 0 5,391
SOCIEDAD QUIMICA Y MINERA DE C ADR SPONSORED ADR SPONSORED 833635105   969 12,148 SH   SOLE   0 0 12,148
MONDELEZ INTL INC COM CL A COM CL A 609207105   964 14,466 SH   SOLE   0 0 14,466
FISERV INC COM COM 337738108   955 9,450 SH   SOLE   0 0 9,450
SPDR INDEX SHARES FUNDS DJ GLB RL ES ETF DJ GLB RL ES ETF 78463X749   950 23,237 SH   SOLE   0 0 23,237
AMAZON COM INC COM COM 023135106   947 11,280 SH   SOLE   0 0 11,280
MARSH & MCLENNAN COMPANIES INC COM COM 571748102   945 5,711 SH   SOLE   0 0 5,711
ILLINOIS TOOL WORKS INC COM COM 452308109   940 4,267 SH   SOLE   0 0 4,267
BERKSHIRE HATHAWAY INC COM CL A COM CL A 084670108   937 2 SH   SOLE   0 0 2
THOMSON-REUTERS CORP COM COM 884903709   848 7,441 SH   SOLE   0 0 7,441
COCA-COLA CO COM COM 191216100   847 13,322 SH   SOLE   0 0 13,322
IMPERIAL OIL COM COM 453038408   841 17,266 SH   SOLE   0 0 17,266
COSTCO WHOLESALE CORP COM COM 22160K105   836 1,833 SH   SOLE   0 0 1,833
UNION PACIFIC CORP COM COM 907818108   829 4,006 SH   SOLE   0 0 4,006
NATIONAL GRID ADR SPONSORED ADR SPONSORED 636274409   828 13,732 SH   SOLE   0 0 13,732
JOHNSON CONTROLS INTL PLC COM COM G51502105   806 12,603 SH   SOLE   0 0 12,603
TARGET CORP COM COM 87612E106   798 5,357 SH   SOLE   0 0 5,357
EBAY INC COM COM 278642103   797 19,220 SH   SOLE   0 0 19,220
MICRON TECHNOLOGY INC COM COM 595112103   794 15,900 SH   SOLE   0 0 15,900
TRANSPORTADORA DE GAS DEL SUR ADR ADR 893870204   790 66,971 SH   SOLE   0 0 66,971
TAKE-TWO INTERACTIVE SOFTWARE COM COM 874054109   787 7,560 SH   SOLE   0 0 7,560
INVESCO EXCHANGE TRADED FD TR S&P SML600 VAL ETF S&P SML600 VAL ETF 46137V167   779 8,820 SH   SOLE   0 0 8,820
COCA-COLA FEMSA S.A.B. DE C.V. ADR SPONSORED ADR SPONSORED 191241108   779 11,478 SH   SOLE   0 0 11,478
INFOSYS LTD ADR SPONSORED ADR SPONSORED 456788108   772 42,904 SH   SOLE   0 0 42,904
ACTIVISION BLIZZARD INC COM COM 00507V109   767 10,027 SH   SOLE   0 0 10,027
SAP SE ADR SPONSORED ADR SPONSORED 803054204   761 7,375 SH   SOLE   0 0 7,375
BROOKFIELD CORPORATION COM CL A COM CL A 11271J107   741 23,569 SH   SOLE   0 0 23,569
DIAGEO ADR SPONSORED ADR SPONSORED 25243Q205   673 3,778 SH   SOLE   0 0 3,778
REPUBLIC SERVICES INC COM COM 760759100   672 5,215 SH   SOLE   0 0 5,215
BRITISH AMERICAN TOBACCO ADR SPONSORED ADR SPONSORED 110448107   634 15,879 SH   SOLE   0 0 15,879
CENTRAIS ELETRICAS BRASILEIRAS ADR SPONSORED ADR SPONSORED 15234Q207   627 79,119 SH   SOLE   0 0 79,119
ISHARES TRUST INTL DEVPPTY ETF INTL DEVPPTY ETF 464288422   588 21,514 SH   SOLE   0 0 21,514
EURONAV COM COM B38564108   586 34,435 SH   SOLE   0 0 34,435
LOGITECH INTERNATIONAL SA COM COM H50430232   586 9,426 SH   SOLE   0 0 9,426
INTEL CORP COM COM 458140100   580 21,968 SH   SOLE   0 0 21,968
ROGERS COMMUNICATIONS INC COM CL B COM CL B 775109200   566 12,096 SH   SOLE   0 0 12,096
SENDAS DISTRIBUIDORA S.A. ADR SPONSORED ADR SPONSORED 81689T104   559 30,572 SH   SOLE   0 0 30,572
MERCK & CO INC COM COM 58933Y105   557 5,021 SH   SOLE   0 0 5,021
BIONTECH SE ADR ADR 09075V102   556 3,707 SH   SOLE   0 0 3,707
ABB LTD ADR SPONSORED ADR SPONSORED 000375204   550 18,075 SH   SOLE   0 0 18,075
BRIDGESTONE CORP ADR UNSPONSORED ADR UNSPONSORED 108441205   543 30,800 SH   SOLE   0 0 30,800
SIRIUS XM HOLDINGS INC COM COM 82968B103   538 92,172 SH   SOLE   0 0 92,172
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457   519 6,403 SH   SOLE   0 0 6,403
AON PLC (IE) COM CL A COM CL A G0403H108   513 1,711 SH   SOLE   0 0 1,711
AGILENT TECHNOLOGIES INC COM COM 00846U101   508 3,400 SH   SOLE   0 0 3,400
ORIX CORPORATION ADR SPONSORED ADR SPONSORED 686330101   505 6,279 SH   SOLE   0 0 6,279
EMERSON ELECTRIC CO COM COM 291011104   481 5,008 SH   SOLE   0 0 5,008
CATERPILLAR INC COM COM 149123101   478 1,996 SH   SOLE   0 0 1,996
APTIV PLC COM COM G6095L109   475 5,103 SH   SOLE   0 0 5,103
VANGUARD DIV APP ETF DIV APP ETF 921908844   471 3,102 SH   SOLE   0 0 3,102
WISDOMTREE TRUST INTL SMCAP DIV ETF INTL SMCAP DIV ETF 97717W760   463 7,995 SH   SOLE   0 0 7,995
CHECK POINT SFTWRE COM COM M22465104   459 3,641 SH   SOLE   0 0 3,641
WASTE MANAGEMENT INC COM COM 94106L109   436 2,785 SH   SOLE   0 0 2,785
INTERNATIONAL BUS MACH CORP COM COM 459200101   428 3,038 SH   SOLE   0 0 3,038
BROADCOM INC COM COM 11135F101   420 752 SH   SOLE   0 0 752
DR HORTON INC COM COM 23331A109   409 4,595 SH   SOLE   0 0 4,595
AMERICA MOVIL SAB DE CV ADR SPONSORED ADR SPONSORED 02364W105   395 21,735 SH   SOLE   0 0 21,735
KOMATSU ADR SPONSORED ADR SPONSORED 500458401   379 17,600 SH   SOLE   0 0 17,600
SCHWAB (CHARLES) CORP COM COM 808513105   378 4,541 SH   SOLE   0 0 4,541
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103   364 952 SH   SOLE   0 0 952
SYSCO CORP COM COM 871829107   352 4,607 SH   SOLE   0 0 4,607
WIPRO ADR SPONSORED ADR SPONSORED 97651M109   347 74,471 SH   SOLE   0 0 74,471
CHUNGHWA TELECOM ADR SPONSORED ADR SPONSORED 17133Q502   346 9,459 SH   SOLE   0 0 9,459
BASF SE ADR SPONSORED ADR SPONSORED 055262505   344 28,000 SH   SOLE   0 0 28,000
ALLIANZ SE ADR UNSPONSORED ADR UNSPONSORED 018820100   341 15,929 SH   SOLE   0 0 15,929
ORACLE CORP COM COM 68389X105   336 4,113 SH   SOLE   0 0 4,113
TELEFONICA SA ADR SPONSORED ADR SPONSORED 879382208   335 94,072 SH   SOLE   0 0 94,072
UNITED PARCEL SERVICE INC COM CL B COM CL B 911312106   326 1,879 SH   SOLE   0 0 1,879
ALCON AG COM COM H01301128   325 4,744 SH   SOLE   0 0 4,744
MR COOPER GROUP INC COM COM 62482R107   314 7,832 SH   SOLE   0 0 7,832
ISHARES TRUST SP SMCP600VL ETF SP SMCP600VL ETF 464287879   304 3,334 SH   SOLE   0 0 3,334
AMERICA MOVIL SAB DE CV CONTRA DO NOT SELL CONTRA DO NOT SELL 023CNT017   303 16,476 SH   SOLE   0 0 16,476
GENERAL DYNAMICS CORP COM COM 369550108   298 1,203 SH   SOLE   0 0 1,203
VALE S.A. ADR SPONSORED ADR SPONSORED 91912E105   297 17,517 SH   SOLE   0 0 17,517
THERMO FISHER SCIENTIFIC INC COM COM 883556102   292 532 SH   SOLE   0 0 532
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103   290 1,700 SH   SOLE   0 0 1,700
LIBERTY MEDIA CORPORATION COM COM 531229607   285 7,300 SH   SOLE   0 0 7,300
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363   284 811 SH   SOLE   0 0 811
CARDINAL HEALTH INC COM COM 14149Y108   284 3,700 SH   SOLE   0 0 3,700
VERIZON COMMUNICATIONS COM COM 92343V104   276 7,008 SH   SOLE   0 0 7,008
CAPITAL ONE FINANCIAL CORP COM COM 14040H105   273 2,939 SH   SOLE   0 0 2,939
PUBLIC STORAGE COM USD0.10 COM USD0.10 74460D109   271 969 SH   SOLE   0 0 969
AUTOZONE INC COM COM 053332102   268 109 SH   SOLE   0 0 109
LINDE PLC COM COM G5494J103   258 791 SH   SOLE   0 0 791
MOWI ASA ADR SPONSORED ADR SPONSORED 624678108   256 15,099 SH   SOLE   0 0 15,099
RENTOKIL INITIAL ADR SPONSORED ADR SPONSORED 760125104   256 8,310 SH   SOLE   0 0 8,310
TE CONNECTIVITY LTD COM COM H84989104   252 2,200 SH   SOLE   0 0 2,200
WEST FRASER TIMBER CO COM COM 952845105   247 3,428 SH   SOLE   0 0 3,428
PHILIP MORRIS INTL INC COM COM 718172109   246 2,431 SH   SOLE   0 0 2,431
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771   241 4,520 SH   SOLE   0 0 4,520
INVESCO DB MULTI-SECTOR COMM T PRECIOUS METAL ETF PRECIOUS METAL ETF 46140H502   240 5,000 SH   SOLE   0 0 5,000
DANAHER CORP COM COM 235851102   229 865 SH   SOLE   0 0 865
GARMIN LTD COM COM H2906T109   221 2,401 SH   SOLE   0 0 2,401
OPEN TEXT CO COM COM 683715106   219 7,418 SH   SOLE   0 0 7,418
MAGNA INTERNATIONAL INC COM COM 559222401   213 3,800 SH   SOLE   0 0 3,800
SUN HUNG KAI PROPERTIES LTD ADR SPONSORED ADR SPONSORED 86676H302   213 15,700 SH   SOLE   0 0 15,700
OREILLY AUTOMOTIVE INC NEW COM COM 67103H107   212 252 SH   SOLE   0 0 252
SUN LIFE FINANCIAL INC COM COM 866796105   211 4,547 SH   SOLE   0 0 4,547
WAL-MART DE MEXICO SAB DE CV ADR SPONSORED ADR SPONSORED 93114W107   210 6,000 SH   SOLE   0 0 6,000
TEXAS INSTRUMENTS INC COM COM 882508104   207 1,256 SH   SOLE   0 0 1,256
AMBEV SA ADR SPONSORED ADR SPONSORED 02319V103   204 75,000 SH   SOLE   0 0 75,000
COMPANHIA DE SANEAMENTO BASICO ADR SPONSORED ADR SPONSORED 20441A102   203 19,102 SH   SOLE   0 0 19,102
BAIDU INC ADR ADR 056752108   200 1,751 SH   SOLE   0 0 1,751