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   18,371 111,412 SH   SOLE   0 0 111,412
ISHARES TRUST MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL FACTOR ETF 46429B697   12,704 174,653 SH   SOLE   0 0 174,653
ISHARES INC MSCI EMERGING MARKETS MIN V MSCI EMERGING MARKETS MIN V 464286533   11,845 217,073 SH   SOLE   0 0 217,073
ISHARES TRUST MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VOL FACTOR ETF 46429B689   11,371 168,093 SH   SOLE   0 0 168,093
ALPHABET INC COM CL C COM CL C 02079K107   10,463 100,611 SH   SOLE   0 0 100,611
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647   9,573 417,494 SH   SOLE   0 0 417,494
MICROSOFT CORP COM COM 594918104   7,650 26,536 SH   SOLE   0 0 26,536
UNITEDHEALTH GROUP INC COM COM 91324P102   7,226 15,292 SH   SOLE   0 0 15,292
NOVO NORDISK A/S ADR SPONSORED ADR SPONSORED 670100205   6,885 43,265 SH   SOLE   0 0 43,265
ALPHABET INC COM CL A COM CL A 02079K305   6,408 61,780 SH   SOLE   0 0 61,780
VISA INC COM CL A COM CL A 92826C839   5,347 23,718 SH   SOLE   0 0 23,718
HOME DEPOT INC COM COM 437076102   4,961 16,812 SH   SOLE   0 0 16,812
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357   3,761 26,011 SH   SOLE   0 0 26,011
ESTEE LAUDER COMPANIES INC COM CL A COM CL A 518439104   3,602 14,618 SH   SOLE   0 0 14,618
TAIWAN SEMICONDUCTOR MANUFACTU ADR SPONSORED ADR SPONSORED 874039100   3,279 35,260 SH   SOLE   0 0 35,260
THE CIGNA GROUP COM COM 125523100   3,204 12,542 SH   SOLE   0 0 12,542
NIKE INC COM CL B COM CL B 654106103   3,154 25,721 SH   SOLE   0 0 25,721
MCDONALD'S CORPORATION COM COM 580135101   2,877 10,291 SH   SOLE   0 0 10,291
CGI INC COM CL A COM CL A 12532H104   2,802 29,116 SH   SOLE   0 0 29,116
ELEVANCE HEALTH INC COM COM 036752103   2,772 6,029 SH   SOLE   0 0 6,029
LVMH MOET HENNESSY VUITTON SE ADR UNSPONSORED ADR UNSPONSORED 502441306   2,719 14,800 SH   SOLE   0 0 14,800
RELX PLC ADR SPONSORED ADR SPONSORED 759530108   2,406 74,171 SH   SOLE   0 0 74,171
ACCENTURE PLC COM COM G1151C101   2,311 8,088 SH   SOLE   0 0 8,088
AMGEN INC COM COM 031162100   2,217 9,173 SH   SOLE   0 0 9,173
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702   2,202 7,133 SH   SOLE   0 0 7,133
VIPSHOP HLDGS LTD ADR ADR 92763W103   2,185 144,001 SH   SOLE   0 0 144,001
WALMART INC COM COM 931142103   2,153 14,604 SH   SOLE   0 0 14,604
CANADIAN NATIONAL RAILWAYS CO COM COM 136375102   2,150 18,227 SH   SOLE   0 0 18,227
SOUTHERN COPPER CORPORATION COM COM 84265V105   2,123 27,846 SH   SOLE   0 0 27,846
ARCHER-DANIELS-MIDLAND CO COM COM 039483102   2,097 26,336 SH   SOLE   0 0 26,336
COMCAST CORP COM CL A COM CL A 20030N101   2,024 53,405 SH   SOLE   0 0 53,405
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104   1,875 5,162 SH   SOLE   0 0 5,162
TJX COS INC COM COM 872540109   1,830 23,358 SH   SOLE   0 0 23,358
MCKESSON CORPORATION COM COM 58155Q103   1,773 4,982 SH   SOLE   0 0 4,982
UNILEVER PLC ADR SPONSORED ADR SPONSORED 904767704   1,702 32,786 SH   SOLE   0 0 32,786
CISCO SYSTEMS INC COM COM 17275R102   1,656 31,695 SH   SOLE   0 0 31,695
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553   1,609 19,384 SH   SOLE   0 0 19,384
WILLIS TOWERS WATSON PLC COM COM G96629103   1,558 6,708 SH   SOLE   0 0 6,708
NIPPON TEL & TEL CORP ADR SPONSORED ADR SPONSORED 654624105   1,531 51,120 SH   SOLE   0 0 51,120
SHELL PLC ADR SPONSORED ADR SPONSORED 780259305   1,525 26,519 SH   SOLE   0 0 26,519
NICE LTD ADR SPONSORED ADR SPONSORED 653656108   1,522 6,652 SH   SOLE   0 0 6,652
NOVARTIS AG ADR SPONSORED ADR SPONSORED 66987V109   1,479 16,077 SH   SOLE   0 0 16,077
FERRARI N V COM COM N3167Y103   1,474 5,443 SH   SOLE   0 0 5,443
CME GROUP INC COM COM 12572Q105   1,461 7,630 SH   SOLE   0 0 7,630
PAYPAL HOLDINGS INC COM COM 70450Y103   1,436 18,920 SH   SOLE   0 0 18,920
RAYTHEON TECH CORP COM COM 75513E101   1,433 14,642 SH   SOLE   0 0 14,642
FEDEX CORP COM COM 31428X106   1,427 6,246 SH   SOLE   0 0 6,246
NORTHROP GRUMMAN CORP COM COM 666807102   1,418 3,073 SH   SOLE   0 0 3,073
MOTOROLA SOLUTIONS INC COM COM 620076307   1,393 4,869 SH   SOLE   0 0 4,869
PACCAR INC COM COM 693718108   1,385 18,925 SH   SOLE   0 0 18,925
TOYOTA MOTOR CORP ADR UNSPONSORED ADR UNSPONSORED 892331307   1,313 9,273 SH   SOLE   0 0 9,273
ASML HOLDING NV ADR SPONSORED ADR SPONSORED N07059210   1,295 1,903 SH   SOLE   0 0 1,903
LOCKHEED MARTIN CORP COM COM 539830109   1,290 2,729 SH   SOLE   0 0 2,729
LYONDELLBASELL INDUSTRIES N V COM COM N53745100   1,281 13,654 SH   SOLE   0 0 13,654
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104   1,260 12,085 SH   SOLE   0 0 12,085
RITCHIE BROS AUCTIONEERS COM COM 767744105   1,232 21,894 SH   SOLE   0 0 21,894
SILICON MOTION TECHNOLOGY CORP ADR ADR 82706C108   1,228 18,745 SH   SOLE   0 0 18,745
WALT DISNEY COMPANY (THE) COM COM 254687106   1,202 12,006 SH   SOLE   0 0 12,006
ASTRAZENECA ADR SPONSORED ADR SPONSORED 046353108   1,175 16,930 SH   SOLE   0 0 16,930
AMAZON COM INC COM COM 023135106   1,165 11,280 SH   SOLE   0 0 11,280
AUTOMATIC DATA PROCESSING INC COM COM 053015103   1,164 5,229 SH   SOLE   0 0 5,229
NATIONAL GRID ADR SPONSORED ADR SPONSORED 636274409   1,125 16,548 SH   SOLE   0 0 16,548
CHUBB LIMITED COM COM H1467J104   1,075 5,540 SH   SOLE   0 0 5,540
ISHARES INC MSCI GBL MIN VOL ETF MSCI GBL MIN VOL ETF 464286525   1,073 11,100 SH   SOLE   0 0 11,100
FISERV INC COM COM 337738108   1,068 9,450 SH   SOLE   0 0 9,450
PNC FINANCIAL SERVICES GROUP COM COM 693475105   1,049 8,255 SH   SOLE   0 0 8,255
PROCTER & GAMBLE CO COM COM 742718109   1,039 6,989 SH   SOLE   0 0 6,989
ILLINOIS TOOL WORKS INC COM COM 452308109   1,038 4,267 SH   SOLE   0 0 4,267
MONDELEZ INTL INC COM CL A COM CL A 609207105   1,008 14,466 SH   SOLE   0 0 14,466
PEPSICO INC COM COM 713448108   982 5,391 SH   SOLE   0 0 5,391
SEMPRA COM COM 816851109   974 6,445 SH   SOLE   0 0 6,445
THOMSON-REUTERS CORP COM COM 884903709   968 7,441 SH   SOLE   0 0 7,441
MICRON TECHNOLOGY INC COM COM 595112103   959 15,900 SH   SOLE   0 0 15,900
SPDR INDEX SHARES FUNDS DJ GLB RL ES ETF DJ GLB RL ES ETF 78463X749   956 23,237 SH   SOLE   0 0 23,237
MARSH & MCLENNAN COMPANIES INC COM COM 571748102   951 5,711 SH   SOLE   0 0 5,711
SAP SE ADR SPONSORED ADR SPONSORED 803054204   933 7,375 SH   SOLE   0 0 7,375
BERKSHIRE HATHAWAY INC COM CL A COM CL A 084670108   931 2 SH   SOLE   0 0 2
COCA-COLA FEMSA S.A.B. DE C.V. ADR SPONSORED ADR SPONSORED 191241108   923 11,478 SH   SOLE   0 0 11,478
SOCIEDAD QUIMICA Y MINERA DE C ADR SPONSORED ADR SPONSORED 833635105   922 11,384 SH   SOLE   0 0 11,384
COSTCO WHOLESALE CORP COM COM 22160K105   916 1,845 SH   SOLE   0 0 1,845
TAKE-TWO INTERACTIVE SOFTWARE COM COM 874054109   901 7,560 SH   SOLE   0 0 7,560
AFLAC INC COM COM 001055102   897 13,911 SH   SOLE   0 0 13,911
TARGET CORP COM COM 87612E106   887 5,357 SH   SOLE   0 0 5,357
IMPERIAL OIL COM COM 453038408   877 17,266 SH   SOLE   0 0 17,266
ACTIVISION BLIZZARD INC COM COM 00507V109   858 10,027 SH   SOLE   0 0 10,027
EBAY INC COM COM 278642103   852 19,220 SH   SOLE   0 0 19,220
COCA-COLA CO COM COM 191216100   826 13,322 SH   SOLE   0 0 13,322
CVS HEALTH CORPORATION COM COM 126650100   800 10,774 SH   SOLE   0 0 10,774
INVESCO EXCHANGE TRADED FD TR S&P SML600 VAL ETF S&P SML600 VAL ETF 46137V167   799 8,820 SH   SOLE   0 0 8,820
UNION PACIFIC CORP COM COM 907818108   796 3,959 SH   SOLE   0 0 3,959
ROGERS COMMUNICATIONS INC COM CL B COM CL B 775109200   787 16,994 SH   SOLE   0 0 16,994
DIAGEO ADR SPONSORED ADR SPONSORED 25243Q205   770 4,255 SH   SOLE   0 0 4,255
BROOKFIELD CORPORATION COM CL A COM CL A 11271J107   768 23,569 SH   SOLE   0 0 23,569
JOHNSON CONTROLS INTL PLC COM COM G51502105   758 12,603 SH   SOLE   0 0 12,603
INFOSYS LTD ADR SPONSORED ADR SPONSORED 456788108   748 42,904 SH   SOLE   0 0 42,904
INTEL CORP COM COM 458140100   717 21,968 SH   SOLE   0 0 21,968
REPUBLIC SERVICES INC COM COM 760759100   705 5,215 SH   SOLE   0 0 5,215
TRANSPORTADORA DE GAS DEL SUR ADR ADR 893870204   685 66,971 SH   SOLE   0 0 66,971
BRIDGESTONE CORP ADR UNSPONSORED ADR UNSPONSORED 108441205   623 30,800 SH   SOLE   0 0 30,800
ABB LTD ADR SPONSORED ADR SPONSORED 000375204   619 18,075 SH   SOLE   0 0 18,075
EURONAV COM COM B38564108   602 35,860 SH   SOLE   0 0 35,860
ISHARES TRUST INTL DEVPPTY ETF INTL DEVPPTY ETF 464288422   578 21,514 SH   SOLE   0 0 21,514
APTIV PLC COM COM G6095L109   572 5,103 SH   SOLE   0 0 5,103
AON PLC (IE) COM CL A COM CL A G0403H108   539 1,711 SH   SOLE   0 0 1,711
MERCK & CO INC COM COM 58933Y105   534 5,021 SH   SOLE   0 0 5,021
CENTRAIS ELETRICAS BRASILEIRAS ADR SPONSORED ADR SPONSORED 15234Q207   524 79,119 SH   SOLE   0 0 79,119
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457   521 6,347 SH   SOLE   0 0 6,347
ORIX CORPORATION ADR SPONSORED ADR SPONSORED 686330101   515 6,279 SH   SOLE   0 0 6,279
CHECK POINT SFTWRE COM COM M22465104   506 3,896 SH   SOLE   0 0 3,896
WISDOMTREE TRUST INTL SMCAP DIV ETF INTL SMCAP DIV ETF 97717W760   487 7,995 SH   SOLE   0 0 7,995
BROADCOM INC COM COM 11135F101   482 752 SH   SOLE   0 0 752
VANGUARD DIV APP ETF DIV APP ETF 921908844   477 3,102 SH   SOLE   0 0 3,102
TELEFONICA SA ADR SPONSORED ADR SPONSORED 879382208   474 110,936 SH   SOLE   0 0 110,936
AGILENT TECHNOLOGIES INC COM COM 00846U101   470 3,400 SH   SOLE   0 0 3,400
AMERICA MOVIL SAB DE CV ADR SPONSORED ADR SPONSORED 02390A101   464 22,085 SH   SOLE   0 0 22,085
CATERPILLAR INC COM COM 149123101   456 1,996 SH   SOLE   0 0 1,996
WASTE MANAGEMENT INC COM COM 94106L109   452 2,774 SH   SOLE   0 0 2,774
DR HORTON INC COM COM 23331A109   448 4,595 SH   SOLE   0 0 4,595
KOMATSU ADR SPONSORED ADR SPONSORED 500458401   437 17,600 SH   SOLE   0 0 17,600
EMERSON ELECTRIC CO COM COM 291011104   436 5,008 SH   SOLE   0 0 5,008
BRITISH AMERICAN TOBACCO ADR SPONSORED ADR SPONSORED 110448107   422 12,019 SH   SOLE   0 0 12,019
INTERNATIONAL BUS MACH CORP COM COM 459200101   398 3,038 SH   SOLE   0 0 3,038
BIONTECH SE ADR ADR 09075V102   392 3,150 SH   SOLE   0 0 3,150
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103   389 952 SH   SOLE   0 0 952
ORACLE CORP COM COM 68389X105   382 4,113 SH   SOLE   0 0 4,113
LOGITECH INTERNATIONAL SA COM COM H50430232   380 6,556 SH   SOLE   0 0 6,556
WEST FRASER TIMBER CO COM COM 952845105   379 5,325 SH   SOLE   0 0 5,325
CHUNGHWA TELECOM ADR SPONSORED ADR SPONSORED 17133Q502   369 9,459 SH   SOLE   0 0 9,459
ALLIANZ SE ADR UNSPONSORED ADR UNSPONSORED 018820100   367 15,929 SH   SOLE   0 0 15,929
BASF SE ADR SPONSORED ADR SPONSORED 055262505   366 28,000 SH   SOLE   0 0 28,000
UNITED PARCEL SERVICE INC COM CL B COM CL B 911312106   364 1,879 SH   SOLE   0 0 1,879
SYSCO CORP COM COM 871829107   355 4,607 SH   SOLE   0 0 4,607
ALCON AG COM COM H01301128   352 4,997 SH   SOLE   0 0 4,997
WIPRO ADR SPONSORED ADR SPONSORED 97651M109   336 75,005 SH   SOLE   0 0 75,005
SIRIUS XM HOLDINGS INC COM COM 82968B103   335 84,457 SH   SOLE   0 0 84,457
MR COOPER GROUP INC COM COM 62482R107   320 7,832 SH   SOLE   0 0 7,832
ISHARES TRUST SP SMCP600VL ETF SP SMCP600VL ETF 464287879   312 3,334 SH   SOLE   0 0 3,334
THERMO FISHER SCIENTIFIC INC COM COM 883556102   306 532 SH   SOLE   0 0 532
RENTOKIL INITIAL ADR SPONSORED ADR SPONSORED 760125104   305 8,367 SH   SOLE   0 0 8,367
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363   304 811 SH   SOLE   0 0 811
NETEASE INC ADR SPONSORED ADR SPONSORED 64110W102   296 3,347 SH   SOLE   0 0 3,347
PUBLIC STORAGE COM USD0.10 COM USD0.10 74460D109   292 969 SH   SOLE   0 0 969
TE CONNECTIVITY LTD COM COM H84989104   288 2,200 SH   SOLE   0 0 2,200
OPEN TEXT CO COM COM 683715106   285 7,418 SH   SOLE   0 0 7,418
LINDE PLC COM COM G54950103   284 800 SH   SOLE   0 0 800
SMITH & NEPHEW ADR SPONSORED ADR SPONSORED 83175M205   284 10,186 SH   SOLE   0 0 10,186
CAPITAL ONE FINANCIAL CORP COM COM 14040H105   282 2,939 SH   SOLE   0 0 2,939
VALE S.A. ADR SPONSORED ADR SPONSORED 91912E105   279 17,713 SH   SOLE   0 0 17,713
CARDINAL HEALTH INC COM COM 14149Y108   279 3,700 SH   SOLE   0 0 3,700
MOWI ASA ADR SPONSORED ADR SPONSORED 624678108   278 15,099 SH   SOLE   0 0 15,099
BAIDU INC ADR ADR 056752108   277 1,842 SH   SOLE   0 0 1,842
GENERAL DYNAMICS CORP COM COM 369550108   274 1,203 SH   SOLE   0 0 1,203
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103   274 1,700 SH   SOLE   0 0 1,700
VERIZON COMMUNICATIONS COM COM 92343V104   272 7,008 SH   SOLE   0 0 7,008
AUTOZONE INC COM COM 053332102   267 109 SH   SOLE   0 0 109
INVESCO DB MULTI-SECTOR COMM T PRECIOUS METAL ETF PRECIOUS METAL ETF 46140H502   255 5,000 SH   SOLE   0 0 5,000
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771   248 4,520 SH   SOLE   0 0 4,520
GARMIN LTD COM COM H2906T109   244 2,426 SH   SOLE   0 0 2,426
WAL-MART DE MEXICO SAB DE CV ADR SPONSORED ADR SPONSORED 93114W107   238 6,000 SH   SOLE   0 0 6,000
SCHWAB (CHARLES) CORP COM COM 808513105   237 4,541 SH   SOLE   0 0 4,541
PHILIP MORRIS INTL INC COM COM 718172109   236 2,431 SH   SOLE   0 0 2,431
TEXAS INSTRUMENTS INC COM COM 882508104   233 1,256 SH   SOLE   0 0 1,256
EXPEDTRS INTL WASH COM COM 302130109   225 2,045 SH   SOLE   0 0 2,045
META PLATFORMS INC COM CL A COM CL A 30303M102   224 1,059 SH   SOLE   0 0 1,059
SUN HUNG KAI PROPERTIES LTD ADR SPONSORED ADR SPONSORED 86676H302   218 15,700 SH   SOLE   0 0 15,700
DANAHER CORP COM COM 235851102   218 865 SH   SOLE   0 0 865
OREILLY AUTOMOTIVE INC NEW COM COM 67103H107   213 252 SH   SOLE   0 0 252
AMBEV SA ADR SPONSORED ADR SPONSORED 02319V103   211 75,000 SH   SOLE   0 0 75,000
SUN LIFE FINANCIAL INC COM COM 866796105   209 4,481 SH   SOLE   0 0 4,481
CRH ADR SPONSORED ADR SPONSORED 12626K203   207 4,084 SH   SOLE   0 0 4,084
LIBERTY MEDIA CORPORATION COM COM 531229607   204 7,300 SH   SOLE   0 0 7,300
MAGNA INTERNATIONAL INC COM COM 559222401   203 3,800 SH   SOLE   0 0 3,800
WHEATON PRECIOUS METALS CORP COM COM 962879102   202 4,201 SH   SOLE   0 0 4,201
VALERO ENERGY CORP COM COM 91913Y100   200 1,435 SH   SOLE   0 0 1,435