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   21,573 111,221 SH   SOLE   0 0 111,221
ISHARES TRUST MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL FACTOR ETF 46429B697   13,558 182,412 SH   SOLE   0 0 182,412
ISHARES INC MSCI EMERGING MARKETS MIN V MSCI EMERGING MARKETS MIN V 464286533   12,856 233,845 SH   SOLE   0 0 233,845
ISHARES TRUST MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VOL FACTOR ETF 46429B689   12,204 180,800 SH   SOLE   0 0 180,800
ALPHABET INC COM CL C COM CL C 02079K107   12,156 100,489 SH   SOLE   0 0 100,489
MICROSOFT CORP COM COM 594918104   9,004 26,441 SH   SOLE   0 0 26,441
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647   8,440 367,462 SH   SOLE   0 0 367,462
ALPHABET INC COM CL A COM CL A 02079K305   7,395 61,780 SH   SOLE   0 0 61,780
UNITEDHEALTH GROUP INC COM COM 91324P102   7,350 15,293 SH   SOLE   0 0 15,293
NOVO NORDISK A/S ADR SPONSORED ADR SPONSORED 670100205   7,002 43,270 SH   SOLE   0 0 43,270
VISA INC COM CL A COM CL A 92826C839   5,615 23,645 SH   SOLE   0 0 23,645
HOME DEPOT INC COM COM 437076102   5,223 16,814 SH   SOLE   0 0 16,814
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357   3,892 26,011 SH   SOLE   0 0 26,011
TAIWAN SEMICONDUCTOR MANUFACTU ADR SPONSORED ADR SPONSORED 874039100   3,558 35,260 SH   SOLE   0 0 35,260
THE CIGNA GROUP COM COM 125523100   3,518 12,540 SH   SOLE   0 0 12,540
CGI INC COM CL A COM CL A 12532H104   3,108 29,488 SH   SOLE   0 0 29,488
MCDONALD'S CORPORATION COM COM 580135101   3,071 10,293 SH   SOLE   0 0 10,293
ESTEE LAUDER COMPANIES INC COM CL A COM CL A 518439104   2,870 14,618 SH   SOLE   0 0 14,618
NIKE INC COM CL B COM CL B 654106103   2,838 25,721 SH   SOLE   0 0 25,721
LVMH MOET HENNESSY VUITTON SE ADR UNSPONSORED ADR UNSPONSORED 502441306   2,794 14,800 SH   SOLE   0 0 14,800
ELEVANCE HEALTH INC COM COM 036752103   2,679 6,030 SH   SOLE   0 0 6,030
ACCENTURE PLC COM COM G1151C101   2,495 8,088 SH   SOLE   0 0 8,088
RELX PLC ADR SPONSORED ADR SPONSORED 759530108   2,480 74,192 SH   SOLE   0 0 74,192
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702   2,432 7,133 SH   SOLE   0 0 7,133
VIPSHOP HLDGS LTD ADR ADR 92763W103   2,388 144,747 SH   SOLE   0 0 144,747
WALMART INC COM COM 931142103   2,296 14,609 SH   SOLE   0 0 14,609
COMCAST CORP COM CL A COM CL A 20030N101   2,218 53,405 SH   SOLE   0 0 53,405
CANADIAN NATIONAL RAILWAYS CO COM COM 136375102   2,207 18,235 SH   SOLE   0 0 18,235
MCKESSON CORPORATION COM COM 58155Q103   2,129 4,983 SH   SOLE   0 0 4,983
AMGEN INC COM COM 031162100   2,036 9,173 SH   SOLE   0 0 9,173
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104   2,030 5,162 SH   SOLE   0 0 5,162
ARCHER-DANIELS-MIDLAND CO COM COM 039483102   1,989 26,325 SH   SOLE   0 0 26,325
SOUTHERN COPPER CORPORATION COM COM 84265V105   1,983 27,644 SH   SOLE   0 0 27,644
TJX COS INC COM COM 872540109   1,980 23,358 SH   SOLE   0 0 23,358
FERRARI N V COM COM N3167Y103   1,770 5,443 SH   SOLE   0 0 5,443
UNILEVER PLC ADR SPONSORED ADR SPONSORED 904767704   1,709 32,801 SH   SOLE   0 0 32,801
CISCO SYSTEMS INC COM COM 17275R102   1,640 31,710 SH   SOLE   0 0 31,710
NOVARTIS AG ADR SPONSORED ADR SPONSORED 66987V109   1,622 16,077 SH   SOLE   0 0 16,077
SHELL PLC ADR SPONSORED ADR SPONSORED 780259305   1,603 26,561 SH   SOLE   0 0 26,561
PACCAR INC COM COM 693718108   1,583 18,935 SH   SOLE   0 0 18,935
WILLIS TOWERS WATSON PLC COM COM G96629103   1,579 6,708 SH   SOLE   0 0 6,708
FEDEX CORP COM COM 31428X106   1,548 6,246 SH   SOLE   0 0 6,246
NIPPON TEL & TEL CORP ADR SPONSORED ADR SPONSORED 654624105   1,508 51,120 SH   SOLE   0 0 51,120
TOYOTA MOTOR CORP ADR UNSPONSORED ADR UNSPONSORED 892331307   1,489 9,267 SH   SOLE   0 0 9,267
AMAZON COM INC COM COM 023135106   1,470 11,280 SH   SOLE   0 0 11,280
RAYTHEON TECH CORP COM COM 75513E101   1,435 14,650 SH   SOLE   0 0 14,650
ISHARES INC MSCI GBL MIN VOL ETF MSCI GBL MIN VOL ETF 464286525   1,433 14,619 SH   SOLE   0 0 14,619
MOTOROLA SOLUTIONS INC COM COM 620076307   1,427 4,869 SH   SOLE   0 0 4,869
CME GROUP INC COM COM 12572Q105   1,412 7,624 SH   SOLE   0 0 7,624
NORTHROP GRUMMAN CORP COM COM 666807102   1,400 3,073 SH   SOLE   0 0 3,073
ASML HOLDING NV ADR SPONSORED ADR SPONSORED N07059210   1,379 1,903 SH   SOLE   0 0 1,903
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104   1,366 12,085 SH   SOLE   0 0 12,085
NICE LTD ADR SPONSORED ADR SPONSORED 653656108   1,343 6,508 SH   SOLE   0 0 6,508
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553   1,304 15,617 SH   SOLE   0 0 15,617
RB GLOBAL INC COM COM 74935Q107   1,275 21,254 SH   SOLE   0 0 21,254
PAYPAL HOLDINGS INC COM COM 70450Y103   1,262 18,920 SH   SOLE   0 0 18,920
LOCKHEED MARTIN CORP COM COM 539830109   1,256 2,730 SH   SOLE   0 0 2,730
LYONDELLBASELL INDUSTRIES N V COM COM N53745100   1,253 13,654 SH   SOLE   0 0 13,654
ASTRAZENECA ADR SPONSORED ADR SPONSORED 046353108   1,211 16,930 SH   SOLE   0 0 16,930
CHUBB LIMITED COM COM H1467J104   1,198 6,224 SH   SOLE   0 0 6,224
FISERV INC COM COM 337738108   1,192 9,450 SH   SOLE   0 0 9,450
TRANSPORTADORA DE GAS DEL SUR ADR ADR 893870204   1,161 84,283 SH   SOLE   0 0 84,283
AUTOMATIC DATA PROCESSING INC COM COM 053015103   1,149 5,232 SH   SOLE   0 0 5,232
NATIONAL GRID ADR SPONSORED ADR SPONSORED 636274409   1,148 17,064 SH   SOLE   0 0 17,064
TAKE-TWO INTERACTIVE SOFTWARE COM COM 874054109   1,112 7,560 SH   SOLE   0 0 7,560
MARSH & MCLENNAN COMPANIES INC COM COM 571748102   1,074 5,715 SH   SOLE   0 0 5,715
WALT DISNEY COMPANY (THE) COM COM 254687106   1,071 12,006 SH   SOLE   0 0 12,006
ILLINOIS TOOL WORKS INC COM COM 452308109   1,067 4,267 SH   SOLE   0 0 4,267
PROCTER & GAMBLE CO COM COM 742718109   1,059 6,983 SH   SOLE   0 0 6,983
MONDELEZ INTL INC COM CL A COM CL A 609207105   1,055 14,476 SH   SOLE   0 0 14,476
PNC FINANCIAL SERVICES GROUP COM COM 693475105   1,039 8,255 SH   SOLE   0 0 8,255
BERKSHIRE HATHAWAY INC COM CL A COM CL A 084670108   1,035 2 SH   SOLE   0 0 2
SAP SE ADR SPONSORED ADR SPONSORED 803054204   1,008 7,375 SH   SOLE   0 0 7,375
MICRON TECHNOLOGY INC COM COM 595112103   1,003 15,900 SH   SOLE   0 0 15,900
PEPSICO INC COM COM 713448108   998 5,391 SH   SOLE   0 0 5,391
COSTCO WHOLESALE CORP COM COM 22160K105   993 1,846 SH   SOLE   0 0 1,846
AFLAC INC COM COM 001055102   971 13,922 SH   SOLE   0 0 13,922
HONDA MOTOR CO ADR SPONSORED ADR SPONSORED 438128308   967 31,935 SH   SOLE   0 0 31,935
COCA-COLA FEMSA S.A.B. DE C.V. ADR SPONSORED ADR SPONSORED 191241108   956 11,478 SH   SOLE   0 0 11,478
THOMSON-REUTERS CORP COM COM 884903808   954 7,074 SH   SOLE   0 0 7,074
SPDR INDEX SHARES FUNDS DJ GLB RL ES ETF DJ GLB RL ES ETF 78463X749   954 23,237 SH   SOLE   0 0 23,237
SEMPRA COM COM 816851109   937 6,439 SH   SOLE   0 0 6,439
IMPERIAL OIL COM COM 453038408   883 17,266 SH   SOLE   0 0 17,266
EBAY INC COM COM 278642103   858 19,220 SH   SOLE   0 0 19,220
JOHNSON CONTROLS INTL PLC COM COM G51502105   858 12,603 SH   SOLE   0 0 12,603
ACTIVISION BLIZZARD INC COM COM 00507V109   846 10,036 SH   SOLE   0 0 10,036
INVESCO EXCHANGE TRADED FD TR S&P SML600 VAL ETF S&P SML600 VAL ETF 46137V167   821 8,785 SH   SOLE   0 0 8,785
UNION PACIFIC CORP COM COM 907818108   810 3,959 SH   SOLE   0 0 3,959
COCA-COLA CO COM COM 191216100   803 13,335 SH   SOLE   0 0 13,335
SOCIEDAD QUIMICA Y MINERA DE C ADR SPONSORED ADR SPONSORED 833635105   800 11,022 SH   SOLE   0 0 11,022
REPUBLIC SERVICES INC COM COM 760759100   798 5,215 SH   SOLE   0 0 5,215
BROOKFIELD CORPORATION COM CL A COM CL A 11271J107   793 23,569 SH   SOLE   0 0 23,569
ROGERS COMMUNICATIONS INC COM CL B COM CL B 775109200   768 16,840 SH   SOLE   0 0 16,840
DIAGEO ADR SPONSORED ADR SPONSORED 25243Q205   739 4,261 SH   SOLE   0 0 4,261
CVS HEALTH CORPORATION COM COM 126650100   738 10,679 SH   SOLE   0 0 10,679
INTEL CORP COM COM 458140100   733 21,932 SH   SOLE   0 0 21,932
ABB LTD ADR SPONSORED ADR SPONSORED 000375204   709 18,073 SH   SOLE   0 0 18,073
TARGET CORP COM COM 87612E106   706 5,357 SH   SOLE   0 0 5,357
CENTRAIS ELETRICAS BRASILEIRAS ADR SPONSORED ADR SPONSORED 15234Q207   654 79,119 SH   SOLE   0 0 79,119
BROADCOM INC COM COM 11135F101   652 752 SH   SOLE   0 0 752
BRIDGESTONE CORP ADR UNSPONSORED ADR UNSPONSORED 108441205   631 30,800 SH   SOLE   0 0 30,800
AON PLC (IE) COM CL A COM CL A G0403H108   590 1,711 SH   SOLE   0 0 1,711
MERCK & CO INC COM COM 58933Y105   579 5,021 SH   SOLE   0 0 5,021
ORIX CORPORATION ADR SPONSORED ADR SPONSORED 686330101   572 6,279 SH   SOLE   0 0 6,279
ISHARES TRUST INTL DEVPPTY ETF INTL DEVPPTY ETF 464288422   561 21,514 SH   SOLE   0 0 21,514
DR HORTON INC COM COM 23331A109   559 4,595 SH   SOLE   0 0 4,595
TOTAL SE ADR SPONSORED ADR SPONSORED 89151E109   549 9,532 SH   SOLE   0 0 9,532
EURONAV COM COM B38564108   548 36,063 SH   SOLE   0 0 36,063
INFOSYS LTD ADR SPONSORED ADR SPONSORED 456788108   527 32,820 SH   SOLE   0 0 32,820
APTIV PLC COM COM G6095L109   520 5,103 SH   SOLE   0 0 5,103
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457   511 6,308 SH   SOLE   0 0 6,308
VANGUARD DIV APP ETF DIV APP ETF 921908844   503 3,102 SH   SOLE   0 0 3,102
CHECK POINT SFTWRE COM COM M22465104   492 3,924 SH   SOLE   0 0 3,924
CATERPILLAR INC COM COM 149123101   491 1,996 SH   SOLE   0 0 1,996
ORACLE CORP COM COM 68389X105   489 4,113 SH   SOLE   0 0 4,113
AMERICA MOVIL SAB DE CV ADR SPONSORED ADR SPONSORED 02390A101   481 22,251 SH   SOLE   0 0 22,251
WASTE MANAGEMENT INC COM COM 94106L109   481 2,774 SH   SOLE   0 0 2,774
KOMATSU ADR SPONSORED ADR SPONSORED 500458401   476 17,600 SH   SOLE   0 0 17,600
WISDOMTREE TRUST INTL SMCAP DIV ETF INTL SMCAP DIV ETF 97717W760   475 7,995 SH   SOLE   0 0 7,995
EMERSON ELECTRIC CO COM COM 291011104   452 5,008 SH   SOLE   0 0 5,008
TELEFONICA SA ADR SPONSORED ADR SPONSORED 879382208   449 111,484 SH   SOLE   0 0 111,484
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103   422 952 SH   SOLE   0 0 952
LOGITECH INTERNATIONAL SA COM COM H50430232   416 7,008 SH   SOLE   0 0 7,008
ALCON AG COM COM H01301128   413 5,033 SH   SOLE   0 0 5,033
AGILENT TECHNOLOGIES INC COM COM 00846U101   408 3,400 SH   SOLE   0 0 3,400
INTERNATIONAL BUS MACH CORP COM COM 459200101   407 3,043 SH   SOLE   0 0 3,043
WIPRO ADR SPONSORED ADR SPONSORED 97651M109   405 85,819 SH   SOLE   0 0 85,819
WEST FRASER TIMBER CO COM COM 952845105   399 4,650 SH   SOLE   0 0 4,650
MR COOPER GROUP INC COM COM 62482R107   396 7,832 SH   SOLE   0 0 7,832
SIRIUS XM HOLDINGS INC COM COM 82968B103   383 84,683 SH   SOLE   0 0 84,683
ALLIANZ SE ADR UNSPONSORED ADR UNSPONSORED 018820100   369 15,929 SH   SOLE   0 0 15,929
SMITH & NEPHEW ADR SPONSORED ADR SPONSORED 83175M205   363 11,280 SH   SOLE   0 0 11,280
CHUNGHWA TELECOM ADR SPONSORED ADR SPONSORED 17133Q502   352 9,459 SH   SOLE   0 0 9,459
RENTOKIL INITIAL ADR SPONSORED ADR SPONSORED 760125104   350 8,990 SH   SOLE   0 0 8,990
CARDINAL HEALTH INC COM COM 14149Y108   349 3,700 SH   SOLE   0 0 3,700
NETEASE INC ADR SPONSORED ADR SPONSORED 64110W102   342 3,539 SH   SOLE   0 0 3,539
SYSCO CORP COM COM 871829107   341 4,607 SH   SOLE   0 0 4,607
BASF SE ADR SPONSORED ADR SPONSORED 055262505   339 28,000 SH   SOLE   0 0 28,000
UNITED PARCEL SERVICE INC COM CL B COM CL B 911312106   336 1,879 SH   SOLE   0 0 1,879
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363   330 811 SH   SOLE   0 0 811
CAPITAL ONE FINANCIAL CORP COM COM 14040H105   321 2,939 SH   SOLE   0 0 2,939
ISHARES TRUST SP SMCP600VL ETF SP SMCP600VL ETF 464287879   317 3,334 SH   SOLE   0 0 3,334
TE CONNECTIVITY LTD COM COM H84989104   308 2,200 SH   SOLE   0 0 2,200
OPEN TEXT CO COM COM 683715106   308 7,418 SH   SOLE   0 0 7,418
LINDE PLC COM COM G54950103   306 803 SH   SOLE   0 0 803
META PLATFORMS INC COM CL A COM CL A 30303M102   303 1,059 SH   SOLE   0 0 1,059
PUBLIC STORAGE COM USD0.10 COM USD0.10 74460D109   290 995 SH   SOLE   0 0 995
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103   284 1,700 SH   SOLE   0 0 1,700
THERMO FISHER SCIENTIFIC INC COM COM 883556102   277 532 SH   SOLE   0 0 532
AUTOZONE INC COM COM 053332102   271 109 SH   SOLE   0 0 109
VERIZON COMMUNICATIONS COM COM 92343V104   267 7,184 SH   SOLE   0 0 7,184
SILICON MOTION TECHNOLOGY CORP ADR ADR 82706C108   265 3,689 SH   SOLE   0 0 3,689
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771   260 4,520 SH   SOLE   0 0 4,520
BAIDU INC ADR ADR 056752108   259 1,899 SH   SOLE   0 0 1,899
GENERAL DYNAMICS CORP COM COM 369550108   258 1,203 SH   SOLE   0 0 1,203
SCHWAB (CHARLES) CORP COM COM 808513105   255 4,510 SH   SOLE   0 0 4,510
GARMIN LTD COM COM H2906T109   253 2,433 SH   SOLE   0 0 2,433
INVESCO DB MULTI-SECTOR COMM T PRECIOUS METAL ETF PRECIOUS METAL ETF 46140H502   246 5,000 SH   SOLE   0 0 5,000
EXPEDTRS INTL WASH COM COM 302130109   246 2,037 SH   SOLE   0 0 2,037
OREILLY AUTOMOTIVE INC NEW COM COM 67103H107   240 252 SH   SOLE   0 0 252
VALE S.A. ADR SPONSORED ADR SPONSORED 91912E105   239 17,854 SH   SOLE   0 0 17,854
MOWI ASA ADR SPONSORED ADR SPONSORED 624678108   238 15,099 SH   SOLE   0 0 15,099
AMBEV SA ADR SPONSORED ADR SPONSORED 02319V103   238 75,000 SH   SOLE   0 0 75,000
PHILIP MORRIS INTL INC COM COM 718172109   237 2,431 SH   SOLE   0 0 2,431
WAL-MART DE MEXICO SAB DE CV ADR SPONSORED ADR SPONSORED 93114W107   236 6,000 SH   SOLE   0 0 6,000
SUN LIFE FINANCIAL INC COM COM 866796105   233 4,481 SH   SOLE   0 0 4,481
LIBERTY MEDIA CORPORATION COM COM 531229607   233 7,124 SH   SOLE   0 0 7,124
FOMENTO ECON MEXIC ADR SPONSORED ADR SPONSORED 344419106   231 2,088 SH   SOLE   0 0 2,088
CRH ADR SPONSORED ADR SPONSORED 12626K203   227 4,084 SH   SOLE   0 0 4,084
TEXAS INSTRUMENTS INC COM COM 882508104   226 1,256 SH   SOLE   0 0 1,256
MAGNA INTERNATIONAL INC COM COM 559222401   214 3,800 SH   SOLE   0 0 3,800
HSBC HOLDINGS PLC ADR SPONSORED ADR SPONSORED 404280406   209 5,295 SH   SOLE   0 0 5,295
LAM RESEARCH CORP COM COM 512807108   208 324 SH   SOLE   0 0 324
NIDEC CORPORATION ADR SPONSORED ADR SPONSORED 654090109   206 14,964 SH   SOLE   0 0 14,964