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 037833100   18,905 110,246 SH   SOLE   0 0 110,246
ISHARES TR MSCI USA MIN VOL 46429B697   15,842 189,537 SH   SOLE   0 0 189,537
ALPHABET INC CAP STK CL C 02079K107   15,191 99,768 SH   SOLE   0 0 99,768
ISHARES INC MSCI EMERG MRKT 464286533   14,004 247,449 SH   SOLE   0 0 247,449
ISHARES TR MSCI EAFE MIN VL 46429B689   13,410 189,183 SH   SOLE   0 0 189,183
NOVO-NORDISK A S ADR 670100205   11,111 86,528 SH   SOLE   0 0 86,528
MICROSOFT CORP COM 594918104   11,065 26,299 SH   SOLE   0 0 26,299
ALPHABET INC CAP STK CL A 02079K305   9,325 61,780 SH   SOLE   0 0 61,780
UNITEDHEALTH GROUP INC COM 91324P102   7,519 15,198 SH   SOLE   0 0 15,198
ISHARES TR GLOBAL REIT ETF 46434V647   7,363 310,925 SH   SOLE   0 0 310,925
VISA INC COM CL A 92826C839   6,599 23,645 SH   SOLE   0 0 23,645
HOME DEPOT INC COM 437076102   6,462 16,845 SH   SOLE   0 0 16,845
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   4,798 35,260 SH   SOLE   0 0 35,260
THE CIGNA GROUP COM 125523100   4,555 12,540 SH   SOLE   0 0 12,540
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,406 26,011 SH   SOLE   0 0 26,011
RELX PLC SPONSORED ADR 759530108   3,321 76,694 SH   SOLE   0 0 76,694
CGI INC CL A SUB VTG 12532H104   3,300 29,858 SH   SOLE   0 0 29,858
ELEVANCE HEALTH INC COM 036752103   3,141 6,056 SH   SOLE   0 0 6,056
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,000 7,132 SH   SOLE   0 0 7,132
SOUTHERN COPPER CORP COM 84265V105   2,945 27,644 SH   SOLE   0 0 27,644
MCDONALDS CORP COM 580135101   2,911 10,321 SH   SOLE   0 0 10,321
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,804 8,088 SH   SOLE   0 0 8,088
MCKESSON CORP COM 58155Q103   2,689 5,007 SH   SOLE   0 0 5,007
WALMART INC COM 931142103   2,651 44,052 SH   SOLE   0 0 44,052
AMGEN INC COM 031162100   2,609 9,173 SH   SOLE   0 0 9,173
MASTERCARD INCORPORATED CL A 57636Q104   2,486 5,162 SH   SOLE   0 0 5,162
NIKE INC CL B 654106103   2,418 25,721 SH   SOLE   0 0 25,721
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   2,390 144,386 SH   SOLE   0 0 144,386
FERRARI N V COM N3167Y103   2,373 5,443 SH   SOLE   0 0 5,443
TJX COS INC NEW COM 872540109   2,369 23,358 SH   SOLE   0 0 23,358
TOYOTA MOTOR CORP ADS 892331307   2,359 9,371 SH   SOLE   0 0 9,371
PACCAR INC COM 693718108   2,355 19,007 SH   SOLE   0 0 19,007
COMCAST CORP NEW CL A 20030N101   2,310 53,276 SH   SOLE   0 0 53,276
CANADIAN NATL RY CO COM 136375102   2,259 17,148 SH   SOLE   0 0 17,148
LAUDER ESTEE COS INC CL A 518439104   2,128 13,800 SH   SOLE   0 0 13,800
AMAZON COM INC COM 023135106   2,035 11,280 SH   SOLE   0 0 11,280
MICRON TECHNOLOGY INC COM 595112103   1,875 15,900 SH   SOLE   0 0 15,900
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,847 1,903 SH   SOLE   0 0 1,903
CHUBB LIMITED COM H1467J104   1,820 7,023 SH   SOLE   0 0 7,023
FEDEX CORP COM 31428X106   1,810 6,246 SH   SOLE   0 0 6,246
SHELL PLC SPON ADS 780259305   1,793 26,743 SH   SOLE   0 0 26,743
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,729 4,869 SH   SOLE   0 0 4,869
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,661 12,085 SH   SOLE   0 0 12,085
CME GROUP INC COM 12572Q105   1,640 7,617 SH   SOLE   0 0 7,617
UNILEVER PLC SPON ADR NEW 904767704   1,640 32,669 SH   SOLE   0 0 32,669
RB GLOBAL INC COM 74935Q107   1,618 21,230 SH   SOLE   0 0 21,230
CISCO SYS INC COM 17275R102   1,616 32,376 SH   SOLE   0 0 32,376
ISHARES INC MSCI GBL MIN VOL 464286525   1,600 15,199 SH   SOLE   0 0 15,199
NOVARTIS AG SPONSORED ADR 66987V109   1,562 16,143 SH   SOLE   0 0 16,143
FISERV INC COM 337738108   1,506 9,418 SH   SOLE   0 0 9,418
NORTHROP GRUMMAN CORP COM 666807102   1,469 3,067 SH   SOLE   0 0 3,067
DISNEY WALT CO COM 254687106   1,466 11,973 SH   SOLE   0 0 11,973
SAP SE SPON ADR 803054204   1,439 7,375 SH   SOLE   0 0 7,375
RTX CORPORATION COM 75513E101   1,425 14,605 SH   SOLE   0 0 14,605
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,397 13,654 SH   SOLE   0 0 13,654
COSTCO WHSL CORP NEW COM 22160K105   1,365 1,863 SH   SOLE   0 0 1,863
PNC FINL SVCS GROUP INC COM 693475105   1,335 8,255 SH   SOLE   0 0 8,255
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,327 15,344 SH   SOLE   0 0 15,344
AUTOMATIC DATA PROCESSING IN COM 053015103   1,320 5,283 SH   SOLE   0 0 5,283
PAYPAL HLDGS INC COM 70450Y103   1,268 18,920 SH   SOLE   0 0 18,920
LOCKHEED MARTIN CORP COM 539830109   1,248 2,743 SH   SOLE   0 0 2,743
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   1,208 32,433 SH   SOLE   0 0 32,433
AFLAC INC COM 001055102   1,203 14,002 SH   SOLE   0 0 14,002
IMPERIAL OIL LTD COM NEW 453038408   1,194 17,266 SH   SOLE   0 0 17,266
MARSH & MCLENNAN COS INC COM 571748102   1,190 5,774 SH   SOLE   0 0 5,774
ASTRAZENECA PLC SPONSORED ADR 046353108   1,148 16,930 SH   SOLE   0 0 16,930
ILLINOIS TOOL WKS INC COM 452308109   1,145 4,267 SH   SOLE   0 0 4,267
NATIONAL GRID PLC SPONSORED ADR NE 636274409   1,126 16,504 SH   SOLE   0 0 16,504
PROCTER AND GAMBLE CO COM 742718109   1,123 6,920 SH   SOLE   0 0 6,920
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   1,123 7,560 SH   SOLE   0 0 7,560
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   1,116 11,478 SH   SOLE   0 0 11,478
THOMSON REUTERS CORP. COM 884903808   1,103 7,074 SH   SOLE   0 0 7,074
TRANSPORTADORA DE GAS SUR SPONSORED ADS B 893870204   1,026 67,925 SH   SOLE   0 0 67,925
MONDELEZ INTL INC CL A 609207105   1,021 14,574 SH   SOLE   0 0 14,574
EBAY INC. COM 278642103   1,015 19,220 SH   SOLE   0 0 19,220
REPUBLIC SVCS INC COM 760759100   999 5,215 SH   SOLE   0 0 5,215
BROADCOM INC COM 11135F101   997 752 SH   SOLE   0 0 752
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   996 23,237 SH   SOLE   0 0 23,237
BROOKFIELD CORP CL A LTD VT SH 11271J107   987 23,569 SH   SOLE   0 0 23,569
INTEL CORP COM 458140100   986 22,321 SH   SOLE   0 0 22,321
UNION PAC CORP COM 907818108   974 3,959 SH   SOLE   0 0 3,959
TARGET CORP COM 87612E106   950 5,357 SH   SOLE   0 0 5,357
PEPSICO INC COM 713448108   944 5,391 SH   SOLE   0 0 5,391
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167   934 8,686 SH   SOLE   0 0 8,686
WIPRO LTD SPON ADR 1 SH 97651M109   908 157,861 SH   SOLE   0 0 157,861
SEMPRA COM 816851109   892 12,406 SH   SOLE   0 0 12,406
CVS HEALTH CORP COM 126650100   877 10,992 SH   SOLE   0 0 10,992
LINDE PLC SHS G54950103   833 1,793 SH   SOLE   0 0 1,793
JOHNSON CTLS INTL PLC SHS G51502105   824 12,603 SH   SOLE   0 0 12,603
COCA COLA CO COM 191216100   790 12,902 SH   SOLE   0 0 12,902
D R HORTON INC COM 23331A109   757 4,595 SH   SOLE   0 0 4,595
TOTALENERGIES SE SPONSORED ADS 89151E109   745 10,819 SH   SOLE   0 0 10,819
CATERPILLAR INC COM 149123101   732 1,996 SH   SOLE   0 0 1,996
ORIX CORP SPONSORED ADR 686330101   692 6,279 SH   SOLE   0 0 6,279
SONY GROUP CORP SPONSORED ADR 835699307   670 7,812 SH   SOLE   0 0 7,812
MERCK & CO INC COM 58933Y105   663 5,021 SH   SOLE   0 0 5,021
INFOSYS LTD SPONSORED ADR 456788108   634 35,311 SH   SOLE   0 0 35,311
LOGITECH INTL S A SHS H50430232   633 7,074 SH   SOLE   0 0 7,074
CHECK POINT SOFTWARE TECH LT ORD M22465104   632 3,853 SH   SOLE   0 0 3,853
WILLIS TOWERS WATSON PLC LTD FGO G96629103   615 2,235 SH   SOLE   0 0 2,235
MR COOPER GROUP INC COM 62482R107   611 7,832 SH   SOLE   0 0 7,832
CENTRAIS ELETRICAS BRASILEIR ADR 15234Q207   609 72,834 SH   SOLE   0 0 72,834
ISHARES TR UIE 464288422   606 21,338 SH   SOLE   0 0 21,338
EURONAV NV FGO B38564108   600 36,051 SH   SOLE   0 0 36,051
WASTE MGMT INC DEL COM 94106L109   600 2,811 SH   SOLE   0 0 2,811
INTERNATIONAL BUSINESS MACHS COM 459200101   596 3,119 SH   SOLE   0 0 3,119
AON PLC FGO G0403H108   571 1,711 SH   SOLE   0 0 1,711
EMERSON ELEC CO COM 291011104   569 5,008 SH   SOLE   0 0 5,008
VANGUARD SPECIALIZED FUNDS UIE 921908844   567 3,102 SH   SOLE   0 0 3,102
TELEFONICA S A ADR 879382208   523 118,476 SH   SOLE   0 0 118,476
WISDOMTREE TR UIE 97717W760   522 7,995 SH   SOLE   0 0 7,995
ORACLE CORP COM 68389X105   517 4,113 SH   SOLE   0 0 4,113
META PLATFORMS INC COM 30303M102   515 1,059 SH   SOLE   0 0 1,059
ISHARES TR UIE 464287457   503 6,140 SH   SOLE   0 0 6,140
AMCOR PLC FGO G0250X107   501 52,667 SH   SOLE   0 0 52,667
SPDR S&P 500 ETF TR UIE 78462F103   498 952 SH   SOLE   0 0 952
AGILENT TECHNOLOGIES INC COM 00846U101   495 3,400 SH   SOLE   0 0 3,400
NUTRIEN LTD FGC 67077M108   482 8,867 SH   SOLE   0 0 8,867
NOMURA HLDGS INC ADR 65535H208   460 71,578 SH   SOLE   0 0 71,578
DR REDDYS LABS LTD ADR 256135203   440 5,994 SH   SOLE   0 0 5,994
CAPITAL ONE FINL CORP COM 14040H105   438 2,939 SH   SOLE   0 0 2,939
DIAGEO PLC ADR 25243Q205   426 2,860 SH   SOLE   0 0 2,860
ALCON AG FGO H01301128   424 5,082 SH   SOLE   0 0 5,082
CARDINAL HEALTH INC COM 14149Y108   415 3,700 SH   SOLE   0 0 3,700
PEARSON PLC ADR 705015105   414 31,440 SH   SOLE   0 0 31,440
APTIV PLC FGO G6095L109   407 5,103 SH   SOLE   0 0 5,103
AMERICA MOVIL SAB DE CV ADR 02390A101   406 21,720 SH   SOLE   0 0 21,720
VANGUARD INDEX FDS UIE 922908363   390 811 SH   SOLE   0 0 811
HALEON PLC ADR 405552100   376 44,218 SH   SOLE   0 0 44,218
SYSCO CORP COM 871829107   374 4,607 SH   SOLE   0 0 4,607
NETEASE INC ADR 64110W102   374 3,612 SH   SOLE   0 0 3,612
CHUNGHWA TELECOM CO LTD ADR 17133Q502   371 9,459 SH   SOLE   0 0 9,459
GARMIN LTD FGO H2906T109   369 2,477 SH   SOLE   0 0 2,477
ROGERS COMMUNICATIONS INC FGC 775109200   359 8,741 SH   SOLE   0 0 8,741
CRH PLC FGO G25508105   353 4,084 SH   SOLE   0 0 4,084
TAKEDA PHARMACEUTICAL CO LTD ADR 874060205   351 25,245 SH   SOLE   0 0 25,245
AUTOZONE INC COM 053332102   350 111 SH   SOLE   0 0 111
ISHARES TR UIE 464287879   343 3,334 SH   SOLE   0 0 3,334
TOWER SEMICONDUCTOR LTD FGO M87915274   342 10,218 SH   SOLE   0 0 10,218
GENERAL DYNAMICS CORP COM 369550108   340 1,203 SH   SOLE   0 0 1,203
BRITISH AMERN TOB PLC ADR 110448107   336 10,984 SH   SOLE   0 0 10,984
NICE LTD ADR 653656108   331 1,269 SH   SOLE   0 0 1,269
SCHWAB CHARLES CORP COM 808513105   327 4,510 SH   SOLE   0 0 4,510
TE CONNECTIVITY LTD FGO H84989104   320 2,200 SH   SOLE   0 0 2,200
LAM RESEARCH CORP COM 512807108   315 324 SH   SOLE   0 0 324
VERIZON COMMUNICATIONS INC COM 92343V104   313 7,456 SH   SOLE   0 0 7,456
SCHWAB STRATEGIC TR UIE 808524771   305 4,520 SH   SOLE   0 0 4,520
JANUX THERAPEUTICS INC COM 47103J105   300 7,964 SH   SOLE   0 0 7,964
ARCHER DANIELS MIDLAND CO COM 039483102   300 4,762 SH   SOLE   0 0 4,762
PUBLIC STORAGE RET 74460D109   298 1,026 SH   SOLE   0 0 1,026
SIRIUS XM HOLDINGS INC COM 82968B103   294 75,740 SH   SOLE   0 0 75,740
THERMO FISHER SCIENTIFIC INC COM 883556102   290 498 SH   SOLE   0 0 498
CHEVRON CORP NEW COM 166764100   289 1,832 SH   SOLE   0 0 1,832
BIONTECH SE ADR 09075V102   288 3,112 SH   SOLE   0 0 3,112
OREILLY AUTOMOTIVE INC COM 67103H107   285 252 SH   SOLE   0 0 252
OPEN TEXT CORP FGC 683715106   284 7,307 SH   SOLE   0 0 7,307
GOLD FIELDS LTD ADR 38059T106   277 17,407 SH   SOLE   0 0 17,407
FOMENTO ECONOMICO MEXICANO S ADR 344419106   273 2,088 SH   SOLE   0 0 2,088
HOLLYSYS AUTOMATION TCHNGY L FGO G45667105   269 10,500 SH   SOLE   0 0 10,500
INVESCO DB MULTI-SECTOR COMM UIE 46140H502   268 5,000 SH   SOLE   0 0 5,000
KEYSIGHT TECHNOLOGIES INC COM 49338L103   266 1,700 SH   SOLE   0 0 1,700
TRIP COM GROUP LTD ADR 89677Q107   264 6,001 SH   SOLE   0 0 6,001
RIO TINTO PLC ADR 767204100   263 4,126 SH   SOLE   0 0 4,126
HSBC HLDGS PLC ADR 404280406   257 6,507 SH   SOLE   0 0 6,507
DELL TECHNOLOGIES INC COM 24703L202   256 2,239 SH   SOLE   0 0 2,239
BROOKFIELD ASSET MANAGMT LTD FGC 113004105   248 5,889 SH   SOLE   0 0 5,889
EXPEDITORS INTL WASH INC COM 302130109   248 2,034 SH   SOLE   0 0 2,034
COMPANHIA DE SANEAMENTO BASI ADR 20441A102   248 14,686 SH   SOLE   0 0 14,686
VALERO ENERGY CORP COM 91913Y100   245 1,435 SH   SOLE   0 0 1,435
SUN LIFE FINANCIAL INC. FGC 866796105   245 4,474 SH   SOLE   0 0 4,474
UNITED PARCEL SERVICE INC COM 911312106   240 1,614 SH   SOLE   0 0 1,614
TEXAS INSTRS INC COM 882508104   227 1,298 SH   SOLE   0 0 1,298
SPDR GOLD TR UIE 78463V107   225 1,089 SH   SOLE   0 0 1,089
PACKAGING CORP AMER COM 695156109   224 1,176 SH   SOLE   0 0 1,176
PHILIP MORRIS INTL INC COM 718172109   223 2,427 SH   SOLE   0 0 2,427
SILICON MOTION TECHNOLOGY CO ADR 82706C108   220 2,857 SH   SOLE   0 0 2,857
DANAHER CORPORATION COM 235851102   220 879 SH   SOLE   0 0 879
LIBERTY MEDIA CORP DEL COM 531229789   212 7,124 SH   SOLE   0 0 7,124
MAGNA INTL INC FGC 559222401   208 3,800 SH   SOLE   0 0 3,800