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 COMPANY COM COM 88579Y101 936 5,267 SH   SOLE 0 0 0 5,267
ABB LTD ADR SPONSORED ADR SPONSORED 000375204 690 18,075 SH   SOLE 0 0 0 18,075
ACCENTURE PLC COM COM G1151C101 3,353 8,088 SH   SOLE 0 0 0 8,088
ACTIVISION BLIZZARD INC COM COM 00507V109 663 9,961 SH   SOLE 0 0 0 9,961
AFLAC INC COM COM 001055102 922 15,783 SH   SOLE 0 0 0 15,783
AGILENT TECHNOLOGIES INC COM COM 00846U101 667 4,181 SH   SOLE 0 0 0 4,181
AKZO NOBEL NV ADR SPONSORED ADR SPONSORED 010199503 225 6,133 SH   SOLE 0 0 0 6,133
ALCON AG COM COM H01301128 281 3,225 SH   SOLE 0 0 0 3,225
ALLIANZ SE ADR UNSPONSORED ADR UNSPONSORED 018820100 376 15,929 SH   SOLE 0 0 0 15,929
ALPHABET INC COM CL A COM CL A 02079K305 8,958 3,092 SH   SOLE 0 0 0 3,092
ALPHABET INC COM CL C COM CL C 02079K107 14,856 5,134 SH   SOLE 0 0 0 5,134
AMAZON COM INC COM COM 023135106 1,881 564 SH   SOLE 0 0 0 564
AMBEV SA ADR SPONSORED ADR SPONSORED 02319V103 210 75,000 SH   SOLE 0 0 0 75,000
AMERICA MOVIL SAB DE CV ADR SPONSORED ADR SPONSORED 02364W105 277 13,099 SH   SOLE 0 0 0 13,099
AMERICAN TOWER CORP COM USD0.01 COM USD0.01 03027X100 355 1,212 SH   SOLE 0 0 0 1,212
AMGEN INC COM COM 031162100 2,065 9,181 SH   SOLE 0 0 0 9,181
ANTHEM INC COM COM 036752103 2,794 6,028 SH   SOLE 0 0 0 6,028
AON PLC (IE) COM CL A COM CL A G0403H108 514 1,711 SH   SOLE 0 0 0 1,711
APPLE INC COM COM 037833100 20,072 113,035 SH   SOLE 0 0 0 113,035
APTIV PLC COM COM G6095L109 842 5,103 SH   SOLE 0 0 0 5,103
ARCHER-DANIELS-MIDLAND CO COM COM 039483102 1,892 27,995 SH   SOLE 0 0 0 27,995
ASML HOLDING NV ADR SPONSORED ADR SPONSORED N07059210 1,614 2,027 SH   SOLE 0 0 0 2,027
ASTRAZENECA ADR SPONSORED ADR SPONSORED 046353108 986 16,930 SH   SOLE 0 0 0 16,930
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,291 5,235 SH   SOLE 0 0 0 5,235
AUTOZONE INC COM COM 053332102 258 123 SH   SOLE 0 0 0 123
BASF SE ADR SPONSORED ADR SPONSORED 055262505 505 28,800 SH   SOLE 0 0 0 28,800
BERKSHIRE HATHAWAY INC COM CL A COM CL A 084670108 901 2 SH   SOLE 0 0 0 2
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702 2,188 7,317 SH   SOLE 0 0 0 7,317
BRIDGESTONE CORP ADR UNSPONSORED ADR UNSPONSORED 108441205 661 30,800 SH   SOLE 0 0 0 30,800
BRITISH AMERICAN TOBACCO ADR SPONSORED ADR SPONSORED 110448107 408 10,906 SH   SOLE 0 0 0 10,906
BROADCOM INC COM COM 11135F101 538 808 SH   SOLE 0 0 0 808
BROOKFIELD ASSET MGMT INC COM CL A COM CL A 112585104 1,495 24,758 SH   SOLE 0 0 0 24,758
CANADIAN NATIONAL RAILWAYS CO COM COM 136375102 2,123 17,282 SH   SOLE 0 0 0 17,282
CAPITAL ONE FINANCIAL CORP COM COM 14040H105 426 2,939 SH   SOLE 0 0 0 2,939
CATERPILLAR INC COM COM 149123101 1,276 6,170 SH   SOLE 0 0 0 6,170
CENTRAIS ELETRICAS BRASILEIRAS ADR SPONSORED ADR SPONSORED 15234Q207 496 81,412 SH   SOLE 0 0 0 81,412
CGI INC COM CL A COM CL A 12532H104 2,573 29,074 SH   SOLE 0 0 0 29,074
CHUBB LIMITED COM COM H1467J104 1,075 5,562 SH   SOLE 0 0 0 5,562
CHUNGHWA TELECOM ADR SPONSORED ADR SPONSORED 17133Q502 399 9,459 SH   SOLE 0 0 0 9,459
CIGNA CORPORATION COM COM 125523100 2,877 12,531 SH   SOLE 0 0 0 12,531
CISCO SYSTEMS INC COM COM 17275R102 2,073 32,718 SH   SOLE 0 0 0 32,718
CME GROUP INC COM COM 12572Q105 1,961 8,583 SH   SOLE 0 0 0 8,583
COCA-COLA CO COM COM 191216100 738 12,468 SH   SOLE 0 0 0 12,468
COCA-COLA FEMSA S.A.B. DE C.V. ADR SPONSORED ADR SPONSORED 191241108 622 11,355 SH   SOLE 0 0 0 11,355
COMCAST CORP COM CL A COM CL A 20030N101 2,746 54,554 SH   SOLE 0 0 0 54,554
COSTCO WHOLESALE CORP COM COM 22160K105 1,189 2,094 SH   SOLE 0 0 0 2,094
CRH ADR SPONSORED ADR SPONSORED 12626K203 216 4,084 SH   SOLE 0 0 0 4,084
CVS HEALTH CORPORATION COM COM 126650100 1,155 11,194 SH   SOLE 0 0 0 11,194
DANAHER CORP COM COM 235851102 272 827 SH   SOLE 0 0 0 827
DIAGEO ADR SPONSORED ADR SPONSORED 25243Q205 604 2,745 SH   SOLE 0 0 0 2,745
DR HORTON INC COM COM 23331A109 498 4,595 SH   SOLE 0 0 0 4,595
EBAY INC COM COM 278642103 1,278 19,220 SH   SOLE 0 0 0 19,220
EMERSON ELECTRIC CO COM COM 291011104 466 5,008 SH   SOLE 0 0 0 5,008
EQUITY RESIDENTIAL SBI USD0.01 SBI USD0.01 29476L107 901 9,952 SH   SOLE 0 0 0 9,952
ERICSSON ADR SPONSORED ADR SPONSORED 294821608 310 28,544 SH   SOLE 0 0 0 28,544
ESTEE LAUDER COMPANIES INC COM CL A COM CL A 518439104 5,426 14,657 SH   SOLE 0 0 0 14,657
EURONAV COM COM B38564108 215 24,168 SH   SOLE 0 0 0 24,168
FASTLY INC COM CL A COM CL A 31188V100 355 10,019 SH   SOLE 0 0 0 10,019
FEDEX CORP COM COM 31428X106 1,615 6,246 SH   SOLE 0 0 0 6,246
FIDELITY NATIONAL INFORMATION COM COM 31620M106 257 2,357 SH   SOLE 0 0 0 2,357
FISERV INC COM COM 337738108 991 9,550 SH   SOLE 0 0 0 9,550
FRESENIUS MEDICAL CARE AG & CO ADR SPONSORED ADR SPONSORED 358029106 337 10,372 SH   SOLE 0 0 0 10,372
GENERAL DYNAMICS CORP COM COM 369550108 251 1,203 SH   SOLE 0 0 0 1,203
GENMAB AS ADR SPONSORED ADR SPONSORED 372303206 1,951 49,311 SH   SOLE 0 0 0 49,311
HOME DEPOT INC COM COM 437076102 7,007 16,883 SH   SOLE 0 0 0 16,883
IDEXX LABORATORIES INC COM COM 45168D104 240 364 SH   SOLE 0 0 0 364
ILLINOIS TOOL WORKS INC COM COM 452308109 1,055 4,275 SH   SOLE 0 0 0 4,275
IMPERIAL OIL COM COM 453038408 623 17,266 SH   SOLE 0 0 0 17,266
INFOSYS LTD ADR SPONSORED ADR SPONSORED 456788108 927 36,621 SH   SOLE 0 0 0 36,621
INTEL CORP COM COM 458140100 1,533 29,761 SH   SOLE 0 0 0 29,761
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104 1,653 12,085 SH   SOLE 0 0 0 12,085
INTERNATIONAL BUS MACH CORP COM COM 459200101 373 2,792 SH   SOLE 0 0 0 2,792
INVESCO DB MULTI-SECTOR COMM T PRECIOUS METAL ETF PRECIOUS METAL ETF 46140H502 250 5,109 SH   SOLE 0 0 0 5,109
INVESCO EXCHANGE TRADED FD TR S&P SML600 VAL ETF S&P SML600 VAL ETF 46137V167 866 9,003 SH   SOLE 0 0 0 9,003
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357 4,280 26,301 SH   SOLE 0 0 0 26,301
ISHARES INC MSCI EMERGING MARKETS MIN V MSCI EMERGING MARKETS MIN V 464286533 13,835 220,238 SH   SOLE 0 0 0 220,238
ISHARES INC MSCI GBL MIN VOL ETF MSCI GBL MIN VOL ETF 464286525 1,119 10,330 SH   SOLE 0 0 0 10,330
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457 643 7,512 SH   SOLE 0 0 0 7,512
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 12,395 404,925 SH   SOLE 0 0 0 404,925
ISHARES TRUST INTL DEVPPTY ETF INTL DEVPPTY ETF 464288422 802 21,514 SH   SOLE 0 0 0 21,514
ISHARES TRUST MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VOL FACTOR ETF 46429B689 13,130 171,031 SH   SOLE 0 0 0 171,031
ISHARES TRUST MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL FACTOR ETF 46429B697 14,788 182,798 SH   SOLE 0 0 0 182,798
ISHARES TRUST SP SMCP600VL ETF SP SMCP600VL ETF 464287879 348 3,334 SH   SOLE 0 0 0 3,334
JOHNSON CONTROLS INTL PLC COM COM G51502105 1,025 12,603 SH   SOLE 0 0 0 12,603
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103 351 1,700 SH   SOLE 0 0 0 1,700
KIMBERLY CLARK CORP COM COM 494368103 646 4,520 SH   SOLE 0 0 0 4,520
KOMATSU ADR SPONSORED ADR SPONSORED 500458401 411 17,600 SH   SOLE 0 0 0 17,600
KUBOTA CORP ADR SPONSORED ADR SPONSORED 501173207 290 2,600 SH   SOLE 0 0 0 2,600
LAM RESEARCH CORP COM COM 512807108 233 324 SH   SOLE 0 0 0 324
LIBERTY BROADBAND CORP COM COM 530307305 305 1,893 SH   SOLE 0 0 0 1,893
LIBERTY MEDIA CORPORATION COM COM 531229607 371 7,300 SH   SOLE 0 0 0 7,300
LOCKHEED MARTIN CORP COM COM 539830109 983 2,766 SH   SOLE 0 0 0 2,766
LVMH MOET HENNESSY VUITTON SE ADR UNSPONSORED ADR UNSPONSORED 502441306 2,449 14,800 SH   SOLE 0 0 0 14,800
LYONDELLBASELL INDUSTRIES N V COM COM N53745100 1,259 13,654 SH   SOLE 0 0 0 13,654
MAGNA INTERNATIONAL INC COM COM 559222401 308 3,800 SH   SOLE 0 0 0 3,800
MARSH & MCLENNAN COMPANIES INC COM COM 571748102 1,033 5,944 SH   SOLE 0 0 0 5,944
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104 1,859 5,173 SH   SOLE 0 0 0 5,173
MCDONALD'S CORPORATION COM COM 580135101 2,799 10,442 SH   SOLE 0 0 0 10,442
MCKESSON CORPORATION COM COM 58155Q103 1,238 4,982 SH   SOLE 0 0 0 4,982
MERCK & CO INC COM COM 58933Y105 388 5,060 SH   SOLE 0 0 0 5,060
META PLATFORMS INC COM CL A COM CL A 30303M102 1,082 3,216 SH   SOLE 0 0 0 3,216
MICRON TECHNOLOGY INC COM COM 595112103 1,481 15,900 SH   SOLE 0 0 0 15,900
MICROSOFT CORP COM COM 594918104 8,948 26,606 SH   SOLE 0 0 0 26,606
MONDELEZ INTL INC COM CL A COM CL A 609207105 1,012 15,268 SH   SOLE 0 0 0 15,268
MOTOROLA SOLUTIONS INC COM COM 620076307 1,323 4,869 SH   SOLE 0 0 0 4,869
MOWI ASA ADR SPONSORED ADR SPONSORED 624678108 358 15,099 SH   SOLE 0 0 0 15,099
MR COOPER GROUP INC COM COM 62482R107 326 7,832 SH   SOLE 0 0 0 7,832
NATIONAL GRID ADR SPONSORED ADR SPONSORED 636274409 504 6,968 SH   SOLE 0 0 0 6,968
NETEASE INC ADR SPONSORED ADR SPONSORED 64110W102 240 2,355 SH   SOLE 0 0 0 2,355
NICE LTD ADR SPONSORED ADR SPONSORED 653656108 2,391 7,877 SH   SOLE 0 0 0 7,877
NIDEC CORPORATION ADR SPONSORED ADR SPONSORED 654090109 442 14,964 SH   SOLE 0 0 0 14,964
NIKE INC COM CL B COM CL B 654106103 4,375 26,250 SH   SOLE 0 0 0 26,250
NIPPON TEL & TEL CORP ADR SPONSORED ADR SPONSORED 654624105 1,401 51,120 SH   SOLE 0 0 0 51,120
NORTHROP GRUMMAN CORP COM COM 666807102 1,187 3,067 SH   SOLE 0 0 0 3,067
NOVARTIS AG ADR SPONSORED ADR SPONSORED 66987V109 1,433 16,381 SH   SOLE 0 0 0 16,381
NOVO NORDISK A/S ADR SPONSORED ADR SPONSORED 670100205 4,773 42,616 SH   SOLE 0 0 0 42,616
OMNICOM GROUP INC COM COM 681919106 304 4,151 SH   SOLE 0 0 0 4,151
ORACLE CORP COM COM 68389X105 359 4,113 SH   SOLE 0 0 0 4,113
ORIX CORPORATION ADR SPONSORED ADR SPONSORED 686330101 690 6,780 SH   SOLE 0 0 0 6,780
PACCAR INC COM COM 693718108 1,296 14,680 SH   SOLE 0 0 0 14,680
PAYPAL HOLDINGS INC COM COM 70450Y103 3,569 18,924 SH   SOLE 0 0 0 18,924
PEPSICO INC COM COM 713448108 936 5,391 SH   SOLE 0 0 0 5,391
PHILIP MORRIS INTL INC COM COM 718172109 231 2,431 SH   SOLE 0 0 0 2,431
PNC FINANCIAL SERVICES GROUP COM COM 693475105 1,655 8,255 SH   SOLE 0 0 0 8,255
PROCTER & GAMBLE CO COM COM 742718109 1,177 7,194 SH   SOLE 0 0 0 7,194
PUBLIC STORAGE COM USD0.10 COM USD0.10 74460D109 363 969 SH   SOLE 0 0 0 969
RAYTHEON TECH CORP COM COM 75513E101 1,256 14,597 SH   SOLE 0 0 0 14,597
RELX PLC ADR SPONSORED ADR SPONSORED 759530108 2,271 69,644 SH   SOLE 0 0 0 69,644
REPUBLIC SERVICES INC COM COM 760759100 727 5,215 SH   SOLE 0 0 0 5,215
RIO TINTO ADR SPONSORED ADR SPONSORED 767204100 221 3,308 SH   SOLE 0 0 0 3,308
RITCHIE BROS AUCTIONEERS COM COM 767744105 300 4,900 SH   SOLE 0 0 0 4,900
ROGERS COMMUNICATIONS INC COM CL B COM CL B 775109200 1,499 31,477 SH   SOLE 0 0 0 31,477
ROYAL DUTCH SHELL ADR SPONSORED ADR SPONSORED 780259206 301 6,945 SH   SOLE 0 0 0 6,945
SANOFI ADR SPONSORED ADR SPONSORED 80105N105 643 12,842 SH   SOLE 0 0 0 12,842
SAP SE ADR SPONSORED ADR SPONSORED 803054204 1,164 8,307 SH   SOLE 0 0 0 8,307
SCHWAB (CHARLES) CORP COM COM 808513105 382 4,541 SH   SOLE 0 0 0 4,541
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771 265 4,520 SH   SOLE 0 0 0 4,520
SEMPRA COM COM 816851109 867 6,554 SH   SOLE 0 0 0 6,554
SIRIUS XM HOLDINGS INC COM COM 82968B103 572 90,157 SH   SOLE 0 0 0 90,157
SOCIEDAD QUIMICA Y MINERA DE C ADR SPONSORED ADR SPONSORED 833635105 675 13,385 SH   SOLE 0 0 0 13,385
SOUTHERN COPPER CORPORATION COM COM 84265V105 1,718 27,846 SH   SOLE 0 0 0 27,846
SPDR INDEX SHARES FUNDS DJ GLB RL ES ETF DJ GLB RL ES ETF 78463X749 1,314 23,237 SH   SOLE 0 0 0 23,237
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103 452 952 SH   SOLE 0 0 0 952
SYSCO CORP COM COM 871829107 364 4,638 SH   SOLE 0 0 0 4,638
TAIWAN SEMICONDUCTOR MANUFACTU ADR SPONSORED ADR SPONSORED 874039100 4,236 35,213 SH   SOLE 0 0 0 35,213
TARGET CORP COM COM 87612E106 1,240 5,357 SH   SOLE 0 0 0 5,357
TC ENERGY CORPORATION COM COM 87807B107 1,686 36,227 SH   SOLE 0 0 0 36,227
TE CONNECTIVITY LTD COM COM H84989104 355 2,200 SH   SOLE 0 0 0 2,200
TEXAS INSTRUMENTS INC COM COM 882508104 237 1,256 SH   SOLE 0 0 0 1,256
THERMO FISHER SCIENTIFIC INC COM COM 883556102 400 599 SH   SOLE 0 0 0 599
THOMSON-REUTERS CORP COM COM 884903709 890 7,441 SH   SOLE 0 0 0 7,441
TJX COS INC COM COM 872540109 1,776 23,393 SH   SOLE 0 0 0 23,393
TOYOTA MOTOR CORP ADR UNSPONSORED ADR UNSPONSORED 892331307 1,682 9,076 SH   SOLE 0 0 0 9,076
UNILEVER PLC ADR SPONSORED ADR SPONSORED 904767704 1,732 32,198 SH   SOLE 0 0 0 32,198
UNION PACIFIC CORP COM COM 907818108 1,098 4,358 SH   SOLE 0 0 0 4,358
UNITED PARCEL SERVICE INC COM CL B COM CL B 911312106 406 1,892 SH   SOLE 0 0 0 1,892
UNITEDHEALTH GROUP INC COM COM 91324P102 7,699 15,332 SH   SOLE 0 0 0 15,332
VANGUARD DIV APP ETF DIV APP ETF 921908844 533 3,102 SH   SOLE 0 0 0 3,102
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 2,409 20,762 SH   SOLE 0 0 0 20,762
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363 354 811 SH   SOLE 0 0 0 811
VERIZON COMMUNICATIONS COM COM 92343V104 626 12,055 SH   SOLE 0 0 0 12,055
VISA INC COM CL A COM CL A 92826C839 5,170 23,855 SH   SOLE 0 0 0 23,855
WAL-MART DE MEXICO SAB DE CV ADR SPONSORED ADR SPONSORED 93114W107 224 6,000 SH   SOLE 0 0 0 6,000
WALMART INC COM COM 931142103 2,160 14,927 SH   SOLE 0 0 0 14,927
WALT DISNEY COMPANY (THE) COM COM 254687106 1,924 12,420 SH   SOLE 0 0 0 12,420
WASTE MANAGEMENT INC COM COM 94106L109 545 3,267 SH   SOLE 0 0 0 3,267
WIPRO ADR SPONSORED ADR SPONSORED 97651M109 1,142 117,047 SH   SOLE 0 0 0 117,047
WISDOMTREE TRUST EMG MKTS SMCAP ETF EMG MKTS SMCAP ETF 97717W281 589 11,122 SH   SOLE 0 0 0 11,122
WISDOMTREE TRUST GLB EX US RL EST ETF GLB EX US RL EST ETF 97717W331 322 13,212 SH   SOLE 0 0 0 13,212
WISDOMTREE TRUST INTL SMCAP DIV ETF INTL SMCAP DIV ETF 97717W760 600 8,142 SH   SOLE 0 0 0 8,142
ZYNGA INC COM CL A COM CL A 98986T108 1,192 186,228 SH   SOLE 0 0 0 186,228