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
ABB LTD SPONSORED ADR 000375204   801 18,073 SH   SOLE   0 0 18,073
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,838 8,088 SH   SOLE   0 0 8,088
AFLAC INC COM 001055102   1,148 13,920 SH   SOLE   0 0 13,920
AGILENT TECHNOLOGIES INC COM 00846U101   473 3,400 SH   SOLE   0 0 3,400
ALCON AG ORD SHS H01301128   391 5,005 SH   SOLE   0 0 5,005
ALPHABET INC CAP STK CL C 02079K107   14,069 99,831 SH   SOLE   0 0 99,831
ALPHABET INC CAP STK CL A 02079K305   8,630 61,780 SH   SOLE   0 0 61,780
AMAZON COM INC COM 023135106   1,714 11,280 SH   SOLE   0 0 11,280
AMBEV SA SPONSORED ADR 02319V103   210 75,000 SH   SOLE   0 0 75,000
AMCOR PLC ORD G0250X107   501 51,963 SH   SOLE   0 0 51,963
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   403 21,735 SH   SOLE   0 0 21,735
AMGEN INC COM 031162100   2,642 9,173 SH   SOLE   0 0 9,173
AON PLC SHS CL A G0403H108   498 1,711 SH   SOLE   0 0 1,711
APPLE INC COM 037833100   21,289 110,574 SH   SOLE   0 0 110,574
APTIV PLC SHS G6095L109   458 5,103 SH   SOLE   0 0 5,103
ARCHER DANIELS MIDLAND CO COM 039483102   1,899 26,293 SH   SOLE   0 0 26,293
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,440 1,903 SH   SOLE   0 0 1,903
ASTRAZENECA PLC SPONSORED ADR 046353108   1,140 16,930 SH   SOLE   0 0 16,930
AUTOMATIC DATA PROCESSING IN COM 053015103   1,219 5,232 SH   SOLE   0 0 5,232
AUTOZONE INC COM 053332102   282 109 SH   SOLE   0 0 109
BAIDU INC SPON ADR REP A 056752108   210 1,761 SH   SOLE   0 0 1,761
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,544 7,132 SH   SOLE   0 0 7,132
BIONTECH SE SPONSORED ADS 09075V102   252 2,391 SH   SOLE   0 0 2,391
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   203 6,915 SH   SOLE   0 0 6,915
BROADCOM INC COM 11135F101   839 752 SH   SOLE   0 0 752
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   237 5,889 SH   SOLE   0 0 5,889
BROOKFIELD CORP CL A LTD VT SH 11271J107   946 23,569 SH   SOLE   0 0 23,569
CANADIAN NATL RY CO COM 136375102   2,148 17,094 SH   SOLE   0 0 17,094
CAPITAL ONE FINL CORP COM 14040H105   385 2,939 SH   SOLE   0 0 2,939
CARDINAL HEALTH INC COM 14149Y108   373 3,700 SH   SOLE   0 0 3,700
CATERPILLAR INC COM 149123101   590 1,996 SH   SOLE   0 0 1,996
CENTRAIS ELETRICAS BRASILEIR SPONSORED ADR 15234Q207   628 72,834 SH   SOLE   0 0 72,834
CGI INC CL A SUB VTG 12532H104   3,162 29,491 SH   SOLE   0 0 29,491
CHECK POINT SOFTWARE TECH LT ORD M22465104   589 3,853 SH   SOLE   0 0 3,853
CHUBB LIMITED COM H1467J104   1,570 6,949 SH   SOLE   0 0 6,949
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   370 9,459 SH   SOLE   0 0 9,459
CISCO SYS INC COM 17275R102   1,629 32,236 SH   SOLE   0 0 32,236
CME GROUP INC COM 12572Q105   1,602 7,607 SH   SOLE   0 0 7,607
COCA COLA CO COM 191216100   754 12,791 SH   SOLE   0 0 12,791
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   1,086 11,478 SH   SOLE   0 0 11,478
COMCAST CORP NEW CL A 20030N101   2,340 53,355 SH   SOLE   0 0 53,355
COMPANHIA DE SANEAMENTO BASI SPONSORED ADR 20441A102   224 14,686 SH   SOLE   0 0 14,686
COSTCO WHSL CORP NEW COM 22160K105   1,223 1,853 SH   SOLE   0 0 1,853
CVS HEALTH CORP COM 126650100   861 10,899 SH   SOLE   0 0 10,899
D R HORTON INC COM 23331A109   698 4,595 SH   SOLE   0 0 4,595
DANAHER CORPORATION COM 235851102   200 865 SH   SOLE   0 0 865
DIAGEO PLC SPON ADR NEW 25243Q205   361 2,481 SH   SOLE   0 0 2,481
DISNEY WALT CO COM 254687106   1,083 11,997 SH   SOLE   0 0 11,997
DR REDDYS LABS LTD ADR 256135203   411 5,904 SH   SOLE   0 0 5,904
EBAY INC. COM 278642103   838 19,220 SH   SOLE   0 0 19,220
ELEVANCE HEALTH INC COM 036752103   2,849 6,042 SH   SOLE   0 0 6,042
EMERSON ELEC CO COM 291011104   487 5,008 SH   SOLE   0 0 5,008
EURONAV NV SHS B38564108   638 36,254 SH   SOLE   0 0 36,254
EXPEDITORS INTL WASH INC COM 302130109   259 2,034 SH   SOLE   0 0 2,034
FEDEX CORP COM 31428X106   1,580 6,246 SH   SOLE   0 0 6,246
FERRARI N V COM N3167Y103   1,842 5,443 SH   SOLE   0 0 5,443
FISERV INC COM 337738108   1,251 9,418 SH   SOLE   0 0 9,418
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   272 2,088 SH   SOLE   0 0 2,088
GARMIN LTD SHS H2906T109   312 2,428 SH   SOLE   0 0 2,428
GENERAL DYNAMICS CORP COM 369550108   312 1,203 SH   SOLE   0 0 1,203
GOLD FIELDS LTD SPONSORED ADR 38059T106   252 17,427 SH   SOLE   0 0 17,427
HALEON PLC SPON ADS 405552100   358 43,449 SH   SOLE   0 0 43,449
HOLLYSYS AUTOMATION TCHNGY L SHS G45667105   259 9,819 SH   SOLE   0 0 9,819
HOME DEPOT INC COM 437076102   5,835 16,837 SH   SOLE   0 0 16,837
HONDA MOTOR LTD AMERN SHS 438128308   1,003 32,433 SH   SOLE   0 0 32,433
HSBC HLDGS PLC SPON ADR NEW 404280406   250 6,158 SH   SOLE   0 0 6,158
IDEXX LABS INC COM 45168D104   202 364 SH   SOLE   0 0 364
ILLINOIS TOOL WKS INC COM 452308109   1,118 4,267 SH   SOLE   0 0 4,267
IMPERIAL OIL LTD COM NEW 453038408   987 17,266 SH   SOLE   0 0 17,266
INFOSYS LTD SPONSORED ADR 456788108   643 34,959 SH   SOLE   0 0 34,959
INTEL CORP COM 458140100   1,114 22,179 SH   SOLE   0 0 22,179
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,552 12,085 SH   SOLE   0 0 12,085
INTERNATIONAL BUSINESS MACHS COM 459200101   504 3,082 SH   SOLE   0 0 3,082
INVESCO DB MULTI-SECTOR COMM PRECIOUS METAL 46140H502   250 5,000 SH   SOLE   0 0 5,000
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,105 26,011 SH   SOLE   0 0 26,011
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167   932 8,686 SH   SOLE   0 0 8,686
ISHARES INC MSCI EMERG MRKT 464286533   13,558 243,885 SH   SOLE   0 0 243,885
ISHARES INC MSCI GBL MIN VOL 464286525   1,444 14,390 SH   SOLE   0 0 14,390
ISHARES TR MSCI USA MIN VOL 46429B697   14,793 189,578 SH   SOLE   0 0 189,578
ISHARES TR MSCI EAFE MIN VL 46429B689   13,037 188,022 SH   SOLE   0 0 188,022
ISHARES TR GLOBAL REIT ETF 46434V647   7,822 323,488 SH   SOLE   0 0 323,488
ISHARES TR INTL DEVPPTY ETF 464288422   613 21,384 SH   SOLE   0 0 21,384
ISHARES TR 1 3 YR TREAS BD 464287457   509 6,202 SH   SOLE   0 0 6,202
ISHARES TR SP SMCP600VL ETF 464287879   344 3,334 SH   SOLE   0 0 3,334
JOHNSON CTLS INTL PLC SHS G51502105   726 12,603 SH   SOLE   0 0 12,603
KEYSIGHT TECHNOLOGIES INC COM 49338L103   270 1,700 SH   SOLE   0 0 1,700
LAM RESEARCH CORP COM 512807108   254 324 SH   SOLE   0 0 324
LAUDER ESTEE COS INC CL A 518439104   2,054 14,046 SH   SOLE   0 0 14,046
LINDE PLC SHS G54950103   729 1,776 SH   SOLE   0 0 1,776
LOCKHEED MARTIN CORP COM 539830109   1,237 2,729 SH   SOLE   0 0 2,729
LOGITECH INTL S A SHS H50430232   666 7,004 SH   SOLE   0 0 7,004
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,298 13,654 SH   SOLE   0 0 13,654
MAGNA INTL INC COM 559222401   225 3,800 SH   SOLE   0 0 3,800
MARSH & MCLENNAN COS INC COM 571748102   1,083 5,716 SH   SOLE   0 0 5,716
MASTERCARD INCORPORATED CL A 57636Q104   2,202 5,162 SH   SOLE   0 0 5,162
MCDONALDS CORP COM 580135101   3,053 10,298 SH   SOLE   0 0 10,298
MCKESSON CORP COM 58155Q103   2,312 4,993 SH   SOLE   0 0 4,993
MERCK & CO INC COM 58933Y105   547 5,021 SH   SOLE   0 0 5,021
META PLATFORMS INC CL A 30303M102   375 1,059 SH   SOLE   0 0 1,059
MICRON TECHNOLOGY INC COM 595112103   1,357 15,900 SH   SOLE   0 0 15,900
MICROSOFT CORP COM 594918104   9,930 26,408 SH   SOLE   0 0 26,408
MONDELEZ INTL INC CL A 609207105   1,049 14,480 SH   SOLE   0 0 14,480
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,524 4,869 SH   SOLE   0 0 4,869
MR COOPER GROUP INC COM 62482R107   510 7,832 SH   SOLE   0 0 7,832
NATIONAL GRID PLC SPONSORED ADR NE 636274409   1,116 16,419 SH   SOLE   0 0 16,419
NETEASE INC SPONSORED ADS 64110W102   330 3,537 SH   SOLE   0 0 3,537
NIKE INC CL B 654106103   2,793 25,721 SH   SOLE   0 0 25,721
NORTHROP GRUMMAN CORP COM 666807102   1,436 3,067 SH   SOLE   0 0 3,067
NOVARTIS AG SPONSORED ADR 66987V109   1,623 16,077 SH   SOLE   0 0 16,077
NOVO-NORDISK A S ADR 670100205   8,951 86,528 SH   SOLE   0 0 86,528
NUTRIEN LTD COM 67077M108   265 4,698 SH   SOLE   0 0 4,698
OPEN TEXT CORP COM 683715106   311 7,405 SH   SOLE   0 0 7,405
ORACLE CORP COM 68389X105   434 4,113 SH   SOLE   0 0 4,113
OREILLY AUTOMOTIVE INC COM 67103H107   239 252 SH   SOLE   0 0 252
ORIX CORP SPONSORED ADR 686330101   586 6,279 SH   SOLE   0 0 6,279
PACCAR INC COM 693718108   1,849 18,934 SH   SOLE   0 0 18,934
PAYPAL HLDGS INC COM 70450Y103   1,162 18,920 SH   SOLE   0 0 18,920
PEARSON PLC SPONSORED ADR 705015105   356 28,941 SH   SOLE   0 0 28,941
PEPSICO INC COM 713448108   916 5,391 SH   SOLE   0 0 5,391
PHILIP MORRIS INTL INC COM 718172109   229 2,431 SH   SOLE   0 0 2,431
PNC FINL SVCS GROUP INC COM 693475105   1,278 8,255 SH   SOLE   0 0 8,255
PROCTER AND GAMBLE CO COM 742718109   1,021 6,964 SH   SOLE   0 0 6,964
PUBLIC STORAGE COM 74460D109   306 1,003 SH   SOLE   0 0 1,003
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,229 14,605 SH   SOLE   0 0 14,605
RB GLOBAL INC COM 74935Q107   1,421 21,244 SH   SOLE   0 0 21,244
RELX PLC SPONSORED ADR 759530108   3,001 75,679 SH   SOLE   0 0 75,679
REPUBLIC SVCS INC COM 760759100   860 5,215 SH   SOLE   0 0 5,215
RIO TINTO PLC SPONSORED ADR 767204100   322 4,330 SH   SOLE   0 0 4,330
ROGERS COMMUNICATIONS INC CL B 775109200   407 8,704 SH   SOLE   0 0 8,704
SAP SE SPON ADR 803054204   1,140 7,375 SH   SOLE   0 0 7,375
SCHWAB CHARLES CORP COM 808513105   310 4,510 SH   SOLE   0 0 4,510
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   280 4,520 SH   SOLE   0 0 4,520
SEMPRA COM 816851109   920 12,313 SH   SOLE   0 0 12,313
SHELL PLC SPON ADS 780259305   1,750 26,590 SH   SOLE   0 0 26,590
SIRIUS XM HOLDINGS INC COM 82968B103   463 84,683 SH   SOLE   0 0 84,683
SONY GROUP CORPORATION SPONSORED ADR 835699307   771 8,146 SH   SOLE   0 0 8,146
SOUTHERN COPPER CORP COM 84265V105   2,379 27,644 SH   SOLE   0 0 27,644
SPDR GOLD TR GOLD SHS 78463V107   208 1,089 SH   SOLE   0 0 1,089
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,016 23,237 SH   SOLE   0 0 23,237
SPDR S&P 500 ETF TR TR UNIT 78462F103   452 952 SH   SOLE   0 0 952
SUN LIFE FINANCIAL INC. COM 866796105   232 4,474 SH   SOLE   0 0 4,474
SYSCO CORP COM 871829107   337 4,607 SH   SOLE   0 0 4,607
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   3,667 35,260 SH   SOLE   0 0 35,260
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   1,217 7,560 SH   SOLE   0 0 7,560
TARGET CORP COM 87612E106   763 5,357 SH   SOLE   0 0 5,357
TE CONNECTIVITY LTD SHS H84989104   309 2,200 SH   SOLE   0 0 2,200
TELEFONICA S A SPONSORED ADR 879382208   458 117,548 SH   SOLE   0 0 117,548
TEXAS INSTRS INC COM 882508104   214 1,257 SH   SOLE   0 0 1,257
THE CIGNA GROUP COM 125523100   3,755 12,540 SH   SOLE   0 0 12,540
THERMO FISHER SCIENTIFIC INC COM 883556102   264 498 SH   SOLE   0 0 498
THOMSON REUTERS CORP. COM 884903808   1,034 7,074 SH   SOLE   0 0 7,074
TJX COS INC NEW COM 872540109   2,191 23,358 SH   SOLE   0 0 23,358
TOTALENERGIES SE SPONSORED ADS 89151E109   699 10,379 SH   SOLE   0 0 10,379
TOYOTA MOTOR CORP ADS 892331307   1,712 9,336 SH   SOLE   0 0 9,336
TRANSPORTADORA DE GAS SUR SPONSORED ADS B 893870204   1,025 67,925 SH   SOLE   0 0 67,925
TRIP COM GROUP LTD ADS 89677Q107   210 5,830 SH   SOLE   0 0 5,830
UNILEVER PLC SPON ADR NEW 904767704   1,560 32,174 SH   SOLE   0 0 32,174
UNION PAC CORP COM 907818108   972 3,959 SH   SOLE   0 0 3,959
UNITED PARCEL SERVICE INC CL B 911312106   254 1,614 SH   SOLE   0 0 1,614
UNITEDHEALTH GROUP INC COM 91324P102   7,994 15,185 SH   SOLE   0 0 15,185
VALE S A SPONSORED ADS 91912E105   510 32,173 SH   SOLE   0 0 32,173
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,375 15,564 SH   SOLE   0 0 15,564
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   354 811 SH   SOLE   0 0 811
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   529 3,102 SH   SOLE   0 0 3,102
VERIZON COMMUNICATIONS INC COM 92343V104   283 7,500 SH   SOLE   0 0 7,500
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A 92763W103   2,557 143,978 SH   SOLE   0 0 143,978
VISA INC COM CL A 92826C839   6,156 23,645 SH   SOLE   0 0 23,645
WALMART INC COM 931142103   2,308 14,642 SH   SOLE   0 0 14,642
WASTE MGMT INC DEL COM 94106L109   497 2,774 SH   SOLE   0 0 2,774
WHEATON PRECIOUS METALS CORP COM 962879102   207 4,201 SH   SOLE   0 0 4,201
WILLIS TOWERS WATSON PLC LTD SHS G96629103   539 2,235 SH   SOLE   0 0 2,235
WIPRO LTD SPON ADR 1 SH 97651M109   873 156,679 SH   SOLE   0 0 156,679
WISDOMTREE TR INTL SMCAP DIV 97717W760   510 7,995 SH   SOLE   0 0 7,995