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
ADVANCED MICRO DEVICES INC COM 007903107 294 2,691 SH   SOLE   0 0 2,691
AGNC INVT CORP COM 00123Q104 235 17,965 SH   SOLE   0 0 17,965
AIRBNB INC COM CL A 009066101 362 2,106 SH   SOLE   0 0 2,106
ALLY FINL INC COM 02005N100 325 7,469 SH   SOLE   0 0 7,469
ALPHABET INC CAP STK CL A 02079K305 573 206 SH   SOLE   0 0 206
ALPHABET INC CAP STK CL C 02079K107 1,670 598 SH   SOLE   0 0 598
AMAZON COM INC COM 023135106 942 289 SH   SOLE   0 0 289
AMN HEALTHCARE SVCS INC COM 001744101 246 2,360 SH   SOLE   0 0 2,360
APPLE INC COM 037833100 4,502 25,782 SH   SOLE   0 0 25,782
APPLIED MATLS INC COM 038222105 260 1,972 SH   SOLE   0 0 1,972
AT&T INC COM 00206R102 1,008 42,642 SH   SOLE   0 0 42,642
BRUNSWICK CORP COM 117043109 223 2,751 SH   SOLE   0 0 2,751
CALADRIUS BIOSCIENCES INC COM NEW 128058203 10 13,200 SH   SOLE   0 0 13,200
CAPITAL ONE FINL CORP COM 14040H105 251 1,911 SH   SOLE   0 0 1,911
CEMEX SAB DE CV SPON ADR NEW 151290889 679 128,387 SH   SOLE   0 0 128,387
CHEVRON CORP NEW COM 166764100 253 1,551 SH   SOLE   0 0 1,551
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 306 95,141 SH   SOLE   0 0 95,141
CITIGROUP INC COM NEW 172967424 538 10,082 SH   SOLE   0 0 10,082
CVS HEALTH CORP COM 126650100 1,561 15,422 SH   SOLE   0 0 15,422
DICKS SPORTING GOODS INC COM 253393102 231 2,311 SH   SOLE   0 0 2,311
DISNEY WALT CO COM 254687106 294 2,147 SH   SOLE   0 0 2,147
DURECT CORP COM 266605104 8 12,000 SH   SOLE   0 0 12,000
EAGLE MATLS INC COM 26969P108 239 1,860 SH   SOLE   0 0 1,860
ENVISTA HOLDINGS CORPORATION COM 29415F104 258 5,302 SH   SOLE   0 0 5,302
FAIR ISAAC CORP COM 303250104 231 495 SH   SOLE   0 0 495
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 254 5,203 SH   SOLE   0 0 5,203
FIRST BANCORP P R COM NEW 318672706 256 19,533 SH   SOLE   0 0 19,533
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 462 2,457 SH   SOLE   0 0 2,457
FORD MTR CO DEL COM 345370860 203 12,000 SH   SOLE   0 0 12,000
ING GROEP N.V. SPONSORED ADR 456837103 134 12,841 SH   SOLE   0 0 12,841
INGERSOLL RAND INC COM 45687V106 259 5,150 SH   SOLE   0 0 5,150
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 259 4,878 SH   SOLE   0 0 4,878
INVESCO QQQ TR UNIT SER 1 46090E103 5,846 16,125 SH   SOLE   0 0 16,125
ISHARES GOLD TR ISHARES NEW 464285204 458 12,444 SH   SOLE   0 0 12,444
ISHARES INC ESG AWR MSCI EM 46434G863 239 6,506 SH   SOLE   0 0 6,506
ISHARES INC CORE MSCI EMKT 46434G103 937 16,869 SH   SOLE   0 0 16,869
ISHARES TR U.S. UTILITS ETF 464287697 300 3,293 SH   SOLE   0 0 3,293
ISHARES TR EAFE GRWTH ETF 464288885 385 4,003 SH   SOLE   0 0 4,003
ISHARES TR BLACKROCK ULTRA 46434V878 435 8,667 SH   SOLE   0 0 8,667
ISHARES TR U.S. ENERGY ETF 464287796 458 11,195 SH   SOLE   0 0 11,195
ISHARES TR INTL SEL DIV ETF 464288448 463 14,584 SH   SOLE   0 0 14,584
ISHARES TR EAFE VALUE ETF 464288877 475 9,455 SH   SOLE   0 0 9,455
ISHARES TR US HLTHCARE ETF 464287762 477 1,653 SH   SOLE   0 0 1,653
ISHARES TR ISHS 1-5YR INVS 464288646 520 10,062 SH   SOLE   0 0 10,062
ISHARES TR GLOBAL FINLS ETF 464287333 600 7,546 SH   SOLE   0 0 7,546
ISHARES TR CORE MSCI EAFE 46432F842 609 8,763 SH   SOLE   0 0 8,763
ISHARES TR TIPS BD ETF 464287176 618 4,965 SH   SOLE   0 0 4,965
ISHARES TR MSCI USA VALUE 46432F388 637 6,090 SH   SOLE   0 0 6,090
ISHARES TR 10+ YR INVST GRD 464289511 683 11,125 SH   SOLE   0 0 11,125
ISHARES TR CYBERSECURITY 46435U135 890 20,842 SH   SOLE   0 0 20,842
ISHARES TR 0-5 YR TIPS ETF 46429B747 906 8,630 SH   SOLE   0 0 8,630
ISHARES TR MBS ETF 464288588 913 8,960 SH   SOLE   0 0 8,960
ISHARES TR USD INV GRDE ETF 464288620 951 17,274 SH   SOLE   0 0 17,274
ISHARES TR GL CLEAN ENE ETF 464288224 1,099 51,083 SH   SOLE   0 0 51,083
ISHARES TR SHORT TREAS BD 464288679 1,152 10,453 SH   SOLE   0 0 10,453
ISHARES TR JPMORGAN USD EMG 464288281 1,179 12,058 SH   SOLE   0 0 12,058
ISHARES TR 20 YR TR BD ETF 464287432 1,269 9,611 SH   SOLE   0 0 9,611
ISHARES TR CORE S&P TTL STK 464287150 1,308 12,963 SH   SOLE   0 0 12,963
ISHARES TR FALN ANGLS USD 46435G474 1,521 54,792 SH   SOLE   0 0 54,792
ISHARES TR MSCI USA MIN VOL 46429B697 1,626 20,966 SH   SOLE   0 0 20,966
ISHARES TR IBOXX INV CP ETF 464287242 2,066 17,081 SH   SOLE   0 0 17,081
ISHARES TR CORE TOTAL USD 46434V613 2,686 54,124 SH   SOLE   0 0 54,124
ISHARES TR CORE S&P500 ETF 464287200 3,107 6,848 SH   SOLE   0 0 6,848
ISHARES TR ESG AWR MSCI USA 46435G425 3,473 34,270 SH   SOLE   0 0 34,270
ISHARES TR 1 3 YR TREAS BD 464287457 4,473 53,664 SH   SOLE   0 0 53,664
ISHARES TR US TREAS BD ETF 46429B267 4,706 188,928 SH   SOLE   0 0 188,928
ISHARES TR CORE S&P SCP ETF 464287804 6,878 63,754 SH   SOLE   0 0 63,754
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 3,242 80,961 SH   SOLE   0 0 80,961
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 291 50,927 SH   SOLE   0 0 50,927
JEFFERIES FINL GROUP INC COM 47233W109 263 8,000 SH   SOLE   0 0 8,000
JUNIPER NETWORKS INC COM 48203R104 269 7,233 SH   SOLE   0 0 7,233
KLA CORP COM NEW 482480100 313 855 SH   SOLE   0 0 855
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 262 108,768 SH   SOLE   0 0 108,768
LOUISIANA PAC CORP COM 546347105 239 3,850 SH   SOLE   0 0 3,850
MACERICH CO COM 554382101 171 10,907 SH   SOLE   0 0 10,907
MASTERCARD INCORPORATED CL A 57636Q104 426 1,192 SH   SOLE   0 0 1,192
MERCK & CO INC COM 58933Y105 253 3,089 SH   SOLE   0 0 3,089
META PLATFORMS INC CL A 30303M102 674 3,031 SH   SOLE   0 0 3,031
MICROCHIP TECHNOLOGY INC. COM 595017104 268 3,570 SH   SOLE   0 0 3,570
MICROSOFT CORP COM 594918104 976 3,167 SH   SOLE   0 0 3,167
NEWMARK GROUP INC CL A 65158N102 234 14,685 SH   SOLE   0 0 14,685
NOKIA CORP SPONSORED ADR 654902204 279 51,151 SH   SOLE   0 0 51,151
NXP SEMICONDUCTORS N V COM N6596X109 253 1,369 SH   SOLE   0 0 1,369
OLIN CORP COM PAR $1 680665205 275 5,260 SH   SOLE   0 0 5,260
ON SEMICONDUCTOR CORP COM 682189105 297 4,741 SH   SOLE   0 0 4,741
PAYPAL HLDGS INC COM 70450Y103 234 2,022 SH   SOLE   0 0 2,022
PENSKE AUTOMOTIVE GRP INC COM 70959W103 225 2,398 SH   SOLE   0 0 2,398
PERFICIENT INC COM 71375U101 264 2,395 SH   SOLE   0 0 2,395
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,179 41,737 SH   SOLE   0 0 41,737
PROSHARES TR SHORT S&P 500 NE 74347B425 211 15,000 SH   SOLE   0 0 15,000
QUEST DIAGNOSTICS INC COM 74834L100 239 1,745 SH   SOLE   0 0 1,745
RAYTHEON TECHNOLOGIES CORP COM 75513E101 265 2,670 SH   SOLE   0 0 2,670
REDWOOD TR INC COM 758075402 236 22,392 SH   SOLE   0 0 22,392
REGAL REXNORD CORPORATION COM 758750103 233 1,569 SH   SOLE   0 0 1,569
SANDERSON FARMS INC COM 800013104 250 1,333 SH   SOLE   0 0 1,333
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 232 1,253 SH   SOLE   0 0 1,253
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 274 2,003 SH   SOLE   0 0 2,003
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,009 52,437 SH   SOLE   0 0 52,437
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,430 21,580 SH   SOLE   0 0 21,580
SILICON MOTION TECHNOLOGY CO SPONSORED ADR 82706C108 231 3,458 SH   SOLE   0 0 3,458
SLM CORP COM 78442P106 256 13,933 SH   SOLE   0 0 13,933
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 356 1,025 SH   SOLE   0 0 1,025
SPDR GOLD TR GOLD SHS 78463V107 539 2,983 SH   SOLE   0 0 2,983
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,102 20,154 SH   SOLE   0 0 20,154
SPDR SER TR BLOOMBERG HIGH Y 78468R622 2,613 25,497 SH   SOLE   0 0 25,497
SPINNAKER ETF SERIES CANNABIS ETF 84858T400 76 10,000 SH   SOLE   0 0 10,000
STEWART INFORMATION SVCS COR COM 860372101 225 3,709 SH   SOLE   0 0 3,709
STRYKER CORPORATION COM 863667101 257 961 SH   SOLE   0 0 961
TILRAY BRANDS INC COM CL 2 88688T100 93 11,918 SH   SOLE   0 0 11,918
TOUGHBUILT INDS INC COM NEW 89157G504 91 520,000 SH   SOLE   0 0 520,000
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,420 46,140 SH   SOLE   0 0 46,140
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 727 1,751 SH   SOLE   0 0 1,751
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,941 36,638 SH   SOLE   0 0 36,638
VISA INC COM CL A 92826C839 1,086 4,898 SH   SOLE   0 0 4,898
WABTEC COM 929740108 250 2,597 SH   SOLE   0 0 2,597
WELLS FARGO CO NEW COM 949746101 735 15,167 SH   SOLE   0 0 15,167
WHIRLPOOL CORP COM 963320106 211 1,219 SH   SOLE   0 0 1,219
WISDOMTREE TR US MULTIFACTOR 97717Y857 203 4,962 SH   SOLE   0 0 4,962
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 256 619 SH   SOLE   0 0 619