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
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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   769,932 22,447 SH   SOLE   22,447 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   439,707 1,141 SH   SOLE   1,141 0 0
ALBEMARLE CORP COM 012653101   326,697 1,478 SH   SOLE   1,478 0 0
ALPHABET INC CAP STK CL C 02079K107   239,200 2,300 SH   SOLE   2,300 0 0
ALPHABET INC CAP STK CL A 02079K305   496,659 4,788 SH   SOLE   4,788 0 0
AMAZON COM INC COM 023135106   575,015 5,567 SH   SOLE   5,567 0 0
AMERICAN EXPRESS CO COM 025816109   204,538 1,240 SH   SOLE   1,240 0 0
AMERICAN TOWER CORP NEW COM 03027X100   380,072 1,860 SH   SOLE   1,860 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   384,390 2,624 SH   SOLE   2,624 0 0
AMGEN INC COM 031162100   391,152 1,618 SH   SOLE   1,618 0 0
APPLE INC COM 037833100   1,921,745 11,654 SH   SOLE   11,654 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   737,890 1,084 SH   SOLE   1,084 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   213,051 690 SH   SOLE   690 0 0
BLACKROCK INC COM 09247X101   328,538 491 SH   SOLE   491 0 0
BLACKSTONE INC COM 09260D107   380,786 4,335 SH   SOLE   4,335 0 0
BRINKS CO COM 109696104   605,074 9,058 SH   SOLE   9,058 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   444,278 9,711 SH   SOLE   9,711 0 0
CDW CORP COM 12514G108   224,318 1,151 SH   SOLE   1,151 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   558,374 4,068 SH   SOLE   4,068 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   731,424 4,037 SH   SOLE   4,037 0 0
DISNEY WALT CO COM 254687106   392,409 3,919 SH   SOLE   3,919 0 0
EMERSON ELEC CO COM 291011104   405,898 4,658 SH   SOLE   4,658 0 0
ENPHASE ENERGY INC COM 29355A107   402,686 1,915 SH   SOLE   1,915 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   754,381 7,925 SH   SOLE   7,925 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   90,650,734 905,240 SH   SOLE   905,240 0 0
HDFC BANK LTD SPONSORED ADS 40415F101   731,570 10,973 SH   SOLE   10,973 0 0
HERSHEY CO COM 427866108   469,641 1,846 SH   SOLE   1,846 0 0
HOME DEPOT INC COM 437076102   237,572 805 SH   SOLE   805 0 0
ILLUMINA INC COM 452327109   449,984 1,935 SH   SOLE   1,935 0 0
ING GROEP N.V. SPONSORED ADR 456837103   926,762 78,076 SH   SOLE   78,076 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   440,941 1,726 SH   SOLE   1,726 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   680,589 32,286 SH   SOLE   32,286 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   679,058 32,980 SH   SOLE   32,980 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,316,549 26,984 SH   SOLE   26,984 0 0
ISHARES TR IBONDS DEC 26 46435U259   1,083,723 42,449 SH   SOLE   42,449 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   992,794 41,679 PRN   SOLE   41,679 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   994,518 40,444 PRN   SOLE   40,444 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   991,012 41,762 PRN   SOLE   41,762 0 0
ISHARES TR IBONDS DEC2023 46435G318   1,397,735 54,964 SH   SOLE   54,964 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   989,221 40,327 PRN   SOLE   40,327 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,002,738 39,807 PRN   SOLE   39,807 0 0
ISHARES TR IBONDS DEC 27 46435U283   814,287 31,983 SH   SOLE   31,983 0 0
ISHARES TR IBONDS DEC 46435U697   845,225 32,672 SH   SOLE   32,672 0 0
ISHARES TR IBONDS DEC 25 46435U432   1,072,835 40,317 SH   SOLE   40,317 0 0
JOHNSON & JOHNSON COM 478160104   571,516 3,687 SH   SOLE   3,687 0 0
JOHNSON CTLS INTL PLC SHS G51502105   404,076 6,710 SH   SOLE   6,710 0 0
JPMORGAN CHASE & CO COM 46625H100   413,213 3,171 SH   SOLE   3,171 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   797,858 43,480 SH   SOLE   43,480 0 0
LULULEMON ATHLETICA INC COM 550021109   824,890 2,265 SH   SOLE   2,265 0 0
MERCK & CO INC COM 58933Y105   301,296 2,832 SH   SOLE   2,832 0 0
MICROSOFT CORP COM 594918104   614,079 2,130 SH   SOLE   2,130 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   350,710 5,773 SH   SOLE   5,773 0 0
NIKE INC CL B 654106103   413,542 3,372 SH   SOLE   3,372 0 0
NOVARTIS AG SPONSORED ADR 66987V109   718,796 7,813 SH   SOLE   7,813 0 0
NVIDIA CORPORATION COM 67066G104   580,262 2,089 SH   SOLE   2,089 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   295,849 868 SH   SOLE   868 0 0
PEPSICO INC COM 713448108   537,785 2,950 SH   SOLE   2,950 0 0
PROCTER AND GAMBLE CO COM 742718109   571,090 3,841 SH   SOLE   3,841 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   488,181 4,985 SH   SOLE   4,985 0 0
RIO TINTO PLC SPONSORED ADR 767204100   709,736 10,346 SH   SOLE   10,346 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203   750,360 7,958 SH   SOLE   7,958 0 0
SAP SE SPON ADR 803054204   764,868 6,044 SH   SOLE   6,044 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,056,548 231,510 SH   SOLE   231,510 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,808,828 56,136 SH   SOLE   56,136 0 0
SOLAREDGE TECHNOLOGIES INC COM 83417M104   743,158 2,445 SH   SOLE   2,445 0 0
SOUTHERN COPPER CORP COM 84265V105   425,628 5,582 SH   SOLE   5,582 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102   833,374 15,580 SH   SOLE   15,580 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   804,995 8,654 SH   SOLE   8,654 0 0
TECK RESOURCES LTD CL B 878742204   707,918 19,395 SH   SOLE   19,395 0 0
TELEDYNE TECHNOLOGIES INC COM 879360105   207,575 464 SH   SOLE   464 0 0
TESLA INC COM 88160R101   500,601 2,413 SH   SOLE   2,413 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   200,000 347 SH   SOLE   347 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   702,867 11,734 SH   SOLE   11,734 0 0
TYSON FOODS INC CL A 902494103   383,089 6,458 SH   SOLE   6,458 0 0
UNITEDHEALTH GROUP INC COM 91324P102   724,480 1,533 SH   SOLE   1,533 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,746,379 12,621 SH   SOLE   12,621 0 0
VISA INC COM CL A 92826C839   223,882 993 SH   SOLE   993 0 0