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
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,815,131 3,712 SH   SOLE   3,712 0 0
ALPHABET INC CAP STK CL A 02079K305   1,978,282 16,527 SH   SOLE   16,527 0 0
ALPHABET INC CAP STK CL C 02079K107   286,578 2,369 SH   SOLE   2,369 0 0
AMAZON COM INC COM 023135106   1,896,608 14,549 SH   SOLE   14,549 0 0
AMERICAN EXPRESS CO COM 025816109   216,008 1,240 SH   SOLE   1,240 0 0
AMERICAN TOWER CORP NEW COM 03027X100   935,373 4,823 SH   SOLE   4,823 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   1,396,952 9,786 SH   SOLE   9,786 0 0
AMGEN INC COM 031162100   892,298 4,019 SH   SOLE   4,019 0 0
APPLE INC COM 037833100   4,058,046 20,921 SH   SOLE   20,921 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   991,458 1,368 SH   SOLE   1,368 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   235,290 690 SH   SOLE   690 0 0
BLACKROCK INC COM 09247X101   1,467,981 2,124 SH   SOLE   2,124 0 0
BLACKSTONE INC COM 09260D107   1,601,501 17,226 SH   SOLE   17,226 0 0
BRINKS CO COM 109696104   614,404 9,058 SH   SOLE   9,058 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   1,641,623 33,024 SH   SOLE   33,024 0 0
CDW CORP COM 12514G108   212,493 1,158 SH   SOLE   1,158 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   224,595 105 SH   SOLE   105 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   1,713,679 11,668 SH   SOLE   11,668 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   848,491 4,891 SH   SOLE   4,891 0 0
DISNEY WALT CO COM 254687106   1,114,661 12,485 SH   SOLE   12,485 0 0
EMERSON ELEC CO COM 291011104   1,577,848 17,456 SH   SOLE   17,456 0 0
ENPHASE ENERGY INC COM 29355A107   1,553,544 9,276 SH   SOLE   9,276 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   1,057,081 9,537 SH   SOLE   9,537 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   15,991,386 159,802 SH   SOLE   159,802 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,428,852 4,430 SH   SOLE   4,430 0 0
HDFC BANK LTD SPONSORED ADS 40415F101   920,946 13,213 SH   SOLE   13,213 0 0
HERSHEY CO COM 427866108   1,475,228 5,908 SH   SOLE   5,908 0 0
HOME DEPOT INC COM 437076102   253,793 817 SH   SOLE   817 0 0
ILLUMINA INC COM 452327109   1,338,491 7,139 SH   SOLE   7,139 0 0
ING GROEP N.V. SPONSORED ADR 456837103   1,238,432 91,940 SH   SOLE   91,940 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   2,063,266 6,034 SH   SOLE   6,034 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   837,485 39,560 SH   SOLE   39,560 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   831,727 40,434 SH   SOLE   40,434 0 0
ISHARES INC CORE MSCI EMKT 46434G103   2,203,509 44,705 SH   SOLE   44,705 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   909,530 35,964 PRN   SOLE   35,964 0 0
ISHARES TR IBONDS DEC2023 46435G318   1,434,220 56,266 SH   SOLE   56,266 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,241,726 22,496 SH   SOLE   22,496 0 0
ISHARES TR IBONDS DEC 25 46435U432   1,097,854 41,688 SH   SOLE   41,688 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   893,632 36,297 PRN   SOLE   36,297 0 0
ISHARES TR IBONDS DEC 27 46435U283   868,277 34,641 SH   SOLE   34,641 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   879,914 37,491 PRN   SOLE   37,491 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   880,459 36,114 PRN   SOLE   36,114 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   903,792 38,492 PRN   SOLE   38,492 0 0
ISHARES TR IBONDS DEC 46435U697   876,304 34,018 SH   SOLE   34,018 0 0
ISHARES TR IBONDS DEC 26 46435U259   1,100,391 43,701 SH   SOLE   43,701 0 0
JOHNSON & JOHNSON COM 478160104   1,654,406 9,995 SH   SOLE   9,995 0 0
JOHNSON CTLS INTL PLC SHS G51502105   457,219 6,710 SH   SOLE   6,710 0 0
JPMORGAN CHASE & CO COM 46625H100   1,612,930 11,090 SH   SOLE   11,090 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   1,116,124 51,458 SH   SOLE   51,458 0 0
LULULEMON ATHLETICA INC COM 550021109   1,001,890 2,647 SH   SOLE   2,647 0 0
MERCK & CO INC COM 58933Y105   331,515 2,873 SH   SOLE   2,873 0 0
META PLATFORMS INC CL A 30303M102   278,371 970 SH   SOLE   970 0 0
MICROSOFT CORP COM 594918104   2,144,721 6,298 SH   SOLE   6,298 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   1,461,602 24,925 SH   SOLE   24,925 0 0
NIKE INC CL B 654106103   1,126,878 10,210 SH   SOLE   10,210 0 0
NOVARTIS AG SPONSORED ADR 66987V109   977,919 9,691 SH   SOLE   9,691 0 0
NVIDIA CORPORATION COM 67066G104   1,516,527 3,585 SH   SOLE   3,585 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   320,943 868 SH   SOLE   868 0 0
ORACLE CORP COM 68389X105   238,775 2,005 SH   SOLE   2,005 0 0
PEPSICO INC COM 713448108   2,051,126 11,074 SH   SOLE   11,074 0 0
PROCTER AND GAMBLE CO COM 742718109   1,652,334 10,889 SH   SOLE   10,889 0 0
PROSHARES TR BITCOIN STRATE 74347G440   987,302 58,145 SH   SOLE   58,145 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,054,319 20,971 SH   SOLE   20,971 0 0
RIO TINTO PLC SPONSORED ADR 767204100   799,851 12,529 SH   SOLE   12,529 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203   1,059,216 9,577 SH   SOLE   9,577 0 0
SAP SE SPON ADR 803054204   982,296 7,180 SH   SOLE   7,180 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,261,086 259,778 SH   SOLE   259,778 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,460,392 90,953 SH   SOLE   90,953 0 0
SOLAREDGE TECHNOLOGIES INC COM 83417M104   836,476 3,109 SH   SOLE   3,109 0 0
SOUTHERN COPPER CORP COM 84265V105   1,950,324 27,186 SH   SOLE   27,186 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   245,853 715 SH   SOLE   715 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,434,550 19,266 SH   SOLE   19,266 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   491,880 5,357 SH   SOLE   5,357 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102   962,607 19,256 SH   SOLE   19,256 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,060,064 10,504 SH   SOLE   10,504 0 0
TECK RESOURCES LTD CL B 878742204   911,549 21,652 SH   SOLE   21,652 0 0
TESLA INC COM 88160R101   2,180,021 8,328 SH   SOLE   8,328 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   884,139 14,258 SH   SOLE   14,258 0 0
TYSON FOODS INC CL A 902494103   897,385 17,582 SH   SOLE   17,582 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,782,213 3,708 SH   SOLE   3,708 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   16,188,158 39,747 SH   SOLE   39,747 0 0
VISA INC COM CL A 92826C839   240,805 1,014 SH   SOLE   1,014 0 0