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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,532,848 8,862 SH   SOLE   8,862 0 0
LINDE PLC SHS G54950103   434,102 1,233 SH   SOLE   1,233 0 0
ABBOTT LABS COM 002824100   2,649,569 26,166 SH   SOLE   26,166 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   767,657 1,992 SH   SOLE   1,992 0 0
ALPHABET INC CAP STK CL C 02079K107   1,412,216 13,579 SH   SOLE   13,579 0 0
ALPHABET INC CAP STK CL A 02079K305   4,615,985 44,500 SH   SOLE   44,500 0 0
AMAZON COM INC COM 023135106   5,006,776 48,473 SH   SOLE   48,473 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,268,378 11,101 SH   SOLE   11,101 0 0
APPLE INC COM 037833100   11,033,954 66,913 SH   SOLE   66,913 0 0
BANK AMERICA CORP COM 060505104   398,455 13,932 SH   SOLE   13,932 0 0
BANK MONTREAL QUE COM 063671101   260,201 2,920 SH   SOLE   2,920 0 0
BANK NOVA SCOTIA HALIFAX COM 064149107   200,282 3,977 SH   SOLE   3,977 0 0
BAR HBR BANKSHARES COM 066849100   970,212 36,681 SH   SOLE   36,681 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE   1 0 0
BIOGEN INC COM 09062X103   1,222,498 4,397 SH   SOLE   4,397 0 0
BLACKROCK INC COM 09247X101   248,913 372 SH   SOLE   372 0 0
BOEING CO COM 097023105   791,939 3,728 SH   SOLE   3,728 0 0
CDW CORP COM 12514G108   1,463,819 7,511 SH   SOLE   7,511 0 0
CHEVRON CORP NEW COM 166764100   3,455,239 21,177 SH   SOLE   21,177 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,147,321 1,257 SH   SOLE   1,257 0 0
COCA COLA CO COM 191216100   237,203 3,824 SH   SOLE   3,824 0 0
COMPASS MINERALS INTL INC COM 20451N101   205,740 6,000 SH   SOLE   6,000 0 0
COSTCO WHSL CORP NEW COM 22160K105   4,078,309 8,208 SH   SOLE   8,208 0 0
CROWN CASTLE INC COM 22822V101   364,312 2,722 SH   SOLE   2,722 0 0
DANAHER CORPORATION COM 235851102   2,738,919 10,867 SH   SOLE   10,867 0 0
DEERE & CO COM 244199105   965,313 2,338 SH   SOLE   2,338 0 0
DISNEY WALT CO COM 254687106   886,952 8,858 SH   SOLE   8,858 0 0
DUPONT DE NEMOURS INC COM 26614N102   721,863 10,058 SH   SOLE   10,058 0 0
EMERSON ELEC CO COM 291011104   304,641 3,496 SH   SOLE   3,496 0 0
EXTRA SPACE STORAGE INC COM 30225T102   677,789 4,160 SH   SOLE   4,160 0 0
EXXON MOBIL CORP COM 30231G102   312,531 2,850 SH   SOLE   2,850 0 0
META PLATFORMS INC CL A 30303M102   2,571,892 12,135 SH   SOLE   12,135 0 0
FIDUS INVT CORP COM 316500107   1,066,242 55,912 SH   SOLE   55,912 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100   198,910 14,218 SH   SOLE   14,218 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   13,565,786 320,780 SH   SOLE   320,780 0 0
FREEPORT-MCMORAN INC CL B 35671D857   1,316,770 32,187 SH   SOLE   32,187 0 0
GENERAL DYNAMICS CORP COM 369550108   2,121,440 9,296 SH   SOLE   9,296 0 0
GSK PLC SPONSORED ADR 37733W204   764,330 21,482 SH   SOLE   21,482 0 0
HOME DEPOT INC COM 437076102   2,366,862 8,020 SH   SOLE   8,020 0 0
HONEYWELL INTL INC COM 438516106   2,443,660 12,786 SH   SOLE   12,786 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,598,974 15,332 SH   SOLE   15,332 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,983,872 4,826 SH   SOLE   4,826 0 0
ISHARES TR CORE US AGGBD ET 464287226   21,307,416 213,844 SH   SOLE   213,844 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   220,108 5,578 SH   SOLE   5,578 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   927,751 11,292 SH   SOLE   11,292 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,002,710 14,020 SH   SOLE   14,020 0 0
ISHARES TR RUS MID CAP ETF 464287499   230,456 3,296 SH   SOLE   3,296 0 0
ISHARES TR CORE S&P MCP ETF 464287507   23,689,151 94,696 SH   SOLE   94,696 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   233,871 1,536 SH   SOLE   1,536 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   749,360 3,067 SH   SOLE   3,067 0 0
ISHARES TR U.S. REAL ES ETF 464287739   299,273 3,525 SH   SOLE   3,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,856,446 35,794 SH   SOLE   35,794 0 0
ISHARES TR IBOXX HI YD ETF 464288513   523,939 6,935 SH   SOLE   6,935 0 0
ISHARES TR MSCI KLD400 SOC 464288570   935,100 11,990 SH   SOLE   11,990 0 0
ISHARES TR MBS ETF 464288588   235,404 2,485 SH   SOLE   2,485 0 0
JPMORGAN CHASE & CO COM 46625H100   3,565,933 27,365 SH   SOLE   27,365 0 0
JOHNSON & JOHNSON COM 478160104   1,887,900 12,180 SH   SOLE   12,180 0 0
LAUDER ESTEE COS INC CL A 518439104   1,068,404 4,335 SH   SOLE   4,335 0 0
LILLY ELI & CO COM 532457108   3,315,033 9,653 SH   SOLE   9,653 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,338,895 8,039 SH   SOLE   8,039 0 0
MASTERCARD INCORPORATED CL A 57636Q104   2,657,981 7,314 SH   SOLE   7,314 0 0
MCDONALDS CORP COM 580135101   648,975 2,321 SH   SOLE   2,321 0 0
MERCK & CO INC COM 58933Y105   283,423 2,664 SH   SOLE   2,664 0 0
METLIFE INC COM 59156R108   214,899 3,709 SH   SOLE   3,709 0 0
MICROSOFT CORP COM 594918104   9,044,836 31,373 SH   SOLE   31,373 0 0
MONDELEZ INTL INC CL A 609207105   1,312,758 18,829 SH   SOLE   18,829 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   2,146,844 35,339 SH   SOLE   35,339 0 0
NIKE INC CL B 654106103   3,532,523 28,804 SH   SOLE   28,804 0 0
NVIDIA CORPORATION COM 67066G104   4,511,818 16,243 SH   SOLE   16,243 0 0
PALO ALTO NETWORKS INC COM 697435105   3,235,189 16,197 SH   SOLE   16,197 0 0
PEPSICO INC COM 713448108   3,402,265 18,663 SH   SOLE   18,663 0 0
PFIZER INC COM 717081103   611,388 14,985 SH   SOLE   14,985 0 0
PROCTER AND GAMBLE CO COM 742718109   1,029,083 6,921 SH   SOLE   6,921 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   372,526 3,804 SH   SOLE   3,804 0 0
ROCKWELL AUTOMATION INC COM 773903109   214,512 731 SH   SOLE   731 0 0
ROYAL BK CDA SUSTAINABL COM 780087102   544,806 5,700 SH   SOLE   5,700 0 0
S&P GLOBAL INC COM 78409V104   1,882,789 5,461 SH   SOLE   5,461 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,510,389 13,460 SH   SOLE   13,460 0 0
SALESFORCE INC COM 79466L302   2,456,894 12,298 SH   SOLE   12,298 0 0
SCHLUMBERGER LTD COM STK 806857108   1,475,455 30,050 SH   SOLE   30,050 0 0
TJX COS INC NEW COM 872540109   2,956,131 37,725 SH   SOLE   37,725 0 0
TEXAS INSTRS INC COM 882508104   1,869,587 10,051 SH   SOLE   10,051 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   3,214,992 5,578 SH   SOLE   5,578 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   336,758 5,622 SH   SOLE   5,622 0 0
UNION PAC CORP COM 907818108   2,255,320 11,206 SH   SOLE   11,206 0 0
UNITEDHEALTH GROUP INC COM 91324P102   4,048,206 8,566 SH   SOLE   8,566 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   549,788 16,995 SH   SOLE   16,995 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   634,212 16,056 SH   SOLE   16,056 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   207,594 2,714 SH   SOLE   2,714 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,027,211 22,741 SH   SOLE   22,741 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   728,161 6,902 SH   SOLE   6,902 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,403,496 34,740 SH   SOLE   34,740 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   495,694 6,877 SH   SOLE   6,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,082,329 2,878 SH   SOLE   2,878 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,668,033 140,511 SH   SOLE   140,511 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   261,963 1,242 SH   SOLE   1,242 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   310,054 1,243 SH   SOLE   1,243 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   268,486 1,944 SH   SOLE   1,944 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   203,208 1,072 SH   SOLE   1,072 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   586,539 15,082 SH   SOLE   15,082 0 0
VERISK ANALYTICS INC COM 92345Y106   489,243 2,550 SH   SOLE   2,550 0 0
VISA INC COM CL A 92826C839   2,509,821 11,132 SH   SOLE   11,132 0 0
WEWORK INC CL A 96209A104   15,546 20,000 SH   SOLE   20,000 0 0