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
3M CO COM 88579Y101   408,264 4,079 SH   SOLE   0 0 4,079
ABBOTT LABS COM 002824100   12,959,899 118,876 SH   SOLE   0 0 118,876
ABBVIE INC COM 00287Y109   14,914,527 110,699 SH   SOLE   0 0 110,699
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   700,785 2,271 SH   SOLE   0 0 2,271
ACTIVISION BLIZZARD INC COM 00507V109   208,474 2,473 SH   SOLE   0 0 2,473
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,390,199 2,843 SH   SOLE   0 0 2,843
ADVANCED MICRO DEVICES INC COM 007903107   560,665 4,922 SH   SOLE   0 0 4,922
AEGON N V NY REGISTRY SHS 007924103   55,491 10,945 SH   SOLE   0 0 10,945
AGILON HEALTH INC COM 00857U107   499,080 28,782 SH   SOLE   0 0 28,782
AIR PRODS & CHEMS INC COM 009158106   312,410 1,043 SH   SOLE   0 0 1,043
AIRBNB INC COM CL A 009066101   369,357 2,882 SH   SOLE   0 0 2,882
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   452,090 5,424 SH   SOLE   0 0 5,424
ALPHABET INC CAP STK CL C 02079K107   3,266,553 27,003 SH   SOLE   0 0 27,003
ALPHABET INC CAP STK CL A 02079K305   3,205,327 26,778 SH   SOLE   0 0 26,778
ALTRIA GROUP INC COM 02209S103   480,640 10,610 SH   SOLE   0 0 10,610
AMAZON COM INC COM 023135106   4,860,844 37,288 SH   SOLE   0 0 37,288
AMBEV SA SPONSORED ADR 02319V103   80,518 25,320 SH   SOLE   0 0 25,320
AMERICAN ELEC PWR CO INC COM 025537101   652,382 7,748 SH   SOLE   0 0 7,748
AMERICAN EXPRESS CO COM 025816109   507,429 2,913 SH   SOLE   0 0 2,913
AMERICAN TOWER CORP NEW COM 03027X100   304,098 1,568 SH   SOLE   0 0 1,568
AMERIPRISE FINL INC COM 03076C106   246,463 742 SH   SOLE   0 0 742
AMETEK INC COM 031100100   247,515 1,529 SH   SOLE   0 0 1,529
AMGEN INC COM 031162100   436,047 1,964 SH   SOLE   0 0 1,964
AMPHENOL CORP NEW CL A 032095101   495,513 5,833 SH   SOLE   0 0 5,833
ANALOG DEVICES INC COM 032654105   359,230 1,844 SH   SOLE   0 0 1,844
AON PLC SHS CL A G0403H108   281,683 816 SH   SOLE   0 0 816
APPLE INC COM 037833100   17,158,235 88,458 SH   SOLE   0 0 88,458
APPLIED MATLS INC COM 038222105   494,182 3,419 SH   SOLE   0 0 3,419
ARISTA NETWORKS INC COM 040413106   211,002 1,302 SH   SOLE   0 0 1,302
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   267,602 34,352 SH   SOLE   0 0 34,352
ASML HOLDING N V N Y REGISTRY SHS N07059210   879,847 1,214 SH   SOLE   0 0 1,214
ASTRAZENECA PLC SPONSORED ADR 046353108   744,757 10,406 SH   SOLE   0 0 10,406
AT&T INC COM 00206R102   383,899 24,069 SH   SOLE   0 0 24,069
AUTOMATIC DATA PROCESSING IN COM 053015103   777,448 3,537 SH   SOLE   0 0 3,537
AUTOZONE INC COM 053332102   321,643 129 SH   SOLE   0 0 129
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   176,732 23,012 SH   SOLE   0 0 23,012
BANCO BRADESCO S A SP ADR PFD NEW 059460303   167,893 48,524 SH   SOLE   0 0 48,524
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107   86,814 13,650 SH   SOLE   0 0 13,650
BANCO SANTANDER S.A. ADR 05964H105   144,371 38,914 SH   SOLE   0 0 38,914
BANK AMERICA CORP COM 060505104   628,426 21,904 SH   SOLE   0 0 21,904
BANK MONTREAL QUE COM 063671101   264,337 2,927 SH   SOLE   0 0 2,927
BANK NOVA SCOTIA HALIFAX COM 064149107   321,407 6,423 SH   SOLE   0 0 6,423
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   246,608 8,067 SH   SOLE   0 0 8,067
BARCLAYS PLC ADR 06738E204   95,923 12,204 SH   SOLE   0 0 12,204
BATH & BODY WORKS INC COM 070830104   594,300 15,848 SH   SOLE   0 0 15,848
BECTON DICKINSON & CO COM 075887109   437,138 1,656 SH   SOLE   0 0 1,656
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,639,270 19,470 SH   SOLE   0 0 19,470
BHP GROUP LTD SPONSORED ADS 088606108   355,574 5,959 SH   SOLE   0 0 5,959
BLACKROCK INC COM 09247X101   358,702 519 SH   SOLE   0 0 519
BOEING CO COM 097023105   546,693 2,589 SH   SOLE   0 0 2,589
BOOKING HOLDINGS INC COM 09857L108   518,463 192 SH   SOLE   0 0 192
BOSTON SCIENTIFIC CORP COM 101137107   221,174 4,089 SH   SOLE   0 0 4,089
BP PLC SPONSORED ADR 055622104   257,412 7,294 SH   SOLE   0 0 7,294
BRISTOL-MYERS SQUIBB CO COM 110122108   489,595 7,656 SH   SOLE   0 0 7,656
BROADCOM INC COM 11135F101   1,368,805 1,578 SH   SOLE   0 0 1,578
CADENCE DESIGN SYSTEM INC COM 127387108   319,416 1,362 SH   SOLE   0 0 1,362
CANADIAN NAT RES LTD COM 136385101   200,454 3,563 SH   SOLE   0 0 3,563
CANADIAN NATL RY CO COM 136375102   527,260 4,355 SH   SOLE   0 0 4,355
CANADIAN PACIFIC KANSAS CITY COM 13646K108   329,380 4,078 SH   SOLE   0 0 4,078
CARDINAL HEALTH INC COM 14149Y108   653,833 6,914 SH   SOLE   0 0 6,914
CATERPILLAR INC COM 149123101   542,393 2,204 SH   SOLE   0 0 2,204
CEMEX SAB DE CV SPON ADR NEW 151290889   96,869 13,682 SH   SOLE   0 0 13,682
CENTENE CORP DEL COM 15135B101   229,532 3,403 SH   SOLE   0 0 3,403
CHARTER COMMUNICATIONS INC N CL A 16119P108   308,958 841 SH   SOLE   0 0 841
CHENIERE ENERGY INC COM NEW 16411R208   212,999 1,398 SH   SOLE   0 0 1,398
CHEVRON CORP NEW COM 166764100   1,093,740 6,951 SH   SOLE   0 0 6,951
CHIPOTLE MEXICAN GRILL INC COM 169656105   213,900 100 SH   SOLE   0 0 100
CHUBB LIMITED COM H1467J104   405,146 2,104 SH   SOLE   0 0 2,104
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   330,278 8,857 SH   SOLE   0 0 8,857
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   60,322 22,936 SH   SOLE   0 0 22,936
CINCINNATI FINL CORP COM 172062101   1,929,555 19,827 SH   SOLE   0 0 19,827
CINTAS CORP COM 172908105   208,277 419 SH   SOLE   0 0 419
CISCO SYS INC COM 17275R102   1,175,080 22,711 SH   SOLE   0 0 22,711
CITIGROUP INC COM NEW 172967424   351,976 7,645 SH   SOLE   0 0 7,645
CME GROUP INC COM 12572Q105   377,436 2,037 SH   SOLE   0 0 2,037
COCA COLA CO COM 191216100   3,676,165 61,046 SH   SOLE   0 0 61,046
COLGATE PALMOLIVE CO COM 194162103   217,715 2,826 SH   SOLE   0 0 2,826
COMCAST CORP NEW CL A 20030N101   960,242 23,111 SH   SOLE   0 0 23,111
CONOCOPHILLIPS COM 20825C104   838,827 8,096 SH   SOLE   0 0 8,096
CORNING INC COM 219350105   208,628 5,954 SH   SOLE   0 0 5,954
COSTCO WHSL CORP NEW COM 22160K105   1,000,502 1,858 SH   SOLE   0 0 1,858
CRH PLC ADR 12626K203   202,133 3,627 SH   SOLE   0 0 3,627
CSX CORP COM 126408103   280,847 8,237 SH   SOLE   0 0 8,237
CVS HEALTH CORP COM 126650100   246,379 3,564 SH   SOLE   0 0 3,564
DANAHER CORPORATION COM 235851102   792,480 3,302 SH   SOLE   0 0 3,302
DEERE & CO COM 244199105   2,573,420 6,351 SH   SOLE   0 0 6,351
DEVON ENERGY CORP NEW COM 25179M103   201,771 4,174 SH   SOLE   0 0 4,174
DIAGEO PLC SPON ADR NEW 25243Q205   363,343 2,094 SH   SOLE   0 0 2,094
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   203,853 4,233 SH   SOLE   0 0 4,233
DISNEY WALT CO COM 254687106   547,171 6,129 SH   SOLE   0 0 6,129
DR REDDYS LABS LTD ADR 256135203   291,442 4,618 SH   SOLE   0 0 4,618
DUKE ENERGY CORP NEW COM NEW 26441C204   308,370 3,436 SH   SOLE   0 0 3,436
EATON CORP PLC SHS G29183103   1,258,886 6,260 SH   SOLE   0 0 6,260
EBAY INC. COM 278642103   200,882 4,495 SH   SOLE   0 0 4,495
EDWARDS LIFESCIENCES CORP COM 28176E108   232,335 2,463 SH   SOLE   0 0 2,463
ELEVANCE HEALTH INC COM 036752103   685,539 1,543 SH   SOLE   0 0 1,543
EMERSON ELEC CO COM 291011104   509,333 5,635 SH   SOLE   0 0 5,635
ENBRIDGE INC COM 29250N105   192,140 5,172 SH   SOLE   0 0 5,172
EOG RES INC COM 26875P101   236,433 2,066 SH   SOLE   0 0 2,066
EQUINIX INC COM 29444U700   390,402 498 SH   SOLE   0 0 498
EXELON CORP COM 30161N101   225,292 5,530 SH   SOLE   0 0 5,530
EXXON MOBIL CORP COM 30231G102   1,878,231 17,513 SH   SOLE   0 0 17,513
FISERV INC COM 337738108   334,298 2,650 SH   SOLE   0 0 2,650
FORD MTR CO DEL COM 345370860   162,029 10,709 SH   SOLE   0 0 10,709
FORTINET INC COM 34959E109   232,061 3,070 SH   SOLE   0 0 3,070
FREEPORT-MCMORAN INC CL B 35671D857   200,480 5,012 SH   SOLE   0 0 5,012
GENERAL ELECTRIC CO COM NEW 369604301   415,563 3,783 SH   SOLE   0 0 3,783
GENERAL MLS INC COM 370334104   273,927 3,571 SH   SOLE   0 0 3,571
GENERAL MTRS CO COM 37045V100   208,301 5,402 SH   SOLE   0 0 5,402
GILEAD SCIENCES INC COM 375558103   330,399 4,287 SH   SOLE   0 0 4,287
GOLDMAN SACHS GROUP INC COM 38141G104   330,027 1,023 SH   SOLE   0 0 1,023
GRAINGER W W INC COM 384802104   355,654 451 SH   SOLE   0 0 451
GREIF INC CL B 397624206   723,236 9,362 SH   SOLE   0 0 9,362
GREIF INC CL A 397624107   808,231 11,732 SH   SOLE   0 0 11,732
HALEON PLC SPON ADS 405552100   94,560 11,284 SH   SOLE   0 0 11,284
HCA HEALTHCARE INC COM 40412C101   278,595 918 SH   SOLE   0 0 918
HEWLETT PACKARD ENTERPRISE C COM 42824C109   200,693 11,946 SH   SOLE   0 0 11,946
HOME DEPOT INC COM 437076102   1,830,328 5,892 SH   SOLE   0 0 5,892
HONEYWELL INTL INC COM 438516106   411,888 1,985 SH   SOLE   0 0 1,985
HP INC COM 40434L105   260,262 8,475 SH   SOLE   0 0 8,475
HSBC HLDGS PLC SPON ADR NEW 404280406   472,191 11,918 SH   SOLE   0 0 11,918
HUMANA INC COM 444859102   261,571 585 SH   SOLE   0 0 585
HUNTINGTON BANCSHARES INC COM 446150104   481,812 44,707 SH   SOLE   0 0 44,707
ICICI BANK LIMITED ADR 45104G104   463,377 20,077 SH   SOLE   0 0 20,077
IDEXX LABS INC COM 45168D104   292,298 582 SH   SOLE   0 0 582
ILLINOIS TOOL WKS INC COM 452308109   551,603 2,205 SH   SOLE   0 0 2,205
INFOSYS LTD SPONSORED ADR 456788108   455,360 28,336 SH   SOLE   0 0 28,336
ING GROEP N.V. SPONSORED ADR 456837103   156,306 11,604 SH   SOLE   0 0 11,604
INTEL CORP COM 458140100   652,760 19,520 SH   SOLE   0 0 19,520
INTERCONTINENTAL EXCHANGE IN COM 45866F104   332,681 2,942 SH   SOLE   0 0 2,942
INTERNATIONAL BUSINESS MACHS COM 459200101   554,642 4,145 SH   SOLE   0 0 4,145
INTUIT COM 461202103   482,932 1,054 SH   SOLE   0 0 1,054
INTUITIVE SURGICAL INC COM NEW 46120E602   431,186 1,261 SH   SOLE   0 0 1,261
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   509,127 11,324 SH   SOLE   0 0 11,324
INVESCO QQQ TR UNIT SER 1 46090E103   488,114 1,321 SH   SOLE   0 0 1,321
ISHARES GOLD TR ISHARES NEW 464285204   438,505 12,050 SH   SOLE   0 0 12,050
ISHARES INC MSCI EMERG MRKT 464286533   227,818 4,144 SH   SOLE   0 0 4,144
ISHARES INC MSCI EMRG CHN 46434G764   207,627 3,994 SH   SOLE   0 0 3,994
ISHARES INC MSCI GBL MIN VOL 464286525   426,724 4,352 SH   SOLE   0 0 4,352
ISHARES INC CORE MSCI EMKT 46434G103   8,870,697 179,970 SH   SOLE   0 0 179,970
ISHARES INC ESG AWR MSCI EM 46434G863   249,927 7,902 SH   SOLE   0 0 7,902
ISHARES TR MSCI EMG MKT ETF 464287234   128,720 3,254 SH   SOLE   0 0 3,254
ISHARES TR RUS 1000 GRW ETF 464287614   287,396 1,044 SH   SOLE   0 0 1,044
ISHARES TR ISHS 1-5YR INVS 464288646   21,903,894 436,593 SH   SOLE   0 0 436,593
ISHARES TR RUS MD CP GR ETF 464287481   203,250 2,103 SH   SOLE   0 0 2,103
ISHARES TR CORE S&P500 ETF 464287200   44,609,286 100,086 SH   SOLE   0 0 100,086
ISHARES TR GLOBAL REIT ETF 46434V647   20,804,387 905,720 SH   SOLE   0 0 905,720
ISHARES TR MSCI EAFE MIN VL 46429B689   536,586 7,949 SH   SOLE   0 0 7,949
ISHARES TR CORE INTL AGGR 46435G672   5,297,337 107,473 SH   SOLE   0 0 107,473
ISHARES TR CORE US AGGBD ET 464287226   45,432,699 463,836 SH   SOLE   0 0 463,836
ISHARES TR ESG AWR MSCI USA 46435G425   256,249 2,629 SH   SOLE   0 0 2,629
ISHARES TR MSCI ACWI ETF 464288257   211,931 2,209 SH   SOLE   0 0 2,209
ISHARES TR CORE 1 5 YR USD 46432F859   3,480,785 74,631 SH   SOLE   0 0 74,631
ISHARES TR GLOBAL TECH ETF 464287291   213,063 3,426 SH   SOLE   0 0 3,426
ISHARES TR SHRT NAT MUN ETF 464288158   7,894,104 75,876 SH   SOLE   0 0 75,876
ISHARES TR GRWT ALLOCAT ETF 464289867   1,030,595 20,031 SH   SOLE   0 0 20,031
ISHARES TR MSCI USA MIN VOL 46429B697   665,391 8,952 SH   SOLE   0 0 8,952
ISHARES TR RUS 1000 VAL ETF 464287598   243,063 1,540 SH   SOLE   0 0 1,540
ISHARES TR RUS 2000 VAL ETF 464287630   926,701 6,582 SH   SOLE   0 0 6,582
ISHARES TR NATIONAL MUN ETF 464288414   12,380,909 116,002 SH   SOLE   0 0 116,002
ISHARES TR ESG AWARE MSCI 46435U663   211,859 5,964 SH   SOLE   0 0 5,964
ISHARES TR ESG AW MSCI EAFE 46435G516   343,946 4,716 SH   SOLE   0 0 4,716
ISHARES TR CORE MSCI EAFE 46432F842   11,458,931 169,762 SH   SOLE   0 0 169,762
ISHARES TR CORE S&P MCP ETF 464287507   40,004,938 152,994 SH   SOLE   0 0 152,994
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   62,941 10,668 SH   SOLE   0 0 10,668
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   5,379,525 106,210 SH   SOLE   0 0 106,210
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,820,966 76,206 SH   SOLE   0 0 76,206
JOHNSON & JOHNSON COM 478160104   2,557,247 15,450 SH   SOLE   0 0 15,450
JPMORGAN CHASE & CO COM 46625H100   5,401,182 37,137 SH   SOLE   0 0 37,137
KB FINL GROUP INC SPONSORED ADR 48241A105   297,825 8,182 SH   SOLE   0 0 8,182
KEYSIGHT TECHNOLOGIES INC COM 49338L103   276,627 1,652 SH   SOLE   0 0 1,652
KIMBERLY-CLARK CORP COM 494368103   304,603 2,206 SH   SOLE   0 0 2,206
KINROSS GOLD CORP COM 496902404   61,037 12,796 SH   SOLE   0 0 12,796
KLA CORP COM NEW 482480100   215,834 445 SH   SOLE   0 0 445
KOREA ELEC PWR CORP SPONSORED ADR 500631106   168,516 21,744 SH   SOLE   0 0 21,744
KROGER CO COM 501044101   256,949 5,467 SH   SOLE   0 0 5,467
LAM RESEARCH CORP COM 512807108   391,501 609 SH   SOLE   0 0 609
LG DISPLAY CO LTD SPONS ADR REP 50186V102   236,128 38,965 SH   SOLE   0 0 38,965
LILLY ELI & CO COM 532457108   2,294,304 4,892 SH   SOLE   0 0 4,892
LINDE PLC SHS G54950103   817,036 2,144 SH   SOLE   0 0 2,144
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   59,336 26,971 SH   SOLE   0 0 26,971
LOCKHEED MARTIN CORP COM 539830109   652,484 1,417 SH   SOLE   0 0 1,417
LOWES COS INC COM 548661107   976,840 4,328 SH   SOLE   0 0 4,328
LUMEN TECHNOLOGIES INC COM 550241103   35,294 15,617 SH   SOLE   0 0 15,617
MARATHON PETE CORP COM 56585A102   294,298 2,524 SH   SOLE   0 0 2,524
MARSH & MCLENNAN COS INC COM 571748102   404,936 2,153 SH   SOLE   0 0 2,153
MASTERCARD INCORPORATED CL A 57636Q104   1,491,000 3,791 SH   SOLE   0 0 3,791
MCDONALDS CORP COM 580135101   1,015,978 3,405 SH   SOLE   0 0 3,405
MCKESSON CORP COM 58155Q103   357,234 836 SH   SOLE   0 0 836
MEDPACE HLDGS INC COM 58506Q109   565,360 2,354 SH   SOLE   0 0 2,354
MEDTRONIC PLC SHS G5960L103   307,117 3,486 SH   SOLE   0 0 3,486
MERCK & CO INC COM 58933Y105   1,367,765 11,853 SH   SOLE   0 0 11,853
META PLATFORMS INC CL A 30303M102   2,558,714 8,916 SH   SOLE   0 0 8,916
MICRON TECHNOLOGY INC COM 595112103   227,700 3,608 SH   SOLE   0 0 3,608
MICROSOFT CORP COM 594918104   12,750,140 37,441 SH   SOLE   0 0 37,441
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   178,531 24,224 SH   SOLE   0 0 24,224
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   147,778 48,136 SH   SOLE   0 0 48,136
MONDELEZ INTL INC CL A 609207105   362,731 4,973 SH   SOLE   0 0 4,973
MONSTER BEVERAGE CORP NEW COM 61174X109   230,564 4,014 SH   SOLE   0 0 4,014
MOODYS CORP COM 615369105   341,461 982 SH   SOLE   0 0 982
MORGAN STANLEY COM NEW 617446448   444,934 5,210 SH   SOLE   0 0 5,210
MSCI INC COM 55354G100   201,325 429 SH   SOLE   0 0 429
NAUTILUS BIOTECHNOLOGY INC COM 63909J108   40,461 10,455 SH   SOLE   0 0 10,455
NETEASE INC SPONSORED ADS 64110W102   225,288 2,330 SH   SOLE   0 0 2,330
NETFLIX INC COM 64110L106   889,349 2,019 SH   SOLE   0 0 2,019
NEXTERA ENERGY INC COM 65339F101   1,056,385 14,237 SH   SOLE   0 0 14,237
NIKE INC CL B 654106103   467,420 4,235 SH   SOLE   0 0 4,235
NISOURCE INC COM 65473P105   234,897 8,589 SH   SOLE   0 0 8,589
NOKIA CORP SPONSORED ADR 654902204   131,119 31,519 SH   SOLE   0 0 31,519
NOMURA HLDGS INC SPONSORED ADR 65535H208   121,537 31,733 SH   SOLE   0 0 31,733
NORTHROP GRUMMAN CORP COM 666807102   354,157 777 SH   SOLE   0 0 777
NOVARTIS AG SPONSORED ADR 66987V109   681,546 6,754 SH   SOLE   0 0 6,754
NOVO-NORDISK A S ADR 670100205   889,741 5,498 SH   SOLE   0 0 5,498
NUCOR CORP COM 670346105   210,878 1,286 SH   SOLE   0 0 1,286
NVIDIA CORPORATION COM 67066G104   5,335,055 12,612 SH   SOLE   0 0 12,612
OLD DOMINION FREIGHT LINE IN COM 679580100   214,455 580 SH   SOLE   0 0 580
ORACLE CORP COM 68389X105   1,551,624 13,029 SH   SOLE   0 0 13,029
OREILLY AUTOMOTIVE INC COM 67103H107   301,875 316 SH   SOLE   0 0 316
PACCAR INC COM 693718108   206,950 2,474 SH   SOLE   0 0 2,474
PEPSICO INC COM 713448108   1,533,255 8,278 SH   SOLE   0 0 8,278
PFIZER INC COM 717081103   1,005,864 27,423 SH   SOLE   0 0 27,423
PHILIP MORRIS INTL INC COM 718172109   328,639 3,367 SH   SOLE   0 0 3,367
PHILLIPS 66 COM 718546104   284,423 2,982 SH   SOLE   0 0 2,982
POSCO HOLDINGS INC SPONSORED ADR 693483109   290,771 3,932 SH   SOLE   0 0 3,932
PROCTER AND GAMBLE CO COM 742718109   4,695,234 30,943 SH   SOLE   0 0 30,943
PROGRESSIVE CORP COM 743315103   298,759 2,257 SH   SOLE   0 0 2,257
PROLOGIS INC. COM 74340W103   640,023 5,219 SH   SOLE   0 0 5,219
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   265,867 4,246 SH   SOLE   0 0 4,246
QUALCOMM INC COM 747525103   359,025 3,016 SH   SOLE   0 0 3,016
RAYTHEON TECHNOLOGIES CORP COM 75513E101   407,905 4,164 SH   SOLE   0 0 4,164
REGENERON PHARMACEUTICALS COM 75886F107   224,184 312 SH   SOLE   0 0 312
RELX PLC SPONSORED ADR 759530108   223,045 6,672 SH   SOLE   0 0 6,672
RIO TINTO PLC SPONSORED ADR 767204100   261,177 4,091 SH   SOLE   0 0 4,091
ROCKWELL AUTOMATION INC COM 773903109   231,933 704 SH   SOLE   0 0 704
ROPER TECHNOLOGIES INC COM 776696106   291,846 607 SH   SOLE   0 0 607
ROYAL BK CDA COM 780087102   306,587 3,210 SH   SOLE   0 0 3,210
S&P GLOBAL INC COM 78409V104   633,807 1,581 SH   SOLE   0 0 1,581
SALESFORCE INC COM 79466L302   856,871 4,056 SH   SOLE   0 0 4,056
SANOFI SPONSORED ADR 80105N105   334,072 6,198 SH   SOLE   0 0 6,198
SAP SE SPON ADR 803054204   481,161 3,517 SH   SOLE   0 0 3,517
SCHWAB CHARLES CORP COM 808513105   409,562 7,226 SH   SOLE   0 0 7,226
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   476,365 6,560 SH   SOLE   0 0 6,560
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   44,391 1,013 SH   SOLE   0 0 1,013
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   201,539 5,653 SH   SOLE   0 0 5,653
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   249,089 4,818 SH   SOLE   0 0 4,818
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   202,394 6,268 SH   SOLE   0 0 6,268
SEMPRA COM 816851109   215,182 1,478 SH   SOLE   0 0 1,478
SERVICENOW INC COM 81762P102   1,756,156 3,125 SH   SOLE   0 0 3,125
SHELL PLC SPON ADS 780259305   469,402 7,774 SH   SOLE   0 0 7,774
SHERWIN WILLIAMS CO COM 824348106   552,547 2,081 SH   SOLE   0 0 2,081
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   332,890 12,774 SH   SOLE   0 0 12,774
SHOPIFY INC CL A 82509L107   511,180 7,913 SH   SOLE   0 0 7,913
SMUCKER J M CO COM NEW 832696405   202,709 1,373 SH   SOLE   0 0 1,373
SONY GROUP CORPORATION SPONSORED ADR 835699307   538,259 5,978 SH   SOLE   0 0 5,978
SOUTHERN COPPER CORP COM 84265V105   203,455 2,836 SH   SOLE   0 0 2,836
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   204,247 594 SH   SOLE   0 0 594
SPDR GOLD TR GOLD SHS 78463V107   818,438 4,591 SH   SOLE   0 0 4,591
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   287,414 6,998 SH   SOLE   0 0 6,998
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,168,763 2,637 SH   SOLE   0 0 2,637
SPDR SER TR S&P DIVID ETF 78464A763   2,059,186 16,799 SH   SOLE   0 0 16,799
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,530,587 47,667 SH   SOLE   0 0 47,667
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   220,368 2,400 SH   SOLE   0 0 2,400
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   1,921,617 48,045 SH   SOLE   0 0 48,045
STARBUCKS CORP COM 855244109   616,700 6,226 SH   SOLE   0 0 6,226
STRYKER CORPORATION COM 863667101   390,516 1,280 SH   SOLE   0 0 1,280
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   323,420 37,607 SH   SOLE   0 0 37,607
SUN LIFE FINANCIAL INC. COM 866796105   242,827 4,659 SH   SOLE   0 0 4,659
SYNOPSYS INC COM 871607107   401,448 922 SH   SOLE   0 0 922
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,497,754 14,841 SH   SOLE   0 0 14,841
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   172,637 10,989 SH   SOLE   0 0 10,989
TARGET CORP COM 87612E106   548,308 4,157 SH   SOLE   0 0 4,157
TELEFONICA S A SPONSORED ADR 879382208   50,544 12,542 SH   SOLE   0 0 12,542
TESLA INC COM 88160R101   2,755,915 10,528 SH   SOLE   0 0 10,528
TEXAS INSTRS INC COM 882508104   1,069,139 5,939 SH   SOLE   0 0 5,939
THE CIGNA GROUP COM 125523100   666,516 2,375 SH   SOLE   0 0 2,375
THERMO FISHER SCIENTIFIC INC COM 883556102   1,057,926 2,028 SH   SOLE   0 0 2,028
THOMSON REUTERS CORP. COM 884903808   292,280 2,166 SH   SOLE   0 0 2,166
TJX COS INC NEW COM 872540109   505,942 5,967 SH   SOLE   0 0 5,967
T-MOBILE US INC COM 872590104   373,085 2,686 SH   SOLE   0 0 2,686
TORONTO DOMINION BK ONT COM NEW 891160509   313,399 5,054 SH   SOLE   0 0 5,054
TOTALENERGIES SE SPONSORED ADS 89151E109   365,553 6,342 SH   SOLE   0 0 6,342
TOYOTA MOTOR CORP ADS 892331307   418,272 2,602 SH   SOLE   0 0 2,602
TRAVELERS COMPANIES INC COM 89417E109   274,383 1,580 SH   SOLE   0 0 1,580
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   86,101 24,118 SH   SOLE   0 0 24,118
UBS GROUP AG SHS H42097107   307,111 15,151 SH   SOLE   0 0 15,151
ULTRAPAR PARTICIPACOES SA SP ADR REP COM 90400P101   45,266 11,518 SH   SOLE   0 0 11,518
UNILEVER PLC SPON ADR NEW 904767704   491,100 9,421 SH   SOLE   0 0 9,421
UNION PAC CORP COM 907818108   638,639 3,121 SH   SOLE   0 0 3,121
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   395,881 50,175 SH   SOLE   0 0 50,175
UNITED PARCEL SERVICE INC CL B 911312106   6,268,916 34,973 SH   SOLE   0 0 34,973
UNITEDHEALTH GROUP INC COM 91324P102   2,261,453 4,705 SH   SOLE   0 0 4,705
US BANCORP DEL COM NEW 902973304   203,626 6,163 SH   SOLE   0 0 6,163
VANECK MERK GOLD TR GOLD TRUST 921078101   3,120,671 167,778 SH   SOLE   0 0 167,778
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,771,029 120,663 SH   SOLE   0 0 120,663
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,938,511 237,376 SH   SOLE   0 0 237,376
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   31,095,261 636,155 SH   SOLE   0 0 636,155
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,841,263 17,438 SH   SOLE   0 0 17,438
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,992,126 40,184 SH   SOLE   0 0 40,184
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,814,070 8,949 SH   SOLE   0 0 8,949
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,204,259 62,282 SH   SOLE   0 0 62,282
VANGUARD INDEX FDS GROWTH ETF 922908736   411,896 1,456 SH   SOLE   0 0 1,456
VANGUARD INDEX FDS VALUE ETF 922908744   1,360,949 9,577 SH   SOLE   0 0 9,577
VANGUARD INDEX FDS SML CP GRW ETF 922908595   249,296 1,085 SH   SOLE   0 0 1,085
VANGUARD INDEX FDS SM CP VAL ETF 922908611   55,211,116 333,804 SH   SOLE   0 0 333,804
VANGUARD INDEX FDS MID CAP ETF 922908629   6,521,331 29,621 SH   SOLE   0 0 29,621
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,734,564 4,259 SH   SOLE   0 0 4,259
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   36,928,697 907,785 SH   SOLE   0 0 907,785
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,588,890 37,006 SH   SOLE   0 0 37,006
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   7,466,677 137,230 SH   SOLE   0 0 137,230
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,368,964 21,442 SH   SOLE   0 0 21,442
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,966,117 138,712 SH   SOLE   0 0 138,712
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   745,960 9,859 SH   SOLE   0 0 9,859
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   37,286,790 229,556 SH   SOLE   0 0 229,556
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   59,396,245 1,286,190 SH   SOLE   0 0 1,286,190
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   738,757 6,965 SH   SOLE   0 0 6,965
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,821,863 64,214 SH   SOLE   0 0 64,214
VANGUARD WORLD FD MEGA CAP INDEX 921910873   231,165 1,477 SH   SOLE   0 0 1,477
VANGUARD WORLD FD ESG US STK ETF 921910733   316,552 4,040 SH   SOLE   0 0 4,040
VANGUARD WORLD FD ESG INTL STK ETF 921910725   95,514 1,798 SH   SOLE   0 0 1,798
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   305,165 1,246 SH   SOLE   0 0 1,246
VANGUARD WORLD FDS INF TECH ETF 92204A702   490,189 1,109 SH   SOLE   0 0 1,109
VANGUARD WORLD FDS ENERGY ETF 92204A306   465,039 4,119 SH   SOLE   0 0 4,119
VERISIGN INC COM 92343E102   209,245 926 SH   SOLE   0 0 926
VERIZON COMMUNICATIONS INC COM 92343V104   550,507 14,803 SH   SOLE   0 0 14,803
VERTEX PHARMACEUTICALS INC COM 92532F100   265,692 755 SH   SOLE   0 0 755
VISA INC COM CL A 92826C839   1,834,533 7,725 SH   SOLE   0 0 7,725
VMWARE INC CL A COM 928563402   272,005 1,893 SH   SOLE   0 0 1,893
WALMART INC COM 931142103   848,303 5,397 SH   SOLE   0 0 5,397
WASTE MGMT INC DEL COM 94106L109   314,237 1,812 SH   SOLE   0 0 1,812
WELLS FARGO CO NEW COM 949746101   371,316 8,700 SH   SOLE   0 0 8,700
WELLTOWER INC COM 95040Q104   254,399 3,145 SH   SOLE   0 0 3,145
WENDYS CO COM 95058W100   183,113 8,419 SH   SOLE   0 0 8,419
WILLIAMS COS INC COM 969457100   207,201 6,350 SH   SOLE   0 0 6,350
WIPRO LTD SPON ADR 1 SH 97651M109   350,989 74,362 SH   SOLE   0 0 74,362
WOORI FINL GROUP INC SPONSORED ADS 981064108   294,537 10,929 SH   SOLE   0 0 10,929
WORKDAY INC CL A 98138H101   240,573 1,065 SH   SOLE   0 0 1,065
WORLD GOLD TR SPDR GLD MINIS 98149E303   175,443 4,606 SH   SOLE   0 0 4,606
WORTHINGTON INDS INC COM 981811102   912,281 13,132 SH   SOLE   0 0 13,132
YUM BRANDS INC COM 988498101   269,341 1,944 SH   SOLE   0 0 1,944
ZOETIS INC CL A 98978V103   380,756 2,211 SH   SOLE   0 0 2,211