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   320,097 2,928 SH   SOLE   0 0 2,928
ABBOTT LABS COM 002824100   12,488,041 113,455 SH   SOLE   0 0 113,455
ABBVIE INC COM 00287Y109   16,045,155 103,537 SH   SOLE   0 0 103,537
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   832,359 2,372 SH   SOLE   0 0 2,372
ADOBE INC COM 00724F101   1,953,865 3,275 SH   SOLE   0 0 3,275
ADVANCED MICRO DEVICES INC COM 007903107   795,574 5,397 SH   SOLE   0 0 5,397
AEGON LTD AMER REG 1 CERT 0076CA104   63,043 10,945 SH   SOLE   0 0 10,945
AFLAC INC COM 001055102   217,483 2,636 SH   SOLE   0 0 2,636
AGILON HEALTH INC COM 00857U107   362,645 28,896 SH   SOLE   0 0 28,896
AIR PRODS & CHEMS INC COM 009158106   264,765 967 SH   SOLE   0 0 967
AIRBNB INC COM CL A 009066101   281,265 2,066 SH   SOLE   0 0 2,066
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   390,573 5,039 SH   SOLE   0 0 5,039
ALLSTATE CORP COM 020002101   210,269 1,502 SH   SOLE   0 0 1,502
ALPHABET INC CAP STK CL A 02079K305   3,840,218 27,491 SH   SOLE   0 0 27,491
ALPHABET INC CAP STK CL C 02079K107   3,957,878 28,084 SH   SOLE   0 0 28,084
ALTRIA GROUP INC COM 02209S103   347,823 8,622 SH   SOLE   0 0 8,622
AMAZON COM INC COM 023135106   5,935,667 39,066 SH   SOLE   0 0 39,066
AMBEV SA SPONSORED ADR 02319V103   78,436 28,013 SH   SOLE   0 0 28,013
AMERICAN ELEC PWR CO INC COM 025537101   605,820 7,459 SH   SOLE   0 0 7,459
AMERICAN EXPRESS CO COM 025816109   514,550 2,747 SH   SOLE   0 0 2,747
AMERICAN INTL GROUP INC COM NEW 026874784   237,328 3,503 SH   SOLE   0 0 3,503
AMERICAN TOWER CORP NEW COM 03027X100   363,326 1,683 SH   SOLE   0 0 1,683
AMERIPRISE FINL INC COM 03076C106   283,733 747 SH   SOLE   0 0 747
AMETEK INC COM 031100100   249,149 1,511 SH   SOLE   0 0 1,511
AMGEN INC COM 031162100   625,291 2,171 SH   SOLE   0 0 2,171
AMPHENOL CORP NEW CL A 032095101   568,907 5,739 SH   SOLE   0 0 5,739
ANALOG DEVICES INC COM 032654105   357,011 1,798 SH   SOLE   0 0 1,798
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   220,483 3,412 SH   SOLE   0 0 3,412
AON PLC SHS CL A G0403H108   242,711 834 SH   SOLE   0 0 834
APPLE INC COM 037833100   17,687,013 91,866 SH   SOLE   0 0 91,866
APPLIED MATLS INC COM 038222105   571,945 3,529 SH   SOLE   0 0 3,529
ARISTA NETWORKS INC COM 040413106   324,062 1,376 SH   SOLE   0 0 1,376
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   332,201 35,303 SH   SOLE   0 0 35,303
ASML HOLDING N V N Y REGISTRY SHS N07059210   943,879 1,247 SH   SOLE   0 0 1,247
ASTRAZENECA PLC SPONSORED ADR 046353108   699,699 10,389 SH   SOLE   0 0 10,389
AT&T INC COM 00206R102   460,514 27,444 SH   SOLE   0 0 27,444
AUTODESK INC COM 052769106   210,367 864 SH   SOLE   0 0 864
AUTOMATIC DATA PROCESSING IN COM 053015103   802,554 3,445 SH   SOLE   0 0 3,445
AUTOZONE INC COM 053332102   320,616 124 SH   SOLE   0 0 124
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   236,778 25,991 SH   SOLE   0 0 25,991
BANCO BRADESCO S A SP ADR PFD NEW 059460303   167,535 47,867 SH   SOLE   0 0 47,867
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107   89,846 13,717 SH   SOLE   0 0 13,717
BANCO SANTANDER S.A. ADR 05964H105   192,067 46,393 SH   SOLE   0 0 46,393
BANK AMERICA CORP COM 060505104   684,578 20,332 SH   SOLE   0 0 20,332
BANK MONTREAL QUE COM 063671101   354,502 3,583 SH   SOLE   0 0 3,583
BANK NOVA SCOTIA HALIFAX COM 064149107   254,113 5,219 SH   SOLE   0 0 5,219
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   245,156 8,067 SH   SOLE   0 0 8,067
BATH & BODY WORKS INC COM 070830104   625,345 14,489 SH   SOLE   0 0 14,489
BECTON DICKINSON & CO COM 075887109   371,772 1,525 SH   SOLE   0 0 1,525
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   7,303,683 20,478 SH   SOLE   0 0 20,478
BHP GROUP LTD SPONSORED ADS 088606108   440,258 6,445 SH   SOLE   0 0 6,445
BLACKROCK INC COM 09247X101   470,032 579 SH   SOLE   0 0 579
BLACKSTONE INC COM 09260D107   222,433 1,699 SH   SOLE   0 0 1,699
BOEING CO COM 097023105   719,943 2,762 SH   SOLE   0 0 2,762
BOOKING HOLDINGS INC COM 09857L108   681,063 192 SH   SOLE   0 0 192
BOSTON SCIENTIFIC CORP COM 101137107   286,969 4,964 SH   SOLE   0 0 4,964
BP PLC SPONSORED ADR 055622104   257,861 7,284 SH   SOLE   0 0 7,284
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   69,239 12,822 SH   SOLE   0 0 12,822
BRISTOL-MYERS SQUIBB CO COM 110122108   336,601 6,560 SH   SOLE   0 0 6,560
BROADCOM INC COM 11135F101   2,197,896 1,969 SH   SOLE   0 0 1,969
CADENCE DESIGN SYSTEM INC COM 127387108   383,497 1,408 SH   SOLE   0 0 1,408
CAMECO CORP COM 13321L108   280,624 6,511 SH   SOLE   0 0 6,511
CANADIAN NAT RES LTD COM 136385101   259,852 3,966 SH   SOLE   0 0 3,966
CANADIAN NATL RY CO COM 136375102   573,627 4,566 SH   SOLE   0 0 4,566
CANADIAN PACIFIC KANSAS CITY COM 13646K108   299,242 3,785 SH   SOLE   0 0 3,785
CAPITAL ONE FINL CORP COM 14040H105   212,414 1,620 SH   SOLE   0 0 1,620
CAPITOL FED FINL INC COM 14057J101   90,771 14,073 SH   SOLE   0 0 14,073
CARDINAL HEALTH INC COM 14149Y108   697,943 6,924 SH   SOLE   0 0 6,924
CARRIER GLOBAL CORPORATION COM 14448C104   209,980 3,655 SH   SOLE   0 0 3,655
CATERPILLAR INC COM 149123101   625,245 2,115 SH   SOLE   0 0 2,115
CDW CORP COM 12514G108   258,917 1,139 SH   SOLE   0 0 1,139
CEMEX SAB DE CV SPON ADR NEW 151290889   119,149 15,374 SH   SOLE   0 0 15,374
CENCORA INC COM 03073E105   210,515 1,025 SH   SOLE   0 0 1,025
CENTENE CORP DEL COM 15135B101   259,438 3,496 SH   SOLE   0 0 3,496
CHARTER COMMUNICATIONS INC N CL A 16119P108   333,876 859 SH   SOLE   0 0 859
CHENIERE ENERGY INC COM NEW 16411R208   245,140 1,436 SH   SOLE   0 0 1,436
CHEVRON CORP NEW COM 166764100   1,185,375 7,947 SH   SOLE   0 0 7,947
CHIPOTLE MEXICAN GRILL INC COM 169656105   212,687 93 SH   SOLE   0 0 93
CHUBB LIMITED COM H1467J104   516,184 2,284 SH   SOLE   0 0 2,284
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   402,812 10,310 SH   SOLE   0 0 10,310
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   57,021 24,578 SH   SOLE   0 0 24,578
CINCINNATI FINL CORP COM 172062101   1,961,352 18,958 SH   SOLE   0 0 18,958
CINTAS CORP COM 172908105   264,568 439 SH   SOLE   0 0 439
CISCO SYS INC COM 17275R102   1,087,568 21,527 SH   SOLE   0 0 21,527
CITIGROUP INC COM NEW 172967424   231,274 4,496 SH   SOLE   0 0 4,496
CME GROUP INC COM 12572Q105   473,429 2,248 SH   SOLE   0 0 2,248
COCA COLA CO COM 191216100   3,586,767 60,865 SH   SOLE   0 0 60,865
COLGATE PALMOLIVE CO COM 194162103   221,116 2,774 SH   SOLE   0 0 2,774
COMCAST CORP NEW CL A 20030N101   986,558 22,498 SH   SOLE   0 0 22,498
CONOCOPHILLIPS COM 20825C104   1,060,416 9,136 SH   SOLE   0 0 9,136
CONSOLIDATED EDISON INC COM 209115104   206,684 2,272 SH   SOLE   0 0 2,272
COPART INC COM 217204106   211,778 4,322 SH   SOLE   0 0 4,322
COSTCO WHSL CORP NEW COM 22160K105   1,318,307 1,997 SH   SOLE   0 0 1,997
CRH PLC ORD G25508105   244,342 3,533 SH   SOLE   0 0 3,533
CROWDSTRIKE HLDGS INC CL A 22788C105   222,894 873 SH   SOLE   0 0 873
CROWN CASTLE INC COM 22822V101   257,572 2,236 SH   SOLE   0 0 2,236
CSX CORP COM 126408103   365,966 10,556 SH   SOLE   0 0 10,556
CVS HEALTH CORP COM 126650100   279,755 3,543 SH   SOLE   0 0 3,543
CYBIN INC COM 23256X100   472,779 1,153,120 SH   SOLE   0 0 1,153,120
DANAHER CORPORATION COM 235851102   777,071 3,359 SH   SOLE   0 0 3,359
DEERE & CO COM 244199105   2,476,023 6,192 SH   SOLE   0 0 6,192
DIAGEO PLC SPON ADR NEW 25243Q205   269,804 1,852 SH   SOLE   0 0 1,852
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   221,133 4,267 SH   SOLE   0 0 4,267
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   207,956 3,488 SH   SOLE   0 0 3,488
DISNEY WALT CO COM 254687106   587,580 6,508 SH   SOLE   0 0 6,508
DR REDDYS LABS LTD ADR 256135203   364,530 5,239 SH   SOLE   0 0 5,239
DUKE ENERGY CORP NEW COM NEW 26441C204   260,878 2,688 SH   SOLE   0 0 2,688
EA SERIES TRUST STRIVE 500 ETF 02072L680   296,551 9,701 SH   SOLE   0 0 9,701
EA SERIES TRUST STRIVE SML CAP 02072L573   384,260 13,228 SH   SOLE   0 0 13,228
EA SERIES TRUST STRIVE EMERGING 02072L698   283,460 10,189 SH   SOLE   0 0 10,189
EATON CORP PLC SHS G29183103   1,487,064 6,175 SH   SOLE   0 0 6,175
ELEVANCE HEALTH INC COM 036752103   716,300 1,519 SH   SOLE   0 0 1,519
ELI LILLY & CO COM 532457108   2,905,068 4,984 SH   SOLE   0 0 4,984
EMERSON ELEC CO COM 291011104   584,805 6,008 SH   SOLE   0 0 6,008
ENBRIDGE INC COM 29250N105   266,224 7,391 SH   SOLE   0 0 7,391
EOG RES INC COM 26875P101   250,125 2,068 SH   SOLE   0 0 2,068
EQUINIX INC COM 29444U700   404,306 502 SH   SOLE   0 0 502
EXXON MOBIL CORP COM 30231G102   2,083,647 20,841 SH   SOLE   0 0 20,841
FERRARI N V COM N3167Y103   217,272 642 SH   SOLE   0 0 642
FISERV INC COM 337738108   355,878 2,679 SH   SOLE   0 0 2,679
FREEPORT-MCMORAN INC CL B 35671D857   226,387 5,318 SH   SOLE   0 0 5,318
GENERAL DYNAMICS CORP COM 369550108   215,526 830 SH   SOLE   0 0 830
GENERAL ELECTRIC CO COM NEW 369604301   457,426 3,584 SH   SOLE   0 0 3,584
GENERAL MLS INC COM 370334104   265,629 4,078 SH   SOLE   0 0 4,078
GENPACT LIMITED SHS G3922B107   217,666 6,271 SH   SOLE   0 0 6,271
GILEAD SCIENCES INC COM 375558103   358,550 4,426 SH   SOLE   0 0 4,426
GOLDMAN SACHS GROUP INC COM 38141G104   428,391 1,110 SH   SOLE   0 0 1,110
GRAINGER W W INC COM 384802104   377,883 456 SH   SOLE   0 0 456
GREIF INC CL B 397624206   610,809 9,253 SH   SOLE   0 0 9,253
GREIF INC CL A 397624107   769,664 11,734 SH   SOLE   0 0 11,734
HALEON PLC SPON ADS 405552100   107,122 13,016 SH   SOLE   0 0 13,016
HCA HEALTHCARE INC COM 40412C101   240,905 890 SH   SOLE   0 0 890
HEWLETT PACKARD ENTERPRISE C COM 42824C109   211,316 12,445 SH   SOLE   0 0 12,445
HILTON WORLDWIDE HLDGS INC COM 43300A203   249,463 1,370 SH   SOLE   0 0 1,370
HOME DEPOT INC COM 437076102   1,940,375 5,599 SH   SOLE   0 0 5,599
HONEYWELL INTL INC COM 438516106   408,935 1,950 SH   SOLE   0 0 1,950
HSBC HLDGS PLC SPON ADR NEW 404280406   527,952 13,023 SH   SOLE   0 0 13,023
HUMANA INC COM 444859102   268,277 586 SH   SOLE   0 0 586
HUNTINGTON BANCSHARES INC COM 446150104   642,814 50,524 SH   SOLE   0 0 50,524
ICICI BANK LIMITED ADR 45104G104   516,732 21,675 SH   SOLE   0 0 21,675
IDEXX LABS INC COM 45168D104   322,484 581 SH   SOLE   0 0 581
ILLINOIS TOOL WKS INC COM 452308109   577,054 2,203 SH   SOLE   0 0 2,203
INFOSYS LTD SPONSORED ADR 456788108   542,173 29,498 SH   SOLE   0 0 29,498
ING GROEP N.V. SPONSORED ADR 456837103   189,883 12,642 SH   SOLE   0 0 12,642
INOVIO PHARMACEUTICALS INC COM NEW 45773H201   5,100 10,000 SH   SOLE   0 0 10,000
INTEL CORP COM 458140100   1,104,901 21,988 SH   SOLE   0 0 21,988
INTERCONTINENTAL EXCHANGE IN COM 45866F104   386,446 3,009 SH   SOLE   0 0 3,009
INTERNATIONAL BUSINESS MACHS COM 459200101   605,789 3,704 SH   SOLE   0 0 3,704
INTUIT COM 461202103   679,408 1,087 SH   SOLE   0 0 1,087
INTUITIVE SURGICAL INC COM NEW 46120E602   453,074 1,343 SH   SOLE   0 0 1,343
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   536,687 11,324 SH   SOLE   0 0 11,324
INVESCO QQQ TR UNIT SER 1 46090E103   554,351 1,354 SH   SOLE   0 0 1,354
ISHARES GOLD TR ISHARES NEW 464285204   474,649 12,161 SH   SOLE   0 0 12,161
ISHARES INC MSCI GBL MIN VOL 464286525   396,790 3,954 SH   SOLE   0 0 3,954
ISHARES INC CORE MSCI EMKT 46434G103   10,461,556 206,832 SH   SOLE   0 0 206,832
ISHARES INC ESG AWR MSCI EM 46434G863   280,161 8,739 SH   SOLE   0 0 8,739
ISHARES INC MSCI EMRG CHN 46434G764   234,140 4,226 SH   SOLE   0 0 4,226
ISHARES TR CORE S&P MCP ETF 464287507   45,619,650 164,603 SH   SOLE   0 0 164,603
ISHARES TR CORE S&P500 ETF 464287200   50,235,284 105,176 SH   SOLE   0 0 105,176
ISHARES TR RUS 1000 VAL ETF 464287598   255,690 1,547 SH   SOLE   0 0 1,547
ISHARES TR RUS 1000 GRW ETF 464287614   308,718 1,018 SH   SOLE   0 0 1,018
ISHARES TR RUS 2000 VAL ETF 464287630   1,017,383 6,550 SH   SOLE   0 0 6,550
ISHARES TR RUS MD CP GR ETF 464287481   260,947 2,498 SH   SOLE   0 0 2,498
ISHARES TR GLOBAL TECH ETF 464287291   233,585 3,426 SH   SOLE   0 0 3,426
ISHARES TR CORE US AGGBD ET 464287226   49,544,531 499,189 SH   SOLE   0 0 499,189
ISHARES TR ISHS 1-5YR INVS 464288646   25,868,313 504,501 SH   SOLE   0 0 504,501
ISHARES TR NATIONAL MUN ETF 464288414   8,486,948 78,286 SH   SOLE   0 0 78,286
ISHARES TR MSCI ACWI ETF 464288257   226,099 2,222 SH   SOLE   0 0 2,222
ISHARES TR GRWT ALLOCAT ETF 464289867   898,613 16,894 SH   SOLE   0 0 16,894
ISHARES TR SHRT NAT MUN ETF 464288158   5,598,496 53,102 SH   SOLE   0 0 53,102
ISHARES TR MSCI USA MIN VOL 46429B697   584,128 7,486 SH   SOLE   0 0 7,486
ISHARES TR MSCI EAFE MIN VL 46429B689   203,135 2,930 SH   SOLE   0 0 2,930
ISHARES TR CORE MSCI EAFE 46432F842   13,172,013 187,235 SH   SOLE   0 0 187,235
ISHARES TR CORE 1 5 YR USD 46432F859   2,345,707 49,321 SH   SOLE   0 0 49,321
ISHARES TR GLOBAL REIT ETF 46434V647   26,479,423 1,095,096 SH   SOLE   0 0 1,095,096
ISHARES TR CORE INTL AGGR 46435G672   7,666,149 153,939 SH   SOLE   0 0 153,939
ISHARES TR ESG AW MSCI EAFE 46435G516   376,534 4,985 SH   SOLE   0 0 4,985
ISHARES TR ESG AWR MSCI USA 46435G425   282,881 2,696 SH   SOLE   0 0 2,696
ISHARES TR ESG AWARE MSCI 46435U663   242,932 6,391 SH   SOLE   0 0 6,391
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   85,124 12,248 SH   SOLE   0 0 12,248
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,221,227 24,313 SH   SOLE   0 0 24,313
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   7,520,434 148,215 SH   SOLE   0 0 148,215
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   559,310 10,173 SH   SOLE   0 0 10,173
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   454,389 9,101 SH   SOLE   0 0 9,101
JAMES HARDIE INDS PLC SPONSORED ADR 47030M106   208,625 5,395 SH   SOLE   0 0 5,395
JETBLUE AWYS CORP COM 477143101   65,484 11,799 SH   SOLE   0 0 11,799
JOHNSON & JOHNSON COM 478160104   2,314,390 14,766 SH   SOLE   0 0 14,766
JPMORGAN CHASE & CO COM 46625H100   6,491,299 38,162 SH   SOLE   0 0 38,162
KB FINL GROUP INC SPONSORED ADR 48241A105   363,311 8,782 SH   SOLE   0 0 8,782
KENVUE INC COM 49177J102   265,486 12,331 SH   SOLE   0 0 12,331
KIMBERLY-CLARK CORP COM 494368103   339,637 2,795 SH   SOLE   0 0 2,795
KINROSS GOLD CORP COM 496902404   78,438 12,965 SH   SOLE   0 0 12,965
KLA CORP COM NEW 482480100   268,561 462 SH   SOLE   0 0 462
KOREA ELEC PWR CORP SPONSORED ADR 500631106   152,518 21,037 SH   SOLE   0 0 21,037
KROGER CO COM 501044101   259,724 5,682 SH   SOLE   0 0 5,682
KT CORP SPONSORED ADR 48268K101   210,591 15,669 SH   SOLE   0 0 15,669
L3HARRIS TECHNOLOGIES INC COM 502431109   234,841 1,115 SH   SOLE   0 0 1,115
LAM RESEARCH CORP COM 512807108   498,937 637 SH   SOLE   0 0 637
LG DISPLAY CO LTD SPONS ADR REP 50186V102   125,527 26,043 SH   SOLE   0 0 26,043
LINDE PLC SHS G54950103   890,419 2,168 SH   SOLE   0 0 2,168
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   80,708 33,769 SH   SOLE   0 0 33,769
LOCKHEED MARTIN CORP COM 539830109   608,442 1,342 SH   SOLE   0 0 1,342
LOWES COS INC COM 548661107   927,993 4,170 SH   SOLE   0 0 4,170
MANULIFE FINL CORP COM 56501R106   203,828 9,223 SH   SOLE   0 0 9,223
MARATHON PETE CORP COM 56585A102   391,670 2,640 SH   SOLE   0 0 2,640
MARRIOTT INTL INC NEW CL A 571903202   294,742 1,307 SH   SOLE   0 0 1,307
MARSH & MCLENNAN COS INC COM 571748102   414,939 2,190 SH   SOLE   0 0 2,190
MARTIN MARIETTA MATLS INC COM 573284106   207,547 416 SH   SOLE   0 0 416
MASTERCARD INCORPORATED CL A 57636Q104   1,681,302 3,942 SH   SOLE   0 0 3,942
MCDONALDS CORP COM 580135101   962,661 3,247 SH   SOLE   0 0 3,247
MCKESSON CORP COM 58155Q103   401,979 868 SH   SOLE   0 0 868
MEDPACE HLDGS INC COM 58506Q109   721,572 2,354 SH   SOLE   0 0 2,354
MERCK & CO INC COM 58933Y105   1,367,518 12,544 SH   SOLE   0 0 12,544
META PLATFORMS INC CL A 30303M102   3,140,687 8,873 SH   SOLE   0 0 8,873
MICRON TECHNOLOGY INC COM 595112103   325,401 3,813 SH   SOLE   0 0 3,813
MICROSOFT CORP COM 594918104   14,654,324 38,970 SH   SOLE   0 0 38,970
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   209,929 24,382 SH   SOLE   0 0 24,382
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   192,021 55,820 SH   SOLE   0 0 55,820
MONDELEZ INTL INC CL A 609207105   352,010 4,860 SH   SOLE   0 0 4,860
MONSTER BEVERAGE CORP NEW COM 61174X109   233,321 4,050 SH   SOLE   0 0 4,050
MOODYS CORP COM 615369105   382,358 979 SH   SOLE   0 0 979
MORGAN STANLEY COM NEW 617446448   476,974 5,115 SH   SOLE   0 0 5,115
MSCI INC COM 55354G100   244,926 433 SH   SOLE   0 0 433
NETEASE INC SPONSORED ADS 64110W102   224,981 2,415 SH   SOLE   0 0 2,415
NETFLIX INC COM 64110L106   982,037 2,017 SH   SOLE   0 0 2,017
NEXTERA ENERGY INC COM 65339F101   703,066 11,575 SH   SOLE   0 0 11,575
NIKE INC CL B 654106103   481,949 4,439 SH   SOLE   0 0 4,439
NIO INC SPON ADS 62914V106   113,810 12,548 SH   SOLE   0 0 12,548
NISOURCE INC COM 65473P105   229,678 8,651 SH   SOLE   0 0 8,651
NOKIA CORP SPONSORED ADR 654902204   79,098 23,128 SH   SOLE   0 0 23,128
NOMURA HLDGS INC SPONSORED ADR 65535H208   152,145 33,735 SH   SOLE   0 0 33,735
NORTHROP GRUMMAN CORP COM 666807102   346,424 740 SH   SOLE   0 0 740
NOVARTIS AG SPONSORED ADR 66987V109   777,772 7,703 SH   SOLE   0 0 7,703
NOVO-NORDISK A S ADR 670100205   1,214,503 11,740 SH   SOLE   0 0 11,740
NUCOR CORP COM 670346105   220,335 1,266 SH   SOLE   0 0 1,266
NVIDIA CORPORATION COM 67066G104   6,439,978 13,004 SH   SOLE   0 0 13,004
OLD DOMINION FREIGHT LINE IN COM 679580100   239,955 592 SH   SOLE   0 0 592
ORACLE CORP COM 68389X105   1,381,555 13,104 SH   SOLE   0 0 13,104
OREILLY AUTOMOTIVE INC COM 67103H107   288,824 304 SH   SOLE   0 0 304
PACCAR INC COM 693718108   246,859 2,528 SH   SOLE   0 0 2,528
PALO ALTO NETWORKS INC COM 697435105   239,738 813 SH   SOLE   0 0 813
PARKER-HANNIFIN CORP COM 701094104   230,350 500 SH   SOLE   0 0 500
PDD HOLDINGS INC SPONSORED ADS 722304102   340,610 2,328 SH   SOLE   0 0 2,328
PEPSICO INC COM 713448108   1,448,587 8,529 SH   SOLE   0 0 8,529
PFIZER INC COM 717081103   737,246 25,608 SH   SOLE   0 0 25,608
PHILIP MORRIS INTL INC COM 718172109   384,476 4,087 SH   SOLE   0 0 4,087
PHILLIPS 66 COM 718546104   403,680 3,032 SH   SOLE   0 0 3,032
PNC FINL SVCS GROUP INC COM 693475105   217,874 1,407 SH   SOLE   0 0 1,407
POSCO HOLDINGS INC SPONSORED ADR 693483109   378,538 3,980 SH   SOLE   0 0 3,980
PROCTER AND GAMBLE CO COM 742718109   4,741,594 32,357 SH   SOLE   0 0 32,357
PROGRESSIVE CORP COM 743315103   396,448 2,489 SH   SOLE   0 0 2,489
PROLOGIS INC. COM 74340W103   627,062 4,704 SH   SOLE   0 0 4,704
PRUDENTIAL FINL INC COM 744320102   206,383 1,990 SH   SOLE   0 0 1,990
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   265,966 4,349 SH   SOLE   0 0 4,349
QUALCOMM INC COM 747525103   464,696 3,213 SH   SOLE   0 0 3,213
REGENERON PHARMACEUTICALS COM 75886F107   295,984 337 SH   SOLE   0 0 337
RELX PLC SPONSORED ADR 759530108   285,909 7,209 SH   SOLE   0 0 7,209
REPUBLIC SVCS INC COM 760759100   220,650 1,338 SH   SOLE   0 0 1,338
ROPER TECHNOLOGIES INC COM 776696106   331,463 608 SH   SOLE   0 0 608
ROYAL BK CDA COM 780087102   335,650 3,319 SH   SOLE   0 0 3,319
RTX CORPORATION COM 75513E101   356,249 4,234 SH   SOLE   0 0 4,234
S&P GLOBAL INC COM 78409V104   706,594 1,604 SH   SOLE   0 0 1,604
SALESFORCE INC COM 79466L302   1,095,189 4,162 SH   SOLE   0 0 4,162
SANOFI SPONSORED ADR 80105N105   284,953 5,730 SH   SOLE   0 0 5,730
SAP SE SPON ADR 803054204   575,229 3,721 SH   SOLE   0 0 3,721
SCHWAB CHARLES CORP COM 808513105   499,031 7,253 SH   SOLE   0 0 7,253
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   293,746 5,277 SH   SOLE   0 0 5,277
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   244,496 6,615 SH   SOLE   0 0 6,615
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   39,601 838 SH   SOLE   0 0 838
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   462,186 6,071 SH   SOLE   0 0 6,071
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   317,565 9,415 SH   SOLE   0 0 9,415
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   220,933 1,148 SH   SOLE   0 0 1,148
SERVICENOW INC COM 81762P102   2,219,085 3,141 SH   SOLE   0 0 3,141
SHELL PLC SPON ADS 780259305   561,940 8,540 SH   SOLE   0 0 8,540
SHERWIN WILLIAMS CO COM 824348106   659,357 2,114 SH   SOLE   0 0 2,114
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   419,131 13,617 SH   SOLE   0 0 13,617
SHOPIFY INC CL A 82509L107   650,777 8,354 SH   SOLE   0 0 8,354
SMUCKER J M CO COM NEW 832696405   201,793 1,597 SH   SOLE   0 0 1,597
SONY GROUP CORP SPONSORED ADR 835699307   590,013 6,231 SH   SOLE   0 0 6,231
SOUTHERN COPPER CORP COM 84265V105   222,835 2,589 SH   SOLE   0 0 2,589
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   224,396 595 SH   SOLE   0 0 595
SPDR GOLD TR GOLD SHS 78463V107   662,595 3,466 SH   SOLE   0 0 3,466
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   305,591 6,991 SH   SOLE   0 0 6,991
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,674,818 3,524 SH   SOLE   0 0 3,524
SPDR SER TR S&P DIVID ETF 78464A763   2,110,563 16,889 SH   SOLE   0 0 16,889
SPDR SER TR PORTFOLIO INTRMD 78464A375   302,554 9,216 SH   SOLE   0 0 9,216
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   1,183,868 28,568 SH   SOLE   0 0 28,568
STARBUCKS CORP COM 855244109   597,520 6,224 SH   SOLE   0 0 6,224
STMICROELECTRONICS N V NY REGISTRY 861012102   206,034 4,110 SH   SOLE   0 0 4,110
STRYKER CORPORATION COM 863667101   383,012 1,279 SH   SOLE   0 0 1,279
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   398,468 41,164 SH   SOLE   0 0 41,164
SUN LIFE FINANCIAL INC. COM 866796105   256,033 4,937 SH   SOLE   0 0 4,937
SYNOPSYS INC COM 871607107   497,403 966 SH   SOLE   0 0 966
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,723,072 16,568 SH   SOLE   0 0 16,568
TARGET CORP COM 87612E106   555,865 3,903 SH   SOLE   0 0 3,903
TELEFONICA S A SPONSORED ADR 879382208   48,914 12,542 SH   SOLE   0 0 12,542
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109   97,407 10,811 SH   SOLE   0 0 10,811
TESLA INC COM 88160R101   3,027,729 12,185 SH   SOLE   0 0 12,185
TEXAS INSTRS INC COM 882508104   942,985 5,532 SH   SOLE   0 0 5,532
THE CIGNA GROUP COM 125523100   637,156 2,128 SH   SOLE   0 0 2,128
THERMO FISHER SCIENTIFIC INC COM 883556102   1,081,772 2,038 SH   SOLE   0 0 2,038
THOMSON REUTERS CORP. COM 884903808   311,887 2,133 SH   SOLE   0 0 2,133
TJX COS INC NEW COM 872540109   575,149 6,131 SH   SOLE   0 0 6,131
T-MOBILE US INC COM 872590104   405,813 2,531 SH   SOLE   0 0 2,531
TORONTO DOMINION BK ONT COM NEW 891160509   378,867 5,863 SH   SOLE   0 0 5,863
TOTALENERGIES SE SPONSORED ADS 89151E109   460,812 6,839 SH   SOLE   0 0 6,839
TOYOTA MOTOR CORP ADS 892331307   507,412 2,767 SH   SOLE   0 0 2,767
TRAVELERS COMPANIES INC COM 89417E109   314,118 1,649 SH   SOLE   0 0 1,649
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   131,477 27,334 SH   SOLE   0 0 27,334
UBER TECHNOLOGIES INC COM 90353T100   287,901 4,676 SH   SOLE   0 0 4,676
UBS GROUP AG SHS H42097107   472,894 15,304 SH   SOLE   0 0 15,304
ULTRAPAR PARTICIPACOES SA SP ADR REP COM 90400P101   62,428 11,518 SH   SOLE   0 0 11,518
UNILEVER PLC SPON ADR NEW 904767704   370,328 7,639 SH   SOLE   0 0 7,639
UNION PAC CORP COM 907818108   796,942 3,245 SH   SOLE   0 0 3,245
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   442,788 52,339 SH   SOLE   0 0 52,339
UNITED PARCEL SERVICE INC CL B 911312106   5,474,238 34,817 SH   SOLE   0 0 34,817
UNITED RENTALS INC COM 911363109   251,731 439 SH   SOLE   0 0 439
UNITEDHEALTH GROUP INC COM 91324P102   2,558,816 4,860 SH   SOLE   0 0 4,860
US BANCORP DEL COM NEW 902973304   299,194 6,913 SH   SOLE   0 0 6,913
VANECK MERK GOLD TR GOLD TRUST 921078101   3,348,849 167,778 SH   SOLE   0 0 167,778
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   23,999,090 311,596 SH   SOLE   0 0 311,596
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,039,029 163,685 SH   SOLE   0 0 163,685
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   32,654,568 661,492 SH   SOLE   0 0 661,492
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,728,771 19,934 SH   SOLE   0 0 19,934
VANGUARD INDEX FDS VALUE ETF 922908744   1,470,649 9,837 SH   SOLE   0 0 9,837
VANGUARD INDEX FDS MID CAP ETF 922908629   8,203,608 35,263 SH   SOLE   0 0 35,263
VANGUARD INDEX FDS SM CP VAL ETF 922908611   64,079,354 356,056 SH   SOLE   0 0 356,056
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,989,645 56,470 SH   SOLE   0 0 56,470
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,626,306 49,812 SH   SOLE   0 0 49,812
VANGUARD INDEX FDS GROWTH ETF 922908736   744,822 2,396 SH   SOLE   0 0 2,396
VANGUARD INDEX FDS SML CP GRW ETF 922908595   262,421 1,085 SH   SOLE   0 0 1,085
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,726,550 12,499 SH   SOLE   0 0 12,499
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,062,695 4,722 SH   SOLE   0 0 4,722
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   41,934,968 1,020,316 SH   SOLE   0 0 1,020,316
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   6,864,934 122,282 SH   SOLE   0 0 122,282
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,353,246 20,458 SH   SOLE   0 0 20,458
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,331,686 42,104 SH   SOLE   0 0 42,104
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,063,031 216,710 SH   SOLE   0 0 216,710
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   728,355 9,414 SH   SOLE   0 0 9,414
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   41,274,913 242,224 SH   SOLE   0 0 242,224
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   67,958,419 1,418,756 SH   SOLE   0 0 1,418,756
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   532,830 4,773 SH   SOLE   0 0 4,773
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,720,780 59,501 SH   SOLE   0 0 59,501
VANGUARD WORLD FD MEGA CAP INDEX 921910873   266,785 1,576 SH   SOLE   0 0 1,576
VANGUARD WORLD FD ESG US STK ETF 921910733   601,463 7,071 SH   SOLE   0 0 7,071
VANGUARD WORLD FD ESG INTL STK ETF 921910725   108,684 1,966 SH   SOLE   0 0 1,966
VANGUARD WORLD FDS ENERGY ETF 92204A306   484,094 4,128 SH   SOLE   0 0 4,128
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   283,490 1,131 SH   SOLE   0 0 1,131
VANGUARD WORLD FDS INF TECH ETF 92204A702   585,315 1,209 SH   SOLE   0 0 1,209
VERIZON COMMUNICATIONS INC COM 92343V104   486,742 12,911 SH   SOLE   0 0 12,911
VERTEX PHARMACEUTICALS INC COM 92532F100   316,154 777 SH   SOLE   0 0 777
VISA INC COM CL A 92826C839   2,196,351 8,436 SH   SOLE   0 0 8,436
WABTEC COM 929740108   202,845 1,598 SH   SOLE   0 0 1,598
WALMART INC COM 931142103   902,549 5,725 SH   SOLE   0 0 5,725
WASTE MGMT INC DEL COM 94106L109   325,246 1,816 SH   SOLE   0 0 1,816
WELLS FARGO CO NEW COM 949746101   385,147 7,825 SH   SOLE   0 0 7,825
WELLTOWER INC COM 95040Q104   294,946 3,271 SH   SOLE   0 0 3,271
WIPRO LTD SPON ADR 1 SH 97651M109   417,722 74,995 SH   SOLE   0 0 74,995
WOORI FINL GROUP INC SPONSORED ADS 981064108   349,766 11,574 SH   SOLE   0 0 11,574
WORKDAY INC CL A 98138H101   286,550 1,038 SH   SOLE   0 0 1,038
WORLD GOLD TR SPDR GLD MINIS 98149E303   399,854 9,774 SH   SOLE   0 0 9,774
WORTHINGTON ENTERPRISES INC COM 981811102   728,743 12,663 SH   SOLE   0 0 12,663
WORTHINGTON STL INC COM SHS 982104101   355,465 12,650 SH   SOLE   0 0 12,650
YUM BRANDS INC COM 988498101   236,495 1,810 SH   SOLE   0 0 1,810
ZOETIS INC CL A 98978V103   412,109 2,088 SH   SOLE   0 0 2,088