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   348,673 3,287 SH   SOLE   0 0 3,287
ABBOTT LABS COM 002824100   12,874,755 113,274 SH   SOLE   0 0 113,274
ABBVIE INC COM 00287Y109   18,860,314 103,571 SH   SOLE   0 0 103,571
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   874,497 2,523 SH   SOLE   0 0 2,523
ADOBE INC COM 00724F101   1,706,564 3,382 SH   SOLE   0 0 3,382
ADVANCED MICRO DEVICES INC COM 007903107   1,037,998 5,751 SH   SOLE   0 0 5,751
AEGON LTD AMER REG 1 CERT 0076CA104   69,109 11,423 SH   SOLE   0 0 11,423
AFLAC INC COM 001055102   237,063 2,761 SH   SOLE   0 0 2,761
AGILON HEALTH INC COM 00857U107   175,887 28,834 SH   SOLE   0 0 28,834
AIR PRODS & CHEMS INC COM 009158106   228,945 945 SH   SOLE   0 0 945
AIRBNB INC COM CL A 009066101   375,119 2,274 SH   SOLE   0 0 2,274
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   348,341 4,814 SH   SOLE   0 0 4,814
ALLSTATE CORP COM 020002101   304,695 1,761 SH   SOLE   0 0 1,761
ALPHABET INC CAP STK CL C 02079K107   4,375,952 28,740 SH   SOLE   0 0 28,740
ALPHABET INC CAP STK CL A 02079K305   4,256,377 28,201 SH   SOLE   0 0 28,201
ALTRIA GROUP INC COM 02209S103   338,537 7,761 SH   SOLE   0 0 7,761
AMAZON COM INC COM 023135106   7,347,960 40,736 SH   SOLE   0 0 40,736
AMBEV SA SPONSORED ADR 02319V103   75,598 30,483 SH   SOLE   0 0 30,483
AMERICAN ELEC PWR CO INC COM 025537101   658,407 7,647 SH   SOLE   0 0 7,647
AMERICAN EXPRESS CO COM 025816109   663,688 2,915 SH   SOLE   0 0 2,915
AMERICAN INTL GROUP INC COM NEW 026874784   296,811 3,797 SH   SOLE   0 0 3,797
AMERICAN TOWER CORP NEW COM 03027X100   414,149 2,096 SH   SOLE   0 0 2,096
AMERIPRISE FINL INC COM 03076C106   339,791 775 SH   SOLE   0 0 775
AMETEK INC COM 031100100   256,060 1,400 SH   SOLE   0 0 1,400
AMGEN INC COM 031162100   609,866 2,145 SH   SOLE   0 0 2,145
AMPHENOL CORP NEW CL A 032095101   674,798 5,850 SH   SOLE   0 0 5,850
ANALOG DEVICES INC COM 032654105   358,791 1,814 SH   SOLE   0 0 1,814
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   241,965 3,981 SH   SOLE   0 0 3,981
AON PLC SHS CL A G0403H108   277,655 832 SH   SOLE   0 0 832
APPLE INC COM 037833100   15,776,788 92,004 SH   SOLE   0 0 92,004
APPLIED MATLS INC COM 038222105   774,385 3,755 SH   SOLE   0 0 3,755
APTOSE BIOSCIENCES INC COM 03835T309   16,600 10,000 SH   SOLE   0 0 10,000
ARISTA NETWORKS INC COM 040413106   406,842 1,403 SH   SOLE   0 0 1,403
ARK ETF TR INNOVATION ETF 00214Q104   203,627 4,066 SH   SOLE   0 0 4,066
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   376,726 34,279 SH   SOLE   0 0 34,279
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,289,755 1,329 SH   SOLE   0 0 1,329
ASTRAZENECA PLC SPONSORED ADR 046353108   722,893 10,670 SH   SOLE   0 0 10,670
AT&T INC COM 00206R102   529,135 30,064 SH   SOLE   0 0 30,064
AUTODESK INC COM 052769106   236,201 907 SH   SOLE   0 0 907
AUTOMATIC DATA PROCESSING IN COM 053015103   890,883 3,567 SH   SOLE   0 0 3,567
AUTOZONE INC COM 053332102   400,260 127 SH   SOLE   0 0 127
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   321,349 27,141 SH   SOLE   0 0 27,141
BANCO BRADESCO S A SP ADR PFD NEW 059460303   130,161 45,511 SH   SOLE   0 0 45,511
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107   78,461 13,717 SH   SOLE   0 0 13,717
BANCO SANTANDER S.A. ADR 05964H105   245,432 50,709 SH   SOLE   0 0 50,709
BANK AMERICA CORP COM 060505104   836,364 22,056 SH   SOLE   0 0 22,056
BANK MONTREAL QUE COM 063671101   358,876 3,674 SH   SOLE   0 0 3,674
BANK NOVA SCOTIA HALIFAX COM 064149107   303,327 5,858 SH   SOLE   0 0 5,858
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   250,884 8,067 SH   SOLE   0 0 8,067
BATH & BODY WORKS INC COM 070830104   724,890 14,492 SH   SOLE   0 0 14,492
BECTON DICKINSON & CO COM 075887109   374,453 1,513 SH   SOLE   0 0 1,513
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   8,759,852 20,831 SH   SOLE   0 0 20,831
BHP GROUP LTD SPONSORED ADS 088606108   370,947 6,430 SH   SOLE   0 0 6,430
BICYCLE THERAPEUTICS PLC SPONSORED ADS 088786108   210,405 8,450 SH   SOLE   0 0 8,450
BLACKROCK INC COM 09247X101   486,047 583 SH   SOLE   0 0 583
BLACKSTONE INC COM 09260D107   258,273 1,966 SH   SOLE   0 0 1,966
BOEING CO COM 097023105   529,758 2,745 SH   SOLE   0 0 2,745
BOOKING HOLDINGS INC COM 09857L108   700,181 193 SH   SOLE   0 0 193
BOSTON SCIENTIFIC CORP COM 101137107   375,257 5,479 SH   SOLE   0 0 5,479
BP PLC SPONSORED ADR 055622104   310,566 8,242 SH   SOLE   0 0 8,242
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   61,546 12,822 SH   SOLE   0 0 12,822
BRISTOL-MYERS SQUIBB CO COM 110122108   396,026 7,303 SH   SOLE   0 0 7,303
BROADCOM INC COM 11135F101   2,573,946 1,942 SH   SOLE   0 0 1,942
CADENCE DESIGN SYSTEM INC COM 127387108   439,839 1,413 SH   SOLE   0 0 1,413
CAMECO CORP COM 13321L108   296,309 6,840 SH   SOLE   0 0 6,840
CANADIAN IMPERIAL BK COMM TO COM 136069101   203,996 4,022 SH   SOLE   0 0 4,022
CANADIAN NAT RES LTD COM 136385101   330,771 4,334 SH   SOLE   0 0 4,334
CANADIAN NATL RY CO COM 136375102   619,564 4,704 SH   SOLE   0 0 4,704
CANADIAN PACIFIC KANSAS CITY COM 13646K108   347,919 3,946 SH   SOLE   0 0 3,946
CAPITAL ONE FINL CORP COM 14040H105   248,051 1,666 SH   SOLE   0 0 1,666
CAPITOL FED FINL INC COM 14057J101   77,981 13,084 SH   SOLE   0 0 13,084
CARDINAL HEALTH INC COM 14149Y108   785,140 7,016 SH   SOLE   0 0 7,016
CARRIER GLOBAL CORPORATION COM 14448C104   229,846 3,954 SH   SOLE   0 0 3,954
CATERPILLAR INC COM 149123101   814,433 2,223 SH   SOLE   0 0 2,223
CDW CORP COM 12514G108   288,008 1,126 SH   SOLE   0 0 1,126
CEMEX SAB DE CV SPON ADR NEW 151290889   142,232 15,786 SH   SOLE   0 0 15,786
CENCORA INC COM 03073E105   262,186 1,079 SH   SOLE   0 0 1,079
CENTENE CORP DEL COM 15135B101   289,513 3,689 SH   SOLE   0 0 3,689
CHARGEPOINT HOLDINGS INC COM CL A 15961R105   30,885 16,255 SH   SOLE   0 0 16,255
CHENIERE ENERGY INC COM NEW 16411R208   236,436 1,466 SH   SOLE   0 0 1,466
CHEVRON CORP NEW COM 166764100   1,366,344 8,662 SH   SOLE   0 0 8,662
CHIPOTLE MEXICAN GRILL INC COM 169656105   273,236 94 SH   SOLE   0 0 94
CHUBB LIMITED COM H1467J104   605,069 2,335 SH   SOLE   0 0 2,335
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   494,103 12,624 SH   SOLE   0 0 12,624
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   60,048 24,311 SH   SOLE   0 0 24,311
CINCINNATI FINL CORP COM 172062101   2,315,554 18,648 SH   SOLE   0 0 18,648
CINTAS CORP COM 172908105   305,041 444 SH   SOLE   0 0 444
CISCO SYS INC COM 17275R102   982,643 19,688 SH   SOLE   0 0 19,688
CITIGROUP INC COM NEW 172967424   336,879 5,327 SH   SOLE   0 0 5,327
CME GROUP INC COM 12572Q105   504,209 2,342 SH   SOLE   0 0 2,342
COCA COLA CO COM 191216100   3,666,326 59,927 SH   SOLE   0 0 59,927
COLGATE PALMOLIVE CO COM 194162103   253,581 2,816 SH   SOLE   0 0 2,816
COMCAST CORP NEW CL A 20030N101   1,021,900 23,573 SH   SOLE   0 0 23,573
CONOCOPHILLIPS COM 20825C104   1,161,939 9,129 SH   SOLE   0 0 9,129
CONSOLIDATED EDISON INC COM 209115104   226,208 2,491 SH   SOLE   0 0 2,491
CONSTELLATION ENERGY CORP COM 21037T109   318,681 1,724 SH   SOLE   0 0 1,724
COPART INC COM 217204106   262,841 4,538 SH   SOLE   0 0 4,538
COSTCO WHSL CORP NEW COM 22160K105   1,494,212 2,040 SH   SOLE   0 0 2,040
CRH PLC ORD G25508105   360,998 4,185 SH   SOLE   0 0 4,185
CROWDSTRIKE HLDGS INC CL A 22788C105   341,749 1,066 SH   SOLE   0 0 1,066
CROWN CASTLE INC COM 22822V101   244,050 2,306 SH   SOLE   0 0 2,306
CSX CORP COM 126408103   320,977 8,659 SH   SOLE   0 0 8,659
CUMMINS INC COM 231021106   223,934 760 SH   SOLE   0 0 760
CVS HEALTH CORP COM 126650100   317,764 3,984 SH   SOLE   0 0 3,984
CYBIN INC COM 23256X100   476,815 1,153,120 SH   SOLE   0 0 1,153,120
DANAHER CORPORATION COM 235851102   872,022 3,492 SH   SOLE   0 0 3,492
DEERE & CO COM 244199105   2,617,810 6,373 SH   SOLE   0 0 6,373
DIAGEO PLC SPON ADR NEW 25243Q205   280,268 1,884 SH   SOLE   0 0 1,884
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   217,786 3,494 SH   SOLE   0 0 3,494
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   243,609 4,275 SH   SOLE   0 0 4,275
DISCOVER FINL SVCS COM 254709108   210,006 1,602 SH   SOLE   0 0 1,602
DISNEY WALT CO COM 254687106   846,107 6,915 SH   SOLE   0 0 6,915
DOLLAR GEN CORP NEW COM 256677105   201,907 1,294 SH   SOLE   0 0 1,294
DR REDDYS LABS LTD ADR 256135203   416,921 5,684 SH   SOLE   0 0 5,684
DUKE ENERGY CORP NEW COM NEW 26441C204   277,181 2,866 SH   SOLE   0 0 2,866
EA SERIES TRUST STRIVE 500 ETF 02072L680   327,489 9,729 SH   SOLE   0 0 9,729
EA SERIES TRUST STRIVE EMERGING 02072L698   292,519 10,189 SH   SOLE   0 0 10,189
EA SERIES TRUST STRIVE SML CAP 02072L573   397,623 13,262 SH   SOLE   0 0 13,262
EATON CORP PLC SHS G29183103   1,963,943 6,281 SH   SOLE   0 0 6,281
ELEVANCE HEALTH INC COM 036752103   844,702 1,629 SH   SOLE   0 0 1,629
ELI LILLY & CO COM 532457108   3,940,189 5,065 SH   SOLE   0 0 5,065
EMERSON ELEC CO COM 291011104   690,672 6,090 SH   SOLE   0 0 6,090
ENBRIDGE INC COM 29250N105   295,699 8,173 SH   SOLE   0 0 8,173
EOG RES INC COM 26875P101   275,112 2,152 SH   SOLE   0 0 2,152
EQUINIX INC COM 29444U700   429,997 521 SH   SOLE   0 0 521
EXXON MOBIL CORP COM 30231G102   2,513,299 21,622 SH   SOLE   0 0 21,622
FERRARI N V COM N3167Y103   323,467 742 SH   SOLE   0 0 742
FIRST MERCHANTS CORP COM 320817109   230,200 6,596 SH   SOLE   0 0 6,596
FISERV INC COM 337738108   450,053 2,816 SH   SOLE   0 0 2,816
FORD MTR CO DEL COM 345370860   154,788 11,656 SH   SOLE   0 0 11,656
FORTINET INC COM 34959E109   200,012 2,928 SH   SOLE   0 0 2,928
FREEPORT-MCMORAN INC CL B 35671D857   275,631 5,862 SH   SOLE   0 0 5,862
GENERAL DYNAMICS CORP COM 369550108   238,704 845 SH   SOLE   0 0 845
GENERAL ELECTRIC CO COM NEW 369604301   815,161 4,644 SH   SOLE   0 0 4,644
GENERAL MLS INC COM 370334104   295,081 4,217 SH   SOLE   0 0 4,217
GENPACT LIMITED SHS G3922B107   252,331 7,658 SH   SOLE   0 0 7,658
GILEAD SCIENCES INC COM 375558103   348,817 4,762 SH   SOLE   0 0 4,762
GOLDMAN SACHS GROUP INC COM 38141G104   467,584 1,119 SH   SOLE   0 0 1,119
GRAINGER W W INC COM 384802104   478,131 470 SH   SOLE   0 0 470
GREIF INC CL B 397624206   635,224 9,137 SH   SOLE   0 0 9,137
GREIF INC CL A 397624107   519,304 7,521 SH   SOLE   0 0 7,521
GSK PLC SPONSORED ADR 37733W204   218,380 5,094 SH   SOLE   0 0 5,094
HALEON PLC SPON ADS 405552100   108,502 12,780 SH   SOLE   0 0 12,780
HARTFORD FINL SVCS GROUP INC COM 416515104   234,130 2,272 SH   SOLE   0 0 2,272
HCA HEALTHCARE INC COM 40412C101   301,178 903 SH   SOLE   0 0 903
HEWLETT PACKARD ENTERPRISE C COM 42824C109   229,639 12,952 SH   SOLE   0 0 12,952
HILTON WORLDWIDE HLDGS INC COM 43300A203   295,221 1,384 SH   SOLE   0 0 1,384
HOME DEPOT INC COM 437076102   2,175,058 5,670 SH   SOLE   0 0 5,670
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   424,757 11,409 SH   SOLE   0 0 11,409
HONEYWELL INTL INC COM 438516106   442,109 2,154 SH   SOLE   0 0 2,154
HSBC HLDGS PLC SPON ADR NEW 404280406   524,866 13,335 SH   SOLE   0 0 13,335
HUNTINGTON BANCSHARES INC COM 446150104   838,118 60,080 SH   SOLE   0 0 60,080
ICICI BANK LIMITED ADR 45104G104   608,434 23,038 SH   SOLE   0 0 23,038
ICL GROUP LTD SHS M53213100   98,653 18,337 SH   SOLE   0 0 18,337
IDEXX LABS INC COM 45168D104   318,019 589 SH   SOLE   0 0 589
ILLINOIS TOOL WKS INC COM 452308109   587,374 2,189 SH   SOLE   0 0 2,189
INFOSYS LTD SPONSORED ADR 456788108   555,633 30,989 SH   SOLE   0 0 30,989
ING GROEP N.V. SPONSORED ADR 456837103   212,193 12,868 SH   SOLE   0 0 12,868
INSTALLED BLDG PRODS INC COM 45780R101   220,955 854 SH   SOLE   0 0 854
INTEL CORP COM 458140100   962,932 21,801 SH   SOLE   0 0 21,801
INTERCONTINENTAL EXCHANGE IN COM 45866F104   424,934 3,092 SH   SOLE   0 0 3,092
INTERNATIONAL BUSINESS MACHS COM 459200101   740,925 3,880 SH   SOLE   0 0 3,880
INTUIT COM 461202103   743,600 1,144 SH   SOLE   0 0 1,144
INTUITIVE SURGICAL INC COM NEW 46120E602   553,538 1,387 SH   SOLE   0 0 1,387
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   562,237 11,324 SH   SOLE   0 0 11,324
INVESCO QQQ TR UNIT SER 1 46090E103   627,801 1,414 SH   SOLE   0 0 1,414
ISHARES GOLD TR ISHARES NEW 464285204   507,179 12,073 SH   SOLE   0 0 12,073
ISHARES INC MSCI EMRG CHN 46434G764   305,790 5,312 SH   SOLE   0 0 5,312
ISHARES INC MSCI GBL MIN VOL 464286525   416,244 3,954 SH   SOLE   0 0 3,954
ISHARES INC CORE MSCI EMKT 46434G103   10,494,978 203,391 SH   SOLE   0 0 203,391
ISHARES INC ESG AWR MSCI EM 46434G863   294,152 9,127 SH   SOLE   0 0 9,127
ISHARES TR RUS 1000 GRW ETF 464287614   343,469 1,019 SH   SOLE   0 0 1,019
ISHARES TR ISHS 1-5YR INVS 464288646   27,267,250 531,733 SH   SOLE   0 0 531,733
ISHARES TR RUS MD CP GR ETF 464287481   285,418 2,501 SH   SOLE   0 0 2,501
ISHARES TR CORE S&P500 ETF 464287200   55,175,658 104,951 SH   SOLE   0 0 104,951
ISHARES TR GLOBAL REIT ETF 46434V647   26,960,989 1,138,555 SH   SOLE   0 0 1,138,555
ISHARES TR MSCI EAFE MIN VL 46429B689   207,647 2,930 SH   SOLE   0 0 2,930
ISHARES TR CORE INTL AGGR 46435G672   7,673,974 153,633 SH   SOLE   0 0 153,633
ISHARES TR CORE US AGGBD ET 464287226   51,509,277 525,927 SH   SOLE   0 0 525,927
ISHARES TR ESG AWR MSCI USA 46435G425   284,225 2,472 SH   SOLE   0 0 2,472
ISHARES TR MSCI ACWI ETF 464288257   244,672 2,222 SH   SOLE   0 0 2,222
ISHARES TR CORE 1 5 YR USD 46432F859   2,162,040 45,574 SH   SOLE   0 0 45,574
ISHARES TR GLOBAL TECH ETF 464287291   256,299 3,426 SH   SOLE   0 0 3,426
ISHARES TR SHRT NAT MUN ETF 464288158   5,513,560 52,645 SH   SOLE   0 0 52,645
ISHARES TR GRWT ALLOCAT ETF 464289867   922,568 16,572 SH   SOLE   0 0 16,572
ISHARES TR MSCI USA MIN VOL 46429B697   625,998 7,490 SH   SOLE   0 0 7,490
ISHARES TR RUS 1000 VAL ETF 464287598   277,590 1,550 SH   SOLE   0 0 1,550
ISHARES TR RUSSELL 2000 ETF 464287655   109,566 521 SH   SOLE   0 0 521
ISHARES TR RUS 2000 VAL ETF 464287630   1,041,896 6,561 SH   SOLE   0 0 6,561
ISHARES TR NATIONAL MUN ETF 464288414   8,425,264 78,302 SH   SOLE   0 0 78,302
ISHARES TR ESG AWARE MSCI 46435U663   258,065 6,408 SH   SOLE   0 0 6,408
ISHARES TR ESG AW MSCI EAFE 46435G516   403,031 5,044 SH   SOLE   0 0 5,044
ISHARES TR CORE MSCI EAFE 46432F842   13,756,783 185,351 SH   SOLE   0 0 185,351
ISHARES TR CORE S&P MCP ETF 464287507   50,769,520 835,850 SH   SOLE   0 0 835,850
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   85,010 12,267 SH   SOLE   0 0 12,267
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   7,265,619 143,193 SH   SOLE   0 0 143,193
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,133,909 22,476 SH   SOLE   0 0 22,476
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,005,187 17,373 SH   SOLE   0 0 17,373
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   1,190,499 21,949 SH   SOLE   0 0 21,949
JAMES HARDIE INDS PLC SPONSORED ADR 47030M106   220,345 5,446 SH   SOLE   0 0 5,446
JETBLUE AWYS CORP COM 477143101   103,487 13,947 SH   SOLE   0 0 13,947
JOHNSON & JOHNSON COM 478160104   2,391,642 15,119 SH   SOLE   0 0 15,119
JPMORGAN CHASE & CO COM 46625H100   8,020,785 40,044 SH   SOLE   0 0 40,044
KB FINL GROUP INC SPONSORED ADR 48241A105   443,376 8,515 SH   SOLE   0 0 8,515
KIMBERLY-CLARK CORP COM 494368103   340,393 2,632 SH   SOLE   0 0 2,632
KINROSS GOLD CORP COM 496902404   79,475 12,965 SH   SOLE   0 0 12,965
KLA CORP COM NEW 482480100   327,629 469 SH   SOLE   0 0 469
KOREA ELEC PWR CORP SPONSORED ADR 500631106   195,438 23,462 SH   SOLE   0 0 23,462
KROGER CO COM 501044101   313,415 5,486 SH   SOLE   0 0 5,486
KT CORP SPONSORED ADR 48268K101   216,960 15,475 SH   SOLE   0 0 15,475
L3HARRIS TECHNOLOGIES INC COM 502431109   229,083 1,075 SH   SOLE   0 0 1,075
LAM RESEARCH CORP COM 512807108   626,663 645 SH   SOLE   0 0 645
LG DISPLAY CO LTD SPONS ADR REP 50186V102   128,465 31,333 SH   SOLE   0 0 31,333
LINDE PLC SHS G54950103   1,032,648 2,224 SH   SOLE   0 0 2,224
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   83,621 32,286 SH   SOLE   0 0 32,286
LOCKHEED MARTIN CORP COM 539830109   637,534 1,402 SH   SOLE   0 0 1,402
LOWES COS INC COM 548661107   1,108,413 4,351 SH   SOLE   0 0 4,351
LUFAX HOLDING LTD SPONSORED ADR 54975P201   77,770 18,429 SH   SOLE   0 0 18,429
MANHATTAN BRDG CAP INC COM 562803106   97,568 98,529 SH   SOLE   0 0 98,529
MANULIFE FINL CORP COM 56501R106   245,502 9,824 SH   SOLE   0 0 9,824
MARATHON PETE CORP COM 56585A102   551,506 2,737 SH   SOLE   0 0 2,737
MARRIOTT INTL INC NEW CL A 571903202   321,191 1,273 SH   SOLE   0 0 1,273
MARSH & MCLENNAN COS INC COM 571748102   522,777 2,538 SH   SOLE   0 0 2,538
MARTIN MARIETTA MATLS INC COM 573284106   262,766 428 SH   SOLE   0 0 428
MASTERCARD INCORPORATED CL A 57636Q104   1,960,953 4,072 SH   SOLE   0 0 4,072
MCDONALDS CORP COM 580135101   919,901 3,263 SH   SOLE   0 0 3,263
MCKESSON CORP COM 58155Q103   479,001 892 SH   SOLE   0 0 892
MEDPACE HLDGS INC COM 58506Q109   952,582 2,357 SH   SOLE   0 0 2,357
MEDTRONIC PLC SHS G5960L103   207,417 2,380 SH   SOLE   0 0 2,380
MERCK & CO INC COM 58933Y105   1,665,208 12,620 SH   SOLE   0 0 12,620
META PLATFORMS INC CL A 30303M102   4,502,316 9,272 SH   SOLE   0 0 9,272
MICRON TECHNOLOGY INC COM 595112103   464,840 3,943 SH   SOLE   0 0 3,943
MICROSOFT CORP COM 594918104   16,530,571 39,291 SH   SOLE   0 0 39,291
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   253,203 24,751 SH   SOLE   0 0 24,751
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   239,536 60,185 SH   SOLE   0 0 60,185
MONDELEZ INTL INC CL A 609207105   318,150 4,545 SH   SOLE   0 0 4,545
MONSTER BEVERAGE CORP NEW COM 61174X109   243,344 4,105 SH   SOLE   0 0 4,105
MOODYS CORP COM 615369105   405,214 1,031 SH   SOLE   0 0 1,031
MORGAN STANLEY COM NEW 617446448   515,432 5,474 SH   SOLE   0 0 5,474
MOTOROLA SOLUTIONS INC COM NEW 620076307   203,759 574 SH   SOLE   0 0 574
MSCI INC COM 55354G100   256,126 457 SH   SOLE   0 0 457
NATIONAL GRID PLC SPONSORED ADR NE 636274409   209,640 3,073 SH   SOLE   0 0 3,073
NETEASE INC SPONSORED ADS 64110W102   250,501 2,421 SH   SOLE   0 0 2,421
NETFLIX INC COM 64110L106   1,265,676 2,084 SH   SOLE   0 0 2,084
NEXTERA ENERGY INC COM 65339F101   843,612 13,200 SH   SOLE   0 0 13,200
NIKE INC CL B 654106103   423,201 4,503 SH   SOLE   0 0 4,503
NIO INC SPON ADS 62914V106   48,002 10,667 SH   SOLE   0 0 10,667
NISOURCE INC COM 65473P105   206,434 7,463 SH   SOLE   0 0 7,463
NOKIA CORP SPONSORED ADR 654902204   120,158 33,943 SH   SOLE   0 0 33,943
NOMURA HLDGS INC SPONSORED ADR 65535H208   225,047 35,054 SH   SOLE   0 0 35,054
NORTHROP GRUMMAN CORP COM 666807102   351,336 734 SH   SOLE   0 0 734
NOVARTIS AG SPONSORED ADR 66987V109   751,108 7,765 SH   SOLE   0 0 7,765
NOVO-NORDISK A S ADR 670100205   1,559,803 12,148 SH   SOLE   0 0 12,148
NUCOR CORP COM 670346105   253,114 1,279 SH   SOLE   0 0 1,279
NVIDIA CORPORATION COM 67066G104   11,431,188 12,651 SH   SOLE   0 0 12,651
OLD DOMINION FREIGHT LINE IN COM 679580100   269,751 1,230 SH   SOLE   0 0 1,230
ORACLE CORP COM 68389X105   1,660,187 13,217 SH   SOLE   0 0 13,217
OREILLY AUTOMOTIVE INC COM 67103H107   369,144 327 SH   SOLE   0 0 327
ORIX CORP SPONSORED ADR 686330101   234,836 2,131 SH   SOLE   0 0 2,131
PACCAR INC COM 693718108   323,725 2,613 SH   SOLE   0 0 2,613
PALO ALTO NETWORKS INC COM 697435105   258,553 910 SH   SOLE   0 0 910
PARKER-HANNIFIN CORP COM 701094104   294,569 530 SH   SOLE   0 0 530
PDD HOLDINGS INC SPONSORED ADS 722304102   267,375 2,300 SH   SOLE   0 0 2,300
PEPSICO INC COM 713448108   1,531,906 8,753 SH   SOLE   0 0 8,753
PFIZER INC COM 717081103   677,250 24,405 SH   SOLE   0 0 24,405
PHILIP MORRIS INTL INC COM 718172109   387,635 4,231 SH   SOLE   0 0 4,231
PHILLIPS 66 COM 718546104   508,804 3,115 SH   SOLE   0 0 3,115
PNC FINL SVCS GROUP INC COM 693475105   242,077 1,498 SH   SOLE   0 0 1,498
POSCO HOLDINGS INC SPONSORED ADR 693483109   311,014 3,966 SH   SOLE   0 0 3,966
PROCTER AND GAMBLE CO COM 742718109   5,287,936 32,591 SH   SOLE   0 0 32,591
PROGRESSIVE CORP COM 743315103   545,591 2,638 SH   SOLE   0 0 2,638
PROLOGIS INC. COM 74340W103   651,509 5,003 SH   SOLE   0 0 5,003
PRUDENTIAL FINL INC COM 744320102   225,173 1,918 SH   SOLE   0 0 1,918
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   302,540 4,530 SH   SOLE   0 0 4,530
QUALCOMM INC COM 747525103   598,476 3,535 SH   SOLE   0 0 3,535
REGENERON PHARMACEUTICALS COM 75886F107   340,721 354 SH   SOLE   0 0 354
RELX PLC SPONSORED ADR 759530108   322,337 7,446 SH   SOLE   0 0 7,446
REPUBLIC SVCS INC COM 760759100   255,764 1,336 SH   SOLE   0 0 1,336
ROPER TECHNOLOGIES INC COM 776696106   347,721 620 SH   SOLE   0 0 620
ROYAL BK CDA COM 780087102   365,387 3,622 SH   SOLE   0 0 3,622
RTX CORPORATION COM 75513E101   434,106 4,451 SH   SOLE   0 0 4,451
S&P GLOBAL INC COM 78409V104   717,309 1,686 SH   SOLE   0 0 1,686
SALESFORCE INC COM 79466L302   1,293,568 4,295 SH   SOLE   0 0 4,295
SANOFI SPONSORED ADR 80105N105   301,757 6,209 SH   SOLE   0 0 6,209
SAP SE SPON ADR 803054204   742,284 3,806 SH   SOLE   0 0 3,806
SASOL LTD SPONSORED ADR 803866300   78,990 10,114 SH   SOLE   0 0 10,114
SCHLUMBERGER LTD COM STK 806857108   216,500 3,950 SH   SOLE   0 0 3,950
SCHWAB CHARLES CORP COM 808513105   549,127 7,591 SH   SOLE   0 0 7,591
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   500,108 6,203 SH   SOLE   0 0 6,203
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   34,602 703 SH   SOLE   0 0 703
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   241,846 6,198 SH   SOLE   0 0 6,198
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   323,028 5,291 SH   SOLE   0 0 5,291
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   281,390 7,902 SH   SOLE   0 0 7,902
SCYNEXIS INC COM NEW 811292200   14,700 10,000 SH   SOLE   0 0 10,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   239,305 1,149 SH   SOLE   0 0 1,149
SEMPRA COM 816851109   228,779 3,185 SH   SOLE   0 0 3,185
SERVICENOW INC COM 81762P102   2,437,393 3,197 SH   SOLE   0 0 3,197
SHELL PLC SPON ADS 780259305   584,195 8,714 SH   SOLE   0 0 8,714
SHERWIN WILLIAMS CO COM 824348106   767,947 2,211 SH   SOLE   0 0 2,211
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   487,562 13,738 SH   SOLE   0 0 13,738
SHOPIFY INC CL A 82509L107   662,041 8,579 SH   SOLE   0 0 8,579
SIMON PPTY GROUP INC NEW COM 828806109   205,628 1,314 SH   SOLE   0 0 1,314
SMUCKER J M CO COM NEW 832696405   205,258 1,631 SH   SOLE   0 0 1,631
SONY GROUP CORP SPONSORED ADR 835699307   441,990 5,155 SH   SOLE   0 0 5,155
SOUTHERN COPPER CORP COM 84265V105   275,248 2,584 SH   SOLE   0 0 2,584
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   236,999 596 SH   SOLE   0 0 596
SPDR GOLD TR GOLD SHS 78463V107   713,026 3,466 SH   SOLE   0 0 3,466
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   224,886 5,252 SH   SOLE   0 0 5,252
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,821,187 3,482 SH   SOLE   0 0 3,482
SPDR SER TR S&P DIVID ETF 78464A763   2,208,276 16,826 SH   SOLE   0 0 16,826
SPDR SER TR PORTFOLIO INTRMD 78464A375   301,515 9,223 SH   SOLE   0 0 9,223
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   885,815 20,500 SH   SOLE   0 0 20,500
STARBUCKS CORP COM 855244109   581,566 6,364 SH   SOLE   0 0 6,364
STEEL DYNAMICS INC COM 858119100   217,898 1,470 SH   SOLE   0 0 1,470
STRYKER CORPORATION COM 863667101   483,844 1,352 SH   SOLE   0 0 1,352
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   503,391 42,769 SH   SOLE   0 0 42,769
SUN LIFE FINANCIAL INC. COM 866796105   286,272 5,245 SH   SOLE   0 0 5,245
SYNOPSYS INC COM 871607107   573,786 1,004 SH   SOLE   0 0 1,004
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,227,002 16,369 SH   SOLE   0 0 16,369
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   146,581 10,553 SH   SOLE   0 0 10,553
TARGET CORP COM 87612E106   697,853 3,938 SH   SOLE   0 0 3,938
TELEFONICA S A SPONSORED ADR 879382208   55,310 12,542 SH   SOLE   0 0 12,542
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109   121,937 10,897 SH   SOLE   0 0 10,897
TESLA INC COM 88160R101   2,142,529 12,188 SH   SOLE   0 0 12,188
TEXAS INSTRS INC COM 882508104   1,001,359 5,748 SH   SOLE   0 0 5,748
THE CIGNA GROUP COM 125523100   697,845 1,921 SH   SOLE   0 0 1,921
THERMO FISHER SCIENTIFIC INC COM 883556102   1,211,953 2,085 SH   SOLE   0 0 2,085
THOMSON REUTERS CORP. COM 884903808   327,555 2,102 SH   SOLE   0 0 2,102
TJX COS INC NEW COM 872540109   669,676 6,603 SH   SOLE   0 0 6,603
T-MOBILE US INC COM 872590104   412,493 2,527 SH   SOLE   0 0 2,527
TORONTO DOMINION BK ONT COM NEW 891160509   371,156 6,147 SH   SOLE   0 0 6,147
TOTALENERGIES SE SPONSORED ADS 89151E109   505,556 7,345 SH   SOLE   0 0 7,345
TOYOTA MOTOR CORP ADS 892331307   795,057 3,159 SH   SOLE   0 0 3,159
TRANE TECHNOLOGIES PLC SHS G8994E103   242,862 809 SH   SOLE   0 0 809
TRANSDIGM GROUP INC COM 893641100   204,446 166 SH   SOLE   0 0 166
TRAVELERS COMPANIES INC COM 89417E109   394,920 1,716 SH   SOLE   0 0 1,716
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   144,879 27,915 SH   SOLE   0 0 27,915
UBER TECHNOLOGIES INC COM 90353T100   434,686 5,646 SH   SOLE   0 0 5,646
UBS GROUP AG SHS H42097107   508,539 16,554 SH   SOLE   0 0 16,554
ULTRAPAR PARTICIPACOES SA SP ADR REP COM 90400P101   63,023 11,018 SH   SOLE   0 0 11,018
UNILEVER PLC SPON ADR NEW 904767704   416,660 8,302 SH   SOLE   0 0 8,302
UNION PAC CORP COM 907818108   827,060 3,363 SH   SOLE   0 0 3,363
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   432,499 53,461 SH   SOLE   0 0 53,461
UNITED PARCEL SERVICE INC CL B 911312106   5,175,408 34,821 SH   SOLE   0 0 34,821
UNITED RENTALS INC COM 911363109   313,683 435 SH   SOLE   0 0 435
UNITEDHEALTH GROUP INC COM 91324P102   2,453,087 4,959 SH   SOLE   0 0 4,959
US BANCORP DEL COM NEW 902973304   316,718 7,085 SH   SOLE   0 0 7,085
VALERO ENERGY CORP COM 91913Y100   218,483 1,280 SH   SOLE   0 0 1,280
VANECK MERK GOLD TR GOLD TRUST 921078101   3,603,871 167,778 SH   SOLE   0 0 167,778
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,064,954 166,115 SH   SOLE   0 0 166,115
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   24,032,865 313,459 SH   SOLE   0 0 313,459
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   33,784,029 686,807 SH   SOLE   0 0 686,807
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,210,368 20,048 SH   SOLE   0 0 20,048
VANGUARD INDEX FDS SMALL CP ETF 922908751   11,231,045 49,132 SH   SOLE   0 0 49,132
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,976,660 12,415 SH   SOLE   0 0 12,415
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,945,838 57,191 SH   SOLE   0 0 57,191
VANGUARD INDEX FDS GROWTH ETF 922908736   846,586 2,460 SH   SOLE   0 0 2,460
VANGUARD INDEX FDS VALUE ETF 922908744   1,616,211 9,924 SH   SOLE   0 0 9,924
VANGUARD INDEX FDS SML CP GRW ETF 922908595   283,019 1,086 SH   SOLE   0 0 1,086
VANGUARD INDEX FDS SM CP VAL ETF 922908611   69,530,475 362,364 SH   SOLE   0 0 362,364
VANGUARD INDEX FDS MID CAP ETF 922908629   8,913,519 35,674 SH   SOLE   0 0 35,674
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,601,785 5,412 SH   SOLE   0 0 5,412
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   44,256,611 1,059,531 SH   SOLE   0 0 1,059,531
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,944,669 44,748 SH   SOLE   0 0 44,748
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   6,871,177 117,156 SH   SOLE   0 0 117,156
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,305,036 19,728 SH   SOLE   0 0 19,728
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,998,306 217,358 SH   SOLE   0 0 217,358
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   695,680 8,999 SH   SOLE   0 0 8,999
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   44,582,366 244,140 SH   SOLE   0 0 244,140
VANGUARD STAR FDS VG TL INTL STK F 921909768   200,047 3,318 SH   SOLE   0 0 3,318
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   73,026,903 1,455,589 SH   SOLE   0 0 1,455,589
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   578,492 4,781 SH   SOLE   0 0 4,781
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,726,640 57,974 SH   SOLE   0 0 57,974
VANGUARD WORLD FD ENERGY ETF 92204A306   543,941 4,130 SH   SOLE   0 0 4,130
VANGUARD WORLD FD MEGA CAP INDEX 921910873   264,202 1,414 SH   SOLE   0 0 1,414
VANGUARD WORLD FD ESG US STK ETF 921910733   399,671 4,289 SH   SOLE   0 0 4,289
VANGUARD WORLD FD INF TECH ETF 92204A702   787,991 1,503 SH   SOLE   0 0 1,503
VANGUARD WORLD FD ESG INTL STK ETF 921910725   116,022 2,019 SH   SOLE   0 0 2,019
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   457,431 1,691 SH   SOLE   0 0 1,691
VERIZON COMMUNICATIONS INC COM 92343V104   621,405 14,809 SH   SOLE   0 0 14,809
VERTEX PHARMACEUTICALS INC COM 92532F100   344,022 823 SH   SOLE   0 0 823
VISA INC COM CL A 92826C839   2,429,721 8,706 SH   SOLE   0 0 8,706
WABTEC COM 929740108   228,132 1,566 SH   SOLE   0 0 1,566
WALMART INC COM 931142103   1,126,506 18,722 SH   SOLE   0 0 18,722
WASTE MGMT INC DEL COM 94106L109   401,148 1,882 SH   SOLE   0 0 1,882
WELLS FARGO CO NEW COM 949746101   485,821 8,382 SH   SOLE   0 0 8,382
WELLTOWER INC COM 95040Q104   315,080 3,372 SH   SOLE   0 0 3,372
WEST PHARMACEUTICAL SVSC INC COM 955306105   209,726 530 SH   SOLE   0 0 530
WILLIAMS COS INC COM 969457100   225,247 5,780 SH   SOLE   0 0 5,780
WIPRO LTD SPON ADR 1 SH 97651M109   461,242 80,216 SH   SOLE   0 0 80,216
WOORI FINL GROUP INC SPONSORED ADS 981064108   388,414 11,977 SH   SOLE   0 0 11,977
WORKDAY INC CL A 98138H101   286,660 1,051 SH   SOLE   0 0 1,051
WORLD GOLD TR SPDR GLD MINIS 98149E303   440,111 9,991 SH   SOLE   0 0 9,991
WORTHINGTON ENTERPRISES INC COM 981811102   787,632 12,657 SH   SOLE   0 0 12,657
WORTHINGTON STL INC COM SHS 982104101   453,538 12,651 SH   SOLE   0 0 12,651
YUM BRANDS INC COM 988498101   245,411 1,770 SH   SOLE   0 0 1,770
ZOETIS INC CL A 98978V103   372,262 2,200 SH   SOLE   0 0 2,200