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
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   416,559 2,688 SH   SOLE   0 0 2,688
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   828,148 2,360 SH   SOLE   0 0 2,360
ADOBE INC COM 00724F101   869,246 1,457 SH   SOLE   0 0 1,457
AIR PRODS & CHEMS INC COM 009158106   536,616 1,951 SH   SOLE   0 0 1,951
AIRBNB INC COM CL A 009066101   234,297 1,721 SH   SOLE   0 0 1,721
ALCON AG ORD SHS H01301128   448,956 5,747 SH   SOLE   0 0 5,747
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   252,605 3,259 SH   SOLE   0 0 3,259
ALLSTATE CORP COM 020002101   485,634 3,453 SH   SOLE   0 0 3,453
ALPHABET INC CAP STK CL A 02079K305   691,186 4,948 SH   SOLE   0 0 4,948
ALTRIA GROUP INC COM 02209S103   248,736 6,166 SH   SOLE   0 0 6,166
AMAZON COM INC COM 023135106   2,071,094 13,631 SH   SOLE   0 0 13,631
AMBEV SA SPONSORED ADR 02319V103   39,102 13,965 SH   SOLE   0 0 13,965
AMERICAN ELEC PWR CO INC COM 025537101   210,928 2,597 SH   SOLE   0 0 2,597
AMERICAN EXPRESS CO COM 025816109   232,676 1,242 SH   SOLE   0 0 1,242
AMERIPRISE FINL INC COM 03076C106   775,233 2,041 SH   SOLE   0 0 2,041
AMGEN INC COM 031162100   717,746 2,492 SH   SOLE   0 0 2,492
ANSYS INC COM 03662Q105   711,245 1,960 SH   SOLE   0 0 1,960
APPLE INC COM 037833100   5,531,387 28,730 SH   SOLE   0 0 28,730
ATLASSIAN CORPORATION CL A 049468101   607,732 2,555 SH   SOLE   0 0 2,555
ATMOS ENERGY CORP COM 049560105   486,780 4,200 SH   SOLE   0 0 4,200
AUTODESK INC COM 052769106   544,421 2,236 SH   SOLE   0 0 2,236
AUTOZONE INC COM 053332102   346,472 134 SH   SOLE   0 0 134
BAKER HUGHES COMPANY CL A 05722G100   442,084 12,934 SH   SOLE   0 0 12,934
BANCO BRADESCO S A SP ADR PFD NEW 059460303   84,494 24,141 SH   SOLE   0 0 24,141
BANK AMERICA CORP COM 060505104   521,952 15,502 SH   SOLE   0 0 15,502
BANK NEW YORK MELLON CORP COM 064058100   307,199 5,902 SH   SOLE   0 0 5,902
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   476,498 1,336 SH   SOLE   0 0 1,336
BLACKROCK INC COM 09247X101   478,962 590 SH   SOLE   0 0 590
BLACKSTONE INC COM 09260D107   621,739 4,749 SH   SOLE   0 0 4,749
BLOCK INC CL A 852234103   613,540 7,932 SH   SOLE   0 0 7,932
BRISTOL-MYERS SQUIBB CO COM 110122108   289,440 5,641 SH   SOLE   0 0 5,641
BROADCOM INC COM 11135F101   847,234 759 SH   SOLE   0 0 759
CAMDEN PPTY TR SH BEN INT 133131102   210,693 2,122 SH   SOLE   0 0 2,122
CAPITAL ONE FINL CORP COM 14040H105   529,987 4,042 SH   SOLE   0 0 4,042
CARRIER GLOBAL CORPORATION COM 14448C104   474,286 8,231 SH   SOLE   0 0 8,231
CATERPILLAR INC COM 149123101   277,043 937 SH   SOLE   0 0 937
CHEVRON CORP NEW COM 166764100   991,616 6,648 SH   SOLE   0 0 6,648
CHUBB LIMITED COM H1467J104   459,809 2,027 SH   SOLE   0 0 2,027
CIENA CORP COM NEW 171779309   202,545 4,500 SH   SOLE   0 0 4,500
CISCO SYS INC COM 17275R102   610,029 12,075 SH   SOLE   0 0 12,075
CLOUDFLARE INC CL A COM 18915M107   282,085 3,388 SH   SOLE   0 0 3,388
COCA COLA CO COM 191216100   931,801 15,812 SH   SOLE   0 0 15,812
COLUMBIA SPORTSWEAR CO COM 198516106   277,992 3,495 SH   SOLE   0 0 3,495
COMCAST CORP NEW CL A 20030N101   362,859 8,275 SH   SOLE   0 0 8,275
COMMERCE BANCSHARES INC COM 200525103   243,389 4,557 SH   SOLE   0 0 4,557
CONOCOPHILLIPS COM 20825C104   413,906 3,566 SH   SOLE   0 0 3,566
CONSTELLATION BRANDS INC CL A 21036P108   389,943 1,613 SH   SOLE   0 0 1,613
CORTEVA INC COM 22052L104   587,835 12,267 SH   SOLE   0 0 12,267
COSTAR GROUP INC COM 22160N109   317,051 3,628 SH   SOLE   0 0 3,628
COTERRA ENERGY INC COM 127097103   446,983 17,515 SH   SOLE   0 0 17,515
CROWN CASTLE INC COM 22822V101   406,045 3,525 SH   SOLE   0 0 3,525
CULLEN FROST BANKERS INC COM 229899109   379,715 3,500 SH   SOLE   0 0 3,500
CVS HEALTH CORP COM 126650100   505,265 6,399 SH   SOLE   0 0 6,399
DANAHER CORPORATION COM 235851102   241,288 1,043 SH   SOLE   0 0 1,043
DATADOG INC CL A COM 23804L103   554,100 4,565 SH   SOLE   0 0 4,565
DEXCOM INC COM 252131107   986,888 7,953 SH   SOLE   0 0 7,953
DIAGEO PLC SPON ADR NEW 25243Q205   402,167 2,761 SH   SOLE   0 0 2,761
DISNEY WALT CO COM 254687106   535,274 5,915 SH   SOLE   0 0 5,915
DOORDASH INC CL A 25809K105   341,665 3,455 SH   SOLE   0 0 3,455
EATON CORP PLC SHS G29183103   658,161 2,733 SH   SOLE   0 0 2,733
ECOLAB INC COM 278865100   505,642 2,542 SH   SOLE   0 0 2,542
EDWARDS LIFESCIENCES CORP COM 28176E108   323,986 4,249 SH   SOLE   0 0 4,249
ELI LILLY & CO COM 532457108   268,726 461 SH   SOLE   0 0 461
EMBRAER S.A. SPONSORED ADS 29082A107   459,497 24,905 SH   SOLE   0 0 24,905
EMERSON ELEC CO COM 291011104   480,129 4,933 SH   SOLE   0 0 4,933
ENBRIDGE INC COM 29250N105   205,566 5,707 SH   SOLE   0 0 5,707
ENTEGRIS INC COM 29362U104   409,065 3,414 SH   SOLE   0 0 3,414
EQUITY LIFESTYLE PPTYS INC COM 29472R108   399,002 5,621 SH   SOLE   0 0 5,621
EXXON MOBIL CORP COM 30231G102   404,519 4,046 SH   SOLE   0 0 4,046
FIRSTENERGY CORP COM 337932107   577,615 15,756 SH   SOLE   0 0 15,756
FLOOR & DECOR HLDGS INC CL A 339750101   265,959 2,384 SH   SOLE   0 0 2,384
GENERAL DYNAMICS CORP COM 369550108   458,058 1,764 SH   SOLE   0 0 1,764
GILEAD SCIENCES INC COM 375558103   270,573 3,340 SH   SOLE   0 0 3,340
GOLDMAN SACHS GROUP INC COM 38141G104   417,789 1,083 SH   SOLE   0 0 1,083
HARTFORD FINL SVCS GROUP INC COM 416515104   290,574 3,615 SH   SOLE   0 0 3,615
HDFC BANK LTD SPONSORED ADS 40415F101   226,228 3,371 SH   SOLE   0 0 3,371
HOLOGIC INC COM 436440101   299,876 4,197 SH   SOLE   0 0 4,197
HOME DEPOT INC COM 437076102   720,824 2,080 SH   SOLE   0 0 2,080
HONEYWELL INTL INC COM 438516106   771,523 3,679 SH   SOLE   0 0 3,679
ILLINOIS TOOL WKS INC COM 452308109   200,384 765 SH   SOLE   0 0 765
IMAX CORP COM 45245E109   170,853 11,375 SH   SOLE   0 0 11,375
INGERSOLL RAND INC COM 45687V106   630,398 8,151 SH   SOLE   0 0 8,151
INTEL CORP COM 458140100   254,617 5,067 SH   SOLE   0 0 5,067
INTERNATIONAL PAPER CO COM 460146103   243,000 6,722 SH   SOLE   0 0 6,722
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   32,561,920 1,537,390 SH   SOLE   0 0 1,537,390
ISHARES INC CORE MSCI EMKT 46434G103   20,489,452 405,090 SH   SOLE   0 0 405,090
ISHARES INC MSCI JPN ETF NEW 46434G822   75,845,550 1,182,500 SH   SOLE   0 0 1,182,500
ISHARES TR CORE US AGGBD ET 464287226   733,855 7,394 SH   SOLE   0 0 7,394
ISHARES TR MSCI EMG MKT ETF 464287234   12,747 317 SH   SOLE   0 0 317
ISHARES TR MSCI EAFE ETF 464287465   5,420,679 71,940 SH   SOLE   0 0 71,940
ISHARES TR RUS MD CP GR ETF 464287481   24,234,720 232,000 SH   SOLE   0 0 232,000
ISHARES TR RUS 1000 ETF 464287622   8,392 32 SH   SOLE   0 0 32
ISHARES TR RUSSELL 2000 ETF 464287655   113,220,511 564,100 SH   SOLE   0 0 564,100
ISHARES TR CORE S&P SCP ETF 464287804   695,506 6,425 SH   SOLE   0 0 6,425
ISHARES TR MSCI ACWI ETF 464288257   1,323,010 13,000 SH   SOLE   0 0 13,000
ISHARES TR JPMORGAN USD EMG 464288281   16,431,570 184,500 SH   SOLE   0 0 184,500
ISHARES TR INTL SEL DIV ETF 464288448   6,128,550 218,955 SH   SOLE   0 0 218,955
ISHARES TR MBS ETF 464288588   658,560 7,000 SH   SOLE   0 0 7,000
ISHARES TR PFD AND INCM SEC 464288687   6,238 200 SH   SOLE   0 0 200
ISHARES TR EAFE GRWTH ETF 464288885   2,953,925 30,500 SH   SOLE   0 0 30,500
ISHARES TR FLTG RATE NT ETF 46429B655   20,880,750 412,500 SH   SOLE   0 0 412,500
ISHARES TR MSCI INTL VLU FT 46435G409   2,982,375 112,500 SH   SOLE   0 0 112,500
JOHNSON & JOHNSON COM 478160104   818,496 5,222 SH   SOLE   0 0 5,222
JPMORGAN CHASE & CO COM 46625H100   1,087,619 6,394 SH   SOLE   0 0 6,394
KINDER MORGAN INC DEL COM 49456B101   430,275 24,392 SH   SOLE   0 0 24,392
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   475,162 20,367 SH   SOLE   0 0 20,367
LAM RESEARCH CORP COM 512807108   711,002 906 SH   SOLE   0 0 906
LENNAR CORP CL A 526057104   689,161 4,624 SH   SOLE   0 0 4,624
LENNAR CORP CL B 526057302   20,644 154 SH   SOLE   0 0 154
LINDE PLC SHS G54950103   345,818 842 SH   SOLE   0 0 842
LOWES COS INC COM 548661107   315,798 1,419 SH   SOLE   0 0 1,419
MARTIN MARIETTA MATLS INC COM 573284106   701,966 1,407 SH   SOLE   0 0 1,407
MCKESSON CORP COM 58155Q103   579,740 1,251 SH   SOLE   0 0 1,251
MEDTRONIC PLC SHS G5960L103   1,046,336 12,627 SH   SOLE   0 0 12,627
MERCADOLIBRE INC COM 58733R102   248,303 158 SH   SOLE   0 0 158
MERCK & CO INC COM 58933Y105   385,604 3,537 SH   SOLE   0 0 3,537
META PLATFORMS INC CL A 30303M102   929,853 2,627 SH   SOLE   0 0 2,627
METHANEX CORP COM 59151K108   341,939 7,220 SH   SOLE   0 0 7,220
MICROCHIP TECHNOLOGY INC. COM 595017104   627,653 6,960 SH   SOLE   0 0 6,960
MICROSOFT CORP COM 594918104   7,754,321 20,621 SH   SOLE   0 0 20,621
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   310,580 36,072 SH   SOLE   0 0 36,072
MOLINA HEALTHCARE INC COM 60855R100   290,132 803 SH   SOLE   0 0 803
MORGAN STANLEY COM NEW 617446448   228,090 2,446 SH   SOLE   0 0 2,446
NETFLIX INC COM 64110L106   451,825 928 SH   SOLE   0 0 928
NEWMONT CORP COM 651639106   528,136 12,760 SH   SOLE   0 0 12,760
NOVARTIS AG SPONSORED ADR 66987V109   306,040 3,031 SH   SOLE   0 0 3,031
NU HLDGS LTD ORD SHS CL A G6683N103   348,352 41,819 SH   SOLE   0 0 41,819
NVIDIA CORPORATION COM 67066G104   1,131,082 2,284 SH   SOLE   0 0 2,284
OKTA INC CL A 679295105   322,558 3,563 SH   SOLE   0 0 3,563
OSHKOSH CORP COM 688239201   353,417 3,260 SH   SOLE   0 0 3,260
PARKER-HANNIFIN CORP COM 701094104   789,179 1,713 SH   SOLE   0 0 1,713
PAYPAL HLDGS INC COM 70450Y103   283,407 4,615 SH   SOLE   0 0 4,615
PEPSICO INC COM 713448108   467,400 2,752 SH   SOLE   0 0 2,752
PFIZER INC COM 717081103   547,068 19,002 SH   SOLE   0 0 19,002
PHILIP MORRIS INTL INC COM 718172109   289,202 3,074 SH   SOLE   0 0 3,074
PHILLIPS 66 COM 718546104   535,223 4,020 SH   SOLE   0 0 4,020
PNC FINL SVCS GROUP INC COM 693475105   595,089 3,843 SH   SOLE   0 0 3,843
PROCTER AND GAMBLE CO COM 742718109   1,415,723 9,661 SH   SOLE   0 0 9,661
QUALCOMM INC COM 747525103   1,221,979 8,449 SH   SOLE   0 0 8,449
QUEST DIAGNOSTICS INC COM 74834L100   250,942 1,820 SH   SOLE   0 0 1,820
REALTY INCOME CORP COM 756109104   648,909 11,276 SH   SOLE   0 0 11,276
RPM INTL INC COM 749685103   468,846 4,200 SH   SOLE   0 0 4,200
RTX CORPORATION COM 75513E101   436,098 5,183 SH   SOLE   0 0 5,183
SALESFORCE INC COM 79466L302   582,592 2,214 SH   SOLE   0 0 2,214
SANOFI SPONSORED ADR 80105N105   598,202 12,029 SH   SOLE   0 0 12,029
SAP SE SPON ADR 803054204   371,944 2,406 SH   SOLE   0 0 2,406
SCHWAB CHARLES CORP COM 808513105   542,419 7,884 SH   SOLE   0 0 7,884
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   149,593,472 1,803,200 SH   SOLE   0 0 1,803,200
SELECT SECTOR SPDR TR ENERGY 81369Y506   22,703,872 270,800 SH   SOLE   0 0 270,800
SERVICENOW INC COM 81762P102   1,051,964 1,489 SH   SOLE   0 0 1,489
SHOPIFY INC CL A 82509L107   610,424 7,836 SH   SOLE   0 0 7,836
SNOWFLAKE INC CL A 833445109   682,968 3,432 SH   SOLE   0 0 3,432
SONY GROUP CORP SPONSORED ADR 835699307   551,001 5,819 SH   SOLE   0 0 5,819
SOUTHERN CO COM 842587107   364,764 5,202 SH   SOLE   0 0 5,202
SPDR S&P 500 ETF TR TR UNIT 78462F103   966,840 2,026 SH   SOLE   0 0 2,026
SPDR SER TR BLOOMBERG SHT TE 78468R408   109,013,576 4,336,260 SH   SOLE   0 0 4,336,260
SPDR SER TR BLOOMBERG HIGH Y 78468R622   29,887,315 315,500 SH   SOLE   0 0 315,500
SYSCO CORP COM 871829107   728,375 9,960 SH   SOLE   0 0 9,960
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   678,324 6,506 SH   SOLE   0 0 6,506
TCW TRANSFORM ETF TRUST TRANSFRM 500 ETF 29287L106   56,433,356 1,014,623 SH   SOLE   0 0 1,014,623
TE CONNECTIVITY LTD SHS H84989104   284,513 2,025 SH   SOLE   0 0 2,025
TELEDYNE TECHNOLOGIES INC COM 879360105   449,414 1,007 SH   SOLE   0 0 1,007
TEXAS INSTRS INC COM 882508104   282,282 1,656 SH   SOLE   0 0 1,656
TFI INTL INC COM 87241L109   267,320 1,951 SH   SOLE   0 0 1,951
THERMO FISHER SCIENTIFIC INC COM 883556102   201,700 380 SH   SOLE   0 0 380
TOTALENERGIES SE SPONSORED ADS 89151E109   218,244 3,239 SH   SOLE   0 0 3,239
UBER TECHNOLOGIES INC COM 90353T100   462,883 7,518 SH   SOLE   0 0 7,518
ULTRAGENYX PHARMACEUTICAL IN COM 90400D108   212,656 4,447 SH   SOLE   0 0 4,447
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   126,409 14,942 SH   SOLE   0 0 14,942
UNITEDHEALTH GROUP INC COM 91324P102   713,893 1,356 SH   SOLE   0 0 1,356
US BANCORP DEL COM NEW 902973304   887,111 20,281 SH   SOLE   0 0 20,281
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   507,963,020 1,162,919 SH   SOLE   0 0 1,162,919
VANGUARD INDEX FDS GROWTH ETF 922908736   4,664,754 15,005 SH   SOLE   0 0 15,005
VANGUARD INDEX FDS VALUE ETF 922908744   6,841,868 45,765 SH   SOLE   0 0 45,765
VANGUARD INDEX FDS SMALL CP ETF 922908751   21,333 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,861 50 SH   SOLE   0 0 50
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   46,296 450 SH   SOLE   0 0 450
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,960,470 47,700 SH   SOLE   0 0 47,700
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   18,368 255 SH   SOLE   0 0 255
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   79,503,840 1,233,000 SH   SOLE   0 0 1,233,000
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   137,697,700 1,718,000 SH   SOLE   0 0 1,718,000
VANGUARD STAR FDS VG TL INTL STK F 921909768   59,379,997 1,024,500 SH   SOLE   0 0 1,024,500
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,636,481 96,795 SH   SOLE   0 0 96,795
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   14,534,226 130,200 SH   SOLE   0 0 130,200
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,728,740 26,000 SH   SOLE   0 0 26,000
VANGUARD WORLD FD ESG INTL STK ETF 921910725   7,555,947 136,685 SH   SOLE   0 0 136,685
VANGUARD WORLD FD ESG US STK ETF 921910733   40,817,742 479,870 SH   SOLE   0 0 479,870
VANGUARD WORLD FD MEGA GRWTH IND 921910816   8,797,389 33,900 SH   SOLE   0 0 33,900
VENTAS INC COM 92276F100   308,277 6,146 SH   SOLE   0 0 6,146
VERIZON COMMUNICATIONS INC COM 92343V104   624,312 16,560 SH   SOLE   0 0 16,560
VISA INC COM CL A 92826C839   968,762 3,721 SH   SOLE   0 0 3,721
WALMART INC COM 931142103   467,491 2,957 SH   SOLE   0 0 2,957
WARNER BROS DISCOVERY INC COM SER A 934423104   354,100 31,116 SH   SOLE   0 0 31,116
WELLS FARGO CO NEW COM 949746101   262,933 5,342 SH   SOLE   0 0 5,342
WELLTOWER INC COM 95040Q104   209,375 2,322 SH   SOLE   0 0 2,322
WIPRO LTD SPON ADR 1 SH 97651M109   313,368 56,260 SH   SOLE   0 0 56,260
XCEL ENERGY INC COM 98389B100   426,309 6,829 SH   SOLE   0 0 6,829
XYLEM INC COM 98419M100   495,179 4,330 SH   SOLE   0 0 4,330