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
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   742,805 16,222 SH   SOLE   0 0 16,222
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   4,777,640 95,305 SH   SOLE   0 0 95,305
ISHARES TR PFD AND INCM SEC 464288687   1,822,946 59,710 SH   SOLE   0 0 59,710
GLOBAL X FDS US PFD ETF 37954Y657   921,489 47,573 SH   SOLE   0 0 47,573
VANGUARD INDEX FDS SML CP GRW ETF 922908595   896,223 8,982 SH   SOLE   0 0 8,982
APPLE INC COM 037833100   2,322,759 17,877 SH   SOLE   0 0 17,877
ABBVIE INC COM 00287Y109   888,370 5,497 SH   SOLE   0 0 5,497
AFLAC INC COM 001055102   201,720 2,804 SH   SOLE   0 0 2,804
AGCO CORP COM 001084102   286,672 2,067 SH   SOLE   0 0 2,067
APPLIED MATLS INC COM 038222105   1,001,359 10,283 SH   SOLE   0 0 10,283
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   304,286 16,719 SH   SOLE   0 0 16,719
ALGONQUIN POWER & UTILITIES COM 015857105   500,723 76,798 SH   SOLE   0 0 76,798
BROADCOM INC COM 11135F101   2,353,937 4,210 SH   SOLE   0 0 4,210
AMERICAN EXPRESS CO COM 025816109   209,066 1,415 SH   SOLE   0 0 1,415
BARRICK MNG CORP COM SHS 06849F108   640,522 37,283 SH   SOLE   0 0 37,283
BANK OF AMER CORP COM 060505104   468,019 14,131 SH   SOLE   0 0 14,131
BRUNSWICK CORP COM 117043109   401,558 5,571 SH   SOLE   0 0 5,571
BUNGE GLOBAL SA COM SHS H11356104   1,453,150 14,565 SH   SOLE   0 0 14,565
BRISTOL-MYERS SQUIBB CO COM 110122108   1,441,662 20,037 SH   SOLE   0 0 20,037
BERKSHIRE HATHAWAY INC DEL CL A 084670108   314,151 1,017 SH   SOLE   0 0 1,017
BLACK STONE MINERALS L P COM UNIT 09225M101   275,032 16,303 SH   SOLE   0 0 16,303
CONAGRA BRANDS INC COM 205887102   275,389 7,116 SH   SOLE   0 0 7,116
CBOE GLOBAL MKTS INC COM 12503M108   313,926 2,502 SH   SOLE   0 0 2,502
COMCAST CORP NEW CL A 20030N101   228,249 6,527 SH   SOLE   0 0 6,527
CAPITAL ONE FINL CORP COM 14040H105   693,946 7,465 SH   SOLE   0 0 7,465
COHERENT CORP COM 19247G107   240,154 6,842 SH   SOLE   0 0 6,842
COSTCO WHOLESALE CORPORATION COM 22160K105   511,737 1,121 SH   SOLE   0 0 1,121
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   531,124 9,287 SH   SOLE   0 0 9,287
CVS HEALTH CORP COM 126650100   364,839 3,915 SH   SOLE   0 0 3,915
CHEVRON CORPORATION COM 166764100   302,620 1,686 SH   SOLE   0 0 1,686
DOMINION ENERGY INC COM 25746U109   753,071 12,281 SH   SOLE   0 0 12,281
DARLING INGREDIENTS INC COM 237266101   325,969 5,208 SH   SOLE   0 0 5,208
D R HORTON INC COM 23331A109   274,284 3,077 SH   SOLE   0 0 3,077
DIGITAL RLTY TR INC COM 253868103   232,426 2,318 SH   SOLE   0 0 2,318
DARDEN RESTAURANTS INC COM 237194105   373,076 2,697 SH   SOLE   0 0 2,697
ENERGIZER HLDGS INC COM 29272W109   1,264,130 37,679 SH   SOLE   0 0 37,679
WISDOMTREE TR INDIA ERNGS FD 97717W422   205,741 6,313 SH   SOLE   0 0 6,313
ISHARES INC MSCI AUSTRIA ETF 464286202   555,045 29,508 SH   SOLE   0 0 29,508
ISHARES INC MSCI MEXICO ETF 464286822   882,139 17,839 SH   SOLE   0 0 17,839
EXELIXIS INC COM 30161Q104   202,697 12,637 SH   SOLE   0 0 12,637
EXPEDIA GROUP INC COM NEW 30212P303   259,559 2,963 SH   SOLE   0 0 2,963
DIAMONDBACK ENERGY INC COM 25278X109   785,664 5,744 SH   SOLE   0 0 5,744
F5 INC COM 315616102   270,660 1,886 SH   SOLE   0 0 1,886
GEN DIGITAL INC COM 668771108   551,394 25,730 SH   SOLE   0 0 25,730
ALPHABET INC CAP STK CL A 02079K305   1,524,703 17,281 SH   SOLE   0 0 17,281
GENUINE PARTS CO COM 372460105   237,015 1,366 SH   SOLE   0 0 1,366
HOME DEPOT INC COM 437076102   310,490 983 SH   SOLE   0 0 983
HEWLETT PACKARD ENTERPRISE C COM 42824C109   657,121 41,173 SH   SOLE   0 0 41,173
ICON PUB LTD CO SHS G4705A100   365,579 1,882 SH   SOLE   0 0 1,882
ISHARES TR RUSSELL 2000 ETF 464287655   787,061 4,514 SH   SOLE   0 0 4,514
ORIX CORP SPONSORED ADR 686330101   236,085 2,932 SH   SOLE   0 0 2,932
ISHARES TR DOW JONES US ETF 464287846   226,710 2,426 SH   SOLE   0 0 2,426
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   659,703 4,141 SH   SOLE   0 0 4,141
JABIL INC COM 466313103   294,010 4,311 SH   SOLE   0 0 4,311
JOHNSON & JOHNSON COM 478160104   686,815 3,888 SH   SOLE   0 0 3,888
JPMORGAN CHASE & CO COM 46625H100   658,297 4,909 SH   SOLE   0 0 4,909
KBR INC COM 48242W106   992,112 18,790 SH   SOLE   0 0 18,790
LENNAR CORP CL A 526057104   918,304 10,147 SH   SOLE   0 0 10,147
L3HARRIS TECHNOLOGIES INC COM 502431109   224,450 1,078 SH   SOLE   0 0 1,078
CHENIERE ENERGY INC COM NEW 16411R208   507,615 3,385 SH   SOLE   0 0 3,385
LOWES COS INC COM 548661107   318,585 1,599 SH   SOLE   0 0 1,599
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   40,700 18,500 SH   SOLE   0 0 18,500
MCDONALDS CORP COM 580135101   528,114 2,004 SH   SOLE   0 0 2,004
MANULIFE FINL CORP COM 56501R106   514,845 28,859 SH   SOLE   0 0 28,859
MKS INC. COM 55306N104   208,351 2,459 SH   SOLE   0 0 2,459
3M CO COM 88579Y101   700,693 5,843 SH   SOLE   0 0 5,843
MICROSOFT CORP COM 594918104   1,288,313 5,372 SH   SOLE   0 0 5,372
NOKIA CORP SPONSORED ADR 654902204   150,703 32,479 SH   SOLE   0 0 32,479
NUTRIEN LTD COM 67077M108   271,160 3,713 SH   SOLE   0 0 3,713
NORTHERN TR CORP COM 665859104   576,070 6,510 SH   SOLE   0 0 6,510
NOVARTIS AG SPONSORED ADR 66987V109   205,209 2,262 SH   SOLE   0 0 2,262
OWENS CORNING NEW COM 690742101   738,272 8,655 SH   SOLE   0 0 8,655
ONTO INNOVATION INC COM 683344105   223,471 3,282 SH   SOLE   0 0 3,282
PEPSICO INC COM 713448108   298,450 1,652 SH   SOLE   0 0 1,652
PFIZER INC COM 717081103   885,888 17,289 SH   SOLE   0 0 17,289
PROCTER & GAMBLE CO COM 742718109   235,373 1,553 SH   SOLE   0 0 1,553
RENEW ENERGY GLOBAL PLC CL A SHS G7500M104   78,001 14,182 SH   SOLE   0 0 14,182
SOUTHERN COPPER CORP COM 84265V105   461,863 7,648 SH   SOLE   0 0 7,648
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,441,305 35,579 SH   SOLE   0 0 35,579
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,337,381 42,497 SH   SOLE   0 0 42,497
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   925,592 12,253 SH   SOLE   0 0 12,253
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,581,736 49,107 SH   SOLE   0 0 49,107
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,899,065 28,765 SH   SOLE   0 0 28,765
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   223,423 4,948 SH   SOLE   0 0 4,948
SELECT MED HLDGS CORP COM 81619Q105   250,460 10,087 SH   SOLE   0 0 10,087
SHELL PLC SPON ADS 780259305   372,681 6,544 SH   SOLE   0 0 6,544
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   295,618 773 SH   SOLE   0 0 773
STATE STR CORP COM 857477103   270,952 3,493 SH   SOLE   0 0 3,493
SYSCO CORP COM 871829107   240,282 3,143 SH   SOLE   0 0 3,143
TRUIST FINL CORP COM 89832Q109   587,747 13,659 SH   SOLE   0 0 13,659
TRAVELERS COMPANIES INC COM 89417E109   285,360 1,522 SH   SOLE   0 0 1,522
TERNIUM SA SPONSORED ADS 880890108   251,845 8,241 SH   SOLE   0 0 8,241
US BANCORP COM NEW 902973304   422,755 9,694 SH   SOLE   0 0 9,694
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,036,646 6,528 SH   SOLE   0 0 6,528
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   527,605 12,571 SH   SOLE   0 0 12,571
VANGUARD WORLD FD FINANCIALS ETF 92204A405   235,946 2,852 SH   SOLE   0 0 2,852
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   328,914 1,326 SH   SOLE   0 0 1,326
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   425,736 3,148 SH   SOLE   0 0 3,148
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,217,438 18,919 SH   SOLE   0 0 18,919
VIATRIS INC COM 92556V106   1,434,267 128,865 SH   SOLE   0 0 128,865
VERIZON COMMUNICATIONS INC COM 92343V104   1,258,672 31,946 SH   SOLE   0 0 31,946
WENDYS CO COM 95058W100   238,249 10,528 SH   SOLE   0 0 10,528
WERNER ENTERPRISES INC COM 950755108   314,350 7,808 SH   SOLE   0 0 7,808
BERKLEY W R CORP COM 084423102   334,330 4,607 SH   SOLE   0 0 4,607
WILLIAMS SONOMA INC COM 969904101   306,607 2,668 SH   SOLE   0 0 2,668
EXXON MOBIL CORP COM 30231G102   522,601 4,738 SH   SOLE   0 0 4,738