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
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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
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   792,310 17,157 SH   SOLE   0 0 17,157
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   690,891 13,640 SH   SOLE   0 0 13,640
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   4,048,203 80,738 SH   SOLE   0 0 80,738
ISHARES TR PFD AND INCM SEC 464288687   1,936,002 62,593 SH   SOLE   0 0 62,593
GLOBAL X FDS US PFD ETF 37954Y657   1,144,901 59,046 SH   SOLE   0 0 59,046
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,014,924 9,826 SH   SOLE   0 0 9,826
APPLE INC COM 037833100   3,114,382 16,056 SH   SOLE   0 0 16,056
ABBVIE INC COM 00287Y109   573,141 4,254 SH   SOLE   0 0 4,254
AGCO CORP COM 001084102   390,055 2,968 SH   SOLE   0 0 2,968
APPLIED MATLS INC COM 038222105   1,387,729 9,601 SH   SOLE   0 0 9,601
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   349,940 16,171 SH   SOLE   0 0 16,171
AMAZON COM INC COM 023135106   216,007 1,657 SH   SOLE   0 0 1,657
ALGONQUIN POWER & UTILITIES COM 015857105   649,071 78,580 SH   SOLE   0 0 78,580
BROADCOM INC COM 11135F101   3,029,933 3,493 SH   SOLE   0 0 3,493
AMERICAN EXPRESS CO COM 025816109   246,493 1,415 SH   SOLE   0 0 1,415
BARRICK MNG CORP COM SHS 06849F108   646,641 38,195 SH   SOLE   0 0 38,195
BANK OF AMER CORP COM 060505104   405,447 14,132 SH   SOLE   0 0 14,132
BRUNSWICK CORP COM 117043109   507,191 5,854 SH   SOLE   0 0 5,854
BUNGE GLOBAL SA COM SHS H11356104   1,395,908 14,795 SH   SOLE   0 0 14,795
BRISTOL-MYERS SQUIBB CO COM 110122108   1,375,756 21,513 SH   SOLE   0 0 21,513
BERKSHIRE HATHAWAY INC DEL CL A 084670108   346,797 1,017 SH   SOLE   0 0 1,017
BLACK STONE MINERALS L P COM UNIT 09225M101   247,066 15,490 SH   SOLE   0 0 15,490
CAL MAINE FOODS INC COM NEW 128030202   411,165 9,137 SH   SOLE   0 0 9,137
CBOE GLOBAL MKTS INC COM 12503M108   251,178 1,820 SH   SOLE   0 0 1,820
COMCAST CORP NEW CL A 20030N101   286,986 6,907 SH   SOLE   0 0 6,907
CME GROUP INC COM 12572Q105   200,298 1,081 SH   SOLE   0 0 1,081
CAPITAL ONE FINL CORP COM 14040H105   688,047 6,291 SH   SOLE   0 0 6,291
COSTCO WHOLESALE CORPORATION COM 22160K105   596,525 1,108 SH   SOLE   0 0 1,108
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   614,546 9,414 SH   SOLE   0 0 9,414
CVS HEALTH CORP COM 126650100   362,379 5,242 SH   SOLE   0 0 5,242
CHEVRON CORPORATION COM 166764100   296,290 1,883 SH   SOLE   0 0 1,883
DOMINION ENERGY INC COM 25746U109   812,274 15,684 SH   SOLE   0 0 15,684
DARLING INGREDIENTS INC COM 237266101   406,789 6,377 SH   SOLE   0 0 6,377
DIGITAL RLTY TR INC COM 253868103   454,906 3,995 SH   SOLE   0 0 3,995
DARDEN RESTAURANTS INC COM 237194105   459,136 2,748 SH   SOLE   0 0 2,748
EBAY INC. COM 278642103   276,229 6,181 SH   SOLE   0 0 6,181
ENERGIZER HLDGS INC COM 29272W109   1,151,828 34,301 SH   SOLE   0 0 34,301
WISDOMTREE TR INDIA ERNGS FD 97717W422   219,692 6,313 SH   SOLE   0 0 6,313
ISHARES INC MSCI AUSTRIA ETF 464286202   559,002 30,200 SH   SOLE   0 0 30,200
ISHARES INC MSCI MEXICO ETF 464286822   1,073,289 17,261 SH   SOLE   0 0 17,261
ISHARES INC MSCI BRAZIL ETF 464286400   235,118 7,250 SH   SOLE   0 0 7,250
EXELIXIS INC COM 30161Q104   247,226 12,937 SH   SOLE   0 0 12,937
EXPEDIA GROUP INC COM NEW 30212P303   689,813 6,306 SH   SOLE   0 0 6,306
DIAMONDBACK ENERGY INC COM 25278X109   672,563 5,120 SH   SOLE   0 0 5,120
F5 INC COM 315616102   309,340 2,115 SH   SOLE   0 0 2,115
GEN DIGITAL INC COM 668771108   699,799 37,725 SH   SOLE   0 0 37,725
ALPHABET INC CAP STK CL A 02079K305   2,120,605 17,716 SH   SOLE   0 0 17,716
GENUINE PARTS CO COM 372460105   218,984 1,294 SH   SOLE   0 0 1,294
HOME DEPOT INC COM 437076102   305,359 983 SH   SOLE   0 0 983
HEWLETT PACKARD ENTERPRISE C COM 42824C109   711,866 42,373 SH   SOLE   0 0 42,373
ICON PUB LTD CO SHS G4705A100   470,876 1,882 SH   SOLE   0 0 1,882
ISHARES TR INDIA 50 ETF 464289529   325,041 7,438 SH   SOLE   0 0 7,438
IPG PHOTONICS CORP COM 44980X109   223,831 1,648 SH   SOLE   0 0 1,648
ISHARES TR RUSSELL 2000 ETF 464287655   1,109,013 5,922 SH   SOLE   0 0 5,922
ORIX CORP SPONSORED ADR 686330101   225,836 2,476 SH   SOLE   0 0 2,476
ISHARES TR DOW JONES US ETF 464287846   262,809 2,426 SH   SOLE   0 0 2,426
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   530,344 4,278 SH   SOLE   0 0 4,278
JABIL INC COM 466313103   462,372 4,284 SH   SOLE   0 0 4,284
JOHNSON & JOHNSON COM 478160104   625,335 3,778 SH   SOLE   0 0 3,778
JPMORGAN CHASE & CO COM 46625H100   730,109 5,020 SH   SOLE   0 0 5,020
KBR INC COM 48242W106   664,328 10,211 SH   SOLE   0 0 10,211
LENNAR CORP CL A 526057104   264,279 2,109 SH   SOLE   0 0 2,109
L3HARRIS TECHNOLOGIES INC COM 502431109   339,074 1,732 SH   SOLE   0 0 1,732
CHENIERE ENERGY INC COM NEW 16411R208   503,550 3,305 SH   SOLE   0 0 3,305
LOWES COS INC COM 548661107   363,151 1,609 SH   SOLE   0 0 1,609
MCDONALDS CORP COM 580135101   598,014 2,004 SH   SOLE   0 0 2,004
MANULIFE FINL CORP COM 56501R106   543,341 28,733 SH   SOLE   0 0 28,733
MICROSOFT CORP COM 594918104   1,863,435 5,472 SH   SOLE   0 0 5,472
NOKIA CORP SPONSORED ADR 654902204   300,011 72,118 SH   SOLE   0 0 72,118
NUTRIEN LTD COM 67077M108   441,576 7,478 SH   SOLE   0 0 7,478
NORTHERN TR CORP COM 665859104   437,648 5,903 SH   SOLE   0 0 5,903
OWENS CORNING NEW COM 690742101   1,137,569 8,717 SH   SOLE   0 0 8,717
PEPSICO INC COM 713448108   285,794 1,543 SH   SOLE   0 0 1,543
PFIZER INC COM 717081103   619,819 16,898 SH   SOLE   0 0 16,898
PROCTER & GAMBLE CO COM 742718109   223,513 1,473 SH   SOLE   0 0 1,473
PAYPAL HLDGS INC COM 70450Y103   287,206 4,304 SH   SOLE   0 0 4,304
SOUTHERN COPPER CORP COM 84265V105   260,058 3,625 SH   SOLE   0 0 3,625
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,901,621 43,416 SH   SOLE   0 0 43,416
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,532,685 45,386 SH   SOLE   0 0 45,386
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   949,797 13,079 SH   SOLE   0 0 13,079
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,813,516 50,870 SH   SOLE   0 0 50,870
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,022,445 30,145 SH   SOLE   0 0 30,145
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   238,645 4,557 SH   SOLE   0 0 4,557
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,312,056 54,806 SH   SOLE   0 0 54,806
SELECT MED HLDGS CORP COM 81619Q105   286,103 8,980 SH   SOLE   0 0 8,980
SHELL PLC SPON ADS 780259305   389,934 6,458 SH   SOLE   0 0 6,458
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   342,655 773 SH   SOLE   0 0 773
STATE STR CORP COM 857477103   255,618 3,493 SH   SOLE   0 0 3,493
SYSCO CORP COM 871829107   254,803 3,434 SH   SOLE   0 0 3,434
TRUIST FINL CORP COM 89832Q109   286,565 9,442 SH   SOLE   0 0 9,442
TRAVELERS COMPANIES INC COM 89417E109   264,311 1,522 SH   SOLE   0 0 1,522
TERNIUM SA SPONSORED ADS 880890108   290,159 7,318 SH   SOLE   0 0 7,318
US BANCORP COM NEW 902973304   328,880 9,954 SH   SOLE   0 0 9,954
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,391,014 8,410 SH   SOLE   0 0 8,410
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   580,529 12,571 SH   SOLE   0 0 12,571
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   322,673 1,318 SH   SOLE   0 0 1,318
VALERO ENERGY CORP COM 91913Y100   330,434 2,817 SH   SOLE   0 0 2,817
VODAFONE GROUP PLC SPONSORED ADR 92857W308   349,500 36,984 SH   SOLE   0 0 36,984
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   464,004 3,353 SH   SOLE   0 0 3,353
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,344,829 19,289 SH   SOLE   0 0 19,289
VIATRIS INC COM 92556V106   1,473,417 147,637 SH   SOLE   0 0 147,637
VERIZON COMMUNICATIONS INC COM 92343V104   1,355,687 36,453 SH   SOLE   0 0 36,453
WENDYS CO COM 95058W100   476,260 21,897 SH   SOLE   0 0 21,897
WERNER ENTERPRISES INC COM 950755108   325,121 7,359 SH   SOLE   0 0 7,359
WELLS FARGO & CO COM 949746101   205,376 4,812 SH   SOLE   0 0 4,812
WIPRO LTD SPON ADR 1 SH 97651M109   174,484 36,967 SH   SOLE   0 0 36,967
BERKLEY W R CORP COM 084423102   379,755 6,376 SH   SOLE   0 0 6,376
WILLIAMS SONOMA INC COM 969904101   333,874 2,668 SH   SOLE   0 0 2,668
EXXON MOBIL CORP COM 30231G102   518,876 4,838 SH   SOLE   0 0 4,838