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
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663   297,442 3,255 SH   SOLE   0 0 3,255
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   3,187,182 68,660 SH   SOLE   0 0 68,660
VANECK ETF TRUST IG FLOA RATE ETF 92189F486   3,436,960 134,889 SH   SOLE   0 0 134,889
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   583,314 11,451 SH   SOLE   0 0 11,451
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   3,213,728 63,525 SH   SOLE   0 0 63,525
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   850,437 17,012 SH   SOLE   0 0 17,012
ISHARES TR PFD AND INCM SEC 464288687   3,833,938 123,835 SH   SOLE   0 0 123,835
GLOBAL X FDS US PFD ETF 37954Y657   4,465,663 236,154 SH   SOLE   0 0 236,154
SPDR SERIES TRUST ST STR PFD ETF 78464A292   1,049,312 33,112 SH   SOLE   0 0 33,112
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,250,959 10,895 SH   SOLE   0 0 10,895
INVESCO ACTIVELY MANAGED EXC VAR RATE INVT 46090A879   2,961,856 121,737 SH   SOLE   0 0 121,737
APPLE INC COM 037833100   4,052,914 14,908 SH   SOLE   0 0 14,908
ABBVIE INC COM 00287Y109   654,167 2,863 SH   SOLE   0 0 2,863
AES CORP COM 00130H105   1,053,825 73,488 SH   SOLE   0 0 73,488
ALLEGION PLC ORD SHS G0176J109   527,496 3,313 SH   SOLE   0 0 3,313
APPLIED MATLS INC COM 038222105   1,713,352 6,667 SH   SOLE   0 0 6,667
AMCOR PLC COM NEW G0250X149   86,044 10,317 SH   SOLE   0 0 10,317
AMGEN INC COM 031162100   396,372 1,211 SH   SOLE   0 0 1,211
AMERESCO INC CL A 02361E108   426,638 14,566 SH   SOLE   0 0 14,566
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   373,515 18,070 SH   SOLE   0 0 18,070
AMAZON COM INC COM 023135106   831,644 3,603 SH   SOLE   0 0 3,603
AIR PRODUCTS AND CHEMICALS I COM 009158106   470,101 1,903 SH   SOLE   0 0 1,903
ALGONQUIN POWER & UTILITIES COM 015857105   284,782 46,306 SH   SOLE   0 0 46,306
BROADCOM INC COM 11135F101   5,979,916 17,278 SH   SOLE   0 0 17,278
AMERICAN EXPRESS CO COM 025816109   496,473 1,342 SH   SOLE   0 0 1,342
BARRICK MNG CORP COM SHS 06849F108   1,964,105 45,100 SH   SOLE   0 0 45,100
BANK OF AMER CORP COM 060505104   807,097 14,674 SH   SOLE   0 0 14,674
BECTON DICKINSON & CO COM 075887109   374,901 1,932 SH   SOLE   0 0 1,932
BUNGE GLOBAL SA COM SHS H11356104   478,538 5,372 SH   SOLE   0 0 5,372
BLACK HILLS CORP COM 092113109   656,453 9,456 SH   SOLE   0 0 9,456
BRISTOL-MYERS SQUIBB CO COM 110122108   1,368,538 25,371 SH   SOLE   0 0 25,371
BERKSHIRE HATHAWAY INC DEL CL A 084670108   528,788 1,052 SH   SOLE   0 0 1,052
CONAGRA BRANDS INC COM 205887102   306,617 17,713 SH   SOLE   0 0 17,713
CME GROUP INC COM 12572Q105   531,687 1,947 SH   SOLE   0 0 1,947
CAPITAL ONE FINL CORP COM 14040H105   1,135,699 4,686 SH   SOLE   0 0 4,686
COHERENT CORP COM 19247G107   277,593 1,504 SH   SOLE   0 0 1,504
COSTCO WHOLESALE CORPORATION COM 22160K105   761,446 883 SH   SOLE   0 0 883
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   721,937 8,698 SH   SOLE   0 0 8,698
CHEVRON CORPORATION COM 166764100   417,971 2,742 SH   SOLE   0 0 2,742
DOMINION ENERGY INC COM 25746U109   783,408 13,371 SH   SOLE   0 0 13,371
DROPBOX INC CL A 26210C104   388,672 13,981 SH   SOLE   0 0 13,981
DOCUSIGN INC COM 256163106   1,091,869 15,963 SH   SOLE   0 0 15,963
DARDEN RESTAURANTS INC COM 237194105   841,444 4,573 SH   SOLE   0 0 4,573
EBAY INC. COM 278642103   424,090 4,869 SH   SOLE   0 0 4,869
ENERGIZER HLDGS INC COM 29272W109   566,536 28,483 SH   SOLE   0 0 28,483
ENERSYS COM 29275Y102   1,165,903 7,945 SH   SOLE   0 0 7,945
WISDOMTREE TR INDIA ERNGS FD 97717W422   292,229 6,313 SH   SOLE   0 0 6,313
ISHARES INC MSCI AUST ETF 464286103   410,217 15,663 SH   SOLE   0 0 15,663
ISHARES INC MSCI AUSTRIA ETF 464286202   921,632 33,502 SH   SOLE   0 0 33,502
ISHARES INC MSCI MEXICO ETF 464286822   1,133,995 16,356 SH   SOLE   0 0 16,356
ISHARES INC MSCI BRAZIL ETF 464286400   205,298 6,462 SH   SOLE   0 0 6,462
EXELIXIS INC COM 30161Q104   1,183,235 26,996 SH   SOLE   0 0 26,996
EXPEDIA GROUP INC COM NEW 30212P303   1,737,006 6,131 SH   SOLE   0 0 6,131
F5 INC COM 315616102   291,252 1,141 SH   SOLE   0 0 1,141
FIRST SOLAR INC COM 336433107   270,634 1,036 SH   SOLE   0 0 1,036
GEN DIGITAL INC COM 668771108   778,271 28,623 SH   SOLE   0 0 28,623
SPDR GOLD TR GOLD SHS 78463V107   500,936 1,264 SH   SOLE   0 0 1,264
ALPHABET INC CAP STK CL C 02079K107   376,874 1,201 SH   SOLE   0 0 1,201
ALPHABET INC CAP STK CL A 02079K305   5,258,158 16,799 SH   SOLE   0 0 16,799
HOME DEPOT INC COM 437076102   368,875 1,072 SH   SOLE   0 0 1,072
HONEYWELL INTL INC COM *D* 438516106   288,733 1,480 SH   SOLE   0 0 1,480
HEWLETT PACKARD ENTERPRISE C COM 42824C109   1,021,531 42,528 SH   SOLE   0 0 42,528
ICON PUB LTD CO SHS G4705A100   343,849 1,887 SH   SOLE   0 0 1,887
ISHARES TR INDIA 50 ETF 464289529   359,216 6,646 SH   SOLE   0 0 6,646
ISHARES TR RUSSELL 2000 ETF 464287655   1,439,554 5,848 SH   SOLE   0 0 5,848
ISHARES TR DOW JONES US ETF 464287846   328,275 1,980 SH   SOLE   0 0 1,980
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   563,040 3,312 SH   SOLE   0 0 3,312
JOHNSON CONTROLS INTERNATION SHS G51502105   249,320 2,082 SH   SOLE   0 0 2,082
JOHNSON & JOHNSON COM 478160104   617,125 2,982 SH   SOLE   0 0 2,982
JPMORGAN CHASE & CO COM 46625H100   1,426,050 4,426 SH   SOLE   0 0 4,426
KBR INC COM 48242W106   609,914 15,172 SH   SOLE   0 0 15,172
CHENIERE ENERGY INC COM NEW 16411R208   543,581 2,796 SH   SOLE   0 0 2,796
MCDONALDS CORP COM 580135101   532,102 1,741 SH   SOLE   0 0 1,741
MEDTRONIC PLC SHS G5960L103   950,226 9,892 SH   SOLE   0 0 9,892
METHANEX CORP COM 59151K108   254,009 6,395 SH   SOLE   0 0 6,395
MERCK & CO INC COM 58933Y105   230,730 2,192 SH   SOLE   0 0 2,192
MARSH & MCLENNAN COS INC COM 571748102   228,004 1,229 SH   SOLE   0 0 1,229
MICROSOFT CORP COM 594918104   2,390,556 4,943 SH   SOLE   0 0 4,943
NORTHERN TR CORP COM 665859104   558,517 4,089 SH   SOLE   0 0 4,089
NVIDIA CORPORATION COM 67066G104   809,226 4,339 SH   SOLE   0 0 4,339
NOVARTIS AG SPONSORED ADR 66987V109   297,386 2,157 SH   SOLE   0 0 2,157
OWENS CORNING NEW COM 690742101   765,874 6,844 SH   SOLE   0 0 6,844
PATRIA INVESTMENTS LIMITED COM CL A G69451105   1,422,123 89,498 SH   SOLE   0 0 89,498
PEPSICO INC COM 713448108   674,831 4,702 SH   SOLE   0 0 4,702
PROCTER & GAMBLE CO COM 742718109   226,000 1,577 SH   SOLE   0 0 1,577
PUBLIC STORAGE COM 74460D109   570,934 2,200 SH   SOLE   0 0 2,200
PAYPAL HLDGS INC COM 70450Y103   381,304 6,531 SH   SOLE   0 0 6,531
QUALCOMM INC COM 747525103   350,542 2,049 SH   SOLE   0 0 2,049
RYDER SYS INC COM 783549108   379,544 1,983 SH   SOLE   0 0 1,983
ROGERS COMMUNICATIONS INC CL B 775109200   268,260 7,110 SH   SOLE   0 0 7,110
RESIDEO TECHNOLOGIES INC COM 76118Y104   799,401 22,762 SH   SOLE   0 0 22,762
RYMAN HOSPITALITY PPTYS INC COM 78377T107   812,880 8,591 SH   SOLE   0 0 8,591
INVESCO ACTIVELY MANAGED EXC S&P 500 EQUA ETF 46090A697   443,461 2,315 SH   SOLE   0 0 2,315
STAR BULK CARRIERS CORP. SHS PAR Y8162K204   451,312 23,481 SH   SOLE   0 0 23,481
STARBUCKS CORP COM 855244109   269,893 3,205 SH   SOLE   0 0 3,205
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,601,303 91,338 SH   SOLE   0 0 91,338
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,453,804 31,931 SH   SOLE   0 0 31,931
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,370,658 49,969 SH   SOLE   0 0 49,969
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,455,929 102,160 SH   SOLE   0 0 102,160
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,637,839 55,314 SH   SOLE   0 0 55,314
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   345,058 12,823 SH   SOLE   0 0 12,823
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,558,652 52,269 SH   SOLE   0 0 52,269
SHELL PLC SPON ADS 780259305   312,217 4,249 SH   SOLE   0 0 4,249
SCOTTS MIRACLE-GRO CO CL A 810186106   290,916 4,986 SH   SOLE   0 0 4,986
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   480,639 705 SH   SOLE   0 0 705
STATE STR CORP COM 857477103   559,258 4,335 SH   SOLE   0 0 4,335
SYSCO CORP COM 871829107   833,345 11,309 SH   SOLE   0 0 11,309
THOMSON REUTERS CORP COM *A* 884903881   550,905 4,177 SH   SOLE   0 0 4,177
TRAVELERS COMPANIES INC COM 89417E109   644,424 2,222 SH   SOLE   0 0 2,222
UNION PAC CORP COM 907818108   374,044 1,617 SH   SOLE   0 0 1,617
UNITED PARCEL SVCS INC CL B 911312106   314,631 3,172 SH   SOLE   0 0 3,172
US BANCORP COM NEW 902973304   490,965 9,201 SH   SOLE   0 0 9,201
UNITED THERAPEUTICS CORP DEL COM 91307C102   299,172 614 SH   SOLE   0 0 614
VISA INC COM CL A 92826C839   224,454 640 SH   SOLE   0 0 640
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,274,465 6,018 SH   SOLE   0 0 6,018
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   680,173 10,888 SH   SOLE   0 0 10,888
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   584,159 2,029 SH   SOLE   0 0 2,029
VALERO ENERGY CORP COM 91913Y100   485,226 2,981 SH   SOLE   0 0 2,981
VODAFONE GROUP PLC SPONSORED ADR 92857W308   310,300 23,490 SH   SOLE   0 0 23,490
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   378,424 2,134 SH   SOLE   0 0 2,134
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,062,605 11,754 SH   SOLE   0 0 11,754
VANGUARD WORLD FD UTILITIES ETF 92204A876   265,453 1,435 SH   SOLE   0 0 1,435
VANGUARD INDEX FDS TOTAL STK MKT 922908769   318,800 951 SH   SOLE   0 0 951
VIATRIS INC COM 92556V106   1,001,642 80,453 SH   SOLE   0 0 80,453
VANGUARD INDEX FDS VALUE ETF 922908744   326,833 1,711 SH   SOLE   0 0 1,711
VANGUARD INDEX FDS GROWTH ETF 922908736   421,999 865 SH   SOLE   0 0 865
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   220,590 1,537 SH   SOLE   0 0 1,537
VERIZON COMMUNICATIONS INC COM 92343V104   1,002,359 24,610 SH   SOLE   0 0 24,610
WENDYS CO COM 95058W100   421,343 50,581 SH   SOLE   0 0 50,581
WELLS FARGO & CO COM 949746101   477,316 5,121 SH   SOLE   0 0 5,121
BERKLEY W R CORP COM 084423102   579,822 8,269 SH   SOLE   0 0 8,269
EXXON MOBIL CORP COM 30231G102   502,420 4,175 SH   SOLE   0 0 4,175