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   3,113,948 67,768 SH   SOLE   0 0 67,768
VANECK ETF TRUST IG FLOA RATE ETF 92189F486   3,505,449 136,878 SH   SOLE   0 0 136,878
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   584,001 11,451 SH   SOLE   0 0 11,451
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   3,069,103 60,690 SH   SOLE   0 0 60,690
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   812,771 16,327 SH   SOLE   0 0 16,327
ISHARES TR PFD AND INCM SEC 464288687   4,738,057 155,397 SH   SOLE   0 0 155,397
GLOBAL X FDS US PFD ETF 37954Y657   4,764,954 254,947 SH   SOLE   0 0 254,947
SPDR SERIES TRUST ST STR PFD ETF 78464A292   1,008,316 33,027 SH   SOLE   0 0 33,027
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,327,129 10,557 SH   SOLE   0 0 10,557
INVESCO ACTIVELY MANAGED EXC VAR RATE INVT 46090A879   4,111,847 169,142 SH   SOLE   0 0 169,142
AGILENT TECHNOLOGIES INC COM 00846U101   297,555 2,240 SH   SOLE   0 0 2,240
APPLE INC COM 037833100   4,119,987 14,238 SH   SOLE   0 0 14,238
ABBVIE INC COM 00287Y109   614,253 2,441 SH   SOLE   0 0 2,441
ABBOTT LABORATORIES COM 002824100   775,918 8,551 SH   SOLE   0 0 8,551
AES CORP COM 00130H105   964,441 65,787 SH   SOLE   0 0 65,787
ALLSTATE CORP COM 020002101   289,573 1,217 SH   SOLE   0 0 1,217
ALLEGION PLC ORD SHS G0176J109   542,151 3,859 SH   SOLE   0 0 3,859
APPLIED MATLS INC COM 038222105   4,184,001 5,787 SH   SOLE   0 0 5,787
AMGEN INC COM 031162100   355,602 982 SH   SOLE   0 0 982
AMERESCO INC CL A 02361E108   619,151 22,433 SH   SOLE   0 0 22,433
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   473,184 18,206 SH   SOLE   0 0 18,206
AMAZON COM INC COM 023135106   1,417,885 5,949 SH   SOLE   0 0 5,949
AIR PRODUCTS AND CHEMICALS I COM 009158106   607,480 2,072 SH   SOLE   0 0 2,072
ALGONQUIN POWER & UTILITIES COM 015857105   203,582 34,741 SH   SOLE   0 0 34,741
GRUPO AEROPORTUARIO DEL CENT SPON ADR 400501102   481,826 1,571 SH   SOLE   0 0 1,571
BROADCOM INC COM 11135F101   5,710,069 15,116 SH   SOLE   0 0 15,116
AMERICAN EXPRESS CO COM 025816109   453,932 1,342 SH   SOLE   0 0 1,342
BARRICK MNG CORP COM SHS 06849F108   1,439,889 39,202 SH   SOLE   0 0 39,202
BANK OF AMER CORP COM 060505104   712,109 12,498 SH   SOLE   0 0 12,498
BECTON DICKINSON & CO COM 075887109   310,801 2,054 SH   SOLE   0 0 2,054
BUNGE GLOBAL SA COM SHS H11356104   500,884 4,693 SH   SOLE   0 0 4,693
BLACK HILLS CORP COM 092113109   470,871 6,329 SH   SOLE   0 0 6,329
BRISTOL-MYERS SQUIBB CO COM 110122108   1,431,999 24,852 SH   SOLE   0 0 24,852
CAPITAL ONE FINL CORP COM 14040H105   962,976 4,800 SH   SOLE   0 0 4,800
COHERENT CORP COM 19247G107   519,123 1,316 SH   SOLE   0 0 1,316
CORCEPT THERAPEUTICS INC COM 218352102   347,800 4,000 SH   SOLE   0 0 4,000
COSTCO WHOLESALE CORPORATION COM 22160K105   788,601 843 SH   SOLE   0 0 843
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   305,328 7,884 SH   SOLE   0 0 7,884
CHEVRON CORPORATION COM 166764100   386,465 2,331 SH   SOLE   0 0 2,331
DOMINION ENERGY INC COM 25746U109   866,635 12,691 SH   SOLE   0 0 12,691
DROPBOX INC CL A 26210C104   584,671 21,284 SH   SOLE   0 0 21,284
DOCUSIGN INC COM 256163106   664,879 14,968 SH   SOLE   0 0 14,968
DOVER CORP COM 260003108   206,338 920 SH   SOLE   0 0 920
DARDEN RESTAURANTS INC COM 237194105   949,372 4,608 SH   SOLE   0 0 4,608
EBAY INC. COM 278642103   442,418 3,959 SH   SOLE   0 0 3,959
ENERGIZER HLDGS INC COM 29272W109   651,956 30,408 SH   SOLE   0 0 30,408
ENERSYS COM 29275Y102   1,403,047 6,001 SH   SOLE   0 0 6,001
WISDOMTREE TR INDIA ERNGS FD 97717W422   270,070 6,313 SH   SOLE   0 0 6,313
ISHARES INC MSCI AUST ETF 464286103   422,016 14,986 SH   SOLE   0 0 14,986
ISHARES INC MSCI AUSTRIA ETF 464286202   786,217 26,552 SH   SOLE   0 0 26,552
ISHARES INC MSCI MEXICO ETF 464286822   1,231,653 16,363 SH   SOLE   0 0 16,363
ISHARES INC MSCI BRAZIL ETF 464286400   222,939 6,462 SH   SOLE   0 0 6,462
EXELIXIS INC COM 30161Q104   1,393,005 25,602 SH   SOLE   0 0 25,602
EXPEDIA GROUP INC COM NEW 30212P303   1,537,951 6,010 SH   SOLE   0 0 6,010
F5 INC COM 315616102   365,213 878 SH   SOLE   0 0 878
FIRST SOLAR INC COM 336433107   223,690 948 SH   SOLE   0 0 948
GEN DIGITAL INC COM 668771108   734,005 29,490 SH   SOLE   0 0 29,490
SPDR GOLD TR GOLD SHS 78463V107   449,055 1,219 SH   SOLE   0 0 1,219
ALPHABET INC CAP STK CL C 02079K107   240,264 680 SH   SOLE   0 0 680
ALPHABET INC CAP STK CL A 02079K305   5,014,136 14,031 SH   SOLE   0 0 14,031
HEWLETT PACKARD ENTERPRISE C COM 42824C109   1,809,861 40,121 SH   SOLE   0 0 40,121
BLOCK H & R INC COM 093671105   211,039 5,542 SH   SOLE   0 0 5,542
ICON PUB LTD CO SHS G4705A100   265,429 1,528 SH   SOLE   0 0 1,528
ISHARES TR INDIA 50 ETF 464289529   417,247 8,448 SH   SOLE   0 0 8,448
ISHARES TR RUSSELL 2000 ETF 464287655   1,753,426 5,836 SH   SOLE   0 0 5,836
ISHARES TR CORE S&P MCP ETF 464287507   211,369 838 SH   SOLE   0 0 838
JACOBS SOLUTIONS INC COM 46982L108   215,460 1,710 SH   SOLE   0 0 1,710
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   762,911 3,166 SH   SOLE   0 0 3,166
JOHNSON & JOHNSON COM 478160104   682,163 2,686 SH   SOLE   0 0 2,686
JPMORGAN CHASE & CO COM 46625H100   1,248,779 3,815 SH   SOLE   0 0 3,815
KBR INC COM 48242W106   572,024 16,566 SH   SOLE   0 0 16,566
CHENIERE ENERGY INC COM NEW 16411R208   533,013 2,230 SH   SOLE   0 0 2,230
MCDONALDS CORP COM 580135101   335,455 1,241 SH   SOLE   0 0 1,241
MEDTRONIC PLC SHS G5960L103   821,493 10,501 SH   SOLE   0 0 10,501
METHANEX CORP COM 59151K108   252,948 5,481 SH   SOLE   0 0 5,481
MCCORMICK & CO INC COM NON VTG 579780206   391,099 7,757 SH   SOLE   0 0 7,757
MERCK & CO INC COM 58933Y105   232,842 1,812 SH   SOLE   0 0 1,812
MARSH & MCLENNAN COS INC COM 571748102   590,012 3,540 SH   SOLE   0 0 3,540
MICROSOFT CORP COM 594918104   1,925,587 5,162 SH   SOLE   0 0 5,162
NORTHERN TR CORP COM 665859104   627,041 3,607 SH   SOLE   0 0 3,607
NVIDIA CORPORATION COM 67066G104   1,033,125 5,163 SH   SOLE   0 0 5,163
NOVARTIS AG SPONSORED ADR 66987V109   298,552 1,905 SH   SOLE   0 0 1,905
OWENS CORNING NEW COM 690742101   1,074,579 6,760 SH   SOLE   0 0 6,760
PATRIA INVESTMENTS LIMITED COM CL A G69451105   1,056,946 96,261 SH   SOLE   0 0 96,261
PEPSICO INC COM 713448108   601,988 4,446 SH   SOLE   0 0 4,446
PROCTER & GAMBLE CO COM 742718109   231,251 1,577 SH   SOLE   0 0 1,577
PUBLIC STORAGE COM 74460D109   734,719 2,308 SH   SOLE   0 0 2,308
PAYPAL HLDGS INC COM 70450Y103   419,640 9,718 SH   SOLE   0 0 9,718
QUALCOMM INC COM 747525103   335,790 1,817 SH   SOLE   0 0 1,817
RYDER SYS INC COM 783549108   465,813 1,766 SH   SOLE   0 0 1,766
ROGERS COMMUNICATIONS INC CL B 775109200   233,123 7,173 SH   SOLE   0 0 7,173
RADWARE LTD ORD M81873107   271,815 8,808 SH   SOLE   0 0 8,808
RESIDEO TECHNOLOGIES INC COM 76118Y104   662,243 21,294 SH   SOLE   0 0 21,294
RYMAN HOSPITALITY PPTYS INC COM 78377T107   930,531 7,239 SH   SOLE   0 0 7,239
RESMED INC COM 761152107   296,218 1,520 SH   SOLE   0 0 1,520
INVESCO ACTIVELY MANAGED EXC S&P 500 EQUA ETF 46090A697   544,053 2,557 SH   SOLE   0 0 2,557
STAR BULK CARRIERS CORP. SHS PAR Y8162K204   525,161 21,032 SH   SOLE   0 0 21,032
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,253,657 90,054 SH   SOLE   0 0 90,054
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,410,278 29,308 SH   SOLE   0 0 29,308
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,479,765 46,666 SH   SOLE   0 0 46,666
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,800,481 101,100 SH   SOLE   0 0 101,100
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,476,920 42,428 SH   SOLE   0 0 42,428
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   371,994 12,640 SH   SOLE   0 0 12,640
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,649,018 51,970 SH   SOLE   0 0 51,970
SHELL PLC SPON ADS 780259305   244,716 3,156 SH   SOLE   0 0 3,156
SCOTTS MIRACLE-GRO CO CL A 810186106   306,075 4,494 SH   SOLE   0 0 4,494
SOUNDHOUND AI INC CLASS A COM 836100107   71,500 11,051 SH   SOLE   0 0 11,051
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   527,603 707 SH   SOLE   0 0 707
STATE STR CORP COM 857477103   594,109 3,503 SH   SOLE   0 0 3,503
STRYKER CORPORATION COM 863667101   410,551 1,304 SH   SOLE   0 0 1,304
SYSCO CORP COM 871829107   962,210 11,512 SH   SOLE   0 0 11,512
THOMSON REUTERS CORP COM *A* 884903881   309,448 3,789 SH   SOLE   0 0 3,789
TRAVELERS COMPANIES INC COM 89417E109   776,469 2,352 SH   SOLE   0 0 2,352
AGEAGLE AERIAL SYS INC NEW COM SHS 00848K309   14,528 16,300 SH   SOLE   0 0 16,300
UNION PAC CORP COM 907818108   426,224 1,567 SH   SOLE   0 0 1,567
UNITED PARCEL SVCS INC CL B 911312106   340,990 3,172 SH   SOLE   0 0 3,172
US BANCORP COM NEW 902973304   556,374 9,211 SH   SOLE   0 0 9,211
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,377,471 5,669 SH   SOLE   0 0 5,669
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   775,770 10,888 SH   SOLE   0 0 10,888
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   626,982 2,097 SH   SOLE   0 0 2,097
VALERO ENERGY CORP COM 91913Y100   567,878 2,180 SH   SOLE   0 0 2,180
VODAFONE GROUP PLC SPONSORED ADR 92857W308   180,373 13,639 SH   SOLE   0 0 13,639
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   409,166 2,071 SH   SOLE   0 0 2,071
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   1,271,373 10,989 SH   SOLE   0 0 10,989
VANGUARD WORLD FD UTILITIES ETF 92204A876   270,616 1,383 SH   SOLE   0 0 1,383
VANGUARD INDEX FDS TOTAL STK MKT 922908769   342,657 926 SH   SOLE   0 0 926
VIATRIS INC COM 92556V106   495,277 31,189 SH   SOLE   0 0 31,189
VANGUARD INDEX FDS VALUE ETF 922908744   367,702 1,687 SH   SOLE   0 0 1,687
VANGUARD INDEX FDS GROWTH ETF 922908736   447,067 5,190 SH   SOLE   0 0 5,190
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   232,304 1,470 SH   SOLE   0 0 1,470
VERIZON COMMUNICATIONS INC COM 92343V104   992,902 23,451 SH   SOLE   0 0 23,451
WELLS FARGO & CO COM 949746101   386,466 4,677 SH   SOLE   0 0 4,677
BERKLEY W R CORP COM 084423102   527,212 7,475 SH   SOLE   0 0 7,475
WILLIAMS SONOMA INC COM 969904101   210,023 901 SH   SOLE   0 0 901
EXXON MOBIL CORP COM 30231G102   375,570 2,747 SH   SOLE   0 0 2,747