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
Apple COM 037833100   1,662,295 6,638 SH   SOLE   6,638 0 0
iShares MSCI ACWI ETF MSCI ACWI ETF 464288257   296,408 2,523 SH   SOLE   2,523 0 0
Adobe COM 00724F101   13,340 30 SH   SOLE   30 0 0
Analog Devices COM 032654105   76,061 358 SH   SOLE   358 0 0
Ameren Corp COM 023608102   10,963 123 SH   SOLE   123 0 0
Aflac Inc COM 001055102   74,270 718 SH   SOLE   718 0 0
Agco Corporation COM 001084102   33,466 358 SH   SOLE   358 0 0
Ametek COM 031100100   43,082 239 SH   SOLE   239 0 0
Amgen COM 031162100   62,293 239 SH   SOLE   239 0 0
Ameriprise Financial COM 03076C106   63,359 119 SH   SOLE   119 0 0
American Tower COM 03027X100   13,336 72 SH   SOLE   72 0 0
Amazon.com COM 023135106   131,634 600 SH   SOLE   600 0 0
Aon PLC CMN SHS CL A G0403H108   5,408 15 SH   SOLE   15 0 0
Air Products & Chemicals COM 009158106   11,154 38 SH   SOLE   38 0 0
Amphenol Corp CL-A (new) CMN Class A CL A 032095101   25,865 372 SH   SOLE   372 0 0
Aptiv PLC New COM SHS G3265R107   6,713 111 SH   SOLE   111 0 0
Barclays Select MLP ETN IPATH SELCT MLP 06742C723   1,238,580 43,797 SH   SOLE   43,797 0 0
American Water Works COM 030420103   6,583 53 SH   SOLE   53 0 0
Acuity Brands COM 00508Y102   34,763 119 SH   SOLE   119 0 0
Bank of America COM 060505104   32,684 744 SH   SOLE   744 0 0
Baxter Intl Inc COM 071813109   28,069 957 SH   SOLE   957 0 0
Bank New York COM 064058100   239,095 3,112 SH   SOLE   3,112 0 0
Bristol Myers Squibb COM 110122108   81,220 1,436 SH   SOLE   1,436 0 0
Blackstone Group COM 09260D107   240,911 1,397 SH   SOLE   1,397 0 0
Citigroup Inc COM NEW 172967424   32,709 465 SH   SOLE   465 0 0
Carrier Global Corporation COM 14448C104   3,013 44 SH   SOLE   44 0 0
Church & Dwight Co Inc COM 171340102   50,051 478 SH   SOLE   478 0 0
Charter CL A 16119P108   3,428 10 SH   SOLE   10 0 0
CIGNA COM 125523100   462,811 1,676 SH   SOLE   1,676 0 0
Colgate Palmolive COM 194162103   87,001 957 SH   SOLE   957 0 0
ConocoPhillips COM 20825C104   121,832 1,229 SH   SOLE   1,229 0 0
Crane Co New Com COMMON STOCK 224408104   50,183 478 SH   SOLE   478 0 0
Salesforce COM 79466L302   640,673 1,914 SH   SOLE   1,914 0 0
Crowdstrike CL A 22788C105   721,273 2,108 SH   SOLE   2,108 0 0
Cisco Systems COM 17275R102   85,011 1,436 SH   SOLE   1,436 0 0
Cintas Corp COM 172908105   42,631 233 SH   SOLE   233 0 0
Corteva Inc COM 22052L104   23,240 408 SH   SOLE   408 0 0
CVS Health COM 126650100   21,457 478 SH   SOLE   478 0 0
Donaldson COM 257651109   32,193 478 SH   SOLE   478 0 0
DuPont De Nemours Inc COM 26614N102   31,110 408 SH   SOLE   408 0 0
Danaher COM 235851102   19,114 83 SH   SOLE   83 0 0
HF Sinclair Corp Com COM 403949100   20,960 598 SH   SOLE   598 0 0
Dollar Tree Stores COM 256746108   71,718 957 SH   SOLE   957 0 0
Dow COM 260557103   16,373 408 SH   SOLE   408 0 0
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234   3,386 81 SH   SOLE   81 0 0
Eaton Corp SHS G29183103   38,715 117 SH   SOLE   117 0 0
Edwards Lifesciences COM 28176E108   106,159 1,434 SH   SOLE   1,434 0 0
Facebook CL A 30303M102   73,386 125 SH   SOLE   125 0 0
Fidelity Wise Origin (bitcoin Fund) SHS 315948109   1,938 24 SH   SOLE   24 0 0
Fidelity Ethereum (fund) SHS 31613E103   1,066 32 SH   SOLE   32 0 0
Fifth Third Bancorp COM 316773100   10,193 239 SH   SOLE   239 0 0
iShares China Largecap CHINA LG-CAP ETF 464287184   6,416 211 SH   SOLE   211 0 0
Corning Inc COM 219350105   91,001 1,915 SH   SOLE   1,915 0 0
Alphabet (Google) Class C CAP STK CL C 02079K107   795,397 4,177 SH   SOLE   4,177 0 0
Goldman Sachs COM 38141G104   131,130 229 SH   SOLE   229 0 0
Home Depot Inc COM 437076102   185,937 478 SH   SOLE   478 0 0
Hilton Worldwide COM 43300A203   30,154 122 SH   SOLE   122 0 0
Hubspot Inc COM 443573100   725,338 1,041 SH   SOLE   1,041 0 0
Humana Inc COM 444859102   30,297 119 SH   SOLE   119 0 0
iShares Gold Trust ISHARES NEW 464285204   5,112,011 103,252 SH   SOLE   103,252 0 0
iShares Nasdaq Biotechnology ETF ISHARES BIOTECH 464287556   1,220,650 9,233 SH   SOLE   9,233 0 0
Intel COM 458140100   24,000 1,197 SH   SOLE   1,197 0 0
Intuit Com COM 461202103   28,502,313 45,350 SH   SOLE   45,350 0 0
Iqvia Holdings Inc CMN COM 46266C105   27,708 141 SH   SOLE   141 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   236,575 402 SH   SOLE   402 0 0
Johnson & Johnson COM 478160104   138,401 957 SH   SOLE   957 0 0
JPMorgan Chase & Co COM 46625H100   411,167 1,715 SH   SOLE   1,715 0 0
KraneShares California Carbon Allowance ETF CALIFORNIA CARB 500767553   1,911,401 97,421 SH   SOLE   97,421 0 0
Quaker Chemical Corp COM 747316107   168,490 1,197 SH   SOLE   1,197 0 0
Southwest Airlns Co COM 844741108   28,291 837 SH   SOLE   837 0 0
MongoDB CL A 60937P106   476,096 2,045 SH   SOLE   2,045 0 0
Mercadolibre COM 58733R102   5,101 3 SH   SOLE   3 0 0
Merck & Co Inc. COM 58933Y105   72,008 718 SH   SOLE   718 0 0
MSCI Inc. CMN COM 55354G100   12,710 21 SH   SOLE   21 0 0
Microsoft COM 594918104   1,656,794 3,931 SH   SOLE   3,931 0 0
MSG Networks CL A 55825T103   244,186 1,082 SH   SOLE   1,082 0 0
Nike CL B 654106103   5,450 72 SH   SOLE   72 0 0
Net Lease Office COM 64110Y108   7,646 245 SH   SOLE   245 0 0
Northrop Grumman COM 666807102   75,813 162 SH   SOLE   162 0 0
ServiceNow COM 81762P102   854,457 806 SH   SOLE   806 0 0
Northern Trust COM 665859104   24,677 239 SH   SOLE   239 0 0
Nvidia Corp COM 67066G104   20,148 150 SH   SOLE   150 0 0
Organon & Co COMMON STOCK 68622V106   1,059 71 SH   SOLE   71 0 0
Otis Worldwide COM 68902V107   2,037 22 SH   SOLE   22 0 0
Payoneer Global Inc COM 70451X104   31,033,389 3,090,975 SH   SOLE   3,090,975 0 0
PepsiCo COM 713448108   55,671 363 SH   SOLE   363 0 0
Pfizer Inc. COM 717081103   82,561 3,112 SH   SOLE   3,112 0 0
Prologis Inc Com COM 74340W103   2,927 28 SH   SOLE   28 0 0
Phillips 66 Com COM 718546104   40,787 358 SH   SOLE   358 0 0
Regions Financial COM 7591EP100   28,453 1,197 SH   SOLE   1,197 0 0
Rockwell Automation COM 773903109   170,902 598 SH   SOLE   598 0 0
Invesco Exchange (traded FD TR S&P500 Eql WGT) S&P500 EQL WGT 46137V357   2,198,150 12,544 SH   SOLE   12,544 0 0
Raytheon Technologies COM 75513E101   5,092 44 SH   SOLE   44 0 0
Schwab Charles Corp COM 808513105   22,057 298 SH   SOLE   298 0 0
Sea Limited Ads Each SPONSORD ADS 81141R100   3,820 36 SH   SOLE   36 0 0
SPDR Portfolio (developed World Ex-US Etf) PORTFOLIO DEVLPD 78463X889   5,175,295 151,635 SH   SOLE   151,635 0 0
SPDR Portfolio (emerging Markets Etf) PORTFOLIO EMG MK 78463X509   857,812 22,356 SH   SOLE   22,356 0 0
S&P Global Inc Com COM 78409V104   18,031 36 SH   SOLE   36 0 0
SPDR Ser TR Portfli (high YLD) PORTFLI HIGH YLD 78468R606   123,311 5,254 SH   SOLE   5,254 0 0
Sportradar Group AG CLASS A ORD SHS H8088L103   1,647 95 SH   SOLE   95 0 0
Steel Dynamics Inc COM 858119100   41,002 358 SH   SOLE   358 0 0
AT&T COM 00206R102   81,767 3,591 SH   SOLE   3,591 0 0
Tilray Brands Inc COM 88688T100   8,177 6,148 SH   SOLE   6,148 0 0
Thermo Fisher COM 883556102   18,247 35 SH   SOLE   35 0 0
Tortoise North American Pipeline Fund TORTOISE NRAM PI 56167N720   2,355,091 68,388 SH   SOLE   68,388 0 0
Travelers Companies COM 89417E109   60,223 250 SH   SOLE   250 0 0
Texas Instruments COM 882508104   49,659 265 SH   SOLE   265 0 0
Unitedhealth Group COM 91324P102   29,184 58 SH   SOLE   58 0 0
Union Pacific COM 907818108   15,541 68 SH   SOLE   68 0 0
Univest Financial COM 915271100   77,405 2,623 SH   SOLE   2,623 0 0
Visa COM CL A 92826C839   54,986 174 SH   SOLE   174 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   1,030,621 3,680 SH   SOLE   3,680 0 0
Vanguard Small-Cap Value ETF SM CP VAL ETF 922908611   900,728 4,545 SH   SOLE   4,545 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   12,648,380 264,500 SH   SOLE   264,500 0 0
Veralto Corp COM SHS 92338C103   2,758 27 SH   SOLE   27 0 0
Vulcan Materials Co CMN COM 929160109   23,275 90 SH   SOLE   90 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   15,348,542 28,486 SH   SOLE   28,486 0 0
Vanguard S&P 500 Growth ETF 500 GRTH IDX F 921932505   423,897 1,158 SH   SOLE   1,158 0 0
Verisk Analytics Inc COM 92345Y106   285,070 1,035 SH   SOLE   1,035 0 0
Vanguard Total US Stock Market ETF TOTAL STK MKT 922908769   45,683,849 157,634 SH   SOLE   157,634 0 0
Viatris Inc COM 92556V106   4,806 386 SH   SOLE   386 0 0
Vanguard Value Index Fund ETF VALUE ETF 922908744   1,034,931 6,113 SH   SOLE   6,113 0 0
Vanguard Scottsdale VNG RUS2000IDX 92206C664   9,250 104 SH   SOLE   104 0 0
Vanguard Growth Index Fund ETF GROWTH ETF 922908736   5,024,001 12,241 SH   SOLE   12,241 0 0
Vanguard Large-Cap (index Fund) LARGE CAP ETF 922908637   1,315,990 4,879 SH   SOLE   4,879 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858   9,736,824 221,090 SH   SOLE   221,090 0 0
Verizon Communications COM 92343V104   38,270 957 SH   SOLE   957 0 0
Warner Bros Discovery Inc COM SER A 934423104   9,175 868 SH   SOLE   868 0 0
Wells Fargo & Co COM 949746101   70,240 1,000 SH   SOLE   1,000 0 0
Walmart COM 931142103   32,329 357 SH   SOLE   357 0 0
WP Carey Inc COM 92936U109   202,341 3,655 SH   SOLE   3,655 0 0
Exxon Mobil COM 30231G102   167,267 1,555 SH   SOLE   1,555 0 0
Zoetis Inc Com CL A 98978V103   15,717 96 SH   SOLE   96 0 0