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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1 13 SH   SOLE   13 0 0
AEGON N V NY REGISTRY SHS 007924103 2 335 SH   SOLE   335 0 0
ALIGN TECHNOLOGY INC COM 016255101 2 8 SH   SOLE   8 0 0
ALPHABET INC CAP STK CL C 02079K107 1 1 SH   SOLE   1 0 0
ALPHABET INC CAP STK CL A 02079K305 8 7 SH   SOLE   7 0 0
AMAZON COM INC COM 023135106 6 3 SH   SOLE   3 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2 9 SH   SOLE   9 0 0
APPLE INC COM 037833100 49 248 SH   SOLE   248 0 0
AT&T INC COM 00206R102 10 299 SH   SOLE   299 0 0
ATLANTICA YIELD PLC SHS G0751N103 2 73 SH   SOLE   73 0 0
BANK AMER CORP COM 060505104 2 71 SH   SOLE   71 0 0
BARCLAYS PLC ADR 06738E204 1 150 SH   SOLE   150 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1 7 SH   SOLE   7 0 0
BHP GROUP LTD SPONSORED ADS 088606108 1 23 SH   SOLE   23 0 0
BIOGEN INC COM 09062X103 1 5 SH   SOLE   5 0 0
BT GROUP PLC ADR 05577E101 1 103 SH   SOLE   103 0 0
CISCO SYS INC COM 17275R102 18 326 SH   SOLE   326 0 0
COCA COLA EUROPEAN PARTNERS SHS G25839104 10 184 SH   SOLE   184 0 0
COMPANHIA DE SANEAMENTO BASI SPONSORED ADR 20441A102 5 447 SH   SOLE   447 0 0
COMPANHIA PARANAENSE ENERG C SPON ADR PFD 20441B407 1 87 SH   SOLE   87 0 0
COMPANHIA SIDERURGICA NACION SPONSORED ADR 20440W105 1 221 SH   SOLE   221 0 0
COSTCO WHSL CORP NEW COM 22160K105 1 4 SH   SOLE   4 0 0
CRITEO S A SPONS ADS 226718104 2 131 SH   SOLE   131 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 1 19 SH   SOLE   19 0 0
EROS INTL PLC SHS NEW G3788M114 0 70 SH   SOLE   70 0 0
EXXON MOBIL CORP COM 30231G102 1 11 SH   SOLE   11 0 0
FACEBOOK INC CL A 30303M102 2 11 SH   SOLE   11 0 0
FLY LEASING LTD SPONSORED ADR 34407D109 3 182 SH   SOLE   182 0 0
GENERAL MLS INC COM 370334104 5 86 SH   SOLE   86 0 0
GENERAL MOLY INC COM 370373102 5 15,000 SH   SOLE   15,000 0 0
HALLIBURTON CO COM 406216101 16 700 SH   SOLE   700 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 2 54 SH   SOLE   54 0 0
INDUSTRIAS BACHOCO S A B DE SPON ADR B 456463108 3 62 SH   SOLE   62 0 0
INTEL CORP COM 458140100 13 279 SH   SOLE   279 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 8,335 65,282 SH   SOLE   65,282 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 152 1,300 SH   SOLE   1,300 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7 40 SH   SOLE   40 0 0
ISHARES INC CORE MSCI EMKT 46434G103 12 229 SH   SOLE   229 0 0
ISHARES TR CORE US AGGBD ET 464287226 3 26 SH   SOLE   26 0 0
ISHARES TR CORE S&P MCP ETF 464287507 39 200 SH   SOLE   200 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 94 600 SH   SOLE   600 0 0
ISHARES TR JPMORGAN USD EMG 464288281 2 20 SH   SOLE   20 0 0
ISHARES TR MIN VOL USA ETF 46429B697 43 699 SH   SOLE   699 0 0
ISHARES TR CORE MSCI EAFE 46432F842 19 308 SH   SOLE   308 0 0
JOHNSON & JOHNSON COM 478160104 13 94 SH   SOLE   94 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 1 19 SH   SOLE   19 0 0
KRAFT HEINZ CO COM 500754106 2 57 SH   SOLE   57 0 0
KT CORP SPONSORED ADR 48268K101 6 464 SH   SOLE   464 0 0
LEXINFINTECH HLDGS LTD ADR 528877103 0 37 SH   SOLE   37 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 0 147 SH   SOLE   147 0 0
MARATHON PETE CORP COM 56585A102 5 96 SH   SOLE   96 0 0
MARRIOTT VACTINS WORLDWID CO COM 57164Y107 5 48 SH   SOLE   48 0 0
MASTERCARD INC CL A 57636Q104 31 117 SH   SOLE   117 0 0
MELCO RESORTS AND ENTMT LTD ADR 585464100 5 241 SH   SOLE   241 0 0
MICROSOFT CORP COM 594918104 24 182 SH   SOLE   182 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 3 630 SH   SOLE   630 0 0
MIZUHO FINL GROUP INC SPONSORED ADR 60687Y109 4 1,267 SH   SOLE   1,267 0 0
NICE LTD SPONSORED ADR 653656108 11 77 SH   SOLE   77 0 0
NOMAD FOODS LTD USD ORD SHS G6564A105 1 39 SH   SOLE   39 0 0
NORFOLK SOUTHERN CORP COM 655844108 834 4,185 SH   SOLE   4,185 0 0
NOVO-NORDISK A S ADR 670100205 7 130 SH   SOLE   130 0 0
NVIDIA CORP COM 67066G104 49 300 SH   SOLE   300 0 0
ORIX CORP SPONSORED ADR 686330101 0 6 SH   SOLE   6 0 0
PEARSON PLC SPONSORED ADR 705015105 4 353 SH   SOLE   353 0 0
PEPSICO INC COM 713448108 2 16 SH   SOLE   16 0 0
PHILLIPS 66 COM 718546104 26 283 SH   SOLE   283 0 0
QIAGEN NV SHS NEW N72482123 8 186 SH   SOLE   186 0 0
QUALCOMM INC COM 747525103 72 951 SH   SOLE   951 0 0
RIO TINTO PLC SPONSORED ADR 767204100 4 70 SH   SOLE   70 0 0
S&P GLOBAL INC COM 78409V104 1 5 SH   SOLE   5 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,681 66,697 SH   SOLE   66,697 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 121 4,600 SH   SOLE   4,600 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,618 96,003 SH   SOLE   96,003 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3 52 SH   SOLE   52 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 95 1,023 SH   SOLE   1,023 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 82 1,407 SH   SOLE   1,407 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 92 772 SH   SOLE   772 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 11 400 SH   SOLE   400 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 84 1,084 SH   SOLE   1,084 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 127 1,628 SH   SOLE   1,628 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 34 567 SH   SOLE   567 0 0
SERVICENOW INC COM 81762P102 2 8 SH   SOLE   8 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 3 68 SH   SOLE   68 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 349 1,190 SH   SOLE   1,190 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 9 1,315 SH   SOLE   1,315 0 0
TARO PHARMACEUTICAL INDS LTD SHS M8737E108 1 11 SH   SOLE   11 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 1 21 SH   SOLE   21 0 0
UNION PACIFIC CORP COM 907818108 93 550 SH   SOLE   550 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1 4 SH   SOLE   4 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 87 994 SH   SOLE   994 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 38 256 SH   SOLE   256 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4 70 SH   SOLE   70 0 0
VARIAN MED SYS INC COM 92220P105 15 112 SH   SOLE   112 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 1 15 SH   SOLE   15 0 0
WALMART INC COM 931142103 1 13 SH   SOLE   13 0 0
WELLS FARGO CO NEW COM 949746101 10 216 SH   SOLE   216 0 0
WNS HOLDINGS LTD SPON ADR 92932M101 6 93 SH   SOLE   93 0 0
WPP PLC NEW ADR 92937A102 2 38 SH   SOLE   38 0 0
WYNDHAM DESTINATIONS INC COM 98310W108 3 59 SH   SOLE   59 0 0
YUM CHINA HLDGS INC COM 98850P109 0 7 SH   SOLE   7 0 0