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
APPLE INC COM COM 037833100 15,550 112,524 SH   SOLE   0 0 112,524
ISHARES TRUST MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL FACTOR ETF 46429B697 11,825 178,907 SH   SOLE   0 0 178,907
ISHARES INC MSCI EMERGING MARKETS MIN V MSCI EMERGING MARKETS MIN V 464286533 11,121 219,453 SH   SOLE   0 0 219,453
ALPHABET INC COM CL C COM CL C 02079K107 9,691 100,793 SH   SOLE   0 0 100,793
ISHARES TRUST MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VOL FACTOR ETF 46429B689 9,643 169,156 SH   SOLE   0 0 169,156
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 8,616 405,096 SH   SOLE   0 0 405,096
UNITEDHEALTH GROUP INC COM COM 91324P102 7,731 15,308 SH   SOLE   0 0 15,308
MICROSOFT CORP COM COM 594918104 6,175 26,514 SH   SOLE   0 0 26,514
ALPHABET INC COM CL A COM CL A 02079K305 5,909 61,780 SH   SOLE   0 0 61,780
HOME DEPOT INC COM COM 437076102 4,642 16,823 SH   SOLE   0 0 16,823
NOVO NORDISK A/S ADR SPONSORED ADR SPONSORED 670100205 4,241 42,568 SH   SOLE   0 0 42,568
VISA INC COM CL A COM CL A 92826C839 4,213 23,718 SH   SOLE   0 0 23,718
CIGNA CORPORATION COM COM 125523100 3,479 12,541 SH   SOLE   0 0 12,541
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357 3,326 26,135 SH   SOLE   0 0 26,135
ESTEE LAUDER COMPANIES INC COM CL A COM CL A 518439104 3,162 14,647 SH   SOLE   0 0 14,647
ELEVANCE HEALTH INC COM COM 036752103 2,738 6,028 SH   SOLE   0 0 6,028
MCDONALD'S CORPORATION COM COM 580135101 2,373 10,286 SH   SOLE   0 0 10,286
TAIWAN SEMICONDUCTOR MANUFACTU ADR SPONSORED ADR SPONSORED 874039100 2,364 34,481 SH   SOLE   0 0 34,481
CGI INC COM CL A COM CL A 12532H104 2,187 29,074 SH   SOLE   0 0 29,074
NIKE INC COM CL B COM CL B 654106103 2,147 25,836 SH   SOLE   0 0 25,836
ARCHER-DANIELS-MIDLAND CO COM COM 039483102 2,118 26,334 SH   SOLE   0 0 26,334
ACCENTURE PLC COM COM G1151C101 2,081 8,088 SH   SOLE   0 0 8,088
AMGEN INC COM COM 031162100 2,067 9,173 SH   SOLE   0 0 9,173
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702 1,903 7,128 SH   SOLE   0 0 7,128
WALMART INC COM COM 931142103 1,891 14,585 SH   SOLE   0 0 14,585
CANADIAN NATIONAL RAILWAYS CO COM COM 136375102 1,841 17,057 SH   SOLE   0 0 17,057
RELX PLC ADR SPONSORED ADR SPONSORED 759530108 1,798 73,997 SH   SOLE   0 0 73,997
LVMH MOET HENNESSY VUITTON SE ADR UNSPONSORED ADR UNSPONSORED 502441306 1,739 14,800 SH   SOLE   0 0 14,800
MCKESSON CORPORATION COM COM 58155Q103 1,693 4,982 SH   SOLE   0 0 4,982
PAYPAL HOLDINGS INC COM COM 70450Y103 1,628 18,920 SH   SOLE   0 0 18,920
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 1,608 20,063 SH   SOLE   0 0 20,063
COMCAST CORP COM CL A COM CL A 20030N101 1,566 53,405 SH   SOLE   0 0 53,405
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104 1,467 5,162 SH   SOLE   0 0 5,162
TJX COS INC COM COM 872540109 1,450 23,358 SH   SOLE   0 0 23,358
NORTHROP GRUMMAN CORP COM COM 666807102 1,443 3,070 SH   SOLE   0 0 3,070
UNILEVER PLC ADR SPONSORED ADR SPONSORED 904767704 1,409 32,158 SH   SOLE   0 0 32,158
NIPPON TEL & TEL CORP ADR SPONSORED ADR SPONSORED 654624105 1,385 51,120 SH   SOLE   0 0 51,120
WILLIS TOWERS WATSON PLC COM COM G96629103 1,356 6,753 SH   SOLE   0 0 6,753
CME GROUP INC COM COM 12572Q105 1,345 7,595 SH   SOLE   0 0 7,595
NOVARTIS AG ADR SPONSORED ADR SPONSORED 66987V109 1,315 17,309 SH   SOLE   0 0 17,309
SHELL PLC ADR SPONSORED ADR SPONSORED 780259305 1,304 26,212 SH   SOLE   0 0 26,212
AMAZON COM INC COM COM 023135106 1,274 11,280 SH   SOLE   0 0 11,280
CISCO SYSTEMS INC COM COM 17275R102 1,262 31,564 SH   SOLE   0 0 31,564
SOCIEDAD QUIMICA Y MINERA DE C ADR SPONSORED ADR SPONSORED 833635105 1,255 13,835 SH   SOLE   0 0 13,835
SOUTHERN COPPER CORPORATION COM COM 84265V105 1,248 27,846 SH   SOLE   0 0 27,846
PNC FINANCIAL SERVICES GROUP COM COM 693475105 1,233 8,255 SH   SOLE   0 0 8,255
RAYTHEON TECH CORP COM COM 75513E101 1,194 14,597 SH   SOLE   0 0 14,597
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,181 5,224 SH   SOLE   0 0 5,224
TOYOTA MOTOR CORP ADR UNSPONSORED ADR UNSPONSORED 892331307 1,133 8,703 SH   SOLE   0 0 8,703
WALT DISNEY COMPANY (THE) COM COM 254687106 1,132 12,006 SH   SOLE   0 0 12,006
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104 1,091 12,085 SH   SOLE   0 0 12,085
MOTOROLA SOLUTIONS INC COM COM 620076307 1,090 4,869 SH   SOLE   0 0 4,869
LOCKHEED MARTIN CORP COM COM 539830109 1,065 2,757 SH   SOLE   0 0 2,757
PACCAR INC COM COM 693718108 1,056 12,618 SH   SOLE   0 0 12,618
CVS HEALTH CORPORATION COM COM 126650100 1,052 11,041 SH   SOLE   0 0 11,041
LYONDELLBASELL INDUSTRIES N V COM COM N53745100 1,027 13,654 SH   SOLE   0 0 13,654
BROOKFIELD ASSET MGMT INC COM CL A COM CL A 112585104 1,012 24,758 SH   SOLE   0 0 24,758
CHUBB LIMITED COM COM H1467J104 1,007 5,540 SH   SOLE   0 0 5,540
SEMPRA COM COM 816851109 966 6,445 SH   SOLE   0 0 6,445
ASTRAZENECA ADR SPONSORED ADR SPONSORED 046353108 928 16,930 SH   SOLE   0 0 16,930
TC ENERGY CORPORATION COM COM 87807B107 927 23,020 SH   SOLE   0 0 23,020
FEDEX CORP COM COM 31428X106 927 6,246 SH   SOLE   0 0 6,246
ISHARES INC MSCI GBL MIN VOL ETF MSCI GBL MIN VOL ETF 464286525 926 10,461 SH   SOLE   0 0 10,461
SPDR INDEX SHARES FUNDS DJ GLB RL ES ETF DJ GLB RL ES ETF 78463X749 899 23,237 SH   SOLE   0 0 23,237
PROCTER & GAMBLE CO COM COM 742718109 885 7,010 SH   SOLE   0 0 7,010
FISERV INC COM COM 337738108 884 9,450 SH   SOLE   0 0 9,450
PEPSICO INC COM COM 713448108 880 5,391 SH   SOLE   0 0 5,391
TARGET CORP COM COM 87612E106 878 5,919 SH   SOLE   0 0 5,919
COSTCO WHOLESALE CORP COM COM 22160K105 867 1,836 SH   SOLE   0 0 1,836
MARSH & MCLENNAN COMPANIES INC COM COM 571748102 852 5,711 SH   SOLE   0 0 5,711
UNION PACIFIC CORP COM COM 907818108 849 4,358 SH   SOLE   0 0 4,358
ASML HOLDING NV ADR SPONSORED ADR SPONSORED N07059210 841 2,027 SH   SOLE   0 0 2,027
TAKE-TWO INTERACTIVE SOFTWARE COM COM 874054109 824 7,560 SH   SOLE   0 0 7,560
BERKSHIRE HATHAWAY INC COM CL A COM CL A 084670108 812 2 SH   SOLE   0 0 2
MICRON TECHNOLOGY INC COM COM 595112103 796 15,900 SH   SOLE   0 0 15,900
MONDELEZ INTL INC COM CL A COM CL A 609207105 793 14,463 SH   SOLE   0 0 14,463
COCA-COLA CO COM COM 191216100 785 14,020 SH   SOLE   0 0 14,020
AFLAC INC COM COM 001055102 781 13,903 SH   SOLE   0 0 13,903
ILLINOIS TOOL WORKS INC COM COM 452308109 770 4,267 SH   SOLE   0 0 4,267
THOMSON-REUTERS CORP COM COM 884903709 763 7,441 SH   SOLE   0 0 7,441
IMPERIAL OIL COM COM 453038408 747 17,266 SH   SOLE   0 0 17,266
ACTIVISION BLIZZARD INC COM COM 00507V109 744 10,009 SH   SOLE   0 0 10,009
REPUBLIC SERVICES INC COM COM 760759100 709 5,215 SH   SOLE   0 0 5,215
EBAY INC COM COM 278642103 707 19,220 SH   SOLE   0 0 19,220
INFOSYS LTD ADR SPONSORED ADR SPONSORED 456788108 688 40,584 SH   SOLE   0 0 40,584
INVESCO EXCHANGE TRADED FD TR S&P SML600 VAL ETF S&P SML600 VAL ETF 46137V167 673 8,820 SH   SOLE   0 0 8,820
COCA-COLA FEMSA S.A.B. DE C.V. ADR SPONSORED ADR SPONSORED 191241108 672 11,522 SH   SOLE   0 0 11,522
INTEL CORP COM COM 458140100 636 24,695 SH   SOLE   0 0 24,695
CENTRAIS ELETRICAS BRASILEIRAS ADR SPONSORED ADR SPONSORED 15234Q207 635 79,119 SH   SOLE   0 0 79,119
JOHNSON CONTROLS INTL PLC COM COM G51502105 620 12,603 SH   SOLE   0 0 12,603
SAP SE ADR SPONSORED ADR SPONSORED 803054204 599 7,375 SH   SOLE   0 0 7,375
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457 576 7,101 SH   SOLE   0 0 7,101
ISHARES TRUST INTL DEVPPTY ETF INTL DEVPPTY ETF 464288422 534 21,514 SH   SOLE   0 0 21,514
EURONAV COM COM B38564108 529 34,435 SH   SOLE   0 0 34,435
SIRIUS XM HOLDINGS INC COM COM 82968B103 524 91,865 SH   SOLE   0 0 91,865
BRIDGESTONE CORP ADR UNSPONSORED ADR UNSPONSORED 108441205 495 30,800 SH   SOLE   0 0 30,800
TRANSPORTADORA DE GAS DEL SUR ADR ADR 893870204 476 64,519 SH   SOLE   0 0 64,519
ORIX CORPORATION ADR SPONSORED ADR SPONSORED 686330101 464 6,572 SH   SOLE   0 0 6,572
ABB LTD ADR SPONSORED ADR SPONSORED 000375204 463 18,075 SH   SOLE   0 0 18,075
AON PLC (IE) COM CL A COM CL A G0403H108 458 1,711 SH   SOLE   0 0 1,711
CHINA PETROLEUM & CHEMICAL COR ADR SPONSORED ADR SPONSORED 16941R108 451 10,755 SH   SOLE   0 0 10,755
DIAGEO ADR SPONSORED ADR SPONSORED 25243Q205 451 2,658 SH   SOLE   0 0 2,658
WASTE MANAGEMENT INC COM COM 94106L109 444 2,774 SH   SOLE   0 0 2,774
META PLATFORMS INC COM CL A COM CL A 30303M102 436 3,216 SH   SOLE   0 0 3,216
MERCK & CO INC COM COM 58933Y105 432 5,021 SH   SOLE   0 0 5,021
BRITISH AMERICAN TOBACCO ADR SPONSORED ADR SPONSORED 110448107 419 11,822 SH   SOLE   0 0 11,822
VANGUARD DIV APP ETF DIV APP ETF 921908844 419 3,102 SH   SOLE   0 0 3,102
AGILENT TECHNOLOGIES INC COM COM 00846U101 413 3,400 SH   SOLE   0 0 3,400
WISDOMTREE TRUST INTL SMCAP DIV ETF INTL SMCAP DIV ETF 97717W760 411 7,995 SH   SOLE   0 0 7,995
SILICON MOTION TECHNOLOGY CORP ADR ADR 82706C108 399 6,132 SH   SOLE   0 0 6,132
APTIV PLC COM COM G6095L109 399 5,103 SH   SOLE   0 0 5,103
EMERSON ELECTRIC CO COM COM 291011104 366 5,008 SH   SOLE   0 0 5,008
INTERNATIONAL BUS MACH CORP COM COM 459200101 360 3,034 SH   SOLE   0 0 3,034
THERMO FISHER SCIENTIFIC INC COM COM 883556102 358 706 SH   SOLE   0 0 706
BROADCOM INC COM COM 11135F101 356 804 SH   SOLE   0 0 804
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103 340 952 SH   SOLE   0 0 952
CATERPILLAR INC COM COM 149123101 338 2,060 SH   SOLE   0 0 2,060
CHUNGHWA TELECOM ADR SPONSORED ADR SPONSORED 17133Q502 336 9,459 SH   SOLE   0 0 9,459
NATIONAL GRID ADR SPONSORED ADR SPONSORED 636274409 335 6,503 SH   SOLE   0 0 6,503
SENDAS DISTRIBUIDORA S.A. ADR SPONSORED ADR SPONSORED 81689T104 328 20,367 SH   SOLE   0 0 20,367
SCHWAB (CHARLES) CORP COM COM 808513105 326 4,541 SH   SOLE   0 0 4,541
SYSCO CORP COM COM 871829107 325 4,607 SH   SOLE   0 0 4,607
KOMATSU ADR SPONSORED ADR SPONSORED 500458401 320 17,600 SH   SOLE   0 0 17,600
MR COOPER GROUP INC COM COM 62482R107 317 7,832 SH   SOLE   0 0 7,832
3M COMPANY COM COM 88579Y101 313 2,840 SH   SOLE   0 0 2,840
DR HORTON INC COM COM 23331A109 309 4,595 SH   SOLE   0 0 4,595
RITCHIE BROS AUCTIONEERS COM COM 767744105 306 4,900 SH   SOLE   0 0 4,900
UNITED PARCEL SERVICE INC COM CL B COM CL B 911312106 304 1,882 SH   SOLE   0 0 1,882
NICE LTD ADR SPONSORED ADR SPONSORED 653656108 291 1,551 SH   SOLE   0 0 1,551
PUBLIC STORAGE COM USD0.10 COM USD0.10 74460D109 283 969 SH   SOLE   0 0 969
LIBERTY MEDIA CORPORATION COM COM 531229607 275 7,300 SH   SOLE   0 0 7,300
ISHARES TRUST SP SMCP600VL ETF SP SMCP600VL ETF 464287879 274 3,334 SH   SOLE   0 0 3,334
AMERICA MOVIL SAB DE CV ADR SPONSORED ADR SPONSORED 02364W105 271 16,476 SH   SOLE   0 0 16,476
CAPITAL ONE FINANCIAL CORP COM COM 14040H105 270 2,939 SH   SOLE   0 0 2,939
VIPSHOP HLDGS LTD ADR ADR 92763W103 270 32,193 SH   SOLE   0 0 32,193
BASF SE ADR SPONSORED ADR SPONSORED 055262505 268 28,000 SH   SOLE   0 0 28,000
VERIZON COMMUNICATIONS COM COM 92343V104 267 7,055 SH   SOLE   0 0 7,055
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103 267 1,700 SH   SOLE   0 0 1,700
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363 266 811 SH   SOLE   0 0 811
GENERAL DYNAMICS CORP COM COM 369550108 255 1,203 SH   SOLE   0 0 1,203
ORACLE CORP COM COM 68389X105 251 4,113 SH   SOLE   0 0 4,113
ALLIANZ SE ADR UNSPONSORED ADR UNSPONSORED 018820100 248 15,929 SH   SOLE   0 0 15,929
CARDINAL HEALTH INC COM COM 14149Y108 246 3,700 SH   SOLE   0 0 3,700
TE CONNECTIVITY LTD COM COM H84989104 242 2,200 SH   SOLE   0 0 2,200
BIONTECH SE ADR ADR 09075V102 234 1,741 SH   SOLE   0 0 1,741
AUTOZONE INC COM COM 053332102 233 109 SH   SOLE   0 0 109
DANAHER CORP COM COM 235851102 224 871 SH   SOLE   0 0 871
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771 215 4,520 SH   SOLE   0 0 4,520
INVESCO DB MULTI-SECTOR COMM T PRECIOUS METAL ETF PRECIOUS METAL ETF 46140H502 214 5,000 SH   SOLE   0 0 5,000
AMBEV SA ADR SPONSORED ADR SPONSORED 02319V103 212 75,000 SH   SOLE   0 0 75,000
WAL-MART DE MEXICO SAB DE CV ADR SPONSORED ADR SPONSORED 93114W107 210 6,000 SH   SOLE   0 0 6,000
NIDEC CORPORATION ADR SPONSORED ADR SPONSORED 654090109 209 14,964 SH   SOLE   0 0 14,964
PHILIP MORRIS INTL INC COM COM 718172109 201 2,431 SH   SOLE   0 0 2,431