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
3M COMPANY COM COM 88579Y101 726 4,880 SH   SOLE   0 0 4,880
ABB LTD ADR SPONSORED ADR SPONSORED 000375204 584 18,075 SH   SOLE   0 0 18,075
ACCENTURE PLC COM COM G1151C101 2,727 8,088 SH   SOLE   0 0 8,088
ACTIVISION BLIZZARD INC COM COM 00507V109 800 9,988 SH   SOLE   0 0 9,988
AFLAC INC COM COM 001055102 1,003 15,592 SH   SOLE   0 0 15,592
AGILENT TECHNOLOGIES INC COM COM 00846U101 452 3,416 SH   SOLE   0 0 3,416
ALCON AG COM COM H01301128 255 3,225 SH   SOLE   0 0 3,225
ALLIANZ SE ADR UNSPONSORED ADR UNSPONSORED 018820100 378 15,929 SH   SOLE   0 0 15,929
ALPHABET INC COM CL A COM CL A 02079K305 8,591 3,089 SH   SOLE   0 0 3,089
ALPHABET INC COM CL C COM CL C 02079K107 14,291 5,117 SH   SOLE   0 0 5,117
AMAZON COM INC COM COM 023135106 1,838 564 SH   SOLE   0 0 564
AMBEV SA ADR SPONSORED ADR SPONSORED 02319V103 242 75,000 SH   SOLE   0 0 75,000
AMERICA MOVIL SAB DE CV ADR SPONSORED ADR SPONSORED 02364W105 326 15,448 SH   SOLE   0 0 15,448
AMERICAN TOWER CORP COM USD0.01 COM USD0.01 03027X100 222 885 SH   SOLE   0 0 885
AMGEN INC COM COM 031162100 2,218 9,173 SH   SOLE   0 0 9,173
ANTHEM INC COM COM 036752103 2,961 6,028 SH   SOLE   0 0 6,028
AON PLC (IE) COM CL A COM CL A G0403H108 557 1,711 SH   SOLE   0 0 1,711
APPLE INC COM COM 037833100 19,653 112,556 SH   SOLE   0 0 112,556
APTIV PLC COM COM G6095L109 610 5,103 SH   SOLE   0 0 5,103
ARCHER-DANIELS-MIDLAND CO COM COM 039483102 2,498 27,676 SH   SOLE   0 0 27,676
ASML HOLDING NV ADR SPONSORED ADR SPONSORED N07059210 1,353 2,027 SH   SOLE   0 0 2,027
ASTRAZENECA ADR SPONSORED ADR SPONSORED 046353108 1,123 16,930 SH   SOLE   0 0 16,930
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,189 5,228 SH   SOLE   0 0 5,228
AUTOZONE INC COM COM 053332102 222 109 SH   SOLE   0 0 109
BASF SE ADR SPONSORED ADR SPONSORED 055262505 408 28,800 SH   SOLE   0 0 28,800
BERKSHIRE HATHAWAY INC COM CL A COM CL A 084670108 1,057 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702 2,519 7,139 SH   SOLE   0 0 7,139
BRIDGESTONE CORP ADR UNSPONSORED ADR UNSPONSORED 108441205 595 30,800 SH   SOLE   0 0 30,800
BRITISH AMERICAN TOBACCO ADR SPONSORED ADR SPONSORED 110448107 500 11,874 SH   SOLE   0 0 11,874
BROADCOM INC COM COM 11135F101 586 931 SH   SOLE   0 0 931
BROOKFIELD ASSET MGMT INC COM CL A COM CL A 112585104 1,400 24,758 SH   SOLE   0 0 24,758
CANADIAN NATIONAL RAILWAYS CO COM COM 136375102 2,286 17,045 SH   SOLE   0 0 17,045
CAPITAL ONE FINANCIAL CORP COM COM 14040H105 385 2,939 SH   SOLE   0 0 2,939
CARDINAL HEALTH INC COM COM 14149Y108 209 3,700 SH   SOLE   0 0 3,700
CATERPILLAR INC COM COM 149123101 510 2,292 SH   SOLE   0 0 2,292
CENTRAIS ELETRICAS BRASILEIRAS ADR SPONSORED ADR SPONSORED 15234Q207 625 79,119 SH   SOLE   0 0 79,119
CGI INC COM CL A COM CL A 12532H104 2,320 29,074 SH   SOLE   0 0 29,074
CHINA PETROLEUM & CHEMICAL COR ADR SPONSORED ADR SPONSORED 16941R108 316 6,391 SH   SOLE   0 0 6,391
CHUBB LIMITED COM COM H1467J104 1,187 5,550 SH   SOLE   0 0 5,550
CHUNGHWA TELECOM ADR SPONSORED ADR SPONSORED 17133Q502 420 9,459 SH   SOLE   0 0 9,459
CIGNA CORPORATION COM COM 125523100 3,003 12,537 SH   SOLE   0 0 12,537
CISCO SYSTEMS INC COM COM 17275R102 1,860 33,360 SH   SOLE   0 0 33,360
CME GROUP INC COM COM 12572Q105 2,061 8,667 SH   SOLE   0 0 8,667
COCA-COLA CO COM COM 191216100 871 14,052 SH   SOLE   0 0 14,052
COCA-COLA FEMSA S.A.B. DE C.V. ADR SPONSORED ADR SPONSORED 191241108 626 11,397 SH   SOLE   0 0 11,397
COMCAST CORP COM CL A COM CL A 20030N101 2,548 54,436 SH   SOLE   0 0 54,436
COSTCO WHOLESALE CORP COM COM 22160K105 1,185 2,059 SH   SOLE   0 0 2,059
CVS HEALTH CORPORATION COM COM 126650100 1,119 11,058 SH   SOLE   0 0 11,058
DANAHER CORP COM COM 235851102 255 872 SH   SOLE   0 0 872
DIAGEO ADR SPONSORED ADR SPONSORED 25243Q205 533 2,628 SH   SOLE   0 0 2,628
DR HORTON INC COM COM 23331A109 342 4,595 SH   SOLE   0 0 4,595
EBAY INC COM COM 278642103 1,100 19,220 SH   SOLE   0 0 19,220
EMERSON ELECTRIC CO COM COM 291011104 491 5,008 SH   SOLE   0 0 5,008
ENBRIDGE INC COM COM 29250N105 220 4,780 SH   SOLE   0 0 4,780
EQUITY RESIDENTIAL SBI USD0.01 SBI USD0.01 29476L107 873 9,719 SH   SOLE   0 0 9,719
ERICSSON ADR SPONSORED ADR SPONSORED 294821608 243 26,620 SH   SOLE   0 0 26,620
ESTEE LAUDER COMPANIES INC COM CL A COM CL A 518439104 3,990 14,652 SH   SOLE   0 0 14,652
EURONAV COM COM B38564108 363 34,435 SH   SOLE   0 0 34,435
FEDEX CORP COM COM 31428X106 1,445 6,246 SH   SOLE   0 0 6,246
FIDELITY NATIONAL INFORMATION COM COM 31620M106 236 2,357 SH   SOLE   0 0 2,357
FISERV INC COM COM 337738108 958 9,450 SH   SOLE   0 0 9,450
FRESENIUS MEDICAL CARE AG & CO ADR SPONSORED ADR SPONSORED 358029106 349 10,372 SH   SOLE   0 0 10,372
GENERAL DYNAMICS CORP COM COM 369550108 290 1,203 SH   SOLE   0 0 1,203
GENMAB AS ADR SPONSORED ADR SPONSORED 372303206 1,810 50,044 SH   SOLE   0 0 50,044
HOME DEPOT INC COM COM 437076102 5,038 16,831 SH   SOLE   0 0 16,831
ILLINOIS TOOL WORKS INC COM COM 452308109 893 4,267 SH   SOLE   0 0 4,267
IMPERIAL OIL COM COM 453038408 834 17,266 SH   SOLE   0 0 17,266
INFOSYS LTD ADR SPONSORED ADR SPONSORED 456788108 881 35,400 SH   SOLE   0 0 35,400
INTEL CORP COM COM 458140100 1,460 29,474 SH   SOLE   0 0 29,474
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104 1,608 12,176 SH   SOLE   0 0 12,176
INTERNATIONAL BUS MACH CORP COM COM 459200101 392 3,022 SH   SOLE   0 0 3,022
INVESCO DB MULTI-SECTOR COMM T PRECIOUS METAL ETF PRECIOUS METAL ETF 46140H502 264 5,109 SH   SOLE   0 0 5,109
INVESCO EXCHANGE TRADED FD TR S&P SML600 VAL ETF S&P SML600 VAL ETF 46137V167 853 8,821 SH   SOLE   0 0 8,821
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT ETF S&P500 EQL WGT ETF 46137V357 4,132 26,201 SH   SOLE   0 0 26,201
ISHARES INC MSCI EMERGING MARKETS MIN V MSCI EMERGING MARKETS MIN V 464286533 13,433 220,107 SH   SOLE   0 0 220,107
ISHARES INC MSCI GBL MIN VOL ETF MSCI GBL MIN VOL ETF 464286525 1,064 10,155 SH   SOLE   0 0 10,155
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457 604 7,256 SH   SOLE   0 0 7,256
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 11,773 403,073 SH   SOLE   0 0 403,073
ISHARES TRUST INTL DEVPPTY ETF INTL DEVPPTY ETF 464288422 761 21,514 SH   SOLE   0 0 21,514
ISHARES TRUST MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VOL FACTOR ETF 46429B689 12,401 171,911 SH   SOLE   0 0 171,911
ISHARES TRUST MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL FACTOR ETF 46429B697 14,035 180,941 SH   SOLE   0 0 180,941
ISHARES TRUST SP SMCP600VL ETF SP SMCP600VL ETF 464287879 341 3,334 SH   SOLE   0 0 3,334
JOHNSON CONTROLS INTL PLC COM COM G51502105 826 12,603 SH   SOLE   0 0 12,603
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103 268 1,700 SH   SOLE   0 0 1,700
KOMATSU ADR SPONSORED ADR SPONSORED 500458401 422 17,600 SH   SOLE   0 0 17,600
KUBOTA CORP ADR SPONSORED ADR SPONSORED 501173207 243 2,600 SH   SOLE   0 0 2,600
LIBERTY BROADBAND CORP COM COM 530307305 256 1,893 SH   SOLE   0 0 1,893
LIBERTY MEDIA CORPORATION COM COM 531229607 333 7,300 SH   SOLE   0 0 7,300
LOCKHEED MARTIN CORP COM COM 539830109 1,222 2,769 SH   SOLE   0 0 2,769
LVMH MOET HENNESSY VUITTON SE ADR UNSPONSORED ADR UNSPONSORED 502441306 2,110 14,800 SH   SOLE   0 0 14,800
LYONDELLBASELL INDUSTRIES N V COM COM N53745100 1,403 13,654 SH   SOLE   0 0 13,654
MAGNA INTERNATIONAL INC COM COM 559222401 244 3,800 SH   SOLE   0 0 3,800
MARSH & MCLENNAN COMPANIES INC COM COM 571748102 984 5,778 SH   SOLE   0 0 5,778
MASTERCARD INCORPORATED COM CL A COM CL A 57636Q104 1,848 5,173 SH   SOLE   0 0 5,173
MCDONALD'S CORPORATION COM COM 580135101 2,549 10,311 SH   SOLE   0 0 10,311
MCKESSON CORPORATION COM COM 58155Q103 1,525 4,982 SH   SOLE   0 0 4,982
MERCK & CO INC COM COM 58933Y105 411 5,021 SH   SOLE   0 0 5,021
META PLATFORMS INC COM CL A COM CL A 30303M102 715 3,216 SH   SOLE   0 0 3,216
MICRON TECHNOLOGY INC COM COM 595112103 1,238 15,900 SH   SOLE   0 0 15,900
MICROSOFT CORP COM COM 594918104 8,181 26,535 SH   SOLE   0 0 26,535
MONDELEZ INTL INC COM CL A COM CL A 609207105 943 15,024 SH   SOLE   0 0 15,024
MOTOROLA SOLUTIONS INC COM COM 620076307 1,179 4,869 SH   SOLE   0 0 4,869
MOWI ASA ADR SPONSORED ADR SPONSORED 624678108 406 15,099 SH   SOLE   0 0 15,099
MR COOPER GROUP INC COM COM 62482R107 357 7,832 SH   SOLE   0 0 7,832
NATIONAL GRID ADR SPONSORED ADR SPONSORED 636274409 568 7,396 SH   SOLE   0 0 7,396
NETEASE INC ADR SPONSORED ADR SPONSORED 64110W102 211 2,362 SH   SOLE   0 0 2,362
NICE LTD ADR SPONSORED ADR SPONSORED 653656108 1,697 7,751 SH   SOLE   0 0 7,751
NIDEC CORPORATION ADR SPONSORED ADR SPONSORED 654090109 296 14,964 SH   SOLE   0 0 14,964
NIKE INC COM CL B COM CL B 654106103 3,505 26,053 SH   SOLE   0 0 26,053
NIPPON TEL & TEL CORP ADR SPONSORED ADR SPONSORED 654624105 1,488 51,120 SH   SOLE   0 0 51,120
NORTHROP GRUMMAN CORP COM COM 666807102 1,371 3,067 SH   SOLE   0 0 3,067
NOVARTIS AG ADR SPONSORED ADR SPONSORED 66987V109 1,530 17,443 SH   SOLE   0 0 17,443
NOVO NORDISK A/S ADR SPONSORED ADR SPONSORED 670100205 4,728 42,578 SH   SOLE   0 0 42,578
OMNICOM GROUP INC COM COM 681919106 352 4,151 SH   SOLE   0 0 4,151
ORACLE CORP COM COM 68389X105 340 4,113 SH   SOLE   0 0 4,113
ORIX CORPORATION ADR SPONSORED ADR SPONSORED 686330101 656 6,572 SH   SOLE   0 0 6,572
PACCAR INC COM COM 693718108 1,278 14,521 SH   SOLE   0 0 14,521
PAYPAL HOLDINGS INC COM COM 70450Y103 2,188 18,920 SH   SOLE   0 0 18,920
PEPSICO INC COM COM 713448108 902 5,391 SH   SOLE   0 0 5,391
PHILIP MORRIS INTL INC COM COM 718172109 228 2,431 SH   SOLE   0 0 2,431
PNC FINANCIAL SERVICES GROUP COM COM 693475105 1,522 8,255 SH   SOLE   0 0 8,255
PROCTER & GAMBLE CO COM COM 742718109 1,075 7,037 SH   SOLE   0 0 7,037
PUBLIC STORAGE COM USD0.10 COM USD0.10 74460D109 378 969 SH   SOLE   0 0 969
RAYTHEON TECH CORP COM COM 75513E101 1,446 14,597 SH   SOLE   0 0 14,597
RELX PLC ADR SPONSORED ADR SPONSORED 759530108 2,139 68,804 SH   SOLE   0 0 68,804
REPUBLIC SERVICES INC COM COM 760759100 690 5,215 SH   SOLE   0 0 5,215
RIO TINTO ADR SPONSORED ADR SPONSORED 767204100 305 3,802 SH   SOLE   0 0 3,802
RITCHIE BROS AUCTIONEERS COM COM 767744105 289 4,900 SH   SOLE   0 0 4,900
ROGERS COMMUNICATIONS INC COM CL B COM CL B 775109200 1,771 31,211 SH   SOLE   0 0 31,211
SANOFI ADR SPONSORED ADR SPONSORED 80105N105 641 12,500 SH   SOLE   0 0 12,500
SAP SE ADR SPONSORED ADR SPONSORED 803054204 912 8,223 SH   SOLE   0 0 8,223
SCHWAB (CHARLES) CORP COM COM 808513105 382 4,541 SH   SOLE   0 0 4,541
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771 264 4,520 SH   SOLE   0 0 4,520
SEMPRA COM COM 816851109 1,083 6,445 SH   SOLE   0 0 6,445
SHELL PLC ADR SPONSORED ADR SPONSORED 780259305 453 8,255 SH   SOLE   0 0 8,255
SIRIUS XM HOLDINGS INC COM COM 82968B103 596 90,157 SH   SOLE   0 0 90,157
SOCIEDAD QUIMICA Y MINERA DE C ADR SPONSORED ADR SPONSORED 833635105 1,016 11,878 SH   SOLE   0 0 11,878
SOUTHERN COPPER CORPORATION COM COM 84265V105 2,113 27,846 SH   SOLE   0 0 27,846
SPDR INDEX SHARES FUNDS DJ GLB RL ES ETF DJ GLB RL ES ETF 78463X749 1,255 23,237 SH   SOLE   0 0 23,237
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103 429 952 SH   SOLE   0 0 952
SYSCO CORP COM COM 871829107 376 4,607 SH   SOLE   0 0 4,607
TAIWAN SEMICONDUCTOR MANUFACTU ADR SPONSORED ADR SPONSORED 874039100 3,608 34,611 SH   SOLE   0 0 34,611
TARGET CORP COM COM 87612E106 1,136 5,357 SH   SOLE   0 0 5,357
TC ENERGY CORPORATION COM COM 87807B107 2,024 35,891 SH   SOLE   0 0 35,891
TE CONNECTIVITY LTD COM COM H84989104 288 2,200 SH   SOLE   0 0 2,200
TEXAS INSTRUMENTS INC COM COM 882508104 230 1,256 SH   SOLE   0 0 1,256
THERMO FISHER SCIENTIFIC INC COM COM 883556102 325 551 SH   SOLE   0 0 551
THOMSON-REUTERS CORP COM COM 884903709 809 7,441 SH   SOLE   0 0 7,441
TJX COS INC COM COM 872540109 1,417 23,393 SH   SOLE   0 0 23,393
TOYOTA MOTOR CORP ADR UNSPONSORED ADR UNSPONSORED 892331307 1,610 8,934 SH   SOLE   0 0 8,934
ULTRAPAR PARTICIPACOES SA ADR SPONSORED ADR SPONSORED 90400P101 214 70,743 SH   SOLE   0 0 70,743
UNILEVER PLC ADR SPONSORED ADR SPONSORED 904767704 1,463 32,114 SH   SOLE   0 0 32,114
UNION PACIFIC CORP COM COM 907818108 1,190 4,358 SH   SOLE   0 0 4,358
UNITED PARCEL SERVICE INC COM CL B COM CL B 911312106 403 1,882 SH   SOLE   0 0 1,882
UNITEDHEALTH GROUP INC COM COM 91324P102 7,806 15,308 SH   SOLE   0 0 15,308
VANGUARD DIV APP ETF DIV APP ETF 921908844 503 3,102 SH   SOLE   0 0 3,102
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 2,213 20,426 SH   SOLE   0 0 20,426
VANGUARD S&P 500 ETF SHS S&P 500 ETF SHS 922908363 336 811 SH   SOLE   0 0 811
VERIZON COMMUNICATIONS COM COM 92343V104 666 13,087 SH   SOLE   0 0 13,087
VIPSHOP HLDGS LTD ADR ADR 92763W103 290 32,251 SH   SOLE   0 0 32,251
VISA INC COM CL A COM CL A 92826C839 5,277 23,799 SH   SOLE   0 0 23,799
WAL-MART DE MEXICO SAB DE CV ADR SPONSORED ADR SPONSORED 93114W107 246 6,000 SH   SOLE   0 0 6,000
WALMART INC COM COM 931142103 2,202 14,789 SH   SOLE   0 0 14,789
WALT DISNEY COMPANY (THE) COM COM 254687106 1,664 12,137 SH   SOLE   0 0 12,137
WASTE MANAGEMENT INC COM COM 94106L109 462 2,919 SH   SOLE   0 0 2,919
WIPRO ADR SPONSORED ADR SPONSORED 97651M109 546 70,847 SH   SOLE   0 0 70,847
WISDOMTREE TRUST EMG MKTS SMCAP ETF EMG MKTS SMCAP ETF 97717W281 504 9,472 SH   SOLE   0 0 9,472
WISDOMTREE TRUST GLB EX US RL EST ETF GLB EX US RL EST ETF 97717W331 305 13,212 SH   SOLE   0 0 13,212
WISDOMTREE TRUST INTL SMCAP DIV ETF INTL SMCAP DIV ETF 97717W760 605 8,822 SH   SOLE   0 0 8,822
ZYNGA INC COM CL A COM CL A 98986T108 1,720 186,228 SH   SOLE   0 0 186,228