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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   23,220 110,246 SH   SOLE   0 0 110,246
ALPHABET INC CAP STK CL C 02079K107   18,289 99,712 SH   SOLE   0 0 99,712
ISHARES TR MSCI USA MIN VOL 46429B697   15,859 188,898 SH   SOLE   0 0 188,898
ISHARES INC MSCI EMERG MRKT 464286533   14,244 248,989 SH   SOLE   0 0 248,989
ISHARES TR MSCI EAFE MIN VL 46429B689   13,522 194,972 SH   SOLE   0 0 194,972
NOVO-NORDISK A S ADR 670100205   12,350 86,524 SH   SOLE   0 0 86,524
MICROSOFT CORP COM 594918104   11,754 26,299 SH   SOLE   0 0 26,299
ALPHABET INC CAP STK CL A 02079K305   11,253 61,780 SH   SOLE   0 0 61,780
UNITEDHEALTH GROUP INC COM 91324P102   7,740 15,199 SH   SOLE   0 0 15,199
ISHARES TR GLOBAL REIT ETF 46434V647   6,980 300,217 SH   SOLE   0 0 300,217
VISA INC COM CL A 92826C839   6,186 23,572 SH   SOLE   0 0 23,572
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   6,128 35,260 SH   SOLE   0 0 35,260
HOME DEPOT INC COM 437076102   5,801 16,853 SH   SOLE   0 0 16,853
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,273 26,011 SH   SOLE   0 0 26,011
THE CIGNA GROUP COM 125523100   4,133 12,504 SH   SOLE   0 0 12,504
RELX PLC SPONSORED ADR 759530108   3,515 76,613 SH   SOLE   0 0 76,613
ELEVANCE HEALTH INC COM 036752103   3,311 6,112 SH   SOLE   0 0 6,112
SOUTHERN COPPER CORP COM 84265V105   3,008 27,920 SH   SOLE   0 0 27,920
WALMART INC COM 931142103   2,995 44,233 SH   SOLE   0 0 44,233
MCKESSON CORP COM 58155Q103   2,935 5,026 SH   SOLE   0 0 5,026
CGI INC CL A SUB VTG 12532H104   2,931 29,372 SH   SOLE   0 0 29,372
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,882 7,087 SH   SOLE   0 0 7,087
AMGEN INC COM 031162100   2,841 9,095 SH   SOLE   0 0 9,095
MCDONALDS CORP COM 580135101   2,601 10,209 SH   SOLE   0 0 10,209
TJX COS INC NEW COM 872540109   2,571 23,358 SH   SOLE   0 0 23,358
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,453 8,088 SH   SOLE   0 0 8,088
MASTERCARD INCORPORATED CL A 57636Q104   2,277 5,162 SH   SOLE   0 0 5,162
FERRARI N V COM N3167Y103   2,222 5,443 SH   SOLE   0 0 5,443
AMAZON COM INC COM 023135106   2,179 11,280 SH   SOLE   0 0 11,280
MICRON TECHNOLOGY INC COM 595112103   2,091 15,900 SH   SOLE   0 0 15,900
COMCAST CORP NEW CL A 20030N101   2,086 53,276 SH   SOLE   0 0 53,276
CANADIAN NATL RY CO COM 136375102   2,028 17,171 SH   SOLE   0 0 17,171
PACCAR INC COM 693718108   1,962 19,067 SH   SOLE   0 0 19,067
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,946 1,903 SH   SOLE   0 0 1,903
SHELL PLC SPON ADS 780259305   1,941 26,901 SH   SOLE   0 0 26,901
TOYOTA MOTOR CORP ADS 892331307   1,924 9,387 SH   SOLE   0 0 9,387
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,917 4,966 SH   SOLE   0 0 4,966
NIKE INC CL B 654106103   1,916 25,432 SH   SOLE   0 0 25,432
VIPSHOP HLDGS LTD SPONSORED ADS A 92763W103   1,873 143,878 SH   SOLE   0 0 143,878
FEDEX CORP COM 31428X106   1,872 6,246 SH   SOLE   0 0 6,246
CHUBB LIMITED COM H1467J104   1,802 7,065 SH   SOLE   0 0 7,065
UNILEVER PLC SPON ADR NEW 904767704   1,711 31,121 SH   SOLE   0 0 31,121
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,628 11,895 SH   SOLE   0 0 11,895
RB GLOBAL INC COM 74935Q107   1,619 21,214 SH   SOLE   0 0 21,214
NOVARTIS AG SPONSORED ADR 66987V109   1,602 15,054 SH   SOLE   0 0 15,054
COSTCO WHSL CORP NEW COM 22160K105   1,595 1,877 SH   SOLE   0 0 1,877
ISHARES INC MSCI GBL MIN VOL 464286525   1,570 15,006 SH   SOLE   0 0 15,006
CISCO SYS INC COM 17275R102   1,548 32,597 SH   SOLE   0 0 32,597
CME GROUP INC COM 12572Q105   1,507 7,667 SH   SOLE   0 0 7,667
SAP SE SPON ADR 803054204   1,487 7,375 SH   SOLE   0 0 7,375
RTX CORPORATION COM 75513E101   1,427 14,216 SH   SOLE   0 0 14,216
FISERV INC COM 337738108   1,403 9,418 SH   SOLE   0 0 9,418
LAUDER ESTEE COS INC CL A 518439104   1,374 12,916 SH   SOLE   0 0 12,916
NORTHROP GRUMMAN CORP COM 666807102   1,337 3,067 SH   SOLE   0 0 3,067
ASTRAZENECA PLC SPONSORED ADR 046353108   1,320 16,930 SH   SOLE   0 0 16,930
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,306 13,654 SH   SOLE   0 0 13,654
TRANSPORTADORA DE GAS SUR SPONSORED ADS B 893870204   1,299 68,485 SH   SOLE   0 0 68,485
LOCKHEED MARTIN CORP COM 539830109   1,291 2,765 SH   SOLE   0 0 2,765
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,285 15,344 SH   SOLE   0 0 15,344
PNC FINL SVCS GROUP INC COM 693475105   1,283 8,255 SH   SOLE   0 0 8,255
AUTOMATIC DATA PROCESSING IN COM 053015103   1,271 5,328 SH   SOLE   0 0 5,328
AFLAC INC COM 001055102   1,261 14,130 SH   SOLE   0 0 14,130
MARSH & MCLENNAN COS INC COM 571748102   1,227 5,827 SH   SOLE   0 0 5,827
BROADCOM INC COM 11135F101   1,207 752 SH   SOLE   0 0 752
THOMSON REUTERS CORP. COM 884903808   1,192 7,074 SH   SOLE   0 0 7,074
IMPERIAL OIL LTD COM NEW 453038408   1,178 17,266 SH   SOLE   0 0 17,266
DISNEY WALT CO COM 254687106   1,176 11,848 SH   SOLE   0 0 11,848
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   1,175 7,560 SH   SOLE   0 0 7,560
PROCTER AND GAMBLE CO COM 742718109   1,139 6,907 SH   SOLE   0 0 6,907
PAYPAL HLDGS INC COM 70450Y103   1,097 18,920 SH   SOLE   0 0 18,920
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   1,044 32,388 SH   SOLE   0 0 32,388
EBAY INC. COM 278642103   1,032 19,220 SH   SOLE   0 0 19,220
REPUBLIC SVCS INC COM 760759100   1,013 5,215 SH   SOLE   0 0 5,215
ILLINOIS TOOL WKS INC COM 452308109   1,011 4,267 SH   SOLE   0 0 4,267
COCA-COLA FEMSA SAB DE CV SPONSORD ADR REP 191241108   985 11,478 SH   SOLE   0 0 11,478
BROOKFIELD CORP CL A LTD VT SH 11271J107   979 23,569 SH   SOLE   0 0 23,569
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   965 23,237 SH   SOLE   0 0 23,237
MONDELEZ INTL INC CL A 609207105   963 14,727 SH   SOLE   0 0 14,727
WIPRO LTD SPON ADR 1 SH 97651M109   956 156,817 SH   SOLE   0 0 156,817
SEMPRA COM 816851109   955 12,558 SH   SOLE   0 0 12,558
UNION PAC CORP COM 907818108   895 3,959 SH   SOLE   0 0 3,959
PEPSICO INC COM 713448108   870 5,281 SH   SOLE   0 0 5,281
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167   861 8,685 SH   SOLE   0 0 8,685
LOGITECH INTL S A SHS H50430232   838 8,650 SH   SOLE   0 0 8,650
JOHNSON CTLS INTL PLC SHS G51502105   837 12,603 SH   SOLE   0 0 12,603
COCA COLA CO COM 191216100   832 13,079 SH   SOLE   0 0 13,079
GARMIN LTD SHS H2906T109   799 4,906 SH   SOLE   0 0 4,906
TARGET CORP COM 87612E106   793 5,357 SH   SOLE   0 0 5,357
LINDE PLC SHS G54950103   790 1,801 SH   SOLE   0 0 1,801
NATIONAL GRID PLC SPONSORED ADR NE 636274409   756 13,321 SH   SOLE   0 0 13,321
MERCK & CO INC COM 58933Y105   749 6,053 SH   SOLE   0 0 6,053
TOTALENERGIES SE SPONSORED ADS 89151E109   729 10,935 SH   SOLE   0 0 10,935
ORIX CORP SPONSORED ADR 686330101   698 6,279 SH   SOLE   0 0 6,279
CATERPILLAR INC COM 149123101   664 1,996 SH   SOLE   0 0 1,996
INTEL CORP COM 458140100   660 21,342 SH   SOLE   0 0 21,342
INTERNATIONAL BUSINESS MACHS COM 459200101   660 3,817 SH   SOLE   0 0 3,817
D R HORTON INC COM 23331A109   647 4,595 SH   SOLE   0 0 4,595
INFOSYS LTD SPONSORED ADR 456788108   647 34,769 SH   SOLE   0 0 34,769
MR COOPER GROUP INC COM 62482R107   636 7,832 SH   SOLE   0 0 7,832
CHECK POINT SOFTWARE TECH LT ORD M22465104   628 3,809 SH   SOLE   0 0 3,809
WASTE MGMT INC DEL COM 94106L109   610 2,861 SH   SOLE   0 0 2,861
EURONAV NV SHS B38564108   596 36,051 SH   SOLE   0 0 36,051
CVS HEALTH CORP COM 126650100   592 10,031 SH   SOLE   0 0 10,031
WILLIS TOWERS WATSON PLC LTD SHS G96629103   585 2,235 SH   SOLE   0 0 2,235
ORACLE CORP COM 68389X105   580 4,113 SH   SOLE   0 0 4,113
AMCOR PLC ORD G0250X107   566 57,933 SH   SOLE   0 0 57,933
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   566 3,102 SH   SOLE   0 0 3,102
ISHARES TR INTL DEVPPTY ETF 464288422   557 21,338 SH   SOLE   0 0 21,338
EMERSON ELEC CO COM 291011104   551 5,008 SH   SOLE   0 0 5,008
META PLATFORMS INC CL A 30303M102   533 1,059 SH   SOLE   0 0 1,059
SPDR S&P 500 ETF TR TR UNIT 78462F103   518 952 SH   SOLE   0 0 952
AON PLC SHS CL A G0403H108   502 1,711 SH   SOLE   0 0 1,711
TELEFONICA S A SPONSORED ADR 879382208   496 117,935 SH   SOLE   0 0 117,935
ISHARES TR 1 3 YR TREAS BD 464287457   496 6,080 SH   SOLE   0 0 6,080
WISDOMTREE TR INTL SMCAP DIV 97717W760   495 7,817 SH   SOLE   0 0 7,817
DR REDDYS LABS LTD ADR 256135203   470 6,178 SH   SOLE   0 0 6,178
CENTRAIS ELETRICAS BRASILEIR SPONSORED ADR 15234Q207   468 72,834 SH   SOLE   0 0 72,834
NUTRIEN LTD COM 67077M108   461 9,069 SH   SOLE   0 0 9,069
ALCON AG ORD SHS H01301128   458 5,143 SH   SOLE   0 0 5,143
AGILENT TECHNOLOGIES INC COM 00846U101   440 3,400 SH   SOLE   0 0 3,400
NOMURA HLDGS INC SPONSORED ADR 65535H208   423 73,332 SH   SOLE   0 0 73,332
TRIP COM GROUP LTD ADS 89677Q107   410 8,744 SH   SOLE   0 0 8,744
CAPITAL ONE FINL CORP COM 14040H105   406 2,939 SH   SOLE   0 0 2,939
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   405 811 SH   SOLE   0 0 811
PEARSON PLC SPONSORED ADR 705015105   402 32,239 SH   SOLE   0 0 32,239
REINSURANCE GRP OF AMERICA I COM NEW 759351604   378 1,845 SH   SOLE   0 0 1,845
HALEON PLC SPON ADS 405552100   375 45,519 SH   SOLE   0 0 45,519
ANGLOGOLD ASHANTI PLC COM SHS G0378L100   374 14,916 SH   SOLE   0 0 14,916
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   369 21,720 SH   SOLE   0 0 21,720
DIAGEO PLC SPON ADR NEW 25243Q205   365 2,900 SH   SOLE   0 0 2,900
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   365 9,459 SH   SOLE   0 0 9,459
CARDINAL HEALTH INC COM 14149Y108   363 3,700 SH   SOLE   0 0 3,700
APTIV PLC SHS G6095L109   359 5,103 SH   SOLE   0 0 5,103
GENERAL DYNAMICS CORP COM 369550108   349 1,203 SH   SOLE   0 0 1,203
LAM RESEARCH CORP COM 512807108   345 324 SH   SOLE   0 0 324
AUTOZONE INC COM 053332102   343 116 SH   SOLE   0 0 116
VERIZON COMMUNICATIONS INC COM 92343V104   340 8,268 SH   SOLE   0 0 8,268
JANUX THERAPEUTICS INC COM 47103J105   333 7,964 SH   SOLE   0 0 7,964
SCHWAB CHARLES CORP COM 808513105   332 4,510 SH   SOLE   0 0 4,510
TE CONNECTIVITY LTD SHS H84989104   330 2,200 SH   SOLE   0 0 2,200
SYSCO CORP COM 871829107   328 4,607 SH   SOLE   0 0 4,607
GENUINE PARTS CO COM 372460105   321 2,324 SH   SOLE   0 0 2,324
NETEASE INC SPONSORED ADS 64110W102   308 3,231 SH   SOLE   0 0 3,231
DELL TECHNOLOGIES INC CL C 24703L202   308 2,239 SH   SOLE   0 0 2,239
CRH PLC ORD G25508105   306 4,084 SH   SOLE   0 0 4,084
ARCHER DANIELS MIDLAND CO COM 039483102   305 5,050 SH   SOLE   0 0 5,050
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   302 4,520 SH   SOLE   0 0 4,520
ISHARES TR SP SMCP600VL ETF 464287879   301 3,102 SH   SOLE   0 0 3,102
EVEREST GROUP LTD COM G3223R108   300 788 SH   SOLE   0 0 788
HSBC HLDGS PLC SPON ADR NEW 404280406   292 6,723 SH   SOLE   0 0 6,723
RIO TINTO PLC SPONSORED ADR 767204100   289 4,394 SH   SOLE   0 0 4,394
PUBLIC STORAGE OPER CO COM 74460D109   288 1,003 SH   SOLE   0 0 1,003
CHEVRON CORP NEW COM 166764100   286 1,832 SH   SOLE   0 0 1,832
INVESCO DB MULTI-SECTOR COMM PRECIOUS METAL 46140H502   286 5,000 SH   SOLE   0 0 5,000
THERMO FISHER SCIENTIFIC INC COM 883556102   275 498 SH   SOLE   0 0 498
OREILLY AUTOMOTIVE INC COM 67103H107   266 252 SH   SOLE   0 0 252
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   260 8,421 SH   SOLE   0 0 8,421
GOLD FIELDS LTD SPONSORED ADR 38059T106   259 17,407 SH   SOLE   0 0 17,407
BARRICK GOLD CORP COM 067901108   254 15,287 SH   SOLE   0 0 15,287
EXPEDITORS INTL WASH INC COM 302130109   253 2,034 SH   SOLE   0 0 2,034
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   252 6,649 SH   SOLE   0 0 6,649
TEXAS INSTRS INC COM 882508104   252 1,298 SH   SOLE   0 0 1,298
PHILIP MORRIS INTL INC COM 718172109   245 2,427 SH   SOLE   0 0 2,427
SPDR GOLD TR GOLD SHS 78463V107   234 1,089 SH   SOLE   0 0 1,089
KEYSIGHT TECHNOLOGIES INC COM 49338L103   232 1,700 SH   SOLE   0 0 1,700
SILICON MOTION TECHNOLOGY CO SPONSORED ADR 82706C108   231 2,857 SH   SOLE   0 0 2,857
DANAHER CORPORATION COM 235851102   230 922 SH   SOLE   0 0 922
VALERO ENERGY CORP COM 91913Y100   224 1,435 SH   SOLE   0 0 1,435
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   224 2,088 SH   SOLE   0 0 2,088
UNITED PARCEL SERVICE INC CL B 911312106   220 1,614 SH   SOLE   0 0 1,614
WHEATON PRECIOUS METALS CORP COM 962879102   220 4,201 SH   SOLE   0 0 4,201
SUN LIFE FINANCIAL INC. COM 866796105   219 4,474 SH   SOLE   0 0 4,474
BOOKING HOLDINGS INC COM 09857L108   217 55 SH   SOLE   0 0 55
OPEN TEXT CORP COM 683715106   216 7,203 SH   SOLE   0 0 7,203
PACKAGING CORP AMER COM 695156109   214 1,174 SH   SOLE   0 0 1,174
HOLLYSYS AUTOMATION TCHNGY L SHS G45667105   212 9,815 SH   SOLE   0 0 9,815
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   202 17,749 SH   SOLE   0 0 17,749
VERISK ANALYTICS INC COM 92345Y106   202 751 SH   SOLE   0 0 751