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
ADOBE INC COM 00724F101   1,718,363 3,370 SH   SOLE   3,370 0 0
ALPHABET INC CAP STK CL A 02079K305   2,707,232 20,688 SH   SOLE   20,688 0 0
ALPHABET INC CAP STK CL C 02079K107   303,255 2,300 SH   SOLE   2,300 0 0
AMAZON COM INC COM 023135106   2,398,627 18,869 SH   SOLE   18,869 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   1,286,594 10,390 SH   SOLE   10,390 0 0
AMGEN INC COM 031162100   1,406,959 5,235 SH   SOLE   5,235 0 0
APPLE INC COM 037833100   3,659,785 21,376 SH   SOLE   21,376 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   827,067 1,405 SH   SOLE   1,405 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   241,707 690 SH   SOLE   690 0 0
BLACKROCK INC COM 09247X101   1,905,853 2,948 SH   SOLE   2,948 0 0
BLACKSTONE INC COM 09260D107   1,940,627 18,113 SH   SOLE   18,113 0 0
BRINKS CO COM 109696104   657,973 9,058 SH   SOLE   9,058 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   1,935,809 35,069 SH   SOLE   35,069 0 0
CDW CORP COM 12514G108   232,226 1,151 SH   SOLE   1,151 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   2,107,649 12,592 SH   SOLE   12,592 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   664,299 4,453 SH   SOLE   4,453 0 0
EMERSON ELEC CO COM 291011104   1,548,210 16,032 SH   SOLE   16,032 0 0
EQUINIX INC COM 29444U700   1,202,687 1,656 SH   SOLE   1,656 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   807,164 7,395 SH   SOLE   7,395 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   19,178,573 191,575 SH   SOLE   191,575 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,509,454 4,665 SH   SOLE   4,665 0 0
HDFC BANK LTD SPONSORED ADS 40415F101   591,280 10,020 SH   SOLE   10,020 0 0
HERSHEY CO COM 427866108   1,735,294 8,673 SH   SOLE   8,673 0 0
HOME DEPOT INC COM 437076102   243,239 805 SH   SOLE   805 0 0
ING GROEP N.V. SPONSORED ADR 456837103   920,175 69,816 SH   SOLE   69,816 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   3,173,393 10,857 SH   SOLE   10,857 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   839,859 39,560 SH   SOLE   39,560 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   835,771 40,434 SH   SOLE   40,434 0 0
ISHARES INC CORE MSCI EMKT 46434G103   2,939,729 61,772 SH   SOLE   61,772 0 0
ISHARES TR IBONDS DEC 27 46435U283   862,406 35,229 SH   SOLE   35,229 0 0
ISHARES TR IBONDS DEC 25 46435U432   1,101,984 42,254 SH   SOLE   42,254 0 0
ISHARES TR IBONDS DEC 26 46435U259   1,099,083 44,300 SH   SOLE   44,300 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   912,291 37,435 SH   SOLE   37,435 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,974,421 20,931 SH   SOLE   20,931 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   906,915 38,865 SH   SOLE   38,865 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   930,120 37,611 SH   SOLE   37,611 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   945,193 37,271 SH   SOLE   37,271 0 0
ISHARES TR IBONDS DEC2023 46435G318   1,451,173 56,853 SH   SOLE   56,853 0 0
ISHARES TR IBONDS DEC 46435U697   888,771 34,596 SH   SOLE   34,596 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   923,888 39,926 SH   SOLE   39,926 0 0
JOHNSON CTLS INTL PLC SHS G51502105   357,039 6,710 SH   SOLE   6,710 0 0
JPMORGAN CHASE & CO COM 46625H100   1,703,260 11,745 SH   SOLE   11,745 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   813,851 40,815 SH   SOLE   40,815 0 0
KRANESHARES TR CSI CHI INTERNET 500767306   1,313,322 47,984 SH   SOLE   47,984 0 0
LULULEMON ATHLETICA INC COM 550021109   807,082 2,093 SH   SOLE   2,093 0 0
MERCK & CO INC COM 58933Y105   295,775 2,873 SH   SOLE   2,873 0 0
META PLATFORMS INC CL A 30303M102   268,388 894 SH   SOLE   894 0 0
MICROSOFT CORP COM 594918104   2,616,936 8,288 SH   SOLE   8,288 0 0
NETFLIX INC COM 64110L106   1,243,059 3,292 SH   SOLE   3,292 0 0
NOVARTIS AG SPONSORED ADR 66987V109   858,578 8,429 SH   SOLE   8,429 0 0
NVIDIA CORPORATION COM 67066G104   2,261,078 5,198 SH   SOLE   5,198 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   355,134 868 SH   SOLE   868 0 0
ORACLE CORP COM 68389X105   209,192 1,975 SH   SOLE   1,975 0 0
PEPSICO INC COM 713448108   1,580,706 9,329 SH   SOLE   9,329 0 0
PROCTER AND GAMBLE CO COM 742718109   1,676,616 11,495 SH   SOLE   11,495 0 0
PROSHARES TR BITCOIN STRATE 74347G440   193,794 14,033 SH   SOLE   14,033 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203   706,911 7,272 SH   SOLE   7,272 0 0
SAP SE SPON ADR 803054204   700,138 5,414 SH   SOLE   5,414 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,440,106 189,638 SH   SOLE   189,638 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,225,556 121,536 SH   SOLE   121,536 0 0
SONY GROUP CORP SPONSORED ADR 835699307   671,642 8,150 SH   SOLE   8,150 0 0
SOUTHERN COPPER CORP COM 84265V105   2,148,325 28,534 SH   SOLE   28,534 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   239,489 715 SH   SOLE   715 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,360,934 19,603 SH   SOLE   19,603 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   491,880 5,357 SH   SOLE   5,357 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102   627,762 14,545 SH   SOLE   14,545 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   695,982 8,009 SH   SOLE   8,009 0 0
TECK RESOURCES LTD CL B 878742204   1,018,432 23,635 SH   SOLE   23,635 0 0
TESLA INC COM 88160R101   3,509,836 14,027 SH   SOLE   14,027 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   654,243 10,857 SH   SOLE   10,857 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,692,375 5,340 SH   SOLE   5,340 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,297,236 38,954 SH   SOLE   38,954 0 0
VISA INC COM CL A 92826C839   228,400 993 SH   SOLE   993 0 0