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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   656,202 1,870 SH   SOLE   1,870 0 0
ADOBE INC COM 00724F101   2,131,055 3,572 SH   SOLE   3,572 0 0
ALPHABET INC CAP STK CL C 02079K107   324,139 2,300 SH   SOLE   2,300 0 0
ALPHABET INC CAP STK CL A 02079K305   2,875,379 20,584 SH   SOLE   20,584 0 0
AMAZON COM INC COM 023135106   2,864,829 18,855 SH   SOLE   18,855 0 0
AMERICAN EXPRESS CO COM 025816109   232,302 1,240 SH   SOLE   1,240 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103   1,802,059 13,653 SH   SOLE   13,653 0 0
AMGEN INC COM 031162100   1,907,268 6,622 SH   SOLE   6,622 0 0
APPLE INC COM 037833100   3,810,361 19,791 SH   SOLE   19,791 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,291,306 1,706 SH   SOLE   1,706 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   246,095 690 SH   SOLE   690 0 0
BLACKROCK INC COM 09247X101   2,393,998 2,949 SH   SOLE   2,949 0 0
BLACKSTONE INC COM 09260D107   2,353,549 17,977 SH   SOLE   17,977 0 0
BRINKS CO COM 109696104   796,651 9,058 SH   SOLE   9,058 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   1,991,274 34,661 SH   SOLE   34,661 0 0
CDW CORP COM 12514G108   261,645 1,151 SH   SOLE   1,151 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   240,131 105 SH   SOLE   105 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   3,210,649 12,575 SH   SOLE   12,575 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   1,050,646 7,213 SH   SOLE   7,213 0 0
ELI LILLY & CO COM 532457108   209,851 360 SH   SOLE   360 0 0
EMERSON ELEC CO COM 291011104   1,548,423 15,909 SH   SOLE   15,909 0 0
EQUINIX INC COM 29444U700   1,334,531 1,657 SH   SOLE   1,657 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   1,226,463 9,409 SH   SOLE   9,409 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   627,863 6,295 SH   SOLE   6,295 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,784,186 4,625 SH   SOLE   4,625 0 0
GRAINGER W W INC COM 384802104   204,686 247 SH   SOLE   247 0 0
HDFC BANK LTD SPONSORED ADS 40415F101   875,718 13,049 SH   SOLE   13,049 0 0
HOME DEPOT INC COM 437076102   278,973 805 SH   SOLE   805 0 0
HONEYWELL INTL INC COM 438516106   1,395,830 6,656 SH   SOLE   6,656 0 0
ING GROEP N.V. SPONSORED ADR 456837103   1,169,517 77,864 SH   SOLE   77,864 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   3,648,886 10,816 SH   SOLE   10,816 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   844,464 40,434 SH   SOLE   40,434 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,089,545 80,853 SH   SOLE   80,853 0 0
ISHARES TR IBONDS DEC 27 46435U283   1,314,413 51,718 SH   SOLE   51,718 0 0
ISHARES TR IBONDS DEC 26 46435U259   1,312,873 51,463 SH   SOLE   51,463 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   910,781 38,108 SH   SOLE   38,108 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   909,237 36,722 SH   SOLE   36,722 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   918,606 36,877 SH   SOLE   36,877 0 0
ISHARES TR IBONDS DEC 46435U697   914,396 35,264 SH   SOLE   35,264 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   935,782 37,297 SH   SOLE   37,297 0 0
ISHARES TR IBONDS DEC 25 46435U432   1,314,163 49,507 SH   SOLE   49,507 0 0
ISHARES TR IBONDS DEC 28 46435U325   896,392 35,029 SH   SOLE   35,029 0 0
ISHARES TR CORE S&P SCP ETF 464287804   8,588,880 79,343 SH   SOLE   79,343 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   937,195 39,164 SH   SOLE   39,164 0 0
JOHNSON CTLS INTL PLC SHS G51502105   386,764 6,710 SH   SOLE   6,710 0 0
JPMORGAN CHASE & CO COM 46625H100   1,983,876 11,663 SH   SOLE   11,663 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   1,220,392 52,310 SH   SOLE   52,310 0 0
KRANESHARES TR CSI CHI INTERNET 500767306   1,883,952 69,776 SH   SOLE   69,776 0 0
LULULEMON ATHLETICA INC COM 550021109   1,194,373 2,336 SH   SOLE   2,336 0 0
MERCK & CO INC COM 58933Y105   313,214 2,873 SH   SOLE   2,873 0 0
META PLATFORMS INC CL A 30303M102   334,138 944 SH   SOLE   944 0 0
MICROSOFT CORP COM 594918104   3,118,876 8,294 SH   SOLE   8,294 0 0
MONDELEZ INTL INC CL A 609207105   1,271,798 17,559 SH   SOLE   17,559 0 0
NETFLIX INC COM 64110L106   1,600,861 3,288 SH   SOLE   3,288 0 0
NOVARTIS AG SPONSORED ADR 66987V109   1,075,835 10,655 SH   SOLE   10,655 0 0
NVIDIA CORPORATION COM 67066G104   2,574,154 5,198 SH   SOLE   5,198 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100   351,826 868 SH   SOLE   868 0 0
ORACLE CORP COM 68389X105   208,224 1,975 SH   SOLE   1,975 0 0
PEPSICO INC COM 713448108   1,574,247 9,269 SH   SOLE   9,269 0 0
PROCTER AND GAMBLE CO COM 742718109   1,675,999 11,437 SH   SOLE   11,437 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203   1,209,042 9,066 SH   SOLE   9,066 0 0
SAP SE SPON ADR 803054204   1,043,946 6,753 SH   SOLE   6,753 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,336,133 252,601 SH   SOLE   252,601 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,044,045 159,905 SH   SOLE   159,905 0 0
SONY GROUP CORP SPONSORED ADR 835699307   1,134,007 11,976 SH   SOLE   11,976 0 0
SOUTHERN COPPER CORP COM 84265V105   2,417,965 28,093 SH   SOLE   28,093 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,654,597 19,117 SH   SOLE   19,117 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   489,576 5,357 SH   SOLE   5,357 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102   971,971 19,389 SH   SOLE   19,389 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,058,512 10,178 SH   SOLE   10,178 0 0
TECK RESOURCES LTD CL B 878742204   1,408,690 33,326 SH   SOLE   33,326 0 0
TELEDYNE TECHNOLOGIES INC COM 879360105   207,079 464 SH   SOLE   464 0 0
TESLA INC COM 88160R101   4,483,076 18,042 SH   SOLE   18,042 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   922,257 14,272 SH   SOLE   14,272 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,808,717 5,335 SH   SOLE   5,335 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   17,157,067 39,279 SH   SOLE   39,279 0 0
VISA INC COM CL A 92826C839   258,528 993 SH   SOLE   993 0 0
ZOETIS INC CL A 98978V103   203,686 1,032 SH   SOLE   1,032 0 0