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
APPLE INC COM COM 037833100   3,919 13,345 SH   SOLE NONE 13,345 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204   700 29,053 SH   SOLE NONE 29,053 0 0
ABBVIE INC COM COM 00287Y109   775 8,755 SH   SOLE NONE 8,755 0 0
AMGEN INC COM COM 031162100   1,772 7,352 SH   SOLE NONE 7,352 0 0
AMAZON COM INC COM COM 023135106   2,398 1,298 SH   SOLE NONE 1,298 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   829 16,631 SH   SOLE NONE 16,631 0 0
BOEING CO COM COM 097023105   1,543 4,738 SH   SOLE NONE 4,738 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102   509 2,400 SH   SOLE NONE 2,400 0 0
BHP GROUP LTD SPONSORED ADS SPONSORED ADS 088606108   523 9,552 SH   SOLE NONE 9,552 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108   491 3,883 SH   SOLE NONE 3,883 0 0
BIOGEN INC COM COM 09062X103   821 2,766 SH   SOLE NONE 2,766 0 0
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663   225 2,457 SH   SOLE NONE 2,457 0 0
BLACKROCK INC COM COM 09247X101   1,179 2,345 SH   SOLE NONE 2,345 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR SPONSORED ADR 03524A108   562 6,852 SH   SOLE NONE 6,852 0 0
CNOOC LTD SPONSORED ADR SPONSORED ADR 126132109   491 2,944 SH   SOLE NONE 2,944 0 0
CANADIAN NATL RY CO COM COM 136375102   469 5,189 SH   SOLE NONE 5,189 0 0
CONOCOPHILLIPS COM COM 20825C104   685 10,529 SH   SOLE NONE 10,529 0 0
CARVANA CO CL A CL A 146869102   1,125 12,224 SH   SOLE NONE 12,224 0 0
CHEVRON CORP NEW COM COM 166764100   224 1,858 SH   SOLE NONE 1,858 0 0
DIAGEO P L C SPON ADR NEW SPON ADR NEW 25243Q205   407 2,414 SH   SOLE NONE 2,414 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106   1,849 12,781 SH   SOLE NONE 12,781 0 0
DARDEN RESTAURANTS INC COM COM 237194105   643 5,901 SH   SOLE NONE 5,901 0 0
ELECTRONIC ARTS INC COM COM 285512109   495 4,605 SH   SOLE NONE 4,605 0 0
FACEBOOK INC CL A CL A 30303M102   1,222 5,953 SH   SOLE NONE 5,953 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ACCES TREASURY 381430529   4,210 42,045 SH   SOLE NONE 42,045 0 0
CGI INC CL A SUB VTG CL A SUB VTG 12532H104   551 6,588 SH   SOLE NONE 6,588 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305   1,954 1,459 SH   SOLE NONE 1,459 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104   981 4,267 SH   SOLE NONE 4,267 0 0
HSBC HLDGS PLC SPON ADR NEW SPON ADR NEW 404280406   466 11,926 SH   SOLE NONE 11,926 0 0
HENRY SCHEIN INC COM COM 806407102   761 11,405 SH   SOLE NONE 11,405 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF NUVEEN BBG BRCLY 78464A284   219 3,705 SH   SOLE NONE 3,705 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   3,232 60,122 SH   SOLE NONE 60,122 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804   3,482 41,525 SH   SOLE NONE 41,525 0 0
INTEL CORP COM COM 458140100   1,679 28,053 SH   SOLE NONE 28,053 0 0
INTL PAPER CO COM COM 460146103   640 13,896 SH   SOLE NONE 13,896 0 0
JAZZ PHARMACEUTICALS PLC SHS USD SHS USD G50871105   563 3,769 SH   SOLE NONE 3,769 0 0
JOHNSON & JOHNSON COM COM 478160104   1,629 11,167 SH   SOLE NONE 11,167 0 0
JPMORGAN CHASE & CO COM COM 46625H100   2,106 15,110 SH   SOLE NONE 15,110 0 0
COCA COLA CO COM COM 191216100   268 4,836 SH   SOLE NONE 4,836 0 0
LYONDELLBASELL INDUSTRIES N V SHS - A - SHS - A - N53745100   763 8,076 SH   SOLE NONE 8,076 0 0
MASTERCARD INC CL A CL A 57636Q104   1,798 6,023 SH   SOLE NONE 6,023 0 0
ALTRIA GROUP INC COM COM 02209S103   1,058 21,206 SH   SOLE NONE 21,206 0 0
MARATHON PETE CORP COM COM 56585A102   670 11,117 SH   SOLE NONE 11,117 0 0
MERCK & CO INC COM COM 58933Y105   239 2,632 SH   SOLE NONE 2,632 0 0
MICROSOFT CORP COM COM 594918104   2,758 17,488 SH   SOLE NONE 17,488 0 0
NASDAQ INC COM COM 631103108   833 7,781 SH   SOLE NONE 7,781 0 0
NETFLIX INC COM COM 64110L106   999 3,086 SH   SOLE NONE 3,086 0 0
NIKE INC CL B CL B 654106103   1,299 12,819 SH   SOLE NONE 12,819 0 0
NXP SEMICONDUCTORS N V COM COM N6596X109   643 5,054 SH   SOLE NONE 5,054 0 0
ORISUN ACQUISITION CORP UNIT UNIT 99/99/9999 68632T208   152 15,000 SH   SOLE NONE 15,000 0 0
PALO ALTO NETWORKS INC COM COM 697435105   768 3,319 SH   SOLE NONE 3,319 0 0
PEPSICO INC COM COM 713448108   1,016 7,431 SH   SOLE NONE 7,431 0 0
PFIZER INC COM COM 717081103   1,364 34,820 SH   SOLE NONE 34,820 0 0
PROCTER & GAMBLE CO COM COM 742718109   777 6,218 SH   SOLE NONE 6,218 0 0
PULTE GROUP INC COM COM 745867101   599 15,445 SH   SOLE NONE 15,445 0 0
FERRARI N V COM COM N3167Y103   555 3,350 SH   SOLE NONE 3,350 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A SPONS ADR A 780259206   703 11,912 SH   SOLE NONE 11,912 0 0
SAP SE SPON ADR SPON ADR 803054204   573 4,279 SH   SOLE NONE 4,279 0 0
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607   279 3,692 SH   SOLE NONE 3,692 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   8,237 244,931 SH   SOLE NONE 244,931 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   8,675 144,219 SH   SOLE NONE 144,219 0 0
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201   678 8,827 SH   SOLE NONE 8,827 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839   3,304 61,835 SH   SOLE NONE 61,835 0 0
SHINHAN FINANCIAL GROUP CO LTD SPN ADR RESTRD SPN ADR RESTRD 824596100   432 11,348 SH   SOLE NONE 11,348 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF NUVEEN BLMBRG SR 78468R739   213 4,329 SH   SOLE NONE 4,329 0 0
SONY CORP SPONSORED ADR SPONSORED ADR 835699307   587 8,628 SH   SOLE NONE 8,628 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105   465 9,271 SH   SOLE NONE 9,271 0 0
SPLUNK INC COM COM 848637104   948 6,333 SH   SOLE NONE 6,333 0 0
STMICROELECTRONICS N V NY REGISTRY NY REGISTRY 861012102   888 33,002 SH   SOLE NONE 33,002 0 0
CONSTELLATION BRANDS INC CL A CL A 21036P108   812 4,279 SH   SOLE NONE 4,279 0 0
TORONTO DOMINION BK ONT COM NEW COM NEW 891160509   788 14,043 SH   SOLE NONE 14,043 0 0
TRUIST FINL CORP COM COM 89832Q109   881 15,647 SH   SOLE NONE 15,647 0 0
TOTAL S A SPONSORED ADS SPONSORED ADS 89151E109   373 6,749 SH   SOLE NONE 6,749 0 0
TRAVELERS COMPANIES INC COM COM 89417E109   1,050 7,666 SH   SOLE NONE 7,666 0 0
TESLA INC COM COM 88160R101   1,566 3,743 SH   SOLE NONE 3,743 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   718 12,353 SH   SOLE NONE 12,353 0 0
TYSON FOODS INC CL A CL A 902494103   963 10,575 SH   SOLE NONE 10,575 0 0
TEXAS INSTRS INC COM COM 882508104   827 6,444 SH   SOLE NONE 6,444 0 0
UNILEVER N V N Y SHS NEW N Y SHS NEW 904784709   540 9,406 SH   SOLE NONE 9,406 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102   225 767 SH   SOLE NONE 767 0 0
ISHARES EDGE MSCI MIN VOL USA ETF MSCI MIN VOL ETF 46429B697   5,407 82,428 SH   SOLE NONE 82,428 0 0
UNITED TECHNOLOGIES CORP COM COM 913017109   1,333 8,904 SH   SOLE NONE 8,904 0 0
VMWARE INC CL A COM CL A COM 928563402   1,243 8,187 SH   SOLE NONE 8,187 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   16,614 56,165 SH   SOLE NONE 56,165 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746   5,295 98,907 SH   SOLE NONE 98,907 0 0
EXXON MOBIL CORP COM COM 30231G102   418 5,992 SH   SOLE NONE 5,992 0 0
YUM CHINA HLDGS INC COM COM 98850P109   401 8,361 SH   SOLE NONE 8,361 0 0