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
APPLE INC COM COM 037833100 2,856 11,231 SH   SOLE NONE 11,231 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204 391 22,657 SH   SOLE NONE 22,657 0 0
ABBVIE INC COM COM 00287Y109 1,296 17,012 SH   SOLE NONE 17,012 0 0
AMGEN INC COM COM 031162100 1,494 7,369 SH   SOLE NONE 7,369 0 0
AMAZON COM INC COM COM 023135106 2,685 1,377 SH   SOLE NONE 1,377 0 0
AMERICAN WTR WKS CO INC NEW COM COM 030420103 833 6,966 SH   SOLE NONE 6,966 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 584 13,078 SH   SOLE NONE 13,078 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102 376 1,935 SH   SOLE NONE 1,935 0 0
BAUSCH HEALTH COS INC COM COM 071734107 197 12,694 SH   SOLE NONE 12,694 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108 310 3,079 SH   SOLE NONE 3,079 0 0
BIOGEN INC COM COM 09062X103 1,121 3,542 SH   SOLE NONE 3,542 0 0
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663 4,636 50,593 SH   SOLE NONE 50,593 0 0
BLACKROCK INC COM COM 09247X101 1,418 3,222 SH   SOLE NONE 3,222 0 0
CNOOC LIMITED SPONSORED ADR SPONSORED ADR 126132109 243 2,347 SH   SOLE NONE 2,347 0 0
CANADIAN NATL RY CO COM COM 136375102 315 4,064 SH   SOLE NONE 4,064 0 0
CARVANA CO CL A CL A 146869102 1,066 19,347 SH   SOLE NONE 19,347 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 1,376 14,243 SH   SOLE NONE 14,243 0 0
ELECTRONIC ARTS INC COM COM 285512109 668 6,669 SH   SOLE NONE 6,669 0 0
EMERSON ELEC CO COM COM 291011104 806 16,907 SH   SOLE NONE 16,907 0 0
FACEBOOK INC CL A CL A 30303M102 1,427 8,557 SH   SOLE NONE 8,557 0 0
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF BLOMBERG BRC INV 78468R200 314 10,686 SH   SOLE NONE 10,686 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ACCES TREASURY 381430529 20,915 207,552 SH   SOLE NONE 207,552 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 3,119 21,065 SH   SOLE NONE 21,065 0 0
BARRICK GOLD CORPORATION COM COM 067901108 249 13,608 SH   SOLE NONE 13,608 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,738 1,496 SH   SOLE NONE 1,496 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 734 4,751 SH   SOLE NONE 4,751 0 0
HOME DEPOT INC COM COM 437076102 218 1,170 SH   SOLE NONE 1,170 0 0
HSBC HLDGS PLC SPON ADR NEW SPON ADR NEW 404280406 259 9,258 SH   SOLE NONE 9,258 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF NUVEEN BBG BRCLY 78464A284 726 13,261 SH   SOLE NONE 13,261 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 2,524 62,356 SH   SOLE NONE 62,356 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 3,558 63,412 SH   SOLE NONE 63,412 0 0
INTEL CORP COM COM 458140100 1,493 27,596 SH   SOLE NONE 27,596 0 0
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 2,071 4,182 SH   SOLE NONE 4,182 0 0
JOHNSON & JOHNSON COM COM 478160104 1,497 11,414 SH   SOLE NONE 11,414 0 0
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78468R622 393 4,149 SH   SOLE NONE 4,149 0 0
JPMORGAN CHASE & CO COM COM 46625H100 1,516 16,840 SH   SOLE NONE 16,840 0 0
MCDONALDS CORP COM COM 580135101 908 5,489 SH   SOLE NONE 5,489 0 0
MERCK & CO. INC COM COM 58933Y105 238 3,093 SH   SOLE NONE 3,093 0 0
MICROSOFT CORP COM COM 594918104 2,679 16,988 SH   SOLE NONE 16,988 0 0
NASDAQ INC COM COM 631103108 732 7,710 SH   SOLE NONE 7,710 0 0
NEXTERA ENERGY INC COM COM 65339F101 1,331 5,532 SH   SOLE NONE 5,532 0 0
NETFLIX INC COM COM 64110L106 1,256 3,344 SH   SOLE NONE 3,344 0 0
NIKE INC CL B CL B 654106103 1,138 13,755 SH   SOLE NONE 13,755 0 0
ORISUN ACQUISITION CORP UNIT UNIT 99/99/9999 68632T208 153 15,000 SH   SOLE NONE 15,000 0 0
PEPSICO INC COM COM 713448108 1,415 11,778 SH   SOLE NONE 11,778 0 0
PFIZER INC COM COM 717081103 1,516 46,459 SH   SOLE NONE 46,459 0 0
PROCTER & GAMBLE CO COM COM 742718109 1,024 9,309 SH   SOLE NONE 9,309 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW NY REG SH NEW 500472303 250 6,227 SH   SOLE NONE 6,227 0 0
FERRARI N V COM COM N3167Y103 426 2,791 SH   SOLE NONE 2,791 0 0
SAP SE SPON ADR SPON ADR 803054204 378 3,419 SH   SOLE NONE 3,419 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 4,910 190,026 SH   SOLE NONE 190,026 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 0 108,941 SH   SOLE NONE 108,941 0 0
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 433 7,065 SH   SOLE NONE 7,065 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 2,315 42,662 SH   SOLE NONE 42,662 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF NUVEEN BLMBRG SR 78468R739 741 15,157 SH   SOLE NONE 15,157 0 0
SHOPIFY INC CL A CL A 82509L107 300 719 SH   SOLE NONE 719 0 0
SONY CORP SPONSORED ADR SPONSORED ADR 835699307 429 7,242 SH   SOLE NONE 7,242 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 313 7,170 SH   SOLE NONE 7,170 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 333 9,796 SH   SOLE NONE 9,796 0 0
STMICROELECTRONICS N V NY REGISTRY NY REGISTRY 861012102 474 22,161 SH   SOLE NONE 22,161 0 0
AT&T INC COM COM 00206R102 795 27,287 SH   SOLE NONE 27,287 0 0
TORONTO DOMINION BK ONT COM NEW COM NEW 891160509 460 10,848 SH   SOLE NONE 10,848 0 0
TESLA INC COM COM 88160R101 581 1,109 SH   SOLE NONE 1,109 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 463 9,689 SH   SOLE NONE 9,689 0 0
TRANE TECHNOLOGIES PLC SHS SHS G8994E103 218 2,645 SH   SOLE NONE 2,645 0 0
UNILEVER N V N Y SHS NEW N Y SHS NEW 904784709 356 7,306 SH   SOLE NONE 7,306 0 0
ISHARES EDGE MSCI MIN VOL USA ETF MSCI MIN VOL ETF 46429B697 3,416 63,250 SH   SOLE NONE 63,250 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 8,956 37,816 SH   SOLE NONE 37,816 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 3,401 64,294 SH   SOLE NONE 64,294 0 0
YUM CHINA HLDGS INC COM COM 98850P109 408 9,566 SH   SOLE NONE 9,566 0 0