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 4,489 38,758 SH   SOLE NONE 38,758 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204 558 21,937 SH   SOLE NONE 21,937 0 0
ABBVIE INC COM COM 00287Y109 1,539 17,574 SH   SOLE NONE 17,574 0 0
AMGEN INC COM COM 031162100 1,910 7,516 SH   SOLE NONE 7,516 0 0
AMAZON COM INC COM COM 023135106 3,476 1,104 SH   SOLE NONE 1,104 0 0
AMERICAN WTR WKS CO INC NEW COM COM 030420103 1,042 7,190 SH   SOLE NONE 7,190 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 630 11,500 SH   SOLE NONE 11,500 0 0
BOEING CO COM COM 097023105 632 3,823 SH   SOLE NONE 3,823 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102 636 2,162 SH   SOLE NONE 2,162 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH CL A LTD VT SH 112585104 367 11,106 SH   SOLE NONE 11,106 0 0
BRINKS CO COM COM 109696104 372 9,058 SH   SOLE NONE 9,058 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108 420 3,318 SH   SOLE NONE 3,318 0 0
BIOGEN INC COM COM 09062X103 1,247 4,396 SH   SOLE NONE 4,396 0 0
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663 2,456 26,831 SH   SOLE NONE 26,831 0 0
BLACKROCK INC COM COM 09247X101 1,899 3,369 SH   SOLE NONE 3,369 0 0
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 1,131 10,113 SH   SOLE NONE 10,113 0 0
CARRIER GLOBAL CORPORATION COM COM 14448C104 711 23,288 SH   SOLE NONE 23,288 0 0
CANADIAN NATL RY CO COM COM 136375102 442 4,153 SH   SOLE NONE 4,153 0 0
CARVANA CO CL A CL A 146869102 2,959 13,267 SH   SOLE NONE 13,267 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 1,810 14,590 SH   SOLE NONE 14,590 0 0
ELECTRONIC ARTS INC COM COM 285512109 876 6,714 SH   SOLE NONE 6,714 0 0
EMERSON ELEC CO COM COM 291011104 1,138 17,362 SH   SOLE NONE 17,362 0 0
FACEBOOK INC CL A CL A 30303M102 1,909 7,288 SH   SOLE NONE 7,288 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ACCES TREASURY 381430529 13,865 138,060 SH   SOLE NONE 138,060 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 9,488 53,571 SH   SOLE NONE 53,571 0 0
BARRICK GOLD CORP COM COM 067901108 565 20,098 SH   SOLE NONE 20,098 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,726 1,178 SH   SOLE NONE 1,178 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 937 4,663 SH   SOLE NONE 4,663 0 0
HOME DEPOT INC COM COM 437076102 312 1,124 SH   SOLE NONE 1,124 0 0
HDFC BANK LTD SPONSORED ADS SPONSORED ADS 40415F101 333 6,674 SH   SOLE NONE 6,674 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 2,754 49,487 SH   SOLE NONE 49,487 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 4,560 86,368 SH   SOLE NONE 86,368 0 0
INTEL CORP COM COM 458140100 1,168 22,555 SH   SOLE NONE 22,555 0 0
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 2,398 3,379 SH   SOLE NONE 3,379 0 0
JOHNSON CTLS INTL PLC SHS SHS G51502105 271 6,639 SH   SOLE NONE 6,639 0 0
JOHNSON & JOHNSON COM COM 478160104 1,747 11,732 SH   SOLE NONE 11,732 0 0
JPMORGAN CHASE & CO COM COM 46625H100 1,557 16,171 SH   SOLE NONE 16,171 0 0
KOREA ELECTRIC PWR SPONSORED ADR SPONSORED ADR 500631106 342 39,294 SH   SOLE NONE 39,294 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 2,006 5,931 SH   SOLE NONE 5,931 0 0
MCDONALDS CORP COM COM 580135101 1,187 5,407 SH   SOLE NONE 5,407 0 0
MERCK & CO. INC COM COM 58933Y105 235 2,832 SH   SOLE NONE 2,832 0 0
MICROSOFT CORP COM COM 594918104 3,071 14,601 SH   SOLE NONE 14,601 0 0
NASDAQ INC COM COM 631103108 1,028 8,380 SH   SOLE NONE 8,380 0 0
NEXTERA ENERGY INC COM COM 65339F101 384 5,537 SH   SOLE NONE 5,537 0 0
NETFLIX INC COM COM 64110L106 1,632 3,264 SH   SOLE NONE 3,264 0 0
NIKE INC CL B CL B 654106103 1,727 13,758 SH   SOLE NONE 13,758 0 0
PEPSICO INC COM COM 713448108 1,707 12,319 SH   SOLE NONE 12,319 0 0
PFIZER INC COM COM 717081103 1,766 48,119 SH   SOLE NONE 48,119 0 0
PROCTER AND GAMBLE CO COM COM 742718109 1,263 9,089 SH   SOLE NONE 9,089 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW NY REG SH NEW 500472303 477 10,121 SH   SOLE NONE 10,121 0 0
PPL CORP COM COM 69351T106 1,313 48,260 SH   SOLE NONE 48,260 0 0
PAYPAL HLDGS INC COM COM 70450Y103 232 1,179 SH   SOLE NONE 1,179 0 0
FERRARI N V COM COM N3167Y103 480 2,607 SH   SOLE NONE 2,607 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 685 11,897 SH   SOLE NONE 11,897 0 0
SAP SE SPON ADR SPON ADR 803054204 438 2,811 SH   SOLE NONE 2,811 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 7,248 230,814 SH   SOLE NONE 230,814 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 9,948 179,308 SH   SOLE NONE 179,308 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 2,212 39,438 SH   SOLE NONE 39,438 0 0
SHOPIFY INC CL A CL A 82509L107 412 403 SH   SOLE NONE 403 0 0
SONY CORP SPONSORED ADR SPONSORED ADR 835699307 612 7,969 SH   SOLE NONE 7,969 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 378 7,532 SH   SOLE NONE 7,532 0 0
STMICROELECTRONICS N V NY REGISTRY NY REGISTRY 861012102 591 19,255 SH   SOLE NONE 19,255 0 0
AT&T INC COM COM 00206R102 1,148 40,279 SH   SOLE NONE 40,279 0 0
TORONTO DOMINION BK ONT COM NEW COM NEW 891160509 494 10,688 SH   SOLE NONE 10,688 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 2,276 17,991 SH   SOLE NONE 17,991 0 0
TESLA INC COM COM 88160R101 1,719 4,007 SH   SOLE NONE 4,007 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 660 8,145 SH   SOLE NONE 8,145 0 0
TYSON FOODS INC CL A CL A 902494103 946 15,899 SH   SOLE NONE 15,899 0 0
UNILEVER N V N Y SHS NEW N Y SHS NEW 904784709 625 10,341 SH   SOLE NONE 10,341 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 239 767 SH   SOLE NONE 767 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 2,779 43,612 SH   SOLE NONE 43,612 0 0
VISA INC COM CL A COM CL A 92826C839 229 1,145 SH   SOLE NONE 1,145 0 0
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A SPONSORED ADS A 92763W103 273 17,434 SH   SOLE NONE 17,434 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 12,569 40,856 SH   SOLE NONE 40,856 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 4,265 78,338 SH   SOLE NONE 78,338 0 0
YUM CHINA HLDGS INC COM COM 98850P109 653 12,341 SH   SOLE NONE 12,341 0 0
ZOETIS INC CL A CL A 98978V103 250 1,513 SH   SOLE NONE 1,513 0 0