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 4,189 31,570 SH   SOLE NONE 31,570 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204 813 29,075 SH   SOLE NONE 29,075 0 0
ABBVIE INC COM COM 00287Y109 1,371 12,798 SH   SOLE NONE 12,798 0 0
AMGEN INC COM COM 031162100 1,303 5,668 SH   SOLE NONE 5,668 0 0
AMAZON COM INC COM COM 023135106 2,938 902 SH   SOLE NONE 902 0 0
AMERICAN WTR WKS CO INC NEW COM COM 030420103 807 5,258 SH   SOLE NONE 5,258 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 749 14,991 SH   SOLE NONE 14,991 0 0
BOEING CO COM COM 097023105 1,088 5,084 SH   SOLE NONE 5,084 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102 1,020 4,384 SH   SOLE NONE 4,384 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH CL A LTD VT SH 112585104 604 14,644 SH   SOLE NONE 14,644 0 0
BRINKS CO COM COM 109696104 652 9,058 SH   SOLE NONE 9,058 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108 1,002 4,632 SH   SOLE NONE 4,632 0 0
BIOGEN INC COM COM 09062X103 1,558 6,364 SH   SOLE NONE 6,364 0 0
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663 366 3,997 SH   SOLE NONE 3,997 0 0
BLACKROCK INC COM COM 09247X101 1,797 2,491 SH   SOLE NONE 2,491 0 0
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 1,131 10,314 SH   SOLE NONE 10,314 0 0
CARRIER GLOBAL CORPORATION COM COM 14448C104 1,094 29,000 SH   SOLE NONE 29,000 0 0
CANADIAN NATL RY CO COM COM 136375102 606 5,515 SH   SOLE NONE 5,515 0 0
CARVANA CO CL A CL A 146869102 1,080 4,510 SH   SOLE NONE 4,510 0 0
DISNEY WALT CO COM COM 254687106 2,013 11,108 SH   SOLE NONE 11,108 0 0
ELECTRONIC ARTS INC COM COM 285512109 701 4,882 SH   SOLE NONE 4,882 0 0
EMERSON ELEC CO COM COM 291011104 1,019 12,680 SH   SOLE NONE 12,680 0 0
FACEBOOK INC CL A CL A 30303M102 1,561 5,715 SH   SOLE NONE 5,715 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ACCES TREASURY 381430529 2,269 22,660 SH   SOLE NONE 22,660 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 9,868 55,328 SH   SOLE NONE 55,328 0 0
BARRICK GOLD CORP COM COM 067901108 775 34,000 SH   SOLE NONE 34,000 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 201 115 SH   SOLE NONE 115 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 1,853 1,057 SH   SOLE NONE 1,057 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 1,157 4,386 SH   SOLE NONE 4,386 0 0
HOME DEPOT INC COM COM 437076102 299 1,124 SH   SOLE NONE 1,124 0 0
HDFC BANK LTD SPONSORED ADS SPONSORED ADS 40415F101 646 8,946 SH   SOLE NONE 8,946 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 2,875 51,146 SH   SOLE NONE 51,146 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 7,130 114,929 SH   SOLE NONE 114,929 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 4,322 47,032 SH   SOLE NONE 47,032 0 0
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 2,089 2,553 SH   SOLE NONE 2,553 0 0
JOHNSON CTLS INTL PLC SHS SHS G51502105 309 6,639 SH   SOLE NONE 6,639 0 0
JOHNSON & JOHNSON COM COM 478160104 1,450 9,215 SH   SOLE NONE 9,215 0 0
JPMORGAN CHASE & CO COM COM 46625H100 1,541 12,131 SH   SOLE NONE 12,131 0 0
KOREA ELECTRIC PWR SPONSORED ADR SPONSORED ADR 500631106 805 65,639 SH   SOLE NONE 65,639 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 1,580 4,427 SH   SOLE NONE 4,427 0 0
MCDONALDS CORP COM COM 580135101 862 4,016 SH   SOLE NONE 4,016 0 0
MERCK & CO. INC COM COM 58933Y105 232 2,832 SH   SOLE NONE 2,832 0 0
MARVELL TECHNOLOGY GROUP LTD ORD ORD G5876H105 512 10,771 SH   SOLE NONE 10,771 0 0
MICROSOFT CORP COM COM 594918104 2,516 11,314 SH   SOLE NONE 11,314 0 0
NASDAQ INC COM COM 631103108 810 6,104 SH   SOLE NONE 6,104 0 0
NEXTERA ENERGY INC COM COM 65339F101 1,295 16,781 SH   SOLE NONE 16,781 0 0
NETFLIX INC COM COM 64110L106 1,331 2,462 SH   SOLE NONE 2,462 0 0
NIKE INC CL B CL B 654106103 1,443 10,202 SH   SOLE NONE 10,202 0 0
PEPSICO INC COM COM 713448108 1,365 9,204 SH   SOLE NONE 9,204 0 0
PFIZER INC COM COM 717081103 1,509 41,007 SH   SOLE NONE 41,007 0 0
PROCTER AND GAMBLE CO COM COM 742718109 957 6,875 SH   SOLE NONE 6,875 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW NY REG SH NEW 500472303 730 13,481 SH   SOLE NONE 13,481 0 0
PPL CORP COM COM 69351T106 1,215 43,079 SH   SOLE NONE 43,079 0 0
PAYPAL HLDGS INC COM COM 70450Y103 287 1,226 SH   SOLE NONE 1,226 0 0
FERRARI N V COM COM N3167Y103 787 3,427 SH   SOLE NONE 3,427 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 895 12,520 SH   SOLE NONE 12,520 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 11,510 319,628 SH   SOLE NONE 319,628 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 12,585 184,581 SH   SOLE NONE 184,581 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 2,253 40,205 SH   SOLE NONE 40,205 0 0
SHOPIFY INC CL A CL A 82509L107 590 521 SH   SOLE NONE 521 0 0
SONY CORP SPONSORED ADR SPONSORED ADR 835699307 968 9,576 SH   SOLE NONE 9,576 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 485 9,980 SH   SOLE NONE 9,980 0 0
STMICROELECTRONICS N V NY REGISTRY NY REGISTRY 861012102 883 23,784 SH   SOLE NONE 23,784 0 0
AT&T INC COM COM 00206R102 1,055 36,693 SH   SOLE NONE 36,693 0 0
TORONTO DOMINION BK ONT COM NEW COM NEW 891160509 803 14,227 SH   SOLE NONE 14,227 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 2,373 18,591 SH   SOLE NONE 18,591 0 0
TESLA INC COM COM 88160R101 1,466 2,078 SH   SOLE NONE 2,078 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,017 9,331 SH   SOLE NONE 9,331 0 0
TYSON FOODS INC CL A CL A 902494103 1,201 18,630 SH   SOLE NONE 18,630 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 807 13,368 SH   SOLE NONE 13,368 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 263 749 SH   SOLE NONE 749 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 3,974 58,547 SH   SOLE NONE 58,547 0 0
VISA INC COM CL A COM CL A 92826C839 257 1,177 SH   SOLE NONE 1,177 0 0
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A SPONSORED ADS A 92763W103 914 32,506 SH   SOLE NONE 32,506 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 14,844 43,190 SH   SOLE NONE 43,190 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 4,445 80,534 SH   SOLE NONE 80,534 0 0
WESTPAC BANKING CORP SPONSORED ADR SPONSORED ADR 961214301 582 39,039 SH   SOLE NONE 39,039 0 0
YUM CHINA HLDGS INC COM COM 98850P109 914 16,006 SH   SOLE NONE 16,006 0 0
ZOETIS INC CL A CL A 98978V103 250 1,513 SH   SOLE NONE 1,513 0 0