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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB LTD SPONSORED ADR SPONSORED ADR 000375204   1,094 32,198 SH   SOLE NONE 32,198 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102   1,278 5,636 SH   SOLE NONE 5,636 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108   873 14,570 SH   SOLE NONE 14,570 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108   1,042 5,111 SH   SOLE NONE 5,111 0 0
BHP GROUP LTD SPONSORED ADS SPONSORED ADS 088606108   497 6,828 SH   SOLE NONE 6,828 0 0
HDFC BANK LTD SPONSORED ADS SPONSORED ADS 40415F101   885 12,107 SH   SOLE NONE 12,107 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW NY REGIS SHS NEW 500472303   650 13,076 SH   SOLE NONE 13,076 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105   581 11,032 SH   SOLE NONE 11,032 0 0
SONY GROUP CORPORATION SPONSORED ADR SPONSORED ADR 835699307   879 9,044 SH   SOLE NONE 9,044 0 0
STMICROELECTRONICS N V NY REGISTRY NY REGISTRY 861012102   957 26,292 SH   SOLE NONE 26,292 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100   1,225 10,198 SH   SOLE NONE 10,198 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704   857 14,648 SH   SOLE NONE 14,648 0 0
AIRBNB INC COM CL A COM CL A 009066101   867 5,664 SH   SOLE NONE 5,664 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305   2,920 1,196 SH   SOLE NONE 1,196 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107   288 115 SH   SOLE NONE 115 0 0
AMAZON COM INC COM COM 023135106   3,430 997 SH   SOLE NONE 997 0 0
AMERICAN EXPRESS CO COM COM 025816109   205 1,240 SH   SOLE NONE 1,240 0 0
AMERICAN WTR WKS CO INC NEW COM COM 030420103   1,074 6,967 SH   SOLE NONE 6,967 0 0
AMGEN INC COM COM 031162100   1,609 6,602 SH   SOLE NONE 6,602 0 0
APPLE INC COM COM 037833100   4,834 35,295 SH   SOLE NONE 35,295 0 0
BIOGEN INC COM COM 09062X103   1,063 3,070 SH   SOLE NONE 3,070 0 0
BLACKROCK INC COM COM 09247X101   2,074 2,370 SH   SOLE NONE 2,370 0 0
BOEING CO COM COM 097023105   1,597 6,667 SH   SOLE NONE 6,667 0 0
BRINKS CO COM COM 109696104   696 9,058 SH   SOLE NONE 9,058 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH CL A LTD VT SH 112585104   827 16,225 SH   SOLE NONE 16,225 0 0
CANADIAN NATL RY CO COM COM 136375102   647 6,133 SH   SOLE NONE 6,133 0 0
CARRIER GLOBAL CORPORATION COM COM 14448C104   1,577 32,449 SH   SOLE NONE 32,449 0 0
CARVANA CO CL A CL A 146869102   1,470 4,872 SH   SOLE NONE 4,872 0 0
CDW CORP COM COM 12514G108   201 1,151 SH   SOLE NONE 1,151 0 0
COINBASE GLOBAL INC COM CL A COM CL A 19260Q107   878 3,466 SH   SOLE NONE 3,466 0 0
CRISPR THERAPEUTICS AG NAMEN AKT NAMEN AKT H17182108   853 5,267 SH   SOLE NONE 5,267 0 0
DISNEY WALT CO COM COM 254687106   2,196 12,492 SH   SOLE NONE 12,492 0 0
DRAFTKINGS INC COM CL A COM CL A 26142R104   875 16,775 SH   SOLE NONE 16,775 0 0
EMERSON ELEC CO COM COM 291011104   1,405 14,596 SH   SOLE NONE 14,596 0 0
ENPHASE ENERGY INC COM COM 29355A107   1,939 10,557 SH   SOLE NONE 10,557 0 0
FACEBOOK INC CL A CL A 30303M102   2,145 6,170 SH   SOLE NONE 6,170 0 0
FERRARI N V COM COM N3167Y103   784 3,803 SH   SOLE NONE 3,803 0 0
FOX FACTORY HLDG CORP COM COM 35138V102   203 1,303 SH   SOLE NONE 1,303 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104   1,666 4,390 SH   SOLE NONE 4,390 0 0
HOME DEPOT INC COM COM 437076102   365 1,144 SH   SOLE NONE 1,144 0 0
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602   2,605 2,833 SH   SOLE NONE 2,833 0 0
JOHNSON & JOHNSON COM COM 478160104   1,715 10,413 SH   SOLE NONE 10,413 0 0
JOHNSON CTLS INTL PLC SHS SHS G51502105   461 6,710 SH   SOLE NONE 6,710 0 0
JPMORGAN CHASE & CO COM COM 46625H100   1,749 11,244 SH   SOLE NONE 11,244 0 0
MARVELL TECHNOLOGY INC COM COM 573874104   868 14,881 SH   SOLE NONE 14,881 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104   1,861 5,097 SH   SOLE NONE 5,097 0 0
MCDONALDS CORP COM COM 580135101   1,061 4,595 SH   SOLE NONE 4,595 0 0
MERCK & CO INC COM COM 58933Y105   220 2,832 SH   SOLE NONE 2,832 0 0
MICROSOFT CORP COM COM 594918104   3,387 12,503 SH   SOLE NONE 12,503 0 0
NETFLIX INC COM COM 64110L106   1,640 3,104 SH   SOLE NONE 3,104 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN COM UNIT PART IN 65341B106   1,477 19,348 SH   SOLE NONE 19,348 0 0
NIKE INC CL B CL B 654106103   1,837 11,889 SH   SOLE NONE 11,889 0 0
NORWEGIAN CRUISE LINE HLDG LTD SHS SHS G66721104   1,025 34,865 SH   SOLE NONE 34,865 0 0
OLD DOMINION FREIGHT LINE INC COM COM 679580100   220 868 SH   SOLE NONE 868 0 0
PALANTIR TECHNOLOGIES INC CL A CL A 69608A108   1,596 60,558 SH   SOLE NONE 60,558 0 0
PAYPAL HLDGS INC COM COM 70450Y103   412 1,412 SH   SOLE NONE 1,412 0 0
PEPSICO INC COM COM 713448108   1,552 10,476 SH   SOLE NONE 10,476 0 0
PROCTER AND GAMBLE CO COM COM 742718109   1,057 7,830 SH   SOLE NONE 7,830 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101   1,390 16,299 SH   SOLE NONE 16,299 0 0
SALESFORCE COM INC COM COM 79466L302   1,435 5,874 SH   SOLE NONE 5,874 0 0
SHOPIFY INC CL A CL A 82509L107   847 580 SH   SOLE NONE 580 0 0
SOLAREDGE TECHNOLOGIES INC COM COM 83417M104   679 2,456 SH   SOLE NONE 2,456 0 0
TESLA INC COM COM 88160R101   2,492 3,667 SH   SOLE NONE 3,667 0 0
TORONTO DOMINION BK ONT COM NEW COM NEW 891160509   915 13,066 SH   SOLE NONE 13,066 0 0
TYSON FOODS INC CL A CL A 902494103   1,291 17,505 SH   SOLE NONE 17,505 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102   300 749 SH   SOLE NONE 749 0 0
VISA INC COM CL A COM CL A 92826C839   275 1,177 SH   SOLE NONE 1,177 0 0
YUM CHINA HLDGS INC COM COM 98850P109   945 14,267 SH   SOLE NONE 14,267 0 0
ZOETIS INC CL A CL A 98978V103   282 1,513 SH   SOLE NONE 1,513 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ACCES TREASURY 381430529   3,445 34,411 SH   SOLE NONE 34,411 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672   817 14,832 SH   SOLE NONE 14,832 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   8,274 123,508 SH   SOLE NONE 123,508 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697   365 4,963 SH   SOLE NONE 4,963 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804   10,284 91,023 SH   SOLE NONE 91,023 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176   2,390 18,668 SH   SOLE NONE 18,668 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805   11,698 296,539 SH   SOLE NONE 296,539 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508   15,302 195,499 SH   SOLE NONE 195,499 0 0
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663   266 2,904 SH   SOLE NONE 2,904 0 0
SPDR GOLD SHARES GOLD SHS 78463V107   3,472 20,965 SH   SOLE NONE 20,965 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   16,930 43,022 SH   SOLE NONE 43,022 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746   4,472 80,874 SH   SOLE NONE 80,874 0 0