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
ABBVIE INC COM 00287Y109   289,567 1,560 SH   SOLE   1,560 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   200,555 671 SH   SOLE   671 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   405,441 3,575 SH   SOLE   3,575 0 0
ALKERMES PLC SHS G01767105   1,080,743 37,775 SH   SOLE   37,775 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   385,844 9,450 SH   SOLE   9,450 0 0
ALLSTATE CORP COM 020002101   2,666,754 13,247 SH   SOLE   13,247 0 0
ALLY FINL INC COM 02005N100   803,889 20,639 SH   SOLE   20,639 0 0
ALPHABET INC CAP STK CL A 02079K305   200,902 1,140 SH   SOLE   1,140 0 0
ALPHABET INC CAP STK CL C 02079K107   5,005,236 28,216 SH   SOLE   28,216 0 0
AMAZON COM INC COM 023135106   594,328 2,709 SH   SOLE   2,709 0 0
AMGEN INC COM 031162100   1,073,004 3,843 SH   SOLE   3,843 0 0
APPLE INC COM 037833100   1,822,525 8,883 SH   SOLE   8,883 0 0
AT&T INC COM 00206R102   851,328 29,417 SH   SOLE   29,417 0 0
BANK NEW YORK MELLON CORP COM 064058100   2,017,631 22,145 SH   SOLE   22,145 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   617,918 6,440 SH   SOLE   6,440 0 0
CARDINAL HEALTH INC COM 14149Y108   688,968 4,101 SH   SOLE   4,101 0 0
CBOE GLOBAL MKTS INC COM 12503M108   235,542 1,010 SH   SOLE   1,010 0 0
CLARIVATE PLC ORD SHS G21810109   73,100 17,000 SH   SOLE   17,000 0 0
CNA FINL CORP COM 126117100   1,884,698 40,505 SH   SOLE   40,505 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   493,930 6,330 SH   SOLE   6,330 0 0
COMCAST CORP NEW CL A 20030N101   1,474,354 41,310 SH   SOLE   41,310 0 0
CVS HEALTH CORP COM 126650100   1,828,177 26,503 SH   SOLE   26,503 0 0
DELUXE CORP COM 248019101   379,692 23,865 SH   SOLE   23,865 0 0
DXC TECHNOLOGY CO COM 23355L106   233,249 15,255 SH   SOLE   15,255 0 0
EURONET WORLDWIDE INC COM 298736109   406,027 4,005 SH   SOLE   4,005 0 0
FEDEX CORP COM 31428X106   229,583 1,010 SH   SOLE   1,010 0 0
FIDELITY NATIONAL FINANCIAL COM SHS 31620R303   301,210 5,373 SH   SOLE   5,373 0 0
FIRST AMERN FINL CORP COM 31847R102   389,949 6,352 SH   SOLE   6,352 0 0
FORD MTR CO COM 345370860   225,138 20,750 SH   SOLE   20,750 0 0
GSK PLC SPONSORED ADR 37733W204   792,730 20,644 SH   SOLE   20,644 0 0
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   1,405,895 48,765 SH   SOLE   48,765 0 0
ILLINOIS TOOL WKS INC COM 452308109   537,522 2,174 SH   SOLE   2,174 0 0
INDIA FD INC COM 454089103   178,904 10,823 SH   SOLE   10,823 0 0
INFOSYS LTD SPONSORED ADR 456788108   2,534,255 136,765 SH   SOLE   136,765 0 0
INTEL CORP COM 458140100   670,790 29,946 SH   SOLE   29,946 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   391,664 710 SH   SOLE   710 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   2,180,802 29,089 SH   SOLE   29,089 0 0
ISHARES INC MSCI ITALY ETF 46434G830   351,422 7,300 SH   SOLE   7,300 0 0
ISHARES INC MSCI EURZONE ETF 464286608   2,162,910 36,382 SH   SOLE   36,382 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   592,387 12,280 SH   SOLE   12,280 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   876,026 7,356 SH   SOLE   7,356 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   638,954 2,961 SH   SOLE   2,961 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   900,068 16,890 SH   SOLE   16,890 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,774,372 33,631 SH   SOLE   33,631 0 0
ISHARES TR SHORT TREAS BD 464288679   701,167 6,350 SH   SOLE   6,350 0 0
ISHARES TR U.S. TECH ETF 464287721   1,166,107 6,730 SH   SOLE   6,730 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,219,101 13,638 SH   SOLE   13,638 0 0
ISHARES TR LATN AMER 40 ETF 464287390   212,432 8,105 SH   SOLE   8,105 0 0
ISHARES TR IBOXX INV CP ETF 464287242   522,511 4,767 SH   SOLE   4,767 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   3,307,495 64,827 SH   SOLE   64,827 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,712,708 26,360 SH   SOLE   26,360 0 0
ISHARES TR EAFE GRWTH ETF 464288885   218,400 1,950 SH   SOLE   1,950 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,404,178 19,320 SH   SOLE   19,320 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   1,065,886 13,208 SH   SOLE   13,208 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104   496,277 51,481 SH   SOLE   51,481 0 0
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   435,092 4,100 SH   SOLE   4,100 0 0
JOHNSON & JOHNSON COM 478160104   979,586 6,413 SH   SOLE   6,413 0 0
KINDER MORGAN INC DEL COM 49456B101   1,565,726 53,256 SH   SOLE   53,256 0 0
LCI INDS COM 50189K103   457,865 5,021 SH   SOLE   5,021 0 0
LOCKHEED MARTIN CORP COM 539830109   276,031 596 SH   SOLE   596 0 0
M & T BK CORP COM 55261F104   228,132 1,176 SH   SOLE   1,176 0 0
MCKESSON CORP COM 58155Q103   4,122,620 5,626 SH   SOLE   5,626 0 0
MEDTRONIC PLC SHS G5960L103   763,609 8,760 SH   SOLE   8,760 0 0
MELCO RESORTS AND ENTMNT LTD ADR 585464100   80,361 11,115 SH   SOLE   11,115 0 0
MERCADOLIBRE INC COM 58733R102   953,975 365 SH   SOLE   365 0 0
MEXICO FD INC COM 592835102   641,990 36,539 SH   SOLE   36,539 0 0
MICROSOFT CORP COM 594918104   1,062,468 2,136 SH   SOLE   2,136 0 0
NEW GERMANY FD INC COM 644465106   390,319 32,690 SH   SOLE   32,690 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   980,972 5,672 SH   SOLE   5,672 0 0
NOKIA CORP SPONSORED ADR 654902204   62,963 12,155 SH   SOLE   12,155 0 0
OLD REP INTL CORP COM 680223104   1,703,084 44,305 SH   SOLE   44,305 0 0
OLIN CORP COM PAR $1 680665205   308,783 15,370 SH   SOLE   15,370 0 0
OMNICOM GROUP INC COM 681919106   625,878 8,700 SH   SOLE   8,700 0 0
ORACLE CORP COM 68389X105   2,097,318 9,593 SH   SOLE   9,593 0 0
PAYPAL HLDGS INC COM 70450Y103   779,171 10,484 SH   SOLE   10,484 0 0
PERRIGO CO PLC SHS G97822103   1,072,113 40,124 SH   SOLE   40,124 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   235,814 18,850 SH   SOLE   18,850 0 0
PHOTRONICS INC COM 719405102   491,651 26,110 SH   SOLE   26,110 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,011,424 20,007 SH   SOLE   20,007 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   1,616,614 30,043 SH   SOLE   30,043 0 0
POPULAR INC COM NEW 733174700   605,604 5,495 SH   SOLE   5,495 0 0
QORVO INC COM 74736K101   372,245 4,384 SH   SOLE   4,384 0 0
RESTAURANT BRANDS INTL INC COM 76131D103   1,262,294 19,042 SH   SOLE   19,042 0 0
RIO TINTO PLC SPONSORED ADR 767204100   250,819 4,300 SH   SOLE   4,300 0 0
RTX CORPORATION COM 75513E101   1,005,932 6,889 SH   SOLE   6,889 0 0
SALLY BEAUTY HLDGS INC COM 79546E104   133,344 14,400 SH   SOLE   14,400 0 0
SANOFI SPONSORED ADR 80105N105   556,773 11,525 SH   SOLE   11,525 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   434,095 8,289 SH   SOLE   8,289 0 0
SHELL PLC SPON ADS 780259305   821,826 11,672 SH   SOLE   11,672 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,647,806 2,667 SH   SOLE   2,667 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821   216,899 2,496 SH   SOLE   2,496 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200   1,994,239 64,685 SH   SOLE   64,685 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201   445,081 5,015 SH   SOLE   5,015 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   2,208,679 26,720 SH   SOLE   26,720 0 0
STARBUCKS CORP COM 855244109   258,855 2,825 SH   SOLE   2,825 0 0
TAIWAN FD INC COM 874036106   377,300 8,420 SH   SOLE   8,420 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   4,149,523 18,321 SH   SOLE   18,321 0 0
TC ENERGY CORP COM 87807B107   553,327 11,341 SH   SOLE   11,341 0 0
TELEFONICA BRASIL SA SPONSORED ADS 87936R205   84,119 16,084 SH   SOLE   16,084 0 0
THE CIGNA GROUP COM 125523100   499,837 1,512 SH   SOLE   1,512 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   1,694,345 23,068 SH   SOLE   23,068 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   1,426,581 23,238 SH   SOLE   23,238 0 0
TOYOTA MOTOR CORP ADS 892331307   939,678 5,455 SH   SOLE   5,455 0 0
TRAVELERS COMPANIES INC COM 89417E109   432,612 1,617 SH   SOLE   1,617 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102   635,044 2,210 SH   SOLE   2,210 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   496,351 2,740 SH   SOLE   2,740 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,715,353 39,643 SH   SOLE   39,643 0 0
VISTRA CORP COM 92840M102   501,968 2,590 SH   SOLE   2,590 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   319,342 29,957 SH   SOLE   29,957 0 0
WINNEBAGO INDS INC COM 974637100   300,005 10,345 SH   SOLE   10,345 0 0
WP CAREY INC COM 92936U109   509,457 8,167 SH   SOLE   8,167 0 0
WPP PLC NEW ADR 92937A102   302,311 8,635 SH   SOLE   8,635 0 0