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   361,202 1,560 SH   SOLE   1,560 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   615,725 3,445 SH   SOLE   3,445 0 0
ALKERMES PLC SHS G01767105   1,093,650 36,455 SH   SOLE   36,455 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   361,179 9,450 SH   SOLE   9,450 0 0
ALLSTATE CORP COM 020002101   2,733,997 12,737 SH   SOLE   12,737 0 0
ALLY FINL INC COM 02005N100   767,889 19,589 SH   SOLE   19,589 0 0
ALPHABET INC CAP STK CL A 02079K305   233,376 960 SH   SOLE   960 0 0
ALPHABET INC CAP STK CL C 02079K107   6,675,218 27,408 SH   SOLE   27,408 0 0
AMAZON COM INC COM 023135106   590,424 2,689 SH   SOLE   2,689 0 0
AMGEN INC COM 031162100   1,070,385 3,793 SH   SOLE   3,793 0 0
APPLE INC COM 037833100   2,188,036 8,593 SH   SOLE   8,593 0 0
AT&T INC COM 00206R102   826,105 29,253 SH   SOLE   29,253 0 0
BANK NEW YORK MELLON CORP COM 064058100   2,392,544 21,958 SH   SOLE   21,958 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   839,416 6,340 SH   SOLE   6,340 0 0
CARDINAL HEALTH INC COM 14149Y108   643,693 4,101 SH   SOLE   4,101 0 0
CNA FINL CORP COM 126117100   1,843,533 39,680 SH   SOLE   39,680 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   503,360 7,505 SH   SOLE   7,505 0 0
COMCAST CORP NEW CL A 20030N101   1,381,349 43,964 SH   SOLE   43,964 0 0
CVS HEALTH CORP COM 126650100   1,956,597 25,953 SH   SOLE   25,953 0 0
DELUXE CORP COM 248019101   489,614 25,290 SH   SOLE   25,290 0 0
DXC TECHNOLOGY CO COM 23355L106   199,748 14,655 SH   SOLE   14,655 0 0
EURONET WORLDWIDE INC COM 298736109   393,389 4,480 SH   SOLE   4,480 0 0
FEDEX CORP COM 31428X106   238,168 1,010 SH   SOLE   1,010 0 0
FIDELITY NATIONAL FINANCIAL COM SHS 31620R303   276,621 4,573 SH   SOLE   4,573 0 0
FIRST AMERN FINL CORP COM 31847R102   408,052 6,352 SH   SOLE   6,352 0 0
FORD MTR CO COM 345370860   243,386 20,350 SH   SOLE   20,350 0 0
GSK PLC SPONSORED ADR 37733W204   882,061 20,437 SH   SOLE   20,437 0 0
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   1,467,312 47,640 SH   SOLE   47,640 0 0
HONEYWELL INTL INC COM 438516106   836,738 3,975 SH   SOLE   3,975 0 0
ILLINOIS TOOL WKS INC COM 452308109   566,892 2,174 SH   SOLE   2,174 0 0
INDIA FD INC COM 454089103   158,557 10,823 SH   SOLE   10,823 0 0
INFOSYS LTD SPONSORED ADR 456788108   2,187,746 134,465 SH   SOLE   134,465 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   426,263 710 SH   SOLE   710 0 0
ISHARES INC MSCI EURZONE ETF 464286608   2,213,240 35,732 SH   SOLE   35,732 0 0
ISHARES INC MSCI ITALY ETF 46434G830   379,235 7,300 SH   SOLE   7,300 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   2,295,129 28,614 SH   SOLE   28,614 0 0
ISHARES TR U.S. TECH ETF 464287721   1,260,359 6,435 SH   SOLE   6,435 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,462,667 19,065 SH   SOLE   19,065 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   3,542,767 34,276 SH   SOLE   34,276 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   660,793 2,731 SH   SOLE   2,731 0 0
ISHARES TR IBOXX INV CP ETF 464287242   580,424 5,207 SH   SOLE   5,207 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   658,022 5,506 SH   SOLE   5,506 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   708,038 13,090 SH   SOLE   13,090 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,353,772 14,499 SH   SOLE   14,499 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   3,141,596 61,497 SH   SOLE   61,497 0 0
ISHARES TR SHORT TREAS BD 464288679   486,156 4,400 SH   SOLE   4,400 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,307,123 43,506 SH   SOLE   43,506 0 0
ISHARES TR LATN AMER 40 ETF 464287390   234,153 8,105 SH   SOLE   8,105 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   679,782 12,730 SH   SOLE   12,730 0 0
ISHARES TR EAFE GRWTH ETF 464288885   209,539 1,840 SH   SOLE   1,840 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   1,529,578 17,535 SH   SOLE   17,535 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104   535,232 50,781 SH   SOLE   50,781 0 0
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   533,790 4,050 SH   SOLE   4,050 0 0
JOHNSON & JOHNSON COM 478160104   1,179,827 6,363 SH   SOLE   6,363 0 0
KINDER MORGAN INC DEL COM 49456B101   1,500,600 53,006 SH   SOLE   53,006 0 0
LCI INDS COM 50189K103   463,049 4,971 SH   SOLE   4,971 0 0
LOCKHEED MARTIN CORP COM 539830109   297,529 596 SH   SOLE   596 0 0
LOWES COS INC COM 548661107   223,666 890 SH   SOLE   890 0 0
M & T BK CORP COM 55261F104   232,401 1,176 SH   SOLE   1,176 0 0
MCKESSON CORP COM 58155Q103   4,280,644 5,541 SH   SOLE   5,541 0 0
MEDTRONIC PLC SHS G5960L103   834,302 8,760 SH   SOLE   8,760 0 0
MERCADOLIBRE INC COM 58733R102   845,972 362 SH   SOLE   362 0 0
MERCK & CO INC COM 58933Y105   234,249 2,791 SH   SOLE   2,791 0 0
MEXICO FD INC COM 592835102   709,968 36,039 SH   SOLE   36,039 0 0
MICROSOFT CORP COM 594918104   1,103,751 2,131 SH   SOLE   2,131 0 0
NEW GERMANY FD INC COM 644465106   377,896 32,690 SH   SOLE   32,690 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103   1,023,700 5,177 SH   SOLE   5,177 0 0
NOKIA CORP SPONSORED ADR 654902204   58,466 12,155 SH   SOLE   12,155 0 0
NOVO-NORDISK A S ADR 670100205   300,478 5,415 SH   SOLE   5,415 0 0
OLD REP INTL CORP COM 680223104   1,860,611 43,810 SH   SOLE   43,810 0 0
OLIN CORP COM PAR $1 680665205   382,222 15,295 SH   SOLE   15,295 0 0
OMNICOM GROUP INC COM 681919106   707,680 8,680 SH   SOLE   8,680 0 0
ORACLE CORP COM 68389X105   2,159,642 7,679 SH   SOLE   7,679 0 0
PAYPAL HLDGS INC COM 70450Y103   687,969 10,259 SH   SOLE   10,259 0 0
PERRIGO CO PLC SHS G97822103   532,453 23,909 SH   SOLE   23,909 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   395,625 31,250 SH   SOLE   31,250 0 0
PHOTRONICS INC COM 719405102   599,225 26,110 SH   SOLE   26,110 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,704,400 16,927 SH   SOLE   16,927 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   1,716,687 31,686 SH   SOLE   31,686 0 0
POPULAR INC COM NEW 733174700   697,920 5,495 SH   SOLE   5,495 0 0
QORVO INC COM 74736K101   399,295 4,384 SH   SOLE   4,384 0 0
RESTAURANT BRANDS INTL INC COM 76131D103   1,214,940 18,942 SH   SOLE   18,942 0 0
RIO TINTO PLC SPONSORED ADR 767204100   283,843 4,300 SH   SOLE   4,300 0 0
RTX CORPORATION COM 75513E101   1,061,542 6,344 SH   SOLE   6,344 0 0
SALLY BEAUTY HLDGS INC COM 79546E104   234,432 14,400 SH   SOLE   14,400 0 0
SANOFI SA SPONSORED ADR 80105N105   529,820 11,225 SH   SOLE   11,225 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   441,141 8,189 SH   SOLE   8,189 0 0
SHELL PLC SPON ADS 780259305   820,592 11,472 SH   SOLE   11,472 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,776,702 2,667 SH   SOLE   2,667 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200   1,375,122 44,560 SH   SOLE   44,560 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   2,406,037 26,586 SH   SOLE   26,586 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821   229,983 2,511 SH   SOLE   2,511 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201   443,257 4,700 SH   SOLE   4,700 0 0
STARBUCKS CORP COM 855244109   234,765 2,775 SH   SOLE   2,775 0 0
TAIWAN FD INC COM 874036106   450,278 8,320 SH   SOLE   8,320 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   4,939,802 17,687 SH   SOLE   17,687 0 0
TC ENERGY CORP COM 87807B107   599,381 11,016 SH   SOLE   11,016 0 0
TELEFONICA S A SPONSORED ADR 879382208   79,726 15,694 SH   SOLE   15,694 0 0
THE CIGNA GROUP COM 125523100   407,009 1,412 SH   SOLE   1,412 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   1,721,963 21,538 SH   SOLE   21,538 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   1,369,169 22,938 SH   SOLE   22,938 0 0
TOYOTA MOTOR CORP ADS 892331307   1,032,841 5,405 SH   SOLE   5,405 0 0
TRAVELERS COMPANIES INC COM 89417E109   451,499 1,617 SH   SOLE   1,617 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102   918,070 2,190 SH   SOLE   2,190 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100   556,077 2,720 SH   SOLE   2,720 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,725,609 39,263 SH   SOLE   39,263 0 0
VISTRA CORP COM 92840M102   288,982 1,475 SH   SOLE   1,475 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   334,741 28,857 SH   SOLE   28,857 0 0
WINNEBAGO INDS INC COM 974637100   258,993 7,745 SH   SOLE   7,745 0 0
WP CAREY INC COM 92936U109   551,844 8,167 SH   SOLE   8,167 0 0