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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 599 3,373 SH   SOLE   3,373 0 0
BANK MONTREAL QUE COM 063671101 206 1,912 SH   SOLE   1,912 0 0
BANK NOVA SCOTIA B C COM 064149107 220 3,104 SH   SOLE   3,104 0 0
BCE INC COM NEW 05534B760 174 3,349 SH   SOLE   3,349 0 0
BK OF AMERICA CORP COM 060505104 680 15,289 SH   SOLE   15,289 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 228 3,766 SH   SOLE   3,766 0 0
CGI INC CL A SUB VTG 12532H104 209 2,362 SH   SOLE   2,362 0 0
COCA COLA CO COM 191216100 613 10,361 SH   SOLE   10,361 0 0
ENBRIDGE INC COM 29250N105 188 4,799 SH   SOLE   4,799 0 0
ETF SER SOLUTIONS VIDENT INTL EQ 26922A404 439 16,542 SH   SOLE   16,542 0 0
INVESCO EXCHANGE TRADED FD T INVESCO MSCI 46137V407 446 6,687 SH   SOLE   6,687 0 0
ISHARES INC MSCI EMERG MRKT 464286533 852,648 13,572,881 SH   SOLE   13,572,881 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 607,679 5,612,110 SH   SOLE   5,612,110 0 0
ISHARES INC MSCI CDA ETF 464286509 1,494 38,863 SH   SOLE   38,863 0 0
ISHARES INC CORE MSCI EMKT 46434G103 711 11,870 SH   SOLE   11,870 0 0
ISHARES TR CORE MSCI EAFE 46432F842 438,323 5,872,496 SH   SOLE   5,872,496 0 0
ISHARES TR CORE S&P TTL STK 464287150 12,223 114,253 SH   SOLE   114,253 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,776 34,316 SH   SOLE   34,316 0 0
ISHARES TR MSCI LW CRB TG 46434V464 855 4,915 SH   SOLE   4,915 0 0
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204 6 17,426 SH   SOLE   17,426 0 0
NOUVEAU MONDE GRAPHITE INC COM NEW 66979W842 74 10,600 SH   SOLE   10,600 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304 3,861 42,261 SH   SOLE   42,261 0 0
ROYAL BK CDA COM 780087102 1,035 9,743 SH   SOLE   9,743 0 0
SHOPIFY INC CL A 82509L107 1,357 985 SH   SOLE   985 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 379 799 SH   SOLE   799 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 2,355 55,882 SH   SOLE   55,882 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,297 16,901 SH   SOLE   16,901 0 0
UNILEVER PLC SPON ADR NEW 904767704 342 6,350 SH   SOLE   6,350 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 602 7,098 SH   SOLE   7,098 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,014,158 4,200,456 SH   SOLE   4,200,456 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 402 8,134 SH   SOLE   8,134 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 218 3,197 SH   SOLE   3,197 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 717 8,829 SH   SOLE   8,829 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 207 2,310 SH   SOLE   2,310 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 321 6,290 SH   SOLE   6,290 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 983 15,845 SH   SOLE   15,845 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 888 10,101 SH   SOLE   10,101 0 0