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
3M CO COM 88579Y101 366 3,315 SH   SOLE   3,315 0 0
ADVANCE AUTO PARTS INC COM 00751Y106 245 1,566 SH   SOLE   1,566 0 0
AMPHENOL CORP NEW CL A 032095101 335 5,001 SH   SOLE   5,001 0 0
APPLE INC COM 037833100 823 5,954 SH   SOLE   5,954 0 0
ARCH CAP GROUP LTD ORD G0450A105 387 8,490 SH   SOLE   8,490 0 0
AT&T INC COM 00206R102 167 10,899 SH   SOLE   10,899 0 0
BANK HAWAII CORP COM 062540109 261 3,432 SH   SOLE   3,432 0 0
BP PLC SPONSORED ADR 055622104 286 10,000 SH   SOLE   10,000 0 0
EMCOR GROUP INC COM 29084Q100 279 2,419 SH   SOLE   2,419 0 0
EXXON MOBIL CORP COM 30231G102 1,044 11,960 SH   SOLE   11,960 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 1,086 30,000 SH   SOLE   30,000 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 320 8,179 SH   SOLE   8,179 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,402 203,565 SH   SOLE   203,565 0 0
ISHARES TR CORE S&P500 ETF 464287200 650 1,814 SH   SOLE   1,814 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 367 2,228 SH   SOLE   2,228 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 618 7,604 SH   SOLE   7,604 0 0
ISHARES TR CORE MSCI EAFE 46432F842 391 7,430 SH   SOLE   7,430 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 723 5,604 SH   SOLE   5,604 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,881 111,278 SH   SOLE   111,278 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 784 5,764 SH   SOLE   5,764 0 0
ISHARES TR TRS FLT RT BD 46434V860 7,356 145,669 SH   SOLE   145,669 0 0
ISHARES TR MBS ETF 464288588 1,320 14,418 SH   SOLE   14,418 0 0
MCDONALDS CORP COM 580135101 512 2,220 SH   SOLE   2,220 0 0
META PLATFORMS INC CL A 30303M102 245 1,807 SH   SOLE   1,807 0 0
METHANEX CORP COM 59151K108 223 7,000 SH   SOLE   7,000 0 0
MICROSOFT CORP COM 594918104 986 4,232 SH   SOLE   4,232 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 512 60,000 SH   SOLE   60,000 0 0
OLD REP INTL CORP COM 680223104 1,067 51,000 SH   SOLE   51,000 0 0
PEPSICO INC COM 713448108 208 1,274 SH   SOLE   1,274 0 0
PFIZER INC COM 717081103 321 7,338 SH   SOLE   7,338 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 317 3,875 SH   SOLE   3,875 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 709 5,853 SH   SOLE   5,853 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,339 28,945 SH   SOLE   28,945 0 0
SPDR SER TR S&P BK ETF 78464A797 354 7,999 SH   SOLE   7,999 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 4,632 158,508 SH   SOLE   158,508 0 0
STEREOTAXIS INC COM NEW 85916J409 32 17,600 SH   SOLE   17,600 0 0
TESLA INC COM 88160R101 248 936 SH   SOLE   936 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,495 10,645 SH   SOLE   10,645 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,073 84,204 SH   SOLE   84,204 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,851 38,380 SH   SOLE   38,380 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 967 21,445 SH   SOLE   21,445 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 313 1,918 SH   SOLE   1,918 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 253 6,956 SH   SOLE   6,956 0 0
WATSCO INC COM 942622200 247 960 SH   SOLE   960 0 0
WELLS FARGO CO NEW COM 949746101 804 20,000 SH   SOLE   20,000 0 0
WEX INC COM 96208T104 235 1,850 SH   SOLE   1,850 0 0
YUM BRANDS INC COM 988498101 208 1,955 SH   SOLE   1,955 0 0