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
3M COMPANY (USA) COM 000666038   20,560 140 SH   SOLE   140 0 0
ABBOTT LABS (USA) COM 000001388   27,193 205 SH   SOLE   205 0 0
ACASTI PHARMA INC COM 004390104   5 2 SH   SOLE   2 0 0
ACCENTURE (IRELAND) COM G1151C101   1,302,143 4,173 SH   SOLE   4,173 0 0
AFLAC INC COM 001055102   3,336 30 SH   SOLE   30 0 0
AIRBUS SE UNSPONS ADR (FRA) COM 009279100   1,523,398 34,552 SH   SOLE   34,552 0 0
ALIBABA GROUP HOLDING ADR COM 01609W102   2,645 20 SH   SOLE   20 0 0
ALPHABET INC CL-A (USA) COM 02079K305   2,111,145 13,652 SH   SOLE   13,652 0 0
AMAZON COM INC (USA) COM 000018888   2,431,142 12,778 SH   SOLE   12,778 0 0
AMERICA MOVIL S.A.B. DE C COM 02390A101   25,596 1,800 SH   SOLE   1,800 0 0
AMERICAN TOWER CORP (USA) COM 000019691   1,478,157 6,793 SH   SOLE   6,793 0 0
API GROUP CORP COM 00187Y100   15,019 420 SH   SOLE   420 0 0
APPLE INC (USA) COM 037833100   5,471,062 24,630 SH   SOLE   24,630 0 0
AT & T INC (USA) COM 00206R102   34,247 1,211 SH   SOLE   1,211 0 0
BANCO SANTAN CEN HISP-ADR (ESP) COM 05964H105   1,449,893 216,402 SH   SOLE   216,402 0 0
BANK OF AMERICA (USA) COM 060505104   1,420,364 34,037 SH   SOLE   34,037 0 0
BERKSHIRE HATHAWAY-B-NEW (USA) COM 084670702   2,567,568 4,821 SH   SOLE   4,821 0 0
BHP BILLITON LTD S/ADR (AUS) COM 088606108   909,009 18,727 SH   SOLE   18,727 0 0
BLOOM ENERGY CORP CL A COM 093712107   8,847 450 SH   SOLE   450 0 0
BLUESTAR ISRAEL TECHNOLOG COM 032108599   63,484 1,300 SH   SOLE   1,300 0 0
BOEING COMPANY (USA) COM 097023105   19,613 115 SH   SOLE   115 0 0
BRITISH PETE ADR - PLC (GBR) COM 055622104   726,722 21,507 SH   SOLE   21,507 0 0
BROADCOM LTD (USA) COM 11135F101   1,405,575 8,395 SH   SOLE   8,395 0 0
CARRIER GLOBAL CORPORATIO COM 14448C104   19,654 310 SH   SOLE   310 0 0
CHEVRON CORP (USA) COM 166764100   100,374 600 SH   SOLE   600 0 0
CHUBB LTD COM H1467J104   3,020 10 SH   SOLE   10 0 0
CISCO SYSTEMS INC (USA) COM 000161645   1,769,164 28,669 SH   SOLE   28,669 0 0
CME GROUP INC COM 12572Q105   6,632 25 SH   SOLE   25 0 0
CONSTELLATION ENERGY CORP COM 21037T109   33,471 166 SH   SOLE   166 0 0
CRISPR THERAPEUTICS AG COM H17182108   3,403 100 SH   SOLE   100 0 0
CUMMINS INC COM 231021106   1,567 5 SH   SOLE   5 0 0
DANAHER CORP COM 235851102   22,960 112 SH   SOLE   112 0 0
DIAGEO PLC SP/ADR (GBR) COM 25243Q205   578,546 5,521 SH   SOLE   5,521 0 0
DOVER CORP COM 260003108   1,757 10 SH   SOLE   10 0 0
EDITAS MEDICINE COM 28106W103   232 200 SH   SOLE   200 0 0
ELEVANCE HEALTH INC COM 036752103   2,175 5 SH   SOLE   5 0 0
EMBECTA CORP COM 29082K105   893 70 SH   SOLE   70 0 0
ETF - DVYE EMERGING DIV (USA) COM 464286319   591,374 21,670 SH   SOLE   21,670 0 0
ETF - EMXC EMRG MKTS EX CHINA ISHARE (USA) COM 46434G764   7,338,374 133,207 SH   SOLE   133,207 0 0
ETF - HDV US DIVIDEND75 (USA) COM 46429B663   1,810,138 14,945 SH   SOLE   14,945 0 0
ETF - IBB US BIOTECH (USA) COM 464287556   1,665,642 13,023 SH   SOLE   13,023 0 0
ETF - IVOO VANGUARD S&P MIDCAP 400 ETF (USA) COM 921932885   6,979,571 70,715 SH   SOLE   70,715 0 0
ETF - IWM US RUSSELL2000 (USA) COM 464287655   9,020,738 45,219 SH   SOLE   45,219 0 0
ETF - QQQ INVESCO TRUST (USA) COM 46090E103   13,919,421 29,684 SH   SOLE   29,684 0 0
ETF - SHORT TREASURY BOND ISHAR (USA) COM 464288679   463,932 4,200 SH   SOLE   4,200 0 0
ETF - SPY US S&P500 (USA) COM 78462F103   22,250,297 39,776 SH   SOLE   39,776 0 0
ETF - VEA DEV MKT (USA) COM 921943858   16,612,921 326,833 SH   SOLE   326,833 0 0
ETF - VSS WORLD SMALL (USA) COM 922042718   187,272 1,620 SH   SOLE   1,620 0 0
ETF - VWO EMERGING MKTS (USA) COM 922042858   11,911,663 263,183 SH   SOLE   263,183 0 0
ETF DMXF - ISHRS ESG EAFE-xFF (Int'l) COM 46436E759   96,902 1,439 SH   SOLE   1,439 0 0
ETF EMXF - ISHRS ESG EM-xFF (Emg Mkts) COM 46436E742   84,472 2,209 SH   SOLE   2,209 0 0
ETF USXF - ISHRS ESG US-xFF COM 46436E767   105,008 2,250 SH   SOLE   2,250 0 0
ETF-RSP INVESCO SP500 EQ WGT ETF (USA) COM 46137V357   15,369,832 88,725 SH   SOLE   88,725 0 0
EXXON MOBIL CORP (USA) COM 000255969   2,831,961 23,812 SH   SOLE   23,812 0 0
FIVERR INTERNATIONAL LTD COM 0M4R8T106   47 2 SH   SOLE   2 0 0
GE AEROSPACE COM 369604301   1,038,578 5,189 SH   SOLE   5,189 0 0
HOME DEPOT INC (USA) COM 437076102   2,543,441 6,940 SH   SOLE   6,940 0 0
HONEYTREE U.S. EQUITY ETF COM 02072L326   3,040 100 SH   SOLE   100 0 0
HONEYWELL INTL INC (USA) COM 000324716   134,038 633 SH   SOLE   633 0 0
HSBC HOLDINGS PLC-SP ADR (GBR) COM 404280406   2,112,505 36,784 SH   SOLE   36,784 0 0
INTEL CORP (USA) COM 458140100   103,671 4,565 SH   SOLE   4,565 0 0
INTERM CORP BOND VANGUARD COM 92206C870   17,578 215 SH   SOLE   215 0 0
INVESCO MSCI SUSTAINABLE COM 46137V407   388 10 SH   SOLE   10 0 0
ISHARES 0-3 MONTH TREASUR COM 46436E718   201,350 2,000 SH   SOLE   2,000 0 0
ISHARES CORE MSCI EAFE COM 46432F842   1,135 15 SH   SOLE   15 0 0
J.P. MORGAN CHASE AND CO (USA) COM 46625H100   4,426,684 18,046 SH   SOLE   18,046 0 0
JOHNSON & JOHNSON (USA) COM 478160104   2,244,976 13,537 SH   SOLE   13,537 0 0
JUMIA TECHNOLOGIES AG ADR COM 48138M105   5,268 2,450 SH   SOLE   2,450 0 0
KYNDRYL HLDGS INC (USA) COM 50155Q100   1,821 58 SH   SOLE   58 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   3,140 15 SH   SOLE   15 0 0
LUCID GROUP INC COM 549498103   48 20 SH   SOLE   20 0 0
LULULEMON ATHLETICA INC (USA) COM 000405723   2,831 10 SH   SOLE   10 0 0
LVMH MOET HENNESSY LO-ADR (FRA) COM 000377807   948,473 7,657 SH   SOLE   7,657 0 0
LYONDELLBASELL INDUSTRIES (USA) COM N53745100   1,102,675 15,663 SH   SOLE   15,663 0 0
MASTERCARD INC COM 57636A104   54,812 100 SH   SOLE   100 0 0
MCDONALD'S CORP (USA) COM 000430579   1,564,661 5,009 SH   SOLE   5,009 0 0
MERCK CO INC-NEW (USA) COM 000435499   1,633,991 18,204 SH   SOLE   18,204 0 0
META PLATFORMS (USA) COM 30303M102   1,898,530 3,294 SH   SOLE   3,294 0 0
MICROSOFT CORP (USA) COM 594918104   6,677,062 17,787 SH   SOLE   17,787 0 0
NESTLE S.A. SP/ADR-FOR REG (CHE) COM 641069406   1,875,591 18,539 SH   SOLE   18,539 0 0
NEXTERA ENERGY INC (USA) COM 65339F101   1,268,718 17,897 SH   SOLE   17,897 0 0
NIKE INC CL-B (USA) COM 654106103   15,553 245 SH   SOLE   245 0 0
NOVARTIS ADR (CHE) COM 000505376   3,360,230 30,142 SH   SOLE   30,142 0 0
NOVO-NORDISK A/S-ADR (DNK) COM 670100205   1,293,320 18,625 SH   SOLE   18,625 0 0
NU HOLDINGS LTD CL A COM G6683N103   10,240 1,000 SH   SOLE   1,000 0 0
OTIS WORLDWIDE CORP COM 68902V107   9,185 89 SH   SOLE   89 0 0
PAYPAL HOLDINGS INC COM 70450Y103   131 2 SH   SOLE   2 0 0
PEPSI CO (USA) COM 000538579   2,549,280 17,002 SH   SOLE   17,002 0 0
PFIZER INC (USA) COM 717081103   304,840 12,030 SH   SOLE   12,030 0 0
PLAYA HOTELS & RESORTS N. COM N70544106   5,332 400 SH   SOLE   400 0 0
PROCTER & GAMBLE CO (USA) COM 742718109   1,799,465 10,559 SH   SOLE   10,559 0 0
PROLOGIS INC (USA) COM 74340W103   689,297 6,166 SH   SOLE   6,166 0 0
PROSHS ULTRA SHORT QQQ COM 74347G192   23,004 600 SH   SOLE   600 0 0
PRUDENTIAL FINANCIAL INC COM 744320102   1,273,822 11,406 SH   SOLE   11,406 0 0
RAYTHEON TECHNOLOGIES COR COM 75513E101   40,400 305 SH   SOLE   305 0 0
REPLIGEN CP COM 759916109   3,181 25 SH   SOLE   25 0 0
RIO TINTO PLC SP/ADR (GBR) COM 767204100   687,736 11,447 SH   SOLE   11,447 0 0
RIVIAN AUTOMOTIVE INC CL COM 76954A103   5,105 410 SH   SOLE   410 0 0
S&P 500 BULL 3X DIREXION (USA) COM 25459W862   182,507 1,300 SH   SOLE   1,300 0 0
SALESFORCE INC (USA) COM 79466L302   1,181,321 4,402 SH   SOLE   4,402 0 0
SILVER NCI-RBC TROY OZ COM 000754694   10,344 300 SH   SOLE   300 0 0
SNDL INC COM 83307B101   157 111 SH   SOLE   111 0 0
SOLVENTUM CORPORATION COM 83444M101   2,661 35 SH   SOLE   35 0 0
SONY CORPORATION ADR (JPN) COM 835699307   1,375,656 54,181 SH   SOLE   54,181 0 0
SPOTIFY TECHNOLOGY S.A. COM 0L8681T02   803,594 1,461 SH   SOLE   1,461 0 0
TELADOC HEALTH INC COM 87918A105   3,566 448 SH   SOLE   448 0 0
TJX COMPANIES COM 872540109   9,744 80 SH   SOLE   80 0 0
TMC THE METALS COMPANY COM 87261Y106   2,752 1,600 SH   SOLE   1,600 0 0
TOTAL S.A. SP ADR (FRA) COM 000673786   51,752 800 SH   SOLE   800 0 0
TOYOTA MOTOR CO LTD ADR (JPN) COM 892331307   1,985,433 11,247 SH   SOLE   11,247 0 0
TRANE TECHNOLOGIES PLC COM G8994E103   418,792 1,243 SH   SOLE   1,243 0 0
UBER (USA) COM 90353T100   917,745 12,596 SH   SOLE   12,596 0 0
ULTRAPRO SHORT S&P500 -3X COM 74349Y845   30,678 1,200 SH   SOLE   1,200 0 0
UNILEVER PLC ADS-EA REPR (GBR) COM 904767704   871,693 14,638 SH   SOLE   14,638 0 0
UNION PACIFIC CORP (USA) COM 907818108   976,852 4,135 SH   SOLE   4,135 0 0
UNITED HEALTH GROUP INC (USA) COM 000696401   1,254,381 2,395 SH   SOLE   2,395 0 0
UNITY SOFTWARE INC COM 913320101   6,367 325 SH   SOLE   325 0 0
VEOLIA ENVIRONNEMENT-ADR (FRA) COM 92334N103   772,800 44,852 SH   SOLE   44,852 0 0
VISA INC CLASS-A (USA) COM 000711636   2,314,788 6,605 SH   SOLE   6,605 0 0
VODAFONE GP PLC S/ADR (GBR) COM 000711748   1,499 160 SH   SOLE   160 0 0
WALMART STORES INC (USA) COM 000714160   2,257,871 25,719 SH   SOLE   25,719 0 0
WELLS FARGO CO (USA) COM 949746101   370,795 5,165 SH   SOLE   5,165 0 0
X4 PHARMACEUTICALS INC COM 98420X103   236 1,000 SH   SOLE   1,000 0 0
ZOETIS INC CL A COM 98978V103   11,526 70 SH   SOLE   70 0 0