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
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 BBG000RYC984 258,738 4,004 SH   DFND 2,3 4,004 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG000K6MRN4 1,290,549 1,705 SH   DFND 2,3 1,705 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG000BZ0DK8 850,159 12,623 SH   DFND 2,3 12,623 0 0
BANCO SANTANDER S.A. ADR 05964H105 BBG000BTJS47 292,321 70,609 SH   DFND 2,3 70,609 0 0
BARCLAYS PLC ADR 06738E204 BBG000BCZ341 90,912 11,537 SH   DFND 2,3 11,537 0 0
BJS WHSL CLUB HLDGS INC COM 05550J101 BBG00FQ8T4G3 661,267 9,920 SH   DFND 2,3 9,920 0 0
BP PLC SPONSORED ADR 055622104 BBG000BT4FC2 466,183 13,169 SH   DFND 2,3 13,169 0 0
CIVITAS RESOURCES INC COM NEW 17888H103 BBG00GLNJ018 266,887 3,903 SH   DFND 2,3 3,903 0 0
DEUTSCHE BANK A G NAMEN AKT D18190898 BBG000BR1W32 177,207 13,078 SH   DFND 2,3 13,078 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 BBG000BWZQL7 271,219 1,862 SH   DFND 2,3 1,862 0 0
EMCOR GROUP INC COM 29084Q100 BBG000BBRPL4 200,781 932 SH   DFND 2,3 932 0 0
ENI S P A SPONSORED ADR 26874R108 BBG000BBPZZ9 213,719 6,284 SH   DFND 2,3 6,284 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG000BR3012 1,912,826 72,593 SH   DFND 2,3 72,593 0 0
FERRARI N V COM N3167Y103 BBG009PH3Q86 239,270 707 SH   DFND 2,3 707 0 0
FOSTER L B CO COM 350060109 BBG000D5LK23 363,825 16,545 SH   DFND 2,3 16,545 0 0
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 BBG011768M53 63,019 18,700 SH   DFND 2,3 18,700 0 0
GSK PLC SPONSORED ADR 37733W204 BBG000BLB481 285,844 7,713 SH   DFND 2,3 7,713 0 0
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308 BBG000BL6B45 223,448 7,229 SH   DFND 2,3 7,229 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 BBG000C1K7N0 585,317 14,438 SH   DFND 2,3 14,438 0 0
ING GROEP N.V. SPONSORED ADR 456837103 BBG000BM0LB9 297,201 19,787 SH   DFND 2,3 19,787 0 0
INOGEN INC COM 45780L104 BBG0021PH456 68,735 12,520 SH   DFND 2,3 12,520 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG000NDCRW7 266,587 12,240 SH   DFND 2,3 12,240 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG000BVZ4F5 1,773,918 3,714 SH   DFND 2,3 3,714 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG000D2KQ55 887,472 11,778 SH   DFND 2,3 11,778 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG000BWC7P0 1,623,822 5,859 SH   DFND 2,3 5,859 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG000CF9GL4 240,958 1,963 SH   DFND 2,3 1,963 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG000BJ2TL6 1,438,171 13,641 SH   DFND 2,3 13,641 0 0
ISHARES TR JPMORGAN USD EMG 464288281 BBG000NXKWH0 255,513 2,869 SH   DFND 2,3 2,869 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG000QN16D1 916,204 8,463 SH   DFND 2,3 8,463 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG000QN0RR1 648,315 5,535 SH   DFND 2,3 5,535 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG000GLBJK9 3,617,355 69,431 SH   DFND 2,3 69,431 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 BBG00H31MHY7 1,556,428 25,279 SH   DFND 2,3 25,279 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG000C3VPQ1 115,786 48,446 SH   DFND 2,3 48,446 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 BBG000Q85HQ2 192,919 56,081 SH   DFND 2,3 56,081 0 0
NATIONAL GRID PLC SPONSORED ADR NE 636274409 BBG000L4Y5K6 251,427 3,698 SH   DFND 2,3 3,698 0 0
NATWEST GROUP PLC SPONS ADR 639057207 BBG000GNNNC2 79,653 14,148 SH   DFND 2,3 14,148 0 0
NOKIA CORP SPONSORED ADR 654902204 BBG000BNGBW9 39,097 11,432 SH   DFND 2,3 11,432 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 BBG000BZPXB7 91,458 20,279 SH   DFND 2,3 20,279 0 0
NOVARTIS AG SPONSORED ADR 66987V109 BBG000LYF3S8 873,794 8,654 SH   DFND 2,3 8,654 0 0
NOVO-NORDISK A S ADR 670100205 BBG000BQBKR3 1,458,645 14,100 SH   DFND 2,3 14,100 0 0
POOL CORP COM 73278L105 BBG000BCVG28 245,207 615 SH   DFND 2,3 615 0 0
RELX PLC SPONSORED ADR 759530108 BBG000BVXCM1 344,130 8,677 SH   DFND 2,3 8,677 0 0
SANOFI SPONSORED ADR 80105N105 BBG000BBD5N1 387,894 7,800 SH   DFND 2,3 7,800 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG000BHVSG6 534,882 3,922 SH   DFND 2,3 3,922 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG000BJ1MF9 404,111 2,260 SH   DFND 2,3 2,260 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG000BJ2RF7 386,996 3,395 SH   DFND 2,3 3,395 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG000BJ7007 1,835,104 9,534 SH   DFND 2,3 9,534 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG000Q8T4C0 715,648 22,533 SH   DFND 2,3 22,533 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 BBG000PMKCQ6 319,488 33,005 SH   DFND 2,3 33,005 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 BBG000LF8708 190,233 13,331 SH   DFND 2,3 13,331 0 0
TELEFONICA S A SPONSORED ADR 879382208 BBG000BV2R33 80,090 20,536 SH   DFND 2,3 20,536 0 0
THOUGHTWORKS HOLDING INC COM 88546E105 BBG01282Z1Y3 90,601 18,836 SH   DFND 2,3 18,836 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 BBG000CHZ857 621,715 9,227 SH   DFND 2,3 9,227 0 0
TOYOTA MOTOR CORP ADS 892331307 BBG000BPH299 874,723 4,770 SH   DFND 2,3 4,770 0 0
UBS GROUP AG SHS H42097107 BBG007DJM539 454,415 14,706 SH   DFND 2,3 14,706 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG000BW1442 662,625 13,668 SH   DFND 2,3 13,668 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG000BF8YP3 208,073 8,208 SH   DFND 2,3 8,208 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG0015VYRL3 945,338 10,060 SH   DFND 2,3 10,060 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG000R45489 728,423 9,767 SH   DFND 2,3 9,767 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG0015VYNT4 1,596,941 3,656 SH   DFND 2,3 3,656 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG000HX76S7 852,160 3,663 SH   DFND 2,3 3,663 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG000HSZ812 3,514,833 16,112 SH   DFND 2,3 16,112 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG000HT3Z79 268,156 1,257 SH   DFND 2,3 1,257 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRW2 1,800,687 35,273 SH   DFND 2,3 35,273 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG0016LDM47 1,179,194 14,540 SH   DFND 2,3 14,540 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG0016NBC92 240,153 1,107 SH   DFND 2,3 1,107 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG000PX1043 370,324 7,988 SH   DFND 2,3 7,988 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG000QVFB47 2,724,648 56,882 SH   DFND 2,3 56,882 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG000QBYWJ8 241,121 2,160 SH   DFND 2,3 2,160 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG000V1FPR1 348,522 1,343 SH   DFND 2,3 1,343 0 0
ZSCALER INC COM 98980G102 BBG003338H34 221,117 998 SH   DFND 2,3 998 0 0