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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
BP PLC SPONSORED ADR 055622104 BBG000BT4FC2 316,188 8,166 SH   DFND 2,3 8,166 0 0
FOSTER L B CO COM 350060109 BBG000D5LK23 312,866 16,545 SH   DFND 2,3 16,545 0 0
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 BBG011768M53 46,717 13,197 SH   DFND 2,3 13,197 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 BBG000C1K7N0 309,524 7,844 SH   DFND 2,3 7,844 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG000BWC7P0 1,460,942 5,859 SH   DFND 2,3 5,859 0 0
ING GROEP N.V. SPONSORED ADR 456837103 BBG000BM0LB9 158,727 12,043 SH   DFND 2,3 12,043 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG0015VYRL3 850,372 10,060 SH   DFND 2,3 10,060 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG000BVZ4F5 1,594,903 3,714 SH   DFND 2,3 3,714 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG000CF9GL4 205,958 1,963 SH   DFND 2,3 1,963 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG000C3VPQ1 27,375 12,852 SH   DFND 2,3 12,852 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 BBG000Q85HQ2 93,279 27,195 SH   DFND 2,3 27,195 0 0
NOVO-NORDISK A S ADR 670100205 BBG000BQBKR3 766,079 8,424 SH   DFND 2,3 8,424 0 0
NOVARTIS AG SPONSORED ADR 66987V109 BBG000LYF3S8 478,131 4,694 SH   DFND 2,3 4,694 0 0
QUANTUM SI INC COM CL A 74765K105 BBG00X8RS963 19,575 11,792 SH   DFND 2,3 11,792 0 0
BANCO SANTANDER S.A. ADR 05964H105 BBG000BTJS47 150,392 39,998 SH   DFND 2,3 39,998 0 0
SOMALOGIC INC CLASS A COM 83444K105 BBG00Z4HKX05 24,440 10,226 SH   DFND 2,3 10,226 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG000NDCRW7 248,962 12,240 SH   DFND 2,3 12,240 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 BBG000PMKCQ6 163,835 16,633 SH   DFND 2,3 16,633 0 0
SANOFI SPONSORED ADR 80105N105 BBG000BBD5N1 255,380 4,761 SH   DFND 2,3 4,761 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG000BT7ZK6 212,535 2,579 SH   DFND 2,3 2,579 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG000BJ2TL6 1,403,113 13,641 SH   DFND 2,3 13,641 0 0
TOYOTA MOTOR CORP ADS 892331307 BBG000BPH299 488,740 2,719 SH   DFND 2,3 2,719 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 BBG000CHZ857 340,768 5,182 SH   DFND 2,3 5,182 0 0
UBS GROUP AG SHS H42097107 BBG007DJM539 223,230 9,056 SH   DFND 2,3 9,056 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG000QVFB47 2,486,881 56,882 SH   DFND 2,3 56,882 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG000HX76S7 762,783 3,663 SH   DFND 2,3 3,663 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG0016NBC92 215,489 1,107 SH   DFND 2,3 1,107 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG0015VYNT4 1,435,711 3,656 SH   DFND 2,3 3,656 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRW2 1,696,631 35,273 SH   DFND 2,3 35,273 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG0016LDM47 1,038,738 14,540 SH   DFND 2,3 14,540 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG000HSZ812 3,152,957 16,112 SH   DFND 2,3 16,112 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG000BJ2RF7 344,185 3,395 SH   DFND 2,3 3,395 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG000BJ7007 1,562,909 9,534 SH   DFND 2,3 9,534 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG000BHVSG6 504,918 3,922 SH   DFND 2,3 3,922 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG000BJ1MF9 363,815 2,260 SH   DFND 2,3 2,260 0 0