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 517 2,949 SH   SOLE   0 0 2,949
ABBOTT LABS COM 002824100 10,653 90,178 SH   SOLE   0 0 90,178
ABBVIE INC COM 00287Y109 8,908 82,580 SH   SOLE   0 0 82,580
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 350 1,095 SH   SOLE   0 0 1,095
ADOBE SYSTEMS INCORPORATED COM 00724F101 617 1,071 SH   SOLE   0 0 1,071
AIRBNB INC COM CL A 009066101 380 2,265 SH   SOLE   0 0 2,265
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 345 2,332 SH   SOLE   0 0 2,332
ALPHABET INC CAP STK CL A 02079K305 1,310 490 SH   SOLE   0 0 490
ALPHABET INC CAP STK CL C 02079K107 1,359 510 SH   SOLE   0 0 510
ALTRIA GROUP INC COM 02209S103 365 8,017 SH   SOLE   0 0 8,017
AMAZON COM INC COM 023135106 3,328 1,013 SH   SOLE   0 0 1,013
AMBEV SA SPONSORED ADR 02319V103 59 21,266 SH   SOLE   0 0 21,266
AMERICAN ELEC PWR CO INC COM 025537101 614 7,564 SH   SOLE   0 0 7,564
AMERICAN EXPRESS CO COM 025816109 284 1,695 SH   SOLE   0 0 1,695
AMERICAN TOWER CORP NEW COM 03027X100 251 947 SH   SOLE   0 0 947
ANTHEM INC COM 036752103 289 775 SH   SOLE   0 0 775
APPLE INC COM 037833100 6,621 46,794 SH   SOLE   0 0 46,794
APPLIED MATLS INC COM 038222105 222 1,727 SH   SOLE   0 0 1,727
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 158 20,077 SH   SOLE   0 0 20,077
ASML HOLDING N V N Y REGISTRY SHS N07059210 470 631 SH   SOLE   0 0 631
ASTRAZENECA PLC SPONSORED ADR 046353108 423 7,049 SH   SOLE   0 0 7,049
AT&T INC COM 00206R102 520 19,262 SH   SOLE   0 0 19,262
AUTOMATIC DATA PROCESSING IN COM 053015103 297 1,483 SH   SOLE   0 0 1,483
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 78 11,774 SH   SOLE   0 0 11,774
BANCO SANTANDER S.A. ADR 05964H105 61 16,966 SH   SOLE   0 0 16,966
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 236 8,067 SH   SOLE   0 0 8,067
BATH & BODY WORKS INC COM 070830104 1,317 20,887 SH   SOLE   0 0 20,887
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,516 16,546 SH   SOLE   0 0 16,546
BK OF AMERICA CORP COM 060505104 533 12,558 SH   SOLE   0 0 12,558
BOEING CO COM 097023105 375 1,707 SH   SOLE   0 0 1,707
BOOKING HOLDINGS INC COM 09857L108 211 89 SH   SOLE   0 0 89
BRISTOL-MYERS SQUIBB CO COM 110122108 307 5,185 SH   SOLE   0 0 5,185
BROADCOM INC COM 11135F101 293 605 SH   SOLE   0 0 605
CANADIAN NATL RY CO COM 136375102 259 2,242 SH   SOLE   0 0 2,242
CARDINAL HEALTH INC COM 14149Y108 266 5,383 SH   SOLE   0 0 5,383
CATERPILLAR INC COM 149123101 253 1,320 SH   SOLE   0 0 1,320
CHEVRON CORP NEW COM 166764100 453 4,467 SH   SOLE   0 0 4,467
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502 234 5,947 SH   SOLE   0 0 5,947
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 31 12,397 SH   SOLE   0 0 12,397
CIGNA CORP NEW COM 125523100 336 1,676 SH   SOLE   0 0 1,676
CINCINNATI FINL CORP COM 172062101 2,190 19,175 SH   SOLE   0 0 19,175
CISCO SYS INC COM 17275R102 795 14,613 SH   SOLE   0 0 14,613
COCA COLA CO COM 191216100 2,894 55,159 SH   SOLE   0 0 55,159
COMCAST CORP NEW CL A 20030N101 623 11,145 SH   SOLE   0 0 11,145
CONOCOPHILLIPS COM 20825C104 561 8,285 SH   SOLE   0 0 8,285
CORNING INC COM 219350105 230 6,296 SH   SOLE   0 0 6,296
COSTCO WHSL CORP NEW COM 22160K105 446 994 SH   SOLE   0 0 994
CVS HEALTH CORP COM 126650100 237 2,788 SH   SOLE   0 0 2,788
DANAHER CORPORATION COM 235851102 390 1,281 SH   SOLE   0 0 1,281
DEERE & CO COM 244199105 1,945 5,806 SH   SOLE   0 0 5,806
DIAGEO PLC SPON ADR NEW 25243Q205 227 1,176 SH   SOLE   0 0 1,176
DISNEY WALT CO COM 254687106 1,054 6,228 SH   SOLE   0 0 6,228
DOCUSIGN INC COM 256163106 292 1,135 SH   SOLE   0 0 1,135
DOLLAR GEN CORP NEW COM 256677105 233 1,099 SH   SOLE   0 0 1,099
DOMINION ENERGY INC COM 25746U109 235 3,224 SH   SOLE   0 0 3,224
DUKE ENERGY CORP NEW COM NEW 26441C204 188 1,923 SH   SOLE   0 0 1,923
EATON CORP PLC SHS G29183103 856 5,734 SH   SOLE   0 0 5,734
EMERSON ELEC CO COM 291011104 343 3,644 SH   SOLE   0 0 3,644
EQUINIX INC COM 29444U700 218 276 SH   SOLE   0 0 276
EXXON MOBIL CORP COM 30231G102 670 11,383 SH   SOLE   0 0 11,383
FACEBOOK INC CL A 30303M102 1,623 4,781 SH   SOLE   0 0 4,781
GENERAL ELECTRIC CO COM NEW 369604301 206 2,001 SH   SOLE   0 0 2,001
GERDAU SA SPON ADR REP PFD 373737105 61 12,444 SH   SOLE   0 0 12,444
GREIF INC CL A 397624107 892 13,801 SH   SOLE   0 0 13,801
HOME DEPOT INC COM 437076102 894 2,724 SH   SOLE   0 0 2,724
HONEYWELL INTL INC COM 438516106 210 991 SH   SOLE   0 0 991
HUNTINGTON BANCSHARES INC COM 446150104 459 29,692 SH   SOLE   0 0 29,692
INFOSYS LTD SPONSORED ADR 456788108 323 14,511 SH   SOLE   0 0 14,511
INTEL CORP COM 458140100 470 8,814 SH   SOLE   0 0 8,814
INTERNATIONAL BUSINESS MACHS COM 459200101 329 2,371 SH   SOLE   0 0 2,371
INTUIT COM 461202103 278 515 SH   SOLE   0 0 515
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 536 11,440 SH   SOLE   0 0 11,440
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 371 8,753 SH   SOLE   0 0 8,753
INVESCO EXCHANGE TRADED FD T DWA BASIC MATL 46137V704 222 2,618 SH   SOLE   0 0 2,618
INVESCO QQQ TR UNIT SER 1 46090E103 401 1,119 SH   SOLE   0 0 1,119
ISHARES GOLD TR ISHARES NEW 464285204 392 11,733 SH   SOLE   0 0 11,733
ISHARES INC MSCI GBL MIN VOL 464286525 507 4,937 SH   SOLE   0 0 4,937
ISHARES INC MSCI EMERG MRKT 464286533 310 4,944 SH   SOLE   0 0 4,944
ISHARES INC CORE MSCI EMKT 46434G103 3,966 64,213 SH   SOLE   0 0 64,213
ISHARES INC ESG AWR MSCI EM 46434G863 210 5,058 SH   SOLE   0 0 5,058
ISHARES TR CORE S&P MCP ETF 464287507 20,693 78,659 SH   SOLE   0 0 78,659
ISHARES TR CORE S&P500 ETF 464287200 23,548 54,658 SH   SOLE   0 0 54,658
ISHARES TR RUS 1000 VAL ETF 464287598 288 1,840 SH   SOLE   0 0 1,840
ISHARES TR RUS 1000 GRW ETF 464287614 208 760 SH   SOLE   0 0 760
ISHARES TR RUSSELL 2000 ETF 464287655 157 717 SH   SOLE   0 0 717
ISHARES TR RUS 2000 VAL ETF 464287630 1,071 6,684 SH   SOLE   0 0 6,684
ISHARES TR RUS MD CP GR ETF 464287481 233 2,078 SH   SOLE   0 0 2,078
ISHARES TR MSCI EMG MKT ETF 464287234 161 3,201 SH   SOLE   0 0 3,201
ISHARES TR CORE US AGGBD ET 464287226 22,570 196,554 SH   SOLE   0 0 196,554
ISHARES TR SELECT DIVID ETF 464287168 219 1,905 SH   SOLE   0 0 1,905
ISHARES TR ISHS 1-5YR INVS 464288646 12,302 225,154 SH   SOLE   0 0 225,154
ISHARES TR NATIONAL MUN ETF 464288414 3,741 32,199 SH   SOLE   0 0 32,199
ISHARES TR MSCI ACWI ETF 464288257 221 2,209 SH   SOLE   0 0 2,209
ISHARES TR SHRT NAT MUN ETF 464288158 4,707 43,755 SH   SOLE   0 0 43,755
ISHARES TR CORE HIGH DV ETF 46429B663 260 2,758 SH   SOLE   0 0 2,758
ISHARES TR MSCI USA MIN VOL 46429B697 672 9,140 SH   SOLE   0 0 9,140
ISHARES TR MSCI EAFE MIN VL 46429B689 735 9,760 SH   SOLE   0 0 9,760
ISHARES TR CORE MSCI EAFE 46432F842 7,060 95,083 SH   SOLE   0 0 95,083
ISHARES TR CORE 1 5 YR USD 46432F859 1,377 26,962 SH   SOLE   0 0 26,962
ISHARES TR GLOBAL REIT ETF 46434V647 11,238 409,993 SH   SOLE   0 0 409,993
ISHARES TR ESG AW MSCI EAFE 46435G516 386 4,929 SH   SOLE   0 0 4,929
ISHARES TR ESG AWR MSCI USA 46435G425 218 2,218 SH   SOLE   0 0 2,218
ISHARES TR ESG AWRE 1 5 YR 46435G243 358 13,779 SH   SOLE   0 0 13,779
JOHNSON & JOHNSON COM 478160104 1,408 8,716 SH   SOLE   0 0 8,716
JPMORGAN CHASE & CO COM 46625H100 4,244 25,924 SH   SOLE   0 0 25,924
KB FINL GROUP INC SPONSORED ADR 48241A105 262 5,653 SH   SOLE   0 0 5,653
KIMBERLY-CLARK CORP COM 494368103 232 1,754 SH   SOLE   0 0 1,754
KROGER CO COM 501044101 197 4,861 SH   SOLE   0 0 4,861
LG DISPLAY CO LTD SPONS ADR REP 50186V102 84 10,599 SH   SOLE   0 0 10,599
LILLY ELI & CO COM 532457108 591 2,560 SH   SOLE   0 0 2,560
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 29 11,935 SH   SOLE   0 0 11,935
LOCKHEED MARTIN CORP COM 539830109 312 904 SH   SOLE   0 0 904
LOWES COS INC COM 548661107 518 2,556 SH   SOLE   0 0 2,556
MANHATTAN BRDG CAP INC COM 562803106 223 32,852 SH   SOLE   0 0 32,852
MASTERCARD INCORPORATED CL A 57636Q104 555 1,595 SH   SOLE   0 0 1,595
MCDONALDS CORP COM 580135101 498 2,067 SH   SOLE   0 0 2,067
MEDPACE HLDGS INC COM 58506Q109 522 2,758 SH   SOLE   0 0 2,758
MEDTRONIC PLC SHS G5960L103 267 2,134 SH   SOLE   0 0 2,134
MERCK & CO INC COM 58933Y105 358 4,770 SH   SOLE   0 0 4,770
MICROSOFT CORP COM 594918104 4,164 14,771 SH   SOLE   0 0 14,771
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 61 21,305 SH   SOLE   0 0 21,305
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 86 14,096 SH   SOLE   0 0 14,096
NETFLIX INC COM 64110L106 384 629 SH   SOLE   0 0 629
NEXTERA ENERGY INC COM 65339F101 855 10,888 SH   SOLE   0 0 10,888
NIKE INC CL B 654106103 258 1,778 SH   SOLE   0 0 1,778
NIO INC SPON ADS 62914V106 2,670 74,948 SH   SOLE   0 0 74,948
NISOURCE INC COM 65473P105 358 14,782 SH   SOLE   0 0 14,782
NOMURA HLDGS INC SPONSORED ADR 65535H208 68 13,821 SH   SOLE   0 0 13,821
NORTHROP GRUMMAN CORP COM 666807102 209 580 SH   SOLE   0 0 580
NOVARTIS AG SPONSORED ADR 66987V109 239 2,919 SH   SOLE   0 0 2,919
NOVO-NORDISK A S ADR 670100205 249 2,589 SH   SOLE   0 0 2,589
NVIDIA CORPORATION COM 67066G104 830 4,004 SH   SOLE   0 0 4,004
ORACLE CORP COM 68389X105 691 7,936 SH   SOLE   0 0 7,936
PAYPAL HLDGS INC COM 70450Y103 558 2,143 SH   SOLE   0 0 2,143
PEPSICO INC COM 713448108 736 4,894 SH   SOLE   0 0 4,894
PFIZER INC COM 717081103 800 18,592 SH   SOLE   0 0 18,592
PHILIP MORRIS INTL INC COM 718172109 193 2,034 SH   SOLE   0 0 2,034
PHILLIPS 66 COM 718546104 227 3,246 SH   SOLE   0 0 3,246
PROCTER AND GAMBLE CO COM 742718109 3,332 23,837 SH   SOLE   0 0 23,837
PROLOGIS INC. COM 74340W103 292 2,331 SH   SOLE   0 0 2,331
QUALCOMM INC COM 747525103 282 2,190 SH   SOLE   0 0 2,190
RAYTHEON TECHNOLOGIES CORP COM 75513E101 228 2,654 SH   SOLE   0 0 2,654
ROYAL BK CDA COM 780087102 214 2,156 SH   SOLE   0 0 2,156
SALESFORCE COM INC COM 79466L302 550 2,027 SH   SOLE   0 0 2,027
SAP SE SPON ADR 803054204 258 1,910 SH   SOLE   0 0 1,910
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 259 2,498 SH   SOLE   0 0 2,498
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 25 SH   SOLE   0 0 25
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 75 751 SH   SOLE   0 0 751
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 251 3,384 SH   SOLE   0 0 3,384
SERVICENOW INC COM 81762P102 229 368 SH   SOLE   0 0 368
SHERWIN WILLIAMS CO COM 824348106 446 1,594 SH   SOLE   0 0 1,594
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100 254 7,540 SH   SOLE   0 0 7,540
SHOPIFY INC CL A 82509L107 416 307 SH   SOLE   0 0 307
SNAP INC CL A 83304A106 212 2,870 SH   SOLE   0 0 2,870
SONY GROUP CORPORATION SPONSORED ADR 835699307 232 2,099 SH   SOLE   0 0 2,099
SPDR GOLD TR GOLD SHS 78463V107 893 5,439 SH   SOLE   0 0 5,439
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 416 8,152 SH   SOLE   0 0 8,152
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,089 2,538 SH   SOLE   0 0 2,538
SPDR SER TR S&P DIVID ETF 78464A763 2,530 21,520 SH   SOLE   0 0 21,520
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 3,839 84,274 SH   SOLE   0 0 84,274
STARBUCKS CORP COM 855244109 479 4,344 SH   SOLE   0 0 4,344
STRYKER CORPORATION COM 863667101 249 944 SH   SOLE   0 0 944
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 151 21,528 SH   SOLE   0 0 21,528
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 966 8,649 SH   SOLE   0 0 8,649
TARGET CORP COM 87612E106 733 3,206 SH   SOLE   0 0 3,206
TATA MTRS LTD SPONSORED ADR 876568502 207 9,259 SH   SOLE   0 0 9,259
TESLA INC COM 88160R101 994 1,282 SH   SOLE   0 0 1,282
TEXAS INSTRS INC COM 882508104 408 2,123 SH   SOLE   0 0 2,123
THERMO FISHER SCIENTIFIC INC COM 883556102 355 621 SH   SOLE   0 0 621
TJX COS INC NEW COM 872540109 208 3,156 SH   SOLE   0 0 3,156
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 288 1,623 SH   SOLE   0 0 1,623
UBS GROUP AG SHS H42097107 165 10,339 SH   SOLE   0 0 10,339
UNILEVER PLC SPON ADR NEW 904767704 334 6,167 SH   SOLE   0 0 6,167
UNION PAC CORP COM 907818108 398 2,031 SH   SOLE   0 0 2,031
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 245 21,396 SH   SOLE   0 0 21,396
UNITED PARCEL SERVICE INC CL B 911312106 6,279 34,484 SH   SOLE   0 0 34,484
UNITEDHEALTH GROUP INC COM 91324P102 1,169 2,991 SH   SOLE   0 0 2,991
US BANCORP DEL COM NEW 902973304 424 7,136 SH   SOLE   0 0 7,136
VANECK MERK GOLD TR GOLD TRUST 921078101 2,867 167,779 SH   SOLE   0 0 167,779
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,786 143,840 SH   SOLE   0 0 143,840
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,467 52,277 SH   SOLE   0 0 52,277
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 16,203 284,468 SH   SOLE   0 0 284,468
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,956 17,816 SH   SOLE   0 0 17,816
VANGUARD INDEX FDS VALUE ETF 922908744 221 1,630 SH   SOLE   0 0 1,630
VANGUARD INDEX FDS MID CAP ETF 922908629 4,945 20,886 SH   SOLE   0 0 20,886
VANGUARD INDEX FDS SM CP VAL ETF 922908611 30,583 180,685 SH   SOLE   0 0 180,685
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,772 37,065 SH   SOLE   0 0 37,065
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,771 21,820 SH   SOLE   0 0 21,820
VANGUARD INDEX FDS GROWTH ETF 922908736 287 989 SH   SOLE   0 0 989
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 949 2,406 SH   SOLE   0 0 2,406
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,768 395,287 SH   SOLE   0 0 395,287
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,632 59,576 SH   SOLE   0 0 59,576
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,892 29,115 SH   SOLE   0 0 29,115
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,536 24,907 SH   SOLE   0 0 24,907
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 608 11,101 SH   SOLE   0 0 11,101
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 680 7,203 SH   SOLE   0 0 7,203
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,511 179,109 SH   SOLE   0 0 179,109
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 37,974 752,109 SH   SOLE   0 0 752,109
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 686 6,634 SH   SOLE   0 0 6,634
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,722 54,128 SH   SOLE   0 0 54,128
VANGUARD WORLD FDS ENERGY ETF 92204A306 303 4,096 SH   SOLE   0 0 4,096
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 284 1,148 SH   SOLE   0 0 1,148
VANGUARD WORLD FDS INF TECH ETF 92204A702 415 1,035 SH   SOLE   0 0 1,035
VERIZON COMMUNICATIONS INC COM 92343V104 713 13,205 SH   SOLE   0 0 13,205
VICTORIAS SECRET AND CO COMMON STOCK 926400102 339 6,131 SH   SOLE   0 0 6,131
VISA INC COM CL A 92826C839 785 3,526 SH   SOLE   0 0 3,526
WALMART INC COM 931142103 430 3,084 SH   SOLE   0 0 3,084
WENDYS CO COM 95058W100 187 8,627 SH   SOLE   0 0 8,627
WIPRO LTD SPON ADR 1 SH 97651M109 216 24,451 SH   SOLE   0 0 24,451
WORLD GOLD TR SPDR GLD MINIS 98149E204 133 7,608 SH   SOLE   0 0 7,608
WORTHINGTON INDS INC COM 981811102 681 12,919 SH   SOLE   0 0 12,919