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 411 3,179 SH   SOLE   0 0 3,179
ABBOTT LABS COM 002824100 13,860 127,563 SH   SOLE   0 0 127,563
ABBVIE INC COM 00287Y109 18,911 123,473 SH   SOLE   0 0 123,473
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 433 1,561 SH   SOLE   0 0 1,561
ADOBE SYSTEMS INCORPORATED COM 00724F101 780 2,130 SH   SOLE   0 0 2,130
ADVANCED DRAIN SYS INC DEL COM 00790R104 2,305 25,595 SH   SOLE   0 0 25,595
ADVANCED MICRO DEVICES INC COM 007903107 213 2,785 SH   SOLE   0 0 2,785
AGILON HEALTH INC COM 00857U107 770 35,253 SH   SOLE   0 0 35,253
AIRBNB INC COM CL A 009066101 202 2,269 SH   SOLE   0 0 2,269
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 461 4,055 SH   SOLE   0 0 4,055
ALPHABET INC CAP STK CL A 02079K305 1,992 914 SH   SOLE   0 0 914
ALPHABET INC CAP STK CL C 02079K107 2,015 921 SH   SOLE   0 0 921
ALTRIA GROUP INC COM 02209S103 328 7,854 SH   SOLE   0 0 7,854
AMAZON COM INC COM 023135106 2,409 22,683 SH   SOLE   0 0 22,683
AMBEV SA SPONSORED ADR 02319V103 31 12,165 SH   SOLE   0 0 12,165
AMERICAN ELEC PWR CO INC COM 025537101 725 7,553 SH   SOLE   0 0 7,553
AMERICAN EXPRESS CO COM 025816109 278 2,008 SH   SOLE   0 0 2,008
AMERICAN TOWER CORP NEW COM 03027X100 334 1,307 SH   SOLE   0 0 1,307
AMGEN INC COM 031162100 308 1,266 SH   SOLE   0 0 1,266
APPLE INC COM 037833100 17,453 127,655 SH   SOLE   0 0 127,655
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 79 15,280 SH   SOLE   0 0 15,280
ASML HOLDING N V N Y REGISTRY SHS N07059210 387 814 SH   SOLE   0 0 814
ASTRAZENECA PLC SPONSORED ADR 046353108 487 7,366 SH   SOLE   0 0 7,366
AT&T INC COM 00206R102 543 25,929 SH   SOLE   0 0 25,929
AUTOMATIC DATA PROCESSING IN COM 053015103 365 1,738 SH   SOLE   0 0 1,738
BANCO BRADESCO S A SP ADR PFD NEW 059460303 38 11,652 SH   SOLE   0 0 11,652
BANCO SANTANDER S.A. ADR 05964H105 68 24,401 SH   SOLE   0 0 24,401
BANK NOVA SCOTIA B C COM 064149107 203 3,434 SH   SOLE   0 0 3,434
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 281 8,067 SH   SOLE   0 0 8,067
BATH & BODY WORKS INC COM 070830104 482 17,897 SH   SOLE   0 0 17,897
BECTON DICKINSON & CO COM 075887109 291 1,182 SH   SOLE   0 0 1,182
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,710 17,252 SH   SOLE   0 0 17,252
BK OF AMERICA CORP COM 060505104 394 12,656 SH   SOLE   0 0 12,656
BLACKROCK CORPOR HI YLD FD I COM 09255P107 96 10,032 SH   SOLE   0 0 10,032
BOEING CO COM 097023105 208 1,519 SH   SOLE   0 0 1,519
BRISTOL-MYERS SQUIBB CO COM 110122108 422 5,483 SH   SOLE   0 0 5,483
BROADCOM INC COM 11135F101 342 705 SH   SOLE   0 0 705
CANADIAN NATL RY CO COM 136375102 287 2,550 SH   SOLE   0 0 2,550
CARDINAL HEALTH INC COM 14149Y108 277 5,308 SH   SOLE   0 0 5,308
CATERPILLAR INC COM 149123101 279 1,562 SH   SOLE   0 0 1,562
CHEVRON CORP NEW COM 166764100 701 4,841 SH   SOLE   0 0 4,841
CHUBB LIMITED COM H1467J104 226 1,150 SH   SOLE   0 0 1,150
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502 240 5,808 SH   SOLE   0 0 5,808
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 31 15,475 SH   SOLE   0 0 15,475
CIGNA CORP NEW COM 125523100 560 2,126 SH   SOLE   0 0 2,126
CINCINNATI FINL CORP COM 172062101 2,377 19,980 SH   SOLE   0 0 19,980
CISCO SYS INC COM 17275R102 797 18,694 SH   SOLE   0 0 18,694
CMS ENERGY CORP COM 125896100 445 6,592 SH   SOLE   0 0 6,592
COCA COLA CO COM 191216100 3,543 56,316 SH   SOLE   0 0 56,316
COMCAST CORP NEW CL A 20030N101 448 11,415 SH   SOLE   0 0 11,415
CONOCOPHILLIPS COM 20825C104 807 8,984 SH   SOLE   0 0 8,984
COSTCO WHSL CORP NEW COM 22160K105 526 1,097 SH   SOLE   0 0 1,097
CREDIT SUISSE HIGH YIELD BD SH BEN INT 22544F103 38 20,000 SH   SOLE   0 0 20,000
CROWN CASTLE INTL CORP NEW COM 22822V101 212 1,261 SH   SOLE   0 0 1,261
DANAHER CORPORATION COM 235851102 367 1,447 SH   SOLE   0 0 1,447
DEERE & CO COM 244199105 1,795 5,994 SH   SOLE   0 0 5,994
DISNEY WALT CO COM 254687106 540 5,718 SH   SOLE   0 0 5,718
DOLLAR GEN CORP NEW COM 256677105 207 844 SH   SOLE   0 0 844
DOMINION ENERGY INC COM 25746U109 200 2,508 SH   SOLE   0 0 2,508
DUKE ENERGY CORP NEW COM NEW 26441C204 219 2,043 SH   SOLE   0 0 2,043
EATON CORP PLC SHS G29183103 751 5,957 SH   SOLE   0 0 5,957
ELEVANCE HEALTH INC COM 036752103 490 1,016 SH   SOLE   0 0 1,016
EMERSON ELEC CO COM 291011104 347 4,367 SH   SOLE   0 0 4,367
ENBRIDGE INC COM 29250N105 210 4,976 SH   SOLE   0 0 4,976
EQUINIX INC COM 29444U700 228 347 SH   SOLE   0 0 347
EXXON MOBIL CORP COM 30231G102 1,154 13,470 SH   SOLE   0 0 13,470
FORD MTR CO DEL COM 345370860 257 23,050 SH   SOLE   0 0 23,050
GREIF INC CL A 397624107 1,015 16,273 SH   SOLE   0 0 16,273
GSK PLC SPONSORED ADR 37733W105 229 5,252 SH   SOLE   0 0 5,252
HOME DEPOT INC COM 437076102 979 3,568 SH   SOLE   0 0 3,568
HSBC HLDGS PLC SPON ADR NEW 404280406 297 9,076 SH   SOLE   0 0 9,076
HUNTINGTON BANCSHARES INC COM 446150104 320 26,628 SH   SOLE   0 0 26,628
INFOSYS LTD SPONSORED ADR 456788108 258 13,961 SH   SOLE   0 0 13,961
INTEL CORP COM 458140100 448 11,975 SH   SOLE   0 0 11,975
INTERNATIONAL BUSINESS MACHS COM 459200101 468 3,314 SH   SOLE   0 0 3,314
INTUIT COM 461202103 272 706 SH   SOLE   0 0 706
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 455 11,440 SH   SOLE   0 0 11,440
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 192 4,353 SH   SOLE   0 0 4,353
INVESCO EXCHANGE TRADED FD T DWA BASIC MATL 46137V704 157 2,168 SH   SOLE   0 0 2,168
INVESCO QQQ TR UNIT SER 1 46090E103 373 1,331 SH   SOLE   0 0 1,331
ISHARES GOLD TR ISHARES NEW 464285204 419 12,209 SH   SOLE   0 0 12,209
ISHARES INC MSCI GBL MIN VOL 464286525 444 4,694 SH   SOLE   0 0 4,694
ISHARES INC MSCI EMERG MRKT 464286533 242 4,362 SH   SOLE   0 0 4,362
ISHARES INC CORE MSCI EMKT 46434G103 5,411 110,294 SH   SOLE   0 0 110,294
ISHARES INC ESG AWR MSCI EM 46434G863 204 6,328 SH   SOLE   0 0 6,328
ISHARES INC MSCI EMRG CHN 46434G764 299 6,263 SH   SOLE   0 0 6,263
ISHARES TR CORE S&P MCP ETF 464287507 25,287 111,774 SH   SOLE   0 0 111,774
ISHARES TR CORE S&P500 ETF 464287200 29,358 77,431 SH   SOLE   0 0 77,431
ISHARES TR RUS 1000 VAL ETF 464287598 298 2,055 SH   SOLE   0 0 2,055
ISHARES TR RUS 1000 GRW ETF 464287614 232 1,061 SH   SOLE   0 0 1,061
ISHARES TR RUS 2000 VAL ETF 464287630 896 6,578 SH   SOLE   0 0 6,578
ISHARES TR MSCI EMG MKT ETF 464287234 129 3,228 SH   SOLE   0 0 3,228
ISHARES TR CORE US AGGBD ET 464287226 33,488 329,346 SH   SOLE   0 0 329,346
ISHARES TR SELECT DIVID ETF 464287168 327 2,783 SH   SOLE   0 0 2,783
ISHARES TR ISHS 1-5YR INVS 464288646 17,335 342,929 SH   SOLE   0 0 342,929
ISHARES TR NATIONAL MUN ETF 464288414 6,118 57,524 SH   SOLE   0 0 57,524
ISHARES TR SHRT NAT MUN ETF 464288158 4,514 43,127 SH   SOLE   0 0 43,127
ISHARES TR CORE HIGH DV ETF 46429B663 293 2,915 SH   SOLE   0 0 2,915
ISHARES TR MSCI USA MIN VOL 46429B697 620 8,828 SH   SOLE   0 0 8,828
ISHARES TR MSCI EAFE MIN VL 46429B689 628 9,915 SH   SOLE   0 0 9,915
ISHARES TR CORE MSCI EAFE 46432F842 7,333 124,599 SH   SOLE   0 0 124,599
ISHARES TR CORE 1 5 YR USD 46432F859 1,713 36,129 SH   SOLE   0 0 36,129
ISHARES TR GLOBAL REIT ETF 46434V647 14,273 590,290 SH   SOLE   0 0 590,290
ISHARES TR CORE INTL AGGR 46435G672 7,184 144,223 SH   SOLE   0 0 144,223
ISHARES TR ESG AW MSCI EAFE 46435G516 292 4,658 SH   SOLE   0 0 4,658
ISHARES TR ESG AWR MSCI USA 46435G425 201 2,400 SH   SOLE   0 0 2,400
ISHARES TR ESG AWRE 1 5 YR 46435G243 341 14,159 SH   SOLE   0 0 14,159
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 2,565 51,214 SH   SOLE   0 0 51,214
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 7,289 143,918 SH   SOLE   0 0 143,918
JOHNSON & JOHNSON COM 478160104 1,746 9,837 SH   SOLE   0 0 9,837
JPMORGAN CHASE & CO COM 46625H100 3,599 31,958 SH   SOLE   0 0 31,958
KIMBERLY-CLARK CORP COM 494368103 302 2,238 SH   SOLE   0 0 2,238
KOREA ELEC PWR CORP SPONSORED ADR 500631106 106 12,113 SH   SOLE   0 0 12,113
KROGER CO COM 501044101 234 4,947 SH   SOLE   0 0 4,947
LG DISPLAY CO LTD SPONS ADR REP 50186V102 102 18,357 SH   SOLE   0 0 18,357
LILLY ELI & CO COM 532457108 1,084 3,344 SH   SOLE   0 0 3,344
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 62 30,402 SH   SOLE   0 0 30,402
LOCKHEED MARTIN CORP COM 539830109 478 1,112 SH   SOLE   0 0 1,112
LOWES COS INC COM 548661107 564 3,229 SH   SOLE   0 0 3,229
MARATHON PETE CORP COM 56585A102 220 2,677 SH   SOLE   0 0 2,677
MASTERCARD INCORPORATED CL A 57636Q104 688 2,181 SH   SOLE   0 0 2,181
MCDONALDS CORP COM 580135101 582 2,358 SH   SOLE   0 0 2,358
MCKESSON CORP COM 58155Q103 247 756 SH   SOLE   0 0 756
MEDPACE HLDGS INC COM 58506Q109 352 2,354 SH   SOLE   0 0 2,354
MEDTRONIC PLC SHS G5960L103 193 2,155 SH   SOLE   0 0 2,155
MERCK & CO INC COM 58933Y105 660 7,245 SH   SOLE   0 0 7,245
META PLATFORMS INC CL A 30303M102 970 6,015 SH   SOLE   0 0 6,015
MICROSOFT CORP COM 594918104 6,646 25,876 SH   SOLE   0 0 25,876
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 57 10,455 SH   SOLE   0 0 10,455
NAVIDEA BIOPHARMACEUTICALS I COM NEW 63937X202 8 10,565 SH   SOLE   0 0 10,565
NEXTERA ENERGY INC COM 65339F101 796 10,276 SH   SOLE   0 0 10,276
NIKE INC CL B 654106103 251 2,457 SH   SOLE   0 0 2,457
NIO INC SPON ADS 62914V106 1,176 54,147 SH   SOLE   0 0 54,147
NISOURCE INC COM 65473P105 512 17,360 SH   SOLE   0 0 17,360
NOKIA CORP SPONSORED ADR 654902204 47 10,109 SH   SOLE   0 0 10,109
NORTHROP GRUMMAN CORP COM 666807102 292 610 SH   SOLE   0 0 610
NOVARTIS AG SPONSORED ADR 66987V109 303 3,587 SH   SOLE   0 0 3,587
NOVO-NORDISK A S ADR 670100205 418 3,753 SH   SOLE   0 0 3,753
NVIDIA CORPORATION COM 67066G104 1,193 7,872 SH   SOLE   0 0 7,872
ORACLE CORP COM 68389X105 611 8,744 SH   SOLE   0 0 8,744
PEPSICO INC COM 713448108 1,000 6,002 SH   SOLE   0 0 6,002
PFIZER INC COM 717081103 997 19,011 SH   SOLE   0 0 19,011
PHILIP MORRIS INTL INC COM 718172109 254 2,570 SH   SOLE   0 0 2,570
PHILLIPS 66 COM 718546104 311 3,789 SH   SOLE   0 0 3,789
PROCTER AND GAMBLE CO COM 742718109 3,629 25,237 SH   SOLE   0 0 25,237
PROLOGIS INC. COM 74340W103 313 2,658 SH   SOLE   0 0 2,658
QUALCOMM INC COM 747525103 307 2,401 SH   SOLE   0 0 2,401
RAYTHEON TECHNOLOGIES CORP COM 75513E101 252 2,623 SH   SOLE   0 0 2,623
REGENERON PHARMACEUTICALS COM 75886F107 219 370 SH   SOLE   0 0 370
ROYAL BK CDA COM 780087102 231 2,382 SH   SOLE   0 0 2,382
S&P GLOBAL INC COM 78409V104 303 900 SH   SOLE   0 0 900
SALESFORCE INC COM 79466L302 477 2,891 SH   SOLE   0 0 2,891
SCHWAB CHARLES CORP COM 808513105 224 3,538 SH   SOLE   0 0 3,538
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 282 6,393 SH   SOLE   0 0 6,393
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 136 4,335 SH   SOLE   0 0 4,335
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 285 3,985 SH   SOLE   0 0 3,985
SERVICENOW INC COM 81762P102 221 464 SH   SOLE   0 0 464
SHELL PLC SPON ADS 780259305 222 4,251 SH   SOLE   0 0 4,251
SHERWIN WILLIAMS CO COM 824348106 401 1,792 SH   SOLE   0 0 1,792
SONY GROUP CORPORATION SPONSORED ADR 835699307 253 3,096 SH   SOLE   0 0 3,096
SPDR GOLD TR GOLD SHS 78463V107 831 4,932 SH   SOLE   0 0 4,932
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 339 7,670 SH   SOLE   0 0 7,670
SPDR S&P 500 ETF TR TR UNIT 78462F103 994 2,636 SH   SOLE   0 0 2,636
SPDR SER TR S&P DIVID ETF 78464A763 2,301 19,390 SH   SOLE   0 0 19,390
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 2,977 76,348 SH   SOLE   0 0 76,348
STARBUCKS CORP COM 855244109 321 4,202 SH   SOLE   0 0 4,202
STRYKER CORPORATION COM 863667101 301 1,513 SH   SOLE   0 0 1,513
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 85 14,326 SH   SOLE   0 0 14,326
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 844 10,320 SH   SOLE   0 0 10,320
TARGET CORP COM 87612E106 481 3,408 SH   SOLE   0 0 3,408
TESLA INC COM 88160R101 1,202 1,785 SH   SOLE   0 0 1,785
TEXAS INSTRS INC COM 882508104 447 2,912 SH   SOLE   0 0 2,912
THERMO FISHER SCIENTIFIC INC COM 883556102 846 1,557 SH   SOLE   0 0 1,557
TORONTO DOMINION BK ONT COM NEW 891160509 236 3,592 SH   SOLE   0 0 3,592
TOYOTA MOTOR CORP ADS 892331307 296 1,919 SH   SOLE   0 0 1,919
UNILEVER PLC SPON ADR NEW 904767704 266 5,811 SH   SOLE   0 0 5,811
UNION PAC CORP COM 907818108 553 2,594 SH   SOLE   0 0 2,594
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 166 24,567 SH   SOLE   0 0 24,567
UNITED PARCEL SERVICE INC CL B 911312106 6,297 34,496 SH   SOLE   0 0 34,496
UNITEDHEALTH GROUP INC COM 91324P102 1,571 3,058 SH   SOLE   0 0 3,058
US BANCORP DEL COM NEW 902973304 362 7,856 SH   SOLE   0 0 7,856
VANECK MERK GOLD TR GOLD TRUST 921078101 2,941 167,778 SH   SOLE   0 0 167,778
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 15,499 201,842 SH   SOLE   0 0 201,842
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,546 73,690 SH   SOLE   0 0 73,690
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 21,538 434,754 SH   SOLE   0 0 434,754
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,741 19,834 SH   SOLE   0 0 19,834
VANGUARD INDEX FDS VALUE ETF 922908744 919 6,971 SH   SOLE   0 0 6,971
VANGUARD INDEX FDS MID CAP ETF 922908629 4,997 25,368 SH   SOLE   0 0 25,368
VANGUARD INDEX FDS SM CP VAL ETF 922908611 37,898 252,960 SH   SOLE   0 0 252,960
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,231 46,439 SH   SOLE   0 0 46,439
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,996 28,370 SH   SOLE   0 0 28,370
VANGUARD INDEX FDS GROWTH ETF 922908736 201 900 SH   SOLE   0 0 900
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,227 3,537 SH   SOLE   0 0 3,537
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 25,643 615,673 SH   SOLE   0 0 615,673
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,345 126,996 SH   SOLE   0 0 126,996
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,869 27,793 SH   SOLE   0 0 27,793
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,472 28,969 SH   SOLE   0 0 28,969
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 10,249 205,315 SH   SOLE   0 0 205,315
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 586 7,324 SH   SOLE   0 0 7,324
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 274 3,590 SH   SOLE   0 0 3,590
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 28,749 200,383 SH   SOLE   0 0 200,383
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 40,428 990,875 SH   SOLE   0 0 990,875
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 848 8,342 SH   SOLE   0 0 8,342
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,209 61,346 SH   SOLE   0 0 61,346
VANGUARD WORLD FD MEGA CAP INDEX 921910873 201 1,528 SH   SOLE   0 0 1,528
VANGUARD WORLD FDS ENERGY ETF 92204A306 409 4,109 SH   SOLE   0 0 4,109
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 283 1,203 SH   SOLE   0 0 1,203
VANGUARD WORLD FDS INF TECH ETF 92204A702 360 1,102 SH   SOLE   0 0 1,102
VERIZON COMMUNICATIONS INC COM 92343V104 700 13,787 SH   SOLE   0 0 13,787
VISA INC COM CL A 92826C839 995 5,051 SH   SOLE   0 0 5,051
WALMART INC COM 931142103 335 2,759 SH   SOLE   0 0 2,759
WENDYS CO COM 95058W100 172 9,120 SH   SOLE   0 0 9,120
WIPRO LTD SPON ADR 1 SH 97651M109 85 15,935 SH   SOLE   0 0 15,935
WORLD GOLD TR SPDR GLD MINIS 98149E303 143 3,990 SH   SOLE   0 0 3,990
WORTHINGTON INDS INC COM 981811102 521 11,809 SH   SOLE   0 0 11,809