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 CO COM 88579Y101   356,420 3,391 SH   SOLE   0 0 3,391
ABB LTD SPONSORED ADR 000375204   378,912 11,047 SH   SOLE   0 0 11,047
ABBOTT LABS COM 002824100   13,067,160 129,046 SH   SOLE   0 0 129,046
ABBVIE INC COM 00287Y109   19,696,387 123,589 SH   SOLE   0 0 123,589
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   600,487 2,101 SH   SOLE   0 0 2,101
ADOBE SYSTEMS INCORPORATED COM 00724F101   968,049 2,512 SH   SOLE   0 0 2,512
ADVANCED MICRO DEVICES INC COM 007903107   408,310 4,166 SH   SOLE   0 0 4,166
AEGON N V NY REGISTRY SHS 007924103   45,232 10,519 SH   SOLE   0 0 10,519
AGILON HEALTH INC COM 00857U107   681,910 28,712 SH   SOLE   0 0 28,712
AIR PRODS & CHEMS INC COM 009158106   216,556 754 SH   SOLE   0 0 754
AIRBNB INC COM CL A 009066101   316,225 2,542 SH   SOLE   0 0 2,542
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   536,138 5,247 SH   SOLE   0 0 5,247
ALPHABET INC CAP STK CL A 02079K305   2,549,995 24,583 SH   SOLE   0 0 24,583
ALPHABET INC CAP STK CL C 02079K107   2,565,160 24,665 SH   SOLE   0 0 24,665
ALTRIA GROUP INC COM 02209S103   454,188 10,179 SH   SOLE   0 0 10,179
AMAZON COM INC COM 023135106   3,578,880 34,649 SH   SOLE   0 0 34,649
AMBEV SA SPONSORED ADR 02319V103   71,402 25,320 SH   SOLE   0 0 25,320
AMERICAN ELEC PWR CO INC COM 025537101   709,995 7,803 SH   SOLE   0 0 7,803
AMERICAN EXPRESS CO COM 025816109   383,102 2,323 SH   SOLE   0 0 2,323
AMERICAN TOWER CORP NEW COM 03027X100   384,977 1,884 SH   SOLE   0 0 1,884
AMGEN INC COM 031162100   403,964 1,671 SH   SOLE   0 0 1,671
AMPHENOL CORP NEW CL A 032095101   332,519 4,069 SH   SOLE   0 0 4,069
ANALOG DEVICES INC COM 032654105   327,188 1,659 SH   SOLE   0 0 1,659
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   220,009 3,297 SH   SOLE   0 0 3,297
AON PLC SHS CL A G0403H108   208,091 660 SH   SOLE   0 0 660
APPLE INC COM 037833100   24,381,726 147,858 SH   SOLE   0 0 147,858
APPLIED MATLS INC COM 038222105   362,840 2,954 SH   SOLE   0 0 2,954
APTOSE BIOSCIENCES INC COM NEW 03835T200   6,400 10,000 SH   SOLE   0 0 10,000
ARISTA NETWORKS INC COM 040413106   225,940 1,346 SH   SOLE   0 0 1,346
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   275,770 34,601 SH   SOLE   0 0 34,601
ASML HOLDING N V N Y REGISTRY SHS N07059210   803,919 1,181 SH   SOLE   0 0 1,181
ASTRAZENECA PLC SPONSORED ADR 046353108   699,514 10,078 SH   SOLE   0 0 10,078
AT&T INC COM 00206R102   619,190 32,166 SH   SOLE   0 0 32,166
AUTOMATIC DATA PROCESSING IN COM 053015103   715,285 3,213 SH   SOLE   0 0 3,213
AUTOZONE INC COM 053332102   238,441 97 SH   SOLE   0 0 97
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   168,530 23,905 SH   SOLE   0 0 23,905
BANCO BRADESCO S A SP ADR PFD NEW 059460303   124,620 47,565 SH   SOLE   0 0 47,565
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107   72,482 13,650 SH   SOLE   0 0 13,650
BANCO SANTANDER S.A. ADR 05964H105   143,069 38,772 SH   SOLE   0 0 38,772
BANK AMERICA CORP COM 060505104   563,391 19,699 SH   SOLE   0 0 19,699
BANK MONTREAL QUE COM 063671101   267,508 3,002 SH   SOLE   0 0 3,002
BANK NOVA SCOTIA HALIFAX COM 064149107   280,354 5,567 SH   SOLE   0 0 5,567
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   254,837 8,067 SH   SOLE   0 0 8,067
BATH & BODY WORKS INC COM 070830104   580,415 15,867 SH   SOLE   0 0 15,867
BECTON DICKINSON & CO COM 075887109   379,544 1,533 SH   SOLE   0 0 1,533
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,836,371 18,902 SH   SOLE   0 0 18,902
BHP GROUP LTD SPONSORED ADS 088606108   353,828 5,580 SH   SOLE   0 0 5,580
BLACKROCK INC COM 09247X101   353,964 529 SH   SOLE   0 0 529
BOEING CO COM 097023105   511,744 2,409 SH   SOLE   0 0 2,409
BOOKING HOLDINGS INC COM 09857L108   334,212 126 SH   SOLE   0 0 126
BP PLC SPONSORED ADR 055622104   280,528 7,394 SH   SOLE   0 0 7,394
BRISTOL-MYERS SQUIBB CO COM 110122108   504,244 7,275 SH   SOLE   0 0 7,275
BROADCOM INC COM 11135F101   815,397 1,271 SH   SOLE   0 0 1,271
CADENCE DESIGN SYSTEM INC COM 127387108   257,991 1,228 SH   SOLE   0 0 1,228
CANADIAN NATL RY CO COM 136375102   407,114 3,451 SH   SOLE   0 0 3,451
CANADIAN PAC RY LTD COM 13645T100   291,910 3,794 SH   SOLE   0 0 3,794
CARDINAL HEALTH INC COM 14149Y108   516,701 6,844 SH   SOLE   0 0 6,844
CATERPILLAR INC COM 149123101   477,162 2,085 SH   SOLE   0 0 2,085
CEMEX SAB DE CV SPON ADR NEW 151290889   75,661 13,682 SH   SOLE   0 0 13,682
CHARTER COMMUNICATIONS INC N CL A 16119P108   268,208 750 SH   SOLE   0 0 750
CHENIERE ENERGY INC COM NEW 16411R208   200,940 1,275 SH   SOLE   0 0 1,275
CHEVRON CORP NEW COM 166764100   1,093,825 6,704 SH   SOLE   0 0 6,704
CHUBB LIMITED COM H1467J104   380,981 1,962 SH   SOLE   0 0 1,962
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   337,941 8,643 SH   SOLE   0 0 8,643
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   51,377 22,936 SH   SOLE   0 0 22,936
CINCINNATI FINL CORP COM 172062101   2,266,373 20,221 SH   SOLE   0 0 20,221
CISCO SYS INC COM 17275R102   1,165,090 22,288 SH   SOLE   0 0 22,288
CITIGROUP INC COM NEW 172967424   315,054 6,719 SH   SOLE   0 0 6,719
CME GROUP INC COM 12572Q105   370,400 1,934 SH   SOLE   0 0 1,934
COCA COLA CO COM 191216100   3,710,736 59,822 SH   SOLE   0 0 59,822
COMCAST CORP NEW CL A 20030N101   612,051 16,145 SH   SOLE   0 0 16,145
CONOCOPHILLIPS COM 20825C104   781,576 7,878 SH   SOLE   0 0 7,878
CORNING INC COM 219350105   201,202 5,703 SH   SOLE   0 0 5,703
COSTCO WHSL CORP NEW COM 22160K105   877,412 1,766 SH   SOLE   0 0 1,766
CREDIT SUISSE GROUP SPONSORED ADR 225401108   11,310 12,711 SH   SOLE   0 0 12,711
CROWN CASTLE INC COM 22822V101   219,765 1,642 SH   SOLE   0 0 1,642
CSX CORP COM 126408103   226,010 7,549 SH   SOLE   0 0 7,549
CVS HEALTH CORP COM 126650100   245,892 3,309 SH   SOLE   0 0 3,309
DANAHER CORPORATION COM 235851102   640,686 2,542 SH   SOLE   0 0 2,542
DEERE & CO COM 244199105   2,632,175 6,375 SH   SOLE   0 0 6,375
DIAGEO PLC SPON ADR NEW 25243Q205   332,282 1,834 SH   SOLE   0 0 1,834
DISNEY WALT CO COM 254687106   763,461 7,625 SH   SOLE   0 0 7,625
DOLLAR GEN CORP NEW COM 256677105   203,153 965 SH   SOLE   0 0 965
DR REDDYS LABS LTD ADR 256135203   256,697 4,509 SH   SOLE   0 0 4,509
DUKE ENERGY CORP NEW COM NEW 26441C204   328,131 3,401 SH   SOLE   0 0 3,401
EATON CORP PLC SHS G29183103   1,037,121 6,053 SH   SOLE   0 0 6,053
ELEVANCE HEALTH INC COM 036752103   595,914 1,296 SH   SOLE   0 0 1,296
EMERSON ELEC CO COM 291011104   427,009 4,900 SH   SOLE   0 0 4,900
ENBRIDGE INC COM 29250N105   189,453 4,966 SH   SOLE   0 0 4,966
EOG RES INC COM 26875P101   215,046 1,876 SH   SOLE   0 0 1,876
EQUINIX INC COM 29444U700   289,858 402 SH   SOLE   0 0 402
EXXON MOBIL CORP COM 30231G102   1,861,110 16,972 SH   SOLE   0 0 16,972
FISERV INC COM 337738108   273,872 2,423 SH   SOLE   0 0 2,423
FREEPORT-MCMORAN INC CL B 35671D857   207,127 5,063 SH   SOLE   0 0 5,063
GENERAL ELECTRIC CO COM NEW 369604301   302,192 3,161 SH   SOLE   0 0 3,161
GENERAL MLS INC COM 370334104   281,234 3,291 SH   SOLE   0 0 3,291
GILEAD SCIENCES INC COM 375558103   348,723 4,203 SH   SOLE   0 0 4,203
GOLDMAN SACHS GROUP INC COM 38141G104   288,218 881 SH   SOLE   0 0 881
GRAINGER W W INC COM 384802104   292,744 425 SH   SOLE   0 0 425
GREIF INC CL B 397624206   706,378 9,231 SH   SOLE   0 0 9,231
GREIF INC CL A 397624107   743,393 11,731 SH   SOLE   0 0 11,731
HALEON PLC SPON ADS 405552100   91,852 11,284 SH   SOLE   0 0 11,284
HOME DEPOT INC COM 437076102   1,500,130 5,083 SH   SOLE   0 0 5,083
HONEYWELL INTL INC COM 438516106   374,404 1,959 SH   SOLE   0 0 1,959
HSBC HLDGS PLC SPON ADR NEW 404280406   382,461 11,206 SH   SOLE   0 0 11,206
HUMANA INC COM 444859102   237,875 490 SH   SOLE   0 0 490
HUNTINGTON BANCSHARES INC COM 446150104   318,666 28,452 SH   SOLE   0 0 28,452
ICICI BANK LIMITED ADR 45104G104   405,618 18,796 SH   SOLE   0 0 18,796
IDEXX LABS INC COM 45168D104   205,533 411 SH   SOLE   0 0 411
ILLINOIS TOOL WKS INC COM 452308109   376,861 1,548 SH   SOLE   0 0 1,548
INFOSYS LTD SPONSORED ADR 456788108   435,006 24,943 SH   SOLE   0 0 24,943
INTEL CORP COM 458140100   580,055 17,755 SH   SOLE   0 0 17,755
INTERCONTINENTAL EXCHANGE IN COM 45866F104   230,481 2,210 SH   SOLE   0 0 2,210
INTERNATIONAL BUSINESS MACHS COM 459200101   527,375 4,023 SH   SOLE   0 0 4,023
INTUIT COM 461202103   382,522 858 SH   SOLE   0 0 858
INTUITIVE SURGICAL INC COM NEW 46120E602   267,477 1,047 SH   SOLE   0 0 1,047
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   498,935 11,324 SH   SOLE   0 0 11,324
INVESCO QQQ TR UNIT SER 1 46090E103   415,657 1,295 SH   SOLE   0 0 1,295
ISHARES GOLD TR ISHARES NEW 464285204   449,986 12,041 SH   SOLE   0 0 12,041
ISHARES INC MSCI GBL MIN VOL 464286525   432,995 4,475 SH   SOLE   0 0 4,475
ISHARES INC MSCI EMERG MRKT 464286533   226,016 4,142 SH   SOLE   0 0 4,142
ISHARES INC CORE MSCI EMKT 46434G103   8,593,992 176,142 SH   SOLE   0 0 176,142
ISHARES INC ESG AWR MSCI EM 46434G863   216,518 6,878 SH   SOLE   0 0 6,878
ISHARES TR CORE S&P MCP ETF 464287507   35,236,098 140,854 SH   SOLE   0 0 140,854
ISHARES TR CORE S&P500 ETF 464287200   38,781,575 94,341 SH   SOLE   0 0 94,341
ISHARES TR RUS 1000 VAL ETF 464287598   314,523 2,066 SH   SOLE   0 0 2,066
ISHARES TR RUS 1000 GRW ETF 464287614   260,353 1,066 SH   SOLE   0 0 1,066
ISHARES TR RUS 2000 VAL ETF 464287630   900,309 6,571 SH   SOLE   0 0 6,571
ISHARES TR MSCI EMG MKT ETF 464287234   128,047 3,245 SH   SOLE   0 0 3,245
ISHARES TR CORE US AGGBD ET 464287226   42,519,549 426,732 SH   SOLE   0 0 426,732
ISHARES TR ISHS 1-5YR INVS 464288646   20,618,019 407,954 SH   SOLE   0 0 407,954
ISHARES TR NATIONAL MUN ETF 464288414   12,173,610 112,991 SH   SOLE   0 0 112,991
ISHARES TR MSCI ACWI ETF 464288257   201,372 2,209 SH   SOLE   0 0 2,209
ISHARES TR GRWT ALLOCAT ETF 464289867   1,086,952 21,726 SH   SOLE   0 0 21,726
ISHARES TR SHRT NAT MUN ETF 464288158   7,811,931 74,627 SH   SOLE   0 0 74,627
ISHARES TR MSCI USA MIN VOL 46429B697   649,562 8,930 SH   SOLE   0 0 8,930
ISHARES TR MSCI EAFE MIN VL 46429B689   535,822 7,921 SH   SOLE   0 0 7,921
ISHARES TR CORE MSCI EAFE 46432F842   11,206,258 167,633 SH   SOLE   0 0 167,633
ISHARES TR CORE 1 5 YR USD 46432F859   3,767,501 79,896 SH   SOLE   0 0 79,896
ISHARES TR GLOBAL REIT ETF 46434V647   18,071,919 788,134 SH   SOLE   0 0 788,134
ISHARES TR CORE INTL AGGR 46435G672   5,612,572 114,659 SH   SOLE   0 0 114,659
ISHARES TR ESG AW MSCI EAFE 46435G516   290,317 4,041 SH   SOLE   0 0 4,041
ISHARES TR ESG AWR MSCI USA 46435G425   238,529 2,637 SH   SOLE   0 0 2,637
ISHARES TR ESG AWRE 1 5 YR 46435G243   330,600 13,741 SH   SOLE   0 0 13,741
ISHARES TR ESG AWARE MSCI 46435U663   204,731 6,023 SH   SOLE   0 0 6,023
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   52,771 10,836 SH   SOLE   0 0 10,836
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,935,981 78,219 SH   SOLE   0 0 78,219
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,048,296 119,084 SH   SOLE   0 0 119,084
JOHNSON & JOHNSON COM 478160104   2,234,071 14,413 SH   SOLE   0 0 14,413
JPMORGAN CHASE & CO COM 46625H100   4,648,187 35,670 SH   SOLE   0 0 35,670
KB FINL GROUP INC SPONSORED ADR 48241A105   311,063 8,541 SH   SOLE   0 0 8,541
KEYSIGHT TECHNOLOGIES INC COM 49338L103   227,364 1,408 SH   SOLE   0 0 1,408
KIMBERLY-CLARK CORP COM 494368103   291,651 2,173 SH   SOLE   0 0 2,173
KINROSS GOLD CORP COM 496902404   60,269 12,796 SH   SOLE   0 0 12,796
KOREA ELEC PWR CORP SPONSORED ADR 500631106   123,546 17,802 SH   SOLE   0 0 17,802
KROGER CO COM 501044101   253,762 5,140 SH   SOLE   0 0 5,140
LAM RESEARCH CORP COM 512807108   244,915 462 SH   SOLE   0 0 462
LG DISPLAY CO LTD SPONS ADR REP 50186V102   237,923 37,292 SH   SOLE   0 0 37,292
LILLY ELI & CO COM 532457108   1,590,521 4,631 SH   SOLE   0 0 4,631
LINDE PLC SHS G54950103   584,343 1,644 SH   SOLE   0 0 1,644
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   70,447 30,365 SH   SOLE   0 0 30,365
LOCKHEED MARTIN CORP COM 539830109   644,866 1,364 SH   SOLE   0 0 1,364
LOWES COS INC COM 548661107   742,940 3,715 SH   SOLE   0 0 3,715
LUFAX HOLDING LTD ADS REP SHS CL A 54975P102   27,201 13,334 SH   SOLE   0 0 13,334
LUMEN TECHNOLOGIES INC COM 550241103   30,488 11,505 SH   SOLE   0 0 11,505
MARATHON PETE CORP COM 56585A102   356,895 2,647 SH   SOLE   0 0 2,647
MARSH & MCLENNAN COS INC COM 571748102   318,610 1,913 SH   SOLE   0 0 1,913
MASTERCARD INCORPORATED CL A 57636Q104   1,226,872 3,376 SH   SOLE   0 0 3,376
MCDONALDS CORP COM 580135101   877,595 3,139 SH   SOLE   0 0 3,139
MCKESSON CORP COM 58155Q103   243,896 685 SH   SOLE   0 0 685
MEDPACE HLDGS INC COM 58506Q109   442,670 2,354 SH   SOLE   0 0 2,354
MEDTRONIC PLC SHS G5960L103   246,778 3,061 SH   SOLE   0 0 3,061
MERCK & CO INC COM 58933Y105   1,217,316 11,442 SH   SOLE   0 0 11,442
META PLATFORMS INC CL A 30303M102   1,620,917 7,648 SH   SOLE   0 0 7,648
MICROSOFT CORP COM 594918104   9,847,669 34,158 SH   SOLE   0 0 34,158
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   154,791 24,224 SH   SOLE   0 0 24,224
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   111,294 39,466 SH   SOLE   0 0 39,466
MONDELEZ INTL INC CL A 609207105   314,367 4,509 SH   SOLE   0 0 4,509
MOODYS CORP COM 615369105   202,279 661 SH   SOLE   0 0 661
MORGAN STANLEY COM NEW 617446448   445,848 5,078 SH   SOLE   0 0 5,078
MSCI INC COM 55354G100   222,197 397 SH   SOLE   0 0 397
MULLEN AUTOMOTIVE INC COM 62526P109   1,682 12,813 SH   SOLE   0 0 12,813
NETFLIX INC COM 64110L106   562,441 1,628 SH   SOLE   0 0 1,628
NEXTERA ENERGY INC COM 65339F101   990,016 12,844 SH   SOLE   0 0 12,844
NIKE INC CL B 654106103   537,165 4,380 SH   SOLE   0 0 4,380
NISOURCE INC COM 65473P105   238,207 8,520 SH   SOLE   0 0 8,520
NOKIA CORP SPONSORED ADR 654902204   86,264 17,569 SH   SOLE   0 0 17,569
NOMURA HLDGS INC SPONSORED ADR 65535H208   91,132 23,982 SH   SOLE   0 0 23,982
NORTHROP GRUMMAN CORP COM 666807102   349,522 757 SH   SOLE   0 0 757
NOVARTIS AG SPONSORED ADR 66987V109   481,160 5,230 SH   SOLE   0 0 5,230
NOVO-NORDISK A S ADR 670100205   853,309 5,362 SH   SOLE   0 0 5,362
NVIDIA CORPORATION COM 67066G104   3,112,448 11,205 SH   SOLE   0 0 11,205
ORACLE CORP COM 68389X105   1,155,367 12,434 SH   SOLE   0 0 12,434
OREILLY AUTOMOTIVE INC COM 67103H107   200,359 236 SH   SOLE   0 0 236
PARK NATL CORP COM 700658107   201,909 1,703 SH   SOLE   0 0 1,703
PAYPAL HLDGS INC COM 70450Y103   245,666 3,235 SH   SOLE   0 0 3,235
PEPSICO INC COM 713448108   1,433,990 7,866 SH   SOLE   0 0 7,866
PFIZER INC COM 717081103   1,156,985 28,357 SH   SOLE   0 0 28,357
PHILIP MORRIS INTL INC COM 718172109   385,588 3,965 SH   SOLE   0 0 3,965
PHILLIPS 66 COM 718546104   286,601 2,827 SH   SOLE   0 0 2,827
POSCO HOLDINGS INC SPONSORED ADR 693483109   262,871 3,772 SH   SOLE   0 0 3,772
PROCTER AND GAMBLE CO COM 742718109   4,487,999 30,184 SH   SOLE   0 0 30,184
PROGRESSIVE CORP COM 743315103   312,157 2,182 SH   SOLE   0 0 2,182
PROLOGIS INC. COM 74340W103   529,657 4,245 SH   SOLE   0 0 4,245
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   235,961 3,778 SH   SOLE   0 0 3,778
QUALCOMM INC COM 747525103   406,597 3,187 SH   SOLE   0 0 3,187
RAYTHEON TECHNOLOGIES CORP COM 75513E101   381,927 3,900 SH   SOLE   0 0 3,900
REGENERON PHARMACEUTICALS COM 75886F107   305,661 372 SH   SOLE   0 0 372
RIO TINTO PLC SPONSORED ADR 767204100   247,311 3,605 SH   SOLE   0 0 3,605
ROPER TECHNOLOGIES INC COM 776696106   224,752 510 SH   SOLE   0 0 510
ROYAL BK CDA SUSTAINABL COM 780087102   323,156 3,381 SH   SOLE   0 0 3,381
S&P GLOBAL INC COM 78409V104   408,897 1,186 SH   SOLE   0 0 1,186
SALESFORCE INC COM 79466L302   670,661 3,357 SH   SOLE   0 0 3,357
SANOFI SPONSORED ADR 80105N105   318,520 5,853 SH   SOLE   0 0 5,853
SAP SE SPON ADR 803054204   475,575 3,758 SH   SOLE   0 0 3,758
SCHWAB CHARLES CORP COM 808513105   252,629 4,823 SH   SOLE   0 0 4,823
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   296,164 6,189 SH   SOLE   0 0 6,189
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   191,679 5,508 SH   SOLE   0 0 5,508
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   43,366 1,034 SH   SOLE   0 0 1,034
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   517,323 7,071 SH   SOLE   0 0 7,071
SERVICENOW INC COM 81762P102   327,163 704 SH   SOLE   0 0 704
SHELL PLC SPON ADS 780259305   432,535 7,517 SH   SOLE   0 0 7,517
SHERWIN WILLIAMS CO COM 824348106   420,769 1,872 SH   SOLE   0 0 1,872
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   333,894 12,394 SH   SOLE   0 0 12,394
SHOPIFY INC CL A 82509L107   307,104 6,406 SH   SOLE   0 0 6,406
SIRIUS XM HOLDINGS INC COM 82968B103   43,789 11,030 SH   SOLE   0 0 11,030
SONY GROUP CORPORATION SPONSORED ADR 835699307   494,586 5,456 SH   SOLE   0 0 5,456
SOUTHERN COPPER CORP COM 84265V105   200,614 2,631 SH   SOLE   0 0 2,631
SPDR GOLD TR GOLD SHS 78463V107   874,692 4,774 SH   SOLE   0 0 4,774
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   284,836 6,920 SH   SOLE   0 0 6,920
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,171,954 2,863 SH   SOLE   0 0 2,863
SPDR SER TR S&P DIVID ETF 78464A763   2,073,774 16,763 SH   SOLE   0 0 16,763
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   220,368 2,400 SH   SOLE   0 0 2,400
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,710,647 52,652 SH   SOLE   0 0 52,652
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   2,330,314 59,620 SH   SOLE   0 0 59,620
STARBUCKS CORP COM 855244109   616,498 5,920 SH   SOLE   0 0 5,920
STRYKER CORPORATION COM 863667101   345,419 1,210 SH   SOLE   0 0 1,210
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   236,704 29,588 SH   SOLE   0 0 29,588
SYNOPSYS INC COM 871607107   286,984 743 SH   SOLE   0 0 743
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,459,112 15,686 SH   SOLE   0 0 15,686
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   181,923 11,039 SH   SOLE   0 0 11,039
TARGET CORP COM 87612E106   692,830 4,183 SH   SOLE   0 0 4,183
TELEFONICA S A SPONSORED ADR 879382208   53,680 12,542 SH   SOLE   0 0 12,542
TESLA INC COM 88160R101   1,921,910 9,264 SH   SOLE   0 0 9,264
TEXAS INSTRS INC COM 882508104   983,621 5,288 SH   SOLE   0 0 5,288
THE CIGNA GROUP COM 125523100   553,623 2,167 SH   SOLE   0 0 2,167
THERMO FISHER SCIENTIFIC INC COM 883556102   1,366,849 2,371 SH   SOLE   0 0 2,371
THOMSON REUTERS CORP. COM NEW 884903709   241,503 1,856 SH   SOLE   0 0 1,856
TJX COS INC NEW COM 872540109   350,426 4,472 SH   SOLE   0 0 4,472
T-MOBILE US INC COM 872590104   288,956 1,995 SH   SOLE   0 0 1,995
TORONTO DOMINION BK ONT COM NEW 891160509   320,465 5,350 SH   SOLE   0 0 5,350
TOTALENERGIES SE SPONSORED ADS 89151E109   375,853 6,365 SH   SOLE   0 0 6,365
TOYOTA MOTOR CORP ADS 892331307   467,152 3,297 SH   SOLE   0 0 3,297
TRAVELERS COMPANIES INC COM 89417E109   214,948 1,254 SH   SOLE   0 0 1,254
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   99,941 23,242 SH   SOLE   0 0 23,242
UBS GROUP AG SHS H42097107   249,273 11,681 SH   SOLE   0 0 11,681
UNILEVER PLC SPON ADR NEW 904767704   499,259 9,614 SH   SOLE   0 0 9,614
UNION PAC CORP COM 907818108   568,797 2,826 SH   SOLE   0 0 2,826
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   431,798 49,292 SH   SOLE   0 0 49,292
UNITED PARCEL SERVICE INC CL B 911312106   6,849,044 35,306 SH   SOLE   0 0 35,306
UNITEDHEALTH GROUP INC COM 91324P102   2,038,626 4,314 SH   SOLE   0 0 4,314
US BANCORP DEL COM NEW 902973304   341,466 9,472 SH   SOLE   0 0 9,472
VANECK MERK GOLD TR GOLD TRUST 921078101   3,204,560 167,778 SH   SOLE   0 0 167,778
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,224,560 225,187 SH   SOLE   0 0 225,187
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,989,604 121,761 SH   SOLE   0 0 121,761
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   28,799,618 588,708 SH   SOLE   0 0 588,708
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,601,128 17,644 SH   SOLE   0 0 17,644
VANGUARD INDEX FDS VALUE ETF 922908744   1,315,413 9,524 SH   SOLE   0 0 9,524
VANGUARD INDEX FDS MID CAP ETF 922908629   6,108,745 28,962 SH   SOLE   0 0 28,962
VANGUARD INDEX FDS SM CP VAL ETF 922908611   48,671,407 306,572 SH   SOLE   0 0 306,572
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,210,687 62,749 SH   SOLE   0 0 62,749
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,516,178 39,651 SH   SOLE   0 0 39,651
VANGUARD INDEX FDS GROWTH ETF 922908736   362,675 1,454 SH   SOLE   0 0 1,454
VANGUARD INDEX FDS SML CP GRW ETF 922908595   237,580 1,098 SH   SOLE   0 0 1,098
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,706,853 9,137 SH   SOLE   0 0 9,137
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,512,789 4,023 SH   SOLE   0 0 4,023
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   33,520,500 829,715 SH   SOLE   0 0 829,715
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   7,792,161 145,730 SH   SOLE   0 0 145,730
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,382,929 21,814 SH   SOLE   0 0 21,814
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,359,038 36,476 SH   SOLE   0 0 36,476
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,061,940 139,399 SH   SOLE   0 0 139,399
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   754,630 9,899 SH   SOLE   0 0 9,899
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   34,212,515 222,145 SH   SOLE   0 0 222,145
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   55,587,528 1,230,629 SH   SOLE   0 0 1,230,629
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   733,513 6,953 SH   SOLE   0 0 6,953
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,731,569 64,218 SH   SOLE   0 0 64,218
VANGUARD WORLD FD MEGA CAP INDEX 921910873   211,258 1,476 SH   SOLE   0 0 1,476
VANGUARD WORLD FD ESG US STK ETF 921910733   281,977 3,932 SH   SOLE   0 0 3,932
VANGUARD WORLD FD ESG INTL STK ETF 921910725   96,207 1,837 SH   SOLE   0 0 1,837
VANGUARD WORLD FDS ENERGY ETF 92204A306   470,559 4,119 SH   SOLE   0 0 4,119
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   297,237 1,246 SH   SOLE   0 0 1,246
VANGUARD WORLD FDS INF TECH ETF 92204A702   427,341 1,109 SH   SOLE   0 0 1,109
VERIZON COMMUNICATIONS INC COM 92343V104   647,523 16,650 SH   SOLE   0 0 16,650
VERTEX PHARMACEUTICALS INC COM 92532F100   293,015 930 SH   SOLE   0 0 930
VICTORIAS SECRET AND CO COMMON STOCK 926400102   213,164 6,242 SH   SOLE   0 0 6,242
VISA INC COM CL A 92826C839   1,566,045 6,946 SH   SOLE   0 0 6,946
WALMART INC COM 931142103   757,306 5,136 SH   SOLE   0 0 5,136
WARNER BROS DISCOVERY INC COM SER A 934423104   119,184 7,893 SH   SOLE   0 0 7,893
WELLS FARGO CO NEW COM 949746101   304,012 8,133 SH   SOLE   0 0 8,133
WENDYS CO COM 95058W100   183,366 8,419 SH   SOLE   0 0 8,419
WIPRO LTD SPON ADR 1 SH 97651M109   261,974 58,346 SH   SOLE   0 0 58,346
WOORI FINL GROUP INC SPONSORED ADS 981064108   273,179 10,391 SH   SOLE   0 0 10,391
WORLD GOLD TR SPDR GLD MINIS 98149E303   184,951 4,729 SH   SOLE   0 0 4,729
WORTHINGTON INDS INC COM 981811102   847,966 13,116 SH   SOLE   0 0 13,116
ZOETIS INC CL A 98978V103   245,000 1,472 SH   SOLE   0 0 1,472