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
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 521 10,527 SH   SOLE NONE 10,527 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 784 14,049 SH   SOLE NONE 14,049 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 785 15,797 SH   SOLE NONE 15,797 0 0
SONY GROUP CORPORATION SPONSORED ADR SPONSORED ADR 835699307 1,067 10,063 SH   SOLE NONE 10,063 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW NY REG SH NEW 500472303 811 14,220 SH   SOLE NONE 14,220 0 0
STMICROELECTRONICS N V NY REGISTRY NY REGISTRY 861012102 961 25,073 SH   SOLE NONE 25,073 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,161 9,779 SH   SOLE NONE 9,779 0 0
KOREA ELEC PWR CORP SPONSORED ADR SPONSORED ADR 500631106 711 69,309 SH   SOLE NONE 69,309 0 0
HDFC BANK LTD SPONSORED ADS SPONSORED ADS 40415F101 733 9,433 SH   SOLE NONE 9,433 0 0
BAIDU INC SPON ADR REP A SPON ADR REP A 056752108 1,058 4,865 SH   SOLE NONE 4,865 0 0
ABB LTD SPONSORED ADR SPONSORED ADR 000375204 936 30,721 SH   SOLE NONE 30,721 0 0
WESTPAC BANKING CORP SPONSORED ADR SPONSORED ADR 961214301 764 41,143 SH   SOLE NONE 41,143 0 0
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A SPONSORED ADS A 92763W103 1,017 34,075 SH   SOLE NONE 34,075 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102 1,217 5,367 SH   SOLE NONE 5,367 0 0
MICROSOFT CORP COM COM 594918104 2,800 11,877 SH   SOLE NONE 11,877 0 0
AT&T INC COM COM 00206R102 1,169 38,609 SH   SOLE NONE 38,609 0 0
HOME DEPOT INC COM COM 437076102 358 1,172 SH   SOLE NONE 1,172 0 0
AMAZON COM INC COM COM 023135106 2,902 938 SH   SOLE NONE 938 0 0
JOHNSON & JOHNSON COM COM 478160104 1,580 9,615 SH   SOLE NONE 9,615 0 0
MERCK & CO. INC COM COM 58933Y105 220 2,832 SH   SOLE NONE 2,832 0 0
EMERSON ELEC CO COM COM 291011104 1,207 13,382 SH   SOLE NONE 13,382 0 0
MCDONALDS CORP COM COM 580135101 943 4,208 SH   SOLE NONE 4,208 0 0
JPMORGAN CHASE & CO COM COM 46625H100 2,144 14,081 SH   SOLE NONE 14,081 0 0
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 1,024 13,246 SH   SOLE NONE 13,246 0 0
PFIZER INC COM COM 717081103 1,569 43,306 SH   SOLE NONE 43,306 0 0
AMGEN INC COM COM 031162100 1,472 5,918 SH   SOLE NONE 5,918 0 0
TYSON FOODS INC CL A CL A 902494103 1,456 19,601 SH   SOLE NONE 19,601 0 0
EXXON MOBIL CORP COM COM 30231G102 244 4,365 SH   SOLE NONE 4,365 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 290 780 SH   SOLE NONE 780 0 0
APPLE INC COM COM 037833100 4,049 33,146 SH   SOLE NONE 33,146 0 0
DISNEY WALT CO COM COM 254687106 2,144 11,621 SH   SOLE NONE 11,621 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 1,523 4,657 SH   SOLE NONE 4,657 0 0
PROCTER AND GAMBLE CO COM COM 742718109 983 7,259 SH   SOLE NONE 7,259 0 0
BIOGEN INC COM COM 09062X103 1,877 6,710 SH   SOLE NONE 6,710 0 0
NETFLIX INC COM COM 64110L106 1,348 2,584 SH   SOLE NONE 2,584 0 0
PEPSICO INC COM COM 713448108 1,368 9,672 SH   SOLE NONE 9,672 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 2,289 1,110 SH   SOLE NONE 1,110 0 0
BOEING CO COM COM 097023105 1,366 5,361 SH   SOLE NONE 5,361 0 0
NIKE INC CL B CL B 654106103 1,437 10,788 SH   SOLE NONE 10,788 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH CL A LTD VT SH 112585104 688 15,454 SH   SOLE NONE 15,454 0 0
PPL CORP COM COM 69351T106 1,327 45,371 SH   SOLE NONE 45,371 0 0
VISA INC COM CL A COM CL A 92826C839 260 1,227 SH   SOLE NONE 1,227 0 0
JOHNSON CTLS INTL PLC SHS SHS G51502105 398 6,639 SH   SOLE NONE 6,639 0 0
BRINKS CO COM COM 109696104 718 9,058 SH   SOLE NONE 9,058 0 0
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 1,972 2,669 SH   SOLE NONE 2,669 0 0
CANADIAN NATL RY CO COM COM 136375102 676 5,830 SH   SOLE NONE 5,830 0 0
NASDAQ INC COM COM 631103108 946 6,414 SH   SOLE NONE 6,414 0 0
TORONTO DOMINION BK ONT COM NEW COM NEW 891160509 976 14,966 SH   SOLE NONE 14,966 0 0
BLACKROCK INC COM COM 09247X101 1,976 2,621 SH   SOLE NONE 2,621 0 0
OLD DOMINION FREIGHT LINE INC COM COM 679580100 209 868 SH   SOLE NONE 868 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 1,661 4,664 SH   SOLE NONE 4,664 0 0
AMERICAN WTR WKS CO INC NEW COM COM 030420103 829 5,529 SH   SOLE NONE 5,529 0 0
NEXTERA ENERGY INC COM COM 65339F101 1,330 17,584 SH   SOLE NONE 17,584 0 0
TESLA INC COM COM 88160R101 1,453 2,175 SH   SOLE NONE 2,175 0 0
FACEBOOK INC CL A CL A 30303M102 1,762 5,981 SH   SOLE NONE 5,981 0 0
ABBVIE INC COM COM 00287Y109 1,457 13,460 SH   SOLE NONE 13,460 0 0
ZOETIS INC CL A CL A 98978V103 243 1,544 SH   SOLE NONE 1,544 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 261 126 SH   SOLE NONE 126 0 0
SHOPIFY INC CL A CL A 82509L107 609 550 SH   SOLE NONE 550 0 0
PAYPAL HLDGS INC COM COM 70450Y103 327 1,346 SH   SOLE NONE 1,346 0 0
FERRARI N V COM COM N3167Y103 758 3,623 SH   SOLE NONE 3,623 0 0
YUM CHINA HLDGS INC COM COM 98850P109 989 16,706 SH   SOLE NONE 16,706 0 0
CARVANA CO CL A CL A 146869102 1,251 4,767 SH   SOLE NONE 4,767 0 0
CARRIER GLOBAL CORPORATION COM COM 14448C104 1,293 30,627 SH   SOLE NONE 30,627 0 0
PALANTIR TECHNOLOGIES INC CL A CL A 69608A108 623 26,759 SH   SOLE NONE 26,759 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 9,452 87,087 SH   SOLE NONE 87,087 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 2,403 19,151 SH   SOLE NONE 19,151 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 6,740 42,137 SH   SOLE NONE 42,137 0 0
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 530 5,402 SH   SOLE NONE 5,402 0 0
SPDR BLOOMBERG BARCLAYS 1-3 MONTH T-BILL ETF SPDR BLOOMBERG 78468R663 407 4,453 SH   SOLE NONE 4,453 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 11,255 299,189 SH   SOLE NONE 299,189 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 14,688 40,319 SH   SOLE NONE 40,319 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 14,013 188,268 SH   SOLE NONE 188,268 0 0
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 1,651 30,611 SH   SOLE NONE 30,611 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 4,176 60,357 SH   SOLE NONE 60,357 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 7,654 118,922 SH   SOLE NONE 118,922 0 0
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 4,656 85,214 SH   SOLE NONE 85,214 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 2,163 39,421 SH   SOLE NONE 39,421 0 0
GOLDMAN SACHS ACCESS TREASURY 0-1 YEAR ETF ACCES TREASURY 381430529 1,658 16,560 SH   SOLE NONE 16,560 0 0