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
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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
3M COMPANY (USA) COM 000666038   15,305 140 SH   SOLE   140 0 0
ABBOTT LABS (USA) COM 000001388   39,735 361 SH   SOLE   361 0 0
AIRBUS SE UNSPONS ADR (FRA) COM 009279100   1,213,296 31,457 SH   SOLE   31,457 0 0
ALPHABET INC CL-A (USA) COM 02079K305   2,076,771 14,867 SH   SOLE   14,867 0 0
AMAZON COM INC (USA) COM 000018888   1,990,414 13,100 SH   SOLE   13,100 0 0
AMERICA MOVIL S.A.B. DE C COM 02390A101   33,336 1,800 SH   SOLE   1,800 0 0
AMERICAN TOWER CORP (USA) COM 000019691   1,756,184 8,135 SH   SOLE   8,135 0 0
API GROUP CORP COM 00187Y100   14,532 420 SH   SOLE   420 0 0
APPLE INC (USA) COM 037833100   4,282,060 22,241 SH   SOLE   22,241 0 0
AT & T INC (USA) COM 00206R102   62,354 3,716 SH   SOLE   3,716 0 0
BANCO SANTAN CEN HISP-ADR (ESP) COM 05964H105   17,111 4,133 SH   SOLE   4,133 0 0
BANK OF AMERICA (USA) COM 060505104   1,139,157 33,833 SH   SOLE   33,833 0 0
BERKSHIRE HATHAWAY-B-NEW (USA) COM 084670702   1,591,417 4,462 SH   SOLE   4,462 0 0
BHP BILLITON LTD S/ADR (AUS) COM 088606108   944,727 13,830 SH   SOLE   13,830 0 0
BOEING COMPANY (USA) COM 097023105   72,985 280 SH   SOLE   280 0 0
BRITISH PETE ADR - PLC (GBR) COM 055622104   551,638 15,583 SH   SOLE   15,583 0 0
BROADCOM LTD (USA) COM 11135F101   1,213,364 1,087 SH   SOLE   1,087 0 0
CANON INC ADR (JPN) COM 000144452   5,760 225 SH   SOLE   225 0 0
CARRIER GLOBAL CORPORATIO COM 14448C104   20,682 360 SH   SOLE   360 0 0
CHEVRON CORP (USA) COM 166764100   129,023 865 SH   SOLE   865 0 0
CISCO SYSTEMS INC (USA) COM 000161645   2,484,776 49,184 SH   SOLE   49,184 0 0
CONSTELLATION ENERGY CORP COM 21037T109   19,404 166 SH   SOLE   166 0 0
DANAHER CORP COM 235851102   27,529 119 SH   SOLE   119 0 0
DIAGEO PLC SP/ADR (GBR) COM 25243Q205   662,316 4,547 SH   SOLE   4,547 0 0
EMBECTA CORP COM 29082K105   1,628 86 SH   SOLE   86 0 0
ETF - DVYE EMERGING DIV (USA) COM 464286319   682,329 25,758 SH   SOLE   25,758 0 0
ETF - EMXC EMRG MKTS EX CHINA ISHARE (USA) COM 46434G764   6,168,186 111,319 SH   SOLE   111,319 0 0
ETF - HDV US DIVIDEND75 (USA) COM 46429B663   1,730,770 16,970 SH   SOLE   16,970 0 0
ETF - IBB US BIOTECH (USA) COM 464287556   8,917,602 65,643 SH   SOLE   65,643 0 0
ETF - IVOO VANGUARD S&P MIDCAP 400 ETF (USA) COM 921932885   5,541,599 58,972 SH   SOLE   58,972 0 0
ETF - IWM US RUSSELL2000 (USA) COM 464287655   8,863,956 44,163 SH   SOLE   44,163 0 0
ETF - QQQ INVESCO TRUST (USA) COM 46090E103   13,044,441 31,853 SH   SOLE   31,853 0 0
ETF - SHORT TREASURY BOND ISHAR (USA) COM 464288679   462,546 4,200 SH   SOLE   4,200 0 0
ETF - SPY US S&P500 (USA) COM 78462F103   19,939,255 41,950 SH   SOLE   41,950 0 0
ETF - VEA DEV MKT (USA) COM 921943858   19,689,630 411,057 SH   SOLE   411,057 0 0
ETF - VSS WORLD SMALL (USA) COM 922042718   186,349 1,620 SH   SOLE   1,620 0 0
ETF - VWO EMERGING MKTS (USA) COM 922042858   7,599,061 184,892 SH   SOLE   184,892 0 0
ETF DMXF - ISHRS ESG EAFE-xFF (Int'l) COM 46436E759   86,813 1,359 SH   SOLE   1,359 0 0
ETF EMXF - ISHRS ESG EM-xFF (Emg Mkts) COM 46436E742   78,420 2,209 SH   SOLE   2,209 0 0
ETF USXF - ISHRS ESG US-xFF COM 46436E767   66,699 1,675 SH   SOLE   1,675 0 0
EXXON MOBIL CORP (USA) COM 000255969   2,019,596 20,200 SH   SOLE   20,200 0 0
FIVERR INTERNATIONAL LTD COM 0M4R8T106   54 2 SH   SOLE   2 0 0
GLOBAL CLEAN ENERGY ISHAR COM 464288224   7,785 500 SH   SOLE   500 0 0
HOME DEPOT INC (USA) COM 437076102   2,362,085 6,816 SH   SOLE   6,816 0 0
HONEYWELL INTL INC (USA) COM 000324716   735,663 3,508 SH   SOLE   3,508 0 0
HSBC HOLDINGS PLC-SP ADR (GBR) COM 404280406   1,279,159 31,553 SH   SOLE   31,553 0 0
INTEL CORP (USA) COM 458140100   378,684 7,536 SH   SOLE   7,536 0 0
J.P. MORGAN CHASE AND CO (USA) COM 46625H100   3,319,842 19,517 SH   SOLE   19,517 0 0
JOHNSON & JOHNSON (USA) COM 478160104   2,125,238 13,559 SH   SOLE   13,559 0 0
KYNDRYL HLDGS INC (USA) COM 50155Q100   1,205 58 SH   SOLE   58 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   3,159 15 SH   SOLE   15 0 0
LUCID GROUP INC COM 549498103   84 20 SH   SOLE   20 0 0
LULULEMON ATHLETICA INC (USA) COM 000405723   5,113 10 SH   SOLE   10 0 0
LVMH MOET HENNESSY LO-ADR (FRA) COM 000377807   868,295 5,345 SH   SOLE   5,345 0 0
LYONDELLBASELL INDUSTRIES (USA) COM N53745100   1,107,967 11,653 SH   SOLE   11,653 0 0
MASTERCARD INC COM 57636A104   21,326 50 SH   SOLE   50 0 0
MCDONALD'S CORP (USA) COM 000430579   1,391,818 4,694 SH   SOLE   4,694 0 0
MERCK CO INC-NEW (USA) COM 000435499   1,901,200 17,439 SH   SOLE   17,439 0 0
META PLATFORMS (USA) COM 30303M102   1,084,533 3,064 SH   SOLE   3,064 0 0
MICROSOFT CORP (USA) COM 594918104   7,350,454 19,547 SH   SOLE   19,547 0 0
NESTLE S.A. SP/ADR-FOR REG (CHE) COM 641069406   1,815,044 15,697 SH   SOLE   15,697 0 0
NEXTERA ENERGY INC (USA) COM 65339F101   840,459 13,837 SH   SOLE   13,837 0 0
NIKE INC CL-B (USA) COM 654106103   69,485 640 SH   SOLE   640 0 0
NOVARTIS ADR (CHE) COM 000505376   2,595,232 25,703 SH   SOLE   25,703 0 0
NOVO-NORDISK A/S-ADR (DNK) COM 000505482   1,215,538 11,750 SH   SOLE   11,750 0 0
NU HOLDINGS LTD CL A COM G6683N103   8,330 1,000 SH   SOLE   1,000 0 0
OTIS WORLDWIDE CORP COM 68902V107   10,200 114 SH   SOLE   114 0 0
PAYPAL HOLDINGS INC COM 70450Y103   123 2 SH   SOLE   2 0 0
PEPSI CO (USA) COM 000538579   2,377,420 13,998 SH   SOLE   13,998 0 0
PFIZER INC (USA) COM 717081103   679,242 23,593 SH   SOLE   23,593 0 0
PLAYA HOTELS & RESORTS N. COM N70544106   3,460 400 SH   SOLE   400 0 0
PROCTER & GAMBLE CO (USA) COM 742718109   1,726,095 11,779 SH   SOLE   11,779 0 0
PRUDENTIAL FINANCIAL INC COM 744320102   1,224,608 11,808 SH   SOLE   11,808 0 0
RAYTHEON TECHNOLOGIES COR COM 75513E101   34,077 405 SH   SOLE   405 0 0
REPLIGEN CP COM 759916109   4,495 25 SH   SOLE   25 0 0
RIO TINTO PLC SP/ADR (GBR) COM 767204100   930,229 12,493 SH   SOLE   12,493 0 0
RIVIAN AUTOMOTIVE INC CL COM 76954A103   235 10 SH   SOLE   10 0 0
SALESFORCE INC (USA) COM 79466L302   1,090,452 4,144 SH   SOLE   4,144 0 0
SILVER NCI-RBC TROY OZ COM 000754694   7,068 300 SH   SOLE   300 0 0
SNDL INC COM 83307B101   182 111 SH   SOLE   111 0 0
SONY CORPORATION ADR (JPN) COM 835699307   1,159,858 12,249 SH   SOLE   12,249 0 0
TOTAL S.A. SP ADR (FRA) COM 000673786   67,380 1,000 SH   SOLE   1,000 0 0
TOYOTA MOTOR CO LTD ADR (JPN) COM 892331307   1,970,418 10,745 SH   SOLE   10,745 0 0
TRANE TECHNOLOGIES PLC COM G8994E103   303,168 1,243 SH   SOLE   1,243 0 0
UNILEVER PLC ADS-EA REPR (GBR) COM 904767704   448,198 9,245 SH   SOLE   9,245 0 0
UNION PACIFIC CORP (USA) COM 000689653   1,192,731 4,856 SH   SOLE   4,856 0 0
UNITED HEALTH GROUP INC (USA) COM 000696401   1,106,640 2,102 SH   SOLE   2,102 0 0
VEOLIA ENVIRONNEMENT-ADR (FRA) COM 92334N103   687,133 43,539 SH   SOLE   43,539 0 0
VERALTO CORPORATION COM 92338C103   658 8 SH   SOLE   8 0 0
VISA INC CLASS-A (USA) COM 000711636   1,520,704 5,841 SH   SOLE   5,841 0 0
VODAFONE GP PLC S/ADR (GBR) COM 000711748   1,392 160 SH   SOLE   160 0 0
WALMART STORES INC (USA) COM 000714160   1,457,317 9,244 SH   SOLE   9,244 0 0
WARNER BROS DISCOVERY INC (USA) COM 934423104   1,812 159 SH   SOLE   159 0 0
WELLS FARGO CO (USA) COM 949746101   260,866 5,300 SH   SOLE   5,300 0 0
WISDOMTREE CHINA EX-CSO F COM 97717X719   10,367 370 SH   SOLE   370 0 0
X4 PHARMACEUTICALS INC COM 98420X103   839 1,000 SH   SOLE   1,000 0 0
ZAZA ENERGY CORP - NEW COM 98919T407   0 300 SH   SOLE   300 0 0