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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 392,993 2,230 SH SOLE NONE 2,230 0 0
AMAZON COM INC COM 023135106 431,540 1,967 SH SOLE NONE 1,967 0 0
APPLE INC COM 037833100 555,600 2,708 SH SOLE NONE 2,708 0 0
COLGATE PALMOLIVE CO COM 194162103 399,960 4,400 SH DFND NONE 0 0 4,400
EXXON MOBIL CORP COM 30231G102 318,226 2,952 SH DFND NONE 0 0 2,952
EXXON MOBIL CORP COM 30231G102 93,355 866 SH SOLE NONE 866 0 0
ISHARES INC MSCI PAC JP ETF 464286665 332,754 6,740 SH SOLE NONE 6,740 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 678,778 9,054 SH SOLE NONE 9,054 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,617,445 2,605 SH SOLE NONE 2,605 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,915,032 39,698 SH SOLE NONE 39,698 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 3,298,415 34,441 SH SOLE NONE 34,441 0 0
ISHARES TR RUS MID CAP ETF 464287499 497,742 5,412 SH SOLE NONE 5,412 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 298,869 1,385 SH SOLE NONE 1,385 0 0
ISHARES TR MBS ETF 464288588 629,532 6,705 SH SOLE NONE 6,705 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,029,070 38,076 SH SOLE NONE 38,076 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,257,495 42,788 SH SOLE NONE 42,788 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 465,046 3,905 SH SOLE NONE 3,905 0 0
ISHARES TR 10+ YR INVST GRD 464289511 1,431,688 28,514 SH SOLE NONE 28,514 0 0
ISHARES TR CORE MSCI EURO 46434V738 2,111,846 31,901 SH SOLE NONE 31,901 0 0
JOHNSON & JOHNSON COM 478160104 145,113 950 SH DFND NONE 0 0 950
JOHNSON & JOHNSON COM 478160104 65,988 432 SH SOLE NONE 432 0 0
JPMORGAN CHASE & CO. COM 46625H100 144,955 500 SH DFND NONE 0 0 500
JPMORGAN CHASE & CO. COM 46625H100 327,308 1,129 SH SOLE NONE 1,129 0 0
MASTERCARD INCORPORATED CL A 57636Q104 256,807 457 SH SOLE NONE 457 0 0
META PLATFORMS INC CL A 30303M102 218,475 296 SH SOLE NONE 296 0 0
MICROSOFT CORP COM 594918104 782,923 1,574 SH SOLE NONE 1,574 0 0
NEXTERA ENERGY INC COM 65339F101 194,376 2,800 SH DFND NONE 0 0 2,800
NEXTERA ENERGY INC COM 65339F101 72,405 1,043 SH SOLE NONE 1,043 0 0
NVIDIA CORPORATION COM 67066G104 266,687 1,688 SH SOLE NONE 1,688 0 0
PROCTER AND GAMBLE CO COM 742718109 718,852 4,512 SH DFND NONE 0 0 4,512
PROCTER AND GAMBLE CO COM 742718109 90,972 571 SH SOLE NONE 571 0 0
S&P GLOBAL INC COM 78409V104 896,393 1,700 SH DFND NONE 0 0 1,700
SHELL PLC SPON ADS 780259305 1,366,588 19,409 SH DFND NONE 0 0 19,409
SHELL PLC SPON ADS 780259305 1,056 15 SH SOLE NONE 15 0 0
UNILEVER PLC SPON ADR NEW 904767704 787,808 12,879 SH DFND NONE 0 0 12,879
SPDR S&P 500 ETF TR TR UNIT 78462F103 248,994 403 SH SOLE NONE 403 0 0