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
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 COMPANY (USA) COM 000666038 21,314 140 SH SOLE 140 0 0
ABBOTT LABS (USA) COM 000001388 27,882 205 SH SOLE 205 0 0
ACASTI PHARMA INC COM 004390104 6 2 SH SOLE 2 0 0
ACCENTURE (IRELAND) COM G1151C101 1,286,124 4,303 SH SOLE 4,303 0 0
AFLAC INC COM 001055102 3,164 30 SH SOLE 30 0 0
AIRBUS SE UNSPONS ADR (FRA) COM 009279100 1,809,143 34,552 SH SOLE 34,552 0 0
ALIBABA GROUP HOLDING ADR COM 01609W102 2,268 20 SH SOLE 20 0 0
ALPHABET INC CL-A (USA) COM 02079K305 2,655,257 15,067 SH SOLE 15,067 0 0
AMAZON COM INC (USA) COM 000018888 2,956,938 13,478 SH SOLE 13,478 0 0
AMERICA MOVIL S.A.B. DE C COM 02390A101 32,292 1,800 SH SOLE 1,800 0 0
AMERICAN TOWER CORP (USA) COM 000019691 1,534,542 6,943 SH SOLE 6,943 0 0
API GROUP CORP COM 00187Y100 21,441 420 SH SOLE 420 0 0
APPLE INC (USA) COM 037833100 5,344,268 26,048 SH SOLE 26,048 0 0
AT & T INC (USA) COM 00206R102 35,046 1,211 SH SOLE 1,211 0 0
BANCO SANTAN CEN HISP-ADR (ESP) COM 05964H105 1,796,137 216,402 SH SOLE 216,402 0 0
BANK OF AMERICA (USA) COM 060505104 1,679,245 35,487 SH SOLE 35,487 0 0
BERKSHIRE HATHAWAY-B-NEW (USA) COM 084670702 2,439,051 5,021 SH SOLE 5,021 0 0
BHP BILLITON LTD S/ADR (AUS) COM 088606108 900,581 18,727 SH SOLE 18,727 0 0
BLOOM ENERGY CORP CL A COM 093712107 10,764 450 SH SOLE 450 0 0
BOEING COMPANY (USA) COM 097023105 24,096 115 SH SOLE 115 0 0
BRITISH PETE ADR - PLC (GBR) COM 055622104 664,656 22,207 SH SOLE 22,207 0 0
BROADCOM LTD (USA) COM 11135F101 2,314,082 8,395 SH SOLE 8,395 0 0
CARRIER GLOBAL CORPORATIO COM 14448C104 18,663 255 SH SOLE 255 0 0
CHEVRON CORP (USA) COM 166764100 85,914 600 SH SOLE 600 0 0
CHUBB LTD COM H1467J104 2,897 10 SH SOLE 10 0 0
CISCO SYSTEMS INC (USA) COM 17275R102 2,009,869 28,969 SH SOLE 28,969 0 0
CME GROUP INC COM 12572Q105 6,891 25 SH SOLE 25 0 0
CONSTELLATION ENERGY CORP COM 21037T109 53,578 166 SH SOLE 166 0 0
CRISPR THERAPEUTICS AG COM H17182108 4,864 100 SH SOLE 100 0 0
CUMMINS INC COM 231021106 1,638 5 SH SOLE 5 0 0
DANAHER CORP COM 235851102 22,124 112 SH SOLE 112 0 0
DIAGEO PLC SP/ADR (GBR) COM 25243Q205 586,990 5,821 SH SOLE 5,821 0 0
DOVER CORP COM 260003108 1,832 10 SH SOLE 10 0 0
EDITAS MEDICINE COM 28106W103 440 200 SH SOLE 200 0 0
ELEVANCE HEALTH INC COM 036752103 1,945 5 SH SOLE 5 0 0
EMBECTA CORP COM 29082K105 678 70 SH SOLE 70 0 0
ETF - DVYE EMERGING DIV (USA) COM 464286319 615,116 21,470 SH SOLE 21,470 0 0
ETF - EMXC EMRG MKTS EX CHINA ISHARE (USA) COM 46434G764 8,525,289 135,022 SH SOLE 135,022 0 0
ETF - HDV US DIVIDEND75 (USA) COM 46429B663 1,823,751 15,565 SH SOLE 15,565 0 0
ETF - IBB US BIOTECH (USA) COM 464287556 1,524,192 12,048 SH SOLE 12,048 0 0
ETF - IVOO VANGUARD S&P MIDCAP 400 ETF (USA) COM 921932885 8,142,774 77,565 SH SOLE 77,565 0 0
ETF - IWM US RUSSELL2000 (USA) COM 464287655 10,644,705 49,329 SH SOLE 49,329 0 0
ETF - QQQ INVESCO TRUST (USA) COM 46090E103 17,092,014 30,984 SH SOLE 30,984 0 0
ETF - SHORT TREASURY BOND ISHAR (USA) COM 464288679 463,764 4,200 SH SOLE 4,200 0 0
ETF - SPY US S&P500 (USA) COM 78462F103 24,549,652 39,734 SH SOLE 39,734 0 0
ETF - VEA DEV MKT (USA) COM 921943858 18,651,278 327,158 SH SOLE 327,158 0 0
ETF - VSS WORLD SMALL (USA) COM 922042718 217,712 1,620 SH SOLE 1,620 0 0
ETF - VWO EMERGING MKTS (USA) COM 922042858 13,226,000 267,408 SH SOLE 267,408 0 0
ETF DMXF - ISHRS ESG EAFE-xFF (Int'l) COM 46436E759 107,119 1,439 SH SOLE 1,439 0 0
ETF EMXF - ISHRS ESG EM-xFF (Emg Mkts) COM 46436E742 94,711 2,209 SH SOLE 2,209 0 0
ETF USXF - ISHRS ESG US-xFF COM 46436E767 121,343 2,250 SH SOLE 2,250 0 0
ETF-RSP INVESCO SP500 EQ WGT ETF (USA) COM 46137V357 17,768,720 97,770 SH SOLE 97,770 0 0
EXXON MOBIL CORP (USA) COM 000255969 2,973,879 27,587 SH SOLE 27,587 0 0
FIVERR INTERNATIONAL LTD COM 0M4R8T106 59 2 SH SOLE 2 0 0
GE AEROSPACE COM 369604301 1,335,597 5,189 SH SOLE 5,189 0 0
HOME DEPOT INC (USA) COM 437076102 2,598,011 7,086 SH SOLE 7,086 0 0
HONEYTREE U.S. EQUITY ETF COM 02072L326 3,257 100 SH SOLE 100 0 0
HONEYWELL INTL INC (USA) COM 000324716 134,605 578 SH SOLE 578 0 0
HSBC HOLDINGS PLC-SP ADR (GBR) COM 404280406 2,236,099 36,784 SH SOLE 36,784 0 0
INTEL CORP (USA) COM 458140100 97,776 4,365 SH SOLE 4,365 0 0
INTERM CORP BOND VANGUARD COM 92206C870 17,828 215 SH SOLE 215 0 0
INVESCO MSCI SUSTAINABLE COM 46137V407 425 10 SH SOLE 10 0 0
ISHARES 0-3 MONTH TREASUR COM 46436E718 201,390 2,000 SH SOLE 2,000 0 0
ISHARES CORE MSCI EAFE COM 46432F842 1,252 15 SH SOLE 15 0 0
J.P. MORGAN CHASE AND CO (USA) COM 46625H100 4,690,164 16,178 SH SOLE 16,178 0 0
JOHNSON & JOHNSON (USA) COM 478160104 2,083,052 13,637 SH SOLE 13,637 0 0
JUMIA TECHNOLOGIES AG ADR COM 48138M105 9,849 2,450 SH SOLE 2,450 0 0
KYNDRYL HLDGS INC (USA) COM 50155Q100 2,434 58 SH SOLE 58 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 3,763 15 SH SOLE 15 0 0
LUCID GROUP INC COM 549498103 42 20 SH SOLE 20 0 0
LULULEMON ATHLETICA INC (USA) COM 000405723 2,376 10 SH SOLE 10 0 0
LVMH MOET HENNESSY LO-ADR (FRA) COM 000377807 846,468 8,057 SH SOLE 8,057 0 0
LYONDELLBASELL INDUSTRIES (USA) COM N53745100 650,289 11,239 SH SOLE 11,239 0 0
MASTERCARD INC COM 57636A104 56,194 100 SH SOLE 100 0 0
MCDONALD'S CORP (USA) COM 000430579 2,091,353 7,158 SH SOLE 7,158 0 0
MERCK CO INC-NEW (USA) COM 000435499 1,464,777 18,504 SH SOLE 18,504 0 0
META PLATFORMS (USA) COM 30303M102 2,578,886 3,494 SH SOLE 3,494 0 0
MICROSOFT CORP (USA) COM 594918104 9,009,090 18,112 SH SOLE 18,112 0 0
NESTLE S.A. SP/ADR-FOR REG (CHE) COM 641069406 1,813,484 18,259 SH SOLE 18,259 0 0
NEXTERA ENERGY INC (USA) COM 65339F101 1,443,728 20,797 SH SOLE 20,797 0 0
NIKE INC CL-B (USA) COM 654106103 17,405 245 SH SOLE 245 0 0
NOVARTIS ADR (CHE) COM 000505376 3,701,938 30,592 SH SOLE 30,592 0 0
NOVO-NORDISK A/S-ADR (DNK) COM 670100205 1,264,792 18,325 SH SOLE 18,325 0 0
NU HOLDINGS LTD CL A COM G6683N103 13,720 1,000 SH SOLE 1,000 0 0
OTIS WORLDWIDE CORP COM 68902V107 6,139 62 SH SOLE 62 0 0
PALANTIR TECHNOLOGIES INC COM 69608A108 6,816 50 SH SOLE 50 0 0
PEPSI CO (USA) COM 000538579 2,494,500 18,892 SH SOLE 18,892 0 0
PFIZER INC (USA) COM 717081103 299,558 12,358 SH SOLE 12,358 0 0
PROCTER & GAMBLE CO (USA) COM 742718109 2,271,903 14,260 SH SOLE 14,260 0 0
PROLOGIS INC (USA) COM 74340W103 868,922 8,266 SH SOLE 8,266 0 0
PRUDENTIAL FINANCIAL INC COM 744320102 1,279,181 11,906 SH SOLE 11,906 0 0
RAYTHEON TECHNOLOGIES COR COM 75513E101 36,505 250 SH SOLE 250 0 0
REPLIGEN CP COM 759916109 3,110 25 SH SOLE 25 0 0
RIO TINTO PLC SP/ADR (GBR) COM 767204100 667,704 11,447 SH SOLE 11,447 0 0
RIVIAN AUTOMOTIVE INC CL COM 76954A103 5,633 410 SH SOLE 410 0 0
S&P 500 BULL 3X DIREXION (USA) COM 25459W862 225,589 1,300 SH SOLE 1,300 0 0
SALESFORCE INC (USA) COM 79466L302 1,336,726 4,902 SH SOLE 4,902 0 0
SILVER NCI-RBC TROY OZ COM 000754694 10,799 300 SH SOLE 300 0 0
SOLVENTUM CORPORATION COM 83444M101 2,654 35 SH SOLE 35 0 0
SONY CORPORATION ADR (JPN) COM 835699307 1,410,331 54,181 SH SOLE 54,181 0 0
SPOTIFY TECHNOLOGY S.A. COM 0L8681T02 1,121,084 1,461 SH SOLE 1,461 0 0
TELADOC HEALTH INC COM 87918A105 3,902 448 SH SOLE 448 0 0
TJX COMPANIES COM 872540109 9,879 80 SH SOLE 80 0 0
TOTAL S.A. SP ADR (FRA) COM 000673786 49,112 800 SH SOLE 800 0 0
TOYOTA MOTOR CO LTD ADR (JPN) COM 892331307 1,971,860 11,447 SH SOLE 11,447 0 0
TRANE TECHNOLOGIES PLC COM G8994E103 543,701 1,243 SH SOLE 1,243 0 0
UBER (USA) COM 90353T100 1,277,837 13,696 SH SOLE 13,696 0 0
UNILEVER PLC ADS-EA REPR (GBR) COM 904767704 895,406 14,638 SH SOLE 14,638 0 0
UNION PACIFIC CORP (USA) COM 907818108 1,072,173 4,660 SH SOLE 4,660 0 0
UNITED HEALTH GROUP INC (USA) COM 000696401 871,956 2,795 SH SOLE 2,795 0 0
UNITY SOFTWARE INC COM 913320101 7,865 325 SH SOLE 325 0 0
VANGUARD INTERM GOVT BOND COM 92206C706 110,649 1,850 SH SOLE 1,850 0 0
VEOLIA ENVIRONNEMENT-ADR (FRA) COM 92334N103 827,383 46,352 SH SOLE 46,352 0 0
VISA INC CLASS-A (USA) COM 000711636 2,620,269 7,380 SH SOLE 7,380 0 0
WALMART STORES INC (USA) COM 000714160 2,480,581 25,369 SH SOLE 25,369 0 0
WELLS FARGO CO (USA) COM 949746101 413,820 5,165 SH SOLE 5,165 0 0
ZOETIS INC CL A COM 98978V103 10,917 70 SH SOLE 70 0 0