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
ABBVIE INC COM 00287Y109 289,567 1,560 SH SOLE 1,560 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 200,555 671 SH SOLE 671 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 405,441 3,575 SH SOLE 3,575 0 0
ALKERMES PLC SHS G01767105 1,080,743 37,775 SH SOLE 37,775 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 385,844 9,450 SH SOLE 9,450 0 0
ALLSTATE CORP COM 020002101 2,666,754 13,247 SH SOLE 13,247 0 0
ALLY FINL INC COM 02005N100 803,889 20,639 SH SOLE 20,639 0 0
ALPHABET INC CAP STK CL A 02079K305 200,902 1,140 SH SOLE 1,140 0 0
ALPHABET INC CAP STK CL C 02079K107 5,005,236 28,216 SH SOLE 28,216 0 0
AMAZON COM INC COM 023135106 594,328 2,709 SH SOLE 2,709 0 0
AMGEN INC COM 031162100 1,073,004 3,843 SH SOLE 3,843 0 0
APPLE INC COM 037833100 1,822,525 8,883 SH SOLE 8,883 0 0
AT&T INC COM 00206R102 851,328 29,417 SH SOLE 29,417 0 0
BANK NEW YORK MELLON CORP COM 064058100 2,017,631 22,145 SH SOLE 22,145 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 617,918 6,440 SH SOLE 6,440 0 0
CARDINAL HEALTH INC COM 14149Y108 688,968 4,101 SH SOLE 4,101 0 0
CBOE GLOBAL MKTS INC COM 12503M108 235,542 1,010 SH SOLE 1,010 0 0
CLARIVATE PLC ORD SHS G21810109 73,100 17,000 SH SOLE 17,000 0 0
CNA FINL CORP COM 126117100 1,884,698 40,505 SH SOLE 40,505 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 493,930 6,330 SH SOLE 6,330 0 0
COMCAST CORP NEW CL A 20030N101 1,474,354 41,310 SH SOLE 41,310 0 0
CVS HEALTH CORP COM 126650100 1,828,177 26,503 SH SOLE 26,503 0 0
DELUXE CORP COM 248019101 379,692 23,865 SH SOLE 23,865 0 0
DXC TECHNOLOGY CO COM 23355L106 233,249 15,255 SH SOLE 15,255 0 0
EURONET WORLDWIDE INC COM 298736109 406,027 4,005 SH SOLE 4,005 0 0
FEDEX CORP COM 31428X106 229,583 1,010 SH SOLE 1,010 0 0
FIDELITY NATIONAL FINANCIAL COM SHS 31620R303 301,210 5,373 SH SOLE 5,373 0 0
FIRST AMERN FINL CORP COM 31847R102 389,949 6,352 SH SOLE 6,352 0 0
FORD MTR CO COM 345370860 225,138 20,750 SH SOLE 20,750 0 0
GSK PLC SPONSORED ADR 37733W204 792,730 20,644 SH SOLE 20,644 0 0
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308 1,405,895 48,765 SH SOLE 48,765 0 0
ILLINOIS TOOL WKS INC COM 452308109 537,522 2,174 SH SOLE 2,174 0 0
INDIA FD INC COM 454089103 178,904 10,823 SH SOLE 10,823 0 0
INFOSYS LTD SPONSORED ADR 456788108 2,534,255 136,765 SH SOLE 136,765 0 0
INTEL CORP COM 458140100 670,790 29,946 SH SOLE 29,946 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 391,664 710 SH SOLE 710 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 2,180,802 29,089 SH SOLE 29,089 0 0
ISHARES INC MSCI ITALY ETF 46434G830 351,422 7,300 SH SOLE 7,300 0 0
ISHARES INC MSCI EURZONE ETF 464286608 2,162,910 36,382 SH SOLE 36,382 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 592,387 12,280 SH SOLE 12,280 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 876,026 7,356 SH SOLE 7,356 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 638,954 2,961 SH SOLE 2,961 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 900,068 16,890 SH SOLE 16,890 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,774,372 33,631 SH SOLE 33,631 0 0
ISHARES TR SHORT TREAS BD 464288679 701,167 6,350 SH SOLE 6,350 0 0
ISHARES TR U.S. TECH ETF 464287721 1,166,107 6,730 SH SOLE 6,730 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,219,101 13,638 SH SOLE 13,638 0 0
ISHARES TR LATN AMER 40 ETF 464287390 212,432 8,105 SH SOLE 8,105 0 0
ISHARES TR IBOXX INV CP ETF 464287242 522,511 4,767 SH SOLE 4,767 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 3,307,495 64,827 SH SOLE 64,827 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,712,708 26,360 SH SOLE 26,360 0 0
ISHARES TR EAFE GRWTH ETF 464288885 218,400 1,950 SH SOLE 1,950 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,404,178 19,320 SH SOLE 19,320 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 1,065,886 13,208 SH SOLE 13,208 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 496,277 51,481 SH SOLE 51,481 0 0
JAZZ PHARMACEUTICALS PLC SHS USD G50871105 435,092 4,100 SH SOLE 4,100 0 0
JOHNSON & JOHNSON COM 478160104 979,586 6,413 SH SOLE 6,413 0 0
KINDER MORGAN INC DEL COM 49456B101 1,565,726 53,256 SH SOLE 53,256 0 0
LCI INDS COM 50189K103 457,865 5,021 SH SOLE 5,021 0 0
LOCKHEED MARTIN CORP COM 539830109 276,031 596 SH SOLE 596 0 0
M & T BK CORP COM 55261F104 228,132 1,176 SH SOLE 1,176 0 0
MCKESSON CORP COM 58155Q103 4,122,620 5,626 SH SOLE 5,626 0 0
MEDTRONIC PLC SHS G5960L103 763,609 8,760 SH SOLE 8,760 0 0
MELCO RESORTS AND ENTMNT LTD ADR 585464100 80,361 11,115 SH SOLE 11,115 0 0
MERCADOLIBRE INC COM 58733R102 953,975 365 SH SOLE 365 0 0
MEXICO FD INC COM 592835102 641,990 36,539 SH SOLE 36,539 0 0
MICROSOFT CORP COM 594918104 1,062,468 2,136 SH SOLE 2,136 0 0
NEW GERMANY FD INC COM 644465106 390,319 32,690 SH SOLE 32,690 0 0
NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103 980,972 5,672 SH SOLE 5,672 0 0
NOKIA CORP SPONSORED ADR 654902204 62,963 12,155 SH SOLE 12,155 0 0
OLD REP INTL CORP COM 680223104 1,703,084 44,305 SH SOLE 44,305 0 0
OLIN CORP COM PAR $1 680665205 308,783 15,370 SH SOLE 15,370 0 0
OMNICOM GROUP INC COM 681919106 625,878 8,700 SH SOLE 8,700 0 0
ORACLE CORP COM 68389X105 2,097,318 9,593 SH SOLE 9,593 0 0
PAYPAL HLDGS INC COM 70450Y103 779,171 10,484 SH SOLE 10,484 0 0
PERRIGO CO PLC SHS G97822103 1,072,113 40,124 SH SOLE 40,124 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 235,814 18,850 SH SOLE 18,850 0 0
PHOTRONICS INC COM 719405102 491,651 26,110 SH SOLE 26,110 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,011,424 20,007 SH SOLE 20,007 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,616,614 30,043 SH SOLE 30,043 0 0
POPULAR INC COM NEW 733174700 605,604 5,495 SH SOLE 5,495 0 0
QORVO INC COM 74736K101 372,245 4,384 SH SOLE 4,384 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 1,262,294 19,042 SH SOLE 19,042 0 0
RIO TINTO PLC SPONSORED ADR 767204100 250,819 4,300 SH SOLE 4,300 0 0
RTX CORPORATION COM 75513E101 1,005,932 6,889 SH SOLE 6,889 0 0
SALLY BEAUTY HLDGS INC COM 79546E104 133,344 14,400 SH SOLE 14,400 0 0
SANOFI SPONSORED ADR 80105N105 556,773 11,525 SH SOLE 11,525 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 434,095 8,289 SH SOLE 8,289 0 0
SHELL PLC SPON ADS 780259305 821,826 11,672 SH SOLE 11,672 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,647,806 2,667 SH SOLE 2,667 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 216,899 2,496 SH SOLE 2,496 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200 1,994,239 64,685 SH SOLE 64,685 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 445,081 5,015 SH SOLE 5,015 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359 2,208,679 26,720 SH SOLE 26,720 0 0
STARBUCKS CORP COM 855244109 258,855 2,825 SH SOLE 2,825 0 0
TAIWAN FD INC COM 874036106 377,300 8,420 SH SOLE 8,420 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 4,149,523 18,321 SH SOLE 18,321 0 0
TC ENERGY CORP COM 87807B107 553,327 11,341 SH SOLE 11,341 0 0
TELEFONICA BRASIL SA SPONSORED ADS 87936R205 84,119 16,084 SH SOLE 16,084 0 0
THE CIGNA GROUP COM 125523100 499,837 1,512 SH SOLE 1,512 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,694,345 23,068 SH SOLE 23,068 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,426,581 23,238 SH SOLE 23,238 0 0
TOYOTA MOTOR CORP ADS 892331307 939,678 5,455 SH SOLE 5,455 0 0
TRAVELERS COMPANIES INC COM 89417E109 432,612 1,617 SH SOLE 1,617 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 635,044 2,210 SH SOLE 2,210 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 496,351 2,740 SH SOLE 2,740 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,715,353 39,643 SH SOLE 39,643 0 0
VISTRA CORP COM 92840M102 501,968 2,590 SH SOLE 2,590 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 319,342 29,957 SH SOLE 29,957 0 0
WINNEBAGO INDS INC COM 974637100 300,005 10,345 SH SOLE 10,345 0 0
WP CAREY INC COM 92936U109 509,457 8,167 SH SOLE 8,167 0 0
WPP PLC NEW ADR 92937A102 302,311 8,635 SH SOLE 8,635 0 0