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 22,667 140 SH SOLE 140 0 0
ABBOTT LABS (USA) COM 000001388 18,602 205 SH SOLE 205 0 0
ACASTI PHARMA INC (USA) COM 004390104 5 2 SH SOLE 2 0 0
ACCENTURE (IRL) COM G1151C101 1,054,753 8,476 SH SOLE 8,476 0 0
AFLAC INC (USA) COM 001055102 3,518 30 SH SOLE 30 0 0
AIRBUS SE UNSPONS ADR (FRA) COM 009279100 1,163,096 20,919 SH SOLE 20,919 0 0
ALIBABA GROUP HOLDING ADR (USA) COM 01609W102 1,920 20 SH SOLE 20 0 0
ALPHABET INC CL-A (USA) COM 02079K305 4,852,727 13,579 SH SOLE 13,579 0 0
AMAZON COM INC (USA) COM 000018888 3,479,764 14,600 SH SOLE 14,600 0 0
AMERICA MOVIL S.A.B. DE C (USA) COM 02390A101 46,782 1,800 SH SOLE 1,800 0 0
AMERICAN EAGLE OUTFITTERS (USA) COM 02553E106 482 28 SH SOLE 28 0 0
AMERICAN TOWER CORP (USA) COM 000019691 1,330,969 8,137 SH SOLE 8,137 0 0
API GROUP CORP (USA) COM 00187Y100 26,681 630 SH SOLE 630 0 0
APPLE INC (USA) COM 037833100 7,638,525 26,398 SH SOLE 26,398 0 0
ARISTA NETWORKS INC COM 040413205 849 5 SH SOLE 5 0 0
ASTRAZENECA PLC ADR (USA) COM 046353108 1,395,505 7,412 SH SOLE 7,412 0 0
AT & T INC (USA) COM 00206R102 25,068 1,211 SH SOLE 1,211 0 0
BANCO SANTAN CEN HISP-ADR (ESP) COM 05964H105 2,376,857 172,236 SH SOLE 172,236 0 0
BANK OF AMERICA (USA) COM 060505104 1,949,799 34,219 SH SOLE 34,219 0 0
BERKSHIRE HATHAWAY-B-NEW (USA) COM 084670702 3,148,954 6,293 SH SOLE 6,293 0 0
BHP BILLITON LTD S/ADR (AUS) COM 088606108 1,460,174 17,527 SH SOLE 17,527 0 0
BOEING COMPANY (USA) COM 097023105 24,894 115 SH SOLE 115 0 0
BRITISH PETE ADR - PLC (GBR) COM 055622104 849,074 22,979 SH SOLE 22,979 0 0
BROADCOM LTD (USA) COM 11135F101 3,088,484 8,176 SH SOLE 8,176 0 0
CARNIVAL CORPORATION LTD COM G2004J103 5,743 201 SH SOLE 201 0 0
CARRIER GLOBAL CORPORATIO (USA) COM 14448C104 18,704 255 SH SOLE 255 0 0
CHEVRON CORP (USA) COM 166764100 87,024 525 SH SOLE 525 0 0
CHUBB LTD (USA) COM H1467J104 3,407 10 SH SOLE 10 0 0
CISCO SYSTEMS INC (USA) COM 17275R102 3,472,353 29,562 SH SOLE 29,562 0 0
CONSTELLATION ENERGY CORP (USA) COM 21037T109 41,229 166 SH SOLE 166 0 0
CUMMINS INC (USA) COM 231021106 3,566 5 SH SOLE 5 0 0
DANAHER CORP (USA) COM 235851102 17,715 93 SH SOLE 93 0 0
DIAGEO PLC SP/ADR (GBR) COM 25243Q205 49,112 611 SH SOLE 611 0 0
DOVER CORP (USA) COM 260003108 2,243 10 SH SOLE 10 0 0
ELEVANCE HEALTH INC (USA) COM 036752103 1,934 5 SH SOLE 5 0 0
ETF - DVYE EMERGING DIV (USA) COM 464286319 668,450 20,740 SH SOLE 20,740 0 0
ETF - EMXC EMRG MKTS EX CHINA ISHARE (USA) COM 46434G764 12,560,087 122,777 SH SOLE 122,777 0 0
ETF - HDV US DIVIDEND75 (USA) COM 46429B663 2,276,812 83,065 SH SOLE 83,065 0 0
ETF - IBB US BIOTECH (USA) COM 464287556 1,004,203 5,280 SH SOLE 5,280 0 0
ETF - IVOO VANGUARD S&P MIDCAP 400 ETF (USA) COM 921932885 10,675,196 81,865 SH SOLE 81,865 0 0
ETF - IWM US RUSSELL2000 (USA) COM 464287655 9,972,837 33,193 SH SOLE 33,193 0 0
ETF - QQQ INVESCO TRUST (USA) COM 46090E103 22,219,397 30,173 SH SOLE 30,173 0 0
ETF - SHORT TREASURY BOND ISHAR (USA) COM 464288679 463,470 4,200 SH SOLE 4,200 0 0
ETF - SPSM SPDR S&P 600 SMALL CAP (USA) COM 78468R853 2,977,214 51,625 SH SOLE 51,625 0 0
ETF - SPY US S&P500 (USA) COM 78462F103 28,702,105 38,435 SH SOLE 38,435 0 0
ETF - VEA DEV MKT (USA) COM 921943858 23,201,209 325,631 SH SOLE 325,631 0 0
ETF - VSS WORLD SMALL (USA) COM 922042718 126,518 820 SH SOLE 820 0 0
ETF - VWO EMERGING MKTS (USA) COM 922042858 15,542,918 260,394 SH SOLE 260,394 0 0
ETF DMXF - ISHRS ESG EAFE-xFF (USA) COM 46436E759 114,548 1,354 SH SOLE 1,354 0 0
ETF EMXF - ISHRS ESG EM-xFF (USA) COM 46436E742 125,103 2,159 SH SOLE 2,159 0 0
ETF USXF - ISHRS ESG US-xFF (USA) COM 46436E767 167,027 2,405 SH SOLE 2,405 0 0
ETF-RSP INVESCO SP500 EQ WGT ETF (USA) COM 46137V357 22,502,768 105,761 SH SOLE 105,761 0 0
EXXON MOBIL CORP (USA) COM 000255969 3,461,614 25,319 SH SOLE 25,319 0 0
FEDEX FREIGHT HOLDING COM COM 314352105 7,550 50 SH SOLE 50 0 0
FIVERR INTERNATIONAL LTD (USA) COM 0M4R8T106 21 2 SH SOLE 2 0 0
GE AEROSPACE (USA) COM 369604301 1,651,887 4,420 SH SOLE 4,420 0 0
GE VERNOVA INC (USA) COM 36827A101 1,497,947 1,275 SH SOLE 1,275 0 0
HCA HOLDINGS INC (USA) COM 40412C101 3,899 10 SH SOLE 10 0 0
HOME DEPOT INC (USA) COM 437076102 2,917,369 8,272 SH SOLE 8,272 0 0
HONEYTREE U.S. EQUITY ETF (USA) COM 02072L326 3,389 100 SH SOLE 100 0 0
HSBC HOLDINGS PLC-SP ADR (GBR) COM 404280406 2,992,007 31,465 SH SOLE 31,465 0 0
INTEL CORP (USA) COM 458140100 252,032 1,805 SH SOLE 1,805 0 0
INTERM CORP BOND VANGUARD COM 92206C870 17,770 215 SH SOLE 215 0 0
INTUIT INC COM 461202103 3,654 14 SH SOLE 14 0 0
INVESCO MSCI SUSTAINABLE (USA) COM 46137V407 473 10 SH SOLE 10 0 0
ISHARES CORE MSCI EAFE (USA) COM 46432F842 1,449 15 SH SOLE 15 0 0
J.P. MORGAN CHASE AND CO (USA) COM 46625H100 5,028,443 15,362 SH SOLE 15,362 0 0
JOHNSON & JOHNSON (USA) COM 478160104 3,231,006 12,722 SH SOLE 12,722 0 0
KEYSIGHT TECHNOLOGIES INC (USA) COM 49338L103 32,557 93 SH SOLE 93 0 0
KYNDRYL HLDGS INC (USA) COM 50155Q100 57 5 SH SOLE 5 0 0
LAM RESEARCH CORP COM 512807306 7,367 17 SH SOLE 17 0 0
LIST FD ROUNDHILL MAG ETF (USA) COM 53656G498 10,931 170 SH SOLE 170 0 0
LUCID GROUP INC-NEW (USA) COM 549498202 13 2 SH SOLE 2 0 0
LVMH MOET HENNESSY LO-ADR (FRA) COM 000377807 754,292 6,820 SH SOLE 6,820 0 0
MARVELL TECHNOLOGY INC (USA) COM 573874104 4,766 16 SH SOLE 16 0 0
MASTERCARD INC (USA) COM 57636A104 27,221 53 SH SOLE 53 0 0
MCDONALD'S CORP (USA) COM 000430579 2,271,956 8,405 SH SOLE 8,405 0 0
MERCK CO INC-NEW (USA) COM 000435499 1,011,167 7,869 SH SOLE 7,869 0 0
META PLATFORMS (USA) COM 30303M102 2,205,280 3,915 SH SOLE 3,915 0 0
MICRON TECHNOLOGY INC (USA) COM 595112103 4,158,907 3,603 SH SOLE 3,603 0 0
MICROSOFT CORP (USA) COM 594918104 7,617,814 20,422 SH SOLE 20,422 0 0
NESTLE S.A. SP/ADR-FOR REG (CHE) COM 641069406 1,802,928 17,557 SH SOLE 17,557 0 0
NEXTERA ENERGY INC (USA) COM 65339F101 2,018,447 22,997 SH SOLE 22,997 0 0
NIKE INC CL-B (USA) COM 654106103 2,053 50 SH SOLE 50 0 0
NOVARTIS ADR (CHE) COM 000505376 3,975,360 25,366 SH SOLE 25,366 0 0
NOVO-NORDISK A/S-ADR (DNK) COM 670100205 966,758 20,166 SH SOLE 20,166 0 0
NU HOLDINGS LTD CL A (USA) COM G6683N103 13,360 1,000 SH SOLE 1,000 0 0
PALANTIR TECHNOLOGIES INC (USA) COM 69608A108 5,834 50 SH SOLE 50 0 0
PEPSI CO (USA) COM 713448108 2,930,327 21,642 SH SOLE 21,642 0 0
PFIZER INC (USA) COM 717081103 875,766 36,369 SH SOLE 36,369 0 0
PROCTER & GAMBLE CO (USA) COM 742718109 2,612,098 17,813 SH SOLE 17,813 0 0
PROLOGIS INC (USA) COM 74340W103 1,248,221 9,214 SH SOLE 9,214 0 0
PRUDENTIAL FINANCIAL INC (USA) COM 744320102 1,352,255 12,529 SH SOLE 12,529 0 0
RAYTHEON TECHNOLOGIES COR (USA) COM 75513E101 47,433 250 SH SOLE 250 0 0
RB GLOBAL INC COM 749351107 6,042 52 SH SOLE 52 0 0
RIO TINTO PLC SP/ADR (GBR) COM 767204100 1,039,673 10,952 SH SOLE 10,952 0 0
RIVIAN AUTOMOTIVE INC CL (USA) COM 76954A103 7,114 410 SH SOLE 410 0 0
SALESFORCE INC (USA) COM 79466L302 11,750 75 SH SOLE 75 0 0
SCHWAB US DIVIDEND EQUITY COM 808524797 793 25 SH SOLE 25 0 0
SERVICENOW INC (USA) COM 81762P102 22,834 230 SH SOLE 230 0 0
SILVER NCI-RBC TROY OZ COM 000754694 17,586 300 SH SOLE 300 0 0
SOLSTICE ADVANCED MATERIAL (USA) COM 83443Q103 6,822 77 SH SOLE 77 0 0
SOLVENTUM CORPORATION (USA) COM 83444M101 772 10 SH SOLE 10 0 0
SONY CORPORATION ADR (JPN) COM 835699307 1,238,464 61,738 SH SOLE 61,738 0 0
SPACE EXPLORATION TECHNOL COM 84615Q103 1,709 10 SH SOLE 10 0 0
SPIRE GLOBAL INC CL-A (USA) COM 848560306 16,275 875 SH SOLE 875 0 0
SPOTIFY TECHNOLOGY S.A. (SWE) COM 0L8681T02 773,175 1,684 SH SOLE 1,684 0 0
SPROTT ACTIVE METALS & MI (USA) COM 85208P857 102,880 4,000 SH SOLE 4,000 0 0
THERMO FISHER SCIENTIFIC (USA) COM 883556102 1,504 3 SH SOLE 3 0 0
TOTALENERGIES SE ADR (USA) COM F92124100 62,208 800 SH SOLE 800 0 0
TOYOTA MOTOR CO LTD ADR (JPN) COM 892331307 1,876,536 11,142 SH SOLE 11,142 0 0
TRANE TECHNOLOGIES PLC (USA) COM G8994E103 537,820 1,095 SH SOLE 1,095 0 0
TRUIST FINANCIAL CORP (USA) COM 89832Q109 9,964 200 SH SOLE 200 0 0
UBER (USA) COM 90353T100 1,166,322 16,163 SH SOLE 16,163 0 0
UNILEVER PLC ADR (USA) COM 904767803 1,143,362 19,018 SH SOLE 19,018 0 0
UNION PACIFIC CORP (USA) COM 907818108 204,272 751 SH SOLE 751 0 0
UNITED HEALTH GROUP INC (USA) COM 000696401 1,724,033 4,148 SH SOLE 4,148 0 0
VANGUARD INTERM GOVT BOND (USA) COM 92206C706 109,113 1,850 SH SOLE 1,850 0 0
VANGUARD TOTAL INTL STOCK ETF (USA) COM 921909768 52,576 615 SH SOLE 615 0 0
VEOLIA ENVIRONNEMENT-ADR (FRA) COM 92334N103 898,620 43,151 SH SOLE 43,151 0 0
VERTIV HOLDINGS LLC. COM 92537N108 1,004 3 SH SOLE 3 0 0
VISA INC CLASS-A (USA) COM 000711636 2,664,094 7,765 SH SOLE 7,765 0 0
WALMART STORES INC (USA) COM 000714160 2,736,588 24,162 SH SOLE 24,162 0 0
WELLS FARGO CO (USA) COM 949746101 418,985 5,070 SH SOLE 5,070 0 0