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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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
Apple COM 037833100 1,925,837 6,656 SH SOLE 6,656 0 0
iShares MSCI ACWI ETF MSCI ACWI ETF 464288257 274,022 1,746 SH SOLE 1,746 0 0
Adobe COM 00724F101 6,151 30 SH SOLE 30 0 0
Analog Devices COM 032654105 142,187 358 SH SOLE 358 0 0
Ameren Corp COM 023608102 14,495 128 SH SOLE 128 0 0
Aflac Inc COM 001055102 84,186 718 SH SOLE 718 0 0
Agco Corporation COM 001084102 42,853 358 SH SOLE 358 0 0
Ametek COM 031100100 57,824 239 SH SOLE 239 0 0
Amgen COM 031162100 87,995 243 SH SOLE 243 0 0
Ameriprise Financial COM 03076C106 54,592 119 SH SOLE 119 0 0
American Tower COM 03027X100 12,565 76 SH SOLE 76 0 0
Amazon.com COM 023135106 143,004 600 SH SOLE 600 0 0
Aon PLC CMN SHS CL A G0403H108 5,058 15 SH SOLE 15 0 0
Air Products & Chemicals COM 009158106 11,708 40 SH SOLE 40 0 0
Amphenol Corp CL-A (new) CMN Class A CL A 032095101 66,367 376 SH SOLE 376 0 0
Aptiv PLC New COM SHS G3265R107 6,813 111 SH SOLE 111 0 0
Barclays Select MLP ETN IPATH SELCT MLP 06742C723 676,202 19,587 SH SOLE 19,587 0 0
American Water Works COM 030420103 7,219 55 SH SOLE 55 0 0
Acuity Brands COM 00508Y102 44,823 119 SH SOLE 119 0 0
Bank of America COM 060505104 43,771 768 SH SOLE 768 0 0
Baxter Intl Inc COM 071813109 20,413 957 SH SOLE 957 0 0
Bank New York COM 064058100 450,026 3,112 SH SOLE 3,112 0 0
Bristol Myers Squibb COM 110122108 82,742 1,436 SH SOLE 1,436 0 0
Blackstone Group COM 09260D107 165,649 1,408 SH SOLE 1,408 0 0
Citigroup Inc COM NEW 172967424 66,169 473 SH SOLE 473 0 0
Carrier Global Corporation COM 14448C104 3,227 44 SH SOLE 44 0 0
Caterpillar Inc COM 149123101 3,195 3 SH SOLE 3 0 0
Church & Dwight Co Inc COM 171340102 46,309 478 SH SOLE 478 0 0
Charter CL A 16119P108 1,422 10 SH SOLE 10 0 0
CIGNA COM 125523100 462,040 1,676 SH SOLE 1,676 0 0
Colgate Palmolive COM 194162103 87,738 957 SH SOLE 957 0 0
Comcast CL A 20030N101 23,494 957 SH SOLE 957 0 0
ConocoPhillips COM 20825C104 130,389 1,254 SH SOLE 1,254 0 0
Crane Co New Com COMMON STOCK 224408104 53,314 239 SH SOLE 239 0 0
Crane HLDGS Co Com COM 224441105 53,314 239 SH SOLE 239 0 0
Crowdstrike CL A 22788C105 1,608,699 2,108 SH SOLE 2,108 0 0
Cisco Systems COM 17275R102 168,673 1,436 SH SOLE 1,436 0 0
Cintas Corp COM 172908105 40,214 236 SH SOLE 236 0 0
Corteva Inc COM 22052L104 34,554 408 SH SOLE 408 0 0
CVS Health COM 126650100 49,449 478 SH SOLE 478 0 0
Donaldson COM 257651109 42,910 478 SH SOLE 478 0 0
DuPont De Nemours Inc COMMON STOCK 26614N201 18,447 136 SH SOLE 136 0 0
Danaher COM 235851102 16,028 84 SH SOLE 84 0 0
HF Sinclair Corp Com COM 403949100 41,651 598 SH SOLE 598 0 0
Digital Realty Trust COM 253868103 405,340 2,257 SH SOLE 2,257 0 0
Dollar Tree Stores COM 256746108 115,749 957 SH SOLE 957 0 0
Dow COM 260557103 11,163 408 SH SOLE 408 0 0
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 2,321 34 SH SOLE 34 0 0
iShares MSCI Israel ETF MSCI ISRAEL ETF 464286632 6,760 56 SH SOLE 56 0 0
iShares MSCI EM-ex China ETF MSCI EMRG CHN 46434G764 358,459 3,504 SH SOLE 3,504 0 0
Equinix Inc. COM 29444U700 502,194 482 SH SOLE 482 0 0
EQT Corp Com COM 26884L109 1,701 32 SH SOLE 32 0 0
Eaton Corp SHS G29183103 50,665 119 SH SOLE 119 0 0
Edwards Lifesciences COM 28176E108 129,720 1,434 SH SOLE 1,434 0 0
Facebook CL A 30303M102 70,948 126 SH SOLE 126 0 0
Firstenergy Corp COM 337932107 1,189 25 SH SOLE 25 0 0
Fair Isaac Corp Com COM 303250104 176,827 148 SH SOLE 148 0 0
Fifth Third Bancorp COM 316773100 13,568 239 SH SOLE 239 0 0
iShares China Largecap CHINA LG-CAP ETF 464287184 6,878 218 SH SOLE 218 0 0
Corning Inc COM 219350105 489,148 1,915 SH SOLE 1,915 0 0
Alphabet (Google) Class C CAP STK CL C 02079K107 1,476,613 4,179 SH SOLE 4,179 0 0
Alphabet (Google) Class A CAP STK CL A 02079K305 1,500,954 4,200 SH SOLE 4,200 0 0
Goldman Sachs COM 38141G104 231,604 229 SH SOLE 229 0 0
Home Depot Inc COM 437076102 168,581 478 SH SOLE 478 0 0
Hilton Worldwide COM 43300A203 40,316 122 SH SOLE 122 0 0
Honeywell International Inc COM 438516205 448 2 SH SOLE 2 0 0
Honeywell Aerospace Inc Reg SHS COM 43849R105 442 2 SH SOLE 2 0 0
Humana Inc COM 444859102 47,375 119 SH SOLE 119 0 0
iShares Gold Trust ISHARES NEW 464285204 7,742,917 102,542 SH SOLE 102,542 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 25,497 264 SH SOLE 264 0 0
Intel COM 458140100 167,137 1,197 SH SOLE 1,197 0 0
Intuit Com COM 461202103 10,245,227 39,254 SH SOLE 39,254 0 0
Samsara Inc CL A COM CL A 79589L106 973 30 SH SOLE 30 0 0
Iqvia Holdings Inc CMN COM 46266C105 27,244 141 SH SOLE 141 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 392,805 525 SH SOLE 525 0 0
Johnson & Johnson COM 478160104 243,049 957 SH SOLE 957 0 0
JPMorgan Chase & Co COM 46625H100 562,613 1,719 SH SOLE 1,719 0 0
KraneShares California Carbon Allowance ETF CALIFORNIA CARB 500767553 1,340,940 78,856 SH SOLE 78,856 0 0
Quaker Chemical Corp COM 747316107 190,167 1,197 SH SOLE 1,197 0 0
Lockheed Martin COM 539830109 1,056 2 SH SOLE 2 0 0
Southwest Airlns Co COM 844741108 43,189 837 SH SOLE 837 0 0
Mercadolibre COM 58733R102 5,092 3 SH SOLE 3 0 0
Miami Intl HLDGS Inc COM 59356Q108 116,125 3,125 SH SOLE 3,125 0 0
Merck & Co Inc. COM 58933Y105 92,873 718 SH SOLE 718 0 0
MSCI Inc. CMN COM 55354G100 12,097 22 SH SOLE 22 0 0
Microsoft COM 594918104 1,471,036 3,944 SH SOLE 3,944 0 0
MSG Networks CL A 55825T103 217,395 541 SH SOLE 541 0 0
Nike CL B 654106103 3,083 74 SH SOLE 74 0 0
Net Lease Office COM 64110Y108 2,727 245 SH SOLE 245 0 0
Northrop Grumman COM 666807102 82,813 163 SH SOLE 166 0 0
ServiceNow COM 81762P102 8,935 90 SH SOLE 90 0 0
NRG Energy Inc COM NEW 629377508 1,899 13 SH SOLE 13 0 0
Northern Trust COM 665859104 41,739 239 SH SOLE 239 0 0
Nvidia COM 67066G104 30,069 150 SH SOLE 150 0 0
Organon & Co COMMON STOCK 68622V106 961 71 SH SOLE 71 0 0
Otis Worldwide COM 68902V107 1,575 22 SH SOLE 22 0 0
Payoneer Global Inc COM 70451X104 17,023,742 2,390,975 SH SOLE 2,390,975 0 0
PepsiCo COM 713448108 51,479 380 SH SOLE 380 0 0
Pfizer Inc. COM 717081103 74,937 3,112 SH SOLE 3,112 0 0
Prologis Inc Com COM 74340W103 3,949 29 SH SOLE 29 0 0
PARAMOUNT SKYDANCE CORP COM CL B 69932A204 238 24 SH SOLE 24 0 0
Phillips 66 Com COM 718546104 60,520 358 SH SOLE 358 0 0
Qnity Electronics Inc COMMON STOCK 74743L100 33,315 204 SH SOLE 204 0 0
Regions Financial COM 7591EP100 36,467 1,197 SH SOLE 1,197 0 0
Rivian Automotive Inc CL A COM CL A 76954A103 226 13 SH SOLE 13 0 0
Rockwell Automation COM 773903109 296,058 598 SH SOLE 598 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 4,735,381 22,256 SH SOLE 22,256 0 0
Raytheon Technologies COM 75513E101 8,348 44 SH SOLE 44 0 0
Schwab Charles Corp COM 808513105 28,028 304 SH SOLE 304 0 0
Sea Limited Ads Each SPONSORD ADS 81141R100 3,450 36 SH SOLE 36 0 0
Vaneck Semiconductor SEMICONDUCTR ETF 92189F676 179,058 273 SH SOLE 273 0 0
Solstice Advanced Materials Inc COM SHS 83443Q103 89 1 SH SOLE 1 0 0
SPDR Developed World Ex-US ETF ST STR PO EX ETF 78463X889 7,687,352 152,557 SH SOLE 152,557 0 0
SPDR Emerging Markets ETF ST PORT MARK ETF 78463X509 1,157,611 22,356 SH SOLE 22,356 0 0
S&P Global Inc Com COM 78409V104 14,924 37 SH SOLE 37 0 0
SPDR Ser TR Portfli (high YLD) ST PORT HIGH ETF 78468R606 107,730 4,596 SH SOLE 4,596 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 911,884 1,218 SH SOLE 1,218 0 0
Sportradar Group AG CLASS A ORD SHS H8088L103 266,462 17,800 SH SOLE 17,800 0 0
Steel Dynamics Inc COM 858119100 82,336 358 SH SOLE 358 0 0
AT&T COM 00206R102 74,334 3,591 SH SOLE 3,591 0 0
Trulieve Cannabis SUB VTG SHS 89788C104 10,931 1,112 SH SOLE 1,112 0 0
Tilray Brands Inc COM 88688T209 2,757 614 SH SOLE 614 0 0
Thermo Fisher COM 883556102 17,677 35 SH SOLE 35 0 0
Tortoise North American Pipeline Fund NORTH AMRCN PIPE 890930308 2,867,509 68,388 SH SOLE 68,388 0 0
Price T Rowe Group Inc Com COM 74144T108 949 8 SH SOLE 8 0 0
Travelers Companies COM 89417E109 82,530 250 SH SOLE 250 0 0
Texas Instruments COM 882508104 80,804 271 SH SOLE 271 0 0
Unitedhealth Group COM 91324P102 24,905 60 SH SOLE 60 0 0
Union Pacific COM 907818108 19,178 71 SH SOLE 71 0 0
Univest Financial COM 915271100 114,756 2,623 SH SOLE 2,623 0 0
Visa COM CL A 92826C839 60,358 176 SH SOLE 176 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,345,776 3,680 SH SOLE 3,680 0 0
Vanguard Small-Cap Value ETF SM CP VAL ETF 922908611 1,104,390 4,545 SH SOLE 4,545 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 19,468,778 273,246 SH SOLE 273,246 0 0
Versigent LTD ORDINARY SHARES G9600F104 1,554 37 SH SOLE 37 0 0
Vanguard Sector INF TECH ETF 92204A702 354,735 2,968 SH SOLE 2,968 0 0
Veralto Corp COM SHS 92338C103 2,419 27 SH SOLE 27 0 0
Vulcan Materials Co CMN COM 929160109 26,993 91 SH SOLE 91 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 20,409,933 29,717 SH SOLE 29,717 0 0
Vanguard S&P 500 Growth ETF 500 GRTH IDX F 921932505 574,044 6,948 SH SOLE 6,948 0 0
Verisk Analytics Inc COM 92345Y106 221,001 1,231 SH SOLE 1,231 0 0
Versant Media Group Inc COM CL A 925283103 1,368 38 SH SOLE 38 0 0
Vanguard Total World Stock Index ETF TT WRLD ST ETF 922042742 591,702 3,770 SH SOLE 3,770 0 0
Vanguard Total US Stock Market ETF TOTAL STK MKT 922908769 63,165,236 170,698 SH SOLE 170,698 0 0
Viatris Inc COM 92556V106 6,130 386 SH SOLE 386 0 0
Vanguard Value Index Fund ETF VALUE ETF 922908744 1,332,206 6,113 SH SOLE 6,113 0 0
Vanguard Growth Index Fund ETF GROWTH ETF 922908736 6,326,392 73,443 SH SOLE 73,443 0 0
Vanguard Large-Cap (index Fund) LARGE CAP ETF 922908637 1,678,158 4,880 SH SOLE 4,880 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 10,076,570 168,815 SH SOLE 168,815 0 0
Verizon Communications COM 92343V104 40,519 957 SH SOLE 957 0 0
Warner Bros Discovery Inc COM SER A 934423104 23,141 868 SH SOLE 868 0 0
Wells Fargo & Co COM 949746101 82,640 1,000 SH SOLE 1,000 0 0
Walmart COM 931142103 40,434 357 SH SOLE 357 0 0
WP Carey Inc COM 92936U109 264,768 3,655 SH SOLE 3,655 0 0
Columbia ETF TR II Columbia Em Core Ex China ETF EM CORE EX ETF 19762B202 65,307 1,235 SH SOLE 1,235 0 0
Exxon Mobil COM 30231G102 213,418 1,561 SH SOLE 1,561 0 0
Zoetis Inc Com CL A 98978V103 7,100 99 SH SOLE 99 0 0