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 410,173 1,568 SH SOLE 1,568 0 0
ALPHABET INC CAP STK CL A 02079K305 324,123 942 SH SOLE 942 0 0
ALPHABET INC CAP STK CL C 02079K107 4,950,192 14,527 SH SOLE 14,527 0 0
ALTRIA GROUP INC COM 02209S103 1,209,951 17,967 SH SOLE 17,967 0 0
AMAZON COM INC COM 023135106 5,483,414 22,008 SH SOLE 22,008 0 0
AMBEV SA SPONSORED ADR 02319V103 937,869 321,188 SH SOLE 321,188 0 0
APPLE INC COM 037833100 761,477 2,286 SH SOLE 2,286 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 6,527,606 3,603 SH SOLE 3,603 0 0
BLOOM ENERGY CORP COM CL A 093712107 1,674,621 6,046 SH SOLE 6,046 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,966,474 31,514 SH SOLE 31,514 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,258,762 23,139 SH SOLE 23,139 0 0
BROADCOM INC COM 11135F101 4,490,213 12,785 SH SOLE 12,785 0 0
CANADIAN NAT RES LTD MED TER COM 136385101 787,246 16,725 SH SOLE 16,725 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 278,140 5,070 SH SOLE 5,070 0 0
CELESTICA INC COM 15101Q207 1,648,665 4,545 SH SOLE 4,545 0 0
CENTENE CORP DEL COM 15135B101 435,275 7,007 SH SOLE 7,007 0 0
CHEVRON CORPORATION COM 166764100 308,991 1,513 SH SOLE 1,513 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 2,257,899 2,480 SH SOLE 2,480 0 0
DEERE & CO COM 244199105 284,737 424 SH SOLE 424 0 0
ELI LILLY & CO COM 532457108 4,627,163 3,999 SH SOLE 3,999 0 0
EMERSON ELEC CO COM 291011104 248,160 1,600 SH SOLE 1,600 0 0
ENBRIDGE INC COM 29250N105 2,626,515 56,366 SH SOLE 56,366 0 0
ETFIS SER TR I VIRTUS REAVES UT 26923G806 9,571,687 136,387 SH SOLE 136,387 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 1,377,745 58,878 SH SOLE 58,878 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 275,303 2,750 SH SOLE 2,750 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 3,162,527 31,845 SH SOLE 31,845 0 0
INTUIT COM 461202103 1,368,897 4,964 SH SOLE 4,964 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 989,343 4,756 SH SOLE 4,756 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 17,111,600 314,378 SH SOLE 314,378 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,006,195 1,360 SH SOLE 1,360 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 400,533 6,680 SH SOLE 6,680 0 0
ISHARES INC MSCI JAPAN ETF 46434G822 8,199,992 84,137 SH SOLE 84,137 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 5,612,681 150,676 SH SOLE 150,676 0 0
ISHARES TR MSCI EAFE ETF 464287465 18,341,257 176,544 SH SOLE 176,544 0 0
ISHARES TR CORE US AGGBD ET 464287226 26,777,812 283,243 SH SOLE 283,243 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 412,923 3,742 SH SOLE 3,742 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 212,261 2,129 SH SOLE 2,129 0 0
ISHARES TR CORE S&P500 ETF 464287200 15,763,667 20,583 SH SOLE 20,583 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,557,335 19,179 SH SOLE 19,179 0 0
ISHARES TR TIPS BD ETF 464287176 15,673,124 150,645 SH SOLE 150,645 0 0
JPMORGAN CHASE & CO COM 46625H100 242,175 732 SH SOLE 732 0 0
KRANESHARES TRUST MOUNT LUCAS ETF 500767652 9,549,582 307,159 SH SOLE 307,159 0 0
LUMENTUM HLDGS INC COM 55024U109 1,697,762 1,748 SH SOLE 1,748 0 0
MASTERCARD INCORPORATED CL A 57636Q104 330,882 600 SH SOLE 600 0 0
MCKESSON CORP COM 58155Q103 244,190 286 SH SOLE 286 0 0
MERCADOLIBRE INC COM 58733R102 2,675,764 1,548 SH SOLE 1,548 0 0
MICRON TECHNOLOGY INC COM 595112103 2,219,689 2,084 SH SOLE 2,084 0 0
MICROSOFT CORP COM 594918104 3,234,664 6,306 SH SOLE 6,306 0 0
MOODYS CORP COM 615369105 433,694 955 SH SOLE 955 0 0
NASDAQ INC COM 631103108 240,422 2,613 SH SOLE 2,613 0 0
NEBIUS GROUP N.V. SHS CLASS A N97284108 1,295,689 5,493 SH SOLE 5,493 0 0
NETFLIX INC. COM 64110L106 1,680,427 24,151 SH SOLE 24,151 0 0
NORFOLK SOUTHN CORP COM 655844108 266,358 862 SH SOLE 862 0 0
NOVO-NORDISK A S ADR 670100205 1,597,452 42,138 SH SOLE 42,138 0 0
NVIDIA CORPORATION COM 67066G104 10,211,378 44,712 SH SOLE 44,712 0 0
ORACLE CORP COM 68389X105 282,289 2,056 SH SOLE 2,056 0 0
PACER FDS TR US CASH COWS 100 69374H881 9,643,439 144,449 SH SOLE 144,449 0 0
PARKER-HANNIFIN CORP COM 701094104 594,271 622 SH SOLE 622 0 0
PEPSICO INC COM 713448108 955,722 7,542 SH SOLE 7,542 0 0
PETROLEO BRASILEIRO S A SPONSORED ADR 71654V408 3,125,568 149,763 SH SOLE 149,763 0 0
PFIZER INC COM 717081103 1,548,493 54,295 SH SOLE 54,295 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 209,087 4,227 SH SOLE 4,227 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,606,273 7,227 SH SOLE 7,227 0 0
PROGRESSIVE CORP COM 743315103 2,104,611 10,152 SH SOLE 10,152 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 8,498,386 157,086 SH SOLE 157,086 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 1,633,976 6,146 SH SOLE 6,146 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 410,141 11,415 SH SOLE 11,415 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 819,569 25,194 SH SOLE 25,194 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 229,673 7,836 SH SOLE 7,836 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 11,670,683 189,767 SH SOLE 189,767 0 0
SHERWIN WILLIAMS CO COM 824348106 289,327 895 SH SOLE 895 0 0
SK HYNIX INC AMERICAN DEPOSIT 78392B206 1,199,001 6,511 SH SOLE 6,511 0 0
SPDR SERIES TRUST ST STR SP METAL 78464A755 7,186,372 69,393 SH SOLE 69,393 0 0
STARBUCKS CORP COM 855244109 1,035,721 11,023 SH SOLE 11,023 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,077,838 1,413 SH SOLE 1,413 0 0
STRATEGIC TRUST RUNNING GWTH ETF 48817R870 4,452,221 136,991 SH SOLE 136,991 0 0
T ROWE PRICE EXCHANGE-TRADED PRICE BLUE CHIP 87283Q107 966,559 18,801 SH SOLE 18,801 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 5,708,722 12,513 SH SOLE 12,513 0 0
TESLA INC COM 88160R101 674,700 1,901 SH SOLE 1,901 0 0
TJX COS INC NEW COM 872540109 263,917 1,994 SH SOLE 1,994 0 0
TRUIST FINL CORP COM 89832Q109 474,112 10,240 SH SOLE 10,240 0 0
UNITED PARCEL SVCS INC CL B 911312106 1,018,589 10,901 SH SOLE 10,901 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,415,093 3,855 SH SOLE 3,855 0 0
VANECK ETF TRUST IG FLOA RATE ETF 92189F486 619,278 24,200 SH SOLE 24,200 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,220,282 17,395 SH SOLE 17,395 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,914,612 5,116 SH SOLE 5,116 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 7,781,301 86,353 SH SOLE 86,353 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,472,101 6,812 SH SOLE 6,812 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 289,190 3,687 SH SOLE 3,687 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 418,413 597 SH SOLE 597 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 1,478,897 4,203 SH SOLE 4,203 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,803,443 109,376 SH SOLE 109,376 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 499,436 2,901 SH SOLE 2,901 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,219,390 12,540 SH SOLE 12,540 0 0