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 2,217,257 6,658 SH SOLE 6,658 0 0
iShares MSCI ACWI ETF MSCI ACWI ETF 464288257 277,156 1,746 SH SOLE 1,746 0 0
Adobe COM 00724F101 7,198 30 SH SOLE 30 0 0
Analog Devices COM 032654105 142,022 358 SH SOLE 358 0 0
Ameren Corp COM 023608102 12,839 129 SH SOLE 129 0 0
Aflac Inc COM 001055102 80,258 718 SH SOLE 718 0 0
Agco Corporation COM 001084102 40,894 358 SH SOLE 358 0 0
Ametek COM 031100100 59,207 239 SH SOLE 239 0 0
Amgen COM 031162100 102,427 243 SH SOLE 243 0 0
Ameriprise Financial COM 03076C106 58,590 119 SH SOLE 119 0 0
American Tower COM 03027X100 12,708 77 SH SOLE 77 0 0
Amazon.com COM 023135106 149,490 600 SH SOLE 600 0 0
Aon PLC CMN SHS CL A G0403H108 4,231 15 SH SOLE 15 0 0
Air Products & Chemicals COM 009158106 11,178 40 SH SOLE 40 0 0
Amphenol Corp CL-A (new) CMN Class A CL A 032095101 63,566 753 SH SOLE 753 0 0
Aptiv PLC New COM SHS G3265R107 4,775 111 SH SOLE 111 0 0
Barclays Select MLP ETN IPATH SELCT MLP 06742C723 678,908 19,892 SH SOLE 19,892 0 0
American Water Works COM 030420103 7,149 55 SH SOLE 55 0 0
Acuity Brands COM 00508Y102 36,867 119 SH SOLE 119 0 0
Bank of America COM 060505104 42,050 773 SH SOLE 773 0 0
Baxter Intl Inc COM 071813109 22,978 957 SH SOLE 957 0 0
Bank New York COM 064058100 450,089 3,112 SH SOLE 3,112 0 0
Bristol Myers Squibb COM 110122108 89,606 1,436 SH SOLE 1,436 0 0
Blackstone Group COM 09260D107 158,016 1,410 SH SOLE 1,410 0 0
Citigroup Inc COM NEW 172967424 61,360 474 SH SOLE 474 0 0
Carrier Global Corporation COM 14448C104 2,414 44 SH SOLE 44 0 0
Caterpillar Inc COM 149123101 2,432 3 SH SOLE 3 0 0
Church & Dwight Co Inc COM 171340102 45,037 478 SH SOLE 478 0 0
Charter CL A 16119P108 1,109 10 SH SOLE 10 0 0
CIGNA COM 125523100 455,587 1,676 SH SOLE 1,676 0 0
Colgate Palmolive COM 194162103 81,651 957 SH SOLE 957 0 0
Comcast CL A 20030N101 20,824 957 SH SOLE 957 0 0
ConocoPhillips COM 20825C104 157,392 1,258 SH SOLE 1,258 0 0
Crane Co New Com COMMON STOCK 224408104 48,761 239 SH SOLE 239 0 0
Crowdstrike CL A 22788C105 2,232,372 8,432 SH SOLE 8,432 0 0
Cisco Systems COM 17275R102 154,557 1,436 SH SOLE 1,436 0 0
Cintas Corp COM 172908105 46,239 237 SH SOLE 237 0 0
Corteva Inc COM 22052L104 31,681 408 SH SOLE 408 0 0
CVS Health COM 126650100 40,960 478 SH SOLE 478 0 0
Donaldson COM 257651109 41,605 478 SH SOLE 478 0 0
DuPont De Nemours Inc COMMON STOCK 26614N201 17,665 136 SH SOLE 136 0 0
Danaher COM 235851102 18,676 84 SH SOLE 84 0 0
HF Sinclair Corp Com COM 403949100 64,177 598 SH SOLE 598 0 0
Digital Realty Trust COM 253868103 396,199 2,257 SH SOLE 2,257 0 0
Dollar Tree Stores COM 256746108 109,117 957 SH SOLE 957 0 0
Dow COM 260557103 11,236 408 SH SOLE 408 0 0
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 2,266 34 SH SOLE 34 0 0
iShares MSCI Israel ETF MSCI ISRAEL ETF 464286632 6,794 56 SH SOLE 56 0 0
iShares MSCI EM-ex China ETF MSCI EMRG CHN 46434G764 347,176 3,504 SH SOLE 3,504 0 0
Equinix Inc. COM 29444U700 487,351 482 SH SOLE 482 0 0
EQT Corp Com COM 26884L109 1,554 32 SH SOLE 32 0 0
Eaton Corp SHS G29183103 51,232 119 SH SOLE 119 0 0
Edwards Lifesciences COM 28176E108 123,783 1,434 SH SOLE 1,434 0 0
Facebook CL A 30303M102 91,402 126 SH SOLE 126 0 0
Firstenergy Corp COM 337932107 1,083 25 SH SOLE 25 0 0
Fair Isaac Corp Com COM 303250104 87,686 148 SH SOLE 148 0 0
Fifth Third Bancorp COM 316773100 12,189 239 SH SOLE 239 0 0
iShares China Largecap CHINA LG-CAP ETF 464287184 7,407 218 SH SOLE 218 0 0
Corning Inc COM 219350105 294,450 1,915 SH SOLE 1,915 0 0
Alphabet (Google) Class C CAP STK CL C 02079K107 1,424,105 4,179 SH SOLE 4,179 0 0
Alphabet (Google) Class A CAP STK CL A 02079K305 1,445,136 4,200 SH SOLE 4,200 0 0
Goldman Sachs COM 38141G104 206,182 229 SH SOLE 229 0 0
Home Depot Inc COM 437076102 135,986 478 SH SOLE 478 0 0
Hilton Worldwide COM 43300A203 38,811 122 SH SOLE 122 0 0
Honeywell International Inc COM 438516205 422 2 SH SOLE 2 0 0
Honeywell Aerospace Inc Reg SHS COM 43849R105 310 2 SH SOLE 2 0 0
Humana Inc COM 444859102 45,407 119 SH SOLE 119 0 0
iShares Gold Trust ISHARES NEW 464285204 8,106,514 103,797 SH SOLE 103,797 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 25,576 264 SH SOLE 264 0 0
Intel COM 458140100 143,915 1,197 SH SOLE 1,197 0 0
Intuit Com COM 461202103 10,770,265 39,064 SH SOLE 39,064 0 0
Samsara Inc CL A COM CL A 79589L106 1,144 30 SH SOLE 30 0 0
Iqvia Holdings Inc CMN COM 46266C105 37,908 141 SH SOLE 141 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 401,903 525 SH SOLE 525 0 0
Johnson & Johnson COM 478160104 253,356 957 SH SOLE 957 0 0
JPMorgan Chase & Co COM 46625H100 568,800 1,719 SH SOLE 1,719 0 0
KraneShares California Carbon Allowance ETF CALIFORNIA CARB 500767553 1,259,615 75,517 SH SOLE 75,517 0 0
Quaker Chemical Corp COM 747316107 188,839 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 34,853 837 SH SOLE 837 0 0
Mobility Global Inc COM SHS 60744M106 619 36 SH SOLE 36 0 0
Mercadolibre COM 58733R102 5,186 3 SH SOLE 3 0 0
Miami Intl HLDGS Inc COM 59356Q108 104,688 3,125 SH SOLE 3,125 0 0
Merck & Co Inc. COM 58933Y105 104,943 718 SH SOLE 718 0 0
MSCI Inc. CMN COM 55354G100 11,677 22 SH SOLE 22 0 0
Microsoft COM 594918104 2,023,689 3,946 SH SOLE 3,946 0 0
MSG Networks CL A 55825T103 219,219 541 SH SOLE 541 0 0
Nike CL B 654106103 2,689 75 SH SOLE 75 0 0
Net Lease Office COM 64110Y108 2,418 245 SH SOLE 245 0 0
Northrop Grumman COM 666807102 78,712 163 SH SOLE 163 0 0
ServiceNow COM 81762P102 12,061 90 SH SOLE 90 0 0
NRG Energy Inc COM NEW 629377508 1,243 13 SH SOLE 13 0 0
Northern Trust COM 665859104 40,687 239 SH SOLE 239 0 0
Nvidia COM 67066G104 34,358 150 SH SOLE 150 0 0
Organon & Co COMMON STOCK 68622V106 973 71 SH SOLE 71 0 0
Otis Worldwide COM 68902V107 1,415 22 SH SOLE 22 0 0
Payoneer Global Inc COM 70451X104 14,693,120 2,057,860 SH SOLE 2,057,860 0 0
PepsiCo COM 713448108 48,562 383 SH SOLE 383 0 0
Pfizer Inc. COM 717081103 88,754 3,112 SH SOLE 3,112 0 0
Prologis Inc Com COM 74340W103 3,815 29 SH SOLE 29 0 0
Paramount Skydance Corp. COM CL B COM CL B 69932A204 249 24 SH SOLE 24 0 0
Phillips 66 Com COM 718546104 91,401 358 SH SOLE 358 0 0
Qnity Electronics Inc COMMON STOCK 74743L100 25,651 204 SH SOLE 204 0 0
Regions Financial COM 7591EP100 32,534 1,197 SH SOLE 1,197 0 0
Rivian Automotive Inc CL A COM CL A 76954A103 194 13 SH SOLE 13 0 0
Rockwell Automation COM 773903109 260,327 598 SH SOLE 598 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 5,147,288 24,744 SH SOLE 24,744 0 0
Raytheon Technologies COM 75513E101 8,169 44 SH SOLE 44 0 0
Schwab Charles Corp COM 808513105 29,778 305 SH SOLE 305 0 0
Sea Limited Ads Each SPONSORD ADS 81141R100 3,505 36 SH SOLE 36 0 0
Vaneck Semiconductor SEMICONDUCTR ETF 92189F676 166,257 273 SH SOLE 273 0 0
Solstice Advanced Materials Inc COM SHS 83443Q103 56 1 SH SOLE 1 0 0
SPDR Developed World Ex-US ETF ST STR PO EX ETF 78463X889 7,659,892 152,557 SH SOLE 152,557 0 0
SPDR Emerging Markets ETF ST PORT MARK ETF 78463X509 1,157,164 22,356 SH SOLE 22,356 0 0
S&P Global Inc Com COM 78409V104 109,161 277 SH SOLE 277 0 0
SPDR Ser TR Portfli (high YLD) ST PORT HIGH ETF 78468R606 103,824 4,596 SH SOLE 4,596 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 931,184 1,218 SH SOLE 1,218 0 0
Sportradar Group AG CLASS A ORD SHS H8088L103 294,777 25,500 SH SOLE 25,500 0 0
Steel Dynamics Inc COM 858119100 79,526 358 SH SOLE 358 0 0
AT&T COM 00206R102 87,620 3,591 SH SOLE 3,591 0 0
Tilray Brands Inc COM 88688T209 2,303 614 SH SOLE 614 0 0
Thermo Fisher COM 883556102 23,817 35 SH SOLE 35 0 0
Tortoise North American Pipeline Fund NORTH AMRCN PIPE 890930308 4,954,967 124,294 SH SOLE 124,294 0 0
Trulieve Cannabis Corp Com Sub VTG SHS SUB VTG SHS 89790E106 12,121 1,112 SH SOLE 1,112 0 0
Price T Rowe Group Inc Com COM 74144T108 1,077 10 SH SOLE 10 0 0
Travelers Companies COM 89417E109 89,128 250 SH SOLE 250 0 0
Texas Instruments COM 882508104 76,144 272 SH SOLE 272 0 0
Unitedhealth Group COM 91324P102 22,132 60 SH SOLE 60 0 0
Union Pacific COM 907818108 19,287 71 SH SOLE 71 0 0
Univest Financial COM 915271100 107,491 2,623 SH SOLE 2,623 0 0
Visa COM CL A 92826C839 63,327 176 SH SOLE 176 0 0
Vanguard Small-Cap Growth ETF MRNGSTR SM CP GR 922908595 1,243,214 3,680 SH SOLE 3,680 0 0
Vanguard Small-Cap Value ETF MRNGSTR SML CP V 922908611 1,050,031 4,545 SH SOLE 4,545 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 20,200,901 286,091 SH SOLE 286,091 0 0
Versigent LTD ORDINARY SHARES G9600F104 1,667 37 SH SOLE 37 0 0
Vanguard Sector INF TECH ETF 92204A702 372,989 2,968 SH SOLE 2,968 0 0
Veralto Corp COM SHS 92338C103 2,577 27 SH SOLE 27 0 0
Vulcan Materials Co CMN COM 929160109 22,428 92 SH SOLE 92 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 20,827,457 29,717 SH SOLE 29,717 0 0
Vanguard S&P 500 Growth ETF 500 GRTH IDX F 921932505 593,915 6,948 SH SOLE 6,948 0 0
Verisk Analytics Inc COM 92345Y106 206,623 1,231 SH SOLE 1,231 0 0
Versant Media Group Inc COM CL A 925283103 1,205 38 SH SOLE 38 0 0
Vanguard Total World Stock Index ETF TT WRLD ST ETF 922042742 595,095 3,770 SH SOLE 3,770 0 0
Vanguard Total US Stock Market ETF MRNGSTR TTL STK 922908769 67,055,610 179,178 SH SOLE 179,178 0 0
Viatris Inc COM 92556V106 6,840 386 SH SOLE 386 0 0
Vanguard Value Index Fund ETF MRNGSTR VAL ETF 922908744 1,320,897 6,113 SH SOLE 6,113 0 0
Vanguard Growth Index Fund ETF MRNGSTR GRWT ETF 922908736 6,617,962 73,443 SH SOLE 73,443 0 0
Vanguard Large-Cap (index Fund) MRNGSTR LRG CAP 922908637 1,716,912 4,880 SH SOLE 4,880 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 10,190,503 171,818 SH SOLE 171,818 0 0
Verizon Communications COM 92343V104 43,898 957 SH SOLE 957 0 0
Warner Bros Discovery Inc COM SER A 934423104 26,865 868 SH SOLE 868 0 0
Wells Fargo & Co COM 949746101 80,050 1,000 SH SOLE 1,000 0 0
Walmart COM 931142103 37,099 357 SH SOLE 357 0 0
WP Carey Inc COM 92936U109 239,695 3,655 SH SOLE 3,655 0 0
Columbia ETF TR II Columbia Em Core Ex China ETF EM CORE EX ETF 19762B202 63,491 1,235 SH SOLE 1,235 0 0
Exxonmobil Holdings Corp COM SHS 30233Q108 254,178 1,562 SH SOLE 1,562 0 0
Zoetis Inc Com CL A 98978V103 6,947 99 SH SOLE 99 0 0