Gallacher Capital Management 13F-HR Quarterly holdings report by institutional manager

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
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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	392,187	2,207	SH		SOLE	0	0	0	2,207
ABERCROMBIE & FITCH CO	CL A	002896207	212,845	1,424	SH		SOLE	0	0	0	1,424
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	238,656	678	SH		SOLE	0	0	0	678
ADOBE INC	COM	00724F101	237,459	534	SH		SOLE	0	0	0	534
ADT INC DEL	COM	00090Q103	634,614	91,840	SH		SOLE	0	0	0	91,840
ADTALEM GLOBAL ED INC	COM	00737L103	233,666	2,572	SH		SOLE	0	0	0	2,572
AGILYSYS INC	COM	00847J105	232,863	1,768	SH		SOLE	0	0	0	1,768
ALARM COM HLDGS INC	COM	011642105	217,786	3,582	SH		SOLE	0	0	0	3,582
ALKERMES PLC	SHS	G01767105	217,656	7,568	SH		SOLE	0	0	0	7,568
ALPHABET INC	CAP STK CL A	02079K305	648,606	3,426	SH		SOLE	0	0	0	3,426
ALPS ETF TR	SMITH CORE PLUS	00162Q346	7,316,029	286,678	SH		SOLE	0	0	0	286,678
AMAZON COM INC	COM	023135106	466,511	2,126	SH		SOLE	0	0	0	2,126
AMERICAN CENTY ETF TR	US EQT ETF	025072885	335,514	3,461	SH		SOLE	0	0	0	3,461
AMERICAN EAGLE OUTFITTERS IN	COM	02553E106	598,143	35,881	SH		SOLE	0	0	0	35,881
AMERICAN EXPRESS CO	COM	025816109	311,238	1,049	SH		SOLE	0	0	0	1,049
AMERICAN TOWER CORP NEW	COM	03027X100	470,582	2,566	SH		SOLE	0	0	0	2,566
AMERICOLD REALTY TRUST INC	COM	03064D108	420,799	19,663	SH		SOLE	0	0	0	19,663
AMERIPRISE FINL INC	COM	03076C106	311,329	585	SH		SOLE	0	0	0	585
AMGEN INC	COM	031162100	290,614	1,115	SH		SOLE	0	0	0	1,115
AMPHENOL CORP NEW	CL A	032095101	212,170	3,055	SH		SOLE	0	0	0	3,055
ANHEUSER BUSCH INBEV SA/NV	SPONSORED ADR	03524A108	284,622	5,684	SH		SOLE	0	0	0	5,684
ANSYS INC	COM	03662Q105	210,831	625	SH		SOLE	0	0	0	625
APA CORPORATION	COM	03743Q108	503,880	21,822	SH		SOLE	0	0	0	21,822
APOGEE ENTERPRISES INC	COM	037598109	257,358	3,604	SH		SOLE	0	0	0	3,604
APPFOLIO INC	COM CL A	03783C100	202,804	822	SH		SOLE	0	0	0	822
APPLE INC	COM	037833100	3,528,211	14,089	SH		SOLE	0	0	0	14,089
APPLIED MATLS INC	COM	038222105	276,725	1,702	SH		SOLE	0	0	0	1,702
ARCELORMITTAL SA LUXEMBOURG	NY REGISTRY SH	03938L203	262,651	11,355	SH		SOLE	0	0	0	11,355
ARDMORE SHIPPING CORP	COM	Y0207T100	379,402	31,227	SH		SOLE	0	0	0	31,227
ARGENX SE	SPONSORED ADR	04016X101	287,820	468	SH		SOLE	0	0	0	468
ARISTA NETWORKS INC	COM SHS	040413205	575,972	5,211	SH		SOLE	0	0	0	5,211
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	304,017	439	SH		SOLE	0	0	0	439
ASTRAZENECA PLC	SPONSORED ADR	046353108	368,261	5,621	SH		SOLE	0	0	0	5,621
AUTODESK INC	COM	052769106	285,521	966	SH		SOLE	0	0	0	966
AUTOMATIC DATA PROCESSING IN	COM	053015103	841,424	2,874	SH		SOLE	0	0	0	2,874
AXOS FINANCIAL INC	COM	05465C100	354,838	5,080	SH		SOLE	0	0	0	5,080
BANCO BILBAO VIZCAYA ARGENTA	SPONSORED ADR	05946K101	520,805	53,581	SH		SOLE	0	0	0	53,581
BANCO SANTANDER S.A.	ADR	05964H105	474,636	104,087	SH		SOLE	0	0	0	104,087
BARCLAYS PLC	ADR	06738E204	458,311	34,485	SH		SOLE	0	0	0	34,485
BATH & BODY WORKS INC	COM	070830104	709,523	18,301	SH		SOLE	0	0	0	18,301
BERKLEY W R CORP	COM	084423102	228,882	3,911	SH		SOLE	0	0	0	3,911
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	4,922,341	10,859	SH		SOLE	0	0	0	10,859
BHP GROUP LTD	SPONSORED ADS	088606108	406,297	8,321	SH		SOLE	0	0	0	8,321
BIONTECH SE	SPONSORED ADS	09075V102	230,293	2,021	SH		SOLE	0	0	0	2,021
BLOCK H & R INC	COM	093671105	281,639	5,330	SH		SOLE	0	0	0	5,330
BOISE CASCADE CO DEL	COM	09739D100	229,399	1,930	SH		SOLE	0	0	0	1,930
BP PLC	SPONSORED ADR	055622104	470,245	15,908	SH		SOLE	0	0	0	15,908
BRITISH AMERN TOB PLC	SPONSORED ADR	110448107	328,706	9,050	SH		SOLE	0	0	0	9,050
BROADCOM INC	COM	11135F101	317,640	1,370	SH		SOLE	0	0	0	1,370
CADENCE DESIGN SYSTEM INC	COM	127387108	382,486	1,273	SH		SOLE	0	0	0	1,273
CAL MAINE FOODS INC	COM NEW	128030202	896,808	8,714	SH		SOLE	0	0	0	8,714
CARLISLE COS INC	COM	142339100	344,173	933	SH		SOLE	0	0	0	933
CARTERS INC	COM	146229109	415,395	7,666	SH		SOLE	0	0	0	7,666
CASSAVA SCIENCES INC	COM	14817C107	170	17,000	SH	Call	SOLE	0	0	0	17,000
CASSAVA SCIENCES INC	COM	14817C107	8	800	SH	Call	SOLE	0	0	0	800
CASSAVA SCIENCES INC	COM	14817C107	360,953	152,946	SH		SOLE	0	0	0	152,946
CASSAVA SCIENCES INC	COM	14817C107	18	1,800	SH	Call	SOLE	0	0	0	1,800
CASSAVA SCIENCES INC	COM	14817C107	2	200	SH	Call	SOLE	0	0	0	200
CATERPILLAR INC	COM	149123101	366,004	1,009	SH		SOLE	0	0	0	1,009
CELSIUS HLDGS INC	COM NEW	15118V207	240,853	9,144	SH		SOLE	0	0	0	9,144
CF INDS HLDGS INC	COM	125269100	801,200	9,391	SH		SOLE	0	0	0	9,391
CHARTER COMMUNICATIONS INC N	CL A	16119P108	276,615	807	SH		SOLE	0	0	0	807
CHEMED CORP NEW	COM	16359R103	225,261	425	SH		SOLE	0	0	0	425
CHUNGHWA TELECOM CO LTD	SPON ADR NEW11	17133Q502	334,970	8,897	SH		SOLE	0	0	0	8,897
CISCO SYS INC	COM	17275R102	205,063	3,464	SH		SOLE	0	0	0	3,464
CITIGROUP INC	COM NEW	172967424	649,615	9,229	SH		SOLE	0	0	0	9,229
COLGATE PALMOLIVE CO	COM	194162103	864,679	9,511	SH		SOLE	0	0	0	9,511
COLLEGIUM PHARMACEUTICAL INC	COM	19459J104	417,459	14,571	SH		SOLE	0	0	0	14,571
COMFORT SYS USA INC	COM	199908104	362,637	855	SH		SOLE	0	0	0	855
COMMERCE BANCSHARES INC	COM	200525103	214,724	3,446	SH		SOLE	0	0	0	3,446
COMMVAULT SYS INC	COM	204166102	232,552	1,541	SH		SOLE	0	0	0	1,541
CONOCOPHILLIPS	COM	20825C104	1,065,404	10,743	SH		SOLE	0	0	0	10,743
COPART INC	COM	217204106	217,795	3,795	SH		SOLE	0	0	0	3,795
CORPAY INC	COM SHS	219948106	359,064	1,061	SH		SOLE	0	0	0	1,061
CRH PLC	ORD	G25508105	677,667	7,325	SH		SOLE	0	0	0	7,325
CROCS INC	COM	227046109	456,302	4,166	SH		SOLE	0	0	0	4,166
CUBESMART	COM	229663109	291,616	6,806	SH		SOLE	0	0	0	6,806
DECKERS OUTDOOR CORP	COM	243537107	317,430	1,563	SH		SOLE	0	0	0	1,563
DIAGEO PLC	SPON ADR NEW	25243Q205	300,245	2,362	SH		SOLE	0	0	0	2,362
DIAMONDBACK ENERGY INC	COM	25278X109	616,002	3,760	SH		SOLE	0	0	0	3,760
DICKS SPORTING GOODS INC	COM	253393102	579,969	2,534	SH		SOLE	0	0	0	2,534
DISCOVER FINL SVCS	COM	254709108	359,575	2,076	SH		SOLE	0	0	0	2,076
DOMINOS PIZZA INC	COM	25754A201	222,688	531	SH		SOLE	0	0	0	531
EDWARDS LIFESCIENCES CORP	COM	28176E108	222,312	3,003	SH		SOLE	0	0	0	3,003
ELECTRONIC ARTS INC	COM	285512109	334,052	2,283	SH		SOLE	0	0	0	2,283
ELI LILLY & CO	COM	532457108	298,709	387	SH		SOLE	0	0	0	387
EMCOR GROUP INC	COM	29084Q100	262,439	578	SH		SOLE	0	0	0	578
ENI S P A	SPONSORED ADR	26874R108	453,766	16,585	SH		SOLE	0	0	0	16,585
EOG RES INC	COM	26875P101	915,374	7,468	SH		SOLE	0	0	0	7,468
EPAM SYS INC	COM	29414B104	252,058	1,078	SH		SOLE	0	0	0	1,078
EQUINOR ASA	SPONSORED ADR	29446M102	463,866	19,581	SH		SOLE	0	0	0	19,581
ETSY INC	COM	29786A106	211,348	3,996	SH		SOLE	0	0	0	3,996
EURONET WORLDWIDE INC	COM	298736109	221,723	2,156	SH		SOLE	0	0	0	2,156
EXTRA SPACE STORAGE INC	COM	30225T102	1,154,056	7,714	SH		SOLE	0	0	0	7,714
EXXON MOBIL CORP	COM	30231G102	297,522	2,766	SH		SOLE	0	0	0	2,766
FAIR ISAAC CORP	COM	303250104	224,975	113	SH		SOLE	0	0	0	113
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	1,349,746	76,257	SH		SOLE	0	0	0	76,257
FORTINET INC	COM	34959E109	305,076	3,229	SH		SOLE	0	0	0	3,229
GAP INC	COM	364760108	621,644	26,307	SH		SOLE	0	0	0	26,307
GEN DIGITAL INC	COM	668771108	308,247	11,258	SH		SOLE	0	0	0	11,258
GENMAB A/S	SPONSORED ADS	372303206	280,305	13,431	SH		SOLE	0	0	0	13,431
GENTEX CORP	COM	371901109	210,559	7,329	SH		SOLE	0	0	0	7,329
GODADDY INC	CL A	380237107	264,673	1,341	SH		SOLE	0	0	0	1,341
GRAND CANYON ED INC	COM	38526M106	420,475	2,567	SH		SOLE	0	0	0	2,567
GRAYSCALE BITCOIN MINI TR ET	SHS NEW	389930207	333,374	7,962	SH		SOLE	0	0	0	7,962
GRAYSCALE BITCOIN TRUST ETF	SHS REP COM UT	389637109	3,000,105	40,531	SH		SOLE	0	0	0	40,531
GSK PLC	SPONSORED ADR	37733W204	381,532	11,281	SH		SOLE	0	0	0	11,281
HALLIBURTON CO	COM	406216101	520,348	19,137	SH		SOLE	0	0	0	19,137
HALOZYME THERAPEUTICS INC	COM	40637H109	312,008	6,526	SH		SOLE	0	0	0	6,526
HAWKINS INC	COM	420261109	369,201	3,010	SH		SOLE	0	0	0	3,010
HCA HEALTHCARE INC	COM	40412C101	503,857	1,679	SH		SOLE	0	0	0	1,679
HNI CORP	COM	404251100	534,597	10,613	SH		SOLE	0	0	0	10,613
HOME DEPOT INC	COM	437076102	631,203	1,623	SH		SOLE	0	0	0	1,623
HONDA MOTOR LTD	ADR ECH CNV IN 3	438128308	344,636	12,071	SH		SOLE	0	0	0	12,071
HONEYWELL INTL INC	COM	438516106	624,023	2,763	SH		SOLE	0	0	0	2,763
HSBC HLDGS PLC	SPON ADR NEW	404280406	443,168	8,960	SH		SOLE	0	0	0	8,960
HYSTER-YALE INC	CL A	449172105	406,331	7,978	SH		SOLE	0	0	0	7,978
ILLINOIS TOOL WKS INC	COM	452308109	254,001	1,002	SH		SOLE	0	0	0	1,002
ING GROEP N.V.	SPONSORED ADR	456837103	391,118	24,960	SH		SOLE	0	0	0	24,960
INGREDION INC	COM	457187102	204,075	1,484	SH		SOLE	0	0	0	1,484
INTERDIGITAL INC	COM	45867G101	440,279	2,273	SH		SOLE	0	0	0	2,273
INTERNATIONAL BUSINESS MACHS	COM	459200101	213,023	969	SH		SOLE	0	0	0	969
INTUIT	COM	461202103	248,543	395	SH		SOLE	0	0	0	395
INVENTRUST PPTYS CORP	COM NEW	46124J201	248,482	8,247	SH		SOLE	0	0	0	8,247
INVESCO QQQ TR	UNIT SER 1	46090E103	250,837	491	SH		SOLE	0	0	0	491
IRONWOOD PHARMACEUTICALS INC	COM CL A	46333X108	220,707	49,821	SH		SOLE	0	0	0	49,821
ISHARES INC	MSCI EMRG CHN	46434G764	2,831,710	51,068	SH		SOLE	0	0	0	51,068
ISHARES INC	MSCI STH AFR ETF	464286780	442,078	10,548	SH		SOLE	0	0	0	10,548
ISHARES INC	MSCI TURKEY ETF	464286715	1,261,495	35,178	SH		SOLE	0	0	0	35,178
ISHARES TR	U.S. MED DVC ETF	464288810	537,799	9,217	SH		SOLE	0	0	0	9,217
ISHARES TR	NATIONAL MUN ETF	464288414	549,478	5,157	SH		SOLE	0	0	0	5,157
ISHARES TR	MSCI USA MIN VOL	46429B697	506,102	5,700	SH		SOLE	0	0	0	5,700
ISHARES TR	CORE DIV GRWTH	46434V621	2,186,998	35,654	SH		SOLE	0	0	0	35,654
ISHARES TR	RUS 1000 VAL ETF	464287598	446,676	2,413	SH		SOLE	0	0	0	2,413
ISHARES TR	MSCI SAUDI ARBIA	46434V423	601,435	14,727	SH		SOLE	0	0	0	14,727
ISHARES TR	GRWT ALLOCAT ETF	464289867	2,011,518	35,093	SH		SOLE	0	0	0	35,093
ISHARES TR	S&P 500 GRWT ETF	464287309	5,452,970	53,708	SH		SOLE	0	0	0	53,708
ISHARES TR	MSCI EMG MKT ETF	464287234	334,293	7,994	SH		SOLE	0	0	0	7,994
ISHARES TR	RUSSELL 2000 ETF	464287655	316,988	1,435	SH		SOLE	0	0	0	1,435
ISHARES TR	S&P 500 VAL ETF	464287408	450,859	2,362	SH		SOLE	0	0	0	2,362
ISHARES TR	RUS 1000 GRW ETF	464287614	1,632,983	4,066	SH		SOLE	0	0	0	4,066
ISHARES TR	ESG AWR MSCI USA	46435G425	240,378	1,866	SH		SOLE	0	0	0	1,866
ISHARES TR	AGGRES ALLOC ETF	464289859	583,055	7,611	SH		SOLE	0	0	0	7,611
ISHARES TR	LATN AMER 40 ETF	464287390	1,314,772	62,878	SH		SOLE	0	0	0	62,878
ISHARES TR	RUS MDCP VAL ETF	464287473	227,002	1,755	SH		SOLE	0	0	0	1,755
ISHARES TR	MODERT ALLOC ETF	464289875	1,090,789	25,110	SH		SOLE	0	0	0	25,110
ISHARES TR	CORE S&P500 ETF	464287200	2,697,196	4,582	SH		SOLE	0	0	0	4,582
ISHARES TR	MSCI CHINA ETF	46429B671	1,515,214	32,335	SH		SOLE	0	0	0	32,335
ISHARES TR	MSCI EAFE ETF	464287465	661,002	8,742	SH		SOLE	0	0	0	8,742
ISHARES TR	S&P MC 400VL ETF	464287705	232,426	1,860	SH		SOLE	0	0	0	1,860
ISHARES TR	S&P SML 600 GWT	464287887	221,059	1,633	SH		SOLE	0	0	0	1,633
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	3,124,168	62,024	SH		SOLE	0	0	0	62,024
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	253,343	4,404	SH		SOLE	0	0	0	4,404
J P MORGAN EXCHANGE TRADED F	DIVERSFD EQT ETF	46641Q845	765,255	16,349	SH		SOLE	0	0	0	16,349
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	1,708,496	39,549	SH		SOLE	0	0	0	39,549
J P MORGAN EXCHANGE TRADED F	DIVERSFED RTRN	46641Q886	1,370,401	13,373	SH		SOLE	0	0	0	13,373
J P MORGAN EXCHANGE TRADED F	INCOME ETF	46641Q159	2,424,425	53,144	SH		SOLE	0	0	0	53,144
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	4,111,257	71,787	SH		SOLE	0	0	0	71,787
J P MORGAN EXCHANGE TRADED F	US MOMENTUM	46641Q779	987,516	16,947	SH		SOLE	0	0	0	16,947
J P MORGAN EXCHANGE TRADED F	ACTIVE BOND ETF	46654Q716	4,822,931	92,305	SH		SOLE	0	0	0	92,305
JOHNSON & JOHNSON	COM	478160104	356,601	2,466	SH		SOLE	0	0	0	2,466
KIMBERLY-CLARK CORP	COM	494368103	541,071	4,129	SH		SOLE	0	0	0	4,129
KINSALE CAP GROUP INC	COM	49714P108	370,770	797	SH		SOLE	0	0	0	797
KLA CORP	COM NEW	482480100	574,919	912	SH		SOLE	0	0	0	912
KONINKLIJKE PHILIPS N V	NY REGIS SHS NEW	500472303	341,166	13,474	SH		SOLE	0	0	0	13,474
KONTOOR BRANDS INC	COM	50050N103	910,885	10,665	SH		SOLE	0	0	0	10,665
LAM RESEARCH CORP	COM NEW	512807306	429,620	5,948	SH		SOLE	0	0	0	5,948
LAMAR ADVERTISING CO NEW	CL A	512816109	530,854	4,361	SH		SOLE	0	0	0	4,361
LAS VEGAS SANDS CORP	COM	517834107	587,677	11,442	SH		SOLE	0	0	0	11,442
LEAR CORP	COM NEW	521865204	468,082	4,943	SH		SOLE	0	0	0	4,943
LIBERTY ENERGY INC	COM CL A	53115L104	232,169	11,673	SH		SOLE	0	0	0	11,673
LIBERTY MEDIA CORP DEL	COM LBTY ONE S A	531229771	439,424	5,229	SH		SOLE	0	0	0	5,229
LINCOLN ELEC HLDGS INC	COM	533900106	239,026	1,275	SH		SOLE	0	0	0	1,275
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	463,805	170,517	SH		SOLE	0	0	0	170,517
LOCKHEED MARTIN CORP	COM	539830109	384,258	791	SH		SOLE	0	0	0	791
LULULEMON ATHLETICA INC	COM	550021109	278,012	727	SH		SOLE	0	0	0	727
LYONDELLBASELL INDUSTRIES N	SHS - A -	N53745100	463,792	6,245	SH		SOLE	0	0	0	6,245
MANHATTAN ASSOCIATES INC	COM	562750109	239,703	887	SH		SOLE	0	0	0	887
MASTERCARD INCORPORATED	CL A	57636Q104	706,884	1,342	SH		SOLE	0	0	0	1,342
MEDPACE HLDGS INC	COM	58506Q109	509,309	1,533	SH		SOLE	0	0	0	1,533
MERCK & CO INC	COM	58933Y105	252,118	2,534	SH		SOLE	0	0	0	2,534
META PLATFORMS INC	CL A	30303M102	1,082,200	1,848	SH		SOLE	0	0	0	1,848
MICROSOFT CORP	COM	594918104	1,095,468	2,599	SH		SOLE	0	0	0	2,599
MILLERKNOLL INC	COM	600544100	451,890	20,004	SH		SOLE	0	0	0	20,004
MITSUBISHI UFJ FINL GROUP IN	SPONSORED ADS	606822104	402,294	34,325	SH		SOLE	0	0	0	34,325
MIZUHO FINANCIAL GROUP INC	SPONSORED ADR	60687Y109	419,946	85,879	SH		SOLE	0	0	0	85,879
MONARCH CASINO & RESORT INC	COM	609027107	498,684	6,320	SH		SOLE	0	0	0	6,320
MOTOROLA SOLUTIONS INC	COM NEW	620076307	355,232	769	SH		SOLE	0	0	0	769
MUELLER INDS INC	COM	624756102	208,795	2,631	SH		SOLE	0	0	0	2,631
NATIONAL GRID PLC	SPONSORED ADR NE	636274409	287,371	4,836	SH		SOLE	0	0	0	4,836
NATWEST GROUP PLC	SPONS ADR	639057207	497,355	48,904	SH		SOLE	0	0	0	48,904
NETAPP INC	COM	64110D104	544,872	4,694	SH		SOLE	0	0	0	4,694
NETFLIX INC	COM	64110L106	333,354	374	SH		SOLE	0	0	0	374
NEWMARKET CORP	COM	651587107	355,947	674	SH		SOLE	0	0	0	674
NOKIA CORP	SPONSORED ADR	654902204	340,046	76,760	SH		SOLE	0	0	0	76,760
NOMURA HLDGS INC	SPONSORED ADR	65535H208	416,774	71,982	SH		SOLE	0	0	0	71,982
NOVARTIS AG	SPONSORED ADR	66987V109	492,400	5,060	SH		SOLE	0	0	0	5,060
NOVO-NORDISK A S	ADR	670100205	491,092	5,709	SH		SOLE	0	0	0	5,709
NVIDIA CORPORATION	COM	67066G104	883,205	6,577	SH		SOLE	0	0	0	6,577
NXP SEMICONDUCTORS N V	COM	N6596X109	205,989	991	SH		SOLE	0	0	0	991
OFG BANCORP	COM	67103X102	363,814	8,597	SH		SOLE	0	0	0	8,597
ORACLE CORP	COM	68389X105	241,609	1,450	SH		SOLE	0	0	0	1,450
OVINTIV INC	COM	69047Q102	508,747	12,562	SH		SOLE	0	0	0	12,562
OWENS CORNING NEW	COM	690742101	216,212	1,269	SH		SOLE	0	0	0	1,269
PAYCHEX INC	COM	704326107	757,864	5,405	SH		SOLE	0	0	0	5,405
PAYLOCITY HLDG CORP	COM	70438V106	396,746	1,989	SH		SOLE	0	0	0	1,989
PEPSICO INC	COM	713448108	15,606,227	102,632	SH		SOLE	0	0	0	102,632
PIMCO ETF TR	ACTIVE BD ETF	72201R775	421,999	4,667	SH		SOLE	0	0	0	4,667
PIMCO ETF TR	INV GRD CRP BD	72201R817	1,365,129	14,355	SH		SOLE	0	0	0	14,355
PIMCO ETF TR	MULTISECTOR BD	72201R585	1,890,465	72,935	SH		SOLE	0	0	0	72,935
POWELL INDS INC	COM	739128106	254,616	1,149	SH		SOLE	0	0	0	1,149
PROGRESS SOFTWARE CORP	COM	743312100	237,116	3,640	SH		SOLE	0	0	0	3,640
PROGRESSIVE CORP	COM	743315103	468,250	1,954	SH		SOLE	0	0	0	1,954
PRUDENTIAL PLC	ADR	74435K204	212,486	13,330	SH		SOLE	0	0	0	13,330
PUBLIC STORAGE OPER CO	COM	74460D109	443,101	1,480	SH		SOLE	0	0	0	1,480
PURE STORAGE INC	CL A	74624M102	233,065	3,794	SH		SOLE	0	0	0	3,794
QUALCOMM INC	COM	747525103	1,049,614	6,833	SH		SOLE	0	0	0	6,833
RELX PLC	SPONSORED ADR	759530108	554,465	12,208	SH		SOLE	0	0	0	12,208
REYNOLDS CONSUMER PRODS INC	COM	76171L106	441,978	16,376	SH		SOLE	0	0	0	16,376
RIO TINTO PLC	SPONSORED ADR	767204100	325,766	5,539	SH		SOLE	0	0	0	5,539
RYANAIR HOLDINGS PLC	SPONSORED ADR	783513203	471,715	10,822	SH		SOLE	0	0	0	10,822
RYDER SYS INC	COM	783549108	677,631	4,320	SH		SOLE	0	0	0	4,320
SAFE BULKERS INC	COM	Y7388L103	340,071	95,258	SH		SOLE	0	0	0	95,258
SALESFORCE INC	COM	79466L302	400,887	1,199	SH		SOLE	0	0	0	1,199
SANOFI	SPONSORED ADR	80105N105	270,281	5,604	SH		SOLE	0	0	0	5,604
SAP SE	SPON ADR	803054204	459,411	1,866	SH		SOLE	0	0	0	1,866
SCHLUMBERGER LTD	COM STK	806857108	619,440	16,156	SH		SOLE	0	0	0	16,156
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	566,307	20,320	SH		SOLE	0	0	0	20,320
SCORPIO TANKERS INC	SHS	Y7542C130	517,229	10,409	SH		SOLE	0	0	0	10,409
SEA LTD	SPONSORD ADS	81141R100	393,737	3,711	SH		SOLE	0	0	0	3,711
SEALED AIR CORP NEW	COM	81211K100	662,408	19,580	SH		SOLE	0	0	0	19,580
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	260,604	1,894	SH		SOLE	0	0	0	1,894
SELECT SECTOR SPDR TR	INDL	81369Y704	305,929	2,322	SH		SOLE	0	0	0	2,322
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	385,208	1,657	SH		SOLE	0	0	0	1,657
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	353,521	4,202	SH		SOLE	0	0	0	4,202
SELECT SECTOR SPDR TR	ENERGY	81369Y506	263,279	3,074	SH		SOLE	0	0	0	3,074
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	274,429	1,223	SH		SOLE	0	0	0	1,223
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	376,004	7,780	SH		SOLE	0	0	0	7,780
SEMPRA	COM	816851109	245,967	2,804	SH		SOLE	0	0	0	2,804
SHELL PLC	SPON ADS	780259305	567,807	9,063	SH		SOLE	0	0	0	9,063
SIX FLAGS ENTERTAINMENT CORP	COM	83001C108	230,493	4,783	SH		SOLE	0	0	0	4,783
SM ENERGY CO	COM	78454L100	318,064	8,206	SH		SOLE	0	0	0	8,206
SMITH & NEPHEW PLC	SPDN ADR NEW	83175M205	223,091	9,076	SH		SOLE	0	0	0	9,076
SNAP ON INC	COM	833034101	877,098	2,584	SH		SOLE	0	0	0	2,584
SONY GROUP CORP	SPONSORED ADR	835699307	418,557	19,781	SH		SOLE	0	0	0	19,781
SOUTHERN COPPER CORP	COM	84265V105	367,287	4,030	SH		SOLE	0	0	0	4,030
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,816,320	4,269	SH		SOLE	0	0	0	4,269
SPDR GOLD TR	GOLD SHS	78463V107	226,333	935	SH		SOLE	0	0	0	935
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,551,578	2,647	SH		SOLE	0	0	0	2,647
STEEL DYNAMICS INC	COM	858119100	263,877	2,313	SH		SOLE	0	0	0	2,313
STEELCASE INC	CL A	858155203	587,105	49,670	SH		SOLE	0	0	0	49,670
STMICROELECTRONICS N V	NY REGISTRY	861012102	350,684	14,044	SH		SOLE	0	0	0	14,044
SUMITOMO MITSUI FINL GROUP I	SPONSORED ADR	86562M209	419,920	28,980	SH		SOLE	0	0	0	28,980
SUNCOKE ENERGY INC	COM	86722A103	107,489	10,046	SH		SOLE	0	0	0	10,046
SYLVAMO CORP	COMMON STOCK	871332102	558,224	7,064	SH		SOLE	0	0	0	7,064
SYNOPSYS INC	COM	871607107	226,663	467	SH		SOLE	0	0	0	467
TAKEDA PHARMACEUTICAL CO LTD	SPONSORED ADS	874060205	233,539	17,639	SH		SOLE	0	0	0	17,639
TAPESTRY INC	COM	876030107	226,042	3,460	SH		SOLE	0	0	0	3,460
TARGET CORP	COM	87612E106	547,604	4,051	SH		SOLE	0	0	0	4,051
TELEFONICA S A	SPONSORED ADR	879382208	373,944	93,021	SH		SOLE	0	0	0	93,021
TEXAS INSTRS INC	COM	882508104	319,739	1,705	SH		SOLE	0	0	0	1,705
TOTALENERGIES SE	SPONSORED ADS	89151E109	354,414	6,503	SH		SOLE	0	0	0	6,503
TOYOTA MOTOR CORP	ADS	892331307	399,502	2,053	SH		SOLE	0	0	0	2,053
UBS GROUP AG	SHS	H42097107	486,109	16,033	SH		SOLE	0	0	0	16,033
UNILEVER PLC	SPON ADR NEW	904767704	434,696	7,667	SH		SOLE	0	0	0	7,667
UNION PAC CORP	COM	907818108	226,533	993	SH		SOLE	0	0	0	993
UNITEDHEALTH GROUP INC	COM	91324P102	231,124	457	SH		SOLE	0	0	0	457
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,947,614	13,621	SH		SOLE	0	0	0	13,621
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	2,712,632	5,034	SH		SOLE	0	0	0	5,034
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	281,916	1,111	SH		SOLE	0	0	0	1,111
VANGUARD INDEX FDS	GROWTH ETF	922908736	400,867	977	SH		SOLE	0	0	0	977
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,326,556	6,774	SH		SOLE	0	0	0	6,774
VANGUARD WORLD FD	CONSUM STP ETF	92204A207	210,392	995	SH		SOLE	0	0	0	995
VANGUARD WORLD FD	INF TECH ETF	92204A702	1,346,387	2,165	SH		SOLE	0	0	0	2,165
VANGUARD WORLD FD	CONSUM DIS ETF	92204A108	555,201	1,479	SH		SOLE	0	0	0	1,479
VANGUARD WORLD FD	INDUSTRIAL ETF	92204A603	269,335	1,059	SH		SOLE	0	0	0	1,059
VERISIGN INC	COM	92343E102	251,663	1,216	SH		SOLE	0	0	0	1,216
VERTIV HOLDINGS CO	COM CL A	92537N108	227,220	2,000	SH		SOLE	0	0	0	2,000
VISA INC	COM CL A	92826C839	352,041	1,114	SH		SOLE	0	0	0	1,114
VISTEON CORP	COM NEW	92839U206	338,023	3,810	SH		SOLE	0	0	0	3,810
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	280,147	32,997	SH		SOLE	0	0	0	32,997
WALMART INC	COM	931142103	279,094	3,089	SH		SOLE	0	0	0	3,089
WELLS FARGO CO NEW	COM	949746101	645,653	9,192	SH		SOLE	0	0	0	9,192
WESTAMERICA BANCORPORATION	COM	957090103	204,658	3,901	SH		SOLE	0	0	0	3,901
WILLIAMS SONOMA INC	COM	969904101	290,859	1,571	SH		SOLE	0	0	0	1,571
WISDOMTREE TR	US QTLY DIV GRT	97717X669	583,505	7,210	SH		SOLE	0	0	0	7,210
YELP INC	CL A	985817105	268,191	6,930	SH		SOLE	0	0	0	6,930
YUM BRANDS INC	COM	988498101	5,839,471	43,526	SH		SOLE	0	0	0	43,526
YUM CHINA HLDGS INC	COM	98850P109	2,024,103	42,020	SH		SOLE	0	0	0	42,020