| 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 | 19,138 | 140 | SH | | SOLE | | 140 | 0 | 0 |
| ABBOTT LABS (USA) | COM | 000001388 | 81,061 | 711 | SH | | SOLE | | 711 | 0 | 0 |
| ACCENTURE (IRELAND) | COM | G1151C101 | 1,282,779 | 3,629 | SH | | SOLE | | 3,629 | 0 | 0 |
| AFLAC INC | COM | 001055102 | 38,012 | 340 | SH | | SOLE | | 340 | 0 | 0 |
| AIRBNB INC CL A | COM | 009066101 | 15,851 | 125 | SH | | SOLE | | 125 | 0 | 0 |
| AIRBUS SE UNSPONS ADR (FRA) | COM | 009279100 | 1,262,185 | 34,552 | SH | | SOLE | | 34,552 | 0 | 0 |
| ALPHABET INC CL-A (USA) | COM | 02079K305 | 2,466,687 | 14,873 | SH | | SOLE | | 14,873 | 0 | 0 |
| AMAZON COM INC (USA) | COM | 000018888 | 2,514,151 | 13,493 | SH | | SOLE | | 13,493 | 0 | 0 |
| AMERICA MOVIL S.A.B. DE C | COM | 02390A101 | 29,448 | 1,800 | SH | | SOLE | | 1,800 | 0 | 0 |
| AMERICAN ELECTRIC POWER C | COM | 025537101 | 11,799 | 115 | SH | | SOLE | | 115 | 0 | 0 |
| AMERICAN TOWER CORP (USA) | COM | 000019691 | 1,152,102 | 4,954 | SH | | SOLE | | 4,954 | 0 | 0 |
| API GROUP CORP | COM | 00187Y100 | 13,868 | 420 | SH | | SOLE | | 420 | 0 | 0 |
| APPLE INC (USA) | COM | 037833100 | 5,807,292 | 24,924 | SH | | SOLE | | 24,924 | 0 | 0 |
| AT & T INC (USA) | COM | 00206R102 | 26,642 | 1,211 | SH | | SOLE | | 1,211 | 0 | 0 |
| BANCO SANTAN CEN HISP-ADR (ESP) | COM | 05964H105 | 21,078 | 4,133 | SH | | SOLE | | 4,133 | 0 | 0 |
| BANK OF AMERICA (USA) | COM | 060505104 | 1,354,477 | 34,135 | SH | | SOLE | | 34,135 | 0 | 0 |
| BERKSHIRE HATHAWAY-B-NEW (USA) | COM | 084670702 | 2,297,618 | 4,992 | SH | | SOLE | | 4,992 | 0 | 0 |
| BHP BILLITON LTD S/ADR (AUS) | COM | 088606108 | 1,048,230 | 16,877 | SH | | SOLE | | 16,877 | 0 | 0 |
| BLOCK INC | COM | 852234103 | 13,426 | 200 | SH | | SOLE | | 200 | 0 | 0 |
| BLOOM ENERGY CORP CL A | COM | 093712107 | 7,603 | 720 | SH | | SOLE | | 720 | 0 | 0 |
| BOEING COMPANY (USA) | COM | 097023105 | 42,571 | 280 | SH | | SOLE | | 280 | 0 | 0 |
| BRITISH PETE ADR - PLC (GBR) | COM | 055622104 | 620,800 | 19,777 | SH | | SOLE | | 19,777 | 0 | 0 |
| BROADCOM LTD (USA) | COM | 11135F101 | 1,742,250 | 10,100 | SH | | SOLE | | 10,100 | 0 | 0 |
| CANON INC ADR (JPN) | COM | 000144452 | 7,403 | 225 | SH | | SOLE | | 225 | 0 | 0 |
| CARRIER GLOBAL CORPORATIO | COM | 14448C104 | 28,976 | 360 | SH | | SOLE | | 360 | 0 | 0 |
| CHEVRON CORP (USA) | COM | 166764100 | 134,752 | 915 | SH | | SOLE | | 915 | 0 | 0 |
| CHUBB LTD | COM | H1467J104 | 28,839 | 100 | SH | | SOLE | | 100 | 0 | 0 |
| CISCO SYSTEMS INC (USA) | COM | 000161645 | 1,598,250 | 30,031 | SH | | SOLE | | 30,031 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 | 43,163 | 166 | SH | | SOLE | | 166 | 0 | 0 |
| CRISPR THERAPEUTICS AG | COM | H17182108 | 4,698 | 100 | SH | | SOLE | | 100 | 0 | 0 |
| CUMMINS INC | COM | 231021106 | 24,284 | 75 | SH | | SOLE | | 75 | 0 | 0 |
| DANAHER CORP | COM | 235851102 | 33,084 | 119 | SH | | SOLE | | 119 | 0 | 0 |
| DIAGEO PLC SP/ADR (GBR) | COM | 25243Q205 | 781,834 | 5,571 | SH | | SOLE | | 5,571 | 0 | 0 |
| DOVER CORP | COM | 260003108 | 17,257 | 90 | SH | | SOLE | | 90 | 0 | 0 |
| EDITAS MEDICINE | COM | 28106W103 | 682 | 200 | SH | | SOLE | | 200 | 0 | 0 |
| ELEVANCE HEALTH INC | COM | 036752103 | 26,000 | 50 | SH | | SOLE | | 50 | 0 | 0 |
| EMBECTA CORP | COM | 29082K105 | 1,213 | 86 | SH | | SOLE | | 86 | 0 | 0 |
| ETF - DVYE EMERGING DIV (USA) | COM | 464286319 | 687,509 | 23,955 | SH | | SOLE | | 23,955 | 0 | 0 |
| ETF - EMXC EMRG MKTS EX CHINA ISHARE (USA) | COM | 46434G764 | 7,559,551 | 123,704 | SH | | SOLE | | 123,704 | 0 | 0 |
| ETF - HDV US DIVIDEND75 (USA) | COM | 46429B663 | 2,058,938 | 17,505 | SH | | SOLE | | 17,505 | 0 | 0 |
| ETF - IBB US BIOTECH (USA) | COM | 464287556 | 9,871,971 | 67,802 | SH | | SOLE | | 67,802 | 0 | 0 |
| ETF - IVOO VANGUARD S&P MIDCAP 400 ETF (USA) | COM | 921932885 | 7,059,464 | 66,832 | SH | | SOLE | | 66,832 | 0 | 0 |
| ETF - IWM US RUSSELL2000 (USA) | COM | 464287655 | 9,970,754 | 45,139 | SH | | SOLE | | 45,139 | 0 | 0 |
| ETF - QQQ INVESCO TRUST (USA) | COM | 46090E103 | 15,042,317 | 30,820 | SH | | SOLE | | 30,820 | 0 | 0 |
| ETF - SHORT TREASURY BOND ISHAR (USA) | COM | 464288679 | 464,646 | 4,200 | SH | | SOLE | | 4,200 | 0 | 0 |
| ETF - SPY US S&P500 (USA) | COM | 78462F103 | 22,303,199 | 38,872 | SH | | SOLE | | 38,872 | 0 | 0 |
| ETF - VEA DEV MKT (USA) | COM | 921943858 | 17,761,006 | 336,319 | SH | | SOLE | | 336,319 | 0 | 0 |
| ETF - VSS WORLD SMALL (USA) | COM | 922042718 | 204,055 | 1,620 | SH | | SOLE | | 1,620 | 0 | 0 |
| ETF - VWO EMERGING MKTS (USA) | COM | 922042858 | 12,687,619 | 265,154 | SH | | SOLE | | 265,154 | 0 | 0 |
| ETF DMXF - ISHRS ESG EAFE-xFF (Int'l) | COM | 46436E759 | 103,666 | 1,439 | SH | | SOLE | | 1,439 | 0 | 0 |
| ETF EMXF - ISHRS ESG EM-xFF (Emg Mkts) | COM | 46436E742 | 89,515 | 2,209 | SH | | SOLE | | 2,209 | 0 | 0 |
| ETF USXF - ISHRS ESG US-xFF | COM | 46436E767 | 88,344 | 1,800 | SH | | SOLE | | 1,800 | 0 | 0 |
| ETF-RSP INVESCO SP500 EQ WGT ETF (USA) | COM | 46137V357 | 13,833,302 | 77,212 | SH | | SOLE | | 77,212 | 0 | 0 |
| EXXON MOBIL CORP (USA) | COM | 000255969 | 2,602,753 | 22,204 | SH | | SOLE | | 22,204 | 0 | 0 |
| FIVERR INTERNATIONAL LTD | COM | 0M4R8T106 | 52 | 2 | SH | | SOLE | | 2 | 0 | 0 |
| GE AEROSPACE | COM | 369604301 | 1,073,209 | 5,691 | SH | | SOLE | | 5,691 | 0 | 0 |
| GX LITHIUM & BATTERY TECH | COM | 37954Y855 | 4,490 | 103 | SH | | SOLE | | 103 | 0 | 0 |
| HOME DEPOT INC (USA) | COM | 437076102 | 2,829,106 | 6,982 | SH | | SOLE | | 6,982 | 0 | 0 |
| HONEYTREE U.S. EQUITY ETF | COM | 02072L326 | 3,258 | 100 | SH | | SOLE | | 100 | 0 | 0 |
| HONEYWELL INTL INC (USA) | COM | 000324716 | 146,764 | 710 | SH | | SOLE | | 710 | 0 | 0 |
| HSBC HOLDINGS PLC-SP ADR (GBR) | COM | 404280406 | 1,777,910 | 39,343 | SH | | SOLE | | 39,343 | 0 | 0 |
| INTEL CORP (USA) | COM | 458140100 | 175,246 | 7,470 | SH | | SOLE | | 7,470 | 0 | 0 |
| ISHARES CORE MSCI EAFE | COM | 46432F842 | 12,644 | 162 | SH | | SOLE | | 162 | 0 | 0 |
| J.P. MORGAN CHASE AND CO (USA) | COM | 46625H100 | 4,062,007 | 19,264 | SH | | SOLE | | 19,264 | 0 | 0 |
| JOHNSON & JOHNSON (USA) | COM | 478160104 | 2,176,142 | 13,428 | SH | | SOLE | | 13,428 | 0 | 0 |
| JUMIA TECHNOLOGIES AG ADR | COM | 48138M105 | 13,083 | 2,450 | SH | | SOLE | | 2,450 | 0 | 0 |
| KYNDRYL HLDGS INC (USA) | COM | 50155Q100 | 1,333 | 58 | SH | | SOLE | | 58 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 | 3,568 | 15 | SH | | SOLE | | 15 | 0 | 0 |
| LEMONADE INC | COM | 52567D107 | 5,854 | 355 | SH | | SOLE | | 355 | 0 | 0 |
| LUCID GROUP INC | COM | 549498103 | 71 | 20 | SH | | SOLE | | 20 | 0 | 0 |
| LULULEMON ATHLETICA INC (USA) | COM | 000405723 | 2,714 | 10 | SH | | SOLE | | 10 | 0 | 0 |
| LVMH MOET HENNESSY LO-ADR (FRA) | COM | 000377807 | 1,012,444 | 6,591 | SH | | SOLE | | 6,591 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES (USA) | COM | N53745100 | 1,142,649 | 11,915 | SH | | SOLE | | 11,915 | 0 | 0 |
| MASTERCARD INC | COM | 57636A104 | 54,318 | 110 | SH | | SOLE | | 110 | 0 | 0 |
| MCDONALD'S CORP (USA) | COM | 000430579 | 1,494,840 | 4,909 | SH | | SOLE | | 4,909 | 0 | 0 |
| MERCK CO INC-NEW (USA) | COM | 000435499 | 2,022,390 | 17,809 | SH | | SOLE | | 17,809 | 0 | 0 |
| META PLATFORMS (USA) | COM | 30303M102 | 1,915,384 | 3,346 | SH | | SOLE | | 3,346 | 0 | 0 |
| MICROSOFT CORP (USA) | COM | 594918104 | 8,541,455 | 19,850 | SH | | SOLE | | 19,850 | 0 | 0 |
| NESTLE S.A. SP/ADR-FOR REG (CHE) | COM | 641069406 | 1,634,478 | 16,236 | SH | | SOLE | | 16,236 | 0 | 0 |
| NEXTERA ENERGY INC (USA) | COM | 65339F101 | 1,442,674 | 17,067 | SH | | SOLE | | 17,067 | 0 | 0 |
| NIKE INC CL-B (USA) | COM | 654106103 | 21,658 | 245 | SH | | SOLE | | 245 | 0 | 0 |
| NOVARTIS ADR (CHE) | COM | 000505376 | 3,113,936 | 27,073 | SH | | SOLE | | 27,073 | 0 | 0 |
| NOVO-NORDISK A/S-ADR (DNK) | COM | 670100205 | 1,502,425 | 12,618 | SH | | SOLE | | 12,618 | 0 | 0 |
| NU HOLDINGS LTD CL A | COM | G6683N103 | 13,650 | 1,000 | SH | | SOLE | | 1,000 | 0 | 0 |
| NUVEI CORP SVS (USA) | COM | 67079A102 | 334 | 10 | SH | | SOLE | | 10 | 0 | 0 |
| OTIS WORLDWIDE CORP | COM | 68902V107 | 11,849 | 114 | SH | | SOLE | | 114 | 0 | 0 |
| PAYPAL HOLDINGS INC | COM | 70450Y103 | 15,762 | 202 | SH | | SOLE | | 202 | 0 | 0 |
| PEPSI CO (USA) | COM | 000538579 | 2,596,834 | 15,271 | SH | | SOLE | | 15,271 | 0 | 0 |
| PFIZER INC (USA) | COM | 717081103 | 430,917 | 14,890 | SH | | SOLE | | 14,890 | 0 | 0 |
| PLAYA HOTELS & RESORTS N. | COM | N70544106 | 3,100 | 400 | SH | | SOLE | | 400 | 0 | 0 |
| PROCTER & GAMBLE CO (USA) | COM | 742718109 | 1,883,550 | 10,875 | SH | | SOLE | | 10,875 | 0 | 0 |
| PROLOGIS INC (USA) | COM | 74340W103 | 635,315 | 5,031 | SH | | SOLE | | 5,031 | 0 | 0 |
| PRUDENTIAL FINANCIAL INC | COM | 744320102 | 1,381,993 | 11,412 | SH | | SOLE | | 11,412 | 0 | 0 |
| RAYTHEON TECHNOLOGIES COR | COM | 75513E101 | 36,954 | 305 | SH | | SOLE | | 305 | 0 | 0 |
| REDFIN CORP | COM | 75737F108 | 8,771 | 700 | SH | | SOLE | | 700 | 0 | 0 |
| REPLIGEN CP | COM | 759916109 | 3,721 | 25 | SH | | SOLE | | 25 | 0 | 0 |
| RIO TINTO PLC SP/ADR (GBR) | COM | 767204100 | 727,002 | 10,215 | SH | | SOLE | | 10,215 | 0 | 0 |
| RIVIAN AUTOMOTIVE INC CL | COM | 76954A103 | 4,600 | 410 | SH | | SOLE | | 410 | 0 | 0 |
| ROKU INC | COM | 77543R102 | 32,477 | 435 | SH | | SOLE | | 435 | 0 | 0 |
| S&P 500 BULL 3X DIREXION (USA) | COM | 25459W862 | 81,975 | 500 | SH | | SOLE | | 500 | 0 | 0 |
| SALESFORCE INC (USA) | COM | 79466L302 | 1,275,215 | 4,659 | SH | | SOLE | | 4,659 | 0 | 0 |
| SILVER NCI-RBC TROY OZ | COM | 000754694 | 9,336 | 300 | SH | | SOLE | | 300 | 0 | 0 |
| SNDL INC | COM | 83307B101 | 229 | 111 | SH | | SOLE | | 111 | 0 | 0 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 | 7,860 | 1,000 | SH | | SOLE | | 1,000 | 0 | 0 |
| SOLVENTUM CORPORATION | COM | 83444M101 | 2,440 | 35 | SH | | SOLE | | 35 | 0 | 0 |
| SONY CORPORATION ADR (JPN) | COM | 835699307 | 1,122,916 | 11,628 | SH | | SOLE | | 11,628 | 0 | 0 |
| TELADOC HEALTH INC | COM | 87918A105 | 4,113 | 448 | SH | | SOLE | | 448 | 0 | 0 |
| TOTAL S.A. SP ADR (FRA) | COM | 000673786 | 64,620 | 1,000 | SH | | SOLE | | 1,000 | 0 | 0 |
| TOYOTA MOTOR CO LTD ADR (JPN) | COM | 892331307 | 1,990,520 | 11,147 | SH | | SOLE | | 11,147 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | COM | G8994E103 | 483,191 | 1,243 | SH | | SOLE | | 1,243 | 0 | 0 |
| UBER (USA) | COM | 90353T100 | 804,513 | 10,704 | SH | | SOLE | | 10,704 | 0 | 0 |
| UNILEVER PLC ADS-EA REPR (GBR) | COM | 904767704 | 926,135 | 14,257 | SH | | SOLE | | 14,257 | 0 | 0 |
| UNION PACIFIC CORP (USA) | COM | 000689653 | 947,716 | 3,845 | SH | | SOLE | | 3,845 | 0 | 0 |
| UNITED HEALTH GROUP INC (USA) | COM | 000696401 | 1,443,575 | 2,469 | SH | | SOLE | | 2,469 | 0 | 0 |
| UNITY SOFTWARE INC | COM | 913320101 | 7,352 | 325 | SH | | SOLE | | 325 | 0 | 0 |
| UPSTART HOLDINGS INC | COM | 91680M107 | 12,603 | 315 | SH | | SOLE | | 315 | 0 | 0 |
| VALERO ENERGY CORP | COM | 91913Y100 | 6,752 | 50 | SH | | SOLE | | 50 | 0 | 0 |
| VEOLIA ENVIRONNEMENT-ADR (FRA) | COM | 92334N103 | 722,951 | 43,903 | SH | | SOLE | | 43,903 | 0 | 0 |
| VISA INC CLASS-A (USA) | COM | 000711636 | 1,744,008 | 6,343 | SH | | SOLE | | 6,343 | 0 | 0 |
| VODAFONE GP PLC S/ADR (GBR) | COM | 000711748 | 1,603 | 160 | SH | | SOLE | | 160 | 0 | 0 |
| WALMART STORES INC (USA) | COM | 000714160 | 2,193,978 | 27,170 | SH | | SOLE | | 27,170 | 0 | 0 |
| WELLS FARGO CO (USA) | COM | 949746101 | 299,397 | 5,300 | SH | | SOLE | | 5,300 | 0 | 0 |
| X4 PHARMACEUTICALS INC | COM | 98420X103 | 669 | 1,000 | SH | | SOLE | | 1,000 | 0 | 0 |
| ZOETIS INC CL A | COM | 98978V103 | 13,677 | 70 | SH | | SOLE | | 70 | 0 | 0 |
