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
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
3M CO COM 88579Y101 387 2,010 SH   SOLE   2,010 0 0
ABBOTT LABS COM 002824100 996 8,311 SH   SOLE   8,311 0 0
ABBVIE INC COM 00287Y109 1,054 9,738 SH   SOLE   9,738 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 841 3,043 SH   SOLE   3,043 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,063 2,237 SH   SOLE   2,237 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 316 1,395 SH   SOLE   1,395 0 0
ALPHABET INC CAP STK CL C 02079K107 958 463 SH   SOLE   463 0 0
ALPHABET INC CAP STK CL A 02079K305 1,186 575 SH   SOLE   575 0 0
ALTRIA GROUP INC COM 02209S103 762 14,896 SH   SOLE   14,896 0 0
AMAZON COM INC COM 023135106 2,618 846 SH   SOLE   846 0 0
AMBEV SA SPONSORED ADR 02319V103 36 13,245 SH   SOLE   13,245 0 0
AMERICAN EXPRESS CO COM 025816109 456 3,225 SH   SOLE   3,225 0 0
AMGEN INC COM 031162100 438 1,761 SH   SOLE   1,761 0 0
ANALOG DEVICES INC COM 032654105 216 1,396 SH   SOLE   1,396 0 0
APPLE INC COM 037833100 4,120 33,728 SH   SOLE   33,728 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 113 14,738 SH   SOLE   14,738 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 306 495 SH   SOLE   495 0 0
AT&T INC COM 00206R102 434 14,341 SH   SOLE   14,341 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 370 1,965 SH   SOLE   1,965 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 322 1,259 SH   SOLE   1,259 0 0
BK OF AMERICA CORP COM 060505104 285 7,360 SH   SOLE   7,360 0 0
BLACKROCK INC COM 09247X101 447 592 SH   SOLE   592 0 0
BOEING CO COM 097023105 225 885 SH   SOLE   885 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 531 8,409 SH   SOLE   8,409 0 0
BROADCOM INC COM 11135F101 496 1,070 SH   SOLE   1,070 0 0
CATERPILLAR INC COM 149123101 293 1,262 SH   SOLE   1,262 0 0
CHEVRON CORP NEW COM 166764100 793 7,571 SH   SOLE   7,571 0 0
CHUBB LIMITED COM H1467J104 278 1,761 SH   SOLE   1,761 0 0
CISCO SYS INC COM 17275R102 485 9,380 SH   SOLE   9,380 0 0
COCA COLA CO COM 191216100 1,876 35,584 SH   SOLE   35,584 0 0
COMCAST CORP NEW CL A 20030N101 461 8,522 SH   SOLE   8,522 0 0
COMPANHIA PARANAENSE ENERG C SPON ADR PFD 20441B407 47 37,160 SH   SOLE   37,160 0 0
CONOCOPHILLIPS COM 20825C104 328 6,193 SH   SOLE   6,193 0 0
COSTCO WHSL CORP NEW COM 22160K105 303 860 SH   SOLE   860 0 0
CVS HEALTH CORP COM 126650100 217 2,883 SH   SOLE   2,883 0 0
DASEKE INC COM 23753F107 314 37,037 SH   SOLE   37,037 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 250 1,521 SH   SOLE   1,521 0 0
DIRTT ENVIRONMENTAL SOLUTION COM 25490H106 31 10,000 SH   SOLE   10,000 0 0
DISNEY WALT CO COM 254687106 750 4,067 SH   SOLE   4,067 0 0
EBAY INC. COM 278642103 232 3,790 SH   SOLE   3,790 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 710 32,225 SH   SOLE   32,225 0 0
EXXON MOBIL CORP COM 30231G102 1,335 23,912 SH   SOLE   23,912 0 0
FACEBOOK INC CL A 30303M102 1,531 5,198 SH   SOLE   5,198 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106 206 2,736 SH   SOLE   2,736 0 0
HOME DEPOT INC COM 437076102 950 3,111 SH   SOLE   3,111 0 0
HONEYWELL INTL INC COM 438516106 447 2,059 SH   SOLE   2,059 0 0
ICICI BANK LIMITED ADR 45104G104 185 11,541 SH   SOLE   11,541 0 0
IDEXX LABS INC COM 45168D104 294 600 SH   SOLE   600 0 0
INTEL CORP COM 458140100 1,163 18,169 SH   SOLE   18,169 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 200 1,503 SH   SOLE   1,503 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 130 5,040 SH   SOLE   5,040 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 55 2,500 SH   SOLE   2,500 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 70 2,197 SH   SOLE   2,197 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 40 800 SH   SOLE   800 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 98 648 SH   SOLE   648 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 70 710 SH   SOLE   710 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 201 631 SH   SOLE   631 0 0
ISHARES INC CORE MSCI EMKT 46434G103 315,121 4,896,219 SH   SOLE   4,896,219 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 237 3,465 SH   SOLE   3,465 0 0
ISHARES TR MBS ETF 464288588 3 31 SH   SOLE   31 0 0
ISHARES TR S&P 100 ETF 464287101 21 118 SH   SOLE   118 0 0
ISHARES TR CORE S&P TTL STK 464287150 353 3,856 SH   SOLE   3,856 0 0
ISHARES TR SELECT DIVID ETF 464287168 8 68 SH   SOLE   68 0 0
ISHARES TR TIPS BD ETF 464287176 84 668 SH   SOLE   668 0 0
ISHARES TR CORE S&P500 ETF 464287200 166,541 418,635 SH   SOLE   418,635 0 0
ISHARES TR CORE US AGGBD ET 464287226 203,485 1,787,625 SH   SOLE   1,787,625 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 5 89 SH   SOLE   89 0 0
ISHARES TR IBOXX INV CP ETF 464287242 27 209 SH   SOLE   209 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 10,985 168,718 SH   SOLE   168,718 0 0
ISHARES TR 20 YR TR BD ETF 464287432 0 3 SH   SOLE   3 0 0
ISHARES TR MSCI EAFE ETF 464287465 22 295 SH   SOLE   295 0 0
ISHARES TR RUS MD CP GR ETF 464287481 350 3,429 SH   SOLE   3,429 0 0
ISHARES TR RUS MID CAP ETF 464287499 27 359 SH   SOLE   359 0 0
ISHARES TR CORE S&P MCP ETF 464287507 10 39 SH   SOLE   39 0 0
ISHARES TR NASDAQ BIOTECH 464287556 9 57 SH   SOLE   57 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,004,154 4,131,641 SH   SOLE   4,131,641 0 0
ISHARES TR RUS 1000 ETF 464287622 707 3,157 SH   SOLE   3,157 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 217 720 SH   SOLE   720 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 14 62 SH   SOLE   62 0 0
ISHARES TR CORE S&P US VLU 464287663 60,671 880,571 SH   SOLE   880,571 0 0
ISHARES TR CORE S&P US GWT 464287671 117,555 1,294,799 SH   SOLE   1,294,799 0 0
ISHARES TR CORE S&P SCP ETF 464287804 145 1,337 SH   SOLE   1,337 0 0
ISHARES TR DOW JONES US ETF 464287846 120 1,200 SH   SOLE   1,200 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 47 1,940 SH   SOLE   1,940 0 0
ISHARES TR MSCI ACWI ETF 464288257 867 9,111 SH   SOLE   9,111 0 0
ISHARES TR EAFE SML CP ETF 464288273 36 498 SH   SOLE   498 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,734 23,563 SH   SOLE   23,563 0 0
ISHARES TR PFD AND INCM SEC 464288687 84 2,185 SH   SOLE   2,185 0 0
ISHARES TR GLB CNSM STP ETF 464288737 7 117 SH   SOLE   117 0 0
ISHARES TR US HOME CONS ETF 464288752 20 300 SH   SOLE   300 0 0
ISHARES TR U.S. MED DVC ETF 464288810 16 47 SH   SOLE   47 0 0
ISHARES TR US HLTHCR PR ETF 464288828 91 360 SH   SOLE   360 0 0
ISHARES TR EAFE GRWTH ETF 464288885 14 144 SH   SOLE   144 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 60 1,180 SH   SOLE   1,180 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 52 707 SH   SOLE   707 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 161 2,331 SH   SOLE   2,331 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 227 1,863 SH   SOLE   1,863 0 0
ISHARES TR CORE MSCI EAFE 46432F842 75,729 1,051,054 SH   SOLE   1,051,054 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 245 5,342 SH   SOLE   5,342 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 130 3,567 SH   SOLE   3,567 0 0
ISHARES TR CORE TOTAL USD 46434V613 87 1,658 SH   SOLE   1,658 0 0
ISHARES TR TRS FLT RT BD 46434V860 320 6,365 SH   SOLE   6,365 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 560 11,082 SH   SOLE   11,082 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 480 9,569 SH   SOLE   9,569 0 0
JOHNSON & JOHNSON COM 478160104 1,294 7,873 SH   SOLE   7,873 0 0
JPMORGAN CHASE & CO COM 46625H100 1,267 8,320 SH   SOLE   8,320 0 0
KIMBERLY-CLARK CORP COM 494368103 314 2,259 SH   SOLE   2,259 0 0
KOREA ELECTRIC PWR SPONSORED ADR 500631106 109 10,671 SH   SOLE   10,671 0 0
LAUDER ESTEE COS INC CL A 518439104 220 756 SH   SOLE   756 0 0
LG DISPLAY CO LTD SPONS ADR REP 50186V102 185 18,537 SH   SOLE   18,537 0 0
LILLY ELI & CO COM 532457108 337 1,803 SH   SOLE   1,803 0 0
LINDE PLC SHS G5494J103 443 1,582 SH   SOLE   1,582 0 0
LOWES COS INC COM 548661107 434 2,284 SH   SOLE   2,284 0 0
MASTERCARD INCORPORATED CL A 57636Q104 423 1,187 SH   SOLE   1,187 0 0
MCGRATH RENTCORP COM 580589109 473 5,870 SH   SOLE   5,870 0 0
MEDTRONIC PLC SHS G5960L103 209 1,769 SH   SOLE   1,769 0 0
MERCK & CO. INC COM 58933Y105 475 6,159 SH   SOLE   6,159 0 0
METLIFE INC COM 59156R108 270 4,447 SH   SOLE   4,447 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 201 1,298 SH   SOLE   1,298 0 0
MICROSOFT CORP COM 594918104 4,574 19,401 SH   SOLE   19,401 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 48 16,352 SH   SOLE   16,352 0 0
MONDELEZ INTL INC CL A 609207105 287 4,905 SH   SOLE   4,905 0 0
MONROE CAP CORP COM 610335101 477 47,541 SH   SOLE   47,541 0 0
NETFLIX INC COM 64110L106 365 699 SH   SOLE   699 0 0
NIKE INC CL B 654106103 551 4,143 SH   SOLE   4,143 0 0
NOVARTIS AG SPONSORED ADR 66987V109 404 4,725 SH   SOLE   4,725 0 0
NOVO-NORDISK A S ADR 670100205 582 8,635 SH   SOLE   8,635 0 0
NVIDIA CORPORATION COM 67066G104 586 1,098 SH   SOLE   1,098 0 0
ORACLE CORP COM 68389X105 231 3,295 SH   SOLE   3,295 0 0
OVINTIV INC COM 69047Q102 289 12,151 SH   SOLE   12,151 0 0
PACCAR INC COM 693718108 225 2,419 SH   SOLE   2,419 0 0
PAYPAL HLDGS INC COM 70450Y103 618 2,545 SH   SOLE   2,545 0 0
PEPSICO INC COM 713448108 1,073 7,588 SH   SOLE   7,588 0 0
PFIZER INC COM 717081103 399 11,026 SH   SOLE   11,026 0 0
PHILIP MORRIS INTL INC COM 718172109 1,334 15,034 SH   SOLE   15,034 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 142 15,578 SH   SOLE   15,578 0 0
PROCTER AND GAMBLE CO COM 742718109 1,733 12,795 SH   SOLE   12,795 0 0
QUALCOMM INC COM 747525103 261 1,971 SH   SOLE   1,971 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 818 39,572 SH   SOLE   39,572 0 0
ROYAL BK CDA COM 780087102 2,730 29,608 SH   SOLE   29,608 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 61 1,654 SH   SOLE   1,654 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 325 8,290 SH   SOLE   8,290 0 0
S&P GLOBAL INC COM 78409V104 265 751 SH   SOLE   751 0 0
SALESFORCE COM INC COM 79466L302 382 1,802 SH   SOLE   1,802 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 329 4,416 SH   SOLE   4,416 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 789 16,086 SH   SOLE   16,086 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 0 5 SH   SOLE   5 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 15 128 SH   SOLE   128 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1 20 SH   SOLE   20 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 16 97 SH   SOLE   97 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 6 170 SH   SOLE   170 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 22 220 SH   SOLE   220 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 102 769 SH   SOLE   769 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 10 133 SH   SOLE   133 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1 15 SH   SOLE   15 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1 13 SH   SOLE   13 0 0
SERVICENOW INC COM 81762P102 316 631 SH   SOLE   631 0 0
SK TELECOM LTD SPONSORED ADR 78440P108 223 8,184 SH   SOLE   8,184 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 7,046 134,586 SH   SOLE   134,586 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 18,926 432,304 SH   SOLE   432,304 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 22 650 SH   SOLE   650 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,855 250,426 SH   SOLE   250,426 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 494 1,246 SH   SOLE   1,246 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 118,692 2,104,463 SH   SOLE   2,104,463 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 408 13,761 SH   SOLE   13,761 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 125 3,900 SH   SOLE   3,900 0 0
SPDR SER TR S&P INS ETF 78464A789 1 23 SH   SOLE   23 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 19,385 394,076 SH   SOLE   394,076 0 0
STARBUCKS CORP COM 855244109 355 3,249 SH   SOLE   3,249 0 0
STRYKER CORPORATION COM 863667101 240 986 SH   SOLE   986 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 126 17,359 SH   SOLE   17,359 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,407 11,899 SH   SOLE   11,899 0 0
TESLA INC COM 88160R101 867 1,298 SH   SOLE   1,298 0 0
TEXAS INSTRS INC COM 882508104 655 3,464 SH   SOLE   3,464 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 313 685 SH   SOLE   685 0 0
TJX COS INC NEW COM 872540109 441 6,659 SH   SOLE   6,659 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 429 2,750 SH   SOLE   2,750 0 0
TRUIST FINL CORP COM 89832Q109 467 8,013 SH   SOLE   8,013 0 0
UNION PAC CORP COM 907818108 439 1,991 SH   SOLE   1,991 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 262 28,770 SH   SOLE   28,770 0 0
UNITED PARCEL SERVICE INC CL B 911312106 640 3,764 SH   SOLE   3,764 0 0
UNITEDHEALTH GROUP INC COM 91324P102 767 2,060 SH   SOLE   2,060 0 0
US BANCORP DEL COM NEW 902973304 321 5,804 SH   SOLE   5,804 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,372 28,000 SH   SOLE   28,000 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,720 15,375 SH   SOLE   15,375 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,896 29,910 SH   SOLE   29,910 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 11 49 SH   SOLE   49 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 103 1,122 SH   SOLE   1,122 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 9 32 SH   SOLE   32 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 68 305 SH   SOLE   305 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 75 351 SH   SOLE   351 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 41,520 200,878 SH   SOLE   200,878 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,018 230,890 SH   SOLE   230,890 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 256 2,633 SH   SOLE   2,633 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,797 112,010 SH   SOLE   112,010 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 22 262 SH   SOLE   262 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 8,555 34,219 SH   SOLE   34,219 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 3 47 SH   SOLE   47 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 14 139 SH   SOLE   139 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 22 239 SH   SOLE   239 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 516 8,229 SH   SOLE   8,229 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 35,783 728,639 SH   SOLE   728,639 0 0
VEDANTA LIMITED SPONSORED ADR 92242Y100 139 11,039 SH   SOLE   11,039 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 544 9,361 SH   SOLE   9,361 0 0
VISA INC COM CL A 92826C839 726 3,430 SH   SOLE   3,430 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 302 5,492 SH   SOLE   5,492 0 0
WALMART INC COM 931142103 532 3,914 SH   SOLE   3,914 0 0
WIPRO LTD SPON ADR 1 SH 97651M109 145 22,793 SH   SOLE   22,793 0 0