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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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
ISHARES TR US REGNL BKS ETF 464288778 471 7,992 SH   SOLE   0 0 7,992
ISHARES TR CHINA LG-CAP ETF 464287184 2,804 87,715 SH   SOLE   0 0 87,715
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 907 19,668 SH   SOLE   0 0 19,668
SPDR SER TR S&P REGL BKG 78464A698 607 8,810 SH   SOLE   0 0 8,810
3M CO COM 88579Y101 679 4,559 SH   SOLE   0 0 4,559
SPDR SER TR S&P HOMEBUILD 78464A888 3,148 49,807 SH   SOLE   0 0 49,807
ISHARES INC MSCI NETHERL ETF 464286814 307 7,262 SH   SOLE   0 0 7,262
GENERAL MLS INC COM 370334104 597 8,810 SH   SOLE   0 0 8,810
ISHARES INC MSCI STH KOR ETF 464286772 0 1 SH   SOLE   0 0 1
VANGUARD WORLD FDS INF TECH ETF 92204A702 156 375 SH   SOLE   0 0 375
ISHARES INC MSCI BRAZIL ETF 464286400 561 14,825 SH   SOLE   0 0 14,825
ARK ETF TR GENOMIC REV ETF 00214Q302 100 2,178 SH   SOLE   0 0 2,178
INVESCO QQQ TR UNIT SER 1 46090E103 504 1,391 SH   SOLE   0 0 1,391
ISHARES TR SELECT DIVID ETF 464287168 1,095 8,546 SH   SOLE   0 0 8,546
INTUITIVE SURGICAL INC COM NEW 46120E602 204 675 SH   SOLE   0 0 675
ISHARES INC MSCI AUST ETF 464286103 183 6,920 SH   SOLE   0 0 6,920
ISHARES TR NATIONAL MUN ETF 464288414 11 100 SH   SOLE   0 0 100
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 3 84 SH   SOLE   0 0 84
MORGAN STANLEY COM NEW 617446448 1,088 12,449 SH   SOLE   0 0 12,449
ISHARES INC MSCI ISRAEL ETF 464286632 12 160 SH   SOLE   0 0 160
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 162 832 SH   SOLE   0 0 832
JOHNSON & JOHNSON COM 478160104 2,070 11,680 SH   SOLE   0 0 11,680
ALPHABET INC CAP STK CL C 02079K107 528 189 SH   SOLE   0 0 189
WISDOMTREE TR US SMALLCAP DIVD 97717W604 91 2,856 SH   SOLE   0 0 2,856
ISHARES INC MSCI SWEDEN ETF 464286756 258 6,629 SH   SOLE   0 0 6,629
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 147 480 SH   SOLE   0 0 480
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,552 7,301 SH   SOLE   0 0 7,301
WISDOMTREE TR INTL SMCAP DIV 97717W760 444 6,471 SH   SOLE   0 0 6,471
ISHARES INC MSCI GERMANY ETF 464286806 1,129 39,766 SH   SOLE   0 0 39,766
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 86 1,790 SH   SOLE   0 0 1,790
ISHARES INC CORE MSCI EMKT 46434G103 28 500 SH   SOLE   0 0 500
PROCTER AND GAMBLE CO COM 742718109 2,852 18,665 SH   SOLE   0 0 18,665
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 512 1,450 SH   SOLE   0 0 1,450
BRISTOL-MYERS SQUIBB CO COM 110122108 2,635 36,075 SH   SOLE   0 0 36,075
GOLDMAN SACHS GROUP INC COM 38141G104 656 1,988 SH   SOLE   0 0 1,988
BK OF AMERICA CORP COM 060505104 6,781 164,496 SH   SOLE   0 0 164,496
ISHARES TR RUS 2000 VAL ETF 464287630 2,634 16,320 SH   SOLE   0 0 16,320
DEERE & CO COM 244199105 289 696 SH   SOLE   0 0 696
GENERAL ELECTRIC CO COM NEW 369604301 1,818 19,865 SH   SOLE   0 0 19,865
ISHARES TR CORE S&P US VLU 464287663 11 150 SH   SOLE   0 0 150
ISHARES TR ISHARES BIOTECH 464287556 102 780 SH   SOLE   0 0 780
EMERSON ELEC CO COM 291011104 393 4,010 SH   SOLE   0 0 4,010
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,752 14,138 SH   SOLE   0 0 14,138
WATERS CORP COM 941848103 253 815 SH   SOLE   0 0 815
JPMORGAN CHASE & CO COM 46625H100 1,081 7,930 SH   SOLE   0 0 7,930
ISHARES INC MSCI EMRG CHN 46434G764 13 225 SH   SOLE   0 0 225
ISHARES TR INDIA 50 ETF 464289529 277 6,005 SH   SOLE   0 0 6,005
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 530 11,035 SH   SOLE   0 0 11,035
ISHARES TR TIPS BD ETF 464287176 401 3,220 SH   SOLE   0 0 3,220
SPDR SER TR S&P BK ETF 78464A797 14 275 SH   SOLE   0 0 275
PEPSICO INC COM 713448108 2,888 17,254 SH   SOLE   0 0 17,254
ISHARES TR CORE MSCI EURO 46434V738 806 15,100 SH   SOLE   0 0 15,100
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 207 2,346 SH   SOLE   0 0 2,346
TWITTER INC COM 90184L102 313 8,078 SH   SOLE   0 0 8,078
ISHARES TR SHRT NAT MUN ETF 464288158 5 50 SH   SOLE   0 0 50
STARBUCKS CORP COM 855244109 358 3,937 SH   SOLE   0 0 3,937
PNC FINL SVCS GROUP INC COM 693475105 371 2,010 SH   SOLE   0 0 2,010
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 592 15,442 SH   SOLE   0 0 15,442
VANGUARD WORLD FDS ENERGY ETF 92204A306 249 2,323 SH   SOLE   0 0 2,323
TESLA INC COM 88160R101 6,516 6,047 SH   SOLE   0 0 6,047
ALPHABET INC CAP STK CL A 02079K305 598 215 SH   SOLE   0 0 215
APPLE INC COM 037833100 2,012 11,522 SH   SOLE   0 0 11,522
NVIDIA CORPORATION COM 67066G104 1,966 7,204 SH   SOLE   0 0 7,204
DISNEY WALT CO COM 254687106 761 5,549 SH   SOLE   0 0 5,549
ISHARES TR RUS MD CP GR ETF 464287481 603 6,000 SH   SOLE   0 0 6,000
WISDOMTREE TR US MIDCAP DIVID 97717W505 113 2,550 SH   SOLE   0 0 2,550
CLOROX CO DEL COM 189054109 718 5,167 SH   SOLE   0 0 5,167
ZILLOW GROUP INC CL C CAP STK 98954M200 1,023 20,757 SH   SOLE   0 0 20,757
PAYPAL HLDGS INC COM 70450Y103 279 2,410 SH   SOLE   0 0 2,410
CATERPILLAR INC COM 149123101 2,593 11,638 SH   SOLE   0 0 11,638
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 4 50 SH   SOLE   0 0 50
SPDR SER TR S&P BIOTECH 78464A870 72 800 SH   SOLE   0 0 800
CLOVER HEALTH INVESTMENTS CO COM CL A 18914F103 108 30,500 SH   SOLE   0 0 30,500
ISHARES TR GL CLEAN ENE ETF 464288224 37 1,709 SH   SOLE   0 0 1,709
ISHARES INC MSCI STH AFR ETF 464286780 47 840 SH   SOLE   0 0 840
CITIGROUP INC COM NEW 172967424 3,288 61,578 SH   SOLE   0 0 61,578
SPDR S&P 500 ETF TR TR UNIT 78462F103 932 2,063 SH   SOLE   0 0 2,063
ISHARES TR MSCI EMG MKT ETF 464287234 1,434 31,750 SH   SOLE   0 0 31,750
VANGUARD INDEX FDS MID CAP ETF 922908629 2 9 SH   SOLE   0 0 9
MCDONALDS CORP COM 580135101 221 895 SH   SOLE   0 0 895
MERCK & CO INC COM 58933Y105 202 2,467 SH   SOLE   0 0 2,467
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,904 11,811 SH   SOLE   0 0 11,811
COCA COLA CO COM 191216100 238 3,835 SH   SOLE   0 0 3,835
ISHARES TR MSCI EURO FL ETF 464289180 2,442 129,138 SH   SOLE   0 0 129,138
DIREXION SHS ETF TR DLY SMCAP BULL3X 25459W847 504 8,000 SH   SOLE   0 0 8,000
WISDOMTREE TR EMER MKT HIGH FD 97717W315 91 2,080 SH   SOLE   0 0 2,080
EXXON MOBIL CORP COM 30231G102 1,253 15,169 SH   SOLE   0 0 15,169
ORACLE CORP COM 68389X105 1,382 16,710 SH   SOLE   0 0 16,710
ISHARES TR SP SMCP600VL ETF 464287879 15 150 SH   SOLE   0 0 150
ISHARES TR CORE S&P SCP ETF 464287804 3,099 28,722 SH   SOLE   0 0 28,722
WISDOMTREE TR INTL EQUITY FD 97717W703 216 4,100 SH   SOLE   0 0 4,100
HOME DEPOT INC COM 437076102 1,775 5,930 SH   SOLE   0 0 5,930
WISDOMTREE TR INDIA ERNGS FD 97717W422 804 22,336 SH   SOLE   0 0 22,336
BAUSCH HEALTH COS INC COM 071734107 318 13,900 SH   SOLE   0 0 13,900
ISHARES TR RUS MDCP VAL ETF 464287473 1,124 9,399 SH   SOLE   0 0 9,399
ISHARES INC MSCI HONG KG ETF 464286871 141 6,244 SH   SOLE   0 0 6,244
DIREXION SHS ETF TR DL FTSE BLL 3X 25459W771 200 43,200 SH   SOLE   0 0 43,200
ISHARES GOLD TR ISHARES NEW 464285204 399 10,839 SH   SOLE   0 0 10,839
AT&T INC COM 00206R102 973 41,179 SH   SOLE   0 0 41,179
KRANESHARES TR CSI CHI INTERNET 500767306 684 23,982 SH   SOLE   0 0 23,982
ISHARES TR U.S. REAL ES ETF 464287739 391 3,611 SH   SOLE   0 0 3,611
ISHARES TR ISHS 5-10YR INVT 464288638 8 142 SH   SOLE   0 0 142
AMAZON COM INC COM 023135106 21,599 6,626 SH   SOLE   0 0 6,626
AMERICAN INTL GROUP INC COM NEW 026874784 3,480 55,435 SH   SOLE   0 0 55,435
META PLATFORMS INC CL A 30303M102 459 2,065 SH   SOLE   0 0 2,065
SELECT SECTOR SPDR TR ENERGY 81369Y506 290 3,800 SH   SOLE   0 0 3,800
ISHARES TR MSCI EAFE ETF 464287465 601 8,162 SH   SOLE   0 0 8,162
ARK ETF TR INNOVATION ETF 00214Q104 138 2,083 SH   SOLE   0 0 2,083
MICROSOFT CORP COM 594918104 4,161 13,495 SH   SOLE   0 0 13,495
ISHARES TR MRNING SM CP ETF 464288703 2,759 46,938 SH   SOLE   0 0 46,938
ISHARES INC MSCI CDA ETF 464286509 145 3,595 SH   SOLE   0 0 3,595
VANGUARD INDEX FDS GROWTH ETF 922908736 322 1,118 SH   SOLE   0 0 1,118
ALTRIA GROUP INC COM 02209S103 1,071 20,497 SH   SOLE   0 0 20,497
ISHARES INC MSCI JPN ETF NEW 46434G822 330 5,361 SH   SOLE   0 0 5,361
COSTCO WHSL CORP NEW COM 22160K105 986 1,712 SH   SOLE   0 0 1,712
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 199 2,134 SH   SOLE   0 0 2,134