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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   280,084 1,879 SH   SOLE   1,879 0 0
ADOBE INC COM 00724F101   1,167,671 2,290 SH   SOLE   2,290 0 0
AGF INVTS TR US MARKET NETRL 00110G408   1,572,555 79,182 SH   SOLE   79,182 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   412,882 4,760 SH   SOLE   4,760 0 0
ALPHABET INC CAP STK CL A 02079K305   1,143,062 8,735 SH   SOLE   8,735 0 0
ALPHABET INC CAP STK CL C 02079K107   729,131 5,530 SH   SOLE   5,530 0 0
AMAZON COM INC COM 023135106   2,104,980 16,559 SH   SOLE   16,559 0 0
AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190   228,974 4,874 SH   SOLE   4,874 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   342,554 6,489 SH   SOLE   6,489 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   558,225 10,031 SH   SOLE   10,031 0 0
AMGEN INC COM 031162100   220,652 821 SH   SOLE   821 0 0
APPLE INC COM 037833100   2,788,944 16,290 SH   SOLE   16,290 0 0
ARROW ELECTRS INC COM 042735100   611,171 4,880 SH   SOLE   4,880 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   391,972 52,124 SH   SOLE   52,124 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   495,354 2,059 SH   SOLE   2,059 0 0
AVERY DENNISON CORP COM 053611109   286,792 1,570 SH   SOLE   1,570 0 0
AVINO SILVER & GOLD MINES LT COM 053906103   5,165 10,000 SH   SOLE   10,000 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   421,796 52,397 SH   SOLE   52,397 0 0
BANCO SANTANDER S.A. ADR 05964H105   42,793 11,381 SH   SOLE   11,381 0 0
BARCLAYS PLC ADR 06738E204   92,670 11,896 SH   SOLE   11,896 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   451,537 1,289 SH   SOLE   1,289 0 0
BHP GROUP LTD SPONSORED ADS 088606108   376,830 6,625 SH   SOLE   6,625 0 0
BOGOTA FINL CORP COM 097235105   87,579 11,851 SH   SOLE   11,851 0 0
BOOKING HOLDINGS INC COM 09857L108   644,546 209 SH   SOLE   209 0 0
BP PLC SPONSORED ADR 055622104   325,016 8,394 SH   SOLE   8,394 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   339,940 5,857 SH   SOLE   5,857 0 0
CADENCE DESIGN SYSTEM INC COM 127387108   230,083 982 SH   SOLE   982 0 0
CANADIAN NAT RES LTD COM 136385101   409,167 6,327 SH   SOLE   6,327 0 0
CANADIAN NATL RY CO COM 136375102   263,567 2,433 SH   SOLE   2,433 0 0
CENCORA INC COM 03073E105   440,207 2,446 SH   SOLE   2,446 0 0
CENOVUS ENERGY INC COM 15135U109   270,931 13,013 SH   SOLE   13,013 0 0
CGI INC CL A SUB VTG 12532H104   316,054 3,209 SH   SOLE   3,209 0 0
CHEVRON CORP NEW COM 166764100   1,092,320 6,478 SH   SOLE   6,478 0 0
CHUNGHWA TELECOM CO LTD SPON ADR NEW11 17133Q502   257,187 7,156 SH   SOLE   7,156 0 0
CINTAS CORP COM 172908105   532,478 1,107 SH   SOLE   1,107 0 0
CISCO SYS INC COM 17275R102   287,831 5,354 SH   SOLE   5,354 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   331,045 4,887 SH   SOLE   4,887 0 0
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   6,940,596 355,928 SH   SOLE   355,928 0 0
COSTCO WHSL CORP NEW COM 22160K105   264,401 468 SH   SOLE   468 0 0
CRA INTL INC COM 12618T105   202,931 2,014 SH   SOLE   2,014 0 0
CVS HEALTH CORP COM 126650100   272,089 3,897 SH   SOLE   3,897 0 0
DEERE & CO COM 244199105   290,583 770 SH   SOLE   770 0 0
DEUTSCHE BANK A G NAMEN AKT D18190898   118,516 10,784 SH   SOLE   10,784 0 0
DISNEY WALT CO COM 254687106   294,293 3,631 SH   SOLE   3,631 0 0
ELI LILLY & CO COM 532457108   291,662 543 SH   SOLE   543 0 0
EMERSON ELEC CO COM 291011104   413,223 4,279 SH   SOLE   4,279 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   441,236 31,449 SH   SOLE   31,449 0 0
ENERPLUS CORP COM 292766102   291,777 16,550 SH   SOLE   16,550 0 0
ENI S P A SPONSORED ADR 26874R108   381,189 11,942 SH   SOLE   11,942 0 0
ENOVIX CORPORATION COM 293594107   141,376 11,265 SH   SOLE   11,265 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   4,006,056 146,366 SH   SOLE   146,366 0 0
EQUINOR ASA SPONSORED ADR 29446M102   350,919 10,702 SH   SOLE   10,702 0 0
EXXON MOBIL CORP COM 30231G102   455,594 3,875 SH   SOLE   3,875 0 0
FIRST HORIZON CORPORATION COM 320517105   156,748 14,224 SH   SOLE   14,224 0 0
GENERAL DYNAMICS CORP COM 369550108   345,597 1,564 SH   SOLE   1,564 0 0
GENWORTH FINL INC COM CL A 37247D106   67,654 11,545 SH   SOLE   11,545 0 0
GERDAU SA SPON ADR REP PFD 373737105   304,593 63,856 SH   SOLE   63,856 0 0
GILEAD SCIENCES INC COM 375558103   496,403 6,624 SH   SOLE   6,624 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   381,299 1,419 SH   SOLE   1,419 0 0
HALLIBURTON CO COM 406216101   454,329 11,218 SH   SOLE   11,218 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   423,900 5,978 SH   SOLE   5,978 0 0
HECLA MNG CO COM 422704106   43,722 11,182 SH   SOLE   11,182 0 0
HOME DEPOT INC COM 437076102   249,886 827 SH   SOLE   827 0 0
HONDA MOTOR LTD AMERN SHS 438128308   240,492 7,149 SH   SOLE   7,149 0 0
IDEXX LABS INC COM 45168D104   792,333 1,812 SH   SOLE   1,812 0 0
INFOSYS LTD SPONSORED ADR 456788108   389,937 22,790 SH   SOLE   22,790 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   257,337 23,501 SH   SOLE   23,501 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   477,570 21,551 SH   SOLE   21,551 0 0
IQVIA HLDGS INC COM 46266C105   254,398 1,293 SH   SOLE   1,293 0 0
ISHARES INC JP MORGAN EM ETF 464286517   2,886,432 82,872 SH   SOLE   82,872 0 0
ISHARES INC CORE MSCI EMKT 46434G103   638,420 13,415 SH   SOLE   13,415 0 0
ISHARES SILVER TR ISHARES 46428Q109   556,584 27,364 SH   SOLE   27,364 0 0
ISHARES TR PFD AND INCM SEC 464288687   958,469 31,790 SH   SOLE   31,790 0 0
ISHARES TR MSCI CHINA ETF 46429B671   822,250 18,994 SH   SOLE   18,994 0 0
ISHARES TR CORE MSCI INTL 46435G326   316,868 5,437 SH   SOLE   5,437 0 0
ISHARES TR CORE US AGGBD ET 464287226   3,833,164 40,761 SH   SOLE   40,761 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   780,355 5,140 SH   SOLE   5,140 0 0
ISHARES TR INTL TREA BD ETF 464288117   2,071,187 55,722 SH   SOLE   55,722 0 0
ISHARES TR EAFE SML CP ETF 464288273   380,551 6,739 SH   SOLE   6,739 0 0
ISHARES TR NATIONAL MUN ETF 464288414   959,057 9,353 SH   SOLE   9,353 0 0
ISHARES U S ETF TR IT RT HDG HGYL 46431W606   469,852 5,640 SH   SOLE   5,640 0 0
JOHNSON & JOHNSON COM 478160104   650,724 4,178 SH   SOLE   4,178 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   2,187,580 88,566 SH   SOLE   88,566 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103   373,511 2,823 SH   SOLE   2,823 0 0
KLA CORP COM NEW 482480100   766,421 1,671 SH   SOLE   1,671 0 0
KRANESHARES TR CSI CHI INTERNET 500767306   861,525 31,477 SH   SOLE   31,477 0 0
KRANESHARES TR KFA MOUNT LUCAS 500767652   655,341 20,121 SH   SOLE   20,121 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   649,267 22,466 SH   SOLE   22,466 0 0
MARRIOTT INTL INC NEW CL A 571903202   583,194 2,967 SH   SOLE   2,967 0 0
MASTERCARD INCORPORATED CL A 57636Q104   488,949 1,235 SH   SOLE   1,235 0 0
MCKESSON CORP COM 58155Q103   849,262 1,953 SH   SOLE   1,953 0 0
MERCK & CO INC COM 58933Y105   727,239 7,064 SH   SOLE   7,064 0 0
META PLATFORMS INC CL A 30303M102   291,504 971 SH   SOLE   971 0 0
MICROSOFT CORP COM 594918104   2,193,200 6,946 SH   SOLE   6,946 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   208,090 24,510 SH   SOLE   24,510 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   321,316 93,678 SH   SOLE   93,678 0 0
MP MATERIALS CORP COM CL A 553368101   250,879 13,135 SH   SOLE   13,135 0 0
NEXTGEN HEALTHCARE INC COM 65343C102   446,409 18,812 SH   SOLE   18,812 0 0
NOKIA CORP SPONSORED ADR 654902204   72,148 19,291 SH   SOLE   19,291 0 0
NOVO-NORDISK A S ADR 670100205   629,214 6,919 SH   SOLE   6,919 0 0
NUTRIBAND INC COM NEW 67092M208   44,630 17,502 SH   SOLE   17,502 0 0
NVIDIA CORPORATION COM 67066G104   870,025 2,000 SH   SOLE   2,000 0 0
ORIX CORP SPONSORED ADR 686330101   322,102 3,431 SH   SOLE   3,431 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   395,808 24,738 SH   SOLE   24,738 0 0
PENN ENTERTAINMENT INC COM 707569109   261,171 11,380 SH   SOLE   11,380 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   536,252 35,774 SH   SOLE   35,774 0 0
PROCTER AND GAMBLE CO COM 742718109   322,059 2,208 SH   SOLE   2,208 0 0
PROSPECT CAP CORP COM 74348T102   61,877 10,228 SH   SOLE   10,228 0 0
RIO TINTO PLC SPONSORED ADR 767204100   293,890 4,618 SH   SOLE   4,618 0 0
ROBLOX CORP CL A 771049103   713,661 24,643 SH   SOLE   24,643 0 0
ROLLINS INC COM 775711104   559,091 14,977 SH   SOLE   14,977 0 0
ROYAL BK CDA COM 780087102   262,670 3,004 SH   SOLE   3,004 0 0
SANOFI SPONSORED ADR 80105N105   385,511 7,187 SH   SOLE   7,187 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   207,628 4,331 SH   SOLE   4,331 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,529,337 57,186 SH   SOLE   57,186 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   858,443 32,740 SH   SOLE   32,740 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   411,894 5,821 SH   SOLE   5,821 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   966,062 30,504 SH   SOLE   30,504 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   828,361 16,371 SH   SOLE   16,371 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,981,103 23,156 SH   SOLE   23,156 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,725,691 10,527 SH   SOLE   10,527 0 0
SHELL PLC SPON ADS 780259305   467,463 7,261 SH   SOLE   7,261 0 0
SIMPLIFY EXCHANGE TRADED FUN SHORT TERM TREA 82889N657   352,279 16,130 SH   SOLE   16,130 0 0
SNAP ON INC COM 833034101   313,724 1,230 SH   SOLE   1,230 0 0
SPDR GOLD TR GOLD SHS 78463V107   406,337 2,370 SH   SOLE   2,370 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   427,480 1,000 SH Put SOLE   1,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,019,843 4,725 SH   SOLE   4,725 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,223,880 24,220 SH   SOLE   24,220 0 0
SPDR SER TR BLOOMBERG INTL 78464A151   2,130,085 78,514 SH   SOLE   78,514 0 0
SPLUNK INC NOTE 1.125% 6/1 848637AF1   9,361 10,000 PRN   SOLE   10,000 0 0
STIFEL FINL CORP COM 860630102   756,879 12,319 SH   SOLE   12,319 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   195,591 19,857 SH   SOLE   19,857 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   885,424 10,189 SH   SOLE   10,189 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   256,895 16,606 SH   SOLE   16,606 0 0
TELEFONICA S A SPONSORED ADR 879382208   46,251 11,364 SH   SOLE   11,364 0 0
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109   74,710 11,710 SH   SOLE   11,710 0 0
TESLA INC COM 88160R101   289,505 1,157 SH   SOLE   1,157 0 0
TFI INTL INC COM 87241L109   298,938 2,328 SH   SOLE   2,328 0 0
T-MOBILE US INC COM 872590104   1,280,617 9,144 SH   SOLE   9,144 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   455,191 6,922 SH   SOLE   6,922 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   269,870 1,330 SH   SOLE   1,330 0 0
UNILEVER PLC SPON ADR NEW 904767704   317,741 6,432 SH   SOLE   6,432 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   75,683 10,720 SH   SOLE   10,720 0 0
UNITEDHEALTH GROUP INC COM 91324P102   246,045 488 SH   SOLE   488 0 0
UPSTART HLDGS INC NOTE 0.250% 8/1 91680MAB3   13,142 20,000 PRN   SOLE   20,000 0 0
VALE S A SPONSORED ADS 91912E105   243,465 18,169 SH   SOLE   18,169 0 0
VALERO ENERGY CORP COM 91913Y100   386,443 2,727 SH   SOLE   2,727 0 0
VALLEY NATL BANCORP COM 919794107   327,548 38,265 SH   SOLE   38,265 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   261,487 3,448 SH   SOLE   3,448 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   273,124 5,566 SH   SOLE   5,566 0 0
VANECK ETF TRUST BDC INCOME ETF 92189F411   1,000,256 62,399 SH   SOLE   62,399 0 0
VANECK ETF TRUST LONG MUNI ETF 92189F536   712,631 42,647 SH   SOLE   42,647 0 0
VANECK ETF TRUST OIL SERVICES ETF 92189H607   224,276 650 SH   SOLE   650 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   275,140 1,406 SH   SOLE   1,406 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   229,102 1,661 SH   SOLE   1,661 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   399,769 1,018 SH   SOLE   1,018 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   426,264 2,673 SH   SOLE   2,673 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   734,054 15,261 SH   SOLE   15,261 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,093,875 7,040 SH   SOLE   7,040 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   618,507 14,147 SH   SOLE   14,147 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709   586,361 8,373 SH   SOLE   8,373 0 0
VISA INC COM CL A 92826C839   1,680,223 7,305 SH   SOLE   7,305 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   205,214 21,647 SH   SOLE   21,647 0 0
WALMART INC COM 931142103   2,837,638 17,743 SH   SOLE   17,743 0 0
WIPRO LTD SPON ADR 1 SH 97651M109   48,400 10,000 SH   SOLE   10,000 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   1,941,440 41,968 SH   SOLE   41,968 0 0
WISDOMTREE TR EM LCL DEBT FD 97717X867   1,754,719 66,821 SH   SOLE   66,821 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315   773,887 20,648 SH   SOLE   20,648 0 0