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
AT&T INC COM Stock 00206R102 1,046 34,587 SH   SOLE   0 0 34,587
ABBOTT LABS COM Stock 002824100 3,523 38,530 SH   SOLE   0 0 38,530
ABBVIE INC COM Stock 00287Y109 488 4,975 SH   SOLE   0 0 4,975
ADOBE INC COM Stock 00724F101 4,770 10,958 SH   SOLE   0 0 10,958
AKAMAI TECHNOLOGIES INC COM Stock 00971T101 327 3,058 SH   SOLE   0 0 3,058
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 871 4,036 SH   SOLE   0 0 4,036
ALIGN TECHNOLOGY INC COM Stock 016255101 1,674 6,099 SH   SOLE   0 0 6,099
ALPHABET INC CAP STK CL C Stock 02079K107 6,097 4,313 SH   SOLE   0 0 4,313
ALPHABET INC CAP STK CL A Stock 02079K305 2,959 2,087 SH   SOLE   0 0 2,087
ALTRIA GROUP INC COM Stock 02209S103 249 6,338 SH   SOLE   0 0 6,338
AMAZON COM INC COM Stock 023135106 10,001 3,625 SH   SOLE   0 0 3,625
AMBEV SA SPONSORED ADR ADR 02319V103 182 69,066 SH   SOLE   0 0 69,066
AMERICAN EXPRESS CO COM Stock 025816109 550 5,782 SH   SOLE   0 0 5,782
AMERICAN INTL GROUP INC COM NEW Stock 026874784 256 8,216 SH   SOLE   0 0 8,216
AMERICAN TOWER CORP NEW COM REIT 03027X100 1,577 6,100 SH   SOLE   0 0 6,100
AMGEN INC COM Stock 031162100 1,529 6,481 SH   SOLE   0 0 6,481
ANALOG DEVICES INC COM Stock 032654105 320 2,613 SH   SOLE   0 0 2,613
APOLLO GLOBAL MGMT INC COM CL A Stock 03768E105 360 7,212 SH   SOLE   0 0 7,212
APPLE INC COM Stock 037833100 13,140 36,019 SH   SOLE   0 0 36,019
AUTODESK INC COM Stock 052769106 2,636 11,020 SH   SOLE   0 0 11,020
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 2,702 18,145 SH   SOLE   0 0 18,145
BANCO BILBAO VIZCAYA ARGENTARI SPONSORED ADR ADR 05946K101 190 55,862 SH   SOLE   0 0 55,862
BK OF AMERICA CORP COM Stock 060505104 734 30,887 SH   SOLE   0 0 30,887
BANK NEW YORK MELLON CORP COM Stock 064058100 265 6,860 SH   SOLE   0 0 6,860
BECTON DICKINSON & CO COM Stock 075887109 351 1,467 SH   SOLE   0 0 1,467
BERKLEY W R CORP COM Stock 084423102 8,382 146,316 SH   SOLE   0 0 146,316
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 267 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2,393 13,403 SH   SOLE   0 0 13,403
BIOGEN INC COM Stock 09062X103 336 1,254 SH   SOLE   0 0 1,254
BLACKROCK INC COM Stock 09247X101 487 895 SH   SOLE   0 0 895
BLACKSTONE GROUP INC COM CL A Stock 09260D107 658 11,606 SH   SOLE   0 0 11,606
BOEING CO COM Stock 097023105 218 1,190 SH   SOLE   0 0 1,190
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 893 15,185 SH   SOLE   0 0 15,185
BROADCOM INC COM Stock 11135F101 280 887 SH   SOLE   0 0 887
BROOKFIELD ASSET MGMT INC CL A LTD VT SH Stock 112585104 345 10,494 SH   SOLE   0 0 10,494
BURLINGTON STORES INC COM Stock 122017106 229 1,164 SH   SOLE   0 0 1,164
CSX CORP COM Stock 126408103 226 3,239 SH   SOLE   0 0 3,239
CANADIAN NATL RY CO COM Stock 136375102 252 2,849 SH   SOLE   0 0 2,849
CARRIER GLOBAL CORPORATION COM Stock 14448C104 259 11,651 SH   SOLE   0 0 11,651
CHEVRON CORP NEW COM Stock 166764100 437 5,572 SH   SOLE   0 0 5,572
CISCO SYS INC COM Stock 17275R102 567 12,161 SH   SOLE   0 0 12,161
CINTAS CORP COM Stock 172908105 221 830 SH   SOLE   0 0 830
CITIGROUP INC COM NEW Stock 172967424 739 14,457 SH   SOLE   0 0 14,457
COCA COLA CO COM Stock 191216100 1,250 27,987 SH   SOLE   0 0 27,987
COHEN & STEERS LTD DURATION PF COM CEF 19248C105 1,417 62,945 SH   SOLE   0 0 62,945
COLGATE PALMOLIVE CO COM Stock 194162103 342 4,672 SH   SOLE   0 0 4,672
COMCAST CORP NEW CL A Stock 20030N101 1,742 44,692 SH   SOLE   0 0 44,692
COSTCO WHSL CORP NEW COM Stock 22160K105 383 1,264 SH   SOLE   0 0 1,264
DIAGEO P L C SPON ADR NEW ADR 25243Q205 221 1,648 SH   SOLE   0 0 1,648
DISNEY WALT CO COM DISNEY Stock 254687106 1,413 12,672 SH   SOLE   0 0 12,672
DOLLAR GEN CORP NEW COM Stock 256677105 2,175 11,415 SH   SOLE   0 0 11,415
DUPONT DE NEMOURS INC COM Stock 26614N102 276 5,192 SH   SOLE   0 0 5,192
ECOLAB INC COM Stock 278865100 570 2,867 SH   SOLE   0 0 2,867
EDISON INTL COM Stock 281020107 277 5,099 SH   SOLE   0 0 5,099
EMPIRE ST RLTY OP L P UNIT LTD PRT 60 Stock 292102209 217 32,211 SH   SOLE   0 0 32,211
ENBRIDGE INC COM Stock 29250N105 407 13,376 SH   SOLE   0 0 13,376
EXXON MOBIL CORP COM Stock 30231G102 1,120 25,048 SH   SOLE   0 0 25,048
FACEBOOK INC CL A Stock 30303M102 5,627 24,779 SH   SOLE   0 0 24,779
FAIR ISAAC CORP COM Stock 303250104 418 1,000 SH   SOLE   0 0 1,000
FOMENTO ECONOMICO MEXICANO SAB SPON ADR UNITS ADR 344419106 217 3,502 SH   SOLE   0 0 3,502
GARTNER INC COM Stock 366651107 1,384 11,411 SH   SOLE   0 0 11,411
GENERAL ELECTRIC CO COM Stock 369604103 309 45,294 SH   SOLE   0 0 45,294
GENERAL MLS INC COM Stock 370334104 257 4,164 SH   SOLE   0 0 4,164
HOME DEPOT INC COM Stock 437076102 2,980 11,897 SH   SOLE   0 0 11,897
HONEYWELL INTL INC COM Stock 438516106 705 4,877 SH   SOLE   0 0 4,877
HUBBELL INC COM Stock 443510607 248 1,980 SH   SOLE   0 0 1,980
ICICI BANK LIMITED ADR ADR 45104G104 186 19,968 SH   SOLE   0 0 19,968
INTEL CORP COM Stock 458140100 1,275 21,303 SH   SOLE   0 0 21,303
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 723 5,986 SH   SOLE   0 0 5,986
INTL PAPER CO COM Stock 460146103 377 10,719 SH   SOLE   0 0 10,719
ISHARES TIPS BOND ETF ETF 464287176 514 4,175 SH   SOLE   0 0 4,175
ISHARES S&P 500 GROWTH ETF ETF 464287309 3,369 16,238 SH   SOLE   0 0 16,238
ISHARES S&P 500 VALUE ETF ETF 464287408 992 9,169 SH   SOLE   0 0 9,169
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 453 2,868 SH   SOLE   0 0 2,868
ISHARES RUSSELL MID-CAP ETF ETF 464287499 2,665 49,720 SH   SOLE   0 0 49,720
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 430 3,821 SH   SOLE   0 0 3,821
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 2,332 12,149 SH   SOLE   0 0 12,149
ISHARES RUSSELL 1000 ETF ETF 464287622 485 2,825 SH   SOLE   0 0 2,825
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 343 3,516 SH   SOLE   0 0 3,516
ISHARES RUSSELL 2000 ETF ETF 464287655 273 1,908 SH   SOLE   0 0 1,908
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 331 5,462 SH   SOLE   0 0 5,462
ISHARES SHORT MATURITY BOND ETF ETF 46431W507 1,621 32,407 SH   SOLE   0 0 32,407
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 531 14,128 SH   SOLE   0 0 14,128
ITAU UNIBANCO HLDG S A SPON ADR REP PFD ADR 465562106 240 51,108 SH   SOLE   0 0 51,108
JPMORGAN CHASE & CO COM Stock 46625H100 1,411 15,005 SH   SOLE   0 0 15,005
JOHNSON & JOHNSON COM Stock 478160104 4,287 30,484 SH   SOLE   0 0 30,484
KIMBERLY CLARK CORP COM Stock 494368103 525 3,713 SH   SOLE   0 0 3,713
KINDER MORGAN INC DEL COM Stock 49456B101 315 20,756 SH   SOLE   0 0 20,756
MSCI INC COM Stock 55354G100 1,572 4,710 SH   SOLE   0 0 4,710
MACK CALI RLTY CORP COM REIT 554489104 229 15,000 SH   SOLE   0 0 15,000
MARKEL CORP COM Stock 570535104 443 480 SH   SOLE   0 0 480
MASTERCARD INCORPORATED CL A Stock 57636Q104 4,011 13,566 SH   SOLE   0 0 13,566
MCCORMICK & CO INC COM NON VTG Stock 579780206 206 1,149 SH   SOLE   0 0 1,149
MCDONALDS CORP COM Stock 580135101 324 1,757 SH   SOLE   0 0 1,757
MERCK & CO. INC COM Stock 58933Y105 1,155 14,938 SH   SOLE   0 0 14,938
METLIFE INC COM Stock 59156R108 333 9,121 SH   SOLE   0 0 9,121
MICROSOFT CORP COM Stock 594918104 12,734 62,572 SH   SOLE   0 0 62,572
MONDELEZ INTL INC CL A Stock 609207105 621 12,140 SH   SOLE   0 0 12,140
MOODYS CORP COM Stock 615369105 220 800 SH   SOLE   0 0 800
NETFLIX INC COM Stock 64110L106 1,713 3,765 SH   SOLE   0 0 3,765
NEXTERA ENERGY INC COM Stock 65339F101 1,323 5,510 SH   SOLE   0 0 5,510
NIKE INC CL B Stock 654106103 1,642 16,751 SH   SOLE   0 0 16,751
NORFOLK SOUTHERN CORP COM Stock 655844108 290 1,653 SH   SOLE   0 0 1,653
NVIDIA CORPORATION COM Stock 67066G104 388 1,020 SH   SOLE   0 0 1,020
ORACLE CORP COM Stock 68389X105 287 5,192 SH   SOLE   0 0 5,192
OTIS WORLDWIDE CORP COM Stock 68902V107 352 6,196 SH   SOLE   0 0 6,196
PNC FINL SVCS GROUP INC COM Stock 693475105 312 2,966 SH   SOLE   0 0 2,966
PPG INDS INC COM Stock 693506107 650 6,131 SH   SOLE   0 0 6,131
PAYPAL HLDGS INC COM Stock 70450Y103 3,782 21,708 SH   SOLE   0 0 21,708
PEPSICO INC COM Stock 713448108 1,591 12,029 SH   SOLE   0 0 12,029
PFIZER INC COM Stock 717081103 2,590 79,212 SH   SOLE   0 0 79,212
PROCTER AND GAMBLE CO COM Stock 742718109 2,609 21,818 SH   SOLE   0 0 21,818
PROGRESSIVE CORP OHIO COM Stock 743315103 598 7,466 SH   SOLE   0 0 7,466
PUBLIC SVC ENTERPRISE GRP INC COM Stock 744573106 346 7,036 SH   SOLE   0 0 7,036
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 1,353 21,953 SH   SOLE   0 0 21,953
REGENERON PHARMACEUTICALS COM Stock 75886F107 2,294 3,679 SH   SOLE   0 0 3,679
RIO TINTO PLC SPONSORED ADR ADR 767204100 269 4,794 SH   SOLE   0 0 4,794
SPDR S&P 500 ETF ETF 78462F103 1,542 5,001 SH   SOLE   0 0 5,001
SPDR GOLD SHARES ETF 78463V107 211 1,261 SH   SOLE   0 0 1,261
SPDR S&P DIVIDEND ETF ETF 78464A763 1,574 17,262 SH   SOLE   0 0 17,262
SALESFORCE COM INC COM Stock 79466L302 2,629 14,033 SH   SOLE   0 0 14,033
SANOFI SPONSORED ADR ADR 80105N105 209 4,087 SH   SOLE   0 0 4,087
SAP SE SPON ADR ADR 803054204 848 6,055 SH   SOLE   0 0 6,055
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 592 5,832 SH   SOLE   0 0 5,832
SCHWAB U.S. MID-CAP ETF ETF 808524508 2,210 42,008 SH   SOLE   0 0 42,008
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,458 22,311 SH   SOLE   0 0 22,311
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 583 11,275 SH   SOLE   0 0 11,275
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 371 3,710 SH   SOLE   0 0 3,710
SENSIENT TECHNOLOGIES CORP COM Stock 81725T100 211 4,050 SH   SOLE   0 0 4,050
SERVICENOW INC COM Stock 81762P102 2,600 6,418 SH   SOLE   0 0 6,418
STARBUCKS CORP COM Stock 855244109 1,765 23,991 SH   SOLE   0 0 23,991
SYSCO CORP COM Stock 871829107 306 5,596 SH   SOLE   0 0 5,596
TCG BDC INC COM CEF 872280102 485 56,650 SH   SOLE   0 0 56,650
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 846 14,896 SH   SOLE   0 0 14,896
TEXAS INSTRS INC COM Stock 882508104 1,217 9,582 SH   SOLE   0 0 9,582
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 318 877 SH   SOLE   0 0 877
3M CO COM Stock 88579Y101 1,900 12,180 SH   SOLE   0 0 12,180
TIFFANY & CO NEW COM Stock 886547108 219 1,800 SH   SOLE   0 0 1,800
TRAVELERS COMPANIES INC COM Stock 89417E109 1,275 11,175 SH   SOLE   0 0 11,175
US BANCORP DEL COM NEW Stock 902973304 236 6,405 SH   SOLE   0 0 6,405
UNILEVER PLC SPON ADR NEW ADR 904767704 301 5,476 SH   SOLE   0 0 5,476
UNION PAC CORP COM Stock 907818108 846 5,004 SH   SOLE   0 0 5,004
UNITED PARCEL SERVICE INC CL B Stock 911312106 704 6,333 SH   SOLE   0 0 6,333
UNITEDHEALTH GROUP INC COM Stock 91324P102 2,045 6,934 SH   SOLE   0 0 6,934
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 2,259 19,279 SH   SOLE   0 0 19,279
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 411 10,598 SH   SOLE   0 0 10,598
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 408 5,179 SH   SOLE   0 0 5,179
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 288 6,052 SH   SOLE   0 0 6,052
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 337 8,497 SH   SOLE   0 0 8,497
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 406 1,455 SH   SOLE   0 0 1,455
VANGUARD S&P 500 ETF ETF 922908363 669 2,359 SH   SOLE   0 0 2,359
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 334 2,026 SH   SOLE   0 0 2,026
VANGUARD REAL ESTATE ETF ETF 922908553 684 8,710 SH   SOLE   0 0 8,710
VERIZON COMMUNICATIONS INC COM Stock 92343V104 1,841 33,391 SH   SOLE   0 0 33,391
VERTEX PHARMACEUTICALS INC COM Stock 92532F100 287 987 SH   SOLE   0 0 987
VISA INC COM CL A Stock 92826C839 4,579 23,703 SH   SOLE   0 0 23,703
VULCAN MATLS CO COM Stock 929160109 235 2,027 SH   SOLE   0 0 2,027
WEC ENERGY GROUP INC COM Stock 92939U106 446 5,092 SH   SOLE   0 0 5,092
WALMART INC COM Stock 931142103 715 5,967 SH   SOLE   0 0 5,967
WASTE MGMT INC DEL COM Stock 94106L109 742 7,009 SH   SOLE   0 0 7,009
WELLS FARGO CO NEW COM Stock 949746101 406 15,877 SH   SOLE   0 0 15,877
WILLIAMS COS INC COM Stock 969457100 374 19,641 SH   SOLE   0 0 19,641
ZOETIS INC CL A Stock 98978V103 3,338 24,359 SH   SOLE   0 0 24,359
AON PLC SHS CL A Stock G0403H108 517 2,686 SH   SOLE   0 0 2,686
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 3,807 17,732 SH   SOLE   0 0 17,732
LINDE PLC SHS Stock G5494J103 722 3,405 SH   SOLE   0 0 3,405
MEDTRONIC PLC SHS Stock G5960L103 308 3,356 SH   SOLE   0 0 3,356
ALCON AG ORD SHS Stock H01301128 292 5,100 SH   SOLE   0 0 5,100
CHUBB LIMITED COM Stock H1467J104 381 3,009 SH   SOLE   0 0 3,009
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 374 3,485 SH   SOLE   0 0 3,485
YANDEX N V SHS CLASS A Stock N97284108 225 4,490 SH   SOLE   0 0 4,490