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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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
ABBOTT LABS COM 002824100   2,095,843 19,041 SH   OTR   0 0 19,041
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   321,434 916 SH   OTR   0 0 916
ALLSTATE CORP COM 020002101   323,656 2,312 SH   OTR   0 0 2,312
ALPHABET INC CAP STK CL C 02079K107   3,625,706 25,727 SH   OTR   0 0 25,727
AMAZON COM INC COM 023135106   726,425 4,781 SH   OTR   0 0 4,781
AMERICAN TOWER CORP NEW COM 03027X100   361,599 1,675 SH   OTR   0 0 1,675
ANALOG DEVICES INC COM 032654105   1,252,119 6,306 SH   OTR   0 0 6,306
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   309,530 4,790 SH   OTR   0 0 4,790
APPLE INC COM 037833100   13,234,012 68,737 SH   OTR   0 0 68,737
APPLIED MATLS INC COM 038222105   221,226 1,365 SH   OTR   0 0 1,365
AUTOLIV INC COM 052800109   455,085 4,130 SH   OTR   0 0 4,130
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,631,437 7,378 SH   OTR   0 0 7,378
BLOCK H & R INC COM 093671105   241,850 5,000 SH   OTR   0 0 5,000
BOEING CO COM 097023105   332,081 1,274 SH   OTR   0 0 1,274
BRISTOL-MYERS SQUIBB CO COM 110122108   287,336 5,600 SH   OTR   0 0 5,600
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   425,115 13,500 SH   OTR   0 0 13,500
CAMTEK LTD ORD M20791105   263,922 3,804 SH   OTR   0 0 3,804
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   467,613 19,590 SH   OTR   0 0 19,590
CHEVRON CORP NEW COM 166764100   1,402,253 9,401 SH   OTR   0 0 9,401
CISCO SYS INC COM 17275R102   240,425 4,759 SH   OTR   0 0 4,759
COCA COLA CO COM 191216100   370,375 6,285 SH   OTR   0 0 6,285
COMCAST CORP NEW CL A 20030N101   1,341,678 30,597 SH   OTR   0 0 30,597
CONOCOPHILLIPS COM 20825C104   839,534 7,233 SH   OTR   0 0 7,233
CSX CORP COM 126408103   771,234 22,245 SH   OTR   0 0 22,245
ELI LILLY & CO COM 532457108   623,724 1,070 SH   OTR   0 0 1,070
EXXON MOBIL CORP COM 30231G102   1,045,191 10,454 SH   OTR   0 0 10,454
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,682,716 36,549 SH   OTR   0 0 36,549
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   411,236 3,501 SH   OTR   0 0 3,501
FLEXSHARES TR STOX US ESG SLCT 33939L696   1,382,294 11,914 SH   OTR   0 0 11,914
GENERAL ELECTRIC CO COM NEW 369604301   491,631 3,852 SH   OTR   0 0 3,852
GIBRALTAR INDS INC COM 374689107   1,798,770 22,775 SH   OTR   0 0 22,775
HOME DEPOT INC COM 437076102   264,673 764 SH   OTR   0 0 764
ILLINOIS TOOL WKS INC COM 452308109   1,479,175 5,647 SH   OTR   0 0 5,647
INTEL CORP COM 458140100   312,656 6,222 SH   OTR   0 0 6,222
INTERNATIONAL BUSINESS MACHS COM 459200101   628,850 3,845 SH   OTR   0 0 3,845
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   219,102 4,120 SH   OTR   0 0 4,120
INVESCO QQQ TR UNIT SER 1 46090E103   9,397,223 22,947 SH   OTR   0 0 22,947
ISHARES INC MSCI EMERG MRKT 464286533   486,968 8,760 SH   OTR   0 0 8,760
ISHARES TR MSCI EAFE MIN VL 46429B689   1,232,865 17,780 SH   OTR   0 0 17,780
ISHARES TR MORNINGSTAR GRWT 464287119   288,235 4,250 SH   OTR   0 0 4,250
ISHARES TR IBONDS DEC 27 46435U283   810,890 31,906 SH   OTR   0 0 31,906
ISHARES TR MSCI USA ESG SLC 464288802   6,842,857 68,081 SH   OTR   0 0 68,081
ISHARES TR CORE MSCI TOTAL 46432F834   247,131 3,806 SH   OTR   0 0 3,806
ISHARES TR ESG AW MSCI EAFE 46435G516   8,607,752 113,950 SH   OTR   0 0 113,950
ISHARES TR U.S. TECH ETF 464287721   1,738,754 14,165 SH   OTR   0 0 14,165
ISHARES TR US HLTHCARE ETF 464287762   286,240 1,000 SH   OTR   0 0 1,000
ISHARES TR S&P 100 ETF 464287101   11,300,630 50,587 SH   OTR   0 0 50,587
ISHARES TR ESG AWARE MSCI 46435U663   337,871 8,889 SH   OTR   0 0 8,889
ISHARES TR CORE S&P500 ETF 464287200   9,770,468 20,456 SH   OTR   0 0 20,456
ISHARES TR MSCI EAFE ETF 464287465   212,487 2,820 SH   OTR   0 0 2,820
ISHARES TR IBONDS DEC 46435U697   961,939 37,098 SH   OTR   0 0 37,098
ISHARES TR RUS 2000 GRW ETF 464287648   297,367 1,179 SH   OTR   0 0 1,179
ISHARES TR IBONDS DEC 25 46435U432   914,481 34,450 SH   OTR   0 0 34,450
ISHARES TR INTL DIV GRWTH 46435G524   916,894 14,200 SH   OTR   0 0 14,200
ISHARES TR MSCI USA MIN VOL 46429B697   2,036,193 26,095 SH   OTR   0 0 26,095
ISHARES TR IBONDS DEC 26 46435U259   894,111 35,048 SH   OTR   0 0 35,048
ISHARES TR MSCI EMG MKT ETF 464287234   1,136,938 28,275 SH   OTR   0 0 28,275
ISHARES TR IBONDS DEC 28 46435U325   807,340 31,549 SH   OTR   0 0 31,549
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   12,706,859 252,973 SH   OTR   0 0 252,973
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   23,899,052 499,353 SH   OTR   0 0 499,353
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   302,390 5,500 SH   OTR   0 0 5,500
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   17,491,036 371,478 SH   OTR   0 0 371,478
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   710,309 13,999 SH   OTR   0 0 13,999
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   536,474 10,816 SH   OTR   0 0 10,816
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   16,243,367 348,952 SH   OTR   0 0 348,952
JOHNSON & JOHNSON COM 478160104   1,133,387 7,231 SH   OTR   0 0 7,231
JPMORGAN CHASE & CO COM 46625H100   2,601,169 15,292 SH   OTR   0 0 15,292
JUNIPER NETWORKS INC COM 48203R104   1,293,789 43,887 SH   OTR   0 0 43,887
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   540,667 23,175 SH   OTR   0 0 23,175
MASTERCARD INCORPORATED CL A 57636Q104   1,683,861 3,948 SH   OTR   0 0 3,948
MCDONALDS CORP COM 580135101   205,481 693 SH   OTR   0 0 693
META PLATFORMS INC CL A 30303M102   258,391 730 SH   OTR   0 0 730
MICROSOFT CORP COM 594918104   5,039,701 13,402 SH   OTR   0 0 13,402
NETFLIX INC COM 64110L106   219,096 450 SH   OTR   0 0 450
NORFOLK SOUTHN CORP COM 655844108   776,745 3,286 SH   OTR   0 0 3,286
NOVAVAX INC COM NEW 670002401   48,000 10,000 SH   OTR   0 0 10,000
NVIDIA CORPORATION COM 67066G104   1,281,633 2,588 SH   OTR   0 0 2,588
ORACLE CORP COM 68389X105   492,042 4,667 SH   OTR   0 0 4,667
PEPSICO INC COM 713448108   902,190 5,312 SH   OTR   0 0 5,312
PFIZER INC COM 717081103   930,386 32,316 SH   OTR   0 0 32,316
PHILLIPS 66 COM 718546104   632,016 4,747 SH   OTR   0 0 4,747
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   7,658,483 76,746 SH   OTR   0 0 76,746
PIMCO HIGH INCOME FD COM SHS 722014107   77,430 15,517 SH   OTR   0 0 15,517
PROCTER AND GAMBLE CO COM 742718109   455,886 3,111 SH   OTR   0 0 3,111
PUBLIC STORAGE COM 74460D109   858,575 2,815 SH   OTR   0 0 2,815
QUALCOMM INC COM 747525103   879,206 6,079 SH   OTR   0 0 6,079
SCHLUMBERGER LTD COM STK 806857108   416,320 8,000 SH   OTR   0 0 8,000
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   793,098 9,560 SH   OTR   0 0 9,560
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,753,981 44,462 SH   OTR   0 0 44,462
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   3,345,354 60,440 SH   OTR   0 0 60,440
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   293,384 6,055 SH   OTR   0 0 6,055
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   739,122 13,105 SH   OTR   0 0 13,105
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   228,205 4,895 SH   OTR   0 0 4,895
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   204,108 5,095 SH   OTR   0 0 5,095
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,346,518 2,833 SH   OTR   0 0 2,833
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   404,889 798 SH   OTR   0 0 798
SPDR SER TR RUSSELL YIELD 78468R770   315,052 3,128 SH   OTR   0 0 3,128
SPDR SER TR S&P HOMEBUILD 78464A888   245,846 2,570 SH   OTR   0 0 2,570
STARBUCKS CORP COM 855244109   471,601 4,912 SH   OTR   0 0 4,912
TESLA INC COM 88160R101   595,855 2,398 SH   OTR   0 0 2,398
THE CIGNA GROUP COM 125523100   504,573 1,685 SH   OTR   0 0 1,685
UNION PAC CORP COM 907818108   982,480 4,000 SH   OTR   0 0 4,000
UNITEDHEALTH GROUP INC COM 91324P102   2,363,850 4,490 SH   OTR   0 0 4,490
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   643,871 3,682 SH   OTR   0 0 3,682
VANGUARD INDEX FDS SMALL CP ETF 922908751   17,501,294 82,039 SH   OTR   0 0 82,039
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   575,273 2,620 SH   OTR   0 0 2,620
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,874,939 15,975 SH   OTR   0 0 15,975
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,026,119 11,613 SH   OTR   0 0 11,613
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,368,879 9,986 SH   OTR   0 0 9,986
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   238,493 546 SH   OTR   0 0 546
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,522,605 10,500 SH   OTR   0 0 10,500
VANGUARD INDEX FDS GROWTH ETF 922908736   14,115,842 45,406 SH   OTR   0 0 45,406
VANGUARD INDEX FDS MID CAP ETF 922908629   12,380,221 53,216 SH   OTR   0 0 53,216
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   799,601 19,455 SH   OTR   0 0 19,455
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   951,980 18,648 SH   OTR   0 0 18,648
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   19,647,122 115,300 SH   OTR   0 0 115,300
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,617,184 45,155 SH   OTR   0 0 45,155
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   24,734,218 516,372 SH   OTR   0 0 516,372
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   401,980 3,601 SH   OTR   0 0 3,601
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   601,559 7,582 SH   OTR   0 0 7,582
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,724,314 71,053 SH   OTR   0 0 71,053
VISA INC COM CL A 92826C839   2,455,937 9,433 SH   OTR   0 0 9,433
WEYERHAEUSER CO MTN BE COM NEW 962166104   203,891 5,864 SH   OTR   0 0 5,864
WISDOMTREE TR US QTLY DIV GRT 97717X669   4,366,496 62,130 SH   OTR   0 0 62,130