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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
OJSC OC ROSNEFT RUB 0.01 GDR REG SHS 00B17FSC2   17,820 15,000 SH   SOLE   15,000 0 0
GLENCORE PLC REG SHS 00B4T3BW6   222,671 37,000 SH   SOLE   37,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   5,102,933 14,542 SH   SOLE   14,542 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   26,318 75 SH   OTR   75 0 0
EATON CORP PLC SHS G29183103   307,286 1,276 SH   SOLE   1,276 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   302,768 400 SH   OTR   400 0 0
AT&T INC COM 00206R102   583,440 34,770 SH   SOLE   34,770 0 0
AT&T INC COM 00206R102   44,852 2,673 SH   OTR   2,673 0 0
ABBOTT LABS COM 002824100   2,157,702 19,603 SH   SOLE   19,603 0 0
ABBOTT LABS COM 002824100   110,620 1,005 SH   OTR   1,005 0 0
ABBVIE INC COM 00287Y109   2,507,259 16,179 SH   SOLE   16,179 0 0
ABBVIE INC COM 00287Y109   206,884 1,335 SH   OTR   1,335 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   2,045,221 103,608 SH   SOLE   103,608 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   25,115,694 275,936 SH   SOLE   275,936 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   39,138 430 SH   OTR   430 0 0
ADOBE INC COM 00724F101   13,795,778 23,124 SH   SOLE   23,124 0 0
ADOBE INC COM 00724F101   369,892 620 SH   OTR   620 0 0
ALLSTATE CORP COM 002002101   463,893 3,314 SH   SOLE   3,314 0 0
ALPHABET INC CAP STK CL C 02079K107   15,215,789 107,967 SH   SOLE   107,967 0 0
ALPHABET INC CAP STK CL C 02079K107   601,771 4,270 SH   OTR   4,270 0 0
ALPHABET INC CAP STK CL A 02079K305   1,603,361 11,478 SH   SOLE   11,478 0 0
AMAZON COM INC COM 023135106   1,798,817 11,839 SH   SOLE   11,839 0 0
AMERICAN EXPRESS CO COM 025816109   1,439,520 7,684 SH   SOLE   7,684 0 0
AMERICAN EXPRESS CO COM 025816109   112,404 600 SH   OTR   600 0 0
AMERICAN TOWER CORP NEW COM 03027X100   3,267,559 15,136 SH   SOLE   15,136 0 0
AMERICAN TOWER CORP NEW COM 03027X100   5,397 25 SH   OTR   25 0 0
AMERIPRISE FINL INC COM 03076C106   245,370 646 SH   SOLE   646 0 0
AMGEN INC COM 031162100   9,385,707 32,587 SH   SOLE   32,587 0 0
AMGEN INC COM 031162100   132,489 460 SH   OTR   460 0 0
AMPHENOL CORP NEW CL A 032095101   4,976,524 50,202 SH   SOLE   50,202 0 0
AMPHENOL CORP NEW CL A 032095101   8,921 90 SH   OTR   90 0 0
APPLE INC COM 037833100   30,735,681 159,641 SH   SOLE   159,641 0 0
APPLE INC COM 037833100   581,055 3,018 SH   OTR   3,018 0 0
APPLIED MATLS INC COM 038222105   3,314,979 20,454 SH   SOLE   20,454 0 0
APPLIED MATLS INC COM 038222105   184,759 1,140 SH   OTR   1,140 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   7,013,794 30,106 SH   SOLE   30,106 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   488,072 2,095 SH   OTR   2,095 0 0
BP PLC SPONSORED ADR 055622104   234,595 6,627 SH   SOLE   6,627 0 0
BRP GROUP INC COM CL A 05589G102   480,400 20,000 SH   SOLE   20,000 0 0
BANK AMERICA CORP COM 060505104   209,090 6,210 SH   SOLE   6,210 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   7,069,714 19,822 SH   SOLE   19,822 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   29,602 83 SH   OTR   83 0 0
VOLEX PLC ORD REG SHS 000939007   1,150,658 282,961 SH   SOLE   282,961 0 0
BOEING CO COM 097023105   818,733 3,141 SH   SOLE   3,141 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   561,074 10,935 SH   SOLE   10,935 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   24,372 475 SH   OTR   475 0 0
BROADCOM INC COM 11135F101   494,498 443 SH   SOLE   443 0 0
THE CIGNA GROUP COM 125523100   833,668 2,784 SH   SOLE   2,784 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   252,148 4,389 SH   SOLE   4,389 0 0
CATERPILLAR INC COM 149123101   110,580 374 SH   SOLE   374 0 0
CATERPILLAR INC COM 149123101   643,082 2,175 SH   OTR   2,175 0 0
CHEMED CORP NEW COM 16359R103   3,617,263 6,186 SH   SOLE   6,186 0 0
CHEMED CORP NEW COM 16359R103   2,923 5 SH   OTR   5 0 0
1CHEVRON CORP NEW COM 166764100   6,909,389 46,322 SH   SOLE   46,322 0 0
CHEVRON CORP NEW COM 166764100   213,746 1,433 SH   OTR   1,433 0 0
CHURCH & DWIGHT CO INC COM 171340102   4,590,509 48,546 SH   SOLE   48,546 0 0
CHURCH & DWIGHT CO INC COM 171340102   9,456 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102   775,178 15,344 SH   SOLE   15,344 0 0
CISCO SYS INC COM 17275R102   34,101 675 SH   OTR   675 0 0
CINTAS CORP COM 172908105   222,984 370 SH   SOLE   370 0 0
CLOROX CO DEL COM 189054109   2,601,554 18,245 SH   SOLE   18,245 0 0
COCA COLA CO COM 191216100   480,397 8,152 SH   SOLE   8,152 0 0
COCA COLA CO COM 191216100   117,860 2,000 SH   OTR   2,000 0 0
COLGATE PALMOLIVE CO COM 194162103   354,868 4,452 SH   SOLE   4,452 0 0
COMCAST CORP NEW CL A 20030N101   6,309,181 143,881 SH   SOLE   143,881 0 0
COMCAST CORP NEW CL A 20030N101   15,172 346 SH   OTR   346 0 0
CONOCOPHILLIPS COM 20825C104   641,170 5,524 SH   SOLE   5,524 0 0
COSTCO WHSL CORP NEW COM 22160K105   6,370,432 9,651 SH   SOLE   9,651 0 0
COSTCO WHSL CORP NEW COM 22160K105   122,114 185 SH   OTR   185 0 0
DANAHER CORPORATION COM 235851102   359,733 1,555 SH   SOLE   1,555 0 0
DEERE & CO COM 244199105   648,189 1,621 SH   SOLE   1,621 0 0
DISNEY WALT CO COM 254687106   908,949 10,067 SH   SOLE   10,067 0 0
DISNEY WALT CO COM 254687106   145,096 1,607 SH   OTR   1,607 0 0
ECOLAB INC COM 278865100   7,048,367 35,535 SH   SOLE   35,535 0 0
ECOLAB INC COM 278865100   12,892 65 SH   OTR   65 0 0
EDWARDS LIFESCIENCES CORP COM 28176E112   223,793 2,935 SH   SOLE   2,935 0 0
EMERSON ELEC CO COM 291011104   1,280,278 13,154 SH   SOLE   13,154 0 0
EMERSON ELEC CO COM 291011104   158,647 1,630 SH   OTR   1,630 0 0
EVERSOURCE ENERGY COM 30040W108   526,841 8,536 SH   SOLE   8,536 0 0
EXXON MOBIL CORP COM 30231G102   11,345,830 113,481 SH   SOLE   113,481 0 0
EXXON MOBIL CORP COM 30231G102   372,125 3,722 SH   OTR   3,722 0 0
FEDEX CORP COM 31428X106   246,139 973 SH   SOLE   973 0 0
FISERV INC COM 337738108   285,738 2,151 SH   SOLE   2,151 0 0
FISERV INC COM 337738108   5,313 40 SH   OTR   40 0 0
FORTINET INC COM 34959E113   2,870,955 49,051 SH   SOLE   49,051 0 0
FORTINET INC COM 34959E113   9,950 170 SH   OTR   170 0 0
GENERAL ELECTRIC CO COM NEW 369604301   772,927 6,056 SH   SOLE   6,056 0 0
GENERAL ELECTRIC CO COM NEW 369604301   3,828 30 SH   OTR   30 0 0
GENERAL MLS INC COM 370334104   389,667 5,982 SH   SOLE   5,982 0 0
HERSHEY CO COM 427866108   2,951,904 15,833 SH   SOLE   15,833 0 0
HOME DEPOT INC COM 437076102   11,687,052 33,724 SH   SOLE   33,724 0 0
HOME DEPOT INC COM 437076102   409,622 1,182 SH   OTR   1,182 0 0
HONEYWELL INTL INC COM 438516106   718,676 3,427 SH   SOLE   3,427 0 0
IDEXX LABS INC COM 45168D104   3,399,681 6,125 SH   SOLE   6,125 0 0
IDEXX LABS INC COM 45168D104   9,435 17 SH   OTR   17 0 0
ILLINOIS TOOL WKS INC COM 452308109   4,198,374 16,028 SH   SOLE   16,028 0 0
ILLINOIS TOOL WKS INC COM 452308109   90,369 345 SH   OTR   345 0 0
INTEL CORP COM 458140100   609,482 12,129 SH   SOLE   12,129 0 0
INTEL CORP COM 458140100   327,831 6,524 SH   OTR   6,524 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   450,416 2,754 SH   SOLE   2,754 0 0
INVESCO QQQ TR UNIT SER 1 46090E107   762,526 1,862 SH   SOLE   1,862 0 0
INTUIT COM 461202103   6,158,420 9,853 SH   SOLE   9,853 0 0
INTUIT COM 461202103   36,251 58 SH   OTR   58 0 0
ISHARES GOLD TR ISHARES NEW 464285204   330,427 8,466 SH   SOLE   8,466 0 0
ISHARES TR TIPS BD ETF 464287176   569,697 5,300 SH   SOLE   5,300 0 0
ISHARES TR CORE S&P500 ETF 464287200   82,961,942 173,695 SH   SOLE   173,695 0 0
ISHARES TR CORE S&P500 ETF 464287200   395,955 829 SH   OTR   829 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   290,758 7,231 SH   SOLE   7,231 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   5,589 139 SH   OTR   139 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,617,206 34,734 SH   SOLE   34,734 0 0
ISHARES TR MSCI EAFE ETF 464287465   133,143 1,767 SH   OTR   1,767 0 0
ISHARES TR RUS MID CAP ETF 464287499   479,205 6,165 SH   SOLE   6,165 0 0
ISHARES TR RUS MID CAP ETF 464287499   64,982 836 SH   OTR   836 0 0
1ISHARES TR CORE S&P MCP ETF 464287507   60,106,629 216,874 SH   SOLE   216,874 0 0
ISHARES TR CORE S&P MCP ETF 464287507   306,250 1,105 SH   OTR   1,105 0 0
ISHARES TR GLOBAL 100 ETF 464287572   952,873 11,834 SH   SOLE   11,834 0 0
ISHARES TR GLOBAL 100 ETF 464287572   174,728 2,170 SH   OTR   2,170 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   254,359 839 SH   SOLE   839 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   6,044,783 30,117 SH   SOLE   30,117 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   73,259 365 SH   OTR   365 0 0
ISHARES TR U.S. REAL ES ETF 464287739   286,387 3,133 SH   SOLE   3,133 0 0
ISHARES TR CORE S&P SCP ETF 464287804   32,849,869 303,463 SH   SOLE   303,463 0 0
ISHARES TR CORE S&P SCP ETF 464287804   316,414 2,923 SH   OTR   2,923 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   818,347 7,762 SH   SOLE   7,762 0 0
ISHARES TR JPMORGAN USD EMG 464288281   979,125 10,994 SH   SOLE   10,994 0 0
ISHARES TR USD INV GRDE ETF 464288620   516,085 10,068 SH   SOLE   10,068 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   371,592 7,146 SH   SOLE   7,146 0 0
ISHARES TR US REGNL BKS ETF 464288778   259,910 6,212 SH   SOLE   6,212 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   22,244,098 439,433 SH   SOLE   439,433 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   71,323 1,409 SH   OTR   1,409 0 0
ISHARES TR CORE MSCI EAFE 46432F842   41,475,897 589,565 SH   SOLE   589,565 0 0
ISHARES TR CORE MSCI EAFE 46432F842   66,621 947 SH   OTR   947 0 0
ISHARES INC CORE MSCI EMKT 46434G103   23,654,849 467,672 SH   SOLE   467,672 0 0
ISHARES INC CORE MSCI EMKT 46434G103   15,983 316 SH   OTR   316 0 0
ISHARES INC MSCI EMRG CHN 46434G764   379,613 6,851 SH   SOLE   6,851 0 0
ISHARES TR CORE MSCI INTL 46435G326   10,841,552 170,304 SH   SOLE   170,304 0 0
ISHARES TR CORE MSCI INTL 46435G326   217,398 3,415 SH   OTR   3,415 0 0
JPMORGAN CHASE & CO COM 46625H100   14,034,100 82,505 SH   SOLE   82,505 0 0
JPMORGAN CHASE & CO COM 46625H100   610,829 3,591 SH   OTR   3,591 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878   273,423 5,955 SH   SOLE   5,955 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878   14,646 319 SH   OTR   319 0 0
JOHNSON & JOHNSON COM 478160104   11,832,459 75,491 SH   SOLE   75,491 0 0
JOHNSON & JOHNSON COM 478160104   527,430 3,365 SH   OTR   3,365 0 0
KIMBERLY-CLARK CORP COM 494368103   148,242 1,220 SH   SOLE   1,220 0 0
KIMBERLY-CLARK CORP COM 494368103   89,917 740 SH   OTR   740 0 0
ELI LILLY & CO COM 532457108   1,285,338 2,205 SH   SOLE   2,205 0 0
ELI LILLY & CO COM 532457108   191,197 328 SH   OTR   328 0 0
LIVONIA, AVON & LAKEVILLE RA REG SHS 539184309   1,551,438 6 SH   SOLE   6 0 0
LOCKHEED MARTIN CORP COM 539830109   4,465,320 9,852 SH   SOLE   9,852 0 0
LOCKHEED MARTIN CORP COM 539830109   4,532 10 SH   OTR   10 0 0
LOWES COS INC COM 548661107   417,058 1,874 SH   SOLE   1,874 0 0
MSCI INC COM 55354G100   4,431,867 7,835 SH   SOLE   7,835 0 0
MARSH & MCLENNAN COS INC COM 571748102   5,125,163 27,050 SH   SOLE   27,050 0 0
MASCO CORP COM 574599106   221,234 3,303 SH   SOLE   3,303 0 0
MASTERCARD INCORPORATED CL A 57636Q104   2,261,782 5,303 SH   SOLE   5,303 0 0
MCDONALDS CORP COM 580135101   8,645,342 29,157 SH   SOLE   29,157 0 0
MCDONALDS CORP COM 580135101   343,358 1,158 SH   OTR   1,158 0 0
MERCK & CO INC COM 58933Y105   1,395,783 12,803 SH   SOLE   12,803 0 0
MERCK & CO INC COM 58933Y105   37,066 340 SH   OTR   340 0 0
MICROSOFT CORP COM 594918104   28,272,943 75,186 SH   SOLE   75,186 0 0
MICROSOFT CORP COM 594918104   1,640,286 4,362 SH   OTR   4,362 0 0
MONDELEZ INTL INC CL A 609207105   278,855 3,850 SH   SOLE   3,850 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109   4,926,691 85,518 SH   SOLE   85,518 0 0
NETFLIX INC COM 64110L106   5,846,455 12,008 SH   SOLE   12,008 0 0
NETFLIX INC COM 64110L106   9,737 20 SH   OTR   20 0 0
NEXTERA ENERGY INC COM 65339F101   6,343,685 104,440 SH   SOLE   104,440 0 0
NEXTERA ENERGY INC COM 65339F101   293,981 4,840 SH   OTR   4,840 0 0
NIKE INC CL B 654106103   2,492,658 22,959 SH   SOLE   22,959 0 0
NIKE INC CL B 654106103   43,428 400 SH   OTR   400 0 0
NORFOLK SOUTHN CORP COM 655844108   2,400,911 10,157 SH   SOLE   10,157 0 0
NORFOLK SOUTHN CORP COM 655844108   76,114 322 SH   OTR   322 0 0
NORTHERN TR CORP COM 665859104   712,757 8,447 SH   SOLE   8,447 0 0
NORTHERN TR CORP COM 665859104   42,190 500 SH   OTR   500 0 0
1NOVARTIS AG SPONSORED ADR 66987V109   280,090 2,774 SH   SOLE   2,774 0 0
NOVARTIS AG SPONSORED ADR 66987V109   27,766 275 SH   OTR   275 0 0
NOVO-NORDISK A S ADR 670100205   82,760 800 SH   SOLE   800 0 0
NOVO-NORDISK A S ADR 670100205   144,830 1,400 SH   OTR   1,400 0 0
NUCOR CORP COM 670346105   1,560,094 8,964 SH   SOLE   8,964 0 0
NVIDIA CORPORATION COM 67066G104   8,280,573 16,721 SH   SOLE   16,721 0 0
NVIDIA CORPORATION COM 67066G104   79,730 161 SH   OTR   161 0 0
ORACLE CORP COM 68389X105   487,297 4,622 SH   SOLE   4,622 0 0
PPG INDS INC COM 693506107   255,730 1,710 SH   SOLE   1,710 0 0
PACKAGING CORP AMER COM 695156109   3,347,800 20,550 SH   SOLE   20,550 0 0
PACKAGING CORP AMER COM 695156109   6,516 40 SH   OTR   40 0 0
PEPSICO INC COM 713448108   8,567,239 50,443 SH   SOLE   50,443 0 0
PEPSICO INC COM 713448108   188,352 1,109 SH   OTR   1,109 0 0
PFIZER INC COM 717081103   773,385 26,863 SH   SOLE   26,863 0 0
PFIZER INC COM 717081103   33,828 1,175 SH   OTR   1,175 0 0
PHILLIPS 66 COM 718546104   413,000 3,102 SH   SOLE   3,102 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   6,368,876 65,483 SH   SOLE   65,483 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   93,077 957 SH   OTR   957 0 0
PLYMOUTH INDL REIT INC COM 729640102   1,695,153 70,426 SH   SOLE   70,426 0 0
PORSCHE AUTOMOBIL HLDG SE UNSPONSORD ADR 73328P106   74,201 14,501 SH   SOLE   14,501 0 0
PRICE T ROWE GROUP INC COM 74144T108   4,223,278 39,217 SH   SOLE   39,217 0 0
PRICE T ROWE GROUP INC COM 74144T108   33,383 310 SH   OTR   310 0 0
PROCTER AND GAMBLE CO COM 742718109   3,567,516 24,345 SH   SOLE   24,345 0 0
PROCTER AND GAMBLE CO COM 742718109   617,373 4,213 SH   OTR   4,213 0 0
PROLOGIS INC. COM 74340W103   839,390 6,297 SH   SOLE   6,297 0 0
PUBLIC STORAGE COM 74460D109   3,550,200 11,640 SH   SOLE   11,640 0 0
PUBLIC STORAGE COM 74460D109   10,675 35 SH   OTR   35 0 0
QUALCOMM INC COM 747525103   6,039,459 41,758 SH   SOLE   41,758 0 0
QUALCOMM INC COM 747525103   9,400 65 SH   OTR   65 0 0
QUEST DIAGNOSTICS INC COM 74834L100   312,987 2,270 SH   SOLE   2,270 0 0
QUEST DIAGNOSTICS INC COM 74834L100   13,788 100 SH   OTR   100 0 0
RTX CORPORATION COM 75513E105   744,723 8,851 SH   SOLE   8,851 0 0
RTX CORPORATION COM 75513E105   23,138 275 SH   OTR   275 0 0
RESMED INC COM 761152107   4,791,273 27,853 SH   SOLE   27,853 0 0
RESMED INC COM 761152107   30,103 175 SH   OTR   175 0 0
SHELL PLC SPON ADS 780259305   301,035 4,575 SH   SOLE   4,575 0 0
SHELL PLC SPON ADS 780259305   21,385 325 SH   OTR   325 0 0
S&P GLOBAL INC COM 78409V104   5,094,613 11,565 SH   SOLE   11,565 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,062,422 6,443 SH   SOLE   6,443 0 0
SPDR GOLD TR GOLD SHS 78463V107   4,513,714 23,611 SH   SOLE   23,611 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,961,422 111,873 SH   SOLE   111,873 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   91,003 2,570 SH   OTR   2,570 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,747,066 69,054 SH   SOLE   69,054 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   3,416,203 133,602 SH   SOLE   133,602 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   23,652 925 SH   OTR   925 0 0
SPDR SER TR S&P BK ETF 78464A797   528,769 11,490 SH   SOLE   11,490 0 0
SPDR SER TR S&P BK ETF 78464A797   49,885 1,084 SH   OTR   1,084 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   964,217 19,791 SH   SOLE   19,791 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,991,097 9,837 SH   SOLE   9,837 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   39,461,897 1,358,413 SH   SOLE   1,358,413 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   99,060 3,410 SH   OTR   3,410 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   1,146,157 27,173 SH   SOLE   27,173 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   329,262 4,325 SH   SOLE   4,325 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,356,309 27,994 SH   SOLE   27,994 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   17,015,842 325,974 SH   SOLE   325,974 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   26,622 510 SH   OTR   510 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   233,618 1,713 SH   SOLE   1,713 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,949,072 35,175 SH   SOLE   35,175 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   19,786 236 SH   OTR   236 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   565,618 4,962 SH   SOLE   4,962 0 0
1SELECT SECTOR SPDR TR INDL 81369Y704   170,985 1,500 SH   OTR   1,500 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   609,199 3,165 SH   SOLE   3,165 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   347,605 4,784 SH   SOLE   4,784 0 0
SOUTHERN CO COM 842587107   385,239 5,494 SH   SOLE   5,494 0 0
STARBUCKS CORP COM 855244109   5,414,964 56,400 SH   SOLE   56,400 0 0
STARBUCKS CORP COM 855244109   13,441 140 SH   OTR   140 0 0
STATE STR CORP COM 857477103   238,266 3,076 SH   SOLE   3,076 0 0
STRYKER CORPORATION COM 863667101   9,992,680 33,369 SH   SOLE   33,369 0 0
STRYKER CORPORATION COM 863667101   34,437 115 SH   OTR   115 0 0
SYSCO CORP COM 871829107   252,079 3,447 SH   SOLE   3,447 0 0
TJX COS INC NEW COM 872540109   6,944,191 74,024 SH   SOLE   74,024 0 0
TJX COS INC NEW COM 872540109   5,159 55 SH   OTR   55 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,733,328 26,282 SH   SOLE   26,282 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   18,824 181 SH   OTR   181 0 0
TARGET CORP COM 87612E106   1,418,503 9,960 SH   SOLE   9,960 0 0
TEXAS INSTRS INC COM 882508104   1,732,384 10,163 SH   SOLE   10,163 0 0
TEXAS INSTRS INC COM 882508104   8,523 50 SH   OTR   50 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   277,603 523 SH   SOLE   523 0 0
3M CO COM 88579Y101   1,243,952 11,379 SH   SOLE   11,379 0 0
3M CO COM 88579Y101   95,217 871 SH   OTR   871 0 0
TORO CO COM 891092108   6,169,565 64,273 SH   SOLE   64,273 0 0
TORO CO COM 891092108   22,557 235 SH   OTR   235 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   538,284 8,330 SH   SOLE   8,330 0 0
TRACTOR SUPPLY CO COM 892356106   4,369,194 20,319 SH   SOLE   20,319 0 0
TRACTOR SUPPLY CO COM 892356106   4,300 20 SH   OTR   20 0 0
US BANCORP DEL COM NEW 902973304   510,357 11,792 SH   SOLE   11,792 0 0
US BANCORP DEL COM NEW 902973304   36,788 850 SH   OTR   850 0 0
UNION PAC CORP COM 907818108   6,978,309 28,411 SH   SOLE   28,411 0 0
UNION PAC CORP COM 907818108   189,127 770 SH   OTR   770 0 0
UNITEDHEALTH GROUP INC COM 91324P102   7,094,183 13,475 SH   SOLE   13,475 0 0
UNITEDHEALTH GROUP INC COM 91324P102   42,117 80 SH   OTR   80 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   3,874,124 209,299 SH   SOLE   209,299 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   28,116 1,519 SH   OTR   1,519 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   10,664,371 370,548 SH   SOLE   370,548 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   213,341 1,220 SH   SOLE   1,220 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,707,067 10,018 SH   SOLE   10,018 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   14,826,656 194,117 SH   SOLE   194,117 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   24,288 318 SH   OTR   318 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   232,677 3,021 SH   SOLE   3,021 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,019,315 27,455 SH   SOLE   27,455 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   112,384 1,528 SH   OTR   1,528 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,224,542 213,456 SH   SOLE   213,456 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   28,452 594 SH   OTR   594 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   15,740,066 246,903 SH   SOLE   246,903 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   43,158 677 SH   OTR   677 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   521,426 4,446 SH   SOLE   4,446 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,265,510 30,791 SH   SOLE   30,791 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,590 355 SH   OTR   355 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   46,572,627 572,990 SH   SOLE   572,990 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   140,208 1,725 SH   OTR   1,725 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,099,872 21,545 SH   SOLE   21,545 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,297,296 2,970 SH   SOLE   2,970 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   313,988 1,010 SH   SOLE   1,010 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   338,767 2,266 SH   SOLE   2,266 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   280,631 1,183 SH   SOLE   1,183 0 0
VERISIGN INC COM 92343E106   2,817,120 13,678 SH   SOLE   13,678 0 0
VERISIGN INC COM 92343E106   13,387 65 SH   OTR   65 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   4,642,264 123,137 SH   SOLE   123,137 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   75,173 1,994 SH   OTR   1,994 0 0
VISA INC COM CL A 92826C839   10,870,653 41,754 SH   SOLE   41,754 0 0
1VISA INC COM CL A 92826C839   84,613 325 SH   OTR   325 0 0
WEC ENERGY GROUP INC COM 92939U106   3,285,407 39,033 SH   SOLE   39,033 0 0
WEC ENERGY GROUP INC COM 92939U106   42,085 500 SH   OTR   500 0 0