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
ABBOTT LABS Title of class 002824100 2,989 25,256 SH   SOLE   24,323 0 933
ABBVIE INC COM 00287y109 4,473 27,593 SH   SOLE   26,732 0 861
ADOBE SYSTEMS INCORPORTED COM 00724f101 471 1,033 SH   SOLE   1,033 0 0
ADVANCED MICRO DEVICES INC COM 007903107 283 2,592 SH   SOLE   2,592 0 0
AIR PRODS & CHEMS INC COM 009158106 452 1,809 SH   SOLE   1,809 0 0
ALLSTATE CORP COM 020002101 493 3,560 SH   SOLE   3,560 0 0
ALPHABET INC COM 02079k107 1,983 710 SH   SOLE   710 0 0
ALPHABET INC CAP STK CL C 02079k305 2,005 721 SH   SOLE   721 0 0
ALPHABET INC CAP STK CL A 02079k305 6 2 SH   OTR   0 0 2
ALTRIA GROUP INC CAP STK CL A 02209s103 438 8,380 SH   SOLE   8,380 0 0
AMAZON COM INC COM 023135106 4,391 1,347 SH   SOLE   1,347 0 0
AMAZON COM INC COM 023135106 7 2 SH   OTR   0 0 2
AMERICAN EXPRESS CO COM 025816109 781 4,177 SH   SOLE   4,177 0 0
AMERICAN TOWER CORP NEW COM 03027x100 397 1,580 SH   SOLE   1,580 0 0
AMGEN INC COM 031162100 1,462 6,046 SH   SOLE   4,250 0 1,796
AMGEN INC COM 031162100 2 8 SH   OTR   0 0 8
ANALOG DEVICES INC COM 032654105 1,010 6,115 SH   SOLE   6,115 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 1,170 166,220 SH   SOLE   102,854 0 63,366
ANNALY CAPITAL MANAGEMENT IN COM 035710409 2 294 SH   OTR   0 0 294
ANTHEM INC COM 036752103 423 862 SH   SOLE   862 0 0
APPLE INC COM 037833100 5,622 32,198 SH   SOLE   32,198 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,292 14,309 SH   SOLE   8,664 0 5,645
ARCHER DANIELS MIDLAND CO COM 039483102 3 28 SH   OTR   0 0 28
AUTOMATIC DATA PROCESSING IN COM 053015103 6,382 28,047 SH   SOLE   24,247 0 3,800
AVERY DENNISON CORP COM 053611109 870 5,000 SH   SOLE   5,000 0 0
BK OF AMERICA COPR COM 060505104 945 22,933 SH   SOLE   22,933 0 0
BECTON DICKINSON & CO COM 075887109 419 1,575 SH   SOLE   1,575 0 0
BERKSHIRE HATHAWAY INC DEL COM 084670702 941 2,667 SH   SOLE   2,667 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 106 300 SH   OTR   0 0 300
BLACKROCK INC CL B NEW 09247x101 898 1,175 SH   SOLE   708 0 467
BLACKROCK INC COM 09247x101 2 2 SH   OTR   0 0 2
BLACKSTONE INC COM 09260d107 970 7,645 SH   SOLE   4,625 0 3,020
BLACKSTONE INC COM 09260d107 2 14 SH   OTR   0 0 14
BOEING CO COM 097023105 421 2,200 SH   SOLE   2,200 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,371 18,767 SH   SOLE   13,083 0 5,684
BRISTOL-MYERS SQUIBB CO COM 110122108 2 29 SH   OTR   0 0 29
BROADRIDGE FINL SOLUTIONS IN COM 11133t103 665 4,272 SH   SOLE   3,422 0 850
BROADCOM INC COM 11135f101 439 697 SH   SOLE   697 0 0
CDK GLOBAL INC COM 12508e101 292 5,998 SH   SOLE   4,732 0 1,266
CVS HEALTH CORP COM 126650100 363 3,588 SH   SOLE   3,588 0 0
CATERPILLAR INC COM 149123101 3,724 16,713 SH   SOLE   14,992 0 1,721
CATERPILLAR INC COM 149123101 2 9 SH   OTR   0 0 9
CHEVRON CORP NEW COM 166764100 2,766 16,987 SH   SOLE   13,476 0 3,511
CHEVRON CORP NEW COM 166764100 3 17 SH   OTR   0 0 17
CHIPOTLE MEXICAN GRILL INC COM 169656105 234 148 SH   SOLE   148 0 0
CISCO SYS INC COM 17275r102 1,592 28,549 SH   SOLE   21,621 0 6,928
CISCO SYS INC COM 17275r102 2 32 SH   OTR   0 0 32
COCA COLA CO COM 191216100 5,321 85,815 SH   SOLE   85,815 0 0
COLGATE PALMOLIVE CO COM 194162103 206 2,720 SH   SOLE   2,720 0 0
COMCAST CORP NEW COM 20030n101 1,657 35,385 SH   SOLE   27,834 0 7,551
COMCAST CORP NEW CL A 20030n101 2 35 SH   OTR   0 0 35
CONOCOPHILLIPS CL A 20825c104 4,050 40,502 SH   SOLE   40,502 0 0
COSTCO WHSL CORP NEW COM 22160k105 1,186 2,060 SH   SOLE   2,060 0 0
DANAHER CORPORATION COM 235851102 317 1,080 SH   SOLE   1,080 0 0
DEXCOM INC COM 252131107 542 1,060 SH   SOLE   1,060 0 0
DIAMONDBACK ENERGY INC COM 25278x109 463 3,378 SH   SOLE   3,378 0 0
DISNEY WALT CO COM 254687106 900 6,562 SH   SOLE   6,562 0 0
DOW INC COM 260557103 23,243 364,775 SH   SOLE   63,754 0 301,021
DUKE ENERGY CORP NEW COM 26441c204 1,031 9,236 SH   SOLE   5,578 0 3,658
DUKE ENERGY CORP COM NEW 26441c204 2 17 SH   OTR   0 0 17
DUPONT DE NEMOURS INC COM NEW 26614n102 12,026 163,435 SH   SOLE   36,923 0 126,512
EBAY INC COM 278642103 204 3,560 SH   SOLE   3,560 0 0
EMERSON ELEC CO COM 291011104 1,228 12,526 SH   SOLE   8,558 0 3,968
EMERSON ELEC CO COM 291011104 2 19 SH   OTR   0 0 19
ESSEX PPTY TR INC COM 297178105 205 594 SH   SOLE   594 0 0
EXXON MOBIL CORP COM 30231g102 1,583 19,173 SH   SOLE   18,948 0 225
FACEBOOK INC COM 30303m102 829 3,727 SH   SOLE   3,727 0 0
GILEAD SCIENCES INC CL A 375558103 1,023 17,214 SH   SOLE   11,955 0 5,259
GILEAD SCIENCES INC COM 375558103 2 26 SH   OTR   0 0 26
HERSHEY CO COM 427866108 4,472 20,645 SH   SOLE   20,645 0 0
HOME DEPOT INC COM 437076102 4,374 14,611 SH   SOLE   10,279 0 4,332
HOME DEPOT INC COM 437076102 2 6 SH   OTR   0 0 6
HONEYWELL INTL INC COM 438516106 2,005 10,304 SH   SOLE   10,304 0 0
INTEL CORP COM 458140100 1,904 38,411 SH   SOLE   34,811 0 3,600
INTERNATIONAL BUSINESS MACHS COM 459200101 1,462 11,247 SH   SOLE   8,256 0 2,991
INTERNATIONAL BUSINESS MACHS COM 459200101 28 214 SH   OTR   0 0 214
INVESCO QQQ TR COM 46090e103 9,745 26,881 SH   SOLE   22,580 0 4,301
INTUIT UNIT SER 1 461202103 237 492 SH   SOLE   492 0 0
INVESCO EXCHANGE TRADED FD T COM 46137v621 1,496 88,424 SH   SOLE   56,825 0 31,599
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 2 147 SH   OTR   0 0 147
ISHARES INC FINL PFD ETF 464286103 13,035 493,185 SH   SOLE   247,905 0 245,280
ISHARES INC MSCI AUST ETF 464286103 208 7,854 SH   OTR   0 0 7,854
ISHARES TR MSCI AUST ETF 464287168 769 6,000 SH   SOLE   6,000 0 0
ISHARES TR SELECT DIVID ETF 464287176 421 3,379 SH   SOLE   3,379 0 0
ISHARES TR TIPS BD ETF 464287200 208 459 SH   SOLE   459 0 0
ISHARES TR CORE S&P500 ETF 464287226 893 8,336 SH   SOLE   7,816 0 520
ISHARES TR CORE US AGGBD ETF 464287234 1,951 43,212 SH   SOLE   35,567 0 7,645
ISHARES TR MSCI EMG MKT ETF 464287309 11,247 147,253 SH   SOLE   146,453 0 800
ISHARES TR S&P 500 GRWT ETF 464287457 201 2,411 SH   SOLE   2,411 0 0
ISHARES TR 1 3 YR TREAS BD 464287465 12,575 170,855 SH   SOLE   129,930 0 40,925
ISHARES TR MSCI EAFE ETF 464287481 213 2,124 SH   SOLE   512 0 1,612
ISHARES TR RUS MD CP GR ETF 464287499 21,322 273,225 SH   SOLE   157,823 0 115,402
ISHARES TR RUS MID CAP ETF 464287499 284 3,639 SH   OTR   0 0 3,639
ISHARES TR RUS MID CAP ETF 464287507 19,858 74,004 SH   SOLE   44,516 0 29,488
ISHARES TR CORE S&P MCP ETF 464287507 250 932 SH   OTR   0 0 932
ISHARES TR CORE S&P MCP ETF 464287564 607 8,551 SH   SOLE   8,551 0 0
ISHARES TR COHEN STEER REIT 464287614 2,290 8,250 SH   SOLE   8,250 0 0
ISHARES TR RUS 1000 GRW ETF 464287622 27,995 111,947 SH   SOLE   55,248 0 56,699
ISHARES TR Rus 1000 ETF 464287622 520 2,078 SH   OTR   0 0 2,078
ISHARES TR Rus 1000 ETF 464287648 2,787 10,897 SH   SOLE   10,897 0 0
ISHARES TR Rus 2000 GRW ETF 464287655 2,941 14,328 SH   SOLE   9,228 0 5,100
ISHARES TR RUSSELL 2000 ETF 464287721 2,658 25,800 SH   SOLE   21,800 0 4,000
ISHARES TR U.S. REAL ES ETF 464287804 859 7,959 SH   SOLE   7,959 0 0
ISHARES TR CORE S&P SCP ETF 464287879 3,885 37,940 SH   SOLE   27,940 0 10,000
ISHARES TR SP SMCP600VL ETF 464288158 1,146 10,957 SH   SOLE   4,427 0 6,530
ISHARES TR SHRT NAT MUN ETF 464288257 12,384 124,115 SH   SOLE   38,571 0 85,544
ISHARES TR MSCI ACWI ETF 464288414 13,981 127,520 SH   SOLE   80,940 0 46,580
ISHARES TR NATIONAL MUN ETF 464288612 87,812 809,101 SH   SOLE   444,535 0 364,566
ISHARES TR INTRM GOV CR ETF 464288612 1,617 14,901 SH   OTR   60 0 14,841
ISHARES TR INTRM GOV CR ETF 464288638 10,320 188,090 SH   SOLE   105,846 0 82,244
ISHARES TR ISHS 5-10YR INVT 464288638 157 2,870 SH   OTR   0 0 2,870
ISHARES TR ISHS 5-10YR INVT 464288646 16,577 320,517 SH   SOLE   183,468 0 137,049
ISHARES TR ISHS 1-5YR INVS 464288646 264 5,106 SH   OTR   42 0 5,064
ISHARES TR ISHS 1-5YR INVS 464288661 340 2,788 SH   SOLE   1,887 0 901
ISHARES TR 3 7 YR TREAS BD 464288687 2,140 58,752 SH   SOLE   25,543 0 33,209
ISHARES TR PFD AND INCM SEC 464288687 3 72 SH   OTR   0 0 72
ISHARES U S ETF TR PFD AND INCM SEC 46431w507 569 11,474 SH   SOLE   11,474 0 0
ISHARES TR BLACKROCK ST MAT 46432f834 644 9,668 SH   SOLE   8,068 0 1,600
ISHARES TR CORE MSCI TOTAL 46432f842 27,985 402,603 SH   SOLE   203,003 0 199,600
ISHARES TR CORE MSCI EAFE 46432f842 445 6,406 SH   OTR   0 0 6,406
JPMORGAN CHASE & CO CORE MSCI EAFE 46625h100 5,645 41,407 SH   SOLE   39,086 0 2,321
JPMORGAN CHASE & CO COM 46625h100 29 210 SH   OTR   0 0 210
JOHNSON & JOHNSON COM 478160104 11,353 64,060 SH   SOLE   64,035 0 25
JOHNSON & JOHNSON COM 478160104 35 200 SH   OTR   0 0 200
LINCOLN NATL CORP IND COM 534187109 261 4,000 SH   SOLE   4,000 0 0
LOCKHEED MARTIN CORP COM 539830109 325 737 SH   SOLE   737 0 0
LOWES COS INC COM 548661107 901 4,458 SH   SOLE   4,458 0 0
MARATHON OIL CORP COM 565849106 493 19,652 SH   SOLE   19,652 0 0
MASTERCARD INCORPORATED COM 57636q104 592 1,656 SH   SOLE   1,656 0 0
MCDONALDS CORP CL A 580135101 365 1,478 SH   SOLE   1,478 0 0
MERCK & CO INC COM 58933y105 3,108 37,875 SH   SOLE   37,875 0 0
MICROSOFT CORP COM 594918104 19,436 63,040 SH   SOLE   56,947 0 6,093
MICROSOFT CORP COM 594918104 2 6 SH   OTR   0 0 6
MONDELEZ INTL INC COM 609207105 241 3,836 SH   SOLE   3,836 0 0
MORGAN STANLEY CL A 617446448 531 6,076 SH   SOLE   4,828 0 1,248
MOTOROLA SOLUTIONS INC COM NEW 620076307 297 1,228 SH   SOLE   1,228 0 0
NETFLIX INC COM NEW 64110l106 238 636 SH   SOLE   636 0 0
NEXTERA ENERGY INC COM 65339f101 644 7,608 SH   SOLE   7,608 0 0
NIKE INC COM 654106103 297 2,210 SH   SOLE   2,210 0 0
NVIDIA CORPORATION CL B 67066g104 528 1,936 SH   SOLE   1,936 0 0
OCCIDENTAL PETE CORP COM 674599105 214 3,774 SH   SOLE   3,774 0 0
ONEOK INC NEW COM 682680103 218 3,082 SH   SOLE   3,082 0 0
ORACLE CORP COM 68389x105 1,042 12,591 SH   SOLE   7,819 0 4,772
ORACLE CORP COM 68389x105 2 19 SH   OTR   0 0 19
PNC FINANCIAL SVCS GROUP INC COM 693475105 1,511 8,193 SH   SOLE   8,193 0 0
PNC FINANCIAL SVCS GROUP INC COM 693475105 7 40 SH   OTR   0 0 40
PAYPAL HLDGD INC COM 70450y103 412 3,560 SH   SOLE   3,560 0 0
PEPSICO INC COM 713448108 579 3,462 SH   SOLE   462 0 3,000
PFIZER INC COM 717081103 1,849 35,718 SH   SOLE   26,797 0 8,921
PFIZER INC COM 717081103 23 438 SH   OTR   0 0 438
PHILIP MORRIS INTL INC COM 718172109 243 2,590 SH   SOLE   2,590 0 0
PHILLIPS 66 COM 718546104 5,743 66,472 SH   SOLE   66,472 0 0
PROCTER AND GAMBLE CO COM 742718109 4,146 27,134 SH   SOLE   9,460 0 17,674
PROCTER AND GAMBLE CO COM 742718109 2 13 SH   OTR   0 0 13
PROLOGIS INC COM 74340w103 307 1,900 SH   SOLE   1,900 0 0
PRUDENTIAL FINL INC COM 744320102 1,223 10,353 SH   SOLE   6,930 0 3,423
PRUDENTIAL FINL INC COM 744320102 2 17 SH   OTR   0 0 17
QUALCOMM INC COM 747525103 1,157 7,568 SH   SOLE   5,189 0 2,379
QUALCOMM INC COM 747525103 2 14 SH   OTR   0 0 14
RAYTHEON TECHNOLOGIES CORP COM 75513e101 1,041 10,510 SH   SOLE   6,717 0 3,793
RAYTHEON TECHNOLOGIES CORP COM 75513e101 2 18 SH   OTR   0 0 18
SBA COMMUNICATIONS CORP NEW COM 78410g104 358 1,040 SH   SOLE   1,040 0 0
SPDR S&P 500 ETF TR CL A 78462f103 144,050 318,949 SH   SOLE   152,438 0 166,511
SPDR S&P 500 ETF TR TR UNIT 78462f103 2,504 5,545 SH   OTR   46 0 5,499
SPDR SER TR TR UNIT 78468r622 5,743 56,027 SH   SOLE   40,218 0 15,809
SPDR SER TR BLOOMBERG HIGH Y 78468r622 4 35 SH   OTR   0 0 35
SALESFORCE COM INC BLOOMBERG HIGH Y 79466l302 242 1,140 SH   SOLE   1,140 0 0
SANOFI COM 80105n105 925 18,010 SH   SOLE   10,911 0 7,099
SANOFI SPONSORED ADR 80105n105 2 37 SH   OTR   0 0 37
SCHWAB CHARLES CORP SPONSORED ADR 808513105 229 2,716 SH   SOLE   2,716 0 0
SCHWAB STRATEGIC TR COM 808524797 20,083 254,573 SH   SOLE   131,034 0 123,539
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 292 3,699 SH   OTR   0 0 3,699
ENERGY SELECT SECTOR SPDR US DIVIDEND EQ 81369y506 329 4,307 SH   SOLE   344 0 3,963
SELECT SECTOR SPDR TR ENERY 81369y605 1,300 33,918 SH   SOLE   33,918 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369y803 1,035 6,510 SH   SOLE   6,510 0 0
SOUTHERN CO TECHNOLOGY 842587107 302 4,160 SH   SOLE   4,160 0 0
SYNCHRONY FINANCIAL COM 87165b103 223 6,396 SH   SOLE   6,396 0 0
TESLA INC COM 88160r101 735 682 SH   SOLE   682 0 0
TEXAS INSTRS INC COM 882508104 1,782 9,712 SH   SOLE   7,791 0 1,921
TEXAS INSTRS INC COM 882508104 2 9 SH   OTR   0 0 9
THERMO FISHER SCIENTIFIC INC COM 883556102 1,023 1,732 SH   SOLE   1,732 0 0
3M CO COM 88579y101 2,050 13,770 SH   SOLE   13,370 0 400
US BANCORP DEL COM 902973304 978 18,394 SH   SOLE   11,652 0 6,742
US BANCORP DEL COM NEW 902973304 2 29 SH   OTR   0 0 29
UNION PAC CORP COM NEW 907818108 9,143 33,464 SH   SOLE   31,863 0 1,601
UNION PAC CORP COM 907818108 2 8 SH   OTR   0 0 8
UNITED PARCEL SERVICE INC COM 911312106 1,211 5,649 SH   SOLE   3,708 0 1,941
UNITED PARCEL SERVICE INC CL B 911312106 2 10 SH   OTR   0 0 10
UNITEDHEALTH GROUP INC CL B 91324p102 1,378 2,703 SH   SOLE   2,703 0 0
VANGUARD STAR FDS COM 921909768 216 3,610 SH   SOLE   2,545 0 1,065
VANGUARD STAR FDS VG TL INTL STK F 921909768 18 293 SH   OTR   134 0 159
VANGUARD BD INDEX FDS VG TL INTL STK F 921937819 457 5,582 SH   SOLE   0 0 5,582
VANGUARD TAX-MANAGED INTL FD INTERMED TERM 921943858 30,890 643,141 SH   SOLE   338,275 0 304,866
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 492 10,235 SH   OTR   0 0 10,235
VANGUARD INTL EQUITY INDEX F FTSE DEV MKT ETF 922042858 11,473 248,714 SH   SOLE   129,640 0 119,074
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 174 3,763 SH   OTR   0 0 3,763
VANGUARD INDEX FDS FTSE EMR MKT ETF 922908363 272 656 SH   SOLE   656 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908629 335 1,407 SH   SOLE   765 0 642
VANGUARD INDEX FDS MID CAP ETF 922908637 632 3,032 SH   SOLE   197 0 2,835
VANGUARD INDEX FDS LARGE CAP ETF 922908736 1,330 4,626 SH   SOLE   4,626 0 0
VANGUARD INDEX FDS GROWTH ETF 922908744 1,552 10,504 SH   SOLE   10,004 0 500
VANGUARD INDEX FDS VALUE ETF 922908751 18,743 88,194 SH   SOLE   46,119 0 42,075
VANGUARD INDEX FDS SMALL CP ETF 922908751 293 1,378 SH   OTR   0 0 1,378
VERIZON COMMUNICATIONS INC SMALL CP ETF 92343v104 1,973 38,734 SH   SOLE   26,871 0 11,863
VERIZON COMMUNICATIONS INC COM 92343v104 54 1,053 SH   OTR   0 0 1,053
VISA INC COM 92826c839 1,625 7,327 SH   SOLE   7,327 0 0
WALMART INC COM CL A 931142103 1,241 8,330 SH   SOLE   5,881 0 2,449
WALMART INC COM 931142103 2 12 SH   OTR   0 0 12
EATON CORP PLC COM g29183103 966 6,366 SH   SOLE   3,814 0 2,552
EATON CORP PLC SHS g29183103 2 12 SH   OTR   0 0 12
MEDTRONIC PLC SHS g5960l103 1,086 9,790 SH   SOLE   6,761 0 3,029
MEDTRONIC PLC SHS g5960l103 2 15 SH   OTR   0 0 15
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 953 9,264 SH   SOLE   5,670 0 3,594
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 2 18 SH   OTR   0 0 18