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
3M CO COM 88579Y101 245 1,382 SH   OTR   1,382 0 0
ABBOTT LABS COM 002824100 189 1,345 SH   SOLE   1,345 0 0
ABBOTT LABS COM 002824100 975 6,930 SH   OTR   6,930 0 0
ABBVIE INC COM 00287Y109 850 6,276 SH   OTR   6,276 0 0
ABBVIE INC COM 00287Y109 135 1,000 SH   SOLE   1,000 0 0
ALPHABET INC CAP STK CL A 02079K305 4,696 1,621 SH   OTR   1,621 0 0
ALTRIA GROUP INC COM 02209S103 95 2,000 SH   SOLE   2,000 0 0
ALTRIA GROUP INC COM 02209S103 412 8,700 SH   OTR   8,700 0 0
AMAZON COM INC COM 023135106 804 241 SH   OTR   241 0 0
AMGEN INC COM 031162100 851 3,784 SH   OTR   3,784 0 0
APPLE INC COM 037833100 16,824 94,745 SH   OTR   94,745 0 0
APPLE INC COM 037833100 75 420 SH   SOLE   420 0 0
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 1,774 23,036 SH   OTR   23,036 0 0
ARK ETF TR INNOVATION ETF 00214Q104 891 9,421 SH   OTR   9,421 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,134 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,241 4,150 SH   OTR   4,150 0 0
BLACKLINE INC COM 09239B109 262 2,534 SH   SOLE   2,534 0 0
BLACKROCK INC COM 09247X101 1,465 1,600 SH   OTR   1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,852 29,707 SH   OTR   29,707 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 325 6,000 SH   OTR   6,000 0 0
CERNER CORP COM 156782104 12,051 129,762 SH   OTR   129,762 0 0
CHEVRON CORP NEW COM 166764100 449 3,829 SH   OTR   3,829 0 0
CISCO SYS INC COM 17275R102 911 14,368 SH   OTR   14,368 0 0
CISCO SYS INC COM 17275R102 2 29 SH   SOLE   29 0 0
COCA COLA CO COM 191216100 665 11,229 SH   OTR   11,229 0 0
COCA COLA CO COM 191216100 101 1,700 SH   SOLE   1,700 0 0
COLGATE PALMOLIVE CO COM 194162103 435 5,100 SH   OTR   5,100 0 0
COMMERCE BANCSHARES INC COM 200525103 5,181 75,369 SH   OTR   75,369 0 0
DATADOG INC CL A COM 23804L103 1,710 9,602 SH   SOLE   9,602 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 350 3,333 SH   OTR   3,333 0 0
EMERSON ELEC CO COM 291011104 654 7,038 SH   OTR   7,038 0 0
EXXON MOBIL CORP COM 30231G102 73 1,200 SH   SOLE   1,200 0 0
EXXON MOBIL CORP COM 30231G102 1,777 29,038 SH   OTR   29,038 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 817 32,735 SH   OTR   32,735 0 0
HOME DEPOT INC COM 437076102 997 2,402 SH   OTR   2,402 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 67 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 401 3,000 SH   OTR   3,000 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 674 12,870 SH   OTR   12,870 0 0
INTUIT COM 461202103 434 674 SH   OTR   674 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,069 15,574 SH   OTR   15,574 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,228 13,690 SH   OTR   13,690 0 0
ISHARES INC CORE MSCI EMKT 46434G103 286 4,780 SH   OTR   4,780 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 323 18,865 SH   OTR   18,865 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,021 27,070 SH   OTR   27,070 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 8,710 122,776 SH   OTR   122,776 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,851 26,088 SH   SOLE   26,088 0 0
ISHARES TR CORE S&P MCP ETF 464287507 9,029 31,895 SH   OTR   31,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804 42,291 369,317 SH   OTR   369,317 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,712 58,618 SH   SOLE   58,618 0 0
ISHARES TR EAFE SML CP ETF 464288273 381 5,212 SH   SOLE   5,212 0 0
ISHARES TR EAFE SML CP ETF 464288273 708 9,680 SH   OTR   9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 3,160 29,872 SH   OTR   29,872 0 0
ISHARES TR MSCI ACWI EX US 464288240 908 16,325 SH   SOLE   16,325 0 0
ISHARES TR MSCI ACWI EX US 464288240 5,714 102,772 SH   OTR   102,772 0 0
ISHARES TR MSCI EAFE ETF 464287465 9,349 118,820 SH   OTR   118,820 0 0
ISHARES TR MSCI EAFE ETF 464287465 283 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 739 15,125 SH   OTR   15,125 0 0
ISHARES TR RUS 1000 ETF 464287622 12,483 47,209 SH   SOLE   47,209 0 0
ISHARES TR RUS 1000 ETF 464287622 26,935 101,861 SH   OTR   101,861 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,613 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,387 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,194 19,018 SH   OTR   19,018 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,413 4,823 SH   OTR   4,823 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,609 15,710 SH   OTR   15,710 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,654 29,910 SH   OTR   29,910 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,679 7,546 SH   SOLE   7,546 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 5,425 19,551 SH   OTR   19,551 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 395 1,422 SH   SOLE   1,422 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,803 33,500 SH   OTR   33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,391 13,315 SH   SOLE   13,315 0 0
ISHARES TR SP SMCP600VL ETF 464287879 396 3,792 SH   OTR   3,792 0 0
JOHNSON & JOHNSON COM 478160104 536 3,131 SH   OTR   3,131 0 0
JPMORGAN CHASE & CO COM 46625H100 3,939 24,877 SH   OTR   24,877 0 0
JPMORGAN CHASE & CO COM 46625H100 21 130 SH   SOLE   130 0 0
KIMBERLY-CLARK CORP COM 494368103 86 600 SH   SOLE   600 0 0
KIMBERLY-CLARK CORP COM 494368103 669 4,681 SH   OTR   4,681 0 0
LOWES COS INC COM 548661107 2,996 11,590 SH   OTR   11,590 0 0
MCDONALDS CORP COM 580135101 496 1,850 SH   OTR   1,850 0 0
MERCK & CO INC COM 58933Y105 245 3,200 SH   SOLE   3,200 0 0
MERCK & CO INC COM 58933Y105 811 10,588 SH   OTR   10,588 0 0
MICROSOFT CORP COM 594918104 673 2,000 SH   OTR   2,000 0 0
NEXTERA ENERGY INC COM 65339F101 2,319 24,840 SH   OTR   24,840 0 0
NIKE INC CL B 654106103 2,765 16,589 SH   OTR   16,589 0 0
OKTA INC CL A 679295105 367 1,638 SH   SOLE   1,638 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 14,944 21,160 SH   OTR   21,160 0 0
OTIS WORLDWIDE CORP COM 68902V107 261 3,000 SH   OTR   3,000 0 0
PEPSICO INC COM 713448108 842 4,850 SH   OTR   4,850 0 0
PFIZER INC COM 717081103 243 4,121 SH   OTR   4,121 0 0
PHILIP MORRIS INTL INC COM 718172109 1,612 16,965 SH   OTR   16,965 0 0
PROCORE TECHNOLOGIES INC COM 74275K108 274 3,428 SH   SOLE   3,428 0 0
PROCTER AND GAMBLE CO COM 742718109 904 5,527 SH   OTR   5,527 0 0
PROGRESSIVE CORP COM 743315103 2,422 23,593 SH   OTR   23,593 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 516 6,000 SH   OTR   6,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 172 1,996 SH   SOLE   1,996 0 0
ROCKWELL AUTOMATION INC COM 773903109 1,445 4,143 SH   OTR   4,143 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,450 21,524 SH   SOLE   21,524 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,918 25,637 SH   OTR   25,637 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,275 15,855 SH   OTR   15,855 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,220 15,173 SH   SOLE   15,173 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,263 12,338 SH   OTR   12,338 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,307 12,762 SH   SOLE   12,762 0 0
SOUTHERN CO COM 842587107 240 3,500 SH   OTR   3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 44,866 94,462 SH   OTR   94,462 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 11,455 24,118 SH   SOLE   24,118 0 0
TARGET CORP COM 87612E106 926 4,000 SH   OTR   4,000 0 0
UNION PAC CORP COM 907818108 426 1,691 SH   OTR   1,691 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,296 10,271 SH   SOLE   10,271 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,920 13,213 SH   OTR   13,213 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,989 9,000 SH   SOLE   9,000 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 792 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 124 488 SH   OTR   488 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 113 753 SH   OTR   753 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 794 5,281 SH   SOLE   5,281 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,515 5,945 SH   OTR   5,945 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,551 39,228 SH   OTR   39,228 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,323 23,647 SH   OTR   23,647 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,988 4,553 SH   SOLE   4,553 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 775 4,331 SH   SOLE   4,331 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 108 605 SH   OTR   605 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 820 3,629 SH   OTR   3,629 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,585 11,438 SH   SOLE   11,438 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 671 2,380 SH   SOLE   2,380 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 116 410 SH   OTR   410 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 629 2,607 SH   SOLE   2,607 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,207 17,425 SH   OTR   17,425 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,541 24,071 SH   SOLE   24,071 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 35,844 584,929 SH   OTR   584,929 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,682 174,308 SH   SOLE   174,308 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,859 98,234 SH   OTR   98,234 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 415 8,389 SH   SOLE   8,389 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,296 17,139 SH   OTR   17,139 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 329 3,060 SH   OTR   3,060 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,768 44,386 SH   SOLE   44,386 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,301 19,220 SH   OTR   19,220 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,697 168,274 SH   SOLE   168,274 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,125 96,345 SH   OTR   96,345 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,664 189,264 SH   OTR   189,264 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,749 34,250 SH   SOLE   34,250 0 0
VISA INC COM CL A 92826C839 793 3,660 SH   OTR   3,660 0 0
WALMART INC COM 931142103 918 6,344 SH   OTR   6,344 0 0
WISDOMTREE TR EUROPE SMCP DV 97717W869 296 3,970 SH   OTR   3,970 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 312 4,720 SH   OTR   4,720 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,010 7,951 SH   OTR   7,951 0 0