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 206 1,382 SH   OTR   1,382 0 0
ABBOTT LABS COM 002824100 144 1,220 SH   SOLE   1,220 0 0
ABBOTT LABS COM 002824100 794 6,709 SH   OTR   6,709 0 0
ABBVIE INC COM 00287Y109 147 908 SH   SOLE   908 0 0
ABBVIE INC COM 00287Y109 994 6,131 SH   OTR   6,131 0 0
ALTRIA GROUP INC COM 02209S103 105 2,000 SH   SOLE   2,000 0 0
ALTRIA GROUP INC COM 02209S103 455 8,700 SH   OTR   8,700 0 0
AMAZON COM INC COM 023135106 319 98 SH   OTR   98 0 0
AMERISOURCEBERGEN CORP COM 03073E105 85 548 SH   SOLE   548 0 0
AMERISOURCEBERGEN CORP COM 03073E105 162 1,044 SH   OTR   1,044 0 0
AMGEN INC COM 031162100 915 3,784 SH   OTR   3,784 0 0
APPLE INC COM 037833100 4,141 23,715 SH   OTR   23,715 0 0
APPLE INC COM 037833100 73 420 SH   SOLE   420 0 0
ARK ETF TR INNOVATION ETF 00214Q104 625 9,421 SH   OTR   9,421 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,047 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,465 4,150 SH   OTR   4,150 0 0
BLACKROCK INC COM 09247X101 1,223 1,600 SH   OTR   1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,170 29,707 SH   OTR   29,707 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 275 6,000 SH   OTR   6,000 0 0
CHEVRON CORP NEW COM 166764100 623 3,829 SH   OTR   3,829 0 0
CISCO SYS INC COM 17275R102 2 29 SH   SOLE   29 0 0
CISCO SYS INC COM 17275R102 801 14,368 SH   OTR   14,368 0 0
COCA COLA CO COM 191216100 696 11,229 SH   OTR   11,229 0 0
COCA COLA CO COM 191216100 105 1,700 SH   SOLE   1,700 0 0
COLGATE PALMOLIVE CO COM 194162103 387 5,100 SH   OTR   5,100 0 0
DATADOG INC CL A COM 23804L103 1,830 12,082 SH   SOLE   12,082 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 372 3,333 SH   OTR   3,333 0 0
EMERSON ELEC CO COM 291011104 664 6,776 SH   OTR   6,776 0 0
EXXON MOBIL CORP COM 30231G102 2,401 29,074 SH   OTR   29,074 0 0
EXXON MOBIL CORP COM 30231G102 99 1,200 SH   SOLE   1,200 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 960 34,685 SH   OTR   34,685 0 0
HOME DEPOT INC COM 437076102 314 1,050 SH   OTR   1,050 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 65 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 390 3,000 SH   OTR   3,000 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 306 5,000 SH   OTR   5,000 0 0
INTUIT COM 461202103 324 674 SH   OTR   674 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,045 15,574 SH   OTR   15,574 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,814 17,840 SH   OTR   17,840 0 0
ISHARES INC CORE MSCI EMKT 46434G103 432 7,780 SH   OTR   7,780 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 526 23,215 SH   OTR   23,215 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,882 27,070 SH   OTR   27,070 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,737 26,088 SH   SOLE   26,088 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 8,678 130,334 SH   OTR   130,334 0 0
ISHARES TR CORE S&P MCP ETF 464287507 8,559 31,895 SH   OTR   31,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,254 57,967 SH   SOLE   57,967 0 0
ISHARES TR CORE S&P SCP ETF 464287804 39,811 369,027 SH   OTR   369,027 0 0
ISHARES TR EAFE SML CP ETF 464288273 346 5,212 SH   SOLE   5,212 0 0
ISHARES TR EAFE SML CP ETF 464288273 642 9,680 SH   OTR   9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,982 29,883 SH   OTR   29,883 0 0
ISHARES TR MSCI ACWI EX US 464288240 5,531 105,809 SH   OTR   105,809 0 0
ISHARES TR MSCI ACWI EX US 464288240 854 16,340 SH   SOLE   16,340 0 0
ISHARES TR MSCI EAFE ETF 464287465 8,697 118,170 SH   OTR   118,170 0 0
ISHARES TR MSCI EAFE ETF 464287465 265 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 683 15,129 SH   OTR   15,129 0 0
ISHARES TR RUS 1000 ETF 464287622 11,522 46,075 SH   SOLE   46,075 0 0
ISHARES TR RUS 1000 ETF 464287622 26,170 104,653 SH   OTR   104,653 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,260 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,191 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,157 19,018 SH   OTR   19,018 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,233 4,823 SH   OTR   4,823 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,536 15,710 SH   OTR   15,710 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,067 29,555 SH   OTR   29,555 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,518 7,393 SH   SOLE   7,393 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 374 1,425 SH   SOLE   1,425 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 5,820 22,184 SH   OTR   22,184 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,559 33,500 SH   OTR   33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 388 3,793 SH   OTR   3,793 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,367 13,351 SH   SOLE   13,351 0 0
JOHNSON & JOHNSON COM 478160104 538 3,036 SH   OTR   3,036 0 0
JPMORGAN CHASE & CO COM 46625H100 18 130 SH   SOLE   130 0 0
JPMORGAN CHASE & CO COM 46625H100 2,397 17,580 SH   OTR   17,580 0 0
KIMBERLY-CLARK CORP COM 494368103 74 600 SH   SOLE   600 0 0
KIMBERLY-CLARK CORP COM 494368103 493 4,000 SH   OTR   4,000 0 0
LOWES COS INC COM 548661107 2,343 11,590 SH   OTR   11,590 0 0
MCDONALDS CORP COM 580135101 457 1,850 SH   OTR   1,850 0 0
MERCK & CO INC COM 58933Y105 869 10,588 SH   OTR   10,588 0 0
MERCK & CO INC COM 58933Y105 263 3,200 SH   SOLE   3,200 0 0
MICROSOFT CORP COM 594918104 617 2,000 SH   OTR   2,000 0 0
NEXTERA ENERGY INC COM 65339F101 1,389 16,400 SH   OTR   16,400 0 0
NIKE INC CL B 654106103 1,831 13,610 SH   OTR   13,610 0 0
OKTA INC CL A 679295105 247 1,638 SH   SOLE   1,638 0 0
OTIS WORLDWIDE CORP COM 68902V107 231 3,000 SH   OTR   3,000 0 0
PEPSICO INC COM 713448108 812 4,850 SH   OTR   4,850 0 0
PFIZER INC COM 717081103 213 4,121 SH   OTR   4,121 0 0
PHILIP MORRIS INTL INC COM 718172109 1,594 16,965 SH   OTR   16,965 0 0
PROCTER AND GAMBLE CO COM 742718109 845 5,527 SH   OTR   5,527 0 0
PROGRESSIVE CORP COM 743315103 2,689 23,593 SH   OTR   23,593 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 198 1,996 SH   SOLE   1,996 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 594 6,000 SH   OTR   6,000 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,422 63,552 SH   OTR   63,552 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,744 50,960 SH   SOLE   50,960 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,151 15,173 SH   SOLE   15,173 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,705 22,477 SH   OTR   22,477 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,668 35,220 SH   OTR   35,220 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,363 28,786 SH   SOLE   28,786 0 0
SOUTHERN CO COM 842587107 254 3,500 SH   OTR   3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 42,431 93,949 SH   OTR   93,949 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,596 21,247 SH   SOLE   21,247 0 0
TARGET CORP COM 87612E106 849 4,000 SH   OTR   4,000 0 0
UNION PAC CORP COM 907818108 435 1,591 SH   OTR   1,591 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,954 10,271 SH   SOLE   10,271 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 10,275 35,725 SH   OTR   35,725 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,997 9,580 SH   SOLE   9,580 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,558 69,828 SH   OTR   69,828 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 693 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 109 488 SH   OTR   488 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 790 5,281 SH   SOLE   5,281 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 113 753 SH   OTR   753 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,153 30,077 SH   OTR   30,077 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,390 40,508 SH   OTR   40,508 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,890 4,553 SH   SOLE   4,553 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,671 23,295 SH   OTR   23,295 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 762 4,331 SH   SOLE   4,331 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 106 605 SH   OTR   605 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,564 30,888 SH   OTR   30,888 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,435 11,459 SH   SOLE   11,459 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 794 3,200 SH   SOLE   3,200 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 102 410 SH   OTR   410 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 594 2,607 SH   SOLE   2,607 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,342 23,465 SH   OTR   23,465 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,805 73,118 SH   OTR   73,118 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,557 24,071 SH   SOLE   24,071 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 33,665 584,569 SH   OTR   584,569 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,120 175,719 SH   SOLE   175,719 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,149 111,620 SH   OTR   111,620 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,267 27,469 SH   SOLE   27,469 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,990 32,206 SH   OTR   32,206 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,911 58,354 SH   SOLE   58,354 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 311 3,068 SH   OTR   3,068 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,117 19,220 SH   OTR   19,220 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 20,453 342,363 SH   OTR   342,363 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,296 172,344 SH   SOLE   172,344 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,193 253,860 SH   OTR   253,860 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,647 34,276 SH   SOLE   34,276 0 0
VISA INC COM CL A 92826C839 812 3,660 SH   OTR   3,660 0 0
WALMART INC COM 931142103 857 5,755 SH   OTR   5,755 0 0
WISDOMTREE TR EUROPE SMCP DV 97717W869 267 3,970 SH   OTR   3,970 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 310 4,720 SH   OTR   4,720 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,017 7,952 SH   OTR   7,952 0 0