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 COM 002824100 133 1,220 SH   SOLE   1,220 0 0
ABBOTT LABS COM 002824100 730 6,722 SH   OTR   6,722 0 0
ABBVIE INC COM 00287Y109 139 908 SH   SOLE   908 0 0
ABBVIE INC COM 00287Y109 943 6,154 SH   OTR   6,154 0 0
ALTRIA GROUP INC COM 02209S103 84 2,000 SH   SOLE   2,000 0 0
ALTRIA GROUP INC COM 02209S103 363 8,700 SH   OTR   8,700 0 0
AMGEN INC COM 031162100 921 3,784 SH   OTR   3,784 0 0
APPLE INC COM 037833100 57 420 SH   SOLE   420 0 0
APPLE INC COM 037833100 3,200 23,405 SH   OTR   23,405 0 0
ARK ETF TR INNOVATION ETF 00214Q104 376 9,421 SH   OTR   9,421 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 966 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,133 4,150 SH   OTR   4,150 0 0
BLACKROCK INC COM 09247X101 974 1,600 SH   OTR   1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,287 29,707 SH   OTR   29,707 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 214 6,000 SH   OTR   6,000 0 0
CHEVRON CORP NEW COM 166764100 537 3,709 SH   OTR   3,709 0 0
CISCO SYS INC COM 17275R102 613 14,368 SH   OTR   14,368 0 0
CISCO SYS INC COM 17275R102 1 29 SH   SOLE   29 0 0
COCA COLA CO COM 191216100 107 1,700 SH   SOLE   1,700 0 0
COCA COLA CO COM 191216100 706 11,229 SH   OTR   11,229 0 0
COLGATE PALMOLIVE CO COM 194162103 409 5,100 SH   OTR   5,100 0 0
DATADOG INC CL A COM 23804L103 1,290 13,542 SH   SOLE   13,542 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 357 3,333 SH   OTR   3,333 0 0
EMERSON ELEC CO COM 291011104 486 6,113 SH   OTR   6,113 0 0
EXXON MOBIL CORP COM 30231G102 103 1,200 SH   SOLE   1,200 0 0
EXXON MOBIL CORP COM 30231G102 3,042 35,517 SH   OTR   35,517 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 912 35,415 SH   OTR   35,415 0 0
GENERAL MLS INC COM 370334104 211 2,800 SH   OTR   2,800 0 0
HOME DEPOT INC COM 437076102 288 1,050 SH   OTR   1,050 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 71 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 424 3,000 SH   OTR   3,000 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 285 5,000 SH   OTR   5,000 0 0
INTUIT COM 461202103 260 674 SH   OTR   674 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 966 15,574 SH   OTR   15,574 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,969 22,120 SH   OTR   22,120 0 0
ISHARES INC CORE MSCI EMKT 46434G103 531 10,815 SH   OTR   10,815 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 565 24,445 SH   OTR   24,445 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,593 27,070 SH   OTR   27,070 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 5,646 98,995 SH   OTR   98,995 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,748 30,653 SH   SOLE   30,653 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7,216 31,895 SH   OTR   31,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,353 57,931 SH   SOLE   57,931 0 0
ISHARES TR CORE S&P SCP ETF 464287804 46,179 499,714 SH   OTR   499,714 0 0
ISHARES TR EAFE SML CP ETF 464288273 285 5,212 SH   SOLE   5,212 0 0
ISHARES TR EAFE SML CP ETF 464288273 528 9,680 SH   OTR   9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 1,627 19,400 SH   SOLE   19,400 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,515 29,984 SH   OTR   29,984 0 0
ISHARES TR MSCI ACWI EX US 464288240 762 16,939 SH   SOLE   16,939 0 0
ISHARES TR MSCI ACWI EX US 464288240 4,614 102,538 SH   OTR   102,538 0 0
ISHARES TR MSCI EAFE ETF 464287465 7,384 118,170 SH   OTR   118,170 0 0
ISHARES TR MSCI EAFE ETF 464287465 225 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 607 15,129 SH   OTR   15,129 0 0
ISHARES TR RUS 1000 ETF 464287622 19,866 95,618 SH   OTR   95,618 0 0
ISHARES TR RUS 1000 ETF 464287622 9,259 44,568 SH   SOLE   44,568 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,301 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 993 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,757 19,018 SH   OTR   19,018 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 995 4,823 SH   OTR   4,823 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,139 15,710 SH   OTR   15,710 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 5,007 29,567 SH   OTR   29,567 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,253 7,395 SH   SOLE   7,395 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 311 1,429 SH   SOLE   1,429 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 4,806 22,109 SH   OTR   22,109 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,022 33,500 SH   OTR   33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 338 3,794 SH   OTR   3,794 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,090 12,238 SH   SOLE   12,238 0 0
JOHNSON & JOHNSON COM 478160104 522 2,941 SH   OTR   2,941 0 0
JPMORGAN CHASE & CO COM 46625H100 2,129 18,910 SH   OTR   18,910 0 0
JPMORGAN CHASE & CO COM 46625H100 15 130 SH   SOLE   130 0 0
KIMBERLY-CLARK CORP COM 494368103 81 600 SH   SOLE   600 0 0
KIMBERLY-CLARK CORP COM 494368103 541 4,000 SH   OTR   4,000 0 0
LILLY ELI & CO COM 532457108 223 687 SH   OTR   687 0 0
LOWES COS INC COM 548661107 2,024 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 292 3,200 SH   SOLE   3,200 0 0
MERCK & CO INC COM 58933Y105 965 10,588 SH   OTR   10,588 0 0
MICROSOFT CORP COM 594918104 514 2,000 SH   OTR   2,000 0 0
NEXTERA ENERGY INC COM 65339F101 1,270 16,400 SH   OTR   16,400 0 0
NIKE INC CL B 654106103 1,391 13,610 SH   OTR   13,610 0 0
OTIS WORLDWIDE CORP COM 68902V107 212 3,000 SH   OTR   3,000 0 0
PEPSICO INC COM 713448108 808 4,850 SH   OTR   4,850 0 0
PFIZER INC COM 717081103 216 4,121 SH   OTR   4,121 0 0
PHILIP MORRIS INTL INC COM 718172109 1,675 16,965 SH   OTR   16,965 0 0
PROCTER AND GAMBLE CO COM 742718109 795 5,527 SH   OTR   5,527 0 0
PROGRESSIVE CORP COM 743315103 2,743 23,593 SH   OTR   23,593 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 192 1,996 SH   SOLE   1,996 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 577 6,000 SH   OTR   6,000 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,574 180,225 SH   OTR   180,225 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,356 75,425 SH   OTR   75,425 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 211 6,930 SH   OTR   6,930 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 243 3,390 SH   OTR   3,390 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,517 56,350 SH   SOLE   56,350 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,512 78,640 SH   OTR   78,640 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,122 17,881 SH   SOLE   17,881 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,665 26,539 SH   OTR   26,539 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,629 41,784 SH   OTR   41,784 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,315 33,712 SH   SOLE   33,712 0 0
SOUTHERN CO COM 842587107 250 3,500 SH   OTR   3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,891 20,917 SH   SOLE   20,917 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 50,011 132,567 SH   OTR   132,567 0 0
TARGET CORP COM 87612E106 565 4,000 SH   OTR   4,000 0 0
UNION PAC CORP COM 907818108 318 1,491 SH   OTR   1,491 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,827 12,681 SH   SOLE   12,681 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 7,963 35,725 SH   OTR   35,725 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,575 9,138 SH   SOLE   9,138 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,056 69,948 SH   OTR   69,948 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 86 488 SH   OTR   488 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 545 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 98 753 SH   OTR   753 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 684 5,281 SH   SOLE   5,281 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,184 31,394 SH   OTR   31,394 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,829 42,028 SH   OTR   42,028 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,586 24,752 SH   OTR   24,752 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,579 4,553 SH   SOLE   4,553 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 91 605 SH   OTR   605 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 649 4,331 SH   SOLE   4,331 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,023 11,485 SH   SOLE   11,485 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,699 32,363 SH   OTR   32,363 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 81 410 SH   OTR   410 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 630 3,200 SH   SOLE   3,200 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 31,054 164,636 SH   OTR   164,636 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 460 2,441 SH   SOLE   2,441 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 9,643 73,118 SH   OTR   73,118 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,175 24,071 SH   SOLE   24,071 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,045 181,039 SH   SOLE   181,039 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 29,041 581,288 SH   OTR   581,288 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,670 112,125 SH   OTR   112,125 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,144 27,469 SH   SOLE   27,469 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,250 31,490 SH   OTR   31,490 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,556 65,099 SH   SOLE   65,099 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 263 3,077 SH   OTR   3,077 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,757 19,220 SH   OTR   19,220 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 20,011 387,735 SH   OTR   387,735 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,932 173,066 SH   SOLE   173,066 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,406 34,471 SH   SOLE   34,471 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 10,190 249,755 SH   OTR   249,755 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 56 1,098 SH   SOLE   1,098 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 261 5,138 SH   OTR   5,138 0 0
VISA INC COM CL A 92826C839 721 3,660 SH   OTR   3,660 0 0
WALMART INC COM 931142103 700 5,755 SH   OTR   5,755 0 0
WISDOMTREE TR EUROPE SMCP DV 97717W869 219 3,970 SH   OTR   3,970 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 279 4,720 SH   OTR   4,720 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 836 7,953 SH   OTR   7,953 0 0