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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 855 3,079 SH   SOLE   3,079 0 0
CLARIVATE PLC ORD SHS G21810109 770 55,538 SH   SOLE   55,538 0 0
EATON CORP PLC SHS G29183103 132 1,050 SH   SOLE   1,050 0 0
EATON CORP PLC SHS G29183103 88 700 SH   OTR   0 700 0
APTIV PLC SHS G6095L109 563 6,317 SH   SOLE   6,317 0 0
AERCAP HOLDINGS NV SHS N00985106 870 21,244 SH   SOLE   21,244 0 0
ABBOTT LABS COM 002824100 721 6,638 SH   SOLE   6,118 0 520
ADOBE SYSTEMS INCORPORATED COM 00724F101 906 2,476 SH   SOLE   2,476 0 0
ADVANCED MICRO DEVICES INC COM 007903107 758 9,909 SH   SOLE   9,909 0 0
AIR PRODS & CHEMS INC COM 009158106 322 1,340 SH   SOLE   1,340 0 0
ALPHABET INC CAP STK CL C 02079K107 411 188 SH   SOLE   188 0 0
ALPHABET INC CAP STK CL A 02079K305 2,482 1,139 SH   SOLE   1,139 0 0
AMAZON COM INC COM 023135106 2,067 19,460 SH   SOLE   19,460 0 0
AMERICAN EXPRESS CO COM 025816109 38 275 SH   SOLE   275 0 0
AMERICAN EXPRESS CO COM 025816109 194 1,400 SH   OTR   1,400 0 0
ANALOG DEVICES INC COM 032654105 402 2,755 SH   SOLE   2,755 0 0
ELEVANCE HEALTH INC COM 036752103 1,829 3,790 SH   SOLE   3,665 0 125
APPLE INC COM 037833100 4,687 34,280 SH   SOLE   34,280 0 0
ARISTA NETWORKS INC COM 040413106 287 3,058 SH   SOLE   3,058 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 346 1,645 SH   SOLE   1,645 0 0
BAKER HUGHES COMPANY CL A 05722G100 503 17,422 SH   SOLE   17,422 0 0
BALL CORP COM 058498106 813 11,820 SH   SOLE   11,820 0 0
BK OF AMERICA CORP COM 060505104 1,006 32,305 SH   SOLE   32,305 0 0
BECTON DICKINSON & CO COM 075887109 439 1,780 SH   SOLE   1,780 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,040 3,808 SH   SOLE   3,808 0 0
BOSTON SCIENTIFIC CORP COM 101137107 704 18,886 SH   SOLE   18,886 0 0
CARMAX INC COM 143130102 341 3,770 SH   SOLE   3,770 0 0
CATALENT INC COM 148806102 650 6,063 SH   SOLE   6,063 0 0
CHEVRON CORP NEW COM 166764100 727 5,023 SH   SOLE   5,023 0 0
CHEVRON CORP NEW COM 166764100 14 100 SH   OTR   0 100 0
COSTCO WHSL CORP NEW COM 22160K105 1,723 3,596 SH   SOLE   3,596 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 231 1,370 SH   SOLE   1,370 0 0
DANAHER CORPORATION COM 235851102 2,122 8,371 SH   SOLE   8,371 0 0
DEERE & CO COM 244199105 575 1,921 SH   SOLE   1,791 0 130
DISNEY WALT CO COM 254687106 644 6,822 SH   SOLE   6,172 0 650
DUKE ENERGY CORP NEW COM NEW 26441C204 339 3,159 SH   SOLE   3,159 0 0
ECOLAB INC COM 278865100 326 2,118 SH   SOLE   2,118 0 0
EXPEDITORS INTL WASH INC COM 302130109 211 2,165 SH   SOLE   365 0 1,800
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 776 40,006 SH   SOLE   37,753 0 2,253
GOLDMAN SACHS GROUP INC COM 38141G104 323 1,087 SH   SOLE   1,087 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 1,270 28,864 SH   SOLE   28,864 0 0
HOME DEPOT INC COM 437076102 883 3,219 SH   SOLE   3,219 0 0
HONEYWELL INTL INC COM 438516106 760 4,374 SH   SOLE   4,374 0 0
ILLINOIS TOOL WKS INC COM 452308109 358 1,967 SH   SOLE   1,967 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 223 1,576 SH   SOLE   1,576 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,475 5,261 SH   SOLE   5,209 0 52
INVESCO QQQ TR UNIT SER 1 46090E103 454 1,620 SH   OTR   1,620 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 495 2,467 SH   SOLE   2,467 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 477 9,283 SH   SOLE   9,283 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 230 9,895 SH   SOLE   9,895 0 0
IQVIA HLDGS INC COM 46266C105 1,002 4,616 SH   SOLE   4,616 0 0
ISHARES TR TIPS BD ETF 464287176 1,015 8,907 SH   SOLE   8,633 0 274
ISHARES TR TIPS BD ETF 464287176 90 793 SH   OTR   793 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,855 4,892 SH   SOLE   4,892 0 0
ISHARES TR CORE US AGGBD ET 464287226 824 8,099 SH   SOLE   7,844 0 255
ISHARES TR MSCI EAFE ETF 464287465 2,089 33,427 SH   SOLE   32,809 0 618
ISHARES TR MSCI EAFE ETF 464287465 99 1,584 SH   OTR   1,584 0 0
ISHARES TR COHEN STEER REIT 464287564 373 6,139 SH   SOLE   6,139 0 0
ISHARES TR CORE S&P US VLU 464287663 532 7,952 SH   SOLE   7,952 0 0
ISHARES TR CORE S&P US VLU 464287663 242 3,622 SH   OTR   3,622 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,456 44,271 SH   SOLE   43,793 0 478
ISHARES TR PFD AND INCM SEC 464288687 77 2,345 SH   OTR   2,345 0 0
JPMORGAN CHASE & CO COM 46625H100 771 6,851 SH   SOLE   6,851 0 0
JOHNSON & JOHNSON COM 478160104 1,327 7,473 SH   SOLE   6,898 0 575
JOHNSON & JOHNSON COM 478160104 178 1,000 SH   OTR   0 0 1,000
LILLY ELI & CO COM 532457108 884 2,727 SH   SOLE   2,552 0 175
LITHIA MTRS INC COM 536797103 322 1,172 SH   SOLE   1,172 0 0
MARRIOTT INTL INC NEW CL A 571903202 371 2,727 SH   SOLE   2,442 0 285
MARTIN MARIETTA MATLS INC COM 573284106 806 2,695 SH   SOLE   2,695 0 0
MCDONALDS CORP COM 580135101 1,043 4,224 SH   SOLE   4,224 0 0
MCKESSON CORP COM 58155Q103 554 1,698 SH   SOLE   1,698 0 0
MERCK & CO INC COM 58933Y105 689 7,560 SH   SOLE   7,560 0 0
MICROSOFT CORP COM 594918104 7,355 28,637 SH   SOLE   27,163 0 1,474
MORGAN STANLEY COM NEW 617446448 296 3,888 SH   SOLE   3,888 0 0
NEXTERA ENERGY INC COM 65339F101 577 7,455 SH   SOLE   7,455 0 0
NVIDIA CORPORATION COM 67066G104 521 3,439 SH   SOLE   3,439 0 0
PALO ALTO NETWORKS INC COM 697435105 863 1,748 SH   SOLE   1,748 0 0
PEPSICO INC COM 713448108 624 3,745 SH   SOLE   3,245 0 500
PFIZER INC COM 717081103 894 17,050 SH   SOLE   17,050 0 0
PROCTER AND GAMBLE CO COM 742718109 238 1,654 SH   SOLE   1,654 0 0
PROCTER AND GAMBLE CO COM 742718109 43 300 SH   OTR   300 0 0
QUALCOMM INC COM 747525103 483 3,780 SH   SOLE   3,780 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 269 2,801 SH   SOLE   2,801 0 0
S&P GLOBAL INC COM 78409V104 532 1,577 SH   SOLE   1,577 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 686 1,818 SH   SOLE   1,818 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 555 1,471 SH   OTR   1,471 0 0
SVB FINANCIAL GROUP COM 78486Q101 548 1,387 SH   SOLE   1,387 0 0
SALESFORCE INC COM 79466L302 1,564 9,477 SH   SOLE   9,267 0 210
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 314 4,390 SH   SOLE   4,390 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8 110 SH   OTR   110 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,819 36,986 SH   SOLE   36,383 0 603
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 79 1,611 SH   OTR   1,611 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 505 6,865 SH   SOLE   6,597 0 268
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,619 20,419 SH   SOLE   20,419 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,452 20,112 SH   SOLE   19,296 0 816
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,800 13,092 SH   SOLE   12,634 0 458
SELECT SECTOR SPDR TR ENERGY 81369Y506 765 10,696 SH   SOLE   10,696 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,133 36,040 SH   SOLE   33,547 0 2,493
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,104 12,642 SH   SOLE   12,642 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,228 25,390 SH   SOLE   24,785 0 605
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 907 16,713 SH   SOLE   14,684 0 2,029
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 218 3,110 SH   SOLE   3,110 0 0
SHERWIN WILLIAMS CO COM 824348106 453 2,021 SH   SOLE   2,021 0 0
SIGNATURE BK NEW YORK N Y COM 82669G104 223 1,247 SH   SOLE   1,247 0 0
BLOCK INC CL A 852234103 282 4,587 SH   SOLE   4,587 0 0
STRYKER CORPORATION COM 863667101 690 3,470 SH   SOLE   3,295 0 175
THERMO FISHER SCIENTIFIC INC COM 883556102 1,266 2,330 SH   SOLE   2,330 0 0
UDR INC COM 902653104 276 6,000 SH   OTR   6,000 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 775 9,720 SH   SOLE   9,570 0 150
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,531 30,908 SH   SOLE   30,453 0 455
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 89 1,800 SH   OTR   1,800 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 361 1,585 SH   SOLE   1,585 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,017 13,172 SH   SOLE   13,172 0 0
1VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,528 16,245 SH   SOLE   16,245 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,250 30,013 SH   SOLE   29,833 0 180
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 78 1,861 SH   OTR   1,861 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,361 15,456 SH   SOLE   15,182 0 274
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 205 2,249 SH   SOLE   2,249 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 118 1,300 SH   OTR   1,300 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,364 12,000 SH   SOLE   12,000 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 280 1,627 SH   SOLE   1,627 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 878 6,694 SH   SOLE   6,654 0 40
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 26 200 SH   OTR   200 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 757 4,300 SH   SOLE   4,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,417 7,512 SH   SOLE   7,512 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 384 7,565 SH   SOLE   7,565 0 0
VISA INC COM CL A 92826C839 1,114 5,657 SH   SOLE   5,657 0 0
WELLS FARGO CO NEW COM 949746101 1,239 31,633 SH   SOLE   31,633 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 511 420 SH   SOLE   380 0 40
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 238 4,730 SH   SOLE   4,730 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 374 10,411 SH   SOLE   10,411 0 0
ZOETIS INC CL A 98978V103 1,014 5,899 SH   SOLE   5,899 0 0