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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   854,421 3,202 SH   SOLE   3,202 0 0
CLARIVATE PLC ORD SHS G21810109   436,982 52,396 SH   SOLE   52,396 0 0
EATON CORP PLC SHS G29183103   164,797 1,050 SH   SOLE   1,050 0 0
EATON CORP PLC SHS G29183103   109,865 700 SH   OTR   0 700 0
TRANE TECHNOLOGIES PLC SHS G8994E103   216,331 1,287 SH   SOLE   1,287 0 0
AERCAP HOLDINGS NV SHS N00985106   922,972 15,826 SH   SOLE   15,826 0 0
ABBOTT LABS COM 002824100   676,965 6,166 SH   SOLE   5,646 0 520
ADOBE SYSTEMS INCORPORATED COM 00724F101   822,815 2,445 SH   SOLE   2,445 0 0
ADVANCED MICRO DEVICES INC COM 007903107   574,121 8,864 SH   SOLE   8,864 0 0
AIR PRODS & CHEMS INC COM 009158106   376,077 1,220 SH   SOLE   1,220 0 0
ALPHABET INC CAP STK CL C 02079K107   273,288 3,080 SH   SOLE   3,080 0 0
ALPHABET INC CAP STK CL A 02079K305   1,736,366 19,680 SH   SOLE   19,680 0 0
AMAZON COM INC COM 023135106   1,412,208 16,812 SH   SOLE   16,812 0 0
AMERICAN EXPRESS CO COM 025816109   40,631 275 SH   SOLE   275 0 0
AMERICAN EXPRESS CO COM 025816109   206,850 1,400 SH   OTR   1,400 0 0
ANALOG DEVICES INC COM 032654105   443,701 2,705 SH   SOLE   2,705 0 0
ELEVANCE HEALTH INC COM 036752103   1,944,156 3,790 SH   SOLE   3,665 0 125
APPLE INC COM 037833100   4,201,546 32,337 SH   SOLE   32,337 0 0
ARISTA NETWORKS INC COM 040413106   371,088 3,058 SH   SOLE   3,058 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   249,608 1,045 SH   SOLE   1,045 0 0
BAKER HUGHES COMPANY CL A 05722G100   635,101 21,507 SH   SOLE   21,507 0 0
BALL CORP COM 058498106   595,934 11,653 SH   SOLE   11,653 0 0
BANK AMERICA CORP COM 060505104   990,288 29,900 SH   SOLE   29,900 0 0
BECTON DICKINSON & CO COM 075887109   368,735 1,450 SH   SOLE   1,450 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,059,527 3,430 SH   SOLE   3,430 0 0
BOSTON SCIENTIFIC CORP COM 101137107   723,709 15,641 SH   SOLE   15,641 0 0
CARMAX INC COM 143130102   229,555 3,770 SH   SOLE   3,770 0 0
CATALENT INC COM 148806102   442,763 9,837 SH   SOLE   9,837 0 0
CHEVRON CORP NEW COM 166764100   772,883 4,306 SH   SOLE   4,306 0 0
CHEVRON CORP NEW COM 166764100   17,949 100 SH   OTR   0 100 0
COSTCO WHSL CORP NEW COM 22160K105   1,609,619 3,526 SH   SOLE   3,526 0 0
DANAHER CORPORATION COM 235851102   1,852,366 6,979 SH   SOLE   6,979 0 0
DEERE & CO COM 244199105   863,522 2,014 SH   SOLE   1,884 0 130
DISNEY WALT CO COM 254687106   323,019 3,718 SH   SOLE   3,068 0 650
DUKE ENERGY CORP NEW COM NEW 26441C204   278,587 2,705 SH   SOLE   2,705 0 0
ECOLAB INC COM 278865100   290,392 1,995 SH   SOLE   1,995 0 0
ENTEGRIS INC COM 29362U104   335,164 5,110 SH   SOLE   5,110 0 0
EXPEDITORS INTL WASH INC COM 302130109   224,986 2,165 SH   SOLE   365 0 1,800
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   953,743 40,006 SH   SOLE   37,753 0 2,253
GOLDMAN SACHS GROUP INC COM 38141G104   352,651 1,027 SH   SOLE   1,027 0 0
HALOZYME THERAPEUTICS INC COM 40637H109   873,073 15,344 SH   SOLE   15,344 0 0
HOME DEPOT INC COM 437076102   898,937 2,846 SH   SOLE   2,846 0 0
HONEYWELL INTL INC COM 438516106   761,836 3,555 SH   SOLE   3,555 0 0
ILLINOIS TOOL WKS INC COM 452308109   400,505 1,818 SH   SOLE   1,818 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   275,862 1,958 SH   SOLE   1,958 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,350,305 5,071 SH   SOLE   5,039 0 32
INVESCO QQQ TR UNIT SER 1 46090E103   431,373 1,620 SH   OTR   1,620 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   626,756 2,362 SH   SOLE   2,362 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   347,600 7,900 SH   SOLE   7,900 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   491,038 9,180 SH   SOLE   9,180 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   273,358 11,880 SH   SOLE   11,880 0 0
IQVIA HLDGS INC COM 46266C105   750,307 3,662 SH   SOLE   3,662 0 0
ISHARES TR TIPS BD ETF 464287176   1,009,370 9,483 SH   SOLE   9,164 0 319
ISHARES TR TIPS BD ETF 464287176   84,406 793 SH   OTR   793 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,679,381 4,371 SH   SOLE   4,371 0 0
ISHARES TR CORE US AGGBD ET 464287226   549,933 5,670 SH   SOLE   5,415 0 255
ISHARES TR MSCI EAFE ETF 464287465   2,523,858 38,450 SH   SOLE   37,542 0 908
ISHARES TR MSCI EAFE ETF 464287465   103,973 1,584 SH   OTR   1,584 0 0
ISHARES TR COHEN STEER REIT 464287564   290,103 5,290 SH   SOLE   5,290 0 0
ISHARES TR CORE S&P US VLU 464287663   537,847 7,615 SH   SOLE   7,615 0 0
ISHARES TR CORE S&P US VLU 464287663   255,821 3,622 SH   OTR   3,622 0 0
ISHARES TR CORE S&P SCP ETF 464287804   261,679 2,765 SH   SOLE   2,765 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,221,780 40,019 SH   SOLE   39,387 0 632
ISHARES TR PFD AND INCM SEC 464288687   71,592 2,345 SH   OTR   2,345 0 0
JPMORGAN CHASE & CO COM 46625H100   742,645 5,538 SH   SOLE   5,538 0 0
JOHNSON & JOHNSON COM 478160104   1,338,300 7,576 SH   SOLE   7,001 0 575
JOHNSON & JOHNSON COM 478160104   176,650 1,000 SH   OTR   0 0 1,000
LILLY ELI & CO COM 532457108   997,645 2,727 SH   SOLE   2,552 0 175
MARRIOTT INTL INC NEW CL A 571903202   406,023 2,727 SH   SOLE   2,442 0 285
MARTIN MARIETTA MATLS INC COM 573284106   722,917 2,139 SH   SOLE   2,139 0 0
MCDONALDS CORP COM 580135101   1,013,799 3,847 SH   SOLE   3,847 0 0
MCKESSON CORP COM 58155Q103   502,660 1,340 SH   SOLE   1,340 0 0
MERCK & CO INC COM 58933Y105   783,196 7,059 SH   SOLE   7,059 0 0
MICROSOFT CORP COM 594918104   6,214,455 25,913 SH   SOLE   24,439 0 1,474
MORGAN STANLEY COM NEW 617446448   241,286 2,838 SH   SOLE   2,838 0 0
NEXTERA ENERGY INC COM 65339F101   539,638 6,455 SH   SOLE   6,455 0 0
NVIDIA CORPORATION COM 67066G104   430,820 2,948 SH   SOLE   2,948 0 0
PALO ALTO NETWORKS INC COM 697435105   534,717 3,832 SH   SOLE   3,832 0 0
PEPSICO INC COM 713448108   579,918 3,210 SH   SOLE   2,710 0 500
PFIZER INC COM 717081103   803,443 15,680 SH   SOLE   15,680 0 0
PROCTER AND GAMBLE CO COM 742718109   246,588 1,627 SH   SOLE   1,627 0 0
PROCTER AND GAMBLE CO COM 742718109   45,468 300 SH   OTR   300 0 0
PROGRESSIVE CORP COM 743315103   733,769 5,657 SH   SOLE   5,657 0 0
QUALCOMM INC COM 747525103   340,814 3,100 SH   SOLE   3,100 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   279,043 2,765 SH   SOLE   2,765 0 0
S&P GLOBAL INC COM 78409V104   528,200 1,577 SH   SOLE   1,577 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   681,107 1,781 SH   SOLE   1,781 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   562,554 1,471 SH   OTR   1,471 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   315,911 7,724 SH   SOLE   7,272 0 452
SVB FINANCIAL GROUP COM 78486Q101   407,808 1,772 SH   SOLE   1,772 0 0
SALESFORCE INC COM 79466L302   696,893 5,256 SH   SOLE   5,046 0 210
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   209,623 2,775 SH   SOLE   2,775 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,309 110 SH   OTR   110 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,807,842 37,476 SH   SOLE   36,688 0 788
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   77,714 1,611 SH   OTR   1,611 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   539,953 6,951 SH   SOLE   6,683 0 268
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,654,101 19,537 SH   SOLE   19,537 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,424,054 19,102 SH   SOLE   18,286 0 816
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,661,126 12,861 SH   SOLE   12,403 0 458
SELECT SECTOR SPDR TR ENERGY 81369Y506   618,850 7,075 SH   SOLE   7,075 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   910,404 26,620 SH   SOLE   24,127 0 2,493
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,207,000 12,290 SH   SOLE   12,290 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,974,862 23,906 SH   SOLE   23,301 0 605
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   798,697 16,643 SH   SOLE   14,614 0 2,029
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   334,240 4,741 SH   SOLE   4,741 0 0
SHERWIN WILLIAMS CO COM 824348106   786,511 3,314 SH   SOLE   3,314 0 0
STRYKER CORPORATION COM 863667101   714,888 2,924 SH   SOLE   2,924 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,182,331 2,147 SH   SOLE   2,147 0 0
UDR INC COM 902653104   232,380 6,000 SH   OTR   6,000 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   783,800 10,820 SH   SOLE   10,602 0 218
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,455,721 30,692 SH   SOLE   30,094 0 598
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   85,374 1,800 SH   OTR   1,800 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   282,973 1,292 SH   SOLE   1,292 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,370,256 16,563 SH   SOLE   16,563 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   231,891 726 SH   SOLE   726 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,299,714 15,802 SH   SOLE   15,802 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,200,428 30,796 SH   SOLE   30,527 0 269
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   72,541 1,861 SH   OTR   1,861 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,129,564 14,600 SH   SOLE   14,308 0 292
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   233,583 2,832 SH   SOLE   2,832 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   107,224 1,300 SH   OTR   1,300 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,440,624 11,975 SH   SOLE   11,975 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   283,423 1,627 SH   SOLE   1,627 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   973,332 7,326 SH   SOLE   7,254 0 72
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   26,572 200 SH   OTR   200 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   789,222 4,300 SH   SOLE   4,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,434,307 7,502 SH   SOLE   7,502 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   243,610 6,183 SH   SOLE   6,183 0 0
VERRA MOBILITY CORP CL A COM STK 92511U102   361,889 26,167 SH   SOLE   26,167 0 0
VISA INC COM CL A 92826C839   1,064,354 5,123 SH   SOLE   5,123 0 0
WELLS FARGO CO NEW COM 949746101   631,695 15,299 SH   SOLE   15,299 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804   485,850 410 SH   SOLE   370 0 40
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   262,158 5,215 SH   SOLE   5,215 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   390,779 10,798 SH   SOLE   10,798 0 0
ZOETIS INC CL A 98978V103   810,861 5,533 SH   SOLE   5,533 0 0