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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   915,163 3,202 SH   SOLE   3,202 0 0
CLARIVATE PLC ORD SHS G21810109   474,673 50,551 SH   SOLE   50,551 0 0
EATON CORP PLC SHS G29183103   128,505 750 SH   SOLE   750 0 0
EATON CORP PLC SHS G29183103   119,938 700 SH   OTR   0 700 0
FERGUSON PLC NEW SHS G3421J106   576,863 4,313 SH   SOLE   4,313 0 0
APTIV PLC SHS G6095L109   227,521 2,028 SH   SOLE   2,028 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   220,224 1,197 SH   SOLE   1,197 0 0
AERCAP HOLDINGS NV SHS N00985106   640,515 11,391 SH   SOLE   11,391 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   867,467 2,251 SH   SOLE   2,251 0 0
ADVANCED MICRO DEVICES INC COM 007903107   813,090 8,296 SH   SOLE   8,296 0 0
AIR PRODS & CHEMS INC COM 009158106   350,396 1,220 SH   SOLE   1,220 0 0
ALPHABET INC CAP STK CL C 02079K107   216,320 2,080 SH   SOLE   2,080 0 0
ALPHABET INC CAP STK CL A 02079K305   1,710,818 16,493 SH   SOLE   16,493 0 0
AMAZON COM INC COM 023135106   1,780,306 17,236 SH   SOLE   17,236 0 0
AMERICAN EXPRESS CO COM 025816109   45,361 275 SH   SOLE   275 0 0
AMERICAN EXPRESS CO COM 025816109   230,930 1,400 SH   OTR   1,400 0 0
ANALOG DEVICES INC COM 032654105   526,577 2,670 SH   SOLE   2,670 0 0
ELEVANCE HEALTH INC COM 036752103   1,510,016 3,284 SH   SOLE   3,284 0 0
APPLE INC COM 037833100   5,221,063 31,662 SH   SOLE   31,662 0 0
ARISTA NETWORKS INC COM 040413106   513,315 3,058 SH   SOLE   3,058 0 0
BAKER HUGHES COMPANY CL A 05722G100   597,113 20,690 SH   SOLE   20,690 0 0
BALL CORP COM 058498106   613,704 11,136 SH   SOLE   11,136 0 0
BANK AMERICA CORP COM 060505104   790,504 27,640 SH   SOLE   27,640 0 0
BECTON DICKINSON & CO COM 075887109   358,933 1,450 SH   SOLE   1,450 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,055,993 3,420 SH   SOLE   3,420 0 0
BOSTON SCIENTIFIC CORP COM 101137107   727,936 14,550 SH   SOLE   14,550 0 0
CARMAX INC COM 143130102   224,980 3,500 SH   SOLE   3,500 0 0
CATALENT INC COM 148806102   351,811 5,354 SH   SOLE   5,354 0 0
CHEVRON CORP NEW COM 166764100   740,909 4,541 SH   SOLE   4,541 0 0
CHEVRON CORP NEW COM 166764100   16,316 100 SH   OTR   0 100 0
COSTCO WHSL CORP NEW COM 22160K105   1,769,354 3,561 SH   SOLE   3,561 0 0
DANAHER CORPORATION COM 235851102   1,703,286 6,758 SH   SOLE   6,758 0 0
DEERE & CO COM 244199105   831,540 2,014 SH   SOLE   1,884 0 130
DISNEY WALT CO COM 254687106   353,258 3,528 SH   SOLE   2,878 0 650
DUKE ENERGY CORP NEW COM NEW 26441C204   232,010 2,405 SH   SOLE   2,405 0 0
ECOLAB INC COM 278865100   316,162 1,910 SH   SOLE   1,910 0 0
ENTEGRIS INC COM 29362U104   479,430 5,846 SH   SOLE   5,846 0 0
EXPEDITORS INTL WASH INC COM 302130109   238,409 2,165 SH   SOLE   365 0 1,800
META PLATFORMS INC CL A 30303M102   327,871 1,547 SH   SOLE   1,547 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   828,058 36,901 SH   SOLE   34,988 0 1,913
GOLDMAN SACHS GROUP INC COM 38141G104   349,026 1,067 SH   SOLE   1,067 0 0
HOME DEPOT INC COM 437076102   811,875 2,751 SH   SOLE   2,751 0 0
HONEYWELL INTL INC COM 438516106   694,147 3,632 SH   SOLE   3,632 0 0
ILLINOIS TOOL WKS INC COM 452308109   442,592 1,818 SH   SOLE   1,818 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   239,108 1,824 SH   SOLE   1,824 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   990,710 3,087 SH   SOLE   3,087 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   513,488 1,600 SH   OTR   1,600 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   555,136 2,173 SH   SOLE   2,173 0 0
INTUIT COM 461202103   242,977 545 SH   SOLE   545 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   504,703 6,877 SH   SOLE   6,877 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   275,972 11,880 SH   SOLE   11,880 0 0
IQVIA HLDGS INC COM 46266C105   691,540 3,477 SH   SOLE   3,477 0 0
ISHARES TR TIPS BD ETF 464287176   999,195 9,063 SH   SOLE   8,757 0 306
1ISHARES TR TIPS BD ETF 464287176   87,428 793 SH   OTR   793 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,260,782 3,067 SH   SOLE   3,067 0 0
ISHARES TR CORE US AGGBD ET 464287226   449,874 4,515 SH   SOLE   4,515 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   633,674 6,393 SH   SOLE   6,393 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,193,518 30,670 SH   SOLE   29,634 0 1,036
ISHARES TR MSCI EAFE ETF 464287465   113,287 1,584 SH   OTR   1,584 0 0
ISHARES TR COHEN STEER REIT 464287564   296,139 5,332 SH   SOLE   5,332 0 0
ISHARES TR CORE S&P US VLU 464287663   392,730 5,323 SH   SOLE   5,323 0 0
ISHARES TR CORE S&P US VLU 464287663   267,231 3,622 SH   OTR   3,622 0 0
ISHARES TR CORE S&P SCP ETF 464287804   267,375 2,765 SH   SOLE   2,765 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,063,821 34,075 SH   SOLE   33,443 0 632
ISHARES TR PFD AND INCM SEC 464288687   73,210 2,345 SH   OTR   2,345 0 0
JPMORGAN CHASE & CO COM 46625H100   681,260 5,228 SH   SOLE   5,228 0 0
JOHNSON & JOHNSON COM 478160104   481,895 3,109 SH   SOLE   3,109 0 0
LILLY ELI & CO COM 532457108   884,993 2,577 SH   SOLE   2,402 0 175
MARRIOTT INTL INC NEW CL A 571903202   296,713 1,787 SH   SOLE   1,562 0 225
MARTIN MARIETTA MATLS INC COM 573284106   713,670 2,010 SH   SOLE   2,010 0 0
MCDONALDS CORP COM 580135101   1,075,659 3,847 SH   SOLE   3,847 0 0
MCKESSON CORP COM 58155Q103   377,413 1,060 SH   SOLE   1,060 0 0
MERCK & CO INC COM 58933Y105   743,240 6,986 SH   SOLE   6,986 0 0
MICROSOFT CORP COM 594918104   6,773,320 23,494 SH   SOLE   22,365 0 1,129
MONDELEZ INTL INC CL A 609207105   204,837 2,938 SH   SOLE   2,938 0 0
NEXTERA ENERGY INC COM 65339F101   461,323 5,985 SH   SOLE   5,985 0 0
NVIDIA CORPORATION COM 67066G104   835,532 3,008 SH   SOLE   3,008 0 0
PALO ALTO NETWORKS INC COM 697435105   702,685 3,518 SH   SOLE   3,518 0 0
PAYPAL HLDGS INC COM 70450Y103   456,323 6,009 SH   SOLE   6,009 0 0
PEPSICO INC COM 713448108   539,608 2,960 SH   SOLE   2,460 0 500
PFIZER INC COM 717081103   596,822 14,628 SH   SOLE   14,628 0 0
PROCTER AND GAMBLE CO COM 742718109   241,918 1,627 SH   SOLE   1,627 0 0
PROCTER AND GAMBLE CO COM 742718109   44,607 300 SH   OTR   300 0 0
PROGRESSIVE CORP COM 743315103   850,491 5,945 SH   SOLE   5,945 0 0
QUALCOMM INC COM 747525103   344,466 2,700 SH   SOLE   2,700 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   270,776 2,765 SH   SOLE   2,765 0 0
S&P GLOBAL INC COM 78409V104   543,702 1,577 SH   SOLE   1,577 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   707,425 1,728 SH   SOLE   1,728 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   602,212 1,471 SH   OTR   1,471 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   345,411 12,524 SH   SOLE   12,524 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   353,073 8,516 SH   SOLE   8,064 0 452
SALESFORCE INC COM 79466L302   1,097,791 5,495 SH   SOLE   5,285 0 210
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,789,470 36,677 SH   SOLE   35,889 0 788
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   78,600 1,611 SH   OTR   1,611 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   541,712 6,716 SH   SOLE   6,406 0 310
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,597,614 20,065 SH   SOLE   19,461 0 604
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,372,721 18,374 SH   SOLE   17,558 0 816
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,970,638 13,178 SH   SOLE   12,720 0 458
SELECT SECTOR SPDR TR ENERGY 81369Y506   554,712 6,697 SH   SOLE   6,697 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   894,766 27,831 SH   SOLE   24,650 0 3,181
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,303,906 12,887 SH   SOLE   12,625 0 262
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,482,290 23,060 SH   SOLE   22,537 0 523
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,092,328 18,843 SH   SOLE   16,782 0 2,061
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   449,596 6,642 SH   SOLE   6,246 0 396
SHERWIN WILLIAMS CO COM 824348106   706,002 3,141 SH   SOLE   3,141 0 0
STRYKER CORPORATION COM 863667101   738,796 2,588 SH   SOLE   2,588 0 0
T-MOBILE US INC COM 872590104   462,908 3,196 SH   SOLE   3,196 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,231,702 2,137 SH   SOLE   2,137 0 0
UDR INC COM 902653104   246,360 6,000 SH   OTR   6,000 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   864,422 11,279 SH   SOLE   11,061 0 218
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   356,933 7,902 SH   SOLE   7,902 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,620,083 33,117 SH   SOLE   32,519 0 598
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   88,056 1,800 SH   OTR   1,800 0 0
1VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   283,361 1,122 SH   SOLE   1,122 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,222,717 15,698 SH   SOLE   15,698 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   279,851 726 SH   SOLE   726 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,519,169 15,715 SH   SOLE   15,715 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   861,974 21,336 SH   SOLE   21,067 0 269
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   75,184 1,861 SH   OTR   1,861 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,905,863 10,386 SH   SOLE   10,244 0 142
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   159,519 1,921 SH   SOLE   1,921 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   107,952 1,300 SH   OTR   1,300 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   2,525,767 11,975 SH   SOLE   11,975 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   303,939 1,627 SH   SOLE   1,627 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   745,163 5,315 SH   SOLE   5,243 0 72
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   28,040 200 SH   OTR   200 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   815,108 4,300 SH   SOLE   4,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   755,986 3,704 SH   SOLE   3,704 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   283,235 7,283 SH   SOLE   7,283 0 0
VERRA MOBILITY CORP CL A COM STK 92511U102   227,066 13,420 SH   SOLE   13,420 0 0
VISA INC COM CL A 92826C839   1,084,688 4,811 SH   SOLE   4,811 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804   445,798 379 SH   SOLE   339 0 40
WORLD GOLD TR SPDR GLD MINIS 98149E303   498,574 12,748 SH   SOLE   12,748 0 0
ZOETIS INC CL A 98978V103   875,307 5,259 SH   SOLE   5,259 0 0