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
ABBVIE INC COM 00287Y109 144 1,067 SH   OTR   0 0 1,067
ABBVIE INC COM 00287Y109 125 920 SH   SOLE   0 0 920
ALPHABET INC CAP STK CL A 02079K305 568 196 SH   SOLE   0 0 196
ALPHABET INC CAP STK CL C 02079K107 17 6 SH   OTR   0 0 6
ALPHABET INC CAP STK CL C 02079K107 286 99 SH   SOLE   0 0 99
AMAZON COM INC COM 023135106 37 11 SH   OTR   0 0 11
AMAZON COM INC COM 023135106 954 286 SH   SOLE   0 0 286
AMERICAN ELEC PWR CO INC COM 025537101 206 2,310 SH   SOLE   0 0 2,310
APPLE INC COM 037833100 6,712 37,797 SH   SOLE   0 0 37,797
AT&T INC COM 00206R102 33 1,348 SH   OTR   0 0 1,348
AT&T INC COM 00206R102 566 22,994 SH   SOLE   0 0 22,994
AUTOMATIC DATA PROCESSING IN COM 053015103 259 1,052 SH   SOLE   0 0 1,052
AUTOZONE INC COM 053332102 210 100 SH   SOLE   0 0 100
BK OF AMERICA CORP COM 060505104 91 2,040 SH   SOLE   0 0 2,040
BK OF AMERICA CORP COM 060505104 111 2,476 SH   OTR   0 0 2,476
BLACKROCK INC COM 09247X101 213 233 SH   OTR   0 0 233
BLACKROCK INC COM 09247X101 280 306 SH   SOLE   0 0 306
BRISTOL-MYERS SQUIBB CO COM 110122108 94 1,520 SH   OTR   0 0 1,520
BRISTOL-MYERS SQUIBB CO COM 110122108 1,345 21,576 SH   SOLE   0 0 21,576
CATERPILLAR INC COM 149123101 168 813 SH   OTR   0 0 813
CATERPILLAR INC COM 149123101 314 1,521 SH   SOLE   0 0 1,521
CHEVRON CORP NEW COM 166764100 218 1,865 SH   OTR   0 0 1,865
CHEVRON CORP NEW COM 166764100 456 3,885 SH   SOLE   0 0 3,885
CISCO SYS INC COM 17275R102 341 5,380 SH   SOLE   0 0 5,380
CISCO SYS INC COM 17275R102 279 4,401 SH   OTR   0 0 4,401
COCA COLA CO COM 191216100 145 2,447 SH   OTR   0 0 2,447
COCA COLA CO COM 191216100 1,116 18,844 SH   SOLE   0 0 18,844
EXXON MOBIL CORP COM 30231G102 2,053 33,554 SH   SOLE   0 0 33,554
EXXON MOBIL CORP COM 30231G102 170 2,781 SH   OTR   0 0 2,781
GOLDMAN SACHS GROUP INC COM 38141G104 4 11 SH   OTR   0 0 11
GOLDMAN SACHS GROUP INC COM 38141G104 217 567 SH   SOLE   0 0 567
HERSHEY CO COM 427866108 19 96 SH   OTR   0 0 96
HERSHEY CO COM 427866108 193 1,000 SH   SOLE   0 0 1,000
HOME DEPOT INC COM 437076102 493 1,189 SH   SOLE   0 0 1,189
HOME DEPOT INC COM 437076102 311 750 SH   OTR   0 0 750
HP INC COM 40434L105 221 5,873 SH   OTR   0 0 5,873
ILLINOIS TOOL WKS INC COM 452308109 358 1,452 SH   SOLE   0 0 1,452
INTEL CORP COM 458140100 574 11,141 SH   SOLE   0 0 11,141
INTEL CORP COM 458140100 141 2,736 SH   OTR   0 0 2,736
INTERNATIONAL BUSINESS MACHS COM 459200101 205 1,533 SH   SOLE   0 0 1,533
ISHARES INC CORE MSCI EMKT 46434G103 1,023 17,089 SH   OTR   0 0 17,089
ISHARES INC CORE MSCI EMKT 46434G103 543 9,065 SH   SOLE   0 0 9,065
ISHARES INC ESG AWR MSCI EM 46434G863 493 12,405 SH   OTR   0 0 12,405
ISHARES INC ESG AWR MSCI EM 46434G863 85 2,145 SH   SOLE   0 0 2,145
ISHARES TR CORE MSCI EAFE 46432F842 403 5,396 SH   OTR   0 0 5,396
ISHARES TR CORE MSCI EAFE 46432F842 234 3,130 SH   SOLE   0 0 3,130
ISHARES TR CORE S&P MCP ETF 464287507 274 969 SH   OTR   0 0 969
ISHARES TR CORE S&P MCP ETF 464287507 222 784 SH   SOLE   0 0 784
ISHARES TR CORE S&P SCP ETF 464287804 1,254 10,955 SH   SOLE   0 0 10,955
ISHARES TR CORE S&P SCP ETF 464287804 1,207 10,543 SH   OTR   0 0 10,543
ISHARES TR CORE S&P TTL STK 464287150 66 617 SH   OTR   0 0 617
ISHARES TR CORE S&P TTL STK 464287150 1,301 12,164 SH   SOLE   0 0 12,164
ISHARES TR CORE S&P500 ETF 464287200 5,025 10,535 SH   OTR   0 0 10,535
ISHARES TR CORE S&P500 ETF 464287200 2,215 4,644 SH   SOLE   0 0 4,644
ISHARES TR CORE TOTAL USD 46434V613 415 7,845 SH   SOLE   0 0 7,845
ISHARES TR CORE TOTAL USD 46434V613 308 5,818 SH   OTR   0 0 5,818
ISHARES TR CORE US AGGBD ET 464287226 312 2,736 SH   SOLE   0 0 2,736
ISHARES TR CORE US AGGBD ET 464287226 361 3,164 SH   OTR   0 0 3,164
ISHARES TR EAFE GRWTH ETF 464288885 1,107 10,040 SH   SOLE   0 0 10,040
ISHARES TR EAFE GRWTH ETF 464288885 1,324 12,004 SH   OTR   0 0 12,004
ISHARES TR EAFE SML CP ETF 464288273 227 3,112 SH   SOLE   0 0 3,112
ISHARES TR EAFE SML CP ETF 464288273 69 939 SH   OTR   0 0 939
ISHARES TR EAFE VALUE ETF 464288877 1,235 24,499 SH   SOLE   0 0 24,499
ISHARES TR EAFE VALUE ETF 464288877 870 17,270 SH   OTR   0 0 17,270
ISHARES TR ESG AWR MSCI USA 46435G425 4,833 44,794 SH   OTR   0 0 44,794
ISHARES TR ESG AWR MSCI USA 46435G425 3,746 34,714 SH   SOLE   0 0 34,714
ISHARES TR GLOBAL FINLS ETF 464287333 286 3,569 SH   SOLE   0 0 3,569
ISHARES TR GLOBAL FINLS ETF 464287333 368 4,593 SH   OTR   0 0 4,593
ISHARES TR GLOBAL TECH ETF 464287291 112 1,746 SH   SOLE   0 0 1,746
ISHARES TR GLOBAL TECH ETF 464287291 270 4,191 SH   OTR   0 0 4,191
ISHARES TR IBOXX INV CP ETF 464287242 126 951 SH   SOLE   0 0 951
ISHARES TR IBOXX INV CP ETF 464287242 125 947 SH   OTR   0 0 947
ISHARES TR MSCI INTL VLU FT 46435G409 638 25,065 SH   OTR   0 0 25,065
ISHARES TR MSCI USA MIN VOL 46429B697 336 4,157 SH   SOLE   0 0 4,157
ISHARES TR MSCI USA MIN VOL 46429B697 330 4,080 SH   OTR   0 0 4,080
ISHARES TR MSCI USA MMENTM 46432F396 183 1,008 SH   OTR   0 0 1,008
ISHARES TR MSCI USA MMENTM 46432F396 166 914 SH   SOLE   0 0 914
ISHARES TR MSCI USA VALUE 46432F388 1,115 10,189 SH   SOLE   0 0 10,189
ISHARES TR MSCI USA VALUE 46432F388 1,715 15,663 SH   OTR   0 0 15,663
ISHARES TR NATIONAL MUN ETF 464288414 1,564 13,454 SH   SOLE   0 0 13,454
ISHARES TR NATIONAL MUN ETF 464288414 2,126 18,284 SH   OTR   0 0 18,284
ISHARES TR RUS 1000 GRW ETF 464287614 3,611 11,818 SH   SOLE   0 0 11,818
ISHARES TR RUS 1000 GRW ETF 464287614 192 630 SH   OTR   0 0 630
ISHARES TR RUS 1000 VAL ETF 464287598 1,989 11,842 SH   SOLE   0 0 11,842
ISHARES TR RUS 1000 VAL ETF 464287598 1,575 9,375 SH   OTR   0 0 9,375
ISHARES TR RUS 2000 VAL ETF 464287630 339 2,044 SH   SOLE   0 0 2,044
ISHARES TR RUS 2000 VAL ETF 464287630 119 717 SH   OTR   0 0 717
ISHARES TR RUS MD CP GR ETF 464287481 137 1,188 SH   SOLE   0 0 1,188
ISHARES TR RUS MD CP GR ETF 464287481 170 1,479 SH   OTR   0 0 1,479
ISHARES TR RUS MDCP VAL ETF 464287473 412 3,370 SH   SOLE   0 0 3,370
ISHARES TR RUS MDCP VAL ETF 464287473 220 1,795 SH   OTR   0 0 1,795
ISHARES TR RUSSELL 3000 ETF 464287689 269 971 SH   OTR   0 0 971
ISHARES TR RUSSELL 3000 ETF 464287689 1,171 4,220 SH   SOLE   0 0 4,220
ISHARES TR S&P 100 ETF 464287101 3 12 SH   OTR   0 0 12
ISHARES TR S&P 100 ETF 464287101 329 1,500 SH   SOLE   0 0 1,500
ISHARES TR S&P 500 GRWT ETF 464287309 3,120 37,286 SH   OTR   0 0 37,286
ISHARES TR S&P 500 GRWT ETF 464287309 6,321 75,544 SH   SOLE   0 0 75,544
ISHARES TR S&P 500 VAL ETF 464287408 1,780 11,364 SH   OTR   0 0 11,364
ISHARES TR S&P 500 VAL ETF 464287408 1,997 12,748 SH   SOLE   0 0 12,748
ISHARES TR S&P MC 400GR ETF 464287606 45 528 SH   OTR   0 0 528
ISHARES TR S&P MC 400GR ETF 464287606 161 1,884 SH   SOLE   0 0 1,884
ISHARES TR SELECT DIVID ETF 464287168 6 48 SH   OTR   0 0 48
ISHARES TR SELECT DIVID ETF 464287168 949 7,745 SH   SOLE   0 0 7,745
ISHARES TR SHRT NAT MUN ETF 464288158 241 2,246 SH   OTR   0 0 2,246
ISHARES TR SHRT NAT MUN ETF 464288158 96 893 SH   SOLE   0 0 893
ISHARES TR TIPS BD ETF 464287176 280 2,167 SH   SOLE   0 0 2,167
ISHARES TR TIPS BD ETF 464287176 183 1,414 SH   OTR   0 0 1,414
ISHARES TR U.S. ENERGY ETF 464287796 154 5,123 SH   OTR   0 0 5,123
ISHARES TR U.S. ENERGY ETF 464287796 247 8,218 SH   SOLE   0 0 8,218
ISHARES TR U.S. MED DVC ETF 464288810 249 3,785 SH   SOLE   0 0 3,785
ISHARES TR U.S. MED DVC ETF 464288810 515 7,817 SH   OTR   0 0 7,817
ISHARES TR US TREAS BD ETF 46429B267 515 19,297 SH   OTR   0 0 19,297
ISHARES TR US TREAS BD ETF 46429B267 242 9,079 SH   SOLE   0 0 9,079
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 98 1,987 SH   SOLE   0 0 1,987
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 397 8,020 SH   OTR   0 0 8,020
JOHNSON & JOHNSON COM 478160104 247 1,447 SH   OTR   0 0 1,447
JOHNSON & JOHNSON COM 478160104 1,216 7,107 SH   SOLE   0 0 7,107
JPMORGAN CHASE & CO COM 46625H100 325 2,051 SH   OTR   0 0 2,051
JPMORGAN CHASE & CO COM 46625H100 922 5,820 SH   SOLE   0 0 5,820
KIMBERLY-CLARK CORP COM 494368103 472 3,300 SH   SOLE   0 0 3,300
KROGER CO COM 501044101 1,444 31,911 SH   SOLE   0 0 31,911
LOCKHEED MARTIN CORP COM 539830109 1,252 3,524 SH   SOLE   0 0 3,524
LOCKHEED MARTIN CORP COM 539830109 81 229 SH   OTR   0 0 229
MCDONALDS CORP COM 580135101 706 2,632 SH   SOLE   0 0 2,632
MCDONALDS CORP COM 580135101 161 599 SH   OTR   0 0 599
MERCK & CO INC COM 58933Y105 143 1,865 SH   OTR   0 0 1,865
MERCK & CO INC COM 58933Y105 6,377 83,203 SH   SOLE   0 0 83,203
META PLATFORMS INC CL A 30303M102 283 840 SH   SOLE   0 0 840
META PLATFORMS INC CL A 30303M102 35 103 SH   OTR   0 0 103
MICROSOFT CORP COM 594918104 288 857 SH   OTR   0 0 857
MICROSOFT CORP COM 594918104 4,584 13,630 SH   SOLE   0 0 13,630
MID-AMER APT CMNTYS INC COM 59522J103 872 3,802 SH   SOLE   0 0 3,802
MONDELEZ INTL INC CL A 609207105 133 2,009 SH   OTR   0 0 2,009
MONDELEZ INTL INC CL A 609207105 141 2,129 SH   SOLE   0 0 2,129
MORGAN STANLEY COM NEW 617446448 894 9,103 SH   SOLE   0 0 9,103
MORGAN STANLEY COM NEW 617446448 6 66 SH   OTR   0 0 66
NEXTERA ENERGY INC COM 65339F101 1,062 11,380 SH   SOLE   0 0 11,380
NORFOLK SOUTHN CORP COM 655844108 424 1,425 SH   SOLE   0 0 1,425
ORGANON & CO COMMON STOCK 68622V106 251 8,259 SH   SOLE   0 0 8,259
PAYPAL HLDGS INC COM 70450Y103 25 134 SH   OTR   0 0 134
PAYPAL HLDGS INC COM 70450Y103 718 3,808 SH   SOLE   0 0 3,808
PEPSICO INC COM 713448108 205 1,178 SH   OTR   0 0 1,178
PFIZER INC COM 717081103 373 6,325 SH   SOLE   0 0 6,325
PFIZER INC COM 717081103 265 4,482 SH   OTR   0 0 4,482
PHILIP MORRIS INTL INC COM 718172109 170 1,787 SH   OTR   0 0 1,787
PHILIP MORRIS INTL INC COM 718172109 202 2,127 SH   SOLE   0 0 2,127
PROCTER AND GAMBLE CO COM 742718109 538 3,290 SH   SOLE   0 0 3,290
PROCTER AND GAMBLE CO COM 742718109 287 1,755 SH   OTR   0 0 1,755
PROLOGIS INC. COM 74340W103 213 1,265 SH   OTR   0 0 1,265
PRUDENTIAL FINL INC COM 744320102 193 1,787 SH   OTR   0 0 1,787
PRUDENTIAL FINL INC COM 744320102 19 180 SH   SOLE   0 0 180
RENASANT CORP COM 75970E107 230 6,062 SH   SOLE   0 0 6,062
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 428 9,864 SH   SOLE   0 0 9,864
SOUTHERN CO COM 842587107 148 2,161 SH   OTR   0 0 2,161
SOUTHERN CO COM 842587107 405 5,906 SH   SOLE   0 0 5,906
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 336 925 SH   SOLE   0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103 47 100 SH   OTR   0 0 100
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,811 5,917 SH   SOLE   0 0 5,917
SPDR SER TR NUVEEN BLMBRG MU 78468R721 278 5,367 SH   OTR   0 0 5,367
TEXAS INSTRS INC COM 882508104 222 1,180 SH   SOLE   0 0 1,180
UNION PAC CORP COM 907818108 202 800 SH   SOLE   0 0 800
VALLEY NATL BANCORP COM 919794107 183 13,339 SH   SOLE   0 0 13,339
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 55 650 SH   OTR   0 0 650
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 726 8,570 SH   SOLE   0 0 8,570
VANGUARD INDEX FDS GROWTH ETF 922908736 151 470 SH   SOLE   0 0 470
VANGUARD INDEX FDS GROWTH ETF 922908736 512 1,594 SH   OTR   0 0 1,594
VANGUARD INDEX FDS LARGE CAP ETF 922908637 400 1,812 SH   SOLE   0 0 1,812
VANGUARD INDEX FDS LARGE CAP ETF 922908637 60 270 SH   OTR   0 0 270
VANGUARD INDEX FDS TOTAL STK MKT 922908769 790 3,271 SH   SOLE   0 0 3,271
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28 115 SH   OTR   0 0 115
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 46 922 SH   OTR   0 0 922
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 366 7,395 SH   SOLE   0 0 7,395
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 615 3,583 SH   OTR   0 0 3,583
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,370 19,624 SH   SOLE   0 0 19,624
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,908 56,952 SH   SOLE   0 0 56,952
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,772 34,707 SH   OTR   0 0 34,707
VANGUARD WORLD FD ESG US STK ETF 921910733 77 874 SH   SOLE   0 0 874
VANGUARD WORLD FD ESG US STK ETF 921910733 581 6,608 SH   OTR   0 0 6,608
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,444 3,153 SH   SOLE   0 0 3,153
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,073 2,343 SH   OTR   0 0 2,343
VERIZON COMMUNICATIONS INC COM 92343V104 124 2,393 SH   OTR   0 0 2,393
VERIZON COMMUNICATIONS INC COM 92343V104 526 10,114 SH   SOLE   0 0 10,114
WALMART INC COM 931142103 464 3,205 SH   SOLE   0 0 3,205
WALMART INC COM 931142103 224 1,550 SH   OTR   0 0 1,550