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 171 1,271 SH   OTR   0 0 1,271
ABBVIE INC COM 00287Y109 123 920 SH   SOLE   0 0 920
ALPHABET INC CAP STK CL A 02079K305 394 4,120 SH   SOLE   0 0 4,120
ALPHABET INC CAP STK CL C 02079K107 13 134 SH   OTR   0 0 134
ALPHABET INC CAP STK CL C 02079K107 190 1,980 SH   SOLE   0 0 1,980
AMAZON COM INC COM 023135106 680 6,020 SH   SOLE   0 0 6,020
AMAZON COM INC COM 023135106 22 195 SH   OTR   0 0 195
AMERICAN ELEC PWR CO INC COM 025537101 200 2,310 SH   SOLE   0 0 2,310
APPLE INC COM 037833100 5,262 38,074 SH   SOLE   0 0 38,074
AT&T INC COM 00206R102 353 23,018 SH   SOLE   0 0 23,018
AT&T INC COM 00206R102 116 7,562 SH   OTR   0 0 7,562
AUTOMATIC DATA PROCESSING IN COM 053015103 238 1,052 SH   SOLE   0 0 1,052
AUTOZONE INC COM 053332102 214 100 SH   SOLE   0 0 100
BLACKROCK INC COM 09247X101 168 306 SH   SOLE   0 0 306
BLACKROCK INC COM 09247X101 157 286 SH   OTR   0 0 286
BRISTOL-MYERS SQUIBB CO COM 110122108 1,535 21,597 SH   SOLE   0 0 21,597
BRISTOL-MYERS SQUIBB CO COM 110122108 175 2,460 SH   OTR   0 0 2,460
CATERPILLAR INC COM 149123101 169 1,027 SH   OTR   0 0 1,027
CATERPILLAR INC COM 149123101 250 1,521 SH   SOLE   0 0 1,521
CHEVRON CORP NEW COM 166764100 558 3,884 SH   SOLE   0 0 3,884
CHEVRON CORP NEW COM 166764100 316 2,197 SH   OTR   0 0 2,197
CISCO SYS INC COM 17275R102 215 5,380 SH   SOLE   0 0 5,380
CISCO SYS INC COM 17275R102 213 5,332 SH   OTR   0 0 5,332
COCA COLA CO COM 191216100 1,056 18,845 SH   SOLE   0 0 18,845
COCA COLA CO COM 191216100 170 3,046 SH   OTR   0 0 3,046
CONOCOPHILLIPS COM 20825C104 252 2,466 SH   OTR   0 0 2,466
CONOCOPHILLIPS COM 20825C104 43 420 SH   SOLE   0 0 420
EXXON MOBIL CORP COM 30231G102 2,873 32,910 SH   SOLE   0 0 32,910
EXXON MOBIL CORP COM 30231G102 300 3,441 SH   OTR   0 0 3,441
FIRST HORIZON CORPORATION COM 320517105 11 500 SH   OTR   0 0 500
FIRST HORIZON CORPORATION COM 320517105 191 8,348 SH   SOLE   0 0 8,348
GALLAGHER ARTHUR J & CO COM 363576109 223 1,300 SH   OTR   0 0 1,300
HERSHEY CO COM 427866108 21 96 SH   OTR   0 0 96
HERSHEY CO COM 427866108 220 1,000 SH   SOLE   0 0 1,000
HOME DEPOT INC COM 437076102 222 806 SH   OTR   0 0 806
HOME DEPOT INC COM 437076102 338 1,226 SH   SOLE   0 0 1,226
ILLINOIS TOOL WKS INC COM 452308109 262 1,452 SH   SOLE   0 0 1,452
INTEL CORP COM 458140100 287 11,141 SH   SOLE   0 0 11,141
INTEL CORP COM 458140100 62 2,397 SH   OTR   0 0 2,397
INTERNATIONAL BUSINESS MACHS COM 459200101 157 1,324 SH   SOLE   0 0 1,324
INTERNATIONAL BUSINESS MACHS COM 459200101 90 756 SH   OTR   0 0 756
ISHARES INC ESG AWR MSCI EM 46434G863 7 261 SH   SOLE   0 0 261
ISHARES INC ESG AWR MSCI EM 46434G863 481 17,396 SH   OTR   0 0 17,396
ISHARES INC MSCI EMERG MRKT 464286533 224 4,412 SH   OTR   0 0 4,412
ISHARES INC MSCI EMERG MRKT 464286533 414 8,177 SH   SOLE   0 0 8,177
ISHARES TR 0-5 YR TIPS ETF 46429B747 210 2,184 SH   OTR   0 0 2,184
ISHARES TR 10-20 YR TRS ETF 464288653 453 4,154 SH   OTR   0 0 4,154
ISHARES TR 10-20 YR TRS ETF 464288653 220 2,022 SH   SOLE   0 0 2,022
ISHARES TR 20 YR TR BD ETF 464287432 4 42 SH   SOLE   0 0 42
ISHARES TR 20 YR TR BD ETF 464287432 216 2,104 SH   OTR   0 0 2,104
ISHARES TR 7-10 YR TRSY BD 464287440 321 3,339 SH   OTR   0 0 3,339
ISHARES TR CORE S&P MCP ETF 464287507 150 684 SH   OTR   0 0 684
ISHARES TR CORE S&P MCP ETF 464287507 144 657 SH   SOLE   0 0 657
ISHARES TR CORE S&P SCP ETF 464287804 568 6,520 SH   OTR   0 0 6,520
ISHARES TR CORE S&P SCP ETF 464287804 533 6,112 SH   SOLE   0 0 6,112
ISHARES TR CORE S&P TTL STK 464287150 53 667 SH   OTR   0 0 667
ISHARES TR CORE S&P TTL STK 464287150 1,288 16,187 SH   SOLE   0 0 16,187
ISHARES TR CORE S&P500 ETF 464287200 180 502 SH   SOLE   0 0 502
ISHARES TR CORE S&P500 ETF 464287200 3,065 8,547 SH   OTR   0 0 8,547
ISHARES TR CORE TOTAL USD 46434V613 326 7,320 SH   SOLE   0 0 7,320
ISHARES TR CORE TOTAL USD 46434V613 639 14,349 SH   OTR   0 0 14,349
ISHARES TR CORE US AGGBD ET 464287226 512 5,318 SH   OTR   0 0 5,318
ISHARES TR CORE US AGGBD ET 464287226 105 1,091 SH   SOLE   0 0 1,091
ISHARES TR EAFE GRWTH ETF 464288885 484 6,665 SH   SOLE   0 0 6,665
ISHARES TR EAFE GRWTH ETF 464288885 2,232 30,764 SH   OTR   0 0 30,764
ISHARES TR EAFE VALUE ETF 464288877 633 16,436 SH   SOLE   0 0 16,436
ISHARES TR EAFE VALUE ETF 464288877 939 24,375 SH   OTR   0 0 24,375
ISHARES TR ESG AWR MSCI USA 46435G425 1,418 17,851 SH   SOLE   0 0 17,851
ISHARES TR ESG AWR MSCI USA 46435G425 1,758 22,142 SH   OTR   0 0 22,142
ISHARES TR ESG MSCI EM LDRS 46436E601 267 6,551 SH   OTR   0 0 6,551
ISHARES TR ESG MSCI LEADR 46435U218 4,680 75,779 SH   OTR   0 0 75,779
ISHARES TR EUROPE ETF 464287861 644 17,063 SH   OTR   0 0 17,063
ISHARES TR MSCI EMG MKT ETF 464287234 1,136 32,576 SH   OTR   0 0 32,576
ISHARES TR MSCI INTL VLU FT 46435G409 1,366 69,168 SH   OTR   0 0 69,168
ISHARES TR MSCI USA MIN VOL 46429B697 634 9,584 SH   OTR   0 0 9,584
ISHARES TR MSCI USA MIN VOL 46429B697 209 3,155 SH   SOLE   0 0 3,155
ISHARES TR MSCI USA VALUE 46432F388 22 271 SH   SOLE   0 0 271
ISHARES TR MSCI USA VALUE 46432F388 453 5,537 SH   OTR   0 0 5,537
ISHARES TR NATIONAL MUN ETF 464288414 29 287 SH   SOLE   0 0 287
ISHARES TR NATIONAL MUN ETF 464288414 2,381 23,216 SH   OTR   0 0 23,216
ISHARES TR RUS 1000 GRW ETF 464287614 2,205 10,479 SH   SOLE   0 0 10,479
ISHARES TR RUS 1000 GRW ETF 464287614 322 1,531 SH   OTR   0 0 1,531
ISHARES TR RUS 1000 VAL ETF 464287598 1,619 11,902 SH   SOLE   0 0 11,902
ISHARES TR RUS 1000 VAL ETF 464287598 274 2,009 SH   OTR   0 0 2,009
ISHARES TR RUS 2000 VAL ETF 464287630 259 2,005 SH   SOLE   0 0 2,005
ISHARES TR RUS 2000 VAL ETF 464287630 17 135 SH   OTR   0 0 135
ISHARES TR RUSSELL 3000 ETF 464287689 813 3,927 SH   SOLE   0 0 3,927
ISHARES TR RUSSELL 3000 ETF 464287689 119 577 SH   OTR   0 0 577
ISHARES TR S&P 100 ETF 464287101 244 1,500 SH   SOLE   0 0 1,500
ISHARES TR S&P 100 ETF 464287101 3,838 23,619 SH   OTR   0 0 23,619
ISHARES TR S&P 500 GRWT ETF 464287309 2,416 41,770 SH   OTR   0 0 41,770
ISHARES TR S&P 500 GRWT ETF 464287309 4,144 71,636 SH   SOLE   0 0 71,636
ISHARES TR S&P 500 VAL ETF 464287408 1,409 10,960 SH   OTR   0 0 10,960
ISHARES TR S&P 500 VAL ETF 464287408 1,387 10,789 SH   SOLE   0 0 10,789
ISHARES TR S&P SML 600 GWT 464287887 610 5,995 SH   OTR   0 0 5,995
ISHARES TR SELECT DIVID ETF 464287168 833 7,769 SH   SOLE   0 0 7,769
ISHARES TR SHRT NAT MUN ETF 464288158 7 71 SH   SOLE   0 0 71
ISHARES TR SHRT NAT MUN ETF 464288158 550 5,354 SH   OTR   0 0 5,354
ISHARES TR TIPS BD ETF 464287176 135 1,289 SH   OTR   0 0 1,289
ISHARES TR TIPS BD ETF 464287176 248 2,367 SH   SOLE   0 0 2,367
ISHARES TR U.S. ENERGY ETF 464287796 404 10,274 SH   OTR   0 0 10,274
ISHARES TR U.S. ENERGY ETF 464287796 172 4,378 SH   SOLE   0 0 4,378
ISHARES TR US HLTHCARE ETF 464287762 396 1,567 SH   OTR   0 0 1,567
ISHARES TR US HLTHCARE ETF 464287762 16 62 SH   SOLE   0 0 62
ISHARES TR US TREAS BD ETF 46429B267 134 5,879 SH   SOLE   0 0 5,879
ISHARES TR US TREAS BD ETF 46429B267 660 28,995 SH   OTR   0 0 28,995
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 353 6,425 SH   OTR   0 0 6,425
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 104 1,885 SH   SOLE   0 0 1,885
JOHNSON & JOHNSON COM 478160104 1,161 7,107 SH   SOLE   0 0 7,107
JOHNSON & JOHNSON COM 478160104 290 1,774 SH   OTR   0 0 1,774
JPMORGAN CHASE & CO COM 46625H100 612 5,860 SH   SOLE   0 0 5,860
JPMORGAN CHASE & CO COM 46625H100 256 2,455 SH   OTR   0 0 2,455
KIMBERLY-CLARK CORP COM 494368103 4 39 SH   OTR   0 0 39
KIMBERLY-CLARK CORP COM 494368103 371 3,300 SH   SOLE   0 0 3,300
KROGER CO COM 501044101 1,415 32,350 SH   SOLE   0 0 32,350
LOCKHEED MARTIN CORP COM 539830109 1,342 3,474 SH   SOLE   0 0 3,474
LOCKHEED MARTIN CORP COM 539830109 111 287 SH   OTR   0 0 287
MCDONALDS CORP COM 580135101 161 699 SH   OTR   0 0 699
MCDONALDS CORP COM 580135101 607 2,632 SH   SOLE   0 0 2,632
MERCK & CO INC COM 58933Y105 7,119 82,664 SH   SOLE   0 0 82,664
MERCK & CO INC COM 58933Y105 250 2,904 SH   OTR   0 0 2,904
MICROSOFT CORP COM 594918104 3,176 13,637 SH   SOLE   0 0 13,637
MICROSOFT CORP COM 594918104 238 1,021 SH   OTR   0 0 1,021
MID-AMER APT CMNTYS INC COM 59522J103 590 3,802 SH   SOLE   0 0 3,802
MONDELEZ INTL INC CL A 609207105 137 2,503 SH   OTR   0 0 2,503
MONDELEZ INTL INC CL A 609207105 117 2,129 SH   SOLE   0 0 2,129
MORGAN STANLEY COM NEW 617446448 5 66 SH   OTR   0 0 66
MORGAN STANLEY COM NEW 617446448 723 9,151 SH   SOLE   0 0 9,151
NEXTERA ENERGY INC COM 65339F101 892 11,380 SH   SOLE   0 0 11,380
NORFOLK SOUTHN CORP COM 655844108 299 1,425 SH   SOLE   0 0 1,425
PAYPAL HLDGS INC COM 70450Y103 12 134 SH   OTR   0 0 134
PAYPAL HLDGS INC COM 70450Y103 328 3,808 SH   SOLE   0 0 3,808
PEPSICO INC COM 713448108 210 1,287 SH   OTR   0 0 1,287
PFIZER INC COM 717081103 234 5,340 SH   OTR   0 0 5,340
PFIZER INC COM 717081103 277 6,325 SH   SOLE   0 0 6,325
PHILIP MORRIS INTL INC COM 718172109 174 2,098 SH   SOLE   0 0 2,098
PHILIP MORRIS INTL INC COM 718172109 177 2,131 SH   OTR   0 0 2,131
PROCTER AND GAMBLE CO COM 742718109 266 2,108 SH   OTR   0 0 2,108
PROCTER AND GAMBLE CO COM 742718109 419 3,322 SH   SOLE   0 0 3,322
PRUDENTIAL FINL INC COM 744320102 15 180 SH   SOLE   0 0 180
PRUDENTIAL FINL INC COM 744320102 192 2,240 SH   OTR   0 0 2,240
SHELL PLC SPON ADS 780259305 491 9,864 SH   SOLE   0 0 9,864
SOUTHERN CO COM 842587107 402 5,906 SH   SOLE   0 0 5,906
SOUTHERN CO COM 842587107 182 2,681 SH   OTR   0 0 2,681
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 266 925 SH   SOLE   0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103 46 129 SH   OTR   0 0 129
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,080 5,824 SH   SOLE   0 0 5,824
SPDR SER TR NUVEEN BLMBRG MU 78468R721 421 9,559 SH   OTR   0 0 9,559
SPDR SER TR NUVEEN BLMBRG SH 78468R739 200 4,330 SH   OTR   0 0 4,330
VALLEY NATL BANCORP COM 919794107 144 13,339 SH   SOLE   0 0 13,339
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6 82 SH   OTR   0 0 82
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 225 3,160 SH   SOLE   0 0 3,160
VANGUARD INDEX FDS GROWTH ETF 922908736 101 470 SH   SOLE   0 0 470
VANGUARD INDEX FDS GROWTH ETF 922908736 311 1,455 SH   OTR   0 0 1,455
VANGUARD INDEX FDS TOTAL STK MKT 922908769 888 4,949 SH   SOLE   0 0 4,949
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17 97 SH   OTR   0 0 97
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 557 4,121 SH   OTR   0 0 4,121
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,972 21,985 SH   SOLE   0 0 21,985
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 35 949 SH   OTR   0 0 949
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,594 43,845 SH   SOLE   0 0 43,845
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 760 8,014 SH   SOLE   0 0 8,014
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 69 722 SH   OTR   0 0 722
VANGUARD WORLD FDS INF TECH ETF 92204A702 183 597 SH   OTR   0 0 597
VANGUARD WORLD FDS INF TECH ETF 92204A702 483 1,572 SH   SOLE   0 0 1,572
VERIZON COMMUNICATIONS INC COM 92343V104 388 10,227 SH   SOLE   0 0 10,227
VERIZON COMMUNICATIONS INC COM 92343V104 196 5,164 SH   OTR   0 0 5,164
WALMART INC COM 931142103 417 3,211 SH   SOLE   0 0 3,211
WALMART INC COM 931142103 250 1,924 SH   OTR   0 0 1,924