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
ABBVIE INC COM 00287Y109   124,039 921 SH   SOLE   0 0 921
ABBVIE INC COM 00287Y109   171,646 1,274 SH   OTR   0 0 1,274
ALPHABET INC CAP STK CL C 02079K107   239,521 1,980 SH   SOLE   0 0 1,980
ALPHABET INC CAP STK CL C 02079K107   15,726 130 SH   OTR   0 0 130
ALPHABET INC CAP STK CL A 02079K305   6,344 53 SH   OTR   0 0 53
ALPHABET INC CAP STK CL A 02079K305   498,191 4,162 SH   SOLE   0 0 4,162
AMAZON COM INC COM 023135106   25,290 194 SH   OTR   0 0 194
AMAZON COM INC COM 023135106   771,992 5,922 SH   SOLE   0 0 5,922
APPLE INC COM 037833100   7,249,766 37,376 SH   SOLE   0 0 37,376
AT&T INC COM 00206R102   353,055 22,135 SH   SOLE   0 0 22,135
AT&T INC COM 00206R102   116,196 7,285 SH   OTR   0 0 7,285
AUTOMATIC DATA PROCESSING IN COM 053015103   231,219 1,052 SH   SOLE   0 0 1,052
AUTOZONE INC COM 053332102   249,336 100 SH   SOLE   0 0 100
BLACKROCK INC COM 09247X101   202,504 293 SH   OTR   0 0 293
BLACKROCK INC COM 09247X101   211,489 306 SH   SOLE   0 0 306
BRISTOL-MYERS SQUIBB CO COM 110122108   1,240,458 19,397 SH   SOLE   0 0 19,397
BRISTOL-MYERS SQUIBB CO COM 110122108   150,666 2,356 SH   OTR   0 0 2,356
CATERPILLAR INC COM 149123101   312,730 1,271 SH   SOLE   0 0 1,271
CATERPILLAR INC COM 149123101   239,407 973 SH   OTR   0 0 973
CHEVRON CORP NEW COM 166764100   533,465 3,390 SH   SOLE   0 0 3,390
CHEVRON CORP NEW COM 166764100   334,211 2,124 SH   OTR   0 0 2,124
CISCO SYS INC COM 17275R102   278,361 5,380 SH   SOLE   0 0 5,380
CISCO SYS INC COM 17275R102   258,700 5,000 SH   OTR   0 0 5,000
COCA COLA CO COM 191216100   1,119,875 18,596 SH   SOLE   0 0 18,596
COCA COLA CO COM 191216100   178,130 2,958 SH   OTR   0 0 2,958
COMCAST CORP NEW CL A 20030N101   62,297 1,499 SH   SOLE   0 0 1,499
COMCAST CORP NEW CL A 20030N101   141,561 3,407 SH   OTR   0 0 3,407
CONOCOPHILLIPS COM 20825C104   33,155 320 SH   SOLE   0 0 320
CONOCOPHILLIPS COM 20825C104   250,114 2,414 SH   OTR   0 0 2,414
EXXON MOBIL CORP COM 30231G102   3,398,928 31,692 SH   SOLE   0 0 31,692
EXXON MOBIL CORP COM 30231G102   350,601 3,269 SH   OTR   0 0 3,269
FORD MTR CO DEL COM 345370860   163,676 10,818 SH   OTR   0 0 10,818
FORD MTR CO DEL COM 345370860   7,643 505 SH   SOLE   0 0 505
GALLAGHER ARTHUR J & CO COM 363576109   282,806 1,288 SH   OTR   0 0 1,288
GOLDMAN SACHS GROUP INC COM 38141G104   3,548 11 SH   OTR   0 0 11
GOLDMAN SACHS GROUP INC COM 38141G104   201,109 624 SH   SOLE   0 0 624
HERSHEY CO COM 427866108   249,700 1,000 SH   SOLE   0 0 1,000
HERSHEY CO COM 427866108   23,971 96 SH   OTR   0 0 96
HOME DEPOT INC COM 437076102   252,240 812 SH   OTR   0 0 812
HOME DEPOT INC COM 437076102   388,155 1,250 SH   SOLE   0 0 1,250
ILLINOIS TOOL WKS INC COM 452308109   363,232 1,452 SH   SOLE   0 0 1,452
INTEL CORP COM 458140100   367,303 10,984 SH   SOLE   0 0 10,984
INTERNATIONAL BUSINESS MACHS COM 459200101   95,674 715 SH   OTR   0 0 715
INTERNATIONAL BUSINESS MACHS COM 459200101   158,832 1,187 SH   SOLE   0 0 1,187
ISHARES INC CORE MSCI EMKT 46434G103   84,828 1,721 SH   SOLE   0 0 1,721
ISHARES INC CORE MSCI EMKT 46434G103   194,055 3,937 SH   OTR   0 0 3,937
ISHARES INC ESG AWR MSCI EM 46434G863   9,869 312 SH   SOLE   0 0 312
ISHARES INC ESG AWR MSCI EM 46434G863   627,761 19,847 SH   OTR   0 0 19,847
ISHARES TR S&P 500 GRWT ETF 464287309   3,905,754 55,416 SH   SOLE   0 0 55,416
ISHARES TR RUS 2000 VAL ETF 464287630   282,304 2,005 SH   SOLE   0 0 2,005
ISHARES TR MSCI INTL VLU FT 46435G409   7,711 303 SH   SOLE   0 0 303
ISHARES TR U.S. TECH ETF 464287721   225,073 2,067 SH   SOLE   0 0 2,067
ISHARES TR S&P 500 VAL ETF 464287408   1,720,703 10,675 SH   OTR   0 0 10,675
ISHARES TR CORE US AGGBD ET 464287226   450,864 4,603 SH   OTR   0 0 4,603
ISHARES TR MSCI USA MIN VOL 46429B697   742,408 9,988 SH   OTR   0 0 9,988
ISHARES TR NATIONAL MUN ETF 464288414   36,502 342 SH   SOLE   0 0 342
ISHARES TR MSCI USA QLT FCT 46432F339   1,277,758 9,474 SH   SOLE   0 0 9,474
ISHARES TR CORE S&P SCP ETF 464287804   455,500 4,571 SH   OTR   0 0 4,571
ISHARES TR CORE S&P MCP ETF 464287507   174,146 666 SH   OTR   0 0 666
ISHARES TR CORE TOTAL USD 46434V613   995,065 21,884 SH   OTR   0 0 21,884
ISHARES TR MSCI USA VALUE 46432F388   2,147 23 SH   SOLE   0 0 23
ISHARES TR CORE MSCI EAFE 46432F842   93,690 1,388 SH   OTR   0 0 1,388
ISHARES TR 7-10 YR TRSY BD 464287440   348,243 3,605 SH   OTR   0 0 3,605
ISHARES TR US TREAS BD ETF 46429B267   238,366 10,409 SH   OTR   0 0 10,409
ISHARES TR 20 YR TR BD ETF 464287432   235,836 2,291 SH   OTR   0 0 2,291
ISHARES TR CORE TOTAL USD 46434V613   880,799 19,371 SH   SOLE   0 0 19,371
ISHARES TR RUSSELL 3000 ETF 464287689   1,258,977 4,947 SH   SOLE   0 0 4,947
ISHARES TR ESG AWR MSCI USA 46435G425   143,071 1,468 SH   SOLE   0 0 1,468
ISHARES TR MSCI INTL VLU FT 46435G409   1,281,637 50,359 SH   OTR   0 0 50,359
ISHARES TR CORE US AGGBD ET 464287226   347,527 3,548 SH   SOLE   0 0 3,548
ISHARES TR EAFE GRWTH ETF 464288885   1,054,471 11,052 SH   SOLE   0 0 11,052
ISHARES TR RUS 1000 GRW ETF 464287614   2,883,626 10,479 SH   SOLE   0 0 10,479
ISHARES TR CORE S&P SCP ETF 464287804   402,686 4,041 SH   SOLE   0 0 4,041
ISHARES TR RUS 1000 VAL ETF 464287598   247,951 1,571 SH   OTR   0 0 1,571
ISHARES TR MSCI USA QLT FCT 46432F339   377,366 2,798 SH   OTR   0 0 2,798
ISHARES TR US HLTHCARE ETF 464287762   480,353 1,714 SH   OTR   0 0 1,714
ISHARES TR RUS 1000 GRW ETF 464287614   421,301 1,531 SH   OTR   0 0 1,531
ISHARES TR ESG MSCI LEADR 46435U218   5,927,507 76,563 SH   OTR   0 0 76,563
ISHARES TR EAFE GRWTH ETF 464288885   3,138,226 32,892 SH   OTR   0 0 32,892
ISHARES TR SHRT NAT MUN ETF 464288158   7,803 75 SH   SOLE   0 0 75
ISHARES TR U.S. ENERGY ETF 464287796   306,392 7,152 SH   OTR   0 0 7,152
ISHARES TR U.S. TECH ETF 464287721   923,435 8,482 SH   OTR   0 0 8,482
ISHARES TR CORE S&P500 ETF 464287200   3,862,523 8,666 SH   OTR   0 0 8,666
ISHARES TR 20 YR TR BD ETF 464287432   4,221 41 SH   SOLE   0 0 41
ISHARES TR RUSSELL 3000 ETF 464287689   123,168 484 SH   OTR   0 0 484
ISHARES TR MBS ETF 464288588   470,149 5,041 SH   OTR   0 0 5,041
ISHARES TR S&P SML 600 GWT 464287887   448,917 3,906 SH   OTR   0 0 3,906
ISHARES TR US TREAS BD ETF 46429B267   49,670 2,169 SH   SOLE   0 0 2,169
ISHARES TR RUS 1000 VAL ETF 464287598   1,897,748 12,024 SH   SOLE   0 0 12,024
ISHARES TR SHRT NAT MUN ETF 464288158   459,233 4,414 SH   OTR   0 0 4,414
ISHARES TR EAFE VALUE ETF 464288877   1,701,840 34,774 SH   OTR   0 0 34,774
ISHARES TR 10-20 YR TRS ETF 464288653   320,790 2,896 SH   SOLE   0 0 2,896
ISHARES TR CORE MSCI EAFE 46432F842   1,353,578 20,053 SH   SOLE   0 0 20,053
ISHARES TR CORE S&P TTL STK 464287150   65,259 667 SH   OTR   0 0 667
ISHARES TR CORE S&P500 ETF 464287200   1,098,675 2,465 SH   SOLE   0 0 2,465
ISHARES TR RUS 2000 VAL ETF 464287630   17,741 126 SH   OTR   0 0 126
ISHARES TR S&P 500 VAL ETF 464287408   1,599,500 9,923 SH   SOLE   0 0 9,923
ISHARES TR S&P 500 GRWT ETF 464287309   2,911,881 41,315 SH   OTR   0 0 41,315
ISHARES TR GLOB HLTHCRE ETF 464287325   311,148 3,661 SH   OTR   0 0 3,661
ISHARES TR CORE S&P TTL STK 464287150   531,173 5,429 SH   SOLE   0 0 5,429
ISHARES TR ESG MSCI EM LDRS 46436E601   281,764 6,295 SH   OTR   0 0 6,295
ISHARES TR S&P 100 ETF 464287101   4,935,896 23,838 SH   OTR   0 0 23,838
ISHARES TR NATIONAL MUN ETF 464288414   2,449,240 22,948 SH   OTR   0 0 22,948
ISHARES TR S&P 100 ETF 464287101   310,590 1,500 SH   SOLE   0 0 1,500
ISHARES TR EUROPE ETF 464287861   278,071 5,502 SH   OTR   0 0 5,502
ISHARES TR MSCI EMG MKT ETF 464287234   1,232,571 31,157 SH   OTR   0 0 31,157
ISHARES TR MBS ETF 464288588   79,182 849 SH   SOLE   0 0 849
ISHARES TR CORE DIV GRWTH 46434V621   499,686 9,697 SH   SOLE   0 0 9,697
ISHARES TR EAFE VALUE ETF 464288877   683,839 13,973 SH   SOLE   0 0 13,973
ISHARES TR CORE S&P MCP ETF 464287507   140,938 539 SH   SOLE   0 0 539
ISHARES TR ESG AWR MSCI USA 46435G425   1,586,454 16,278 SH   OTR   0 0 16,278
ISHARES TR MSCI USA MIN VOL 46429B697   378,117 5,087 SH   SOLE   0 0 5,087
ISHARES TR US HLTHCARE ETF 464287762   17,376 62 SH   SOLE   0 0 62
ISHARES TR MSCI USA VALUE 46432F388   464,636 4,954 SH   OTR   0 0 4,954
ISHARES TR 10-20 YR TRS ETF 464288653   575,782 5,198 SH   OTR   0 0 5,198
ISHARES TR SELECT DIVID ETF 464287168   729,992 6,443 SH   SOLE   0 0 6,443
JOHNSON & JOHNSON COM 478160104   1,180,259 7,131 SH   SOLE   0 0 7,131
JOHNSON & JOHNSON COM 478160104   282,874 1,709 SH   OTR   0 0 1,709
JPMORGAN CHASE & CO COM 46625H100   852,434 5,861 SH   SOLE   0 0 5,861
JPMORGAN CHASE & CO COM 46625H100   349,201 2,401 SH   OTR   0 0 2,401
KIMBERLY-CLARK CORP COM 494368103   5,384 39 SH   OTR   0 0 39
KIMBERLY-CLARK CORP COM 494368103   455,717 3,301 SH   SOLE   0 0 3,301
KROGER CO COM 501044101   1,546,215 32,898 SH   SOLE   0 0 32,898
LILLY ELI & CO COM 532457108   22,980 49 SH   OTR   0 0 49
LILLY ELI & CO COM 532457108   234,490 500 SH   SOLE   0 0 500
LOCKHEED MARTIN CORP COM 539830109   124,763 271 SH   OTR   0 0 271
LOCKHEED MARTIN CORP COM 539830109   1,461,246 3,174 SH   SOLE   0 0 3,174
MCDONALDS CORP COM 580135101   786,685 2,636 SH   SOLE   0 0 2,636
MCDONALDS CORP COM 580135101   194,265 651 SH   OTR   0 0 651
MERCK & CO INC COM 58933Y105   324,823 2,815 SH   OTR   0 0 2,815
MERCK & CO INC COM 58933Y105   8,945,228 77,522 SH   SOLE   0 0 77,522
META PLATFORMS INC CL A 30303M102   241,924 843 SH   SOLE   0 0 843
META PLATFORMS INC CL A 30303M102   12,627 44 SH   OTR   0 0 44
MICROSOFT CORP COM 594918104   4,645,754 13,642 SH   SOLE   0 0 13,642
MICROSOFT CORP COM 594918104   371,189 1,090 SH   OTR   0 0 1,090
MID-AMER APT CMNTYS INC COM 59522J103   540,681 3,560 SH   SOLE   0 0 3,560
MONDELEZ INTL INC CL A 609207105   155,289 2,129 SH   SOLE   0 0 2,129
MONDELEZ INTL INC CL A 609207105   174,837 2,397 SH   OTR   0 0 2,397
MORGAN STANLEY COM NEW 617446448   3,672 43 SH   OTR   0 0 43
MORGAN STANLEY COM NEW 617446448   786,001 9,204 SH   SOLE   0 0 9,204
NEXTERA ENERGY INC COM 65339F101   844,396 11,380 SH   SOLE   0 0 11,380
NORFOLK SOUTHN CORP COM 655844108   15,193 67 SH   OTR   0 0 67
NORFOLK SOUTHN CORP COM 655844108   325,076 1,434 SH   SOLE   0 0 1,434
NVIDIA CORPORATION COM 67066G104   222,934 527 SH   SOLE   0 0 527
NVIDIA CORPORATION COM 67066G104   31,303 74 SH   OTR   0 0 74
PAYPAL HLDGS INC COM 70450Y103   253,240 3,795 SH   SOLE   0 0 3,795
PEPSICO INC COM 713448108   255,418 1,379 SH   OTR   0 0 1,379
PFIZER INC COM 717081103   218,461 5,956 SH   SOLE   0 0 5,956
PFIZER INC COM 717081103   196,495 5,357 SH   OTR   0 0 5,357
PHILIP MORRIS INTL INC COM 718172109   183,330 1,878 SH   SOLE   0 0 1,878
PHILIP MORRIS INTL INC COM 718172109   205,198 2,102 SH   OTR   0 0 2,102
PROCTER AND GAMBLE CO COM 742718109   494,165 3,257 SH   SOLE   0 0 3,257
PROCTER AND GAMBLE CO COM 742718109   311,522 2,053 SH   OTR   0 0 2,053
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   303,154 4,175 SH   SOLE   0 0 4,175
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   69,933 963 SH   OTR   0 0 963
SHELL PLC SPON ADS 780259305   589,550 9,764 SH   SOLE   0 0 9,764
SOUTHERN CO COM 842587107   183,704 2,615 SH   OTR   0 0 2,615
SOUTHERN CO COM 842587107   359,135 5,112 SH   SOLE   0 0 5,112
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   318,061 925 SH   SOLE   0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,579,782 5,820 SH   SOLE   0 0 5,820
SPDR S&P 500 ETF TR TR UNIT 78462F103   57,183 129 SH   OTR   0 0 129
SPDR SER TR NUVEEN BLMBRG MU 78468R721   463,262 10,036 SH   OTR   0 0 10,036
TEXAS INSTRS INC COM 882508104   212,424 1,180 SH   SOLE   0 0 1,180
VALLEY NATL BANCORP COM 919794107   103,377 13,339 SH   SOLE   0 0 13,339
VANGUARD INDEX FDS GROWTH ETF 922908736   379,166 1,340 SH   OTR   0 0 1,340
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   786,865 1,932 SH   SOLE   0 0 1,932
VANGUARD INDEX FDS GROWTH ETF 922908736   348,324 1,231 SH   SOLE   0 0 1,231
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   669,374 4,121 SH   OTR   0 0 4,121
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,107,365 19,130 SH   SOLE   0 0 19,130
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   37,960 822 SH   OTR   0 0 822
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   546,507 11,834 SH   SOLE   0 0 11,834
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   762,862 7,192 SH   SOLE   0 0 7,192
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   76,583 722 SH   OTR   0 0 722
VANGUARD WORLD FDS INF TECH ETF 92204A702   253,800 574 SH   OTR   0 0 574
VANGUARD WORLD FDS INF TECH ETF 92204A702   864,768 1,956 SH   SOLE   0 0 1,956
VERIZON COMMUNICATIONS INC COM 92343V104   188,181 5,060 SH   OTR   0 0 5,060
VERIZON COMMUNICATIONS INC COM 92343V104   371,326 9,985 SH   SOLE   0 0 9,985
WALMART INC COM 931142103   288,897 1,838 SH   OTR   0 0 1,838
WALMART INC COM 931142103   489,190 3,112 SH   SOLE   0 0 3,112