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
ABBOTT LABS COM 002824100   103,431 910 SH   OTR   910 0 0
ABBOTT LABS COM 002824100   102,067 898 SH   SOLE   898 0 0
ABBVIE INC COM 00287Y109   167,650 921 SH   SOLE   921 0 0
ABBVIE INC COM 00287Y109   249,477 1,370 SH   OTR   1,370 0 0
ALPHABET INC CAP STK CL A 02079K305   736,991 4,883 SH   SOLE   4,883 0 0
ALPHABET INC CAP STK CL C 02079K107   301,475 1,980 SH   SOLE   1,980 0 0
ALPHABET INC CAP STK CL A 02079K305   25,054 166 SH   OTR   166 0 0
ALPHABET INC CAP STK CL C 02079K107   20,251 133 SH   OTR   133 0 0
AMAZON COM INC COM 023135106   1,152,628 6,390 SH   SOLE   6,390 0 0
AMAZON COM INC COM 023135106   37,519 208 SH   OTR   208 0 0
AMERICAN ELEC PWR CO INC COM 025537101   86,358 1,003 SH   OTR   1,003 0 0
AMERICAN ELEC PWR CO INC COM 025537101   198,891 2,310 SH   SOLE   2,310 0 0
APPLE INC COM 037833100   6,528,238 38,070 SH   SOLE   38,070 0 0
AT&T INC COM 00206R102   385,300 21,892 SH   SOLE   21,892 0 0
AT&T INC COM 00206R102   131,067 7,447 SH   OTR   7,447 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   262,726 1,052 SH   SOLE   1,052 0 0
AUTOZONE INC COM 053332102   315,165 100 SH   SOLE   100 0 0
BANK AMERICA CORP COM 060505104   86,062 2,270 SH   SOLE   2,270 0 0
BANK AMERICA CORP COM 060505104   157,710 4,159 SH   OTR   4,159 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   372,581 886 SH   SOLE   886 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,056,010 23,784 SH   SOLE   23,784 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   334,865 7,542 SH   OTR   7,542 0 0
BLACKROCK INC COM 09247X101   279,290 335 SH   OTR   335 0 0
BLACKROCK INC COM 09247X101   255,112 306 SH   SOLE   306 0 0
BLACKSTONE INC COM 09260D107   253,019 1,926 SH   SOLE   1,926 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,074,291 19,810 SH   SOLE   19,810 0 0
BROADCOM INC COM 11135F101   262,431 198 SH   OTR   198 0 0
CATERPILLAR INC COM 149123101   474,527 1,295 SH   SOLE   1,295 0 0
CATERPILLAR INC COM 149123101   384,385 1,049 SH   OTR   1,049 0 0
CHEVRON CORP NEW COM 166764100   534,794 3,390 SH   SOLE   3,390 0 0
CHEVRON CORP NEW COM 166764100   345,451 2,190 SH   OTR   2,190 0 0
CISCO SYS INC COM 17275R102   268,516 5,380 SH   SOLE   5,380 0 0
CISCO SYS INC COM 17275R102   262,627 5,262 SH   OTR   5,262 0 0
COCA COLA CO COM 191216100   1,137,839 18,598 SH   SOLE   18,598 0 0
COCA COLA CO COM 191216100   185,988 3,040 SH   OTR   3,040 0 0
COMCAST CORP NEW CL A 20030N101   64,996 1,499 SH   SOLE   1,499 0 0
COMCAST CORP NEW CL A 20030N101   156,927 3,620 SH   OTR   3,620 0 0
CONOCOPHILLIPS COM 20825C104   40,730 320 SH   SOLE   320 0 0
CONOCOPHILLIPS COM 20825C104   328,382 2,580 SH   OTR   2,580 0 0
ELI LILLY & CO COM 532457108   391,314 503 SH   SOLE   503 0 0
ELI LILLY & CO COM 532457108   30,340 39 SH   OTR   39 0 0
EXXON MOBIL CORP COM 30231G102   3,689,786 31,743 SH   SOLE   31,743 0 0
EXXON MOBIL CORP COM 30231G102   392,891 3,380 SH   OTR   3,380 0 0
FORD MTR CO DEL COM 345370860   147,767 11,127 SH   OTR   11,127 0 0
FORD MTR CO DEL COM 345370860   11,681 880 SH   SOLE   880 0 0
GALLAGHER ARTHUR J & CO COM 363576109   347,056 1,388 SH   OTR   1,388 0 0
GENERAL ELECTRIC CO COM NEW 369604301   7,372 42 SH   OTR   42 0 0
GENERAL ELECTRIC CO COM NEW 369604301   297,964 1,698 SH   SOLE   1,698 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   260,436 624 SH   SOLE   624 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   5,430 13 SH   OTR   13 0 0
HERSHEY CO COM 427866108   194,500 1,000 SH   SOLE   1,000 0 0
HERSHEY CO COM 427866108   23,535 121 SH   OTR   121 0 0
HOME DEPOT INC COM 437076102   340,253 887 SH   OTR   887 0 0
HOME DEPOT INC COM 437076102   425,654 1,110 SH   SOLE   1,110 0 0
ILLINOIS TOOL WKS INC COM 452308109   389,615 1,452 SH   SOLE   1,452 0 0
INTEL CORP COM 458140100   485,161 10,984 SH   SOLE   10,984 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   144,366 756 SH   OTR   756 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   224,760 1,177 SH   SOLE   1,177 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   935 29 SH   SOLE   29 0 0
ISHARES INC MSCI EMRG CHN 46434G764   393,318 6,832 SH   SOLE   6,832 0 0
ISHARES INC MSCI EMRG CHN 46434G764   553,651 9,617 SH   OTR   9,617 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   207,110 6,426 SH   OTR   6,426 0 0
ISHARES TR EAFE GRWTH ETF 464288885   548,945 5,289 SH   SOLE   5,289 0 0
ISHARES TR US INFRASTRUC 46435U713   236,919 5,464 SH   SOLE   5,464 0 0
ISHARES TR CORE S&P SCP ETF 464287804   398,314 3,604 SH   SOLE   3,604 0 0
ISHARES TR CORE DIV GRWTH 46434V621   563,008 9,697 SH   SOLE   9,697 0 0
ISHARES TR CORE S&P MCP ETF 464287507   167,642 2,760 SH   SOLE   2,760 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   10,713 102 SH   SOLE   102 0 0
ISHARES TR U.S. TECH ETF 464287721   260,579 1,929 SH   SOLE   1,929 0 0
ISHARES TR HDG MSCI EAFE 46434V803   262,053 7,513 SH   SOLE   7,513 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,076,780 11,595 SH   SOLE   11,595 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,405,276 2,673 SH   SOLE   2,673 0 0
ISHARES TR S&P 500 VAL ETF 464287408   2,544,366 13,620 SH   SOLE   13,620 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   3,531,966 10,479 SH   SOLE   10,479 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   13,707 164 SH   SOLE   164 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   58,630 510 SH   SOLE   510 0 0
ISHARES TR CORE TOTAL USD 46434V613   814,146 17,858 SH   SOLE   17,858 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,119,224 6,810 SH   SOLE   6,810 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,481,654 19,963 SH   SOLE   19,963 0 0
ISHARES TR CORE US AGGBD ET 464287226   347,295 3,546 SH   SOLE   3,546 0 0
ISHARES TR MSCI USA VALUE 46432F388   2,531 23 SH   SOLE   23 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   254,951 5,936 SH   SOLE   5,936 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   718,961 2,396 SH   SOLE   2,396 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   12,324 300 SH   SOLE   300 0 0
ISHARES TR MBS ETF 464288588   67,836 734 SH   SOLE   734 0 0
ISHARES TR 20 YR TR BD ETF 464287432   373,560 3,948 SH   SOLE   3,948 0 0
ISHARES TR EUROPE ETF 464287861   19,317 347 SH   SOLE   347 0 0
ISHARES TR S&P 100 ETF 464287101   377,300 1,525 SH   SOLE   1,525 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   5,192,098 61,489 SH   SOLE   61,489 0 0
ISHARES TR EAFE VALUE ETF 464288877   590,566 10,856 SH   SOLE   10,856 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   319,843 2,014 SH   SOLE   2,014 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   19,930 706 SH   SOLE   706 0 0
ISHARES TR SELECT DIVID ETF 464287168   793,649 6,443 SH   SOLE   6,443 0 0
ISHARES TR CORE S&P TTL STK 464287150   82,785 718 SH   OTR   718 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   1,403,793 49,727 SH   OTR   49,727 0 0
ISHARES TR MSCI USA VALUE 46432F388   389,699 3,598 SH   OTR   3,598 0 0
ISHARES TR EUROPE ETF 464287861   272,783 4,900 SH   OTR   4,900 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   618,613 3,764 SH   OTR   3,764 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   145,239 484 SH   OTR   484 0 0
ISHARES TR HDG MSCI EAFE 46434V803   82,247 2,358 SH   OTR   2,358 0 0
ISHARES TR US INFRASTRUC 46435U713   85,463 1,971 SH   OTR   1,971 0 0
ISHARES TR NATIONAL MUN ETF 464288414   924,176 8,589 SH   OTR   8,589 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   487,044 11,856 SH   OTR   11,856 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   190,209 1,811 SH   OTR   1,811 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,986,549 9,485 SH   OTR   9,485 0 0
ISHARES TR CORE S&P SCP ETF 464287804   205,125 1,856 SH   OTR   1,856 0 0
ISHARES TR 20 YR TR BD ETF 464287432   489,564 5,174 SH   OTR   5,174 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,334,111 11,605 SH   OTR   11,605 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   10,323 65 SH   OTR   65 0 0
ISHARES TR CORE US AGGBD ET 464287226   11,263 115 SH   OTR   115 0 0
ISHARES TR CORE MSCI EAFE 46432F842   42,380 571 SH   OTR   571 0 0
ISHARES TR EAFE GRWTH ETF 464288885   3,579,821 34,491 SH   OTR   34,491 0 0
ISHARES TR U.S. TECH ETF 464287721   1,695,678 12,555 SH   OTR   12,555 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   4,653,826 55,114 SH   OTR   55,114 0 0
ISHARES TR MBS ETF 464288588   332,250 3,595 SH   OTR   3,595 0 0
ISHARES TR CORE S&P MCP ETF 464287507   193,457 3,185 SH   OTR   3,185 0 0
ISHARES TR S&P 100 ETF 464287101   5,833,433 23,578 SH   OTR   23,578 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   683,183 8,174 SH   OTR   8,174 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   139,716 3,253 SH   OTR   3,253 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,997,133 36,712 SH   OTR   36,712 0 0
ISHARES TR CORE TOTAL USD 46434V613   1,066,806 23,400 SH   OTR   23,400 0 0
ISHARES TR S&P 500 VAL ETF 464287408   2,266,192 12,131 SH   OTR   12,131 0 0
ISHARES TR ESG MSCI LEADR 46435U218   6,837,723 72,858 SH   OTR   72,858 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   516,024 1,531 SH   OTR   1,531 0 0
ISHARES TR CORE S&P TTL STK 464287150   621,121 5,387 SH   SOLE   5,387 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   281,382 1,571 SH   OTR   1,571 0 0
JOHNSON & JOHNSON COM 478160104   1,134,478 7,172 SH   SOLE   7,172 0 0
JOHNSON & JOHNSON COM 478160104   283,477 1,792 SH   OTR   1,792 0 0
JPMORGAN CHASE & CO COM 46625H100   491,737 2,455 SH   OTR   2,455 0 0
JPMORGAN CHASE & CO COM 46625H100   1,182,785 5,905 SH   SOLE   5,905 0 0
KIMBERLY-CLARK CORP COM 494368103   426,967 3,301 SH   SOLE   3,301 0 0
KIMBERLY-CLARK CORP COM 494368103   5,045 39 SH   OTR   39 0 0
KROGER CO COM 501044101   1,878,195 32,876 SH   SOLE   32,876 0 0
LOCKHEED MARTIN CORP COM 539830109   132,367 291 SH   OTR   291 0 0
LOCKHEED MARTIN CORP COM 539830109   1,443,757 3,174 SH   SOLE   3,174 0 0
MCDONALDS CORP COM 580135101   194,264 689 SH   OTR   689 0 0
MCDONALDS CORP COM 580135101   743,293 2,636 SH   SOLE   2,636 0 0
MERCK & CO INC COM 58933Y105   290,290 2,200 SH   OTR   2,200 0 0
MERCK & CO INC COM 58933Y105   9,810,470 74,350 SH   SOLE   74,350 0 0
META PLATFORMS INC CL A 30303M102   11,654 24 SH   OTR   24 0 0
META PLATFORMS INC CL A 30303M102   560,846 1,155 SH   SOLE   1,155 0 0
METLIFE INC COM 59156R108   252,122 3,402 SH   OTR   3,402 0 0
MICROSOFT CORP COM 594918104   5,881,148 13,979 SH   SOLE   13,979 0 0
MICROSOFT CORP COM 594918104   503,181 1,196 SH   OTR   1,196 0 0
MID-AMER APT CMNTYS INC COM 59522J103   468,476 3,560 SH   SOLE   3,560 0 0
MID-AMER APT CMNTYS INC COM 59522J103   16,842 128 SH   OTR   128 0 0
MORGAN STANLEY COM NEW 617446448   872,615 9,267 SH   SOLE   9,267 0 0
MORGAN STANLEY COM NEW 617446448   4,049 43 SH   OTR   43 0 0
NEXTERA ENERGY INC COM 65339F101   727,296 11,380 SH   SOLE   11,380 0 0
NIKE INC CL B 654106103   138,433 1,473 SH   SOLE   1,473 0 0
NIKE INC CL B 654106103   105,540 1,123 SH   OTR   1,123 0 0
NORFOLK SOUTHN CORP COM 655844108   365,374 1,434 SH   SOLE   1,434 0 0
NORFOLK SOUTHN CORP COM 655844108   19,880 78 SH   OTR   78 0 0
NVIDIA CORPORATION COM 67066G104   1,244,468 1,377 SH   SOLE   1,377 0 0
NVIDIA CORPORATION COM 67066G104   37,046 41 SH   OTR   41 0 0
ORACLE CORP COM 68389X105   105,136 837 SH   OTR   837 0 0
ORACLE CORP COM 68389X105   156,133 1,243 SH   SOLE   1,243 0 0
PFIZER INC COM 717081103   163,503 5,892 SH   OTR   5,892 0 0
PFIZER INC COM 717081103   170,607 6,148 SH   SOLE   6,148 0 0
PHILIP MORRIS INTL INC COM 718172109   172,062 1,878 SH   SOLE   1,878 0 0
PHILIP MORRIS INTL INC COM 718172109   206,145 2,250 SH   OTR   2,250 0 0
PROCTER AND GAMBLE CO COM 742718109   379,016 2,336 SH   OTR   2,336 0 0
PROCTER AND GAMBLE CO COM 742718109   540,902 3,334 SH   SOLE   3,334 0 0
PRUDENTIAL FINL INC COM 744320102   260,276 2,217 SH   OTR   2,217 0 0
PRUDENTIAL FINL INC COM 744320102   21,132 180 SH   SOLE   180 0 0
QUALCOMM INC COM 747525103   53,160 314 SH   SOLE   314 0 0
QUALCOMM INC COM 747525103   227,708 1,345 SH   OTR   1,345 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   464,551 5,762 SH   SOLE   5,762 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   77,647 963 SH   OTR   963 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,183,948 25,738 SH   OTR   25,738 0 0
SHELL PLC SPON ADS 780259305   654,579 9,764 SH   SOLE   9,764 0 0
SOUTHERN CO COM 842587107   196,281 2,736 SH   OTR   2,736 0 0
SOUTHERN CO COM 842587107   366,886 5,114 SH   SOLE   5,114 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   367,928 925 SH   SOLE   925 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,059,321 5,849 SH   SOLE   5,849 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   67,476 129 SH   OTR   129 0 0
TEXAS INSTRS INC COM 882508104   205,568 1,180 SH   SOLE   1,180 0 0
VALLEY NATL BANCORP COM 919794107   106,178 13,339 SH   SOLE   13,339 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,109,936 2,309 SH   SOLE   2,309 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   340,986 991 SH   SOLE   991 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   381,374 1,108 SH   OTR   1,108 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   39,721 785 SH   SOLE   785 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,544,869 30,531 SH   OTR   30,531 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,609,135 19,764 SH   SOLE   19,764 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   755,092 4,135 SH   OTR   4,135 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   61,408 1,224 SH   OTR   1,224 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   551,494 10,993 SH   SOLE   10,993 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,076,998 8,902 SH   SOLE   8,902 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   89,775 742 SH   OTR   742 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   1,010,682 1,928 SH   SOLE   1,928 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   294,679 562 SH   OTR   562 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   232,668 5,545 SH   OTR   5,545 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   394,385 9,399 SH   SOLE   9,399 0 0
WALMART INC COM 931142103   208,730 3,469 SH   OTR   3,469 0 0
WALMART INC COM 931142103   569,208 9,460 SH   SOLE   9,460 0 0