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
3M CO COM 88579Y101 BBG001S5T7X2 204,380 2,000 SH   SOLE   0 0 2,000
3M CO COM 88579Y101 BBG001S5T7X2 53,650 525 SH   OTR 3 0 0 525
ABBOTT LABS COM 002824100 BBG001S5N9M6 318,069 3,061 SH   OTR 1,2,3 0 0 3,061
ABBOTT LABS COM 002824100 BBG001S5N9M6 519,550 5,000 SH   SOLE   0 0 5,000
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 857,600 5,000 SH   SOLE   0 0 5,000
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 418,852 2,442 SH   OTR 1,2,3 0 0 2,442
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 260,023 857 SH   OTR 1,2 0 0 857
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 355,240 2,190 SH   OTR 2,3 0 0 2,190
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 516,100 2,000 SH   SOLE   0 0 2,000
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 244,428 1,612 SH   OTR 2,3 0 0 1,612
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 944,504 6,229 SH   SOLE   0 0 6,229
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 51,002 280 SH   SOLE   0 0 280
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 836,069 4,590 SH   OTR 3 0 0 4,590
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 986,800 5,380 SH   OTR 1,2,3 0 0 5,380
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,087,100 10,800 SH   SOLE   0 0 10,800
AMAZON COM INC COM 023135106 BBG001S5PQL7 703,044 3,638 SH   OTR 1,2,3 0 0 3,638
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 115,775 500 SH   SOLE   0 0 500
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 144,256 623 SH   OTR 1 0 0 623
APPLE INC COM 037833100 BBG001S5N8V8 2,070,395 9,830 SH   OTR 3 0 0 9,830
APPLE INC COM 037833100 BBG001S5N8V8 3,519,461 16,710 SH   SOLE   0 0 16,710
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 BBG0068KVVC7 246,435 1,849 SH   OTR 2 0 0 1,849
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 359,116 351 SH   OTR 1,3 0 0 351
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 143,214 600 SH   SOLE   0 0 600
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 302,296 1,266 SH   OTR 1,2 0 0 1,266
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 242,757 6,104 SH   OTR 1,3 0 0 6,104
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 26,249 660 SH   SOLE   0 0 660
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 41,901 103 SH   OTR 2 0 0 103
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 341,712 840 SH   SOLE   0 0 840
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 264,915 3,440 SH   OTR 3 0 0 3,440
BROADCOM INC COM 11135F101 BBG00KHY5SY8 2,921,205 1,819 SH   OTR 1,2,3 0 0 1,819
CANADIAN NATL RY CO COM 136375102 BBG001S8WVQ7 157,940 1,337 SH   OTR 1,2 0 0 1,337
CANADIAN NATL RY CO COM 136375102 BBG001S8WVQ7 70,878 600 SH   SOLE   0 0 600
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 6,939 110 SH   SOLE   0 0 110
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 235,541 3,734 SH   OTR 2,3 0 0 3,734
CHECK POINT SOFTWARE TECH LT ORD M22465104 BBG001SB85K0 284,625 1,725 SH   OTR 3 0 0 1,725
D R HORTON INC COM 23331A109 BBG001S8M692 210,268 1,492 SH   OTR 2 0 0 1,492
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 275,269 1,996 SH   OTR 2 0 0 1,996
EATON CORP PLC SHS G29183103 BBG001S5QZ45 204,749 653 SH   OTR 2 0 0 653
ECOLAB INC COM 278865100 BBG001S5QRB5 185,640 780 SH   OTR 3 0 0 780
ECOLAB INC COM 278865100 BBG001S5QRB5 119,000 500 SH   SOLE   0 0 500
ELI LILLY & CO COM 532457108 BBG001S5STL8 495,243 547 SH   OTR 1,2 0 0 547
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 238,607 2,166 SH   OTR 1,3 0 0 2,166
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 264,384 2,400 SH   SOLE   0 0 2,400
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 253,264 2,200 SH   SOLE   0 0 2,200
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 260,747 2,265 SH   OTR 1,2 0 0 2,265
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 202,592 2,600 SH   OTR 3 0 0 2,600
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 288,400 994 SH   OTR 1 0 0 994
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 272,749 603 SH   OTR 2,3 0 0 603
HUBBELL INC COM 443510607 BBG001S5S1L9 28,142 77 SH   OTR 2 0 0 77
HUBBELL INC COM 443510607 BBG001S5S1L9 255,836 700 SH   SOLE   0 0 700
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 201,175 849 SH   OTR 1,3 0 0 849
INTUIT COM 461202103 BBG001S6TWR2 402,213 612 SH   OTR 2,3 0 0 612
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,109,619 2,316 SH   SOLE   0 0 2,316
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 224,703 469 SH   OTR 2 0 0 469
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 283,196 4,150 SH   OTR 1 0 0 4,150
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 22,178 325 SH   SOLE   0 0 325
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 90,706 1,550 SH   OTR 3 0 0 1,550
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 409,640 7,000 SH   SOLE   0 0 7,000
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,385,923 4,360 SH   OTR 3 0 0 4,360
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 434,500 5,000 SH   SOLE   0 0 5,000
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 4,374,120 12,000 SH   OTR 1 0 0 12,000
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,606,612 7,151 SH   SOLE   0 0 7,151
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,500,966 8,603 SH   SOLE   0 0 8,603
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 132,980 655 SH   OTR 1 0 0 655
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 722,289 3,560 SH   SOLE   0 0 3,560
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 687,180 2,600 SH   OTR 1 0 0 2,600
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 87,112 596 SH   SOLE   0 0 596
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 323,306 2,212 SH   OTR 1,3 0 0 2,212
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 348,090 1,721 SH   OTR 1,3 0 0 1,721
LOWES COS INC COM 548661107 BBG001S5SVL3 210,760 956 SH   OTR 1,2 0 0 956
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 250,138 567 SH   OTR 2 0 0 567
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 243,844 3,098 SH   OTR 1,3 0 0 3,098
MERCK & CO INC COM 58933Y105 BBG001S5TC52 527,760 4,263 SH   OTR 1,2,3 0 0 4,263
MICROSOFT CORP COM 594918104 BBG001S5TD05 697,242 1,560 SH   SOLE   0 0 1,560
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,214,410 2,717 SH   OTR 1,2,3 0 0 2,717
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 135,200 2,066 SH   OTR 1,3 0 0 2,066
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 81,800 1,250 SH   SOLE   0 0 1,250
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 200,115 2,059 SH   OTR 1,2 0 0 2,059
NIKE INC CL B 654106103 BBG001S6NTK2 339,659 4,507 SH   OTR 1,2,3 0 0 4,507
NIKE INC CL B 654106103 BBG001S6NTK2 37,685 500 SH   SOLE   0 0 500
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,163,747 9,420 SH   OTR 2,3 0 0 9,420
ONEOK INC NEW COM 682680103 BBG001S5TWK1 217,576 2,668 SH   OTR 1,2 0 0 2,668
ORACLE CORP COM 68389X105 BBG001S5SJG6 608,572 4,310 SH   OTR 2,3 0 0 4,310
PEPSICO INC COM 713448108 BBG001S695T1 115,451 700 SH   SOLE   0 0 700
PEPSICO INC COM 713448108 BBG001S695T1 108,218 656 SH   OTR 1,2,3 0 0 656
PFIZER INC COM 717081103 BBG001S5V466 195,077 6,972 SH   SOLE   0 0 6,972
PFIZER INC COM 717081103 BBG001S5V466 30,303 1,083 SH   OTR 1 0 0 1,083
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 164,920 1,000 SH   SOLE   0 0 1,000
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 162,447 985 SH   OTR 1 0 0 985
SALESFORCE INC COM 79466L302 BBG001SDLP09 274,326 1,067 SH   OTR 2,3 0 0 1,067
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,083,818 78,457 SH   SOLE   0 0 78,457
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 2,525,584 32,450 SH   SOLE   0 0 32,450
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,832,899 38,628 SH   SOLE   0 0 38,628
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 374,101 9,100 SH   OTR 3 0 0 9,100
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 816,267 10,659 SH   SOLE   0 0 10,659
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 807,747 5,542 SH   SOLE   0 0 5,542
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 617,079 2,870 SH   OTR 1 0 0 2,870
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 4,220,861 120,321 SH   SOLE   0 0 120,321
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,034,850 5,577 SH   OTR 1,2,3 0 0 5,577
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 486,533 894 SH   SOLE   0 0 894
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 524,247 5,712 SH   OTR 1 0 0 5,712
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 327,134 11,675 SH   OTR 1 0 0 11,675
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 248,549 1,430 SH   OTR 1,2 0 0 1,430
TERADYNE INC COM 880770102 BBG001S5WMZ3 268,405 1,810 SH   OTR 3 0 0 1,810
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 107,187 551 SH   OTR 1,2 0 0 551
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 167,296 860 SH   SOLE   0 0 860
TJX COS INC NEW COM 872540109 BBG001S5WQ93 187,170 1,700 SH   SOLE   0 0 1,700
TJX COS INC NEW COM 872540109 BBG001S5WQ93 176,931 1,607 SH   OTR 1,2 0 0 1,607
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 462,899 6,369 SH   SOLE   0 0 6,369
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 267,419 525 SH   OTR 1,2 0 0 525
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 338,876 6,561 SH   OTR 1 0 0 6,561
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,646,457 10,945 SH   SOLE   0 0 10,945
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 18,486,814 69,107 SH   SOLE   0 0 69,107
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,671,938 35,359 SH   SOLE   0 0 35,359
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 2,935,503 18,300 SH   OTR 1 0 0 18,300
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 445,477 10,180 SH   SOLE   0 0 10,180
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 975,848 22,300 SH   OTR 1,3 0 0 22,300
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 683,058 10,230 SH   SOLE   0 0 10,230
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 173,602 2,600 SH   OTR 1 0 0 2,600
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 337,065 4,217 SH   OTR 1 0 0 4,217
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 2,028,496 11,112 SH   SOLE   0 0 11,112
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,498,936 70,800 SH   OTR 1 0 0 70,800
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 524,544 10,614 SH   SOLE   0 0 10,614
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 6,301,553 10,929 SH   SOLE   0 0 10,929
WALMART INC COM 931142103 BBG001S5XH92 482,841 7,131 SH   OTR 1,3 0 0 7,131
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 213,340 1,000 SH   SOLE   0 0 1,000
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 164,867 773 SH   OTR 1,3 0 0 773
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 214,358 1,900 SH   OTR 1 0 0 1,900
ZOETIS INC CL A 98978V103 BBG0039320P7 107,657 621 SH   SOLE   0 0 621
ZOETIS INC CL A 98978V103 BBG0039320P7 398,902 2,301 SH   OTR 2,3 0 0 2,301