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 Common Stock 00287Y109   90,503 497 SH   OTR 1 0 0 497
ACCENTURE PLC IRELAND SHS CLASS A Common Stock G1151C101   65,509 189 SH   OTR 1 0 0 189
ADOBE INC COM Common Stock 00724F101   82,249 163 SH   OTR 1 0 0 163
ADVISORSHARES PURE US CANNABIS ETF Exchange Traded Fund 00768Y453   500 50 SH   SOLE 0 0 0 50
ALIBABA GROUP HLDG LTD SPONSORED ADS American Depository Receipt 01609W102   1,736 24 SH   SOLE 0 0 0 24
ALPHABET INC CAP STK CL A Common Stock 02079K305   214,773 1,423 SH   OTR 1 0 0 1,423
AMAZON COM INC COM Common Stock 023135106   178,936 992 SH   OTR 1 0 0 992
AMERICAN EXPRESS CO COM Common Stock 025816109   94,719 416 SH   OTR 1 0 0 416
APPLE INC COM Common Stock 037833100   215,454 1,256 SH   OTR 1 0 0 1,256
ARK AUTONOMOUS TECHNOLOGY & ROBOTICS ETF Exchange Traded Fund 00214Q203   2,757 50 SH   SOLE 0 0 0 50
ARK FINTECH INNOVATION ETF Exchange Traded Fund 00214Q708   3,033 100 SH   SOLE 0 0 0 100
ARK INNOVATION ETF Exchange Traded Fund 00214Q104   78,100 1,559 SH   SOLE 0 0 0 1,560
ARK NEXT GENERATION INTERNET ETF Exchange Traded Fund 00214Q401   2,140 25 SH   SOLE 0 0 0 26
ATLANTIC PWR & INFRASTRU Common Stock 04879A107   1 31 SH   SOLE 0 0 0 31
AUTOLIV INC COM Common Stock 052800109   2,529 21 SH   OTR 1 0 0 21
BANK NEW YORK MELLON CORP COM Common Stock 064058100   91,788 1,593 SH   OTR 1 0 0 1,593
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702   1,261 3 SH   SOLE 0 0 0 3
BLACKROCK FLEXIBLE INCOME ETF Exchange Traded Fund 092528603   2,498,879 47,634 SH   SOLE 0 0 0 47,634
BLACKROCK U.S. EQUITY FACTOR ROTATION ETF Exchange Traded Fund 09290C103   8,759,976 197,296 SH   SOLE 0 0 0 197,297
BOEING CO COM Common Stock 097023105   5,789 30 SH   SOLE 0 0 0 30
BOSTON SCIENTIFIC CORP COM Common Stock 101137107   61,230 894 SH   OTR 1 0 0 894
BRISTOL-MYERS SQUIBB CO COM Common Stock 110122108   51,355 947 SH   OTR 1 0 0 947
BROADCOM INC COM Common Stock 11135F101   138,388 104 SH   OTR 1 0 0 104
CADENCE DESIGN SYSTEM INC COM Common Stock 127387108   3,112 10 SH   OTR 1 0 0 10
CATERPILLAR INC COM Common Stock 149123101   96,004 262 SH   OTR 1 0 0 262
CENTERPOINT ENERGY INC COM Common Stock 15189T107   49,002 1,720 SH   OTR 1 0 0 1,720
CISCO SYS INC COM Common Stock 17275R102   2,345 47 SH   OTR 1 0 0 47
COMCAST CORP NEW CL A Common Stock 20030N101   66,152 1,526 SH   OTR 1 0 0 1,526
CROWDSTRIKE HLDGS INC CL A Common Stock 22788C105   99,382 310 SH   OTR 1 0 0 310
CSX CORP COM Common Stock 126408103   2,335 63 SH   OTR 1 0 0 63
CVS HEALTH CORP COM Common Stock 126650100   2,552 32 SH   OTR 1 0 0 32
DELL TECHNOLOGIES INC CL C Common Stock 24703L202   175,044 1,534 SH   OTR 1 0 0 1,534
DIAMONDBACK ENERGY INC COM Common Stock 25278X109   54,893 277 SH   OTR 1 0 0 277
DIMENSIONAL CORE FIXED INCOME ETF Exchange Traded Fund 25434V872   3,055,239 72,830 SH   SOLE 0 0 0 72,831
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF Exchange Traded Fund 25434V302   1,403,106 56,759 SH   SOLE 0 0 0 56,760
DIMENSIONAL GLOBAL REAL ESTATE ETF Exchange Traded Fund 25434V658   344,961 13,512 SH   SOLE 0 0 0 13,512
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF Exchange Traded Fund 25434V203   3,510,948 116,179 SH   SOLE 0 0 0 116,180
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF Exchange Traded Fund 25434V864   4,641,309 98,667 SH   SOLE 0 0 0 98,667
DIMENSIONAL US CORE EQUITY MARKET ETF Exchange Traded Fund 25434V104   12,484,831 341,675 SH   SOLE 0 0 0 341,676
DROPBOX INC CL A Common Stock 26210C104   1,190 49 SH   SOLE 0 0 0 49
ELEVANCE HEALTH INC COM Common Stock 036752103   2,592 5 SH   OTR 1 0 0 5
ELI LILLY & CO COM Common Stock 532457108   74,684 96 SH   OTR 1 0 0 96
FIRST REP BK SAN FRANCISCO CAL COM Common Stock 33616C100   2 65 SH   SOLE 0 0 0 65
FISERV INC COM Common Stock 337738108   68,402 428 SH   OTR 1 0 0 428
FORTREA HLDGS INC COMMON STOCK Common Stock 34965K107   160 4 SH   SOLE 0 0 0 4
GAMING & LEISURE PPTYS INC COM Real Estate Investment Trust 36467J108   39,571 845 SH   OTR 1 0 0 845
GENERAL MLS INC COM Common Stock 370334104   2,588 37 SH   OTR 1 0 0 37
GOLDMAN SACHS GROUP INC COM Common Stock 38141G104   11,759 28 SH   SOLE 0 0 0 28
GRAPHIC PACKAGING HLDG CO COM Common Stock 388689101   68,368 2,335 SH   OTR 1 0 0 2,335
HANNON ARMSTRONG SUST INFR CAP COM Real Estate Investment Trust 41068X100   2,044 72 SH   OTR 1 0 0 72
HOME DEPOT INC COM Common Stock 437076102   3,068 8 SH   OTR 1 0 0 8
HOWMET AEROSPACE INC COM Common Stock 443201108   2,668 39 SH   OTR 1 0 0 39
HUNTINGTON INGALLS INDS INC COM Common Stock 446413106   58,585 201 SH   OTR 1 0 0 201
INTERACTIVE BROKERS GROUP INC COM CL A Common Stock 45841N107   100,315 898 SH   OTR 1 0 0 898
INVESCO S&P 500 EQUAL WEIGHT ETF Exchange Traded Fund 46137V357   6,436 38 SH   SOLE 0 0 0 38
IQVIA HLDGS INC COM Common Stock 46266C105   84,465 334 SH   OTR 1 0 0 334
IRON MTN INC DEL COM Real Estate Investment Trust 46284V101   82,558 1,021 SH   OTR 1 0 0 1,021
ISHARES 20 YEAR TREASURY BOND ETF Exchange Traded Fund 464287432   3,239,326 34,235 SH   SOLE 0 0 0 34,235
ISHARES CONVERTIBLE BOND ETF Exchange Traded Fund 46435G102   447,526 5,606 SH   SOLE 0 0 0 5,606
ISHARES CORE AGGRESSIVE ALLOCATION ETF Exchange Traded Fund 464289859   203,998 2,777 SH   SOLE 0 0 0 2,777
ISHARES CORE CONSERVATIVE ALLOCATION ETF Exchange Traded Fund 464289883   122,148 3,317 SH   SOLE 0 0 0 3,317
ISHARES CORE GROWTH ALLOCATION ETF Exchange Traded Fund 464289867   58,843 1,057 SH   SOLE 0 0 0 1,057
ISHARES CORE MODERATE ALLOCATION ETF Exchange Traded Fund 464289875   336,293 7,861 SH   SOLE 0 0 0 7,861
ISHARES CORE MSCI EMERGING MARKETS ETF Exchange Traded Fund 46434G103   1,184,502 22,955 SH   SOLE 0 0 0 22,955
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200   29,821,778 56,724 SH   SOLE 0 0 0 56,725
ISHARES CORE TOTAL USD BOND MARKET ETF Exchange Traded Fund 46434V613   23,773,949 521,472 SH   SOLE 0 0 0 521,473
ISHARES CURRENCY HEDGED MSCI EAFE ETF Exchange Traded Fund 46434V803   2,583,352 74,064 SH   SOLE 0 0 0 74,064
ISHARES GLOBAL ENERGY ETF Exchange Traded Fund 464287341   1,039,108 24,193 SH   SOLE 0 0 0 24,193
ISHARES GLOBAL TECH ETF Exchange Traded Fund 464287291   37,255 498 SH   SOLE 0 0 0 498
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF Exchange Traded Fund 464287242   1,097,369 10,075 SH   SOLE 0 0 0 10,075
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF Exchange Traded Fund 464288281   1,276,721 14,238 SH   SOLE 0 0 0 14,238
ISHARES MBS ETF Exchange Traded Fund 464288588   6,091,991 65,916 SH   SOLE 0 0 0 65,916
ISHARES MSCI EAFE GROWTH ETF Exchange Traded Fund 464288885   5,013,126 48,300 SH   SOLE 0 0 0 48,301
ISHARES MSCI EAFE VALUE ETF Exchange Traded Fund 464288877   4,901,923 90,108 SH   SOLE 0 0 0 90,109
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Exchange Traded Fund 46434G764   2,785,056 48,376 SH   SOLE 0 0 0 48,377
ISHARES MSCI USA MIN VOL FACTOR ETF Exchange Traded Fund 46429B697   5,349 64 SH   SOLE 0 0 0 64
ISHARES MSCI USA QUALITY FACTOR ETF Exchange Traded Fund 46432F339   8,775,192 53,393 SH   SOLE 0 0 0 53,393
ISHARES RUSSELL 2000 ETF Exchange Traded Fund 464287655   10,515 50 SH   SOLE 0 0 0 50
ISHARES S&P 500 GROWTH ETF Exchange Traded Fund 464287309   6,421,239 76,045 SH   SOLE 0 0 0 76,045
ISHARES S&P 500 VALUE ETF Exchange Traded Fund 464287408   5,262,153 28,168 SH   SOLE 0 0 0 28,168
ISHARES SELF-DRIVING EV & TECH ETF Exchange Traded Fund 46435U366   1,571 50 SH   SOLE 0 0 0 50
ISHARES SEMICONDUCTOR ETF Exchange Traded Fund 464287523   470,365 2,082 SH   SOLE 0 0 0 2,082
ISHARES TIPS BOND ETF Exchange Traded Fund 464287176   777,111 7,235 SH   SOLE 0 0 0 7,235
ISHARES TREASURY FLOATING RATE BOND ETF Exchange Traded Fund 46434V860   2,889 57 SH   SOLE 0 0 0 57
ISHARES U.S. INFRASTRUCTURE ETF Exchange Traded Fund 46435U713   1,075,086 24,794 SH   SOLE 0 0 0 24,794
ISHARES U.S. TECH INDEPENDENCE FOCUSED ETF Exchange Traded Fund 46431W648   414,036 5,847 SH   SOLE 0 0 0 5,848
ISHARES U.S. TECHNOLOGY ETF Exchange Traded Fund 464287721   3,738,669 27,681 SH   SOLE 0 0 0 27,682
ISHARES U.S. TREASURY BOND ETF Exchange Traded Fund 46429B267   892,743 39,207 SH   SOLE 0 0 0 39,207
JOHNSON CTLS INTL PLC SHS Common Stock G51502105   2,678 41 SH   OTR 1 0 0 41
JPMORGAN CHASE & CO COM Common Stock 46625H100   85,596 427 SH   OTR 1 0 0 427
KALEIDO BIOSCIENCES INC COM Common Stock 483347100   0 2,300 SH   SOLE 0 0 0 2,300
KIMBERLY-CLARK CORP COM Common Stock 494368103   72,824 563 SH   OTR 1 0 0 563
KRAFT HEINZ CO COM Common Stock 500754106   2,391 64 SH   SOLE 0 0 0 64
KRATOS DEFENSE & SEC SOLUTIONS COM NEW Common Stock 50077B207   5,973 325 SH   SOLE 0 0 0 325
KROGER CO COM Common Stock 501044101   78,496 1,374 SH   OTR 1 0 0 1,374
LABORATORY CORP AMER HLDGS COM NEW Common Stock 50540R409   873 4 SH   SOLE 0 0 0 4
LINCOLN ELEC HLDGS INC COM Common Stock 533900106   103,228 403 SH   OTR 1 0 0 403
LINDE PLC SHS Common Stock G54950103   61,290 132 SH   OTR 1 0 0 132
LULULEMON ATHLETICA INC COM Common Stock 550021109   67,191 172 SH   OTR 1 0 0 172
MARATHON PETE CORP COM Common Stock 56585A102   77,980 387 SH   OTR 1 0 0 387
MARRIOTT INTL INC NEW CL A Common Stock 571903202   89,754 355 SH   OTR 1 0 0 355
MCKESSON CORP COM Common Stock 58155Q103   105,362 196 SH   OTR 1 0 0 196
MERCK & CO INC COM Common Stock 58933Y105   96,487 727 SH   OTR 1 0 0 727
META PLATFORMS INC CL A Common Stock 30303M102   134,520 277 SH   OTR 1 0 0 277
MICROSOFT CORP COM Common Stock 594918104   210,780 501 SH   OTR 1 0 0 501
MONDELEZ INTL INC CL A Common Stock 609207105   66,199 940 SH   OTR 1 0 0 940
NEXTERA ENERGY INC COM Common Stock 65339F101   59,052 924 SH   OTR 1 0 0 924
NORFOLK SOUTHN CORP COM Common Stock 655844108   68,305 268 SH   OTR 1 0 0 268
NVENT ELECTRIC PLC SHS Common Stock G6700G107   2,563 34 SH   OTR 1 0 0 34
NVIDIA CORPORATION COM Common Stock 67066G104   199,715 221 SH   OTR 1 0 0 221
ORACLE CORP COM Common Stock 68389X105   95,966 764 SH   OTR 1 0 0 764
PALANTIR TECHNOLOGIES INC CL A Common Stock 69608A108   15,853 689 SH   SOLE 0 0 0 689
PALO ALTO NETWORKS INC COM Common Stock 697435105   5,114 18 SH   SOLE 0 0 0 18
PARKER-HANNIFIN CORP COM Common Stock 701094104   118,383 213 SH   OTR 1 0 0 213
PENN ENTERTAINMENT INC COM Common Stock 707569109   4,825 265 SH   SOLE 0 0 0 265
PIONEER NAT RES CO COM Common Stock 723787107   75,862 289 SH   OTR 1 0 0 289
PORTLAND GEN ELEC CO COM NEW Common Stock 736508847   1,401 33 SH   OTR 1 0 0 33
PROCTER AND GAMBLE CO COM Common Stock 742718109   6,976 43 SH   SOLE 0 0 0 43
PROSHARES BITCOIN STRATEGY ETF Exchange Traded Fund 74347G440   19,186 594 SH   SOLE 0 0 0 594
PRUDENTIAL FINL INC COM Common Stock 744320102   7,631 65 SH   SOLE 0 0 0 65
PULTE GROUP INC COM Common Stock 745867101   113,624 942 SH   OTR 1 0 0 942
REINSURANCE GRP OF AMERICA INC COM NEW Common Stock 759351604   51,306 266 SH   OTR 1 0 0 266
RESTAURANT BRANDS INTL INC COM Common Stock 76131D103   79,869 998 SH   OTR 1 0 0 998
RIVIAN AUTOMOTIVE INC COM CL A Common Stock 76954A103   438 40 SH   SOLE 0 0 0 40
ROBLOX CORP CL A Common Stock 771049103   954 25 SH   SOLE 0 0 0 25
SALESFORCE INC COM Common Stock 79466L302   98,013 325 SH   OTR 1 0 0 325
SCHWAB CHARLES CORP COM Common Stock 808513105   3,679 50 SH   SOLE 0 0 0 51
SERVICENOW INC COM Common Stock 81762P102   75,477 99 SH   OTR 1 0 0 99
SHORE BANCSHARES INC COM Common Stock 825107105   11,500 1,000 SH   SOLE 0 0 0 1,000
SNOWFLAKE INC CL A Common Stock 833445109   2,908 18 SH   SOLE 0 0 0 18
SPDR PORTFOLIO AGGREGATE BOND ETF Exchange Traded Fund 78464A649   173,875 6,878 SH   SOLE 0 0 0 6,878
SPDR PORTFOLIO S&P 500 ETF Exchange Traded Fund 78464A854   7,691 125 SH   SOLE 0 0 0 125
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   224,861 429 SH   SOLE 0 0 0 430
STAG INDL INC COM Real Estate Investment Trust 85254J102   1,234 32 SH   OTR 1 0 0 32
SYNOPSYS INC COM Common Stock 871607107   26,289 46 SH   OTR 1 0 0 46
SYSCO CORP COM Common Stock 871829107   79,312 977 SH   OTR 1 0 0 977
TAPESTRY INC COM Common Stock 876030107   3,181 67 SH   OTR 1 0 0 67
TE CONNECTIVITY LTD SHS Common Stock H84989104   2,614 18 SH   OTR 1 0 0 18
TESLA INC COM Common Stock 88160R101   171,395 975 SH   SOLE 0 0 0 975
THE CIGNA GROUP COM Common Stock 125523100   2,905 8 SH   OTR 1 0 0 8
T-MOBILE US INC COM Common Stock 872590104   65,614 402 SH   OTR 1 0 0 402
UNITEDHEALTH GROUP INC COM Common Stock 91324P102   79,646 161 SH   OTR 1 0 0 161
VANECK RARE EARTH/STRATEGIC METALS ETF Exchange Traded Fund 92189H805   4,416 86 SH   SOLE 0 0 0 86
VANGUARD CONSUMER DISCRETIONARY ETF Exchange Traded Fund 92204A108   230,354 725 SH   SOLE 0 0 0 725
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   283,410 1,552 SH   SOLE 0 0 0 1,552
VANGUARD FTSE DEVELOPED MARKETS ETF Exchange Traded Fund 921943858   21,527,203 429,085 SH   SOLE 0 0 0 429,085
VANGUARD FTSE EMERGING MARKETS ETF Exchange Traded Fund 922042858   7,103,272 170,056 SH   SOLE 0 0 0 170,057
VANGUARD GROWTH ETF Exchange Traded Fund 922908736   20,948,990 60,862 SH   SOLE 0 0 0 60,863
VANGUARD HEALTH CARE ETF Exchange Traded Fund 92204A504   10,550 39 SH   SOLE 0 0 0 39
VANGUARD HIGH DIVIDEND YIELD INDEX ETF Exchange Traded Fund 921946406   66,060 546 SH   SOLE 0 0 0 546
VANGUARD INFORMATION TECHNOLOGY ETF Exchange Traded Fund 92204A702   1,308,228 2,495 SH   SOLE 0 0 0 2,495
VANGUARD INTERMEDIATE-TERM BOND ETF Exchange Traded Fund 921937819   6,556,763 86,959 SH   SOLE 0 0 0 86,960
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF Exchange Traded Fund 921946794   42,862 623 SH   SOLE 0 0 0 623
VANGUARD LONG-TERM BOND ETF Exchange Traded Fund 921937793   6,895,237 95,330 SH   SOLE 0 0 0 95,330
VANGUARD MORTGAGE-BACKED SECURITIES ETF Exchange Traded Fund 92206C771   7,029,329 154,118 SH   SOLE 0 0 0 154,118
VANGUARD RUSSELL 3000 ETF Exchange Traded Fund 92206C599   3,727 16 SH   SOLE 0 0 0 16
VANGUARD S&P 500 ETF Exchange Traded Fund 922908363   3,845 8 SH   SOLE 0 0 0 8
VANGUARD SHORT-TERM BOND ETF Exchange Traded Fund 921937827   13,611,766 177,537 SH   SOLE 0 0 0 177,537
VANGUARD SMALL-CAP ETF Exchange Traded Fund 922908751   5,339,122 23,356 SH   SOLE 0 0 0 23,357
VANGUARD TOTAL BOND MARKET ETF Exchange Traded Fund 921937835   10,313 142 SH   SOLE 0 0 0 142
VANGUARD TOTAL CORPORATE BOND ETF Exchange Traded Fund 92206C573   30,724 401 SH   SOLE 0 0 0 401
VANGUARD TOTAL INTERNATIONAL BOND ETF Exchange Traded Fund 92203J407   14,751,913 299,896 SH   SOLE 0 0 0 299,897
VANGUARD TOTAL INTERNATIONAL STOCK ETF Exchange Traded Fund 921909768   14,291 237 SH   SOLE 0 0 0 237
VANGUARD TOTAL STOCK MARKET ETF Exchange Traded Fund 922908769   90,718 349 SH   SOLE 0 0 0 349
VANGUARD VALUE ETF Exchange Traded Fund 922908744   18,032,677 110,725 SH   SOLE 0 0 0 110,725
VISA INC COM CL A Common Stock 92826C839   98,794 354 SH   OTR 1 0 0 354
WATERS CORP COM Common Stock 941848103   2,065 6 SH   OTR 1 0 0 6
WEATHERFORD INTL PLC ORD SHS Common Stock G48833118   1,846 16 SH   OTR 1 0 0 16
WEBSTER FINL CORP COM Common Stock 947890109   2,792 55 SH   OTR 1 0 0 55
WELLS FARGO CO NEW COM Common Stock 949746101   89,838 1,550 SH   OTR 1 0 0 1,550
WORKDAY INC CL A Common Stock 98138H101   78,279 287 SH   OTR 1 0 0 287
ZOETIS INC CL A Common Stock 98978V103   2,199 13 SH   OTR 1 0 0 13