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
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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   426,439 4,555 SH   OTR   0 0 4,555
ABBOTT LABS COM 002824100   1,882,861 19,441 SH   OTR   0 0 19,441
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   281,313 916 SH   OTR   0 0 916
ALLSTATE CORP COM 020002101   257,546 2,312 SH   OTR   0 0 2,312
ALPHABET INC CAP STK CL C 02079K107   3,601,219 27,313 SH   OTR   0 0 27,313
ALPHABET INC CAP STK CL A 02079K305   214,610 1,640 SH   OTR   0 0 1,640
AMAZON COM INC COM 023135106   607,761 4,781 SH   OTR   0 0 4,781
AMERICAN TOWER CORP NEW COM 03027X100   275,454 1,675 SH   OTR   0 0 1,675
ANALOG DEVICES INC COM 032654105   1,123,377 6,416 SH   OTR   0 0 6,416
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   264,887 4,790 SH   OTR   0 0 4,790
APPLE INC COM 037833100   11,899,253 69,501 SH   OTR   0 0 69,501
AT&T INC COM 00206R102   168,615 11,226 SH   OTR   0 0 11,226
AUTOLIV INC COM 052800109   398,462 4,130 SH   OTR   0 0 4,130
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,581,361 7,369 SH   OTR   0 0 7,369
BLOCK H & R INC COM 093671105   215,300 5,000 SH   OTR   0 0 5,000
BOEING CO COM 097023105   244,200 1,274 SH   OTR   0 0 1,274
BRISTOL-MYERS SQUIBB CO COM 110122108   551,380 9,500 SH   OTR   0 0 9,500
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   396,900 13,500 SH   OTR   0 0 13,500
CAMTEK LTD ORD M20791105   236,837 3,804 SH   OTR   0 0 3,804
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   425,887 19,590 SH   OTR   0 0 19,590
CHEVRON CORP NEW COM 166764100   1,654,837 9,814 SH   OTR   0 0 9,814
CISCO SYS INC COM 17275R102   255,844 4,759 SH   OTR   0 0 4,759
COCA COLA CO COM 191216100   341,254 6,096 SH   OTR   0 0 6,096
COMCAST CORP NEW CL A 20030N101   1,390,148 31,352 SH   OTR   0 0 31,352
CONOCOPHILLIPS COM 20825C104   1,269,521 10,597 SH   OTR   0 0 10,597
CSX CORP COM 126408103   1,643,434 53,445 SH   OTR   0 0 53,445
ELI LILLY & CO COM 532457108   574,729 1,070 SH   OTR   0 0 1,070
EXXON MOBIL CORP COM 30231G102   1,504,319 12,794 SH   OTR   0 0 12,794
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   585,838 13,449 SH   OTR   0 0 13,449
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   364,092 3,501 SH   OTR   0 0 3,501
FLEXSHARES TR STOX US ESG SLCT 33939L696   1,255,460 11,914 SH   OTR   0 0 11,914
GENERAL ELECTRIC CO COM NEW 369604301   425,839 3,852 SH   OTR   0 0 3,852
GIBRALTAR INDS INC COM 374689107   1,558,468 23,085 SH   OTR   0 0 23,085
HOME DEPOT INC COM 437076102   230,390 762 SH   OTR   0 0 762
ILLINOIS TOOL WKS INC COM 452308109   1,305,167 5,667 SH   OTR   0 0 5,667
INTEL CORP COM 458140100   406,052 11,422 SH   OTR   0 0 11,422
INTERNATIONAL BUSINESS MACHS COM 459200101   841,379 5,997 SH   OTR   0 0 5,997
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198   202,580 4,120 SH   OTR   0 0 4,120
INVESCO QQQ TR UNIT SER 1 46090E103   8,036,797 22,432 SH   OTR   0 0 22,432
ISHARES INC MSCI EMERG MRKT 464286533   439,604 8,240 SH   OTR   0 0 8,240
ISHARES TR CORE MSCI TOTAL 46432F834   224,715 3,746 SH   OTR   0 0 3,746
ISHARES TR IBONDS DEC 28 46435U325   768,915 31,500 SH   OTR   0 0 31,500
ISHARES TR TIPS BD ETF 464287176   202,254 1,950 SH   OTR   0 0 1,950
ISHARES TR COHEN STEER REIT 464287564   289,925 5,780 SH   OTR   0 0 5,780
ISHARES TR MORNINGSTAR GRWT 464287119   253,513 4,250 SH   OTR   0 0 4,250
ISHARES TR CORE S&P500 ETF 464287200   7,902,631 18,403 SH   OTR   0 0 18,403
ISHARES TR ESG AW MSCI EAFE 46435G516   7,908,818 114,405 SH   OTR   0 0 114,405
ISHARES TR US HLTHCARE ETF 464287762   270,070 1,000 SH   OTR   0 0 1,000
ISHARES TR RUS 2000 GRW ETF 464287648   264,273 1,179 SH   OTR   0 0 1,179
ISHARES TR MSCI USA MIN VOL 46429B697   1,888,756 26,095 SH   OTR   0 0 26,095
ISHARES TR IBONDS DEC 46435U697   951,815 37,050 SH   OTR   0 0 37,050
ISHARES TR IBONDS DEC 27 46435U283   779,688 31,850 SH   OTR   0 0 31,850
ISHARES TR MSCI EMG MKT ETF 464287234   1,057,287 27,860 SH   OTR   0 0 27,860
ISHARES TR MSCI USA ESG SLC 464288802   6,054,081 67,290 SH   OTR   0 0 67,290
ISHARES TR IBONDS DEC 26 46435U259   868,350 35,000 SH   OTR   0 0 35,000
ISHARES TR IBONDS DEC 25 46435U432   897,152 34,400 SH   OTR   0 0 34,400
ISHARES TR ESG AWARE MSCI 46435U663   299,115 8,889 SH   OTR   0 0 8,889
ISHARES TR IBONDS DEC2023 46435G318   952,210 37,305 SH   OTR   0 0 37,305
ISHARES TR S&P 100 ETF 464287101   10,032,602 50,003 SH   OTR   0 0 50,003
ISHARES TR U.S. TECH ETF 464287721   1,895,275 18,064 SH   OTR   0 0 18,064
ISHARES TR MSCI EAFE MIN VL 46429B689   1,040,259 15,950 SH   OTR   0 0 15,950
ISHARES TR INTL DIV GRWTH 46435G524   842,202 14,200 SH   OTR   0 0 14,200
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   16,315,718 365,250 SH   OTR   0 0 365,250
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   15,720,415 346,570 SH   OTR   0 0 346,570
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   512,758 10,816 SH   OTR   0 0 10,816
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   294,580 5,500 SH   OTR   0 0 5,500
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   706,250 13,999 SH   OTR   0 0 13,999
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,861,751 136,743 SH   OTR   0 0 136,743
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   21,287,032 491,958 SH   OTR   0 0 491,958
JOHNSON & JOHNSON COM 478160104   1,126,228 7,231 SH   OTR   0 0 7,231
JPMORGAN CHASE & CO COM 46625H100   2,217,646 15,292 SH   OTR   0 0 15,292
JUNIPER NETWORKS INC COM 48203R104   1,246,020 44,837 SH   OTR   0 0 44,837
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   462,105 23,175 SH   OTR   0 0 23,175
MASTERCARD INCORPORATED CL A 57636Q104   1,559,094 3,938 SH   OTR   0 0 3,938
META PLATFORMS INC CL A 30303M102   219,153 730 SH   OTR   0 0 730
MICROSOFT CORP COM 594918104   4,254,568 13,474 SH   OTR   0 0 13,474
NORFOLK SOUTHN CORP COM 655844108   1,389,538 7,056 SH   OTR   0 0 7,056
NOVAVAX INC COM NEW 670002401   72,400 10,000 SH   OTR   0 0 10,000
NVIDIA CORPORATION COM 67066G104   1,124,449 2,585 SH   OTR   0 0 2,585
ORACLE CORP COM 68389X105   494,329 4,667 SH   OTR   0 0 4,667
PEPSICO INC COM 713448108   900,065 5,312 SH   OTR   0 0 5,312
PFIZER INC COM 717081103   1,071,858 32,314 SH   OTR   0 0 32,314
PHILLIPS 66 COM 718546104   772,324 6,428 SH   OTR   0 0 6,428
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,089,818 40,841 SH   OTR   0 0 40,841
PIMCO HIGH INCOME FD COM SHS 722014107   68,585 15,517 SH   OTR   0 0 15,517
PROCTER AND GAMBLE CO COM 742718109   453,770 3,111 SH   OTR   0 0 3,111
PUBLIC STORAGE COM 74460D109   973,443 3,694 SH   OTR   0 0 3,694
QUALCOMM INC COM 747525103   1,204,668 10,847 SH   OTR   0 0 10,847
SCHLUMBERGER LTD COM STK 806857108   466,400 8,000 SH   OTR   0 0 8,000
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   687,931 9,460 SH   OTR   0 0 9,460
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   663,113 13,105 SH   OTR   0 0 13,105
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   216,506 4,895 SH   OTR   0 0 4,895
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,168,881 66,170 SH   OTR   0 0 66,170
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,692,463 48,105 SH   OTR   0 0 48,105
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,813,196 58,016 SH   OTR   0 0 58,016
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,139,216 2,665 SH   OTR   0 0 2,665
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   364,399 798 SH   OTR   0 0 798
SPDR SER TR RUSSELL YIELD 78468R770   309,544 3,386 SH   OTR   0 0 3,386
STARBUCKS CORP COM 855244109   448,318 4,912 SH   OTR   0 0 4,912
TESLA INC COM 88160R101   600,028 2,398 SH   OTR   0 0 2,398
THE CIGNA GROUP COM 125523100   482,028 1,685 SH   OTR   0 0 1,685
UNION PAC CORP COM 907818108   814,520 4,000 SH   OTR   0 0 4,000
UNITEDHEALTH GROUP INC COM 91324P102   2,304,148 4,570 SH   OTR   0 0 4,570
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   533,816 3,682 SH   OTR   0 0 3,682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,711,758 36,075 SH   OTR   0 0 36,075
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,475,919 11,270 SH   OTR   0 0 11,270
VANGUARD INDEX FDS GROWTH ETF 922908736   12,763,253 46,870 SH   OTR   0 0 46,870
VANGUARD INDEX FDS MID CAP ETF 922908629   10,869,627 52,198 SH   OTR   0 0 52,198
VANGUARD INDEX FDS SMALL CP ETF 922908751   15,044,346 79,570 SH   OTR   0 0 79,570
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,481,461 15,559 SH   OTR   0 0 15,559
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,086,643 14,362 SH   OTR   0 0 14,362
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   546,330 2,805 SH   OTR   0 0 2,805
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   214,414 546 SH   OTR   0 0 546
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,134,933 10,051 SH   OTR   0 0 10,051
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   762,831 19,455 SH   OTR   0 0 19,455
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   916,449 19,053 SH   OTR   0 0 19,053
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   18,070,707 116,300 SH   OTR   0 0 116,300
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,421,512 45,245 SH   OTR   0 0 45,245
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   22,193,151 507,620 SH   OTR   0 0 507,620
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,416,966 71,368 SH   OTR   0 0 71,368
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   372,055 3,601 SH   OTR   0 0 3,601
VISA INC COM CL A 92826C839   2,192,728 9,533 SH   OTR   0 0 9,533
WISDOMTREE TR US QTLY DIV GRT 97717X669   3,877,715 61,076 SH   OTR   0 0 61,076