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   2,292,636 20,171 SH   OTR   0 0 20,171
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   594,436 1,715 SH   OTR   0 0 1,715
ALLSTATE CORP COM 020002101   400,088 2,313 SH   OTR   0 0 2,313
ALPHABET INC CAP STK CL A 02079K305   205,567 1,362 SH   OTR   0 0 1,362
ALPHABET INC CAP STK CL C 02079K107   4,028,191 26,456 SH   OTR   0 0 26,456
AMAZON COM INC COM 023135106   948,799 5,260 SH   OTR   0 0 5,260
AMERICAN TOWER CORP NEW COM 03027X100   330,963 1,675 SH   OTR   0 0 1,675
ANALOG DEVICES INC COM 032654105   1,311,743 6,632 SH   OTR   0 0 6,632
APPLE INC COM 037833100   10,971,144 63,979 SH   OTR   0 0 63,979
APPLIED MATLS INC COM 038222105   281,504 1,365 SH   OTR   0 0 1,365
AUTOLIV INC COM 052800109   497,376 4,130 SH   OTR   0 0 4,130
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,101,756 7,376 SH   OTR   0 0 7,376
BLACKSTONE INC COM 09260D107   269,965 2,055 SH   OTR   0 0 2,055
BLOCK H & R INC COM 093671105   245,550 5,000 SH   OTR   0 0 5,000
BRISTOL-MYERS SQUIBB CO COM 110122108   303,688 5,600 SH   OTR   0 0 5,600
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   280,890 9,000 SH   OTR   0 0 9,000
CAMTEK LTD ORD M20791105   318,661 3,804 SH   OTR   0 0 3,804
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   505,030 19,590 SH   OTR   0 0 19,590
CHEVRON CORP NEW COM 166764100   1,464,774 9,286 SH   OTR   0 0 9,286
CISCO SYS INC COM 17275R102   238,021 4,769 SH   OTR   0 0 4,769
COCA COLA CO COM 191216100   372,280 6,085 SH   OTR   0 0 6,085
COMCAST CORP NEW CL A 20030N101   1,448,193 33,407 SH   OTR   0 0 33,407
CONOCOPHILLIPS COM 20825C104   879,632 6,911 SH   OTR   0 0 6,911
CSX CORP COM 126408103   605,761 16,341 SH   OTR   0 0 16,341
ELI LILLY & CO COM 532457108   832,417 1,070 SH   OTR   0 0 1,070
EXXON MOBIL CORP COM 30231G102   1,155,774 9,943 SH   OTR   0 0 9,943
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,942,032 42,861 SH   OTR   0 0 42,861
FLEXSHARES TR STOX US ESG SLCT 33939L696   1,567,709 12,385 SH   OTR   0 0 12,385
GENERAL ELECTRIC CO COM NEW 369604301   676,142 3,852 SH   OTR   0 0 3,852
GIBRALTAR INDS INC COM 374689107   1,991,507 24,730 SH   OTR   0 0 24,730
HOME DEPOT INC COM 437076102   293,436 765 SH   OTR   0 0 765
ILLINOIS TOOL WKS INC COM 452308109   1,396,658 5,205 SH   OTR   0 0 5,205
INTEL CORP COM 458140100   261,089 5,911 SH   OTR   0 0 5,911
INTERNATIONAL BUSINESS MACHS COM 459200101   675,044 3,535 SH   OTR   0 0 3,535
INVESCO QQQ TR UNIT SER 1 46090E103   10,388,519 23,397 SH   OTR   0 0 23,397
ISHARES INC MSCI EMERG MRKT 464286533   491,767 8,690 SH   OTR   0 0 8,690
ISHARES TR CORE MSCI TOTAL 46432F834   258,283 3,806 SH   OTR   0 0 3,806
ISHARES TR US HLTHCARE ETF 464287762   309,500 5,000 SH   OTR   0 0 5,000
ISHARES TR IBONDS DEC 46435U697   963,318 37,122 SH   OTR   0 0 37,122
ISHARES TR MSCI USA MIN VOL 46429B697   2,181,020 26,095 SH   OTR   0 0 26,095
ISHARES TR IBONDS DEC 26 46435U259   889,146 35,075 SH   OTR   0 0 35,075
ISHARES TR MSCI EAFE ETF 464287465   225,205 2,820 SH   OTR   0 0 2,820
ISHARES TR CORE S&P500 ETF 464287200   11,236,378 21,373 SH   OTR   0 0 21,373
ISHARES TR INTL DIV GRWTH 46435G524   956,512 14,200 SH   OTR   0 0 14,200
ISHARES TR MSCI KLD400 SOC 464288570   206,661 2,050 SH   OTR   0 0 2,050
ISHARES TR RUS 2000 VAL ETF 464287630   203,753 1,283 SH   OTR   0 0 1,283
ISHARES TR U.S. TECH ETF 464287721   1,913,125 14,165 SH   OTR   0 0 14,165
ISHARES TR IBONDS DEC 27 46435U283   803,818 31,936 SH   OTR   0 0 31,936
ISHARES TR MSCI USA ESG SLC 464288802   7,204,301 65,992 SH   OTR   0 0 65,992
ISHARES TR S&P 100 ETF 464287101   12,398,210 50,112 SH   OTR   0 0 50,112
ISHARES TR MSCI EAFE MIN VL 46429B689   1,331,481 18,785 SH   OTR   0 0 18,785
ISHARES TR MORNINGSTAR GRWT 464287119   320,790 4,250 SH   OTR   0 0 4,250
ISHARES TR IBONDS DEC 25 46435U432   912,260 34,477 SH   OTR   0 0 34,477
ISHARES TR RUS 2000 GRW ETF 464287648   319,273 1,179 SH   OTR   0 0 1,179
ISHARES TR IBONDS DEC 2029 46436E163   759,875 30,100 SH   OTR   0 0 30,100
ISHARES TR IBONDS DEC 28 46435U325   797,915 31,576 SH   OTR   0 0 31,576
ISHARES TR ESG AW MSCI EAFE 46435G516   9,129,685 114,250 SH   OTR   0 0 114,250
ISHARES TR MSCI EMG MKT ETF 464287234   1,177,353 28,660 SH   OTR   0 0 28,660
ISHARES TR ESG AWARE MSCI 46435U663   357,960 8,889 SH   OTR   0 0 8,889
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   318,230 5,500 SH   OTR   0 0 5,500
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   710,309 13,999 SH   OTR   0 0 13,999
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   26,102,981 493,720 SH   OTR   0 0 493,720
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,080,699 259,280 SH   OTR   0 0 259,280
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   16,236,519 348,947 SH   OTR   0 0 348,947
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   18,598,707 398,729 SH   OTR   0 0 398,729
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   539,178 10,816 SH   OTR   0 0 10,816
JOHNSON & JOHNSON COM 478160104   1,068,573 6,755 SH   OTR   0 0 6,755
JPMORGAN CHASE & CO COM 46625H100   3,102,447 15,489 SH   OTR   0 0 15,489
JUNIPER NETWORKS INC COM 48203R104   1,772,617 47,831 SH   OTR   0 0 47,831
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   463,495 23,175 SH   OTR   0 0 23,175
LENNAR CORP CL A 526057104   256,250 1,490 SH   OTR   0 0 1,490
MASTERCARD INCORPORATED CL A 57636Q104   2,049,562 4,256 SH   OTR   0 0 4,256
META PLATFORMS INC CL A 30303M102   354,473 730 SH   OTR   0 0 730
MICROSOFT CORP COM 594918104   5,679,608 13,500 SH   OTR   0 0 13,500
NETFLIX INC COM 64110L106   273,299 450 SH   OTR   0 0 450
NORFOLK SOUTHN CORP COM 655844108   516,112 2,025 SH   OTR   0 0 2,025
NOVAVAX INC COM NEW 670002401   47,800 10,000 SH   OTR   0 0 10,000
NVIDIA CORPORATION COM 67066G104   2,485,704 2,751 SH   OTR   0 0 2,751
ORACLE CORP COM 68389X105   586,222 4,667 SH   OTR   0 0 4,667
PEPSICO INC COM 713448108   920,903 5,262 SH   OTR   0 0 5,262
PFIZER INC COM 717081103   832,361 29,995 SH   OTR   0 0 29,995
PHILLIPS 66 COM 718546104   775,375 4,747 SH   OTR   0 0 4,747
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   8,667,697 86,211 SH   OTR   0 0 86,211
PIMCO HIGH INCOME FD COM SHS 722014107   76,654 15,517 SH   OTR   0 0 15,517
PROCTER AND GAMBLE CO COM 742718109   480,422 2,961 SH   OTR   0 0 2,961
QUALCOMM INC COM 747525103   842,945 4,979 SH   OTR   0 0 4,979
SALESFORCE INC COM 79466L302   324,973 1,079 SH   OTR   0 0 1,079
SCHLUMBERGER LTD COM STK 806857108   438,480 8,000 SH   OTR   0 0 8,000
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,901,764 43,059 SH   OTR   0 0 43,059
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   225,170 4,895 SH   OTR   0 0 4,895
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   291,931 6,055 SH   OTR   0 0 6,055
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   3,587,472 62,905 SH   OTR   0 0 62,905
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   813,296 13,105 SH   OTR   0 0 13,105
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   886,403 9,560 SH   OTR   0 0 9,560
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   202,765 5,129 SH   OTR   0 0 5,129
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,483,443 2,836 SH   OTR   0 0 2,836
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   444,007 798 SH   OTR   0 0 798
SPDR SER TR S&P HOMEBUILD 78464A888   286,786 2,570 SH   OTR   0 0 2,570
STARBUCKS CORP COM 855244109   284,406 3,112 SH   OTR   0 0 3,112
SUPER MICRO COMPUTER INC COM 86800U104   242,407 240 SH   OTR   0 0 240
TESLA INC COM 88160R101   410,997 2,338 SH   OTR   0 0 2,338
THE CIGNA GROUP COM 125523100   611,975 1,685 SH   OTR   0 0 1,685
UNION PAC CORP COM 907818108   983,720 4,000 SH   OTR   0 0 4,000
UNITEDHEALTH GROUP INC COM 91324P102   1,954,065 3,950 SH   OTR   0 0 3,950
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   828,413 3,682 SH   OTR   0 0 3,682
VANGUARD INDEX FDS VALUE ETF 922908744   211,718 1,300 SH   OTR   0 0 1,300
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,178,858 16,567 SH   OTR   0 0 16,567
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   262,462 546 SH   OTR   0 0 546
VANGUARD INDEX FDS SMALL CP ETF 922908751   19,240,569 84,171 SH   OTR   0 0 84,171
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,106,697 12,797 SH   OTR   0 0 12,797
VANGUARD INDEX FDS GROWTH ETF 922908736   16,237,791 47,175 SH   OTR   0 0 47,175
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,595,361 9,986 SH   OTR   0 0 9,986
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   617,770 2,620 SH   OTR   0 0 2,620
VANGUARD INDEX FDS MID CAP ETF 922908629   13,292,846 53,201 SH   OTR   0 0 53,201
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,610,550 10,330 SH   OTR   0 0 10,330
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   648,479 15,525 SH   OTR   0 0 15,525
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,043,271 20,618 SH   OTR   0 0 20,618
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   21,368,848 117,019 SH   OTR   0 0 117,019
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,906,159 48,195 SH   OTR   0 0 48,195
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   32,689,663 651,578 SH   OTR   0 0 651,578
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   807,632 9,906 SH   OTR   0 0 9,906
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,718,510 68,583 SH   OTR   0 0 68,583
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   435,685 3,601 SH   OTR   0 0 3,601
VISA INC COM CL A 92826C839   2,715,795 9,731 SH   OTR   0 0 9,731
WEYERHAEUSER CO MTN BE COM NEW 962166104   210,576 5,864 SH   OTR   0 0 5,864
WISDOMTREE TR US QTLY DIV GRT 97717X669   4,717,761 61,921 SH   OTR   0 0 61,921
WK KELLOGG CO COM SHS 92942W107   1,072,916 57,070 SH   OTR   0 0 57,070