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   2,717,665 21,691 SH   OTR   0 0 21,691
ALLSTATE CORP COM 020002101   481,785 2,315 SH   OTR   0 0 2,315
ALPHABET INC CAP STK CL A 02079K305   442,987 1,415 SH   OTR   0 0 1,415
ALPHABET INC CAP STK CL C 02079K107   8,156,605 25,993 SH   OTR   0 0 25,993
AMAZON COM INC COM 023135106   2,302,891 9,977 SH   OTR   0 0 9,977
AMERICAN TOWER CORP NEW COM 03027X100   254,577 1,450 SH   OTR   0 0 1,450
APPLE INC COM 037833100   15,868,515 58,370 SH   OTR   0 0 58,370
APPLIED MATLS INC COM 038222105   256,990 1,000 SH   OTR   0 0 1,000
AT&T INC COM 00206R102   310,748 12,510 SH   OTR   0 0 12,510
AUTOLIV INC COM 052800109   490,231 4,130 SH   OTR   0 0 4,130
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,064,657 6,097 SH   OTR   0 0 6,097
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,509,600 2 SH   OTR   0 0 2
BLACKSTONE INC COM 09260D107   451,168 2,927 SH   OTR   0 0 2,927
BLOCK H & R INC COM 093671105   217,900 5,000 SH   OTR   0 0 5,000
BRISTOL-MYERS SQUIBB CO COM 110122108   285,882 5,300 SH   OTR   0 0 5,300
BROADCOM INC COM 11135F101   502,191 1,451 SH   OTR   0 0 1,451
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   234,495 6,750 SH   OTR   0 0 6,750
CAMTEK LTD ORD M20791105   386,139 3,631 SH   OTR   0 0 3,631
CHEVRON CORP NEW COM 166764100   1,186,359 7,784 SH   OTR   0 0 7,784
CISCO SYS INC COM 17275R102   351,180 4,559 SH   OTR   0 0 4,559
CONOCOPHILLIPS COM 20825C104   622,787 6,653 SH   OTR   0 0 6,653
CONSTELLATION ENERGY CORP COM 21037T109   255,414 723 SH   OTR   0 0 723
CSX CORP COM 126408103   505,361 13,941 SH   OTR   0 0 13,941
DTE ENERGY CO COM 233331107   1,071,566 8,308 SH   OTR   0 0 8,308
D-WAVE QUANTUM INC COM 26740W109   203,970 7,800 SH   OTR   0 0 7,800
EATON CORP PLC SHS G29183103   951,708 2,988 SH   OTR   0 0 2,988
ELI LILLY & CO COM 532457108   1,162,804 1,082 SH   OTR   0 0 1,082
EXXON MOBIL CORP COM 30231G102   1,012,420 8,413 SH   OTR   0 0 8,413
FLEXSHARES TR STOX US ESG SLCT 33939L696   1,429,600 9,034 SH   OTR   0 0 9,034
GE AEROSPACE COM NEW 369604301   1,055,003 3,425 SH   OTR   0 0 3,425
GE VERNOVA INC COM 36828A101   532,006 814 SH   OTR   0 0 814
GLOBAL X FDS ARTIFICIAL ETF 37954Y632   817,218 16,068 SH   OTR   0 0 16,068
GOLDMAN SACHS GROUP INC COM 38141G104   2,131,575 2,425 SH   OTR   0 0 2,425
HOME DEPOT INC COM 437076102   250,953 729 SH   OTR   0 0 729
INTERNATIONAL BUSINESS MACHS COM 459200101   976,012 3,295 SH   OTR   0 0 3,295
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   1,546,136 12,958 SH   OTR   0 0 12,958
INVESCO QQQ TR UNIT SER 1 46090E103   14,100,252 22,953 SH   OTR   0 0 22,953
ISHARES INC MSCI EMERG MRKT 464286533   307,712 4,805 SH   OTR   0 0 4,805
ISHARES TR IBONDS DEC 28 46435U325   815,670 31,893 SH   OTR   0 0 31,893
ISHARES TR HDG MSCI EAFE 46434V803   4,755,366 114,975 SH   OTR   0 0 114,975
ISHARES TR CORE MSCI EURO 46434V738   4,466,698 62,929 SH   OTR   0 0 62,929
ISHARES TR US TREAS BD ETF 46429B267   331,215 14,385 SH   OTR   0 0 14,385
ISHARES TR RUS 2000 GRW ETF 464287648   267,775 829 SH   OTR   0 0 829
ISHARES TR CALIF MUN BD ETF 464288356   1,026,638 17,867 SH   OTR   0 0 17,867
ISHARES TR MSCI EAFE MIN VL 46429B689   1,489,451 17,269 SH   OTR   0 0 17,269
ISHARES TR MSCI USA MIN VOL 46429B697   2,011,191 21,359 SH   OTR   0 0 21,359
ISHARES TR INTL DIV GRWTH 46435G524   827,700 10,000 SH   OTR   0 0 10,000
ISHARES TR US HLTHCARE ETF 464287762   325,500 5,000 SH   OTR   0 0 5,000
ISHARES TR MSCI EAFE ETF 464287465   1,023,488 10,658 SH   OTR   0 0 10,658
ISHARES TR MORNINGSTAR GRWT 464287119   442,170 4,250 SH   OTR   0 0 4,250
ISHARES TR U.S. TECH ETF 464287721   2,677,309 13,408 SH   OTR   0 0 13,408
ISHARES TR CORE S&P500 ETF 464287200   15,313,750 22,358 SH   OTR   0 0 22,358
ISHARES TR CORE MSCI TOTAL 46432F834   344,453 4,070 SH   OTR   0 0 4,070
ISHARES TR MSCI EMG MKT ETF 464287234   820,376 14,995 SH   OTR   0 0 14,995
ISHARES TR IBONDS DEC 2030 46438G687   465,171 17,850 SH   OTR   0 0 17,850
ISHARES TR IBONDS DEC 27 46435U283   819,924 32,293 SH   OTR   0 0 32,293
ISHARES TR IBONDS DEC 2029 46436E163   841,733 33,100 SH   OTR   0 0 33,100
ISHARES TR RUS 2000 VAL ETF 464287630   232,492 1,283 SH   OTR   0 0 1,283
ISHARES TR ESG MSCI KLD 400 464288570   264,102 2,050 SH   OTR   0 0 2,050
ISHARES TR ESG OPTIMIZED 464288802   5,457,291 39,164 SH   OTR   0 0 39,164
ISHARES TR S&P 100 ETF 464287101   15,644,153 45,614 SH   OTR   0 0 45,614
ISHARES TR ESG AWARE MSCI 46435U663   429,913 9,350 SH   OTR   0 0 9,350
ISHARES TR US SML CAP EQT 46434V290   259,085 3,460 SH   OTR   0 0 3,460
ISHARES TR IBONDS DEC 26 46435U259   764,493 29,820 SH   OTR   0 0 29,820
ISHARES TR ESG AW MSCI EAFE 46435G516   10,805,513 113,635 SH   OTR   0 0 113,635
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   16,105,331 338,653 SH   OTR   0 0 338,653
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   5,817,297 114,199 SH   OTR   0 0 114,199
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   4,535,675 93,135 SH   OTR   0 0 93,135
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   22,372,280 354,104 SH   OTR   0 0 354,104
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   28,280,733 559,018 SH   OTR   0 0 559,018
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   1,256,432 26,535 SH   OTR   0 0 26,535
JOHNSON & JOHNSON COM 478160104   1,253,082 6,055 SH   OTR   0 0 6,055
JPMORGAN CHASE & CO. COM 46625H100   4,733,734 14,691 SH   OTR   0 0 14,691
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   464,822 17,165 SH   OTR   0 0 17,165
KROGER CO COM 501044101   1,436,103 22,985 SH   OTR   0 0 22,985
LOCKHEED MARTIN CORP COM 539830109   358,883 742 SH   OTR   0 0 742
MASTERCARD INCORPORATED CL A 57636Q104   2,646,600 4,636 SH   OTR   0 0 4,636
MCDONALDS CORP COM 580135101   211,802 693 SH   OTR   0 0 693
MCKESSON CORP COM 58155Q103   2,481,377 3,025 SH   OTR   0 0 3,025
MERCK & CO INC COM 58933Y105   1,376,275 13,075 SH   OTR   0 0 13,075
META PLATFORMS INC CL A 30303M102   940,628 1,425 SH   OTR   0 0 1,425
MICROSOFT CORP COM 594918104   5,972,914 12,350 SH   OTR   0 0 12,350
MORGAN STANLEY COM NEW 617446448   276,947 1,560 SH   OTR   0 0 1,560
NETFLIX INC COM 64110L106   533,494 5,690 SH   OTR   0 0 5,690
NORFOLK SOUTHN CORP COM 655844108   500,929 1,735 SH   OTR   0 0 1,735
NVIDIA CORPORATION COM 67066G104   3,502,862 18,782 SH   OTR   0 0 18,782
ORACLE CORP COM 68389X105   975,914 5,007 SH   OTR   0 0 5,007
PEPSICO INC COM 713448108   755,202 5,262 SH   OTR   0 0 5,262
PFIZER INC COM 717081103   577,854 23,207 SH   OTR   0 0 23,207
PHILLIPS 66 COM 718546104   495,901 3,843 SH   OTR   0 0 3,843
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   16,408,724 163,531 SH   OTR   0 0 163,531
PIMCO ETF TR MULTISECTOR BD 72201R585   737,966 27,660 SH   OTR   0 0 27,660
QUALCOMM INC COM 747525103   789,054 4,613 SH   OTR   0 0 4,613
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   443,611 16,485 SH   OTR   0 0 16,485
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   2,959,283 108,757 SH   OTR   0 0 108,757
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   4,417,178 140,183 SH   OTR   0 0 140,183
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   794,714 5,520 SH   OTR   0 0 5,520
SLB LIMITED COM STK 806857108   307,040 8,000 SH   OTR   0 0 8,000
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   202,732 4,565 SH   OTR   0 0 4,565
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,368,356 2,007 SH   OTR   0 0 2,007
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   481,417 798 SH   OTR   0 0 798
TARGA RES CORP COM 87612G101   228,780 1,240 SH   OTR   0 0 1,240
TESLA INC COM 88160R101   380,013 845 SH   OTR   0 0 845
THE CIGNA GROUP COM 125523100   256,790 933 SH   OTR   0 0 933
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,325,999 3,682 SH   OTR   0 0 3,682
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,897,150 10,696 SH   OTR   0 0 10,696
VANGUARD INDEX FDS SMALL CP ETF 922908751   19,383,956 75,146 SH   OTR   0 0 75,146
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   692,267 2,480 SH   OTR   0 0 2,480
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,246,886 14,091 SH   OTR   0 0 14,091
VANGUARD INDEX FDS GROWTH ETF 922908736   20,906,905 42,854 SH   OTR   0 0 42,854
VANGUARD INDEX FDS MID CAP ETF 922908629   14,382,744 49,558 SH   OTR   0 0 49,558
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,340,630 9,964 SH   OTR   0 0 9,964
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,535,387 21,415 SH   OTR   0 0 21,415
VANGUARD INDEX FDS VALUE ETF 922908744   11,629,381 60,890 SH   OTR   0 0 60,890
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   386,939 617 SH   OTR   0 0 617
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,233,049 22,936 SH   OTR   0 0 22,936
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   21,477,172 97,721 SH   OTR   0 0 97,721
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,427,659 32,180 SH   OTR   0 0 32,180
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   43,822,691 701,500 SH   OTR   0 0 701,500
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,261,059 13,790 SH   OTR   0 0 13,790
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,029,780 11,442 SH   OTR   0 0 11,442
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   232,736 780 SH   OTR   0 0 780
VERIZON COMMUNICATIONS INC COM 92343V104   357,325 8,773 SH   OTR   0 0 8,773
VISA INC COM CL A 92826C839   3,452,888 9,845 SH   OTR   0 0 9,845
WALMART INC COM 931142103   277,937 2,495 SH   OTR   0 0 2,495
WASTE MGMT INC DEL COM 94106L109   1,210,602 5,510 SH   OTR   0 0 5,510
WISDOMTREE TR US QTLY DIV GRT 97717X669   4,972,619 55,603 SH   OTR   0 0 55,603
WP CAREY INC COM 92936U109   893,510 13,883 SH   OTR   0 0 13,883