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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADR BP PLC ADR 055622104 358 13,557 SH   SOLE   13,557 0 0
ADR Royal Dutch Shell Plc Spon ADR 780259206 383 9,475 SH   SOLE   9,475 0 0
ADR Royal Dutch Shell Plc Spon ADR 780259107 1,449 37,320 SH   SOLE   37,320 0 0
ADR Taiwan Semiconductor Mfg ADR 874039100 299 2,486 SH   SOLE   2,486 0 0
ADR Tencent Hldgs Ltd Adr ADR 88032Q109 219 2,908 SH   SOLE   2,908 0 0
ADR TotalEnergies SE ADR 89151E109 919 20,300 SH   SOLE   20,300 0 0
ADR United Microelectronics ADR 910873405 123 12,971 SH   SOLE   12,971 0 0
Alibaba Group Hldg Ltd Sponsor ADR 01609w102 1,033 4,557 SH   SOLE   4,557 0 0
Blackrock Mun Target T Com Shs COM 09257P105 598 22,800 SH   SOLE   22,800 0 0
Ishares Msci S Korea COM 464286772 828 8,885 SH   SOLE   8,885 0 0
Ishares Msci Taiwan COM 46434G772 3,762 58,830 SH   SOLE   58,830 0 0
Ishares Tr MSCI ACWI Ex Us COM 464288240 17,548 305,129 SH   SOLE   305,129 0 0
Ishares Tr Msci Euro Fl Etf COM 464289180 1,844 94,300 SH   SOLE   94,300 0 0
J P Morgan Exchange-Tr Betabul COM 46641Q225 4,601 71,100 SH   SOLE   71,100 0 0
Vanguard Ftse All-World Etf COM 922042775 35,676 562,806 SH   SOLE   562,806 0 0
Vanguard Ftse Developed Market COM 921943858 7,358 142,819 SH   SOLE   140,407 2,412 0
Vanguard Ftse Developed Market COM 921943858 124 2,412 SH   OTR   2,412 2,412 0
Vanguard Ftse Emerging Markets COM 922042858 245 4,513 SH   SOLE   4,513 0 0
Vanguard Intl Equity I Glb Ex COM 922042676 6,860 117,550 SH   SOLE   117,550 0 0
Vanguard Star Fd Vg Tl Intl St COM 921909768 71,919 1,094,994 SH   SOLE   1,094,609 385 0
Vanguard Star Fd Vg Tl Intl St COM 921909768 26 400 SH   OTR   385 400 0
Vanguard World Fd Esg Intl Stk COM 921910725 361 5,623 SH   SOLE   5,623 0 0
iShares ESG Aware Msci Eafe COM 46435G516 487 6,167 SH   SOLE   6,167 0 0
iShares Inc Core MSCI Emkt COM 46434g103 1,522 22,715 SH   SOLE   22,607 108 0
iShares Inc Core MSCI Emkt COM 46434g103 7 108 SH   OTR   108 108 0
iShares MSCI ETF COM 464287465 3,672 46,551 SH   SOLE   43,435 3,116 0
iShares MSCI ETF COM 464287465 246 3,116 SH   OTR   3,116 3,116 0
iShares MSCI Emrg COM 464287234 3,422 62,042 SH   SOLE   58,557 3,485 0
iShares MSCI Emrg COM 464287234 256 4,633 SH   OTR   3,485 4,633 0
iShares MSCI Intl Vlu Ft ETF COM 46435G409 12,944 501,322 SH   SOLE   501,322 0 0
iShares Tr Core MSCI EAFE COM 46432f842 782 10,449 SH   SOLE   10,449 0 0
iShares Tr S&P Ltn Am 40 COM 464287390 857 27,200 SH   SOLE   27,200 0 0
Aberdeen Priv Eq F Sterling Pa COM GG00BFMDJ 1 46,699 SH   SOLE   46,699 0 0
Alphabet Class-C Share COM 02079K107 281 112 SH   SOLE   112 0 0
Alphabet Inc. Class A COM 02079K305 632 259 SH   SOLE   259 0 0
Amazon.Com Inc COM 023135106 1,287 374 SH   SOLE   374 0 0
American Express Co COM 025816109 558 3,379 SH   SOLE   3,379 0 0
Apple Inc. COM 037833100 2,856 20,854 SH   SOLE   20,854 0 0
Berkshire Hath. Cl A COM 084670108 1,674 4 SH   SOLE   4 0 0
Boeing Co COM 097023105 544 2,271 SH   SOLE   2,271 0 0
Chevron Corp COM 166764100 1,515 14,460 SH   SOLE   14,460 0 0
Cloudflare Inc Cl A Com COM 18915M107 10,448 98,718 SH   SOLE   98,718 0 0
Conocophillips COM 20825C104 213 3,500 SH   SOLE   3,500 0 0
Deere & Co COM 244199105 868 2,461 SH   SOLE   2,461 0 0
Emerson Electric Co COM 291011104 363 3,774 SH   SOLE   3,774 0 0
Exxon Mobil COM 30231G102 2,456 38,938 SH   SOLE   38,938 0 0
Facebook Inc Cl A COM 30303M102 377 1,083 SH   SOLE   1,083 0 0
General Electric Co COM 369604301 277 20,544 SH   SOLE   20,544 0 0
Goldman Sachs COM 38141G104 297 783 SH   SOLE   783 0 0
Hancock Whitney Corp COM 410120109 504 11,335 SH   SOLE   11,335 0 0
Huntington Bancshares COM 446150104 9,070 635,578 SH   SOLE   635,578 0 0
Ibm COM 459200101 489 3,339 SH   SOLE   3,339 0 0
Illinois Tool Works COM 452308109 254 1,134 SH   SOLE   1,134 0 0
Johnson & Johnson COM 478160104 969 5,882 SH   SOLE   5,882 0 0
Kellogg Co COM 487836108 262 4,075 SH   SOLE   4,075 0 0
Kroger Co COM 501044101 214 5,576 SH   SOLE   5,576 0 0
Marathon Oil COM 565849106 3,143 230,800 SH   SOLE   230,800 0 0
Microsoft Corp COM 594918104 1,525 5,631 SH   SOLE   5,631 0 0
Palantir Technologies COM 69608A108 7,342 278,512 SH   SOLE   278,512 0 0
Palantir Technologies COM 69608A108 43 1,618 SH   OTR   0 1,618 0
Phillips 66 COM 718546104 305 3,559 SH   SOLE   3,559 0 0
Qualcomm Inc COM 747525103 883 6,177 SH   SOLE   6,177 0 0
Quanta Svcs Inc Com COM 74762E102 2,047 22,602 SH   SOLE   22,602 0 0
The Williams Companies, Inc. C COM 969457100 1,460 55,000 SH   SOLE   55,000 0 0
Flexshares Mornstar US Market COM 33939L100 6,013 35,302 SH   SOLE   35,302 0 0
Flexshares Quality Dividend In COM 33939L860 717 12,766 SH   SOLE   12,766 0 0
Invesco Qqq Tr Unit Ser 1 COM 46090e103 14,709 41,500 SH   SOLE   41,500 0 0
Ishares Tr Glob Indstrl Etf COM 464288729 2,245 18,800 SH   SOLE   18,800 0 0
Ishares Tr Global Energ Etf COM 464287341 1,837 69,100 SH   SOLE   69,100 0 0
Ishares Tr Global Finls Etf COM 464287333 2,414 31,100 SH   SOLE   31,100 0 0
Proshares Tr Sp500 Ex Enrgy COM 74347B581 259 2,783 SH   SOLE   2,783 0 0
SPDR Gold Trust COM 78463V107 481 2,905 SH   SOLE   2,905 0 0
SPDR S&P 500 ETF Trust Ser-1 D COM 78462F103 16,894 39,466 SH   SOLE   39,466 0 0
SPDR S&P 500 ETF Trust Ser-1 D COM 78462F103 153 358 SH   OTR   334 24 0
SPROTT PHYSICAL GOLD & TR UNIT COM 85208R101 3,531 189,050 SH   SOLE   189,050 0 0
Select Sector SPDR Tr SBI Cons COM 81369Y308 9,397 134,300 SH   SOLE   134,300 0 0
Select Sector SPDR Tr SBI Int- COM 81369Y704 5,683 55,500 SH   SOLE   55,500 0 0
Select Sector SPDR Tr SBI Mate COM 81369Y100 4,807 58,400 SH   SOLE   58,400 0 0
Spdr Index Shs Fds Glb Nat Res COM 78463X541 7,197 135,800 SH   SOLE   135,800 0 0
Spdr Ser Tr Portfoli S&p1500 COM 78464A805 13,900 262,413 SH   SOLE   262,413 0 0
Spdr Series Trust Spdr S&p 500 COM 78468R796 941 8,862 SH   SOLE   8,862 0 0
Sprott Physical Gold Unit COM 85207H104 3,015 214,900 SH   SOLE   214,900 0 0
Vanguard Index Fds REIT ETF COM 922908553 5,097 50,075 SH   SOLE   50,075 0 0
Vanguard Index Fds Value ETF COM 922908744 351 2,550 SH   SOLE   2,550 0 0
Vanguard Total Stock Market ET COM 922908769 305 1,370 SH   SOLE   1,370 0 0
iShares Comex Gold Tr Ishares COM 464285204 8,665 257,035 SH   SOLE   256,080 0 0
iShares Comex Gold Tr Ishares COM 464285204 206 6,112 SH   OTR   955 6,022 0
iShares Russell 3000 ETF COM 464287689 71,032 277,566 SH   SOLE   276,667 899 0
iShares Russell 3000 ETF COM 464287689 1,989 7,773 SH   OTR   902 7,770 0
iShares Tr Core S&P TTL Stk COM 464287150 242,227 2,452,681 SH   SOLE   2,442,569 10,112 0
iShares Tr Core S&P TTL Stk COM 464287150 1,555 15,743 SH   OTR   11,353 14,502 0
iShares Tr DJ Sel Div Inx COM 464287168 321 2,755 SH   SOLE   2,755 0 0