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
CHEVRON CORPORATION COMMON STOCK 166764100 3,344 20,536 SH   SOLE   20,536 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 135 829 SH   OTR   829 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,528 45,343 SH   SOLE   45,343 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 151 2,709 SH   OTR   2,709 0 0
CLOROX COMPANY COMMON STOCK 189054109 310 2,230 SH   SOLE   2,230 0 0
CLOROX COMPANY COMMON STOCK 189054109 22 160 SH   OTR   160 0 0
COCA COLA CO COMMON STOCK 191216100 683 11,010 SH   SOLE   11,010 0 0
COGNITION THERAPEUTICS INC COMMON STOCK 19243B102 51 18,496 SH   SOLE   18,496 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 1,291 27,578 SH   SOLE   27,578 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 108 2,307 SH   OTR   2,307 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 297 2,972 SH   SOLE   2,972 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 66 660 SH   OTR   660 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 2,233 9,695 SH   SOLE   9,695 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 693 1,204 SH   SOLE   1,204 0 0
CSX CORP COMMON STOCK 126408103 514 13,716 SH   SOLE   13,716 0 0
CSX CORP COMMON STOCK 126408103 40 1,080 SH   OTR   1,080 0 0
CVS HEALTH CORP COMMON STOCK 126650100 257 2,539 SH   SOLE   2,539 0 0
DANAHER CORP COMMON STOCK 235851102 611 2,084 SH   SOLE   2,084 0 0
DEERE & CO COMMON STOCK 244199105 635 1,528 SH   SOLE   1,528 0 0
DEERE & CO COMMON STOCK 244199105 249 600 SH   OTR   600 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,029 14,792 SH   SOLE   14,770 0 22
DISNEY WALT CO NEW COMMON STOCK 254687106 13 95 SH   OTR   95 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 174 1,559 SH   SOLE   1,559 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 86 772 SH   OTR   772 0 0
EMERSON ELEC CO COMMON STOCK 291011104 1,422 14,504 SH   SOLE   14,504 0 0
EMERSON ELEC CO COMMON STOCK 291011104 164 1,671 SH   OTR   1,671 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,816 21,992 SH   SOLE   21,992 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 572 6,926 SH   OTR   6,926 0 0
FASTENAL CO COMMON STOCK 311900104 1,465 24,669 SH   SOLE   24,669 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 2,404 10,388 SH   SOLE   10,388 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 196 2,138 SH   SOLE   2,138 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 6 68 SH   OTR   68 0 0
GENUINE PARTS CO COMMON STOCK 372460105 1,176 9,335 SH   SOLE   9,335 0 0
GENUINE PARTS CO COMMON STOCK 372460105 165 1,313 SH   OTR   1,313 0 0
GLOBAL PAYMENTS INC COMMON STOCK 37940X102 1,207 8,818 SH   SOLE   8,818 0 0
HANESBRANDS INC COMMON STOCK 410345102 972 65,282 SH   SOLE   65,282 0 0
HANESBRANDS INC COMMON STOCK 410345102 86 5,756 SH   OTR   5,756 0 0
HOME DEPOT INC COMMON STOCK 437076102 904 3,019 SH   SOLE   3,019 0 0
HOME DEPOT INC COMMON STOCK 437076102 178 593 SH   OTR   593 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 257 1,322 SH   SOLE   1,322 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 371 1,906 SH   OTR   1,906 0 0
HUNTINGTON INGALLS INDUSTRIES COMMON STOCK 446413106 1,094 5,487 SH   SOLE   5,487 0 0
HUNTINGTON INGALLS INDUSTRIES COMMON STOCK 446413106 86 432 SH   OTR   432 0 0
IDEXX LABS INC COMMON STOCK 45168D104 776 1,418 SH   SOLE   1,418 0 0
II-VI INC COMMON STOCK 902104108 1,852 25,548 SH   SOLE   25,548 0 0
ILLUMINA INC COMMON STOCK 452327109 826 2,365 SH   SOLE   2,365 0 0
INTEL CORP COMMON STOCK 458140100 3,153 63,628 SH   SOLE   63,628 0 0
INTEL CORP COMMON STOCK 458140100 304 6,129 SH   OTR   6,129 0 0
INTERCONTINENTAL EXCHANGE INC COMMON STOCK 45866F104 2,011 15,220 SH   SOLE   15,220 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,688 12,985 SH   SOLE   12,985 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 209 1,608 SH   OTR   1,608 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,678 26,397 SH   SOLE   26,397 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 327 1,846 SH   OTR   1,846 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 5,369 39,384 SH   SOLE   39,384 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 288 2,115 SH   OTR   2,115 0 0
LILLY ELI & CO COMMON STOCK 532457108 762 2,662 SH   SOLE   2,662 0 0
LILLY ELI & CO COMMON STOCK 532457108 111 389 SH   OTR   389 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,804 4,086 SH   SOLE   4,086 0 0
LOWES COS INC COMMON STOCK 548661107 2,399 11,863 SH   SOLE   11,863 0 0
LOWES COS INC COMMON STOCK 548661107 20 100 SH   OTR   100 0 0
MASTEC INC COMMON STOCK 576323109 1,606 18,434 SH   SOLE   18,434 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,203 8,907 SH   SOLE   8,907 0 0
MCDONALDS CORP COMMON STOCK 580135101 548 2,215 SH   OTR   2,215 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 2,444 91,703 SH   SOLE   91,703 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 70 2,628 SH   OTR   2,628 0 0
MERCK & CO INC COMMON STOCK 58933Y105 448 5,455 SH   SOLE   5,455 0 0
MERCK & CO INC COMMON STOCK 58933Y105 41 500 SH   OTR   500 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 1,421 6,390 SH   SOLE   6,378 0 12
MICROSOFT CORP COMMON STOCK 594918104 6,527 21,169 SH   SOLE   21,169 0 0
MICROSOFT CORP COMMON STOCK 594918104 477 1,546 SH   OTR   1,546 0 0
NETAPP INC COMMON STOCK 64110D104 1,448 17,444 SH   SOLE   17,444 0 0
NETAPP INC COMMON STOCK 64110D104 115 1,380 SH   OTR   1,380 0 0
NEWELL BRANDS INC COMMON STOCK 651229106 1,487 69,463 SH   SOLE   69,463 0 0
NEWELL BRANDS INC COMMON STOCK 651229106 122 5,682 SH   OTR   5,682 0 0
NEWMONT CORP COMMON STOCK 651639106 1,824 22,960 SH   SOLE   22,960 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 904 10,667 SH   SOLE   10,667 0 0
NUCOR CORP COMMON STOCK 670346105 1,314 8,840 SH   SOLE   8,840 0 0
NUCOR CORP COMMON STOCK 670346105 55 373 SH   OTR   373 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 207 2,503 SH   SOLE   2,503 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 892 5,714 SH   SOLE   5,714 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 70 446 SH   OTR   446 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 735 1,180 SH   SOLE   1,180 0 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 966 25,557 SH   SOLE   25,557 0 0
PAYCHEX INC COMMON STOCK 704326107 1,598 11,711 SH   SOLE   11,711 0 0
PAYCHEX INC COMMON STOCK 704326107 124 906 SH   OTR   906 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,356 11,724 SH   SOLE   11,724 0 0
PEOPLES UNITED FINANCIAL, INC COMMON STOCK 712704105 492 24,588 SH   SOLE   24,588 0 0
PEOPLES UNITED FINANCIAL, INC COMMON STOCK 712704105 140 7,000 SH   OTR   7,000 0 0
PEPSICO INC COMMON STOCK 713448108 3,841 22,949 SH   SOLE   22,949 0 0
PEPSICO INC COMMON STOCK 713448108 347 2,074 SH   OTR   2,074 0 0
PFIZER INC COMMON STOCK 717081103 2,336 45,115 SH   SOLE   45,115 0 0
PFIZER INC COMMON STOCK 717081103 472 9,123 SH   OTR   9,123 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 108 1,145 SH   SOLE   1,145 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 496 5,275 SH   OTR   5,275 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,043 12,071 SH   SOLE   12,071 0 0
PHILLIPS 66 COMMON STOCK 718546104 15 177 SH   OTR   177 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 1,209 6,557 SH   SOLE   6,557 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 106 572 SH   OTR   572 0 0
PPL CORPORATION COMMON STOCK 69351T106 779 27,281 SH   SOLE   27,281 0 0
PPL CORPORATION COMMON STOCK 69351T106 71 2,503 SH   OTR   2,503 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,018 6,664 SH   SOLE   6,664 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 49 322 SH   OTR   322 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 1,536 12,994 SH   SOLE   12,994 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 120 1,016 SH   OTR   1,016 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 2,367 6,064 SH   SOLE   6,064 0 0
QUALCOMM INC COMMON STOCK 747525103 1,375 8,998 SH   SOLE   8,998 0 0
QUALCOMM INC COMMON STOCK 747525103 96 631 SH   OTR   631 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,148 21,685 SH   SOLE   21,685 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 114 1,148 SH   OTR   1,148 0 0
REGIONS FINANCIAL CORP COMMON STOCK 7591EP100 1,301 58,430 SH   SOLE   58,430 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 1,507 7,097 SH   SOLE   7,097 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 181 2,503 SH   SOLE   2,503 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 52 722 SH   OTR   722 0 0
SQZ BIOTECHNOLOGIES CO COMMON STOCK 78472W104 53 11,054 SH   SOLE   11,054 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,045 7,651 SH   SOLE   7,651 0 0
TARGET CORP COMMON STOCK 87612E106 250 1,180 SH   SOLE   1,180 0 0
TESLA INC COMMON STOCK 88160R101 365 339 SH   SOLE   339 0 0
TRADEWEB MARKETS INC CL A COMMON STOCK 892672106 2,238 25,475 SH   SOLE   25,475 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,206 5,624 SH   SOLE   5,624 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 175 817 SH   OTR   817 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 541 1,060 SH   SOLE   1,060 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 711 7,006 SH   SOLE   7,006 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 55 537 SH   OTR   537 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 3,696 72,557 SH   SOLE   72,557 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 598 11,748 SH   OTR   11,748 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 2,171 8,318 SH   SOLE   8,318 0 0
VIRTU FINANCIAL INC CL A COMMON STOCK 928254101 3,169 85,136 SH   SOLE   85,136 0 0
VIRTU FINANCIAL INC CL A COMMON STOCK 928254101 91 2,451 SH   OTR   2,451 0 0
VISA INC CL A COMMON STOCK 92826C839 2,669 12,034 SH   SOLE   12,034 0 0
VISA INC CL A COMMON STOCK 92826C839 89 400 SH   OTR   400 0 0
VMWARE INC. COMMON STOCK 928563402 1,380 12,117 SH   SOLE   12,117 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 1,399 31,247 SH   SOLE   31,247 0 0
WALMART INC COMMON STOCK 931142103 2,167 14,550 SH   SOLE   14,550 0 0
WALMART INC COMMON STOCK 931142103 22 150 SH   OTR   150 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 1,309 8,258 SH   SOLE   8,258 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 93 588 SH   OTR   588 0 0
WELLS FARGO & CO COMMON STOCK 949746101 179 3,686 SH   SOLE   3,686 0 0
WELLS FARGO & CO COMMON STOCK 949746101 35 725 SH   OTR   725 0 0
WILLIAMS-SONOMA INC COMMON STOCK 969904101 976 6,728 SH   SOLE   6,728 0 0
3M CO COMMON STOCK 88579Y101 333 2,240 SH   SOLE   2,240 0 0
3M CO COMMON STOCK 88579Y101 130 870 SH   OTR   870 0 0
ABB LTD SPONS ADR COMMON STOCK 000375204 1,070 33,100 SH   SOLE   33,100 0 0
ABB LTD SPONS ADR COMMON STOCK 000375204 84 2,611 SH   OTR   2,611 0 0
BANCO SANTANDER SA SPONS ADR COMMON STOCK 05964H105 149 43,936 SH   SOLE   43,936 0 0
DIAGEO PLC SPONS ADR COMMON STOCK 25243Q205 1,256 6,182 SH   SOLE   6,182 0 0
DIAGEO PLC SPONS ADR COMMON STOCK 25243Q205 109 537 SH   OTR   537 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 837 9,540 SH   SOLE   9,540 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 65 743 SH   OTR   743 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 1,248 11,238 SH   SOLE   11,238 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 81 733 SH   OTR   733 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 324 961 SH   SOLE   961 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 34 100 SH   OTR   100 0 0
AON PLC COMMON STOCK G0403H108 901 2,768 SH   SOLE   2,768 0 0
CYBERARK SOFTWARE LTD COMMON STOCK M2682V108 3,031 17,963 SH   SOLE   17,963 0 0
EATON CORP PLC COMMON STOCK G29183103 2,093 13,794 SH   SOLE   13,794 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 2,908 63,088 SH   SOLE   63,088 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 150 3,263 SH   OTR   3,263 0 0
ICON PLC COMMON STOCK G4705A100 2,047 8,416 SH   SOLE   8,416 0 0
LYONDELLBASELL INDUSTRIES NV C COMMON STOCK N53745100 577 5,614 SH   SOLE   5,614 0 0
LYONDELLBASELL INDUSTRIES NV C COMMON STOCK N53745100 48 462 SH   OTR   462 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 1,766 9,546 SH   SOLE   0 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 434 11,323 SH   SOLE   0 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 420 1,158 SH   SOLE   0 0 0
IPATH BLOOMBERG COMMODITY IN OTHER 06738C778 302 8,181 SH   SOLE   0 0 0
ISHARES BIOTECHNOLOGY ETF OTHER 464287556 351 2,693 SH   SOLE   0 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 48,438 696,855 SH   SOLE   0 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 95 1,363 SH   OTR   0 0 0
ISHARES CORE MSCI EMERGING OTHER 46434G103 614 11,055 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 47,844 178,295 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 407 1,518 SH   OTR   0 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 40,270 373,287 SH   SOLE   0 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 906 8,399 SH   OTR   0 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 116,251 256,234 SH   SOLE   0 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 1,093 2,409 SH   OTR   0 0 0
ISHARES DJ INTL EPAC SELECT DI OTHER 464288448 7,524 236,890 SH   SOLE   0 0 0
ISHARES DJ INTL EPAC SELECT DI OTHER 464288448 695 21,878 SH   OTR   0 0 0
ISHARES DJ SELECT DIVIDEND ETF OTHER 464287168 371 2,893 SH   SOLE   0 0 0
ISHARES DJ SELECT DIVIDEND ETF OTHER 464287168 109 850 SH   OTR   0 0 0
ISHARES ESG AWARE MSCI EAFE OTHER 46435G516 327 4,429 SH   SOLE   0 0 0
ISHARES ESG AWARE MSCI USA OTHER 46435G425 2,234 22,047 SH   SOLE   0 0 0
ISHARES ESG AWARE MSCI USA SM- OTHER 46435U663 355 9,336 SH   SOLE   0 0 0
ISHARES GLOBAL CLEAN ENERGY ET OTHER 464288224 235 10,939 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 339 4,606 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 149 2,021 SH   OTR   0 0 0
ISHARES MSCI EAFE MIN VOL FACT OTHER 46429B689 321 4,450 SH   SOLE   0 0 0
ISHARES MSCI KLD 400 SOCIAL ET OTHER 464288570 2,338 26,986 SH   SOLE   0 0 0
ISHARES MSCI KLD 400 SOCIAL ET OTHER 464288570 265 3,060 SH   OTR   0 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 489 6,270 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 319 1,555 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 330 1,291 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 867 11,223 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 57 740 SH   OTR   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTHER 464287705 1,408 12,839 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600/VAL E OTHER 464287879 1,130 11,040 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP/600 GROWT OTHER 464287887 407 3,250 SH   SOLE   0 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 258 1,658 SH   SOLE   0 0 0
SCHWAB EMERGING MARKETS ETF OTHER 808524706 10,903 392,618 SH   SOLE   0 0 0
SCHWAB EMERGING MARKETS ETF OTHER 808524706 8 292 SH   OTR   0 0 0
SCHWAB FUNDAMENTAL EM L/C OTHER 808524730 2,069 71,472 SH   SOLE   0 0 0
SCHWAB FUNDAMENTAL EM L/C OTHER 808524730 154 5,335 SH   OTR   0 0 0
SCHWAB INTL EQUITY ETF OTHER 808524805 20,054 546,123 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR OTHER 808524201 71,902 1,335,229 SH   SOLE   0 0 0
SCHWAB US DVD EQUITY ETF OTHER 808524797 2,516 31,888 SH   SOLE   0 0 0
SCHWAB US DVD EQUITY ETF OTHER 808524797 432 5,481 SH   OTR   0 0 0
SCHWAB US MID CAP ETF OTHER 808524508 16,611 218,974 SH   SOLE   0 0 0
SCHWAB US REIT ETF OTHER 808524847 11,475 461,035 SH   SOLE   0 0 0
SCHWAB US REIT ETF OTHER 808524847 128 5,148 SH   OTR   0 0 0
SCHWAB US SMALL CAP ETF OTHER 808524607 13,737 290,052 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 224 457 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 1,490 3,299 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 343 759 SH   OTR   0 0 0
SPDR S&P 600 SMALL CAP VALUE E OTHER 78464A300 419 5,023 SH   SOLE   0 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1,524 9,588 SH   SOLE   0 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 162 1,020 SH   OTR   0 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 682 9,160 SH   SOLE   0 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 14 185 SH   OTR   0 0 0
VANGUARD DIVIDEND APPREC ETF OTHER 921908844 260 1,606 SH   SOLE   0 0 0
VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 2,209 45,983 SH   SOLE   0 0 0
VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 413 8,592 SH   OTR   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 26,485 574,146 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 228 4,932 SH   OTR   0 0 0
VANGUARD IND FD MID-CAP OTHER 922908629 1,486 6,247 SH   SOLE   0 0 0
VANGUARD IND FD MID-CAP OTHER 922908629 422 1,775 SH   OTR   0 0 0
VANGUARD INDUSTRIALS ETF OTHER 92204A603 238 1,223 SH   SOLE   0 0 0
VANGUARD MID-CAP VALUE INDEX OTHER 922908512 8,161 54,526 SH   SOLE   0 0 0
VANGUARD MID-CAP VALUE INDEX OTHER 922908512 664 4,436 SH   OTR   0 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 2,774 25,602 SH   SOLE   0 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 248 2,284 SH   OTR   0 0 0
VANGUARD S&P 500 ETF OTHER 922908363 9,532 22,959 SH   SOLE   0 0 0
VANGUARD SMALL CAP VALUE ETF OTHER 922908611 6,384 36,284 SH   SOLE   0 0 0
VANGUARD SMALL CAP VALUE ETF OTHER 922908611 489 2,778 SH   OTR   0 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 831 3,911 SH   SOLE   0 0 0
VANGUARD TOT WORLD STK INDEX OTHER 922042742 3,759 37,109 SH   SOLE   0 0 0
INVESCO SENIOR LOAN ETF OTHER 46138G508 26,568 1,220,388 SH   SOLE   0 0 0
INVESCO SENIOR LOAN ETF OTHER 46138G508 452 20,755 SH   OTR   0 0 0
INVESCO TAXABLE MUNICIPAL BOND OTHER 46138G805 12,803 431,508 SH   SOLE   0 0 0
INVESCO TAXABLE MUNICIPAL BOND OTHER 46138G805 306 10,309 SH   OTR   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 295 3,534 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 2,904 27,119 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 59 555 SH   OTR   0 0 0
ISHARES ESG AWARE US AGGREGATE OTHER 46435U549 289 5,597 SH   SOLE   0 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 534 21,687 SH   SOLE   0 0 0
ISHARES IBOXX INV GRD CORP BON OTHER 464287242 324 2,679 SH   SOLE   0 0 0
ISHARES IBOXX USD HIGH YIELD OTHER 464288513 61 737 SH   SOLE   0 0 0
ISHARES IBOXX USD HIGH YIELD OTHER 464288513 183 2,225 SH   OTR   0 0 0
ISHARES INTERMEDIATE GOV/CR ET OTHER 464288612 744 6,853 SH   SOLE   0 0 0
ISHARES INTERMEDIATE GOV/CR ET OTHER 464288612 142 1,307 SH   OTR   0 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 72,229 1,396,544 SH   SOLE   0 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 1,522 29,433 SH   OTR   0 0 0
ISHARES 3-7 YEAR TREASURY BOND OTHER 464288661 58,570 479,882 SH   SOLE   0 0 0
ISHARES 3-7 YEAR TREASURY BOND OTHER 464288661 796 6,523 SH   OTR   0 0 0
ISHARES 5-10Y INV GRADE CORP E OTHER 464288638 42,995 783,572 SH   SOLE   0 0 0
ISHARES 5-10Y INV GRADE CORP E OTHER 464288638 1,164 21,220 SH   OTR   0 0 0
ISHARES 7-10 YEAR TREASURY B OTHER 464287440 3,342 31,101 SH   SOLE   0 0 0
ISHARES 7-10 YEAR TREASURY B OTHER 464287440 49 459 SH   OTR   0 0 0
PIMCO INV GRADE CORP BD ETF OTHER 72201R817 437 4,196 SH   SOLE   0 0 0
SCHWAB INTERMEDIATE TERM-US OTHER 808524854 5,526 103,773 SH   SOLE   0 0 0
SCHWAB SHORT TERM US TREASURY OTHER 808524862 16,928 341,712 SH   SOLE   0 0 0
SCHWAB SHORT TERM US TREASURY OTHER 808524862 615 12,418 SH   OTR   0 0 0
SCHWAB US AGGREGATE BOND ETF OTHER 808524839 11,701 231,373 SH   SOLE   0 0 0
SCHWAB US TIPS ETF OTHER 808524870 2,616 43,091 SH   SOLE   0 0 0
SCHWAB 5-10 YEAR CORPORATE B OTHER 808524698 320 6,691 SH   SOLE   0 0 0
SPDR BLOOMBERG ST YIELD BOND E OTHER 78468R408 2,562 97,647 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 367 4,269 SH   SOLE   0 0 0
VANGUARD INTM-TERM GOVT BOND F OTHER 92206C706 24,430 388,332 SH   SOLE   0 0 0
VANGUARD INTM-TERM GOVT BOND F OTHER 92206C706 906 14,408 SH   OTR   0 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 466 5,962 SH   SOLE   0 0 0
VANGUARD SHORT-TERM TIPS OTHER 922020805 283 5,534 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1,273 11,609 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 147 1,340 SH   OTR   0 0 0
ISHARES SHORT-TERM NATIONAL MU OTHER 464288158 208 1,989 SH   SOLE   0 0 0
ISHARES SHORT-TERM NATIONAL MU OTHER 464288158 49 470 SH   OTR   0 0 0
VANGUARD TAX-EXEMPT BOND INDEX OTHER 922907746 634 12,306 SH   SOLE   0 0 0