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   493 4,339 SH   OTR 1 0 0 4,339
Abbott Labs Com 002824100   5 40 SH   OTR 2 0 0 40
Abbott Labs Com 002824100   47 410 SH   SOLE 0 410 0 0
AbbVie Inc Com 00287Y109   751 4,122 SH   OTR 1 0 0 4,122
AbbVie Inc Com 00287Y109   4 21 SH   OTR 2 0 0 21
Adobe Sys Inc Com 00724F101   646 1,281 SH   OTR 1 0 0 1,281
Adobe Sys Inc Com 00724F101   6 12 SH   OTR 2 0 0 12
Alphabet Inc Cap Stk Cl A 02079K305   1,063 7,040 SH   OTR 1 0 0 7,040
Alphabet Inc Cap Stk Cl A 02079K305   13 85 SH   OTR 2 0 0 85
Alphabet Inc Cap Stk Cl C 02079K107   1,069 7,020 SH   OTR 1 0 0 7,020
Alphabet Inc Cap Stk Cl C 02079K107   9 60 SH   OTR 2 0 0 60
Amazon Com Inc Com 023135106   2,110 11,696 SH   OTR 1 0 0 11,696
Amazon Com Inc Com 023135106   13 70 SH   OTR 2 0 0 70
American Express Co Com 025816109   503 2,209 SH   OTR 1 0 0 2,209
American Express Co Com 025816109   1 4 SH   OTR 2 0 0 4
American Express Co Com 025816109   2 8 SH   SOLE 0 8 0 0
Amgen Inc Com 031162100   221 778 SH   OTR 1 0 0 778
Amgen Inc Com 031162100   3 9 SH   OTR 2 0 0 9
Amphenol Corp Class A Com 032095101   240 2,080 SH   OTR 1 0 0 2,080
Apple Inc Com 037833100   3,606 21,029 SH   OTR 1 0 0 21,029
Apple Inc Com 037833100   25 145 SH   OTR 2 0 0 145
Apple Inc Com 037833100   423 2,469 SH   SOLE 0 2,469 0 0
Autozone Inc Com 053332102   315 100 SH   OTR 1 0 0 100
Bank of America Corp Com 060505104   211 5,560 SH   OTR 1 0 0 5,560
Bank of America Corp Com 060505104   1 22 SH   OTR 2 0 0 22
Boeing Co Com 097023105   387 2,005 SH   OTR 1 0 0 2,005
Boeing Co Com 097023105   2 12 SH   OTR 2 0 0 12
Brown Forman Corp Cl B 115637209   186 3,610 SH   OTR 1 0 0 3,610
C H Robinson Worldwide Inc Com New 12541W209   331 4,353 SH   OTR 1 0 0 4,353
Caterpillar Inc Com 149123101   216 590 SH   OTR 1 0 0 590
Caterpillar Inc Com 149123101   2 5 SH   OTR 2 0 0 5
Chevron Corporation COM 166764100   349 2,211 SH   OTR 1 0 0 2,211
Chevron Corporation COM 166764100   3 20 SH   OTR 2 0 0 20
Comerica Inc Com 200340107   308 5,608 SH   OTR 1 0 0 5,608
Costco Whsl Corp New Com 22160K105   955 1,303 SH   OTR 1 0 0 1,303
Costco Whsl Corp New Com 22160K105   15 20 SH   OTR 2 0 0 20
Danaher Corp Del Com 235851102   498 1,995 SH   OTR 1 0 0 1,995
Danaher Corp Del Com 235851102   5 19 SH   OTR 2 0 0 19
Deere & Co Com 244199105   301 732 SH   OTR 1 0 0 732
Deere & Co Com 244199105   1 3 SH   OTR 2 0 0 3
Elevance Health Inc Com 036752103   641 1,237 SH   OTR 1 0 0 1,237
Elevance Health Inc Com 036752103   1 1 SH   OTR 2 0 0 1
Fidelity MSCI Real Estate ETF MSCI RL EST ETF 316092857   1,473 56,472 SH   SOLE 0 56,472 0 0
Goldman Sachs Group Inc Com 38141G104   666 1,595 SH   OTR 1 0 0 1,595
Goldman Sachs Group Inc Com 38141G104   2 5 SH   OTR 2 0 0 5
Graco Inc Com 384109104   413 4,416 SH   OTR 1 0 0 4,416
Hartford Financial Services Group Inc Com 416515104   363 3,523 SH   OTR 1 0 0 3,523
Home Depot Inc Com 437076102   754 1,965 SH   OTR 1 0 0 1,965
Home Depot Inc Com 437076102   11 28 SH   OTR 2 0 0 28
Honeywell Intl Inc Com 438516106   251 1,225 SH   OTR 1 0 0 1,225
Honeywell Intl Inc Com 438516106   5 24 SH   OTR 2 0 0 24
Intuit Com 461202103   1,030 1,584 SH   OTR 1 0 0 1,584
Intuit Com 461202103   3 5 SH   OTR 2 0 0 5
Intuit Com 461202103   14 21 SH   SOLE 0 21 0 0
iShares MSCI Aust ETF 464286103   4,293 174,074 SH   SOLE 0 174,074 0 0
iShares MSCI CDA ETF 464286509   1,369 35,758 SH   SOLE 0 35,758 0 0
iShares MSCI Japan ETF 46434G822   8,804 123,397 SH   SOLE 0 123,397 0 0
iShares Gold Trust iShares 464285204   4,289 102,096 SH   SOLE 0 102,096 0 0
iShares Tr Gl Clean Ene ETF 464288224   857 61,277 SH   SOLE 0 61,277 0 0
iShares Tr Core MSCI Euro 46434V738   10,715 185,212 SH   SOLE 0 185,212 0 0
iShares Tr Core S&P 500 ETF 464287200   13,225 25,155 SH   SOLE 0 25,155 0 0
iShares Tr Core S&P Mid-Cap ETF 464287507   207 3,405 SH   SOLE 0 3,405 0 0
iShares Tr Core S&P SCP ETF 464287804   11,597 104,929 SH   SOLE 0 104,929 0 0
iShares Tr Europe ETF 464287861   2,283 41,014 SH   SOLE 0 41,014 0 0
iShares Tr MSCI AC Asia ETF 464288182   1,345 19,853 SH   SOLE 0 19,853 0 0
iShares Tr Rus 2000 Val ETF 464287630   599 3,769 SH   SOLE 0 3,769 0 0
iShares Tr Russell 2000 ETF 464287655   821 3,906 SH   SOLE 0 3,906 0 0
iShares Tr SP SMCP600VL ETF 464287879   29,908 291,047 SH   SOLE 0 291,047 0 0
iShares Tr SP SMCP600GR ETF 464287887   13,359 102,189 SH   SOLE 0 102,189 0 0
iShares Tr Rus 2000 Grw ETF 464287648   688 2,542 SH   SOLE 0 2,542 0 0
iShares Tr US Hlthcare ETF 464287762   383 6,180 SH   SOLE 0 6,180 0 0
JP Morgan Exchange Traded Fund Betbuld Japan 46641Q712   8,468 144,629 SH   SOLE 0 144,629 0 0
JPMorgan Exchange Traded Fund Betabuldrs CDA 46641Q696   468 7,007 SH   SOLE 0 7,007 0 0
Juniper Networks Inc Com 48203R104   325 8,757 SH   OTR 1 0 0 8,757
Li-Cycle Holdings Corp Ordinary Shares - Class A Com 50202P105   11 11,060 SH   SOLE 0 11,060 0 0
Marriott Intl Inc Cl A 571903202   387 1,533 SH   OTR 1 0 0 1,533
Marsh & McClennan Companies Inc Com 571748102   325 1,579 SH   OTR 1 0 0 1,579
Marsh & McClennan Companies Inc Com 571748102   6 28 SH   OTR 2 0 0 28
Mastercard Inc Cl A 57636Q104   722 1,500 SH   OTR 1 0 0 1,500
Mastercard Inc Cl A 57636Q104   4 8 SH   OTR 2 0 0 8
McDonalds Corp Com 580135101   252 895 SH   OTR 1 0 0 895
McDonalds Corp Com 580135101   4 13 SH   OTR 2 0 0 13
McDonalds Corp Com 580135101   247 877 SH   SOLE 0 877 0 0
McKesson Corp Com 58155Q103   260 485 SH   OTR 1 0 0 485
McKesson Corp Com 58155Q103   1 1 SH   OTR 2 0 0 1
Meta Platforms Inc Cl A 30303M102   501 1,031 SH   OTR 1 0 0 1,031
Meta Platforms Inc Cl A 30303M102   16 33 SH   OTR 2 0 0 33
Microsoft Corp Com 594918104   2,519 5,987 SH   OTR 1 0 0 5,987
Microsoft Corp Com 594918104   46 109 SH   OTR 2 0 0 109
Microsoft Corp Com 594918104   1,262 3,000 SH   SOLE 0 3,000 0 0
MicroStrategy Inc Class A CL A NEW 594972408   377 221 SH   OTR 1 0 0 221
Moodys Corp Com 615369105   494 1,258 SH   OTR 1 0 0 1,258
Motorola Solutions Inc Com New 620076307   410 1,155 SH   OTR 1 0 0 1,155
Nike Inc Cl B 654106103   226 2,402 SH   OTR 1 0 0 2,402
Nike Inc Cl B 654106103   4 40 SH   OTR 2 0 0 40
Northrop Grumman Corp Com 666807102   348 728 SH   OTR 1 0 0 728
Northrop Grumman Corp Com 666807102   1 3 SH   OTR 2 0 0 3
NuShares ETF Trust Nuveen ESG SMLCP ETF 67092P607   2,230 53,620 SH   SOLE 0 53,620 0 0
Nvidia Corp Com 67066G104   2,990 3,309 SH   OTR 1 0 0 3,309
Nvidia Corp Com 67066G104   35 39 SH   OTR 2 0 0 39
Oracle Corp Com 68389X105   398 3,172 SH   OTR 1 0 0 3,172
Oracle Corp Com 68389X105   2 18 SH   OTR 2 0 0 18
PayPal Holdings Inc Com 70450Y103   220 3,279 SH   OTR 1 0 0 3,279
PayPal Holdings Inc Com 70450Y103   1 11 SH   OTR 2 0 0 11
PNC Finl Svcs Group Inc Com 693475105   504 3,117 SH   OTR 1 0 0 3,117
PNC Finl Svcs Group Inc Com 693475105   1 6 SH   OTR 2 0 0 6
Proctor and Gamble Co Com 742718109   256 1,576 SH   OTR 1 0 0 1,576
Proctor and Gamble Co Com 742718109   5 30 SH   OTR 2 0 0 30
Prologis Inc Com 74340W103   575 4,419 SH   OTR 1 0 0 4,419
Ryman Hospitality Pptys Inc Com 78377T107   345 2,986 SH   OTR 1 0 0 2,986
Schwab Strategic Tr US REIT ETF 808524847   596 29,337 SH   SOLE 0 29,337 0 0
Senseonics Holdings Com 81727U105   21 40,002 SH   SOLE 0 40,002 0 0
SPDR Gold Trust Gold SHS 78463V107   2,178 10,589 SH   SOLE 0 10,589 0 0
SPDR Index Shs Fds Glb Nat Resrce 78463X541   3,374 58,248 SH   SOLE 0 58,248 0 0
SPDR S&P 500 ETF Tr TR Unit 78462F103   20,084 38,397 SH   SOLE 0 38,397 0 0
SPDR S&P Small Cap Growth S&P 50 Smcp Grw 78464A201   1,566 17,956 SH   SOLE 0 17,956 0 0
SPDR S&P Small Cap Value S&P 600 Smcp Val 78464A300   4,919 59,288 SH   SOLE 0 59,288 0 0
SPDR S&P MIDCAP 400 ETF Trust UTSER1 S&PDCRP 78467Y107   105 188 SH   SOLE 0 188 0 0
SPDR Series Trust Shrt Intl ETF 78464A334   262 9,943 SH   SOLE 0 9,943 0 0
Starbucks Corp Com 855244109   212 2,320 SH   OTR 1 0 0 2,320
Starbucks Corp Com 855244109   3 28 SH   OTR 2 0 0 28
Steel Dynamics Inc Com 858119100   722 4,874 SH   OTR 1 0 0 4,874
Texas Roadhouse Inc Com 882681109   244 1,580 SH   OTR 1 0 0 1,580
Trane Technologies PLC Class A SHS G8994E103   420 1,400 SH   OTR 1 0 0 1,400
Trane Technologies PLC Class A SHS G8994E103   8 27 SH   OTR 2 0 0 27
Union Pac Corp Com 907818108   307 1,250 SH   OTR 1 0 0 1,250
Union Pac Corp Com 907818108   6 26 SH   OTR 2 0 0 26
Unitedhealth Group Inc Com 91324P102   523 1,057 SH   OTR 1 0 0 1,057
Unitedhealth Group Inc Com 91324P102   10 21 SH   OTR 2 0 0 21
VanEck ETF Trust Global Alter ETF 92189F502   868 8,831 SH   SOLE 0 8,831 0 0
Vanguard Bd Index Fds Vanguard Ultra 92203C303   3,066 61,871 SH   SOLE 0 61,871 0 0
Vanguard Index Fds REIT ETF 922908553   1,208 13,963 SH   SOLE 0 13,963 0 0
Vanguard Index Fds TOTAL STK MKT 922908769   15,815 60,850 SH   SOLE 0 60,850 0 0
Vanguard Intl Equity Index F FTSE EUROPE ETF 922042874   5,492 81,563 SH   SOLE 0 81,563 0 0
Vanguard Intl Equity Index F ALLWRLD EX US 922042718   1,048 8,968 SH   SOLE 0 8,968 0 0
Vanguard Short-Term Bond Short Trm Bnd 921937827   466 6,077 SH   SOLE 0 6,077 0 0
Vanguard World FD ESG US STK ETF 921910733   3,081 33,058 SH   SOLE 0 33,058 0 0
Visa Inc Com Cl A 92826C839   791 2,836 SH   OTR 1 0 0 2,836
Visa Inc Com Cl A 92826C839   10 37 SH   OTR 2 0 0 37
Walmart Inc Com 931142103   2 27 SH   OTR 2 0 0 27
Walmart Inc Com 931142103   215 3,566 SH   SOLE 0 3,566 0 0
Weyerhaeuser Co Com 962166104   391 10,898 SH   SOLE 0 10,898 0 0
Yum Brands Inc Com 988498101   574 4,143 SH   OTR 1 0 0 4,143
Yum Brands Inc Com 988498101   1 5 SH   OTR 2 0 0 5