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
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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
AIRBNB INC C 009066101 2 15 SH   SOLE   0 0 15
ALLSTATE CORPORATION C 020002101 280 2,376 SH   SOLE   0 0 2,376
ALPHABET INC CAP STK CL A C 02079K305 3,540 1,222 SH   OTR 1 0 0 1,222
ALTRIA GROUP INC COM C 02209S103 9 200 SH   SOLE   0 0 200
AMAZON.COM, INC C 023135106 70 21 SH   SOLE   0 0 21
AMEREN CORP C 023608102 40 444 SH   SOLE   0 0 444
AMERICAN ELECTRIC POWER CO C 025537101 311 3,500 SH   SOLE   0 0 3,500
AMERICAN EXPRESS C 025816109 25 150 SH   SOLE   0 0 150
AMPLIFY ONLINE RETAIL ETF ETF 032108102 1,178 13,375 SH   SOLE   0 0 13,375
APPLE INC C 037833100 7,990 44,998 SH   OTR 1 0 0 44,998
ARK INNOVATION ETF ETF 00214Q104 3,440 36,367 SH   SOLE   0 0 36,367
AT&T INC COM C 00206R102 26 1,056 SH   SOLE   0 0 1,056
BERKSHIRE HATHAWAY INC DEL CL B NEW C 084670702 45 150 SH   SOLE   0 0 150
BOEING COMPANY C 097023105 15 75 SH   SOLE   0 0 75
CANOPY GROWTH CORP ISIN #CA380351009 C 138035100 1 125 SH   SOLE   0 0 125
CARNIVAL CORP C 143658300 6 300 SH   SOLE   0 0 300
CHEVRON CORP NEW C 166764100 145 1,236 SH   SOLE   0 0 1,236
CISCO SYSTEMS, INC. C 17275R102 19 300 SH   SOLE   0 0 300
COCA-COLA EUROPACIFIC PARTNERS PLC C G25839104 11 200 SH   SOLE   0 0 200
CONSOLIDATED EDISON C 209115104 27 320 SH   SOLE   0 0 320
CONSUMER STAPLES SPDR ETF 81369Y308 1,313 17,034 SH   SOLE   0 0 17,034
COSTCO WHOLESALE CORP C 22160K105 112 197 SH   SOLE   0 0 197
CROWDSTRIKE HLDGS INC C 22788C105 3 15 SH   SOLE   0 0 15
DISCOVER FINL SVCS C 254709108 104 900 SH   SOLE   0 0 900
DISNEY (WALT) CO C 254687106 46 300 SH   SOLE   0 0 300
DOMINION ENERGY INC C 25746U109 125 1,585 SH   SOLE   0 0 1,585
DT MIDSTREAM INC C 23345M107 33 693 SH   SOLE   0 0 693
DTE ENERGY COMPANY C 233331107 166 1,386 SH   SOLE   0 0 1,386
DUKE ENERGY CORP NEW COM C 26441C204 8 75 SH   SOLE   0 0 75
ELI LILLY & CO. C 532457108 36 130 SH   SOLE   0 0 130
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 247 4,457 SH   SOLE   0 0 4,457
EXXON MOBIL CORP COM C 30231G102 49 800 SH   SOLE   0 0 800
FIRST TRUST WATER ETF ETF 33733B100 1,846 19,467 SH   SOLE   0 0 19,467
FIVERR INTL LTD C M4R82T106 1 10 SH   SOLE   0 0 10
FLEXSHARES CREDITSCORED US CORP BOND INDEX ETF 33939L761 1,666 31,586 SH   OTR 1 0 0 31,586
FLEXSHARES DEV MKTS EXUS QL LOW VOLATIITY INDEX ETF 33939L647 340 12,096 SH   OTR 1 0 0 12,096
FLEXSHARES HIGH YIELD VALUESCORED BOND INDEX ETF 33939L662 1,691 34,520 SH   OTR 1 0 0 34,520
FLEXSHARES STOXX GLOBAL BROAD INFRASTRUCTURE INDEX FUND ETF 33939L795 82 1,422 SH   OTR 1 0 0 1,422
FLEXSHARES STOXX US ESG SELECT INDEX FUND ETF 33939L696 3,034 26,118 SH   SOLE   0 0 26,118
FLEXSHARES TR GLOBAL QUALITY REAL ESTATE INDEX FD ETF 33939L787 84 1,136 SH   OTR 1 0 0 1,136
FLEXSHARES TR IBOXX 3 YR TARGET DURATION TIPS INDEX FD ETF 33939L506 1,114 42,344 SH   SOLE   0 0 42,344
FLEXSHARES TR READY ACCESS VAR INCOME FD ETF 33939L886 430 5,694 SH   SOLE   0 0 5,694
FLEXSHARES US QUALITY LARGE CAP INDEX FUND ETF 33939L746 976 18,695 SH   SOLE   0 0 18,695
FLEXSHARES US QUALITY LOW VOLATILITY INDEX ETF 33939L654 1,871 32,937 SH   OTR 1 0 0 32,937
FORD MOTOR COMPANY C 345370860 29 1,400 SH   SOLE   0 0 1,400
GATX CORP C 361448103 469 4,500 SH   SOLE   0 0 4,500
GILEAD SCIENCE INC. C 375558103 232 3,200 SH   SOLE   0 0 3,200
GLOBAL X FDS ETF 37954Y673 286 9,941 SH   SOLE   0 0 9,941
GOLDMAN SACHS FSQ TREASURY INSTRUMENTS FUND INST'L CLASS (GOVT) MM 38142B500 1 1,058 SH   SOLE   0 0 1,058
Guaranteed Fixed Interest Fund III - Adv ETF 853528255 31 1,187 SH   SOLE   0 0 1,187
HASBRO INC C 418056107 20 200 SH   SOLE   0 0 200
HONEYWELL INTL C 438516106 142 683 SH   SOLE   0 0 683
INVESCO CURRENCYSHARES SWISS FRANC TRUST ETF 46138R108 10,408 105,373 SH   OTR 1 0 0 105,373
INVESCO MSCI SUSTAINABLE FUTURE ETF ETF 46137V407 83 1,246 SH   SOLE   0 0 1,246
INVESCO NATIONAL AMT FREE MUNICIPAL BOND ETF ETF 46138E537 871 32,119 SH   OTR 1 0 0 32,119
INVESCO S&P 500 HIGH DIVIDEND LOW VOLATILITY ETF ETF 46138E362 436 9,636 SH   OTR 1 0 0 9,636
INVESCO SENIOR LOAN ETF ETF 46138G508 752 34,017 SH   OTR 1 0 0 34,017
INVESCO TAXABLE MUNICIPAL BOND ETF ETF 46138G805 430 13,036 SH   OTR 1 0 0 13,036
ISHARES CORE S&P 500 ETF ETF 464287200 23,288 48,823 SH   SOLE   0 0 48,823
ISHARES CORE US AGGREGATE BOND ETF ETF 464287226 15,651 137,189 SH   SOLE   0 0 137,189
ISHARES FLOATING RATE BOND ETF ETF 46429B655 159 3,140 SH   SOLE   0 0 3,140
ISHARES GLOBAL ENERGY ETF ETF 464287341 45 1,644 SH   SOLE   0 0 1,644
ISHARES GLOBAL MATERIALS ETF ETF 464288695 6 71 SH   SOLE   0 0 71
ISHARES GOLD TRUST WF 464285204 605 17,392 SH   SOLE   0 0 17,392
ISHARES GOLDMAN SACHS TECHNOLOGY INDEX FUND ETF 464287549 4,002 9,116 SH   SOLE   0 0 9,116
ISHARES IBOXX INVESTMENT GRADE CO ETF ETF 464287242 16,700 126,016 SH   OTR 1 0 0 126,016
ISHARES INC MSCI GLOBAL SILVER AND METALS MINER ETF ETF 464286327 77 5,942 SH   OTR 1 0 0 5,942
ISHARES INTERMEDIATE TERM CORPORATE BOND ETF ETF 464288638 4,904 82,734 SH   OTR 1 0 0 82,734
ISHARES JP MORGAN USD EMERGING MKTS BD ETF ETF 464288281 213 1,953 SH   OTR 1 0 0 1,953
ISHARES LATIN AMERICA 40 ETF ETF 464287390 8 333 SH   SOLE   0 0 333
ISHARES MSCI ACWI EX US ETF ETF 464288240 357 6,415 SH   SOLE   0 0 6,415
ISHARES MSCI EAFE MINIMUM VOLATILITY ETF ETF 46429B689 291 3,788 SH   OTR 1 0 0 3,788
ISHARES MSCI EAFE VALUE ETF ETF 464288877 9,318 184,911 SH   SOLE   0 0 184,911
ISHARES NORTH AMERICAN NATURAL RES ETF ETF 464287374 3,263 103,668 SH   OTR 1 0 0 103,668
ISHARES RESIDENTIAL REAL ESTATE ETF ETF 464288562 4,904 49,921 SH   OTR 1 0 0 49,921
ISHARES S&P 500 GROWTH ETF ETF 464287309 191 2,284 SH   SOLE   0 0 2,284
iShares S&P Mid-Cap 400 Value ETF ETF 464287705 2 18 SH   OTR 1 0 0 18
iShares S&P Small-Cap 600 Growth ETF ETF 464287887 2 11 SH   OTR 1 0 0 11
ISHARES SELECT DIVIDEND ETF ETF 464287168 186 1,521 SH   OTR 1 0 0 1,521
ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 55 1,021 SH   SOLE   0 0 1,021
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 8 77 SH   SOLE   0 0 77
ISHARES SILVER TRUST WF 46428Q109 3,211 149,298 SH   OTR 1 0 0 149,298
ISHARES TIPS BOND ETF ETF 464287176 1,106 8,561 SH   SOLE   0 0 8,561
ISHARES TR 10-20 YR TREAS BD ETF ETF 464288653 604 4,069 SH   OTR 1 0 0 4,069
ISHARES TR 3-7 YR TREAS BD ETF ETF 464288661 779 6,052 SH   SOLE   0 0 6,052
ISHARES TR BARCLAYS 1-3 TREAS BD ETF ETF 464287457 1,001 11,702 SH   SOLE   0 0 11,702
ISHARES TR BARCLAYS 20 YR TREAS BD ETF ETF 464287432 8,404 56,709 SH   OTR 1 0 0 56,709
ISHARES TR BARCLAYS 7-10 YR TREAS BD ETF ETF 464287440 50 437 SH   SOLE   0 0 437
ISHARES TR COHEN & STEERS REIT ETF ETF 464287564 85 1,123 SH   SOLE   0 0 1,123
ISHARES TR DOW JONES US AEROSPACE & DEFENSE INDEX FD ETF 464288760 2,223 21,633 SH   SOLE   0 0 21,633
ISHARES TR IBOXX HIGH YIELD CORP BD ETF ETF 464288513 454 5,218 SH   OTR 1 0 0 5,218
ISHARES TR MSCI EAFE ETF ETF 464287465 359 4,566 SH   SOLE   0 0 4,566
ISHARES TR NATL AMT FREE MUNI BD ETF ETF 464288414 964 8,293 SH   SOLE   0 0 8,293
ISHARES TR RUSSELL 2000 ETF ETF 464287655 320 1,437 SH   SOLE   0 0 1,437
ISHARES TR RUSSELL 2000 VALUE ETF ETF 464287630 10,225 61,578 SH   SOLE   0 0 61,578
ISHARES TR S&P 500 VALUE ETF ETF 464287408 366 2,338 SH   SOLE   0 0 2,338
ISHARES TR S&P US PFD STOCK INDEX FUND ETF 464288687 318 8,057 SH   OTR 1 0 0 8,057
ISHARES US TREASURY BOND ETF ETF 46429B267 273 10,236 SH   OTR 1 0 0 10,236
JOHNSON & JOHNSON C 478160104 43 250 SH   SOLE   0 0 250
JPM DIVERSIFIED RETURN INTL EQUITY ETF ETF 46641Q209 27 460 SH   SOLE   0 0 460
JPMORGAN DIVERSIFIED RETURN US SMALL CAP EQUITY ETF ETF 46641Q845 500 10,875 SH   SOLE   0 0 10,875
JPMORGAN DIVERSIFIED RETURN USEQUITY ETF ETF 46641Q407 309 2,912 SH   SOLE   0 0 2,912
MERCK & CO INC NEW C 58933Y105 77 1,000 SH   SOLE   0 0 1,000
META PLATFORMS INC C 30303M102 586 1,741 SH   OTR 1 0 0 1,741
MGE ENERGY INC. - COMMON STOCK C 55277P104 150 1,820 SH   SOLE   0 0 1,820
MICROSOFT CORP C 594918104 336 1,000 SH   SOLE   0 0 1,000
MODERNA INC C 60770K107 5 20 SH   SOLE   0 0 20
MORGAN STANLEY CO C 617446448 196 2,000 SH   SOLE   0 0 2,000
MOTOROLA INC COM NEW C 620076307 154 1,073 SH   SOLE   0 0 1,073
NAVIENT CORP COM C 63938C108 11 500 SH   SOLE   0 0 500
NETFLIX COM INC C 64110L106 3,594 5,966 SH   SOLE   0 0 5,966
NEXTERA ENERGY INC COM C 65339F101 249 2,668 SH   SOLE   0 0 2,668
NORFOLK SOUTHERN CORP COM C 655844108 316 5,522 SH   SOLE   0 0 5,522
Organon & Co. C 68622V106 3 100 SH   SOLE   0 0 100
PEPSICO INC C 713448108 79 343 SH   SOLE   0 0 343
PROCTER & GAMBLE C 742718109 76 621 SH   SOLE   0 0 621
PROSHARES TR S&P 500 ARISTOCRATS ETF ETF 74348A467 186 1,892 SH   SOLE   0 0 1,892
ROPER TECHNOLGIES INC COM C 776696106 169 706 SH   SOLE   0 0 706
SALESFORCE.COM, INC. COMMON STOCK, C 79466L302 5 20 SH   SOLE   0 0 20
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY ETF ETF 808524706 10 326 SH   SOLE   0 0 326
SCHWAB STRATEGIC TR US REIT ETF ETF 808524847 4,994 94,781 SH   OTR 1 0 0 94,781
SELECT SECTOR SPDR FD HEALTH CARE ETF 81369Y209 4,900 34,781 SH   OTR 1 0 0 34,781
SELECT SECTOR SPDR TR MATLS ETF 81369Y100 287 3,164 SH   SOLE   0 0 3,164
SHOPIFY INC CLA A ISIN#CA82509L1076 C 82509L107 14 10 SH   SOLE   0 0 10
SNOWFLAKE INC C 833445109 26 108 SH   SOLE   0 0 108
SOUTHERN CO C 842587107 152 2,273 SH   SOLE   0 0 2,273
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 779 17,071 SH   OTR 1 0 0 17,071
SPDR BLOOMBERG HIGH YIELD BOND ETF NEW ETF 78468R622 18 166 SH   SOLE   0 0 166
SPDR BLOOMBERG INTERNATIONAL TREASURY BOND ETF ETF 78464A516 115 4,070 SH   SOLE   0 0 4,070
SPDR FTSE INTL GOVERNMENT INFLATION PROTECTED BD ETF ETF 78464A490 68 1,269 SH   SOLE   0 0 1,269
SPDR GOLD TR GOLD SHS WF 78463V107 5,440 31,823 SH   OTR 1 0 0 31,823
SPDR INDEX SHS FDS DJ WISHIRE GLOBAL REAL ESTATE ETF ETF 78463X749 139 2,459 SH   OTR 1 0 0 2,459
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 12,687 26,713 SH   OTR 1 0 0 26,713
SPDR SER TR S&P BIOTECH ETF ETF 78464A870 767 6,851 SH   SOLE   0 0 6,851
TESLA INC C 88160R101 445 421 SH   SOLE   0 0 421
TEXAS INSTRUMENTS INC. C 882508104 104 1,728 SH   SOLE   0 0 1,728
TRAVELERS COS INC COM C 89417E109 25 158 SH   SOLE   0 0 158
UNILEVER PLC C 904767704 27 500 SH   SOLE   0 0 500
UNION PACIFIC CORP. C 907818108 149 590 SH   SOLE   0 0 590
US BANCORP DEL COM NEW C 902973304 756 13,462 SH   SOLE   0 0 13,462
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 1,298 18,131 SH   SOLE   0 0 18,131
VANGUARD CHARLOTTE FDS TOTAL INTL BD INDEX FD ETF 92203J407 4,982 90,314 SH   SOLE   0 0 90,314
VANGUARD DEVELOPED MARKETS INDEX FUND ETF 921943858 5,481 107,351 SH   OTR 1 0 0 107,351
VANGUARD DIVIDEND APPRECIATION VIPERS ETF 921908844 22,797 132,735 SH   OTR 1 0 0 132,735
VANGUARD GROWTH VIPERS ETF 922908736 10 32 SH   SOLE   0 0 32
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1,450 12,937 SH   SOLE   0 0 12,937
VANGUARD INDEX FDS S&P 500 ETF SHS NEW ETF 922908363 5,435 12,449 SH   OTR 1 0 0 12,449
VANGUARD INTERMEDIATE TERM ETF 92206C870 253 2,724 SH   SOLE   0 0 2,724
VANGUARD INTL EQUITY FDS FTSE ALL WORLD EX USA SMALL CAP INDEX FD ETF SHS ETF 922042718 1 10 SH   SOLE   0 0 10
VANGUARD INTL EQUITY INDEX FDS FTSE EMERGING MKTS ETF 922042858 32 652 SH   SOLE   0 0 652
VANGUARD INTL EQUITY INDEX FDS GLOBAL EX-US REAL ESTATE INDEX ETF 922042676 80 1,477 SH   SOLE   0 0 1,477
VANGUARD LARGE-CAP VIPERS ETF 922908637 3,071 13,895 SH   SOLE   0 0 13,895
VANGUARD REAL ESTATE ETF ETF 922908553 5,129 44,214 SH   OTR 1 0 0 44,214
VANGUARD SCOTTSDALE FDS VANGUARD LONG TERM GOVT BOND INDEX FD ETF 92206C847 92 1,026 SH   OTR 1 0 0 1,026
VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER DISCRETIONARY VIPERS ETF 92204A108 1,588 4,663 SH   SOLE   0 0 4,663
VANGUARD SECTOR INDEX FDS VANGUARD TELECOMMUNICATION SVCS VIPERS ETF 92204A884 522 3,852 SH   SOLE   0 0 3,852
VANGUARD SHORT TERM CORP BOND INDEX FUND ETF ETF 92206C409 164 2,024 SH   SOLE   0 0 2,024
VANGUARD SMALL-CAP VALUE VIPERS ETF 922908611 3 14 SH   SOLE   0 0 14
VANGUARD TOTAL STOCK MARKET VIPERS ETF 922908769 6,041 25,020 SH   OTR 1 0 0 25,020
VANGUARD TREASURY MONEY MARKET FUND INVESTOR CLASS (GOVT) MM 921932109 1,260 1,260,235 SH   SOLE   0 0 1,260,235
VANGUARD VALUE VIPERS ETF 922908744 124 845 SH   OTR 1 0 0 845
VISA INC COM CL A C 92826C839 62 288 SH   SOLE   0 0 288
WEYERHAEUSER CO RHTA 962166104 74 1,802 SH   OTR 1 0 0 1,802
WISDOMTREE BARCLAYS U.S. AGGREGATE BOND ZERO DURATION FUND ETF 97717W380 319 6,831 SH   SOLE   0 0 6,831
WISDOMTREE TR BLOOMBERG US DOLLAR BULLISH FD ETF 97717W471 162 6,215 SH   SOLE   0 0 6,215
WISDOMTREE TR HIGH DIVID FD ETF 97717W208 454 5,506 SH   SOLE   0 0 5,506
WISDOMTREE TR US QUALITY DIVID GROWTH FD ETF 97717X669 538 8,170 SH   SOLE   0 0 8,170
ZILLOW GROUP INC CL C CAP STK C 98954M200 1 20 SH   SOLE   0 0 20