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
ABBOTT LABS COM 002824100 3,454 24,540 SH   SOLE   23,607 0 933
ABBVIE INC COM 00287y109 3,625 26,770 SH   SOLE   25,909 0 861
ADOBE SYSTEMS INCORPORATED COM 00724f101 316 558 SH   SOLE   558 0 0
AIR PRODS & CHEMS INC COM 009158106 455 1,497 SH   SOLE   1,497 0 0
ALLSTATE CORP COM 020002101 419 3,560 SH   SOLE   3,560 0 0
ALPHABET INC CAP STK CL C 02079k107 1,406 486 SH   SOLE   486 0 0
ALPHABET INC CAP STK CL A 02079k305 1,420 490 SH   SOLE   490 0 0
ALPHABET INC CAP STK CL A 02079k305 6 2 SH   OTR   0 0 2
ALTRIA GROUP INC COM 02209s103 223 4,712 SH   SOLE   4,712 0 0
AMAZON COM IN COM 023135106 3,671 1,101 SH   SOLE   1,101 0 0
AMAZON COM INC COM 023135106 7 2 SH   OTR   0 0 2
AMERICAN EXPRESS CO COM 025816109 431 2,632 SH   SOLE   2,632 0 0
AMERICAN TOWER CORP NEW 03027x100 339 1,160 SH   SOLE   1,160 0 0
AMGEN INC COM 031162100 1,208 5,371 SH   SOLE   3,596 0 1,775
AMGEN INC COM 031162100 2 8 SH   OTR   0 0 8
ANALOG DEVICES INC COM 032654105 1,075 6,115 SH   SOLE   6,115 0 0
ANNALY CAPITAL MGMT IN COM 035710409 1,281 163,823 SH   SOLE   102,489 0 61,334
ANNALY CAPITAL MGMT IN COM 035710409 2 294 SH   OTR   0 0 294
ANTHEM INC COM 036752103 248 534 SH   SOLE   534 0 0
APPLE INC COM 037833100 3,767 21,212 SH   SOLE   21,212 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,036 15,325 SH   SOLE   9,325 0 6,000
ARCHER DANIELS MIDLAND CO COM 039483102 2 28 SH   OTR   0 0 28
AUTOMATIC DATA PROCESSING IN COM 053015103 5,956 24,155 SH   SOLE   24,155 0 0
AVERY DENNISON CORP COM 053611109 1,083 5,000 SH   SOLE   5,000 0 0
BK OF AMERICA CORP COM 060505104 545 12,251 SH   SOLE   12,251 0 0
BECTON DICKINSON & CO COM 075887109 396 1,575 SH   SOLE   1,575 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 436 1,459 SH   SOLE   1,459 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 90 300 SH   OTR   0 0 300
BLACKROCK INC COM 09247x101 1,065 1,163 SH   SOLE   706 0 457
BLACKROCK INC COM 09247x101 2 2 SH   OTR   0 0 2
BOEING CO COM 097023105 251 1,245 SH   SOLE   1,245 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,022 16,392 SH   SOLE   10,840 0 5,552
BRISTOL MYERS SQUIBB CO COM 110122108 2 29 SH   OTR   0 0 29
BROADRIDGE FNL SOLUTIONS IN COM 11133t103 626 3,422 SH   SOLE   3,422 0 0
BROADCOM INC COM 11135f101 242 364 SH   SOLE   364 0 0
CVS HEALTH CORP COM 126650100 210 2,031 SH   SOLE   2,031 0 0
CATERPILLAR INC COM 149123101 3,116 15,070 SH   SOLE   13,397 0 1,673
CATERPILLAR INC COM 149123101 2 9 SH   OTR   0 0 9
CHEVRON CORP NEW COM 166764100 1,867 15,908 SH   SOLE   12,379 0 3,529
CHEVRON CORP NEW COM 166764100 2 17 SH   OTR   0 0 17
CISCO SYS INC COM 17275r102 1,667 26,308 SH   SOLE   19,500 0 6,808
CISCO SYS INC COM 17275r102 2 32 SH   OTR   0 0 32
COCA COLA CO COM 191216100 5,885 99,392 SH   SOLE   92,798 0 6,594
COCA COLA CO COM 191216100 2 33 SH   OTR   0 0 33
COMCAST CORP NEW CL A 20030n101 1,611 32,008 SH   SOLE   24,644 0 7,364
COMCAST CORP NEW CL A 20030n101 2 35 SH   OTR   0 0 35
CONOCOPHILLIPS COM 20825c104 7,732 107,126 SH   SOLE   106,086 0 1,040
COSTCO WHSL CORP NEW COM 22160k105 835 1,470 SH   SOLE   1,470 0 0
DEXCOM INC COM 252131107 293 546 SH   SOLE   546 0 0
DISNEY WALT CO COM 254687106 564 3,643 SH   SOLE   3,643 0 0
DOW INC COM 260557103 21,416 377,582 SH   SOLE   62,761 0 314,821
DUPONT DE NEMOURS INC COM 26614n102 13,122 162,442 SH   SOLE   35,930 0 126,512
EMERSON ELEC CO COM 291011104 1,052 11,311 SH   SOLE   7,445 0 3,866
EMERSON ELEC CO COM 291011104 2 19 SH   OTR   0 0 19
EXXON MOBIL CORP COM 30231g102 1,530 25,001 SH   SOLE   24,776 0 225
META PLATFORMS INC CL A 30303m102 861 2,559 SH   SOLE   2,559 0 0
GILEAD SCIENCES INC COM 375558103 1,091 15,028 SH   SOLE   9,931 0 5,097
GILEAD SCIENCES INC COM 375558103 2 26 SH   OTR   0 0 26
HERSHEY CO COM 427866108 3,994 20,645 SH   SOLE   20,645 0 0
HOME DEPOT INC COM 437076102 4,164 10,033 SH   SOLE   8,923 0 1,110
HOME DEPOT INC COM 437076102 2 6 SH   OTR   0 0 6
HONEYWELL INTL INC COM 438516106 1,869 8,965 SH   SOLE   8,965 0 0
INTEL CORP COM 458140100 1,621 31,485 SH   SOLE   31,485 0 0
INTERNATIONAL BUSINESS MACS COM 459200101 419 3,138 SH   SOLE   3,138 0 0
INTERNATIONAL BUSINESS MACS COM 459200101 27 200 SH   OTR   0 0 200
INVESCO QQQ TR UNIT SER 1 46090e103 9,959 25,031 SH   SOLE   22,580 0 2,451
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 1,602 85,096 SH   SOLE   54,755 0 30,341
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 3 147 SH   OTR   0 0 147
ISHARES INC MSCI AUST ETF 464286103 11,818 475,952 SH   SOLE   231,553 0 244,399
ISHARES INC MSCI AUST ETF 464286103 178 7,162 SH   OTR   0 0 7,162
ISHARES TR SELECT DIVID ETF 464287168 782 6,380 SH   SOLE   6,000 0 380
ISHARES TR CORE S&P500 ETF 464287200 201 422 SH   SOLE   422 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,181 44,644 SH   SOLE   35,334 0 9,310
ISHARES TR S&P 500 GRWT ETF 464287309 12,226 146,120 SH   SOLE   145,320 0 800
ISHARES TR MSCI EAFE ETF 464287465 11,728 149,055 SH   SOLE   129,930 0 19,125
ISHARES TR RUS MID CAP ETF 464287499 22,045 265,572 SH   SOLE   149,718 0 115,854
ISHARES TR RUS MID CAP ETF 464287499 286 3,450 SH   OTR   0 0 3,450
ISHARES TR CORE S&P MCP ETF 464287507 20,257 71,558 SH   SOLE   41,901 0 29,657
ISHARES TR CORE S&P MCP ETF 464287507 247 872 SH   OTR   0 0 872
ISHARES TR COHEN STEER REIT 464287564 647 8,502 SH   SOLE   8,502 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,521 8,250 SH   SOLE   8,250 0 0
ISHARES TR RUS 1000 ETF 464287622 29,195 110,406 SH   SOLE   52,428 0 57,978
ISHARES TR RUS 1000 ETF 464287622 529 2,002 SH   OTR   0 0 2,002
ISHARES TR RUS 2000 GRW ETF 464287648 3,193 10,897 SH   SOLE   10,897 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,058 9,250 SH   SOLE   9,150 0 100
ISHARES TR U.S TECH ETF 464287721 2,503 21,800 SH   SOLE   21,800 0 0
ISHARES TR CORE S&P SCP ETF 464287804 703 6,135 SH   SOLE   6,135 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,919 27,940 SH   SOLE   27,940 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,426 50,538 SH   SOLE   31,978 0 18,560
ISHARES TR MSCI ACWI ETF 464288257 3,323 31,415 SH   SOLE   24,771 0 6,644
ISHARES TR NATIONAL MUN ETF 464288414 16,745 144,003 SH   SOLE   85,453 0 58,550
ISHARES TR INTRM GOV CR ETF 464288612 90,267 793,556 SH   SOLE   426,519 0 367,037
ISHARES TR INTRM GOV CR ETF 464288612 1,934 17,004 SH   OTR   60 0 16,944
ISHARES TR ISHS 5-10YR INVT 464288638 10,767 181,659 SH   SOLE   98,661 0 82,998
ISHARES TR ISHS 5-10YR INVT 464288638 183 3,090 SH   OTR   0 0 3,090
ISHARES TR ISHS 1-5YR INVT 464288646 16,605 308,186 SH   SOLE   169,951 0 138,235
ISHARES TR ISHS 1-5YR INVT 464288646 321 5,950 SH   OTR   42 0 5,908
ISHARES TR 3 7 YR TREAS BD 464288661 225 1,752 SH   SOLE   979 0 773
ISHARES TR PFD AND INCM SEC 464288687 2,295 58,199 SH   SOLE   25,459 0 32,740
ISHARES TR PFD AND INCM SEC 464288687 3 72 SH   OTR   0 0 72
ISHARES TR CORE MSCI TOTAL 46432f834 635 8,956 SH   SOLE   7,356 0 1,600
ISHARES TR CORE MSCI EAFE 46432f842 28,835 386,319 SH   SOLE   188,114 0 198,205
ISHARES TR CORE MSCI EAFE 46432f842 436 5,841 SH   OTR   0 0 5,841
ISHARES TR RUSEL 2500 ETF 46435g268 210 3,169 SH   SOLE   2,192 0 977
ISHARES TR RUSEL 2500 ETF 46435g268 15 219 SH   OTR   124 0 95
JPMORGAN CHASE & CO COM 46625h100 5,988 37,817 SH   SOLE   35,553 0 2,264
JPMORGAN CHASE & CO COM 46625h100 33 210 SH   OTR   0 0 210
JOHNSON & JOHNSON COM 478160104 10,654 62,280 SH   SOLE   62,255 0 25
JOHNSON & JOHNSON COM 478160104 43 250 SH   OTR   0 0 250
LOCKHEED MARTIN CORP COM 539830109 262 737 SH   SOLE   737 0 0
LOWES COS INC COM 548661107 644 2,491 SH   SOLE   2,491 0 0
MARATHON OIL CORP COM 565849106 286 17,406 SH   SOLE   17,406 0 0
MARATHON PETROLEUM CORP COM 56585a102 506 7,905 SH   SOLE   7,905 0 0
MASTERCARD INCORPORATED CL A 57636q104 337 938 SH   SOLE   938 0 0
MCDONALDS CORP COM 580135101 1,330 4,961 SH   SOLE   3,423 0 1,538
MCDONALDS CORP COM 580135101 2 8 SH   OTR   0 0 8
MERCK & CO INC COM 58933y105 2,683 35,008 SH   SOLE   35,008 0 0
MICROSOFT CORP COM 594918104 14,093 41,904 SH   SOLE   40,576 0 1,328
MICROSOFT CORP COM 594918104 2 6 SH   OTR   0 0 6
MORGAN STANLEY COM NEW 617446448 343 3,492 SH   SOLE   3,492 0 0
NETFLIX INC COM 64110l106 214 356 SH   SOLE   356 0 0
NEXTERA ENERGY INC COM 65339f101 1,339 14,337 SH   SOLE   10,252 0 4,085
NEXTERA ENERGY INC COM 65339f101 2 22 SH   OTR   0 0 22
NIKE INC CL B 654106103 205 1,230 SH   SOLE   1,230 0 0
NVIDIA CORPORATION COM 67066g104 344 1,168 SH   SOLE   1,168 0 0
ORACLE CORP COM 68389x105 1,092 12,527 SH   SOLE   7,811 0 4,716
ORACLE CORP COM 68389x105 2 19 SH   OTR   0 0 19
PNC FINL SVCS GROUP INC COM 693475105 1,445 7,204 SH   SOLE   7,204 0 0
PNC FINL SVCS GROUP INC COM 693475105 8 40 SH   OTR   0 0 40
PAYPAL HLDGS INC COM 70450y103 380 2,015 SH   SOLE   2,015 0 0
PFIZER INC COM 717081103 1,788 30,285 SH   SOLE   21,313 0 8,972
PFIZER INC COM 717081103 26 438 SH   OTR   0 0 438
PHILLIPS 66 COM 718546104 4,958 68,421 SH   SOLE   67,901 0 520
PROCTER & GAMBLE CO COM 742718109 3,408 20,835 SH   SOLE   8,682 0 12,153
PROCTER & GAMBLE CO COM 742718109 2 13 SH   OTR   0 0 13
PRUDENTIAL FINL INC COM 744320102 1,044 9,646 SH   SOLE   6,270 0 3,376
PRUDENTIAL FINL INC COM 744320102 2 17 SH   OTR   0 0 17
QUALCOMM INC COM 747525103 1,268 6,936 SH   SOLE   4,570 0 2,366
QUALCOMM INC COM 747525103 3 14 SH   OTR   0 0 14
SBA COMMUNICATIONS CORP NEW CL A 78410g104 229 589 SH   SOLE   589 0 0
SPDR S&P 500 ETF TR TR UNIT 78462f103 150,284 316,413 SH   SOLE   144,906 0 171,507
SPDR S&P 500 ETF TR TR UNIT 78462f103 2,495 5,253 SH   OTR   46 0 5,207
SPDR SER TR BLOOMBERG HIGH Y 78468r622 6,405 58,995 SH   SOLE   46,029 0 12,966
SPDR SER TR BLOOMBERG HIGH Y 78468r622 5 47 SH   OTR   0 0 47
SANOFI SPONSORED ADR 80105n105 894 17,843 SH   SOLE   10,893 0 6,950
SANOFI SPONSORED ADR 80105n105 2 37 SH   OTR   0 0 37
SCHWAB STRATEGIC TRUST US DIVIDEND EQ 808524797 20,255 250,589 SH   SOLE   126,551 0 124,038
SCHWAB STRATEGIC TRUST US DIVIDEND EQ 808524797 284 3,509 SH   OTR   0 0 3,509
SELECT SECTOR SPDR TR ENERGY 81369y506 459 8,269 SH   SOLE   344 0 7,925
SELECT SECTOR SPDR TR FINANCIAL 81369y605 1,253 32,088 SH   SOLE   32,088 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369y803 1,132 6,510 SH   SOLE   6,510 0 0
TESLA INC COM 88160r101 462 437 SH   SOLE   437 0 0
TEXAS INSTRS INC COM 882508104 1,424 7,554 SH   SOLE   5,696 0 1,858
TEXAS INSTRS INC COM 882508104 2 9 SH   OTR   0 0 9
THERMO FISHER SCIENTIFIC INC COM 883556102 911 1,366 SH   SOLE   1,366 0 0
3M CO COM 88579y101 2,319 13,058 SH   SOLE   12,658 0 400
US BANCORP DEL COM NEW 902973304 1,004 17,878 SH   SOLE   11,222 0 6,656
US BANCORP DEL COM NEW 902973304 2 29 SH   OTR   0 0 29
UNION PAC CORP COM 907818108 8,190 32,509 SH   SOLE   30,928 0 1,581
UNION PAC CORP COM 907818108 2 8 SH   OTR   0 0 8
UNITED PARCEL SERVICE INC CL B 911312106 1,108 5,168 SH   SOLE   3,246 0 1,922
UNITED PARCEL SERVICE INC CL B 911312106 2 10 SH   OTR   0 0 10
UNITEDHEALTH GROUP INC COM 91324p102 718 1,430 SH   SOLE   1,430 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 222 3,487 SH   SOLE   2,406 0 1,081
VANGUARD STAR FDS VG TL INTL STK F 921909768 14 227 SH   OTR   124 0 103
VANGUARD BD INDEX FDS INTERMED TERM 921937819 508 5,803 SH   SOLE   0 0 5,803
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 42,717 836,607 SH   SOLE   431,628 0 404,979
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 475 9,301 SH   OTR   0 0 9,301
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,622 255,189 SH   SOLE   120,712 0 134,477
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 167 3,385 SH   OTR   0 0 3,385
VANGUARD INDEX FDS MID CAP ETF 922908629 200 786 SH   SOLE   98 0 688
VANGUARD INDEX FDS LARGE CAP ETF 922908637 654 2,959 SH   SOLE   0 0 2,959
VANGUARD INDEX FDS GROWTH ETF 922908736 1,484 4,626 SH   SOLE   4,626 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,485 10,097 SH   SOLE   9,597 0 500
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,408 85,873 SH   SOLE   43,859 0 42,014
VANGUARD INDEX FDS SMALL CP ETF 922908751 288 1,273 SH   OTR   0 0 1,273
VERIZON COMMUNICATIONS INC COM 92343v104 1,848 35,566 SH   SOLE   23,927 0 11,639
VERIZON COMMUNICATIONS INC COM 92343v104 50 953 SH   OTR   0 0 953
VISA INC COM CL A 92826c839 1,011 4,666 SH   SOLE   4,666 0 0
WALMART INC COM 931142103 1,001 6,917 SH   SOLE   4,561 0 2,356
WALMART INC COM 931142103 2 12 SH   OTR   0 0 12
EATON CORP PLC SHS g29183103 1,092 6,320 SH   SOLE   3,806 0 2,514
EATON CORP PLC SHS g29183103 2 12 SH   OTR   0 0 12
MEDTRONIC PLC SHS g5960l103 841 8,128 SH   SOLE   5,262 0 2,866
MEDTRONIC PLC SHS g5960l103 2 15 SH   OTR   0 0 15
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 845 9,157 SH   SOLE   5,663 0 3,494
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 6 68 SH   OTR   0 0 68