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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
3M COCOM88579Y1013591,862SH OTR 1,86200
ABBOTT LABSCOM0028241001801,500SH SOLE 1,50000
ABBOTT LABSCOM0028241008266,893SH OTR 6,89300
ABBVIE INCCOM00287Y1091081,000SH SOLE 1,00000
ABBVIE INCCOM00287Y1096696,186SH OTR 6,18600
ALTRIA GROUP INCCOM02209S1031022,000SH SOLE 2,00000
ALTRIA GROUP INCCOM02209S1034458,700SH OTR 8,70000
AMAZON COM INCCOM023135106548177SH OTR 17700
AMERICAN EXPRESS COCOM0258161092321,640SH OTR 1,64000
AMGEN INCCOM0311621008713,500SH OTR 3,50000
APPLE INCCOM0378331002181,788SH SOLE 1,78800
APPLE INCCOM0378331005,64146,180SH OTR 46,18000
AT&T INCCOM00206R1021826,008SH OTR 6,00800
AT&T INCCOM00206R102732,406SH SOLE 2,40600
AUTOMATIC DATA PROCESSING INCOM0530151038674,600SH OTR 4,60000
BERKSHIRE HATHAWAY INC DELCL B NEW0846707021,0604,150SH OTR 4,15000
BLACKLINE INCCOM09239B1092752,534SH SOLE 2,53400
BLACKROCK INCCOM09247X1011,2061,600SH OTR 1,60000
BRISTOL-MYERS SQUIBB COCOM1101221081,95130,899SH OTR 30,89900
CARRIER GLOBAL CORPORATIONCOM14448C1043097,317SH OTR 7,31700
CHEVRON CORP NEWCOM166764100875SH SOLE 7500
CHEVRON CORP NEWCOM1667641002792,666SH OTR 2,66600
CISCO SYS INCCOM17275R102128SH SOLE 2800
CISCO SYS INCCOM17275R10291417,680SH OTR 17,68000
COCA COLA COCOM19121610082115,575SH OTR 15,57500
COCA COLA COCOM191216100901,700SH SOLE 1,70000
COLGATE PALMOLIVE COCOM1941621034025,100SH OTR 5,10000
DATADOG INCCL A COM23804L1034395,268SH SOLE 5,26800
DUKE ENERGY CORP NEWCOM NEW26441C2043223,333SH OTR 3,33300
EMERSON ELEC COCOM2910111047418,215SH OTR 8,21500
EXXON MOBIL CORPCOM30231G102771,375SH SOLE 1,37500
EXXON MOBIL CORPCOM30231G1021,54427,651SH OTR 27,65100
FIRST TR EXCHANGE-TRADED FDNO AMER ENERGY33738D10127011,850SH OTR 11,85000
GENERAL ELECTRIC COCOM369604103715,376SH OTR 5,37600
GENERAL ELECTRIC COCOM369604103755,735SH SOLE 5,73500
GLAXOSMITHKLINE PLCSPONSORED ADR37733W1054125SH SOLE 12500
GLAXOSMITHKLINE PLCSPONSORED ADR37733W1053138,762SH OTR 8,76200
HOME DEPOT INCCOM4370761025181,697SH OTR 1,69700
HOME DEPOT INCCOM4370761021550SH SOLE 5000
INTERNATIONAL BUSINESS MACHSCOM4592001014003,000SH OTR 3,00000
INTERNATIONAL BUSINESS MACHSCOM45920010167500SH SOLE 50000
INTUITCOM461202103258674SH OTR 67400
INVESCO EXCH TRADED FD TR IIS&P500 LOW VOL46138E3543205,510SH OTR 5,51000
ISHARES TRCORE MSCI EAFE46432F8426869,520SH OTR 9,52000
ISHARES TRCORE MSCI TOTAL46432F8341,30218,530SH SOLE 18,53000
ISHARES TRCORE MSCI TOTAL46432F8345,69581,034SH OTR 81,03400
ISHARES TRCORE S&P MCP ETF464287507159610SH SOLE 61000
ISHARES TRCORE S&P MCP ETF4642875077,37928,350SH OTR 28,35000
ISHARES TRCORE S&P SCP ETF46428780444,935414,036SH OTR 414,03600
ISHARES TRCORE S&P SCP ETF46428780412,434114,572SH SOLE 114,57200
ISHARES TREAFE SML CP ETF4642882736959,680SH OTR 9,68000
ISHARES TREAFE SML CP ETF4642882733745,212SH SOLE 5,21200
ISHARES TRMSCI ACWI ETF4642882572,84029,844SH OTR 29,84400
ISHARES TRMSCI ACWI EX US4642882401,29323,441SH SOLE 23,44100
ISHARES TRMSCI ACWI EX US4642882406,096110,471SH OTR 110,47100
ISHARES TRMSCI EAFE ETF4642874657,52099,111SH OTR 99,11100
ISHARES TRMSCI EAFE ETF4642874653414,500SH SOLE 4,50000
ISHARES TRMSCI EMG MKT ETF46428723476114,271SH OTR 14,27100
ISHARES TRRUS 1000 ETF46428762218,09580,840SH SOLE 80,84000
ISHARES TRRUS 1000 ETF46428762220,68792,421SH OTR 92,42100
ISHARES TRRUS 1000 GRW ETF4642876143,66915,096SH OTR 15,09600
ISHARES TRRUS 1000 GRW ETF4642876141,1034,540SH SOLE 4,54000
ISHARES TRRUS 1000 VAL ETF4642875982,78418,368SH OTR 18,36800
ISHARES TRRUS 1000 VAL ETF46428759899650SH SOLE 65000
ISHARES TRRUS 2000 GRW ETF4642876481,4504,823SH OTR 4,82300
ISHARES TRRUS 2000 VAL ETF4642876304,50728,265SH OTR 28,26500
ISHARES TRRUS 2000 VAL ETF4642876301,4479,071SH SOLE 9,07100
ISHARES TRRUSSELL 2000 ETF4642876555,28923,941SH SOLE 23,94100
ISHARES TRRUSSELL 2000 ETF4642876556,56329,705SH OTR 29,70500
ISHARES TRRUSSELL 3000 ETF4642876897,74832,660SH OTR 32,66000
ISHARES TRRUSSELL 3000 ETF4642876891,1734,943SH SOLE 4,94300
ISHARES TRS&P 500 GRWT ETF4642873092,18133,500SH OTR 33,50000
ISHARES TRS&P SML 600 GWT46428788766517SH SOLE 51700
ISHARES TRS&P SML 600 GWT4642878871,0578,247SH OTR 8,24700
ISHARES TRSP SMCP600VL ETF4642878791,72817,151SH SOLE 17,15100
ISHARES TRSP SMCP600VL ETF4642878794894,849SH OTR 4,84900
JOHNSON & JOHNSONCOM478160104850SH SOLE 5000
JOHNSON & JOHNSONCOM4781601042071,257SH OTR 1,25700
JPMORGAN CHASE & COCOM46625H10072470SH SOLE 47000
JPMORGAN CHASE & COCOM46625H1002,67617,580SH OTR 17,58000
KIMBERLY-CLARK CORPCOM4943681037475,372SH OTR 5,37200
KIMBERLY-CLARK CORPCOM49436810383600SH SOLE 60000
LOWES COS INCCOM5486611072,20411,590SH OTR 11,59000
MCDONALDS CORPCOM5801351011150SH SOLE 5000
MCDONALDS CORPCOM5801351014031,800SH OTR 1,80000
MERCK & CO. INCCOM58933Y1052473,200SH SOLE 3,20000
MERCK & CO. INCCOM58933Y10599212,874SH OTR 12,87400
MOTOROLA SOLUTIONS INCCOM NEW6200763072131,133SH OTR 1,13300
NEXTERA ENERGY INCCOM65339F1011,87824,840SH OTR 24,84000
NIKE INCCL B6541061032,30117,317SH OTR 17,31700
OKTA INCCL A6792951053611,638SH SOLE 1,63800
OTIS WORLDWIDE CORPCOM68902V1072503,658SH OTR 3,65800
PEPSICO INCCOM713448108750SH SOLE 5000
PEPSICO INCCOM7134481084673,300SH OTR 3,30000
PFIZER INCCOM7170811032817,754SH OTR 7,75400
PFIZER INCCOM7170811035150SH SOLE 15000
PHILIP MORRIS INTL INCCOM7181721091,50116,915SH OTR 16,91500
PHILIP MORRIS INTL INCCOM718172109450SH SOLE 5000
PROCTER AND GAMBLE COCOM7427181095153,804SH OTR 3,80400
PROCTER AND GAMBLE COCOM74271810914100SH SOLE 10000
PROGRESSIVE CORPCOM7433151033,44236,000SH OTR 36,00000
RAYTHEON TECHNOLOGIES CORPCOM75513E1011541,996SH SOLE 1,99600
RAYTHEON TECHNOLOGIES CORPCOM75513E1015657,317SH OTR 7,31700
SCHWAB STRATEGIC TRUS LRG CAP ETF80852420199310,345SH SOLE 10,34500
SCHWAB STRATEGIC TRUS LRG CAP ETF8085242011,51615,788SH OTR 15,78800
SCHWAB STRATEGIC TRUS MID-CAP ETF8085245084025,402SH OTR 5,40200
SCHWAB STRATEGIC TRUS MID-CAP ETF80852450883811,253SH SOLE 11,25300
SCHWAB STRATEGIC TRUS SML CAP ETF8085246074434,445SH OTR 4,44500
SCHWAB STRATEGIC TRUS SML CAP ETF8085246079239,260SH SOLE 9,26000
SOUTHERN COCOM8425871072183,500SH OTR 3,50000
SPDR INDEX SHS FDSDJ GLB RL ES ETF78463X7491,36128,816SH SOLE 28,81600
SPDR INDEX SHS FDSDJ GLB RL ES ETF78463X7492545,370SH OTR 5,37000
SPDR S&P 500 ETF TRTR UNIT78462F10310,79627,240SH SOLE 27,24000
SPDR S&P 500 ETF TRTR UNIT78462F10356,894143,552SH OTR 143,55200
STEEL PARTNERS HLDGS L PLTD PRTRSHIP U85814R10763045,816SH SOLE 45,81600
STEEL PARTNERS HLDGS L PLTD PRTRSHIP U85814R1071,00973,351SH OTR 73,35100
TARGET CORPCOM87612E1067924,000SH OTR 4,00000
VANGUARD INDEX FDSGROWTH ETF9229087362,64010,271SH SOLE 10,27100
VANGUARD INDEX FDSLARGE CAP ETF9229086374192,259SH OTR 2,25900
VANGUARD INDEX FDSLARGE CAP ETF9229086371,6689,000SH SOLE 9,00000
VANGUARD INDEX FDSMCAP GR IDXVIP9229085386673,109SH SOLE 3,10900
VANGUARD INDEX FDSMCAP VL IDXVIP9229085125243,887SH SOLE 3,88700
VANGUARD INDEX FDSREAL ESTATE ETF92290855375815SH SOLE 81500
VANGUARD INDEX FDSREAL ESTATE ETF9229085531,69818,488SH OTR 18,48800
VANGUARD INDEX FDSS&P 500 ETF SHS9229083638,31222,816SH OTR 22,81600
VANGUARD INDEX FDSS&P 500 ETF SHS9229083632,0805,710SH SOLE 5,71000
VANGUARD INDEX FDSSM CP VAL ETF9229086115243,163SH SOLE 3,16300
VANGUARD INDEX FDSSMALL CP ETF9229087512,67812,508SH SOLE 12,50800
VANGUARD INDEX FDSSMALL CP ETF922908751108504SH OTR 50400
VANGUARD INDEX FDSSML CP GRW ETF9229085956542,380SH SOLE 2,38000
VANGUARD INDEX FDSTOTAL STK MKT9229087696012,906SH SOLE 2,90600
VANGUARD INDEX FDSTOTAL STK MKT9229087692,95514,296SH OTR 14,29600
VANGUARD INDEX FDSVALUE ETF9229087443,16424,071SH SOLE 24,07100
VANGUARD INTL EQUITY INDEX FALLWRLD EX US92204277528,424468,420SH OTR 468,42000
VANGUARD INTL EQUITY INDEX FALLWRLD EX US92204277517,978296,268SH SOLE 296,26800
VANGUARD INTL EQUITY INDEX FFTSE EMR MKT ETF9220428584,49786,401SH OTR 86,40100
VANGUARD INTL EQUITY INDEX FFTSE EMR MKT ETF922042858721,390SH SOLE 1,39000
VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF9220427182,10016,360SH OTR 16,36000
VANGUARD INTL EQUITY INDEX FTT WRLD ST ETF9220427423,20832,977SH SOLE 32,97700
VANGUARD INTL EQUITY INDEX FTT WRLD ST ETF9220427422933,012SH OTR 3,01200
VANGUARD STAR FDSVG TL INTL STK F9219097682,02732,335SH OTR 32,33500
VANGUARD STAR FDSVG TL INTL STK F92190976810,585168,816SH SOLE 168,81600
VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF92194385810,086205,368SH OTR 205,36800
VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF9219438581,06821,739SH SOLE 21,73900
VISA INCCOM CL A92826C8397753,660SH OTR 3,66000
WALMART INCCOM9311421039426,937SH OTR 6,93700
ZIMMER BIOMET HOLDINGS INCCOM98956P1021,3148,211SH OTR 8,21100