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 BBG001S5N9M6 123,537 1,220 SH   SOLE   1,220 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 682,091 6,736 SH   OTR   6,736 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 144,708 908 SH   SOLE   908 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 984,989 6,181 SH   OTR   6,181 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 89,240 2,000 SH   SOLE   2,000 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 388,194 8,700 SH   OTR   8,700 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 914,782 3,784 SH   OTR   3,784 0 0
APPLE INC COM 037833100 BBG001S5N8V8 3,859,485 23,405 SH   OTR   23,405 0 0
APPLE INC COM 037833100 BBG001S5N8V8 69,258 420 SH   SOLE   420 0 0
ARK ETF TR INNOVATION ETF 00214Q104 BBG007FJMV49 339,663 8,420 SH   OTR   8,420 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 1,024,098 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,281,396 4,150 SH   OTR   4,150 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,015,236 3,288 SH   SOLE   3,288 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,070,592 1,600 SH   OTR   1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 2,058,992 29,707 SH   OTR   29,707 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 274,500 6,000 SH   OTR   6,000 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 605,160 3,709 SH   OTR   3,709 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 751,087 14,368 SH   OTR   14,368 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,555 30 SH   SOLE   30 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 696,535 11,229 SH   OTR   11,229 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 105,451 1,700 SH   SOLE   1,700 0 0
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 383,265 5,100 SH   OTR   5,100 0 0
DATADOG INC CL A COM 23804L103 BBG003NJHZW5 1,140,181 15,692 SH   SOLE   15,692 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 321,535 3,333 SH   OTR   3,333 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 534,623 6,135 SH   OTR   6,135 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,764,957 34,333 SH   OTR   34,333 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 131,592 1,200 SH   SOLE   1,200 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 BBG0034YTRP6 958,680 36,000 SH   OTR   36,000 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 239,288 2,800 SH   OTR   2,800 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 309,876 1,050 SH   OTR   1,050 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 65,545 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 393,270 3,000 SH   OTR   3,000 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 BBG0026ZFZD3 270,750 5,000 SH   OTR   5,000 0 0
INTUIT COM 461202103 BBG001S6TWR2 300,489 674 SH   OTR   674 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 971,818 15,574 SH   OTR   15,574 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 3,893,170 26,920 SH   OTR   26,920 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 688,671 14,115 SH   OTR   14,115 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 BBG001SMLZ34 552,797 27,475 SH   OTR   27,475 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,809,630 27,070 SH   OTR   27,070 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,147,934 18,530 SH   SOLE   18,530 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 3,970,995 64,100 SH   OTR   64,100 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,978,853 31,895 SH   OTR   31,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 5,609,705 58,011 SH   SOLE   58,011 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 48,064,966 497,052 SH   OTR   497,052 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 576,057 9,680 SH   OTR   9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 1,429,356 15,680 SH   OTR   15,680 0 0
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 843,770 17,301 SH   SOLE   17,301 0 0
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 4,692,282 96,212 SH   OTR   96,212 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 257,472 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 5,860,134 81,937 SH   OTR   81,937 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 720,934 18,270 SH   OTR   18,270 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 21,678,093 96,249 SH   OTR   96,249 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 9,988,291 44,347 SH   SOLE   44,347 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,109,258 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,688,406 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 2,895,681 19,018 SH   OTR   19,018 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 2,588,256 11,411 SH   OTR   11,411 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 2,152,584 15,710 SH   OTR   15,710 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,321,250 7,406 SH   SOLE   7,406 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 4,062,684 22,773 SH   OTR   22,773 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 5,145,331 21,857 SH   OTR   21,857 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 354,386 1,505 SH   SOLE   1,505 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 2,140,315 33,500 SH   OTR   33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 1,159,692 12,391 SH   SOLE   12,391 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 674,140 7,203 SH   OTR   7,203 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 366,730 2,366 SH   OTR   2,366 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 16,940 130 SH   SOLE   130 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,464,162 18,910 SH   OTR   18,910 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 80,532 600 SH   SOLE   600 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 536,880 4,000 SH   OTR   4,000 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 235,930 687 SH   OTR   687 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 2,317,652 11,590 SH   OTR   11,590 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 517,279 1,850 SH   OTR   1,850 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,126,457 10,588 SH   OTR   10,588 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 340,448 3,200 SH   SOLE   3,200 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 576,600 2,000 SH   OTR   2,000 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 205,727 719 SH   OTR   719 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 1,264,112 16,400 SH   OTR   16,400 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 1,669,130 13,610 SH   OTR   13,610 0 0
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 253,200 3,000 SH   OTR   3,000 0 0
PEPSICO INC COM 713448108 BBG001S695T1 884,155 4,850 SH   OTR   4,850 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,609,488 16,550 SH   OTR   16,550 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 821,810 5,527 SH   OTR   5,527 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 3,375,215 23,593 SH   OTR   23,593 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 587,580 6,000 SH   OTR   6,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 195,468 1,996 SH   SOLE   1,996 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,419,117 180,225 SH   OTR   180,225 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 2,542,577 75,425 SH   OTR   75,425 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 108,344 3,214 SH   SOLE   3,214 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 314,901 9,505 SH   OTR   9,505 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 303,980 4,155 SH   OTR   4,155 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,558,965 32,230 SH   SOLE   32,230 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,008,087 144,885 SH   OTR   144,885 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 763,516 11,253 SH   SOLE   11,253 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,563,307 61,133 SH   OTR   61,133 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 959,485 22,883 SH   SOLE   22,883 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 243,530 3,500 SH   OTR   3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 10,183,447 24,875 SH   SOLE   24,875 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 50,140,295 122,476 SH   OTR   122,476 0 0
TARGET CORP COM 87612E106 BBG001SC0K41 662,520 4,000 SH   OTR   4,000 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 300,079 1,491 SH   OTR   1,491 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 2,562,081 10,271 SH   SOLE   10,271 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 1,396,725 7,477 SH   OTR   7,477 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 1,882,382 10,076 SH   SOLE   10,076 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 95,106 488 SH   OTR   488 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 605,852 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 100,955 753 SH   OTR   753 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 633,786 4,727 SH   SOLE   4,727 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,597,839 7,576 SH   OTR   7,576 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 3,575,121 43,053 SH   OTR   43,053 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 686,704 1,826 SH   SOLE   1,826 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 9,451,516 25,132 SH   OTR   25,132 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 96,050 605 SH   OTR   605 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 632,851 3,986 SH   SOLE   3,986 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,063,017 5,608 SH   OTR   5,608 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,941,064 10,240 SH   SOLE   10,240 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 88,728 410 SH   OTR   410 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 644,663 2,979 SH   SOLE   2,979 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 464,532 2,276 SH   SOLE   2,276 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 60,586,958 296,849 SH   OTR   296,849 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,413,145 24,713 SH   SOLE   24,713 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 29,590,087 553,396 SH   OTR   553,396 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 9,696,999 181,354 SH   SOLE   181,354 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,103,770 76,826 SH   SOLE   76,826 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 4,558,977 112,846 SH   OTR   112,846 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 966,665 8,849 SH   SOLE   8,849 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,600,441 14,651 SH   OTR   14,651 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 8,892,491 96,563 SH   SOLE   96,563 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 5,120,311 55,601 SH   OTR   55,601 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 898,910 12,471 SH   SOLE   12,471 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 2,766,142 38,376 SH   OTR   38,376 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 2,960,072 19,220 SH   OTR   19,220 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 10,048,551 182,006 SH   SOLE   182,006 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 30,969,045 560,932 SH   OTR   560,932 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 13,221,838 292,713 SH   OTR   292,713 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,533,897 78,236 SH   SOLE   78,236 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 199,817 5,138 SH   OTR   5,138 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 42,701 1,098 SH   SOLE   1,098 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 825,184 3,660 SH   OTR   3,660 0 0
WALMART INC COM 931142103 BBG001S5XH92 737,250 5,000 SH   OTR   5,000 0 0
WISDOMTREE TR EUROPE SMCP DV 97717W869 BBG001SHL425 231,485 3,970 SH   OTR   3,970 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 291,979 4,720 SH   OTR   4,720 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 BBG001S7DQJ9 1,027,618 7,954 SH   OTR   7,954 0 0