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
KIWI PROPERTY GRP NPV COM 00BTDY2M7   7 10,000 SH   SOLE   10,000 0 0
AT&T INC COM 00206R102   2,214 73,243 SH   SOLE   66,447 0 6,796
AT&T INC COM 00206R102   66 2,193 SH   OTR   2,193 0 0
ABBOTT LABS COM 002824100   521 5,695 SH   SOLE   5,695 0 0
ABBOTT LABS COM 002824100   20 220 SH   OTR   220 0 0
ABBVIE INC COM 00287Y109   413 4,204 SH   SOLE   4,204 0 0
ABBVIE INC COM 00287Y109   85 870 SH   OTR   870 0 0
ADOBE INC COM 00724F101   887 2,037 SH   SOLE   2,037 0 0
AMAZON COM INC COM 023135106   808 293 SH   SOLE   293 0 0
AMAZON COM INC COM 023135106   33 12 SH   OTR   12 0 0
AMGEN INC COM 031162100   425 1,802 SH   SOLE   1,802 0 0
AMGEN INC COM 031162100   13 56 SH   OTR   56 0 0
APPLE INC COM 037833100   1,963 5,380 SH   SOLE   5,380 0 0
APPLE INC COM 037833100   88 241 SH   OTR   241 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   194 1,300 SH   SOLE   1,300 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   55 370 SH   OTR   370 0 0
BP PLC SPONSORED ADR 055622104   56 2,422 SH   SOLE   2,422 0 0
BP PLC SPONSORED ADR 055622104   373 16,000 SH   OTR   16,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   371 2,081 SH   SOLE   2,081 0 0
BOEING CO COM 097023105   703 3,834 SH   SOLE   3,834 0 0
BOEING CO COM 097023105   8 41 SH   OTR   41 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   197 3,355 SH   SOLE   3,355 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   72 1,217 SH   OTR   1,217 0 0
CSX CORP COM 126408103   313 4,488 SH   SOLE   4,488 0 0
CATERPILLAR INC DEL COM 149123101   1,524 12,049 SH   SOLE   12,049 0 0
CHEVRON CORP NEW COM 166764100   565 6,337 SH   SOLE   6,337 0 0
CHEVRON CORP NEW COM 166764100   5 54 SH   OTR   54 0 0
CISCO SYS INC COM 17275R102   452 9,683 SH   SOLE   9,683 0 0
CISCO SYS INC COM 17275R102   73 1,557 SH   OTR   1,557 0 0
COCA COLA CO COM 191216100   463 10,369 SH   SOLE   10,369 0 0
COMCAST CORP NEW CL A 20030N101   462 11,845 SH   SOLE   9,839 0 2,006
COMCAST CORP NEW CL A 20030N101   36 920 SH   OTR   920 0 0
CONOCOPHILLIPS COM 20825C104   252 6,001 SH   SOLE   6,001 0 0
CONSOLIDATED EDISON INC COM 209115104   259 3,600 SH   SOLE   3,600 0 0
COSTCO WHSL CORP NEW COM 22160K105   376 1,239 SH   SOLE   1,239 0 0
COSTCO WHSL CORP NEW COM 22160K105   58 191 SH   OTR   191 0 0
DISNEY WALT CO COM DISNEY 254687106   283 2,541 SH   SOLE   2,541 0 0
DISNEY WALT CO COM DISNEY 254687106   19 171 SH   OTR   171 0 0
DOMINION ENERGY INC COM 25746U109   946 11,657 SH   SOLE   11,657 0 0
DOMINION ENERGY INC COM 25746U109   52 636 SH   OTR   636 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   361 4,522 SH   SOLE   4,522 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   24 300 SH   OTR   300 0 0
ETF SER SOLUTIONS VIDENT INTL EQ 26922A404   576 28,346 SH   SOLE   28,346 0 0
ETF SER SOLUTIONS VIDENTCORE EQ FD 26922A503   464 16,909 SH   SOLE   16,909 0 0
ETF SER SOLUTIONS VIDENT CORE US 26922A602   264 5,198 SH   SOLE   5,198 0 0
EVERSOURCE ENERGY COM 30040W108   203 2,436 SH   SOLE   2,436 0 0
EXXON MOBIL CORP COM 30231G102   885 19,799 SH   SOLE   19,799 0 0
EXXON MOBIL CORP COM 30231G102   151 3,367 SH   OTR   3,367 0 0
GENERAL ELECTRIC CO COM 369604103   248 36,339 SH   SOLE   36,339 0 0
GENERAL ELECTRIC CO COM 369604103   23 3,355 SH   OTR   3,355 0 0
GENERAL MLS INC COM 370334104   203 3,300 SH   SOLE   3,300 0 0
HOME DEPOT INC COM 437076102   785 3,132 SH   SOLE   3,132 0 0
HOME DEPOT INC COM 437076102   192 768 SH   OTR   768 0 0
HONEYWELL INTL INC COM 438516106   376 2,602 SH   SOLE   2,602 0 0
INTEL CORP COM 458140100   784 13,097 SH   SOLE   13,097 0 0
INTEL CORP COM 458140100   167 2,792 SH   OTR   2,792 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,695 30,598 SH   SOLE   30,523 0 75
INTERNATIONAL BUSINESS MACHS COM 459200101   192 1,592 SH   OTR   1,592 0 0
ISHARES TR CORE US AGGBD ET 464287226   237,170 2,006,348 SH   SOLE   2,005,112 0 1,236
ISHARES TR CORE US AGGBD ET 464287226   1,758 14,872 SH   OTR   14,872 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,311 32,778 SH   SOLE   32,778 0 0
ISHARES TR IBOXX INV CP ETF 464287242   355 2,638 SH   SOLE   2,638 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440   281 2,306 SH   SOLE   2,306 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   232,563 2,685,171 SH   SOLE   2,684,291 0 880
ISHARES TR 1 3 YR TREAS BD 464287457   1,178 13,603 SH   OTR   13,603 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,857 79,785 SH   SOLE   79,235 0 550
ISHARES TR MSCI EAFE ETF 464287465   162 2,659 SH   OTR   2,659 0 0
ISHARES TR RUS MID CAP ETF 464287499   485 9,048 SH   SOLE   9,048 0 0
ISHARES TR CORE S&P MCP ETF 464287507   125,672 706,739 SH   SOLE   706,480 0 259
ISHARES TR CORE S&P MCP ETF 464287507   738 4,151 SH   OTR   4,151 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   1,644 14,595 SH   SOLE   14,595 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   56 494 SH   OTR   494 0 0
ISHARES TR RUS 1000 ETF 464287622   870 5,065 SH   SOLE   5,065 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,357 25,250 SH   SOLE   25,250 0 0
ISHARES TR S&P MC 400VL ETF 464287705   129 971 SH   OTR   971 0 0
ISHARES TR CORE S&P SCP ETF 464287804   121,017 1,772,103 SH   SOLE   1,771,656 0 447
ISHARES TR CORE S&P SCP ETF 464287804   607 8,895 SH   OTR   8,895 0 0
ISHARES TR MSCI KLD400 SOC 464288570   770 6,527 SH   SOLE   6,527 0 0
ISHARES TR SH TR CRPORT ETF 464288646   400,167 7,314,324 SH   SOLE   7,312,916 0 1,408
ISHARES TR SH TR CRPORT ETF 464288646   1,685 30,796 SH   OTR   30,796 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   598 4,472 SH   SOLE   4,472 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   38 285 SH   OTR   285 0 0
ISHARES TR MSCI USA ESG SLC 464288802   353 2,642 SH   SOLE   2,642 0 0
ISHARES TR CORE MSCI EAFE 46432F842   167,528 2,930,863 SH   SOLE   2,930,135 0 728
ISHARES TR CORE MSCI EAFE 46432F842   974 17,034 SH   OTR   17,034 0 0
ISHARES INC CORE MSCI EMKT 46434G103   126,668 2,661,091 SH   SOLE   2,660,272 0 819
ISHARES INC CORE MSCI EMKT 46434G103   884 18,563 SH   OTR   18,563 0 0
ISHARES TR CORE MSCI PAC 46434V696   358 6,794 SH   SOLE   6,794 0 0
JPMORGAN CHASE & CO COM 46625H100   511 5,429 SH   SOLE   5,429 0 0
JPMORGAN CHASE & CO COM 46625H100   70 745 SH   OTR   745 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837   8,553 168,590 SH   SOLE   168,590 0 0
JOHNSON & JOHNSON COM 478160104   1,273 9,055 SH   SOLE   9,055 0 0
JOHNSON & JOHNSON COM 478160104   192 1,368 SH   OTR   1,368 0 0
LOCKHEED MARTIN CORP COM 539830109   302 828 SH   SOLE   828 0 0
LOCKHEED MARTIN CORP COM 539830109   182 500 SH   OTR   500 0 0
LOWES COS INC COM 548661107   228 1,691 SH   SOLE   1,691 0 0
MARATHON OIL CORP COM 565849106   145 23,649 SH   SOLE   23,649 0 0
MARATHON PETE CORP COM 56585A102   857 22,924 SH   SOLE   22,924 0 0
MCDONALDS CORP COM 580135101   731 3,963 SH   SOLE   3,963 0 0
MCDONALDS CORP COM 580135101   55 300 SH   OTR   300 0 0
MERCK & CO. INC COM 58933Y105   1,613 20,855 SH   SOLE   20,855 0 0
MERCK & CO. INC COM 58933Y105   97 1,258 SH   OTR   1,258 0 0
MICROSOFT CORP COM 594918104   7,017 34,477 SH   SOLE   34,477 0 0
MICROSOFT CORP COM 594918104   338 1,663 SH   OTR   1,663 0 0
NEXTERA ENERGY INC COM 65339F101   187 778 SH   SOLE   778 0 0
NEXTERA ENERGY INC COM 65339F101   49 206 SH   OTR   206 0 0
NIKE INC CL B 654106103   236 2,407 SH   SOLE   2,407 0 0
NORFOLK SOUTHERN CORP COM 655844108   193 1,101 SH   SOLE   1,101 0 0
NORFOLK SOUTHERN CORP COM 655844108   176 1,000 SH   OTR   1,000 0 0
NVIDIA CORPORATION COM 67066G104   2,491 6,556 SH   SOLE   6,556 0 0
NVIDIA CORPORATION COM 67066G104   26 68 SH   OTR   68 0 0
PPG INDS INC COM 693506107   283 2,666 SH   OTR   2,666 0 0
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403   7 13,150 SH   SOLE   13,150 0 0
PEPSICO INC COM 713448108   584 4,415 SH   SOLE   4,415 0 0
PEPSICO INC COM 713448108   260 1,969 SH   OTR   1,969 0 0
PFIZER INC COM 717081103   1,482 45,330 SH   SOLE   45,330 0 0
PFIZER INC COM 717081103   233 7,118 SH   OTR   7,118 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   49,609 932,674 SH   SOLE   932,260 0 414
PIMCO ETF TR 1-5 US TIP IDX 72201R205   180 3,386 SH   OTR   3,386 0 0
PROCTER AND GAMBLE CO COM 742718109   934 7,815 SH   SOLE   7,815 0 0
PROCTER AND GAMBLE CO COM 742718109   160 1,338 SH   OTR   1,338 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   155 2,519 SH   SOLE   2,519 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   213 3,456 SH   OTR   3,456 0 0
S&P GLOBAL INC COM 78409V104   878 2,666 SH   OTR   2,666 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   283,350 918,894 SH   SOLE   918,186 0 708
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,259 7,327 SH   OTR   7,327 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   122,272 3,901,463 SH   SOLE   3,900,584 0 879
SPDR SER TR PORTFOLIO SHORT 78464A474   317 10,100 SH   OTR   10,100 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   287 884 SH   SOLE   884 0 0
SOUTHERN CO COM 842587107   454 8,764 SH   SOLE   8,764 0 0
SOUTHERN CO COM 842587107   27 519 SH   OTR   519 0 0
STARBUCKS CORP COM 855244109   802 10,896 SH   SOLE   10,896 0 0
STARBUCKS CORP COM 855244109   3 40 SH   OTR   40 0 0
TARGET CORP COM 87612E106   245 2,043 SH   SOLE   2,043 0 0
TARGET CORP COM 87612E106   63 523 SH   OTR   523 0 0
3M CO COM 88579Y101   203 1,299 SH   SOLE   1,299 0 0
3M CO COM 88579Y101   128 819 SH   OTR   819 0 0
TRUIST FINL CORP COM 89832Q109   214 5,702 SH   SOLE   5,702 0 0
UNION PAC CORP COM 907818108   232 1,372 SH   SOLE   1,372 0 0
UNION PAC CORP COM 907818108   13 77 SH   OTR   77 0 0
UNITEDHEALTH GROUP INC COM 91324P102   223 755 SH   SOLE   755 0 0
UNITEDHEALTH GROUP INC COM 91324P102   50 168 SH   OTR   168 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   289 5,745 SH   SOLE   5,745 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   134,134 1,622,720 SH   SOLE   1,622,720 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   50 600 SH   OTR   600 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   27,998 294,279 SH   SOLE   294,279 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   15,019 75,246 SH   SOLE   75,130 0 116
VANGUARD INDEX FDS SML CP GRW ETF 922908595   345 1,730 SH   OTR   1,730 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   169 1,034 SH   SOLE   1,034 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   73 445 SH   OTR   445 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   284 1,988 SH   SOLE   1,988 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   15,296 75,687 SH   SOLE   75,539 0 148
VANGUARD INDEX FDS GROWTH ETF 922908736   75 371 SH   OTR   371 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   243,710 2,447,137 SH   SOLE   2,446,543 0 594
VANGUARD INDEX FDS VALUE ETF 922908744   1,810 18,172 SH   OTR   18,172 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   548 3,504 SH   SOLE   3,504 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,448 26,260 SH   SOLE   23,886 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104   82 1,495 SH   OTR   1,495 0 0
WALMART INC COM 931142103   977 8,156 SH   SOLE   8,156 0 0
WALMART INC COM 931142103   55 458 SH   OTR   458 0 0