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
KIWI PROPERTY GRP NPV COM 00BTDY2M7 9 10,000 SH   SOLE   10,000 0 0
AT&T INC COM 00206R102 1,527 53,085 SH   SOLE   46,289 0 6,796
AT&T INC COM 00206R102 32 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100 583 5,326 SH   SOLE   5,326 0 0
ABBVIE INC COM 00287Y109 547 5,101 SH   SOLE   5,101 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 676 1,351 SH   SOLE   1,351 0 0
ALPHABET INC CAP STK CL C 02079K107 422 241 SH   SOLE   241 0 0
AMAZON COM INC COM 023135106 681 209 SH   SOLE   209 0 0
AMAZON COM INC COM 023135106 33 10 SH   OTR   10 0 0
AMERICAN EXPRESS CO COM 025816109 216 1,788 SH   SOLE   1,788 0 0
AMGEN INC COM 031162100 449 1,955 SH   SOLE   1,955 0 0
APPLE INC COM 037833100 3,006 22,653 SH   SOLE   22,653 0 0
APPLE INC COM 037833100 14 108 SH   OTR   0 108 0
AUTOMATIC DATA PROCESSING IN COM 053015103 272 1,545 SH   SOLE   1,545 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 482 2,079 SH   SOLE   2,079 0 0
BOEING CO COM 097023105 889 4,153 SH   SOLE   4,153 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 515 5,902 SH   SOLE   5,902 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 475 7,651 SH   SOLE   7,651 0 0
CSX CORP COM 126408103 444 4,895 SH   SOLE   4,895 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 225 5,957 SH   SOLE   5,957 0 0
CATERPILLAR INC COM 149123101 2,052 11,274 SH   SOLE   11,274 0 0
CHEVRON CORP NEW COM 166764100 605 7,159 SH   SOLE   7,159 0 0
CISCO SYS INC COM 17275R102 653 14,586 SH   SOLE   14,586 0 0
COCA COLA CO COM 191216100 600 10,939 SH   SOLE   10,939 0 0
COMCAST CORP NEW CL A 20030N101 733 13,992 SH   SOLE   11,986 0 2,006
CONOCOPHILLIPS COM 20825C104 253 6,326 SH   SOLE   6,326 0 0
CONSOLIDATED EDISON INC COM 209115104 220 3,047 SH   SOLE   3,047 0 0
COSTCO WHSL CORP NEW COM 22160K105 541 1,435 SH   SOLE   1,435 0 0
DISNEY WALT CO COM 254687106 886 4,891 SH   SOLE   4,891 0 0
DOMINION ENERGY INC COM 25746U109 1,046 13,911 SH   SOLE   13,911 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 569 6,210 SH   SOLE   6,210 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 27 300 SH   OTR   300 0 0
ETF SER SOLUTIONS VIDENT INTL EQ 26922A404 695 28,047 SH   SOLE   28,047 0 0
ETF SER SOLUTIONS VIDENTCORE EQ FD 26922A503 589 16,909 SH   SOLE   16,909 0 0
ETF SER SOLUTIONS VIDENT CORE US 26922A602 311 5,989 SH   SOLE   5,989 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 207 10,543 SH   SOLE   10,543 0 0
EVERSOURCE ENERGY COM 30040W108 211 2,436 SH   SOLE   2,436 0 0
EXXON MOBIL CORP COM 30231G102 803 19,483 SH   SOLE   19,483 0 0
FEDEX CORP COM 31428X106 212 815 SH   SOLE   815 0 0
GENERAL ELECTRIC CO COM 369604103 366 33,934 SH   SOLE   33,934 0 0
GREENHUNTER RES INC COM 39530A104 0 10,200 SH   SOLE   10,200 0 0
HERSHEY CO COM 427866108 308 2,021 SH   SOLE   2,021 0 0
HOME DEPOT INC COM 437076102 1,587 5,976 SH   SOLE   5,976 0 0
HONEYWELL INTL INC COM 438516106 566 2,662 SH   SOLE   2,662 0 0
INTEL CORP COM 458140100 841 16,880 SH   SOLE   16,880 0 0
INTEL CORP COM 458140100 80 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,811 30,276 SH   SOLE   30,201 0 75
ISHARES TR CORE S&P500 ETF 464287200 258 688 SH   OTR   688 0 0
ISHARES TR CORE US AGGBD ET 464287226 215,715 1,825,158 SH   SOLE   1,824,222 0 936
ISHARES TR CORE US AGGBD ET 464287226 155 1,315 SH   OTR   1,315 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,297 25,104 SH   SOLE   25,104 0 0
ISHARES TR IBOXX INV CP ETF 464287242 531 3,841 SH   SOLE   3,841 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 216 1,802 SH   SOLE   1,802 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 289,275 3,348,861 SH   SOLE   3,347,478 0 1,383
ISHARES TR 1 3 YR TREAS BD 464287457 299 3,465 SH   OTR   1,329 2,136 0
ISHARES TR MSCI EAFE ETF 464287465 5,396 73,953 SH   SOLE   73,403 0 550
ISHARES TR CORE S&P MCP ETF 464287507 167,961 730,807 SH   SOLE   730,560 0 247
ISHARES TR CORE S&P MCP ETF 464287507 98 425 SH   OTR   233 192 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,907 13,947 SH   SOLE   13,947 0 0
ISHARES TR RUS 1000 ETF 464287622 891 4,204 SH   SOLE   4,204 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 233 1,043 SH   SOLE   1,043 0 0
ISHARES TR S&P MC 400VL ETF 464287705 5,536 64,152 SH   SOLE   64,152 0 0
ISHARES TR CORE S&P SCP ETF 464287804 166,294 1,809,513 SH   SOLE   1,809,111 0 402
ISHARES TR CORE S&P SCP ETF 464287804 103 1,118 SH   OTR   604 514 0
ISHARES TR MSCI KLD400 SOC 464288570 509 7,108 SH   SOLE   7,108 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 438,775 7,953,146 SH   SOLE   7,951,646 0 1,500
ISHARES TR ISHS 1-5YR INVS 464288646 269 4,883 SH   OTR   4,883 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 599 4,507 SH   SOLE   4,507 0 0
ISHARES TR MSCI USA ESG SLC 464288802 435 5,284 SH   SOLE   5,284 0 0
ISHARES TR CORE MSCI EAFE 46432F842 213,352 3,088,033 SH   SOLE   3,087,331 0 702
ISHARES TR CORE MSCI EAFE 46432F842 151 2,180 SH   OTR   1,580 600 0
ISHARES INC CORE MSCI EMKT 46434G103 173,379 2,794,636 SH   SOLE   2,793,855 0 781
ISHARES INC CORE MSCI EMKT 46434G103 101 1,620 SH   OTR   874 746 0
ISHARES TR CORE MSCI PAC 46434V696 431 6,692 SH   SOLE   6,692 0 0
JPMORGAN CHASE & CO COM 46625H100 842 6,625 SH   SOLE   6,625 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 8,642 170,146 SH   SOLE   170,146 0 0
JOHNSON & JOHNSON COM 478160104 1,762 11,196 SH   SOLE   11,196 0 0
LOCKHEED MARTIN CORP COM 539830109 325 915 SH   SOLE   915 0 0
MARATHON OIL CORP COM 565849106 156 23,349 SH   SOLE   23,349 0 0
MARATHON PETE CORP COM 56585A102 948 22,924 SH   SOLE   22,924 0 0
MCDONALDS CORP COM 580135101 1,110 5,174 SH   SOLE   5,174 0 0
MCDONALDS CORP COM 580135101 43 200 SH   OTR   200 0 0
MERCK & CO. INC COM 58933Y105 617 7,546 SH   SOLE   7,546 0 0
MERCK & CO. INC COM 58933Y105 33 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104 7,506 33,749 SH   SOLE   33,749 0 0
MICROSOFT CORP COM 594918104 10 45 SH   OTR   0 45 0
NEXTERA ENERGY INC COM 65339F101 432 5,605 SH   SOLE   5,605 0 0
NIKE INC CL B 654106103 333 2,355 SH   SOLE   2,355 0 0
NORFOLK SOUTHN CORP COM 655844108 528 2,221 SH   SOLE   2,221 0 0
NVIDIA CORPORATION COM 67066G104 3,177 6,084 SH   SOLE   6,084 0 0
ORACLE CORP COM 68389X105 246 3,798 SH   SOLE   3,798 0 0
OTIS WORLDWIDE CORP COM 68902V107 250 3,705 SH   SOLE   3,705 0 0
PPG INDS INC COM 693506107 383 2,655 SH   SOLE   2,655 0 0
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 9 13,150 SH   SOLE   13,150 0 0
PEPSICO INC COM 713448108 1,046 7,056 SH   SOLE   7,056 0 0
PEPSICO INC COM 713448108 30 200 SH   OTR   200 0 0
PFIZER INC COM 717081103 1,014 27,536 SH   SOLE   27,536 0 0
PHILIP MORRIS INTL INC COM 718172109 277 3,344 SH   SOLE   3,344 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 53,881 994,478 SH   SOLE   994,047 0 431
PROCTER AND GAMBLE CO COM 742718109 1,535 11,035 SH   SOLE   11,035 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 355 4,966 SH   SOLE   4,966 0 0
S&P GLOBAL INC COM 78409V104 829 2,523 SH   SOLE   2,523 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 331,025 885,378 SH   SOLE   884,676 0 702
SPDR S&P 500 ETF TR TR UNIT 78462F103 267 715 SH   OTR   603 112 0
SPDR GOLD TR GOLD SHS 78463V107 1,358 7,615 SH   SOLE   7,615 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 134,068 4,269,674 SH   SOLE   4,268,755 0 919
SPDR SER TR PORTFOLIO SHORT 78464A474 38 1,203 SH   OTR   1,203 0 0
SOUTHERN CO COM 842587107 565 9,203 SH   SOLE   9,203 0 0
SOUTHERN CO COM 842587107 18 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109 1,134 10,603 SH   SOLE   10,603 0 0
TARGET CORP COM 87612E106 472 2,671 SH   SOLE   2,671 0 0
3M CO COM 88579Y101 524 2,999 SH   SOLE   2,999 0 0
UNION PAC CORP COM 907818108 359 1,725 SH   SOLE   1,725 0 0
UNITEDHEALTH GROUP INC COM 91324P102 351 1,002 SH   SOLE   1,002 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 227 1,607 SH   SOLE   1,607 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 226 2,470 SH   SOLE   2,470 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 340 5,647 SH   SOLE   5,647 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 149,730 1,798,556 SH   SOLE   1,798,556 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 32,095 330,398 SH   SOLE   330,398 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 22,942 85,712 SH   SOLE   85,596 0 116
VANGUARD INDEX FDS MID CAP ETF 922908629 322 1,559 SH   SOLE   1,559 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 349 1,988 SH   SOLE   1,988 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 21,319 84,151 SH   SOLE   84,003 0 148
VANGUARD INDEX FDS VALUE ETF 922908744 311,805 2,621,095 SH   SOLE   2,620,510 0 585
VANGUARD INDEX FDS VALUE ETF 922908744 195 1,640 SH   OTR   1,302 338 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 672 3,452 SH   SOLE   3,452 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,943 33,073 SH   SOLE   30,699 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104 46 782 SH   OTR   782 0 0
WEC ENERGY GROUP INC COM 92939U106 206 2,242 SH   SOLE   2,242 0 0
WALMART INC COM 931142103 737 5,111 SH   SOLE   5,111 0 0
XYLEM INC COM 98419M100 332 3,260 SH   SOLE   3,060 0 200