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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,251,456 6,400 SH   SOLE   5,900 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   175,895 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   704,202 1,682 SH   SOLE   1,682 0 0
AFLAC INC COM 001055102   469,927 4,543 SH   SOLE   4,543 0 0
AFLAC INC COM 001055102   64,650 625 SH   OTR   625 0 0
AT&T INC COM 00206R102   493,061 21,654 SH   SOLE   21,654 0 0
AT&T INC COM 00206R102   60,340 2,650 SH   OTR   2,650 0 0
ABBOTT LABS COM 002824100   644,500 5,698 SH   SOLE   5,698 0 0
ABBOTT LABS COM 002824100   35,290 312 SH   OTR   312 0 0
ABBVIE INC COM 00287Y109   2,339,598 13,166 SH   SOLE   13,166 0 0
ABBVIE INC COM 00287Y109   176,100 991 SH   OTR   991 0 0
ADOBE INC COM 00724F101   969,847 2,181 SH   SOLE   2,181 0 0
ADOBE INC COM 00724F101   22,234 50 SH   OTR   50 0 0
AIR PRODS & CHEMS INC COM 009158106   566,448 1,953 SH   SOLE   1,953 0 0
AIR PRODS & CHEMS INC COM 009158106   69,319 239 SH   OTR   239 0 0
ALLIANT ENERGY CORP COM 018802108   189,839 3,210 SH   SOLE   3,210 0 0
ALLIANT ENERGY CORP COM 018802108   17,742 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101   260,844 1,353 SH   SOLE   1,353 0 0
ALPHABET INC CAP STK CL C 02079K107   399,924 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL A 02079K305   4,855,545 25,650 SH   SOLE   25,650 0 0
ALPHABET INC CAP STK CL A 02079K305   205,390 1,085 SH   OTR   1,085 0 0
AMAZON COM INC COM 023135106   4,656,552 21,225 SH   SOLE   21,225 0 0
AMAZON COM INC COM 023135106   87,756 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,861,466 6,272 SH   SOLE   6,272 0 0
AMERIPRISE FINL INC COM 03076C106   316,795 595 SH   SOLE   595 0 0
AMERIPRISE FINL INC COM 03076C106   21,297 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   835,351 3,205 SH   SOLE   2,905 0 300
AMGEN INC COM 031162100   110,772 425 SH   OTR   425 0 0
APPLE INC COM 037833100   11,733,929 46,857 SH   SOLE   46,857 0 0
APPLE INC COM 037833100   420,705 1,680 SH   OTR   1,680 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   186,469 637 SH   SOLE   637 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   121,482 415 SH   OTR   415 0 0
AUTOZONE INC COM 053332102   393,846 123 SH   SOLE   123 0 0
AUTOZONE INC COM 053332102   16,010 5 SH   OTR   5 0 0
BANK AMERICA CORP COM 060505104   1,180,189 26,853 SH   SOLE   26,453 0 400
BANK AMERICA CORP COM 060505104   56,036 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,722,852 6,007 SH   SOLE   6,007 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   302,791 668 SH   OTR   668 0 0
BLACKSTONE INC COM 09260D107   279,837 1,623 SH   SOLE   1,623 0 0
BLACKROCK INC COM 09290D101   1,018,959 994 SH   SOLE   994 0 0
BLACKROCK INC COM 09290D101   101,485 99 SH   OTR   99 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   323,557 5,720 SH   SOLE   5,720 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   107,464 1,900 SH   OTR   1,900 0 0
BROADCOM INC COM 11135F101   3,743,520 16,147 SH   SOLE   16,147 0 0
CAPITAL ONE FINL CORP COM 14040H105   222,008 1,245 SH   SOLE   1,245 0 0
CATERPILLAR INC COM 149123101   931,204 2,567 SH   SOLE   2,567 0 0
CHEVRON CORP NEW COM 166764100   2,144,935 14,809 SH   SOLE   14,809 0 0
CHEVRON CORP NEW COM 166764100   93,421 645 SH   OTR   645 0 0
CISCO SYS INC COM 17275R102   1,037,608 17,527 SH   SOLE   15,677 0 1,850
CISCO SYS INC COM 17275R102   86,728 1,465 SH   OTR   1,465 0 0
CINTAS CORP COM 172908105   325,571 1,782 SH   SOLE   1,782 0 0
COCA COLA CO COM 191216100   1,409,255 22,635 SH   SOLE   22,635 0 0
COCA COLA CO COM 191216100   58,213 935 SH   OTR   935 0 0
COLGATE PALMOLIVE CO COM 194162103   424,822 4,673 SH   SOLE   4,673 0 0
COLGATE PALMOLIVE CO COM 194162103   34,909 384 SH   OTR   384 0 0
COMCAST CORP NEW CL A 20030N101   238,390 6,352 SH   SOLE   6,352 0 0
CONOCOPHILLIPS COM 20825C104   720,569 7,266 SH   SOLE   7,266 0 0
COSTCO WHSL CORP NEW COM 22160K105   586,412 640 SH   SOLE   640 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   4,282,209 103,435 SH   SOLE   103,200 235 0
DISNEY WALT CO COM 254687106   405,648 3,643 SH   SOLE   3,643 0 0
DISNEY WALT CO COM 254687106   11,135 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   256,902 4,769 SH   SOLE   4,769 0 0
DOMINION ENERGY INC COM 25746U109   11,849 220 SH   OTR   220 0 0
DOVER CORP COM 260003108   243,692 1,299 SH   SOLE   1,299 0 0
EMERSON ELEC CO COM 291011104   193,950 1,565 SH   SOLE   1,565 0 0
EMERSON ELEC CO COM 291011104   12,393 100 SH   OTR   100 0 0
EXXON MOBIL CORP COM 30231G102   1,380,984 12,838 SH   SOLE   12,638 0 200
EXXON MOBIL CORP COM 30231G102   259,243 2,410 SH   OTR   2,410 0 0
META PLATFORMS INC CL A 30303M102   2,990,199 5,107 SH   SOLE   5,107 0 0
META PLATFORMS INC CL A 30303M102   46,840 80 SH   OTR   80 0 0
FISERV INC COM 337738108   935,482 4,554 SH   SOLE   4,554 0 0
FISERV INC COM 337738108   22,596 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,407,160 60,497 SH   SOLE   59,672 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   9,769 420 SH   OTR   420 0 0
GENERAL DYNAMICS CORP COM 369550108   642,125 2,437 SH   SOLE   2,037 0 400
GENERAL DYNAMICS CORP COM 369550108   337,267 1,280 SH   OTR   1,280 0 0
GILEAD SCIENCES INC COM 375558103   430,998 4,666 SH   SOLE   4,666 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   207,861 363 SH   SOLE   363 0 0
HOME DEPOT INC COM 437076102   2,391,899 6,149 SH   SOLE   5,649 0 500
HOME DEPOT INC COM 437076102   478,457 1,230 SH   OTR   1,230 0 0
HONEYWELL INTL INC COM 438516106   312,179 1,382 SH   SOLE   1,382 0 0
HONEYWELL INTL INC COM 438516106   33,883 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   274,098 1,081 SH   SOLE   366 0 715
ILLINOIS TOOL WKS INC COM 452308109   181,295 715 SH   OTR   715 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   600,510 4,030 SH   SOLE   4,030 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   462,522 2,104 SH   SOLE   2,104 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   54,957 250 SH   OTR   250 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,174,410 2,250 SH   SOLE   2,250 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   39,147 75 SH   OTR   75 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   287,727 1,642 SH   SOLE   1,642 0 0
ISHARES TR CORE S&P500 ETF 464287200   5,421,154 9,209 SH   SOLE   9,209 0 0
ISHARES TR CORE US AGGBD ET 464287226   14,481,414 149,447 SH   SOLE   149,197 250 0
ISHARES TR CORE US AGGBD ET 464287226   572,194 5,905 SH   OTR   5,905 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   627,592 15,007 SH   SOLE   15,007 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   24,046 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,274,926 58,732 SH   SOLE   58,512 220 0
ISHARES TR IBOXX INV CP ETF 464287242   143,699 1,345 SH   OTR   1,345 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   300,021 2,955 SH   SOLE   2,955 0 0
ISHARES TR S&P 500 VAL ETF 464287408   263,796 1,382 SH   SOLE   1,382 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,362,109 70,918 SH   SOLE   70,698 110 110
ISHARES TR MSCI EAFE ETF 464287465   345,688 4,572 SH   OTR   4,572 0 0
ISHARES TR RUS MID CAP ETF 464287499   6,032,150 68,237 SH   SOLE   68,129 60 48
ISHARES TR RUS MID CAP ETF 464287499   110,234 1,247 SH   OTR   1,247 0 0
ISHARES TR US CONSUM DISCRE 464287580   283,613 2,950 SH   SOLE   2,950 0 0
ISHARES TR US CONSUM DISCRE 464287580   107,869 1,122 SH   OTR   1,122 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   218,861 545 SH   SOLE   545 0 0
ISHARES TR RUS 1000 ETF 464287622   367,906 1,142 SH   SOLE   1,142 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,732,612 12,367 SH   SOLE   12,347 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   125,947 570 SH   OTR   570 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,022,698 12,035 SH   SOLE   12,035 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   10,027 30 SH   OTR   30 0 0
ISHARES TR U.S. TECH ETF 464287721   428,789 2,688 SH   SOLE   2,688 0 0
ISHARES TR U.S. TECH ETF 464287721   142,770 895 SH   OTR   895 0 0
ISHARES TR US INDUSTRIALS 464287754   333,933 2,501 SH   SOLE   2,501 0 0
ISHARES TR US INDUSTRIALS 464287754   65,691 492 SH   OTR   492 0 0
ISHARES TR U.S. FINLS ETF 464287788   1,066,433 9,644 SH   SOLE   9,644 0 0
ISHARES TR U.S. FINLS ETF 464287788   125,397 1,134 SH   OTR   1,134 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   522,126 4,950 SH   SOLE   4,950 0 0
ISHARES TR NATIONAL MUN ETF 464288414   729,867 6,850 SH   SOLE   6,850 0 0
ISHARES TR IBOXX HI YD ETF 464288513   299,263 3,805 SH   SOLE   3,805 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   246,762 4,305 SH   SOLE   4,305 0 0
ISHARES TR US TREAS BD ETF 46429B267   205,716 8,952 SH   SOLE   8,952 0 0
ISHARES TR BROAD USD HIGH 46435U853   4,400,010 119,598 SH   SOLE   119,458 140 0
ISHARES TR BROAD USD HIGH 46435U853   247,780 6,735 SH   OTR   6,735 0 0
JPMORGAN CHASE & CO. COM 46625H100   2,336,932 9,749 SH   SOLE   9,734 0 15
JPMORGAN CHASE & CO. COM 46625H100   200,157 835 SH   OTR   835 0 0
JOHNSON & JOHNSON COM 478160104   1,065,704 7,369 SH   SOLE   7,369 0 0
JOHNSON & JOHNSON COM 478160104   89,664 620 SH   OTR   620 0 0
KIMBERLY-CLARK CORP COM 494368103   44,160 337 SH   SOLE   337 0 0
KIMBERLY-CLARK CORP COM 494368103   196,560 1,500 SH   OTR   1,500 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   935,115 4,447 SH   SOLE   4,447 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   92,523 440 SH   OTR   440 0 0
LABCORP HOLDINGS INC COM SHS 504922105   248,812 1,085 SH   SOLE   1,085 0 0
LABCORP HOLDINGS INC COM SHS 504922105   8,026 35 SH   OTR   35 0 0
ELI LILLY & CO COM 532457108   2,225,676 2,883 SH   SOLE   2,883 0 0
ELI LILLY & CO COM 532457108   285,640 370 SH   OTR   370 0 0
LOWES COS INC COM 548661107   562,457 2,279 SH   SOLE   2,279 0 0
MARATHON PETE CORP COM 56585A102   255,424 1,831 SH   SOLE   1,831 0 0
MARATHON PETE CORP COM 56585A102   27,900 200 SH   OTR   200 0 0
MARVELL TECHNOLOGY INC COM 573874104   263,423 2,385 SH   SOLE   2,385 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,430,690 2,717 SH   SOLE   2,717 0 0
MCDONALDS CORP COM 580135101   3,073,703 10,603 SH   SOLE   10,603 0 0
MCDONALDS CORP COM 580135101   127,551 440 SH   OTR   440 0 0
MERCK & CO INC COM 58933Y105   1,599,439 16,078 SH   SOLE   16,078 0 0
MERCK & CO INC COM 58933Y105   9,948 100 SH   OTR   100 0 0
MICROSOFT CORP COM 594918104   11,465,319 27,201 SH   SOLE   26,696 0 505
MICROSOFT CORP COM 594918104   954,697 2,265 SH   OTR   2,265 0 0
MONDELEZ INTL INC CL A 609207105   324,632 5,435 SH   SOLE   5,435 0 0
MONDELEZ INTL INC CL A 609207105   8,362 140 SH   OTR   140 0 0
MOODYS CORP COM 615369105   213,016 450 SH   SOLE   450 0 0
MORGAN STANLEY COM NEW 617446448   1,802,321 14,336 SH   SOLE   14,336 0 0
MORGAN STANLEY COM NEW 617446448   83,603 665 SH   OTR   665 0 0
NEXTERA ENERGY INC COM 65339F101   1,730,883 24,144 SH   SOLE   23,544 0 600
NEXTERA ENERGY INC COM 65339F101   356,657 4,975 SH   OTR   4,975 0 0
NORFOLK SOUTHN CORP COM 655844108   659,976 2,812 SH   SOLE   1,862 0 950
NORFOLK SOUTHN CORP COM 655844108   21,123 90 SH   OTR   90 0 0
NVIDIA CORPORATION COM 67066G104   8,366,535 62,302 SH   SOLE   62,302 0 0
NVIDIA CORPORATION COM 67066G104   127,575 950 SH   OTR   950 0 0
ORACLE CORP COM 68389X105   2,199,814 13,201 SH   SOLE   12,201 0 1,000
ORACLE CORP COM 68389X105   304,118 1,825 SH   OTR   1,825 0 0
PNC FINL SVCS GROUP INC COM 693475105   272,111 1,411 SH   SOLE   1,411 0 0
PEPSICO INC COM 713448108   474,691 3,121 SH   SOLE   3,121 0 0
PEPSICO INC COM 713448108   295,604 1,944 SH   OTR   1,944 0 0
PHILIP MORRIS INTL INC COM 718172109   485,732 4,036 SH   SOLE   4,036 0 0
PHILIP MORRIS INTL INC COM 718172109   24,070 200 SH   OTR   200 0 0
PROCTER AND GAMBLE CO COM 742718109   2,371,308 14,144 SH   SOLE   13,844 0 300
PROCTER AND GAMBLE CO COM 742718109   172,679 1,030 SH   OTR   1,030 0 0
PROGRESSIVE CORP COM 743315103   216,367 903 SH   SOLE   903 0 0
PROGRESSIVE CORP COM 743315103   41,931 175 SH   OTR   175 0 0
PROLOGIS INC. COM 74340W103   575,747 5,447 SH   SOLE   5,447 0 0
PROLOGIS INC. COM 74340W103   23,465 222 SH   OTR   222 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   309,824 3,667 SH   SOLE   3,667 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   10,561 125 SH   OTR   125 0 0
PUBLIC STORAGE OPER CO COM 74460D109   489,883 1,636 SH   SOLE   1,636 0 0
PUBLIC STORAGE OPER CO COM 74460D109   13,175 44 SH   OTR   44 0 0
RTX CORPORATION COM 75513E101   1,247,577 10,781 SH   SOLE   10,781 0 0
RTX CORPORATION COM 75513E101   109,355 945 SH   OTR   945 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,440,142 7,576 SH   SOLE   7,576 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   32,234 55 SH   OTR   55 0 0
SPDR GOLD TR GOLD SHS 78463V107   586,680 2,423 SH   SOLE   2,423 0 0
SPDR GOLD TR GOLD SHS 78463V107   7,263 30 SH   OTR   30 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   5,695,643 264,299 SH   SOLE   263,904 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   153,867 7,140 SH   OTR   7,140 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,702,100 207,141 SH   SOLE   207,141 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   733,647 31,650 SH   SOLE   31,650 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,548,105 163,190 SH   SOLE   161,990 1,200 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   265,879 9,540 SH   OTR   9,540 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   875,821 33,595 SH   SOLE   32,530 1,065 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   984,314 35,522 SH   SOLE   35,522 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,163,460 161,000 SH   SOLE   160,820 180 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   37,238 1,440 SH   OTR   1,440 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,862,262 69,931 SH   SOLE   69,861 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   36,216 1,360 SH   OTR   1,360 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,876,003 105,271 SH   SOLE   105,271 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   32,101 1,175 SH   OTR   1,175 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,085,703 383,011 SH   SOLE   383,011 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   13,505 730 SH   OTR   730 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,294,632 145,138 SH   SOLE   145,138 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   937,908 11,147 SH   SOLE   11,147 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   23,895 284 SH   OTR   284 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,583,151 18,777 SH   SOLE   18,777 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,490,995 18,967 SH   SOLE   18,967 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,499,034 11,139 SH   SOLE   11,139 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,063,297 12,413 SH   SOLE   12,413 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   19,016 222 SH   OTR   222 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,853,838 59,049 SH   SOLE   59,049 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,478,669 18,812 SH   SOLE   18,812 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,695,550 37,397 SH   SOLE   37,397 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   26,739 115 SH   OTR   115 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,611,256 26,973 SH   SOLE   26,973 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,840 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   690,657 16,982 SH   SOLE   16,982 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   858,703 11,345 SH   SOLE   11,345 0 0
SEMPRA COM 816851109   417,898 4,764 SH   SOLE   4,764 0 0
SEMPRA COM 816851109   35,088 400 SH   OTR   400 0 0
SERVICENOW INC COM 81762P102   313,795 296 SH   SOLE   296 0 0
SHERWIN WILLIAMS CO COM 824348106   974,579 2,867 SH   SOLE   2,867 0 0
SHERWIN WILLIAMS CO COM 824348106   43,850 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   228,273 2,773 SH   SOLE   2,773 0 0
SOUTHERN CO COM 842587107   37,867 460 SH   OTR   460 0 0
STRYKER CORPORATION COM 863667101   369,771 1,027 SH   SOLE   1,027 0 0
SYNOPSYS INC COM 871607107   840,643 1,732 SH   SOLE   1,732 0 0
TJX COS INC NEW COM 872540109   1,488,620 12,322 SH   SOLE   12,322 0 0
T-MOBILE US INC COM 872590104   1,158,611 5,249 SH   SOLE   5,249 0 0
TESLA INC COM 88160R101   1,157,405 2,866 SH   SOLE   2,866 0 0
TEXAS INSTRS INC COM 882508104   1,365,260 7,281 SH   SOLE   7,281 0 0
TEXAS INSTRS INC COM 882508104   27,188 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,084,041 4,006 SH   SOLE   3,406 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   41,618 80 SH   OTR   80 0 0
3M CO COM 88579Y101   348,543 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   25,818 200 SH   OTR   200 0 0
UDR INC COM 902653104   113,603 2,617 SH   SOLE   457 0 2,160
UDR INC COM 902653104   140,648 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,844,843 8,090 SH   SOLE   8,090 0 0
UNION PAC CORP COM 907818108   46,748 205 SH   OTR   205 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,302,168 4,551 SH   SOLE   4,551 0 0
UNITEDHEALTH GROUP INC COM 91324P102   22,763 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   601,671 4,908 SH   SOLE   4,908 0 0
VALERO ENERGY CORP COM 91913Y100   17,652 144 SH   OTR   144 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   430,483 7,305 SH   SOLE   7,305 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,080 205 SH   OTR   205 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   660,133 9,180 SH   SOLE   9,180 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,504,734 112,227 SH   SOLE   112,122 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   213,269 4,348 SH   OTR   4,348 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   790,929 1,272 SH   SOLE   1,272 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   121,251 195 SH   OTR   195 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,267,588 118,800 SH   SOLE   118,490 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   276,389 3,543 SH   OTR   3,543 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   975,784 1,811 SH   SOLE   1,811 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   816,418 9,165 SH   SOLE   9,145 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,025 135 SH   OTR   135 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   272,121 663 SH   SOLE   663 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,102,147 3,803 SH   SOLE   3,803 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   686,028 17,155 SH   SOLE   17,155 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   28,992 725 SH   OTR   725 0 0
VISA INC COM CL A 92826C839   432,026 1,367 SH   SOLE   1,367 0 0
VISA INC COM CL A 92826C839   56,887 180 SH   OTR   180 0 0
WALMART INC COM 931142103   2,137,590 23,659 SH   SOLE   23,659 0 0
WALMART INC COM 931142103   139,590 1,545 SH   OTR   1,545 0 0
WASTE MGMT INC DEL COM 94106L109   278,268 1,379 SH   SOLE   1,379 0 0
WELLS FARGO CO NEW COM 949746101   206,505 2,940 SH   SOLE   2,340 0 600
WELLS FARGO CO NEW COM 949746101   98,336 1,400 SH   OTR   1,400 0 0