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<infoTable>
<nameOfIssuer>ABBVIE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<value>1750609</value>
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<infoTable>
<nameOfIssuer>ABBVIE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00287Y109</cusip>
<value>170329</value>
<shrsOrPrnAmt>
<sshPrnamt>736</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<None>736</None>
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<infoTable>
<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
<titleOfClass>SHS CLASS A</titleOfClass>
<cusip>G1151C101</cusip>
<value>1404826</value>
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<sshPrnamt>5697</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5697</None>
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<infoTable>
<nameOfIssuer>ADOBE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00724F101</cusip>
<value>1700726</value>
<shrsOrPrnAmt>
<sshPrnamt>4821</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>ADOBE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00724F101</cusip>
<value>3175</value>
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<sshPrnamt>9</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<None>9</None>
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<infoTable>
<nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>016255101</cusip>
<value>914356</value>
<shrsOrPrnAmt>
<sshPrnamt>7302</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>0</Sole>
<Shared>0</Shared>
<None>7302</None>
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<infoTable>
<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>020002101</cusip>
<value>752778</value>
<shrsOrPrnAmt>
<sshPrnamt>3507</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3507</None>
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<infoTable>
<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>020002101</cusip>
<value>1597</value>
<shrsOrPrnAmt>
<sshPrnamt>7</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>7</None>
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<infoTable>
<nameOfIssuer>ALPHABET INC</nameOfIssuer>
<titleOfClass>CAP STK CL A</titleOfClass>
<cusip>02079K305</cusip>
<value>4245151</value>
<shrsOrPrnAmt>
<sshPrnamt>17463</sshPrnamt>
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<otherManager>1</otherManager>
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<Sole>0</Sole>
<Shared>0</Shared>
<None>17463</None>
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<infoTable>
<nameOfIssuer>ALPHABET INC</nameOfIssuer>
<titleOfClass>CAP STK CL A</titleOfClass>
<cusip>02079K305</cusip>
<value>362912</value>
<shrsOrPrnAmt>
<sshPrnamt>1493</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<Shared>0</Shared>
<None>1493</None>
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<infoTable>
<nameOfIssuer>ALPHABET INC</nameOfIssuer>
<titleOfClass>CAP STK CL C</titleOfClass>
<cusip>02079K107</cusip>
<value>285164</value>
<shrsOrPrnAmt>
<sshPrnamt>1171</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1171</None>
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<infoTable>
<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>02209S103</cusip>
<value>217120</value>
<shrsOrPrnAmt>
<sshPrnamt>3287</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3287</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>023135106</cusip>
<value>2892469</value>
<shrsOrPrnAmt>
<sshPrnamt>13173</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>13173</None>
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<infoTable>
<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>023135106</cusip>
<value>792283</value>
<shrsOrPrnAmt>
<sshPrnamt>3608</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3608</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>025816109</cusip>
<value>1748766</value>
<shrsOrPrnAmt>
<sshPrnamt>5265</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5265</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>025816109</cusip>
<value>6040</value>
<shrsOrPrnAmt>
<sshPrnamt>18</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>18</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>032654105</cusip>
<value>1553561</value>
<shrsOrPrnAmt>
<sshPrnamt>6323</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>6323</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>032654105</cusip>
<value>1548</value>
<shrsOrPrnAmt>
<sshPrnamt>6</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>6</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>035710839</cusip>
<value>400368</value>
<shrsOrPrnAmt>
<sshPrnamt>19810</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>19810</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>APPLE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>037833100</cusip>
<value>5067779</value>
<shrsOrPrnAmt>
<sshPrnamt>19903</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>19903</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>APPLE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>037833100</cusip>
<value>3136478</value>
<shrsOrPrnAmt>
<sshPrnamt>12318</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12318</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00206R102</cusip>
<value>494458</value>
<shrsOrPrnAmt>
<sshPrnamt>17509</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>17509</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>053015103</cusip>
<value>282641</value>
<shrsOrPrnAmt>
<sshPrnamt>963</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>963</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>060505104</cusip>
<value>948126</value>
<shrsOrPrnAmt>
<sshPrnamt>18378</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>18378</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>064058100</cusip>
<value>1816435</value>
<shrsOrPrnAmt>
<sshPrnamt>16671</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>16671</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>064058100</cusip>
<value>7480</value>
<shrsOrPrnAmt>
<sshPrnamt>69</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>69</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
<titleOfClass>CL B NEW</titleOfClass>
<cusip>084670702</cusip>
<value>410270</value>
<shrsOrPrnAmt>
<sshPrnamt>816</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>816</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
<titleOfClass>ISHARES A I INNO</titleOfClass>
<cusip>09290C780</cusip>
<value>646685</value>
<shrsOrPrnAmt>
<sshPrnamt>18931</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>18931</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
<titleOfClass>ISHARES US EQUIT</titleOfClass>
<cusip>09290C103</cusip>
<value>2485071</value>
<shrsOrPrnAmt>
<sshPrnamt>41978</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>41978</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
<titleOfClass>ISHARES US THEMA</titleOfClass>
<cusip>09290C806</cusip>
<value>638565</value>
<shrsOrPrnAmt>
<sshPrnamt>16866</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>16866</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
<titleOfClass>ISHARES FLEXIBLE</titleOfClass>
<cusip>092528603</cusip>
<value>626916</value>
<shrsOrPrnAmt>
<sshPrnamt>11775</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>11775</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
<titleOfClass>ISHARES HIGH YIE</titleOfClass>
<cusip>092528843</cusip>
<value>354896</value>
<shrsOrPrnAmt>
<sshPrnamt>7215</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>7215</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>110122108</cusip>
<value>241971</value>
<shrsOrPrnAmt>
<sshPrnamt>5365</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5365</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>110122108</cusip>
<value>5141</value>
<shrsOrPrnAmt>
<sshPrnamt>114</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>114</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BROADCOM INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>11135F101</cusip>
<value>2341902</value>
<shrsOrPrnAmt>
<sshPrnamt>7099</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>7099</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BROADCOM INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>11135F101</cusip>
<value>370594</value>
<shrsOrPrnAmt>
<sshPrnamt>1123</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1123</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>12769G100</cusip>
<value>339164</value>
<shrsOrPrnAmt>
<sshPrnamt>12550</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12550</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>14040H105</cusip>
<value>322975</value>
<shrsOrPrnAmt>
<sshPrnamt>1519</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
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<None>1519</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>14040H105</cusip>
<value>2041</value>
<shrsOrPrnAmt>
<sshPrnamt>10</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<Shared>0</Shared>
<None>10</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
<titleOfClass>UNIT 99/99/9999</titleOfClass>
<cusip>143658300</cusip>
<value>1258539</value>
<shrsOrPrnAmt>
<sshPrnamt>43533</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>43533</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
<titleOfClass>UNIT 99/99/9999</titleOfClass>
<cusip>143658300</cusip>
<value>4047</value>
<shrsOrPrnAmt>
<sshPrnamt>140</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>140</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>15189T107</cusip>
<value>860069</value>
<shrsOrPrnAmt>
<sshPrnamt>22167</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>0</Sole>
<Shared>0</Shared>
<None>22167</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>15189T107</cusip>
<value>1979</value>
<shrsOrPrnAmt>
<sshPrnamt>51</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>51</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CINTAS CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>172908105</cusip>
<value>2556103</value>
<shrsOrPrnAmt>
<sshPrnamt>12453</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12453</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
<titleOfClass>CL A</titleOfClass>
<cusip>20030N101</cusip>
<value>158042</value>
<shrsOrPrnAmt>
<sshPrnamt>5030</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5030</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
<titleOfClass>CL A</titleOfClass>
<cusip>20030N101</cusip>
<value>58934</value>
<shrsOrPrnAmt>
<sshPrnamt>1876</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1876</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>20825C104</cusip>
<value>298482</value>
<shrsOrPrnAmt>
<sshPrnamt>3156</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3156</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CRH PLC</nameOfIssuer>
<titleOfClass>ORD</titleOfClass>
<cusip>G25508105</cusip>
<value>1851182</value>
<shrsOrPrnAmt>
<sshPrnamt>15439</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>15439</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>247361702</cusip>
<value>1313298</value>
<shrsOrPrnAmt>
<sshPrnamt>23142</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>23142</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>247361702</cusip>
<value>2894</value>
<shrsOrPrnAmt>
<sshPrnamt>51</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>51</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>25278X109</cusip>
<value>1386152</value>
<shrsOrPrnAmt>
<sshPrnamt>9687</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>9687</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>25278X109</cusip>
<value>2147</value>
<shrsOrPrnAmt>
<sshPrnamt>15</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>15</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>GLOBAL CR ETF</titleOfClass>
<cusip>25434V567</cusip>
<value>628575</value>
<shrsOrPrnAmt>
<sshPrnamt>11336</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>11336</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>INFLATION PROTE</titleOfClass>
<cusip>25434V856</cusip>
<value>522940</value>
<shrsOrPrnAmt>
<sshPrnamt>12383</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12383</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>CORE FIXED INCOM</titleOfClass>
<cusip>25434V872</cusip>
<value>512085</value>
<shrsOrPrnAmt>
<sshPrnamt>11976</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>11976</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>GLOBAL CORE PLUS</titleOfClass>
<cusip>25434V583</cusip>
<value>209152</value>
<shrsOrPrnAmt>
<sshPrnamt>3764</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3764</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>GLOBAL EX US COR</titleOfClass>
<cusip>25434V575</cusip>
<value>518458</value>
<shrsOrPrnAmt>
<sshPrnamt>9608</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>9608</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>INTL CORE EQUITY</titleOfClass>
<cusip>25434V799</cusip>
<value>311622</value>
<shrsOrPrnAmt>
<sshPrnamt>9504</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>9504</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>SHORT DURATION F</titleOfClass>
<cusip>25434V864</cusip>
<value>2832297</value>
<shrsOrPrnAmt>
<sshPrnamt>58774</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>58774</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>US CORE EQUITY 2</titleOfClass>
<cusip>25434V708</cusip>
<value>1291888</value>
<shrsOrPrnAmt>
<sshPrnamt>33495</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>33495</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>US HIGH PROFITAB</titleOfClass>
<cusip>25434V831</cusip>
<value>308620</value>
<shrsOrPrnAmt>
<sshPrnamt>8171</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8171</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>US HIGH PROFITAB</titleOfClass>
<cusip>25434V831</cusip>
<value>21642</value>
<shrsOrPrnAmt>
<sshPrnamt>573</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>573</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
<titleOfClass>US SMALL CAP VAL</titleOfClass>
<cusip>25434V815</cusip>
<value>275926</value>
<shrsOrPrnAmt>
<sshPrnamt>8666</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8666</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>254687106</cusip>
<value>1009674</value>
<shrsOrPrnAmt>
<sshPrnamt>8818</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8818</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>254687106</cusip>
<value>97966</value>
<shrsOrPrnAmt>
<sshPrnamt>856</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>856</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>256677105</cusip>
<value>402814</value>
<shrsOrPrnAmt>
<sshPrnamt>3898</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3898</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>256677105</cusip>
<value>1240</value>
<shrsOrPrnAmt>
<sshPrnamt>12</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DOUGLAS EMMETT INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>25960P109</cusip>
<value>308337</value>
<shrsOrPrnAmt>
<sshPrnamt>19803</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>19803</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>26441C204</cusip>
<value>19062</value>
<shrsOrPrnAmt>
<sshPrnamt>154</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>154</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>26441C204</cusip>
<value>3100760</value>
<shrsOrPrnAmt>
<sshPrnamt>25057</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>25057</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ELEVANCE HEALTH INC FORMERLY</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>036752103</cusip>
<value>362644</value>
<shrsOrPrnAmt>
<sshPrnamt>1122</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1122</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ELEVANCE HEALTH INC FORMERLY</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>036752103</cusip>
<value>2015</value>
<shrsOrPrnAmt>
<sshPrnamt>6</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>6</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>532457108</cusip>
<value>1509306</value>
<shrsOrPrnAmt>
<sshPrnamt>1978</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1978</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>532457108</cusip>
<value>562337</value>
<shrsOrPrnAmt>
<sshPrnamt>737</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>737</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>29250N105</cusip>
<value>31022</value>
<shrsOrPrnAmt>
<sshPrnamt>615</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>615</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>29250N105</cusip>
<value>755086</value>
<shrsOrPrnAmt>
<sshPrnamt>14964</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>14964</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ESSENTIAL UTILS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>29670G102</cusip>
<value>844922</value>
<shrsOrPrnAmt>
<sshPrnamt>21176</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>21176</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>
<titleOfClass>COMMON STOCK NEW</titleOfClass>
<cusip>31488V107</cusip>
<value>216519</value>
<shrsOrPrnAmt>
<sshPrnamt>964</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>964</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>
<titleOfClass>COMMON STOCK NEW</titleOfClass>
<cusip>31488V107</cusip>
<value>245915</value>
<shrsOrPrnAmt>
<sshPrnamt>1095</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1095</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>316773100</cusip>
<value>416008</value>
<shrsOrPrnAmt>
<sshPrnamt>9338</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>9338</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>FISERV INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>337738108</cusip>
<value>450224</value>
<shrsOrPrnAmt>
<sshPrnamt>3492</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3492</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>FISERV INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>337738108</cusip>
<value>10572</value>
<shrsOrPrnAmt>
<sshPrnamt>82</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>82</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>34964C106</cusip>
<value>209647</value>
<shrsOrPrnAmt>
<sshPrnamt>3927</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3927</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>36467J108</cusip>
<value>978416</value>
<shrsOrPrnAmt>
<sshPrnamt>20992</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<infoTable>
<nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<infoTable>
<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
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<infoTable>
<nameOfIssuer>GE AEROSPACE</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
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<infoTable>
<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<infoTable>
<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
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<cusip>372460105</cusip>
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<infoTable>
<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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<infoTable>
<nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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<infoTable>
<nameOfIssuer>INGREDION INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<infoTable>
<nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
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<infoTable>
<nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
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<sshPrnamt>72</sshPrnamt>
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<infoTable>
<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>459200101</cusip>
<value>233053</value>
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<None>826</None>
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<infoTable>
<nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46266C105</cusip>
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</shrsOrPrnAmt>
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<None>11415</None>
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<infoTable>
<nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46266C105</cusip>
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<infoTable>
<nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46284V101</cusip>
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<infoTable>
<nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46284V101</cusip>
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<None>37</None>
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<infoTable>
<nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
<titleOfClass>ISHARES NEW</titleOfClass>
<cusip>464285204</cusip>
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<None>8925</None>
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<infoTable>
<nameOfIssuer>ISHARES INC</nameOfIssuer>
<titleOfClass>EMNG MKTS EQT</titleOfClass>
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<None>8430</None>
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<infoTable>
<nameOfIssuer>ISHARES INC</nameOfIssuer>
<titleOfClass>EMNG MKTS EQT</titleOfClass>
<cusip>46434G889</cusip>
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<infoTable>
<nameOfIssuer>ISHARES INC</nameOfIssuer>
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<infoTable>
<nameOfIssuer>ISHARES INC</nameOfIssuer>
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<None>435</None>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MBS ETF</titleOfClass>
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<None>8533</None>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MBS ETF</titleOfClass>
<cusip>464288588</cusip>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>S&amp;P 100 ETF</titleOfClass>
<cusip>464287101</cusip>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>CORE INTL AGGR</titleOfClass>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>CORE TOTAL USD</titleOfClass>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>EAFE GRWTH ETF</titleOfClass>
<cusip>464288885</cusip>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>EAFE GRWTH ETF</titleOfClass>
<cusip>464288885</cusip>
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<None>304</None>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>EAFE VALUE ETF</titleOfClass>
<cusip>464288877</cusip>
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<None>25269</None>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>EAFE VALUE ETF</titleOfClass>
<cusip>464288877</cusip>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA VALUE</titleOfClass>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA VALUE</titleOfClass>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>US AER DEF ETF</titleOfClass>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>0-5 YR TIPS ETF</titleOfClass>
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<None>2332</None>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
<cusip>464287200</cusip>
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<None>2659</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
<cusip>464287200</cusip>
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</shrsOrPrnAmt>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA MMENTM</titleOfClass>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA MMENTM</titleOfClass>
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</shrsOrPrnAmt>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>10-20 YR TRS ETF</titleOfClass>
<cusip>464288653</cusip>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>JPMORGAN USD EMG</titleOfClass>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA MIN VOL</titleOfClass>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA MIN VOL</titleOfClass>
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<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>256</None>
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<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
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<cusip>46432F339</cusip>
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<sshPrnamt>14642</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>0</Sole>
<Shared>0</Shared>
<None>14642</None>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>MSCI USA QLT FCT</titleOfClass>
<cusip>46432F339</cusip>
<value>47124</value>
<shrsOrPrnAmt>
<sshPrnamt>242</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>242</None>
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</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>NATIONAL MUN ETF</titleOfClass>
<cusip>464288414</cusip>
<value>2798118</value>
<shrsOrPrnAmt>
<sshPrnamt>26276</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>26276</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>NATIONAL MUN ETF</titleOfClass>
<cusip>464288414</cusip>
<value>0</value>
<shrsOrPrnAmt>
<sshPrnamt>0</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>RUS 1000 GRW ETF</titleOfClass>
<cusip>464287614</cusip>
<value>464663</value>
<shrsOrPrnAmt>
<sshPrnamt>992</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>992</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>RUS 1000 VAL ETF</titleOfClass>
<cusip>464287598</cusip>
<value>337959</value>
<shrsOrPrnAmt>
<sshPrnamt>1660</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1660</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TR</nameOfIssuer>
<titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
<cusip>464287309</cusip>
<value>2214861</value>
<shrsOrPrnAmt>
<sshPrnamt>18347</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>18347</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46625H100</cusip>
<value>1704114</value>
<shrsOrPrnAmt>
<sshPrnamt>5403</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5403</None>
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</infoTable>
<infoTable>
<nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46625H100</cusip>
<value>156928</value>
<shrsOrPrnAmt>
<sshPrnamt>498</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>498</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KEURIG DR PEPPER INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>49271V100</cusip>
<value>1018319</value>
<shrsOrPrnAmt>
<sshPrnamt>39918</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>39918</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KEURIG DR PEPPER INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>49271V100</cusip>
<value>494</value>
<shrsOrPrnAmt>
<sshPrnamt>19</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>19</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>494368103</cusip>
<value>887146</value>
<shrsOrPrnAmt>
<sshPrnamt>7135</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>7135</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>494368103</cusip>
<value>7508</value>
<shrsOrPrnAmt>
<sshPrnamt>60</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>60</None>
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</infoTable>
<infoTable>
<nameOfIssuer>KINROSS GOLD CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>496902404</cusip>
<value>205196</value>
<shrsOrPrnAmt>
<sshPrnamt>8257</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8257</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KROGER CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>501044101</cusip>
<value>1440851</value>
<shrsOrPrnAmt>
<sshPrnamt>21374</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>21374</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KROGER CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>501044101</cusip>
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<shrsOrPrnAmt>
<sshPrnamt>41</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>41</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>502431109</cusip>
<value>1553701</value>
<shrsOrPrnAmt>
<sshPrnamt>5087</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5087</None>
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</infoTable>
<infoTable>
<nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>502431109</cusip>
<value>12675</value>
<shrsOrPrnAmt>
<sshPrnamt>42</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>42</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>512807306</cusip>
<value>2184779</value>
<shrsOrPrnAmt>
<sshPrnamt>16317</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>16317</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>512807306</cusip>
<value>43543</value>
<shrsOrPrnAmt>
<sshPrnamt>325</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>325</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>LOWES COS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>548661107</cusip>
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<shrsOrPrnAmt>
<sshPrnamt>3659</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
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<None>3659</None>
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</infoTable>
<infoTable>
<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<shrsOrPrnAmt>
<sshPrnamt>1956</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>0</Sole>
<Shared>0</Shared>
<None>1956</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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<sshPrnamt>6</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
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<None>6</None>
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</infoTable>
<infoTable>
<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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<sshPrnamt>1122</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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</infoTable>
<infoTable>
<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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<sshPrnamt>3644</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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<sshPrnamt>434</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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<sshPrnamt>10765</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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<sshPrnamt>3750</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<None>3750</None>
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</infoTable>
<infoTable>
<nameOfIssuer>NETFLIX INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<shrsOrPrnAmt>
<sshPrnamt>42</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
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<None>42</None>
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</infoTable>
<infoTable>
<nameOfIssuer>NETFLIX INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>64110L106</cusip>
<value>221164</value>
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<sshPrnamt>184</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<None>184</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>655844108</cusip>
<value>371683</value>
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<sshPrnamt>1237</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<None>1237</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>655844108</cusip>
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<sshPrnamt>3</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<None>3</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<investmentDiscretion>OTR</investmentDiscretion>
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<infoTable>
<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<sshPrnamt>10976</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ORACLE CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<value>339</value>
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<investmentDiscretion>OTR</investmentDiscretion>
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<None>1</None>
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<infoTable>
<nameOfIssuer>ORACLE CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<sshPrnamt>2054</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<None>2054</None>
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</infoTable>
<infoTable>
<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>701094104</cusip>
<value>1230711</value>
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<sshPrnamt>1623</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<None>1623</None>
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</infoTable>
<infoTable>
<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>701094104</cusip>
<value>13350</value>
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<sshPrnamt>18</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
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<None>18</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>70450Y103</cusip>
<value>335434</value>
<shrsOrPrnAmt>
<sshPrnamt>5002</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<None>5002</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>70450Y103</cusip>
<value>67</value>
<shrsOrPrnAmt>
<sshPrnamt>1</sshPrnamt>
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<investmentDiscretion>OTR</investmentDiscretion>
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<None>1</None>
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</infoTable>
<infoTable>
<nameOfIssuer>PEPSICO INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>713448108</cusip>
<value>20895</value>
<shrsOrPrnAmt>
<sshPrnamt>149</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>0</Sole>
<Shared>0</Shared>
<None>149</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PEPSICO INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>713448108</cusip>
<value>436768</value>
<shrsOrPrnAmt>
<sshPrnamt>3110</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3110</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>718172109</cusip>
<value>1234680</value>
<shrsOrPrnAmt>
<sshPrnamt>7612</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>7612</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>718172109</cusip>
<value>293541</value>
<shrsOrPrnAmt>
<sshPrnamt>1810</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1810</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>718546104</cusip>
<value>225249</value>
<shrsOrPrnAmt>
<sshPrnamt>1656</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1656</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>69351T106</cusip>
<value>968234</value>
<shrsOrPrnAmt>
<sshPrnamt>26056</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>26056</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>69351T106</cusip>
<value>8287</value>
<shrsOrPrnAmt>
<sshPrnamt>223</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>223</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>745867101</cusip>
<value>1521855</value>
<shrsOrPrnAmt>
<sshPrnamt>11518</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>11518</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>745867101</cusip>
<value>18630</value>
<shrsOrPrnAmt>
<sshPrnamt>141</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>141</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>76131D103</cusip>
<value>1604235</value>
<shrsOrPrnAmt>
<sshPrnamt>25011</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>25011</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>76131D103</cusip>
<value>3118</value>
<shrsOrPrnAmt>
<sshPrnamt>49</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>49</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
<titleOfClass>COM STK</titleOfClass>
<cusip>806857108</cusip>
<value>1308242</value>
<shrsOrPrnAmt>
<sshPrnamt>38063</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>38063</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
<titleOfClass>COM STK</titleOfClass>
<cusip>806857108</cusip>
<value>687</value>
<shrsOrPrnAmt>
<sshPrnamt>20</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>20</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
<titleOfClass>TECHNOLOGY</titleOfClass>
<cusip>81369Y803</cusip>
<value>365284</value>
<shrsOrPrnAmt>
<sshPrnamt>1296</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1296</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>81762P102</cusip>
<value>1218451</value>
<shrsOrPrnAmt>
<sshPrnamt>1324</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1324</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>81762P102</cusip>
<value>3681</value>
<shrsOrPrnAmt>
<sshPrnamt>4</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>4</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
<titleOfClass>GOLD SHS</titleOfClass>
<cusip>78463V107</cusip>
<value>3755007</value>
<shrsOrPrnAmt>
<sshPrnamt>10564</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>10564</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
<titleOfClass>GOLD SHS</titleOfClass>
<cusip>78463V107</cusip>
<value>31964</value>
<shrsOrPrnAmt>
<sshPrnamt>90</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>90</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
<cusip>78463X871</cusip>
<value>2786546</value>
<shrsOrPrnAmt>
<sshPrnamt>69352</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>69352</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>S&amp;P INTL SMLCP</titleOfClass>
<cusip>78463X871</cusip>
<value>638</value>
<shrsOrPrnAmt>
<sshPrnamt>16</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>16</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>DJ GLB RL ES ETF</titleOfClass>
<cusip>78463X749</cusip>
<value>867810</value>
<shrsOrPrnAmt>
<sshPrnamt>18960</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>18960</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>DJ GLB RL ES ETF</titleOfClass>
<cusip>78463X749</cusip>
<value>5127</value>
<shrsOrPrnAmt>
<sshPrnamt>112</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>112</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
<cusip>78463X889</cusip>
<value>9734646</value>
<shrsOrPrnAmt>
<sshPrnamt>227498</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>227498</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
<cusip>78463X889</cusip>
<value>14601</value>
<shrsOrPrnAmt>
<sshPrnamt>341</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>341</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>PORTFOLIO EMG MK</titleOfClass>
<cusip>78463X509</cusip>
<value>10831371</value>
<shrsOrPrnAmt>
<sshPrnamt>231390</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>231390</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
<titleOfClass>PORTFOLIO EMG MK</titleOfClass>
<cusip>78463X509</cusip>
<value>8377</value>
<shrsOrPrnAmt>
<sshPrnamt>179</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>179</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
<titleOfClass>TR UNIT</titleOfClass>
<cusip>78462F103</cusip>
<value>25222789</value>
<shrsOrPrnAmt>
<sshPrnamt>37862</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>37862</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
<titleOfClass>TR UNIT</titleOfClass>
<cusip>78462F103</cusip>
<value>602296</value>
<shrsOrPrnAmt>
<sshPrnamt>904</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>904</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO SHORT</titleOfClass>
<cusip>78464A474</cusip>
<value>890383</value>
<shrsOrPrnAmt>
<sshPrnamt>29395</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>29395</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO SHORT</titleOfClass>
<cusip>78464A474</cusip>
<value>9602</value>
<shrsOrPrnAmt>
<sshPrnamt>317</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>317</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
<cusip>78468R861</cusip>
<value>5822664</value>
<shrsOrPrnAmt>
<sshPrnamt>301849</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>301849</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
<cusip>78468R861</cusip>
<value>15895</value>
<shrsOrPrnAmt>
<sshPrnamt>824</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>824</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
<cusip>78468R663</cusip>
<value>5593629</value>
<shrsOrPrnAmt>
<sshPrnamt>60966</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>60966</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
<cusip>78468R663</cusip>
<value>642</value>
<shrsOrPrnAmt>
<sshPrnamt>7</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>7</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG EMERGI</titleOfClass>
<cusip>78464A391</cusip>
<value>2975532</value>
<shrsOrPrnAmt>
<sshPrnamt>139304</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>139304</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG EMERGI</titleOfClass>
<cusip>78464A391</cusip>
<value>6922</value>
<shrsOrPrnAmt>
<sshPrnamt>324</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>324</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG EMG MK</titleOfClass>
<cusip>78468R515</cusip>
<value>5434077</value>
<shrsOrPrnAmt>
<sshPrnamt>215699</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>215699</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG EMG MK</titleOfClass>
<cusip>78468R515</cusip>
<value>12119</value>
<shrsOrPrnAmt>
<sshPrnamt>481</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>481</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG ENHNCD</titleOfClass>
<cusip>78468R440</cusip>
<value>6790241</value>
<shrsOrPrnAmt>
<sshPrnamt>237007</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>237007</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG ENHNCD</titleOfClass>
<cusip>78468R440</cusip>
<value>6303</value>
<shrsOrPrnAmt>
<sshPrnamt>220</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>220</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
<cusip>78468R622</cusip>
<value>6126223</value>
<shrsOrPrnAmt>
<sshPrnamt>62519</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>62519</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
<cusip>78468R622</cusip>
<value>18814</value>
<shrsOrPrnAmt>
<sshPrnamt>192</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>192</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFLI HIGH YLD</titleOfClass>
<cusip>78468R606</cusip>
<value>656791</value>
<shrsOrPrnAmt>
<sshPrnamt>27435</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>27435</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFLI HIGH YLD</titleOfClass>
<cusip>78468R606</cusip>
<value>4814</value>
<shrsOrPrnAmt>
<sshPrnamt>201</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>201</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
<cusip>78464A649</cusip>
<value>17506691</value>
<shrsOrPrnAmt>
<sshPrnamt>677241</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>677241</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
<cusip>78464A649</cusip>
<value>126949</value>
<shrsOrPrnAmt>
<sshPrnamt>4911</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>4911</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO INTRMD</titleOfClass>
<cusip>78464A375</cusip>
<value>1638951</value>
<shrsOrPrnAmt>
<sshPrnamt>48361</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>48361</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO INTRMD</titleOfClass>
<cusip>78464A375</cusip>
<value>339</value>
<shrsOrPrnAmt>
<sshPrnamt>10</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>10</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO LN TSR</titleOfClass>
<cusip>78464A664</cusip>
<value>555365</value>
<shrsOrPrnAmt>
<sshPrnamt>20607</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>20607</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO LN TSR</titleOfClass>
<cusip>78464A664</cusip>
<value>228</value>
<shrsOrPrnAmt>
<sshPrnamt>8</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
<cusip>78464A847</cusip>
<value>3072365</value>
<shrsOrPrnAmt>
<sshPrnamt>53722</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>53722</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
<cusip>78464A847</cusip>
<value>2803</value>
<shrsOrPrnAmt>
<sshPrnamt>49</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>49</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
<cusip>78464A854</cusip>
<value>7036911</value>
<shrsOrPrnAmt>
<sshPrnamt>89825</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>89825</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
<cusip>78464A854</cusip>
<value>257155</value>
<shrsOrPrnAmt>
<sshPrnamt>3283</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3283</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
<cusip>78468R853</cusip>
<value>7164953</value>
<shrsOrPrnAmt>
<sshPrnamt>154684</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>154684</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
<cusip>78468R853</cusip>
<value>2595</value>
<shrsOrPrnAmt>
<sshPrnamt>56</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>56</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO SH TSR</titleOfClass>
<cusip>78468R101</cusip>
<value>887247</value>
<shrsOrPrnAmt>
<sshPrnamt>30261</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>30261</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
<titleOfClass>PORTFOLIO SH TSR</titleOfClass>
<cusip>78468R101</cusip>
<value>9588</value>
<shrsOrPrnAmt>
<sshPrnamt>327</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>327</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
<titleOfClass>BLACKSTONE SENR</titleOfClass>
<cusip>78467V608</cusip>
<value>5106346</value>
<shrsOrPrnAmt>
<sshPrnamt>122808</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>122808</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
<titleOfClass>BLACKSTONE SENR</titleOfClass>
<cusip>78467V608</cusip>
<value>11396</value>
<shrsOrPrnAmt>
<sshPrnamt>274</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>274</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
<titleOfClass>SPDR SSGA FXD</titleOfClass>
<cusip>78470P507</cusip>
<value>15941548</value>
<shrsOrPrnAmt>
<sshPrnamt>611842</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>611842</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
<titleOfClass>SPDR SSGA FXD</titleOfClass>
<cusip>78470P507</cusip>
<value>5159</value>
<shrsOrPrnAmt>
<sshPrnamt>198</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>198</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
<titleOfClass>SPDR SSGA US SCT</titleOfClass>
<cusip>78470P408</cusip>
<value>12823733</value>
<shrsOrPrnAmt>
<sshPrnamt>215127</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>215127</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
<titleOfClass>SPDR SSGA US SCT</titleOfClass>
<cusip>78470P408</cusip>
<value>2384</value>
<shrsOrPrnAmt>
<sshPrnamt>40</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>40</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SUBURBAN PROPANE PARTNERS L</nameOfIssuer>
<titleOfClass>UNIT LTD PARTN</titleOfClass>
<cusip>864482104</cusip>
<value>283498</value>
<shrsOrPrnAmt>
<sshPrnamt>15201</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>15201</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SYSCO CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>871829107</cusip>
<value>1006062</value>
<shrsOrPrnAmt>
<sshPrnamt>12218</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12218</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SYSCO CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>871829107</cusip>
<value>2306</value>
<shrsOrPrnAmt>
<sshPrnamt>28</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>28</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>872590104</cusip>
<value>1221207</value>
<shrsOrPrnAmt>
<sshPrnamt>5102</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5102</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>872590104</cusip>
<value>36625</value>
<shrsOrPrnAmt>
<sshPrnamt>153</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>153</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>872540109</cusip>
<value>1431918</value>
<shrsOrPrnAmt>
<sshPrnamt>9907</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>9907</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>872540109</cusip>
<value>3035</value>
<shrsOrPrnAmt>
<sshPrnamt>21</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>21</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
<titleOfClass>SHS</titleOfClass>
<cusip>G8994E103</cusip>
<value>1634673</value>
<shrsOrPrnAmt>
<sshPrnamt>3874</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3874</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>89832Q109</cusip>
<value>458296</value>
<shrsOrPrnAmt>
<sshPrnamt>10024</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>10024</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>89832Q109</cusip>
<value>228621</value>
<shrsOrPrnAmt>
<sshPrnamt>5000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5000</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>90353T100</cusip>
<value>1373474</value>
<shrsOrPrnAmt>
<sshPrnamt>14019</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>14019</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>90353T100</cusip>
<value>3527</value>
<shrsOrPrnAmt>
<sshPrnamt>36</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>36</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
<titleOfClass>CL B</titleOfClass>
<cusip>911312106</cusip>
<value>1501228</value>
<shrsOrPrnAmt>
<sshPrnamt>17972</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>17972</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>INTERMED TERM</titleOfClass>
<cusip>921937819</cusip>
<value>4314494</value>
<shrsOrPrnAmt>
<sshPrnamt>55250</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>55250</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>INTERMED TERM</titleOfClass>
<cusip>921937819</cusip>
<value>178562</value>
<shrsOrPrnAmt>
<sshPrnamt>2287</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>2287</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>LONG TERM BOND</titleOfClass>
<cusip>921937793</cusip>
<value>4238028</value>
<shrsOrPrnAmt>
<sshPrnamt>59817</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>59817</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>LONG TERM BOND</titleOfClass>
<cusip>921937793</cusip>
<value>155741</value>
<shrsOrPrnAmt>
<sshPrnamt>2198</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>2198</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>SHORT TRM BOND</titleOfClass>
<cusip>921937827</cusip>
<value>9056009</value>
<shrsOrPrnAmt>
<sshPrnamt>114764</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>114764</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>SHORT TRM BOND</titleOfClass>
<cusip>921937827</cusip>
<value>358715</value>
<shrsOrPrnAmt>
<sshPrnamt>4546</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>4546</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>TOTAL BND MRKT</titleOfClass>
<cusip>921937835</cusip>
<value>954190</value>
<shrsOrPrnAmt>
<sshPrnamt>12830</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>12830</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
<titleOfClass>TOTAL BND MRKT</titleOfClass>
<cusip>921937835</cusip>
<value>187463</value>
<shrsOrPrnAmt>
<sshPrnamt>2521</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>2521</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
<titleOfClass>TOTAL INT BD ETF</titleOfClass>
<cusip>92203J407</cusip>
<value>9868286</value>
<shrsOrPrnAmt>
<sshPrnamt>199521</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>199521</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
<titleOfClass>TOTAL INT BD ETF</titleOfClass>
<cusip>92203J407</cusip>
<value>735998</value>
<shrsOrPrnAmt>
<sshPrnamt>14881</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>14881</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>VALUE ETF</titleOfClass>
<cusip>922908744</cusip>
<value>18397031</value>
<shrsOrPrnAmt>
<sshPrnamt>98649</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>98649</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>VALUE ETF</titleOfClass>
<cusip>922908744</cusip>
<value>1270929</value>
<shrsOrPrnAmt>
<sshPrnamt>6815</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>6815</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>GROWTH ETF</titleOfClass>
<cusip>922908736</cusip>
<value>18639792</value>
<shrsOrPrnAmt>
<sshPrnamt>38864</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>38864</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>GROWTH ETF</titleOfClass>
<cusip>922908736</cusip>
<value>2132640</value>
<shrsOrPrnAmt>
<sshPrnamt>4447</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>4447</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>SMALL CP ETF</titleOfClass>
<cusip>922908751</cusip>
<value>4642669</value>
<shrsOrPrnAmt>
<sshPrnamt>18258</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>18258</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>SMALL CP ETF</titleOfClass>
<cusip>922908751</cusip>
<value>349202</value>
<shrsOrPrnAmt>
<sshPrnamt>1373</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1373</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>TOTAL STK MKT</titleOfClass>
<cusip>922908769</cusip>
<value>1213283</value>
<shrsOrPrnAmt>
<sshPrnamt>3697</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>3697</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
<titleOfClass>TOTAL STK MKT</titleOfClass>
<cusip>922908769</cusip>
<value>223624</value>
<shrsOrPrnAmt>
<sshPrnamt>681</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>681</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
<cusip>922042858</cusip>
<value>6425720</value>
<shrsOrPrnAmt>
<sshPrnamt>118599</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>118599</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
<cusip>922042858</cusip>
<value>434656</value>
<shrsOrPrnAmt>
<sshPrnamt>8022</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8022</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
<titleOfClass>TAX EXEMPT BD</titleOfClass>
<cusip>922907746</cusip>
<value>4316462</value>
<shrsOrPrnAmt>
<sshPrnamt>86209</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>86209</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
<titleOfClass>TAX EXEMPT BD</titleOfClass>
<cusip>922907746</cusip>
<value>524084</value>
<shrsOrPrnAmt>
<sshPrnamt>10467</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>10467</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
<titleOfClass>INTERMEDIATE TRM</titleOfClass>
<cusip>922907738</cusip>
<value>10369254</value>
<shrsOrPrnAmt>
<sshPrnamt>103351</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>103351</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
<titleOfClass>INT-TERM CORP</titleOfClass>
<cusip>92206C870</cusip>
<value>872555</value>
<shrsOrPrnAmt>
<sshPrnamt>10374</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>10374</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
<titleOfClass>INT-TERM CORP</titleOfClass>
<cusip>92206C870</cusip>
<value>9921</value>
<shrsOrPrnAmt>
<sshPrnamt>118</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>118</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
<titleOfClass>INTER TERM TREAS</titleOfClass>
<cusip>92206C706</cusip>
<value>1261986</value>
<shrsOrPrnAmt>
<sshPrnamt>21023</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>21023</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
<titleOfClass>INTER TERM TREAS</titleOfClass>
<cusip>92206C706</cusip>
<value>1861</value>
<shrsOrPrnAmt>
<sshPrnamt>31</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>31</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
<titleOfClass>MTG-BKD SECS ETF</titleOfClass>
<cusip>92206C771</cusip>
<value>4426227</value>
<shrsOrPrnAmt>
<sshPrnamt>94255</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>94255</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
<titleOfClass>MTG-BKD SECS ETF</titleOfClass>
<cusip>92206C771</cusip>
<value>323866</value>
<shrsOrPrnAmt>
<sshPrnamt>6897</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>6897</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
<titleOfClass>VG TL INTL STK F</titleOfClass>
<cusip>921909768</cusip>
<value>818742</value>
<shrsOrPrnAmt>
<sshPrnamt>11145</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>11145</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
<titleOfClass>VG TL INTL STK F</titleOfClass>
<cusip>921909768</cusip>
<value>147412</value>
<shrsOrPrnAmt>
<sshPrnamt>2007</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>2007</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
<cusip>921943858</cusip>
<value>20363459</value>
<shrsOrPrnAmt>
<sshPrnamt>339844</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>339844</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
<cusip>921943858</cusip>
<value>1296023</value>
<shrsOrPrnAmt>
<sshPrnamt>21629</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>21629</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
<titleOfClass>SHORT TRM TAX EX</titleOfClass>
<cusip>921935870</cusip>
<value>2804998</value>
<shrsOrPrnAmt>
<sshPrnamt>27520</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>27520</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92343V104</cusip>
<value>28783</value>
<shrsOrPrnAmt>
<sshPrnamt>655</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>655</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92343V104</cusip>
<value>224884</value>
<shrsOrPrnAmt>
<sshPrnamt>5117</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5117</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92537N108</cusip>
<value>1765589</value>
<shrsOrPrnAmt>
<sshPrnamt>11703</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>11703</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92537N108</cusip>
<value>14059</value>
<shrsOrPrnAmt>
<sshPrnamt>93</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>93</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VISA INC</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92826C839</cusip>
<value>1571382</value>
<shrsOrPrnAmt>
<sshPrnamt>4603</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>4603</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VISA INC</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92826C839</cusip>
<value>49661</value>
<shrsOrPrnAmt>
<sshPrnamt>145</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>145</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WALMART INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>931142103</cusip>
<value>100</value>
<shrsOrPrnAmt>
<sshPrnamt>1</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WALMART INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>931142103</cusip>
<value>274623</value>
<shrsOrPrnAmt>
<sshPrnamt>2665</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>2665</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>949746101</cusip>
<value>2323866</value>
<shrsOrPrnAmt>
<sshPrnamt>27724</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>27724</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>949746101</cusip>
<value>225869</value>
<shrsOrPrnAmt>
<sshPrnamt>2695</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>2695</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WELLTOWER INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>95040Q104</cusip>
<value>241173</value>
<shrsOrPrnAmt>
<sshPrnamt>1354</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>1354</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WORKDAY INC</nameOfIssuer>
<titleOfClass>CL A</titleOfClass>
<cusip>98138H101</cusip>
<value>1319442</value>
<shrsOrPrnAmt>
<sshPrnamt>5481</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>5481</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WORKDAY INC</nameOfIssuer>
<titleOfClass>CL A</titleOfClass>
<cusip>98138H101</cusip>
<value>1926</value>
<shrsOrPrnAmt>
<sshPrnamt>8</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>OTR</investmentDiscretion>
<votingAuthority>
<Sole>0</Sole>
<Shared>0</Shared>
<None>8</None>
</votingAuthority>
</infoTable>
</informationTable>
