The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,276 3,079 SH   SOLE   3,079 0 0
CLARIVATE PLC ORD SHS G21810109 775 32,957 SH   SOLE   32,957 0 0
EATON CORP PLC SHS G29183103 294 1,700 SH   SOLE   1,700 0 0
EATON CORP PLC SHS G29183103 138 800 SH   OTR   0 800 0
IHS MARKIT LTD SHS G47567105 668 5,027 SH   SOLE   5,027 0 0
APTIV PLC SHS G6095L109 941 5,704 SH   SOLE   5,704 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 425 2,104 SH   SOLE   1,709 0 395
AERCAP HOLDINGS NV SHS N00985106 1,210 18,493 SH   SOLE   18,493 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 295 4,812 SH   SOLE   4,812 0 0
ABBOTT LABS COM 002824100 1,107 7,868 SH   SOLE   7,348 0 520
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,385 2,443 SH   SOLE   2,443 0 0
AIR PRODS & CHEMS INC COM 009158106 479 1,574 SH   SOLE   1,574 0 0
ALPHABET INC CAP STK CL C 02079K107 544 188 SH   SOLE   188 0 0
ALPHABET INC CAP STK CL A 02079K305 3,152 1,088 SH   SOLE   1,088 0 0
AMAZON COM INC COM 023135106 3,084 925 SH   SOLE   925 0 0
AMERICAN EXPRESS CO COM 025816109 45 275 SH   SOLE   275 0 0
AMERICAN EXPRESS CO COM 025816109 229 1,400 SH   OTR   1,400 0 0
ANALOG DEVICES INC COM 032654105 546 3,105 SH   SOLE   3,105 0 0
ANTHEM INC COM 036752103 1,796 3,875 SH   SOLE   3,750 0 125
APPLE INC COM 037833100 6,189 34,856 SH   SOLE   34,856 0 0
ARISTA NETWORKS INC COM 040413106 454 3,156 SH   SOLE   3,156 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 496 2,010 SH   SOLE   2,010 0 0
BALL CORP COM 058498106 455 4,724 SH   SOLE   4,724 0 0
BK OF AMERICA CORP COM 060505104 1,948 43,782 SH   SOLE   42,632 0 1,150
BECTON DICKINSON & CO COM 075887109 463 1,842 SH   SOLE   1,842 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,151 3,848 SH   SOLE   3,848 0 0
BOSTON SCIENTIFIC CORP COM 101137107 841 19,798 SH   SOLE   19,798 0 0
CARMAX INC COM 143130102 491 3,770 SH   SOLE   3,770 0 0
CATALENT INC COM 148806102 538 4,201 SH   SOLE   4,201 0 0
CHEVRON CORP NEW COM 166764100 420 3,578 SH   SOLE   3,578 0 0
CHEVRON CORP NEW COM 166764100 12 100 SH   OTR   0 100 0
COSTCO WHSL CORP NEW COM 22160K105 2,073 3,651 SH   SOLE   3,651 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 349 1,670 SH   SOLE   1,670 0 0
DANAHER CORPORATION COM 235851102 2,340 7,111 SH   SOLE   7,111 0 0
DEERE & CO COM 244199105 707 2,061 SH   SOLE   1,931 0 130
DISNEY WALT CO COM 254687106 1,346 8,692 SH   SOLE   8,042 0 650
DUKE ENERGY CORP NEW COM NEW 26441C204 336 3,203 SH   SOLE   3,203 0 0
ECOLAB INC COM 278865100 540 2,303 SH   SOLE   2,303 0 0
ENJOY TECHNOLOGY INC COM 29335V106 74 15,949 SH   SOLE   15,949 0 0
EXPEDITORS INTL WASH INC COM 302130109 291 2,165 SH   SOLE   365 0 1,800
META PLATFORMS INC CL A 30303M102 312 928 SH   SOLE   928 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 598 39,416 SH   SOLE   37,163 0 2,253
GOLDMAN SACHS GROUP INC COM 38141G104 416 1,087 SH   SOLE   1,087 0 0
GRACO INC COM 384109104 248 3,075 SH   SOLE   0 0 3,075
HALOZYME THERAPEUTICS INC COM 40637H109 1,000 24,869 SH   SOLE   24,869 0 0
HOME DEPOT INC COM 437076102 1,370 3,302 SH   SOLE   3,302 0 0
HONEYWELL INTL INC COM 438516106 1,051 5,039 SH   SOLE   5,039 0 0
ILLINOIS TOOL WKS INC COM 452308109 485 1,967 SH   SOLE   1,967 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 254 1,898 SH   SOLE   1,898 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,453 6,166 SH   SOLE   6,114 0 52
INVESCO QQQ TR UNIT SER 1 46090E103 645 1,620 SH   OTR   1,620 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 911 2,535 SH   SOLE   2,535 0 0
INTUIT COM 461202103 618 961 SH   SOLE   961 0 0
IQVIA HLDGS INC COM 46266C105 955 3,384 SH   SOLE   3,384 0 0
ISHARES TR S&P 100 ETF 464287101 492 2,245 SH   SOLE   2,245 0 0
ISHARES TR TIPS BD ETF 464287176 1,110 8,589 SH   SOLE   8,315 0 274
ISHARES TR TIPS BD ETF 464287176 102 793 SH   OTR   793 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,425 5,085 SH   SOLE   5,085 0 0
ISHARES TR CORE US AGGBD ET 464287226 946 8,296 SH   SOLE   8,041 0 255
ISHARES TR MSCI EAFE ETF 464287465 2,278 28,947 SH   SOLE   28,504 0 443
ISHARES TR MSCI EAFE ETF 464287465 125 1,584 SH   OTR   1,584 0 0
ISHARES TR COHEN STEER REIT 464287564 430 5,654 SH   SOLE   5,654 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 309 1,010 SH   SOLE   1,010 0 0
ISHARES TR CORE S&P US VLU 464287663 705 9,231 SH   SOLE   9,231 0 0
ISHARES TR CORE S&P US VLU 464287663 277 3,622 SH   OTR   3,622 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,735 43,996 SH   SOLE   43,518 0 478
ISHARES TR PFD AND INCM SEC 464288687 92 2,345 SH   OTR   2,345 0 0
ISHARES TR US SML CP VALUE 46436E536 360 11,270 SH   SOLE   11,270 0 0
JPMORGAN CHASE & CO COM 46625H100 1,103 6,967 SH   SOLE   6,967 0 0
JOHNSON & JOHNSON COM 478160104 1,374 8,033 SH   SOLE   7,458 0 575
JOHNSON & JOHNSON COM 478160104 171 1,000 SH   OTR   0 0 1,000
LILLY ELI & CO COM 532457108 810 2,933 SH   SOLE   2,758 0 175
LITHIA MTRS INC COM 536797103 774 2,607 SH   SOLE   2,607 0 0
MARRIOTT INTL INC NEW CL A 571903202 504 3,050 SH   SOLE   2,765 0 285
MARTIN MARIETTA MATLS INC COM 573284106 1,036 2,352 SH   SOLE   2,352 0 0
MCDONALDS CORP COM 580135101 1,146 4,276 SH   SOLE   4,276 0 0
MCKESSON CORP COM 58155Q103 428 1,723 SH   SOLE   1,723 0 0
MERCK & CO. INC COM 58933Y105 625 8,157 SH   SOLE   8,157 0 0
MICROSOFT CORP COM 594918104 9,844 29,271 SH   SOLE   27,532 0 1,739
MORGAN STANLEY COM NEW 617446448 544 5,543 SH   SOLE   5,543 0 0
NEXTERA ENERGY INC COM 65339F101 719 7,700 SH   SOLE   7,700 0 0
NIKE INC CL B 654106103 225 1,347 SH   SOLE   1,347 0 0
NVIDIA CORPORATION COM 67066G104 1,792 6,093 SH   SOLE   6,093 0 0
PALO ALTO NETWORKS INC COM 697435105 1,055 1,895 SH   SOLE   1,895 0 0
PAYPAL HLDGS INC COM 70450Y103 1,705 9,039 SH   SOLE   9,039 0 0
PEPSICO INC COM 713448108 889 5,115 SH   SOLE   4,615 0 500
PFIZER INC COM 717081103 1,432 24,252 SH   SOLE   24,252 0 0
PROCTER AND GAMBLE CO COM 742718109 271 1,654 SH   SOLE   1,654 0 0
PROCTER AND GAMBLE CO COM 742718109 49 300 SH   OTR   300 0 0
QUALCOMM INC COM 747525103 691 3,780 SH   SOLE   3,780 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 241 2,801 SH   SOLE   2,801 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 884 1,862 SH   SOLE   1,862 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 699 1,471 SH   OTR   1,471 0 0
SPDR SER TR S&P KENSHO NEW 78468R648 507 8,607 SH   SOLE   8,607 0 0
SVB FINANCIAL GROUP COM 78486Q101 619 912 SH   SOLE   912 0 0
SALESFORCE COM INC COM 79466L302 2,844 11,190 SH   SOLE   10,980 0 210
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 587 7,257 SH   SOLE   7,257 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9 110 SH   OTR   110 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,772 34,856 SH   SOLE   34,253 0 603
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 82 1,611 SH   OTR   1,611 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 630 6,958 SH   SOLE   6,690 0 268
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,708 19,223 SH   SOLE   19,223 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,423 18,452 SH   SOLE   17,636 0 816
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,122 15,271 SH   SOLE   14,813 0 458
SELECT SECTOR SPDR TR ENERGY 81369Y506 438 7,883 SH   SOLE   7,883 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,321 33,840 SH   SOLE   31,347 0 2,493
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,292 12,206 SH   SOLE   12,206 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,592 26,409 SH   SOLE   25,804 0 605
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,522 19,599 SH   SOLE   17,570 0 2,029
SHERWIN WILLIAMS CO COM 824348106 641 1,820 SH   SOLE   1,820 0 0
SIGNATURE BK NEW YORK N Y COM 82669G104 362 1,118 SH   SOLE   1,118 0 0
SOUTHWEST AIRLS CO COM 844741108 774 18,072 SH   SOLE   18,072 0 0
BLOCK INC CL A 852234103 413 2,557 SH   SOLE   2,557 0 0
STRYKER CORPORATION COM 863667101 945 3,532 SH   SOLE   3,357 0 175
TESLA INC COM 88160R101 241 228 SH   SOLE   228 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,526 2,287 SH   SOLE   2,287 0 0
3M CO COM 88579Y101 331 1,866 SH   SOLE   1,866 0 0
UDR INC COM 902653104 360 6,000 SH   OTR   6,000 0 0
UNILEVER PLC SPON ADR NEW 904767704 205 3,815 SH   SOLE   3,815 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 905 8,796 SH   SOLE   8,606 0 190
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,705 30,916 SH   SOLE   30,286 0 630
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 99 1,800 SH   OTR   1,800 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,423 14,734 SH   SOLE   14,734 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 352 768 SH   SOLE   768 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 2,083 15,366 SH   SOLE   15,366 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,440 29,112 SH   SOLE   28,912 0 200
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 92 1,861 SH   OTR   1,861 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,682 15,306 SH   SOLE   15,002 0 304
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 312 2,693 SH   SOLE   2,693 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 151 1,300 SH   OTR   1,300 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,057 12,000 SH   SOLE   12,000 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 360 1,627 SH   SOLE   1,627 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,004 5,490 SH   SOLE   5,450 0 40
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 37 200 SH   OTR   200 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 987 4,368 SH   SOLE   4,368 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,925 7,971 SH   SOLE   7,971 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 500 9,620 SH   SOLE   9,620 0 0
VISA INC COM CL A 92826C839 1,259 5,811 SH   SOLE   5,811 0 0
WELLS FARGO CO NEW COM 949746101 1,323 27,574 SH   SOLE   27,574 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804 626 420 SH   SOLE   380 0 40
WORLD GOLD TR SPDR GLD MINIS 98149E204 186 10,239 SH   SOLE   10,239 0 0
XILINX INC COM 983919101 1,220 5,755 SH   SOLE   5,755 0 0
ZOETIS INC CL A 98978V103 1,505 6,166 SH   SOLE   6,166 0 0