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
ABBVIE INC COM 00287Y109 195 1,274 SH   OTR   0 0 1,274
ABBVIE INC COM 00287Y109 141 920 SH   SOLE   0 0 920
ALPHABET INC CAP STK CL A 02079K305 449 206 SH   SOLE   0 0 206
ALPHABET INC CAP STK CL C 02079K107 217 99 SH   SOLE   0 0 99
ALPHABET INC CAP STK CL C 02079K107 13 6 SH   OTR   0 0 6
AMAZON COM INC COM 023135106 21 200 SH   OTR   0 0 200
AMAZON COM INC COM 023135106 618 5,820 SH   SOLE   0 0 5,820
AMERICAN ELEC PWR CO INC COM 025537101 222 2,310 SH   SOLE   0 0 2,310
APPLE INC COM 037833100 5,206 38,074 SH   SOLE   0 0 38,074
AT&T INC COM 00206R102 158 7,529 SH   OTR   0 0 7,529
AT&T INC COM 00206R102 482 23,011 SH   SOLE   0 0 23,011
AUTOMATIC DATA PROCESSING IN COM 053015103 221 1,052 SH   SOLE   0 0 1,052
AUTOZONE INC COM 053332102 215 100 SH   SOLE   0 0 100
BLACKROCK INC COM 09247X101 186 306 SH   SOLE   0 0 306
BLACKROCK INC COM 09247X101 175 288 SH   OTR   0 0 288
BRISTOL-MYERS SQUIBB CO COM 110122108 190 2,466 SH   OTR   0 0 2,466
BRISTOL-MYERS SQUIBB CO COM 110122108 1,679 21,804 SH   SOLE   0 0 21,804
CATERPILLAR INC COM 149123101 272 1,521 SH   SOLE   0 0 1,521
CATERPILLAR INC COM 149123101 184 1,030 SH   OTR   0 0 1,030
CHEVRON CORP NEW COM 166764100 562 3,884 SH   SOLE   0 0 3,884
CHEVRON CORP NEW COM 166764100 317 2,192 SH   OTR   0 0 2,192
CISCO SYS INC COM 17275R102 229 5,380 SH   SOLE   0 0 5,380
CISCO SYS INC COM 17275R102 227 5,331 SH   OTR   0 0 5,331
COCA COLA CO COM 191216100 192 3,051 SH   OTR   0 0 3,051
COCA COLA CO COM 191216100 1,185 18,844 SH   SOLE   0 0 18,844
CONOCOPHILLIPS COM 20825C104 222 2,472 SH   OTR   0 0 2,472
CONOCOPHILLIPS COM 20825C104 38 420 SH   SOLE   0 0 420
EXXON MOBIL CORP COM 30231G102 295 3,442 SH   OTR   0 0 3,442
EXXON MOBIL CORP COM 30231G102 2,825 32,986 SH   SOLE   0 0 32,986
GALLAGHER ARTHUR J & CO COM 363576109 213 1,305 SH   OTR   0 0 1,305
HERSHEY CO COM 427866108 215 1,000 SH   SOLE   0 0 1,000
HERSHEY CO COM 427866108 21 96 SH   OTR   0 0 96
HOME DEPOT INC COM 437076102 222 809 SH   OTR   0 0 809
HOME DEPOT INC COM 437076102 334 1,218 SH   SOLE   0 0 1,218
ILLINOIS TOOL WKS INC COM 452308109 265 1,452 SH   SOLE   0 0 1,452
INTEL CORP COM 458140100 90 2,402 SH   OTR   0 0 2,402
INTEL CORP COM 458140100 417 11,141 SH   SOLE   0 0 11,141
INTERNATIONAL BUSINESS MACHS COM 459200101 190 1,347 SH   SOLE   0 0 1,347
INTERNATIONAL BUSINESS MACHS COM 459200101 107 755 SH   OTR   0 0 755
ISHARES INC MSCI EMERG MRKT 464286533 354 6,380 SH   SOLE   0 0 6,380
ISHARES INC MSCI EMERG MRKT 464286533 307 5,534 SH   OTR   0 0 5,534
ISHARES TR 10-20 YR TRS ETF 464288653 182 1,511 SH   OTR   0 0 1,511
ISHARES TR 10-20 YR TRS ETF 464288653 236 1,966 SH   SOLE   0 0 1,966
ISHARES TR 20 YR TR BD ETF 464287432 271 2,359 SH   OTR   0 0 2,359
ISHARES TR 20 YR TR BD ETF 464287432 3 25 SH   SOLE   0 0 25
ISHARES TR 7-10 YR TRSY BD 464287440 291 2,847 SH   OTR   0 0 2,847
ISHARES TR CORE HIGH DV ETF 46429B663 320 3,187 SH   OTR   0 0 3,187
ISHARES TR CORE HIGH DV ETF 46429B663 103 1,025 SH   SOLE   0 0 1,025
ISHARES TR CORE MSCI EAFE 46432F842 27 451 SH   SOLE   0 0 451
ISHARES TR CORE MSCI EAFE 46432F842 447 7,601 SH   OTR   0 0 7,601
ISHARES TR CORE S&P MCP ETF 464287507 185 816 SH   OTR   0 0 816
ISHARES TR CORE S&P MCP ETF 464287507 153 675 SH   SOLE   0 0 675
ISHARES TR CORE S&P SCP ETF 464287804 401 4,335 SH   OTR   0 0 4,335
ISHARES TR CORE S&P SCP ETF 464287804 443 4,799 SH   SOLE   0 0 4,799
ISHARES TR CORE S&P TTL STK 464287150 1,324 15,807 SH   SOLE   0 0 15,807
ISHARES TR CORE S&P TTL STK 464287150 46 545 SH   OTR   0 0 545
ISHARES TR CORE S&P500 ETF 464287200 324 855 SH   SOLE   0 0 855
ISHARES TR CORE S&P500 ETF 464287200 6,531 17,226 SH   OTR   0 0 17,226
ISHARES TR CORE TOTAL USD 46434V613 330 7,058 SH   SOLE   0 0 7,058
ISHARES TR CORE TOTAL USD 46434V613 650 13,882 SH   OTR   0 0 13,882
ISHARES TR CORE US AGGBD ET 464287226 111 1,090 SH   SOLE   0 0 1,090
ISHARES TR CORE US AGGBD ET 464287226 440 4,330 SH   OTR   0 0 4,330
ISHARES TR EAFE GRWTH ETF 464288885 1,111 13,808 SH   OTR   0 0 13,808
ISHARES TR EAFE GRWTH ETF 464288885 497 6,176 SH   SOLE   0 0 6,176
ISHARES TR EAFE SML CP ETF 464288273 42 773 SH   OTR   0 0 773
ISHARES TR EAFE SML CP ETF 464288273 160 2,935 SH   SOLE   0 0 2,935
ISHARES TR EAFE VALUE ETF 464288877 911 20,989 SH   SOLE   0 0 20,989
ISHARES TR EAFE VALUE ETF 464288877 1,255 28,924 SH   OTR   0 0 28,924
ISHARES TR ESG AWR MSCI USA 46435G425 1,646 19,622 SH   SOLE   0 0 19,622
ISHARES TR ESG AWR MSCI USA 46435G425 6,331 75,457 SH   OTR   0 0 75,457
ISHARES TR ESG MSCI EM LDRS 46436E601 1,214 25,586 SH   OTR   0 0 25,586
ISHARES TR ESG MSCI LEADR 46435U218 293 4,417 SH   OTR   0 0 4,417
ISHARES TR EUROPE ETF 464287861 1,404 32,877 SH   OTR   0 0 32,877
ISHARES TR GLOBAL TECH ETF 464287291 514 11,258 SH   OTR   0 0 11,258
ISHARES TR GLOBAL TECH ETF 464287291 7 146 SH   SOLE   0 0 146
ISHARES TR MSCI INTL VLU FT 46435G409 1,360 61,330 SH   OTR   0 0 61,330
ISHARES TR MSCI USA MIN VOL 46429B697 213 3,038 SH   SOLE   0 0 3,038
ISHARES TR MSCI USA MIN VOL 46429B697 454 6,467 SH   OTR   0 0 6,467
ISHARES TR MSCI USA VALUE 46432F388 112 1,237 SH   SOLE   0 0 1,237
ISHARES TR MSCI USA VALUE 46432F388 662 7,315 SH   OTR   0 0 7,315
ISHARES TR NATIONAL MUN ETF 464288414 496 4,659 SH   OTR   0 0 4,659
ISHARES TR NATIONAL MUN ETF 464288414 36 335 SH   SOLE   0 0 335
ISHARES TR RUS 1000 GRW ETF 464287614 2,292 10,479 SH   SOLE   0 0 10,479
ISHARES TR RUS 1000 GRW ETF 464287614 335 1,531 SH   OTR   0 0 1,531
ISHARES TR RUS 1000 VAL ETF 464287598 1,725 11,902 SH   SOLE   0 0 11,902
ISHARES TR RUS 1000 VAL ETF 464287598 251 1,727 SH   OTR   0 0 1,727
ISHARES TR RUS 2000 VAL ETF 464287630 278 2,044 SH   SOLE   0 0 2,044
ISHARES TR RUS 2000 VAL ETF 464287630 31 228 SH   OTR   0 0 228
ISHARES TR RUS MDCP VAL ETF 464287473 29 283 SH   OTR   0 0 283
ISHARES TR RUS MDCP VAL ETF 464287473 241 2,373 SH   SOLE   0 0 2,373
ISHARES TR RUSSELL 3000 ETF 464287689 889 4,092 SH   SOLE   0 0 4,092
ISHARES TR RUSSELL 3000 ETF 464287689 136 627 SH   OTR   0 0 627
ISHARES TR S&P 100 ETF 464287101 328 1,903 SH   OTR   0 0 1,903
ISHARES TR S&P 100 ETF 464287101 259 1,500 SH   SOLE   0 0 1,500
ISHARES TR S&P 500 GRWT ETF 464287309 2,307 38,235 SH   OTR   0 0 38,235
ISHARES TR S&P 500 GRWT ETF 464287309 4,587 76,015 SH   SOLE   0 0 76,015
ISHARES TR S&P 500 VAL ETF 464287408 1,721 12,519 SH   SOLE   0 0 12,519
ISHARES TR S&P 500 VAL ETF 464287408 1,947 14,165 SH   OTR   0 0 14,165
ISHARES TR S&P SML 600 GWT 464287887 517 4,906 SH   OTR   0 0 4,906
ISHARES TR SELECT DIVID ETF 464287168 911 7,745 SH   SOLE   0 0 7,745
ISHARES TR SP SMCP600VL ETF 464287879 182 2,040 SH   SOLE   0 0 2,040
ISHARES TR SP SMCP600VL ETF 464287879 101 1,132 SH   OTR   0 0 1,132
ISHARES TR TIPS BD ETF 464287176 215 1,889 SH   OTR   0 0 1,889
ISHARES TR TIPS BD ETF 464287176 362 3,174 SH   SOLE   0 0 3,174
ISHARES TR U.S. ENERGY ETF 464287796 283 7,415 SH   SOLE   0 0 7,415
ISHARES TR U.S. ENERGY ETF 464287796 163 4,276 SH   OTR   0 0 4,276
ISHARES TR U.S. TECH ETF 464287721 348 4,356 SH   OTR   0 0 4,356
ISHARES TR U.S. TECH ETF 464287721 4 44 SH   SOLE   0 0 44
ISHARES TR US HLTHCARE ETF 464287762 17 62 SH   SOLE   0 0 62
ISHARES TR US HLTHCARE ETF 464287762 629 2,339 SH   OTR   0 0 2,339
ISHARES TR US INFRASTRUC 46435U713 148 4,338 SH   SOLE   0 0 4,338
ISHARES TR US INFRASTRUC 46435U713 64 1,889 SH   OTR   0 0 1,889
ISHARES TR US TREAS BD ETF 46429B267 432 18,067 SH   OTR   0 0 18,067
ISHARES TR US TREAS BD ETF 46429B267 179 7,473 SH   SOLE   0 0 7,473
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 127 2,184 SH   OTR   0 0 2,184
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 110 1,885 SH   SOLE   0 0 1,885
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 68 1,666 SH   OTR   0 0 1,666
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 156 3,820 SH   SOLE   0 0 3,820
JOHNSON & JOHNSON COM 478160104 1,262 7,107 SH   SOLE   0 0 7,107
JOHNSON & JOHNSON COM 478160104 314 1,765 SH   OTR   0 0 1,765
JPMORGAN CHASE & CO COM 46625H100 275 2,447 SH   OTR   0 0 2,447
JPMORGAN CHASE & CO COM 46625H100 660 5,860 SH   SOLE   0 0 5,860
KIMBERLY-CLARK CORP COM 494368103 446 3,300 SH   SOLE   0 0 3,300
KROGER CO COM 501044101 1,523 32,179 SH   SOLE   0 0 32,179
LOCKHEED MARTIN CORP COM 539830109 1,494 3,474 SH   SOLE   0 0 3,474
LOCKHEED MARTIN CORP COM 539830109 123 287 SH   OTR   0 0 287
MCDONALDS CORP COM 580135101 650 2,632 SH   SOLE   0 0 2,632
MCDONALDS CORP COM 580135101 173 700 SH   OTR   0 0 700
MERCK & CO INC COM 58933Y105 7,539 82,686 SH   SOLE   0 0 82,686
MERCK & CO INC COM 58933Y105 265 2,907 SH   OTR   0 0 2,907
METLIFE INC COM 59156R108 205 3,278 SH   OTR   0 0 3,278
MICROSOFT CORP COM 594918104 262 1,021 SH   OTR   0 0 1,021
MICROSOFT CORP COM 594918104 3,502 13,637 SH   SOLE   0 0 13,637
MID-AMER APT CMNTYS INC COM 59522J103 664 3,802 SH   SOLE   0 0 3,802
MONDELEZ INTL INC CL A 609207105 156 2,511 SH   OTR   0 0 2,511
MONDELEZ INTL INC CL A 609207105 132 2,129 SH   SOLE   0 0 2,129
MORGAN STANLEY COM NEW 617446448 5 66 SH   OTR   0 0 66
MORGAN STANLEY COM NEW 617446448 695 9,134 SH   SOLE   0 0 9,134
NEXTERA ENERGY INC COM 65339F101 881 11,380 SH   SOLE   0 0 11,380
NORFOLK SOUTHN CORP COM 655844108 324 1,425 SH   SOLE   0 0 1,425
ORGANON & CO COMMON STOCK 68622V106 272 8,049 SH   SOLE   0 0 8,049
PAYPAL HLDGS INC COM 70450Y103 266 3,808 SH   SOLE   0 0 3,808
PAYPAL HLDGS INC COM 70450Y103 9 134 SH   OTR   0 0 134
PEPSICO INC COM 713448108 215 1,291 SH   OTR   0 0 1,291
PFIZER INC COM 717081103 332 6,325 SH   SOLE   0 0 6,325
PFIZER INC COM 717081103 280 5,348 SH   OTR   0 0 5,348
PHILIP MORRIS INTL INC COM 718172109 210 2,127 SH   SOLE   0 0 2,127
PHILIP MORRIS INTL INC COM 718172109 211 2,130 SH   OTR   0 0 2,130
PROCTER AND GAMBLE CO COM 742718109 304 2,111 SH   OTR   0 0 2,111
PROCTER AND GAMBLE CO COM 742718109 476 3,311 SH   SOLE   0 0 3,311
PRUDENTIAL FINL INC COM 744320102 215 2,248 SH   OTR   0 0 2,248
PRUDENTIAL FINL INC COM 744320102 17 180 SH   SOLE   0 0 180
SHELL PLC SPON ADS 780259305 516 9,864 SH   SOLE   0 0 9,864
SOUTHERN CO COM 842587107 421 5,906 SH   SOLE   0 0 5,906
SOUTHERN CO COM 842587107 192 2,689 SH   OTR   0 0 2,689
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 285 925 SH   SOLE   0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103 49 129 SH   OTR   0 0 129
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,197 5,822 SH   SOLE   0 0 5,822
SPDR SER TR NUVEEN BLMBRG MU 78468R721 3,085 67,264 SH   OTR   0 0 67,264
VALLEY NATL BANCORP COM 919794107 139 13,339 SH   SOLE   0 0 13,339
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1 9 SH   OTR   0 0 9
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 243 3,233 SH   SOLE   0 0 3,233
VANGUARD INDEX FDS GROWTH ETF 922908736 353 1,584 SH   OTR   0 0 1,584
VANGUARD INDEX FDS GROWTH ETF 922908736 105 470 SH   SOLE   0 0 470
VANGUARD INDEX FDS TOTAL STK MKT 922908769 22 115 SH   OTR   0 0 115
VANGUARD INDEX FDS TOTAL STK MKT 922908769 887 4,704 SH   SOLE   0 0 4,704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 258 6,204 SH   SOLE   0 0 6,204
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17 417 SH   OTR   0 0 417
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 591 4,121 SH   OTR   0 0 4,121
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,125 21,783 SH   SOLE   0 0 21,783
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 56 1,376 SH   OTR   0 0 1,376
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,842 45,135 SH   SOLE   0 0 45,135
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 796 7,824 SH   SOLE   0 0 7,824
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 73 722 SH   OTR   0 0 722
VANGUARD WORLD FDS INF TECH ETF 92204A702 230 703 SH   OTR   0 0 703
VANGUARD WORLD FDS INF TECH ETF 92204A702 567 1,737 SH   SOLE   0 0 1,737
VERIZON COMMUNICATIONS INC COM 92343V104 263 5,186 SH   OTR   0 0 5,186
VERIZON COMMUNICATIONS INC COM 92343V104 514 10,122 SH   SOLE   0 0 10,122
WALMART INC COM 931142103 235 1,931 SH   OTR   0 0 1,931
WALMART INC COM 931142103 390 3,209 SH   SOLE   0 0 3,209
WEC ENERGY GROUP INC COM 92939U106 219 2,173 SH   OTR   0 0 2,173