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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   146,687 920 SH   SOLE   0 0 920
ABBVIE INC COM 00287Y109   203,037 1,274 SH   OTR   0 0 1,274
ALPHABET INC CAP STK CL C 02079K107   205,920 1,980 SH   SOLE   0 0 1,980
ALPHABET INC CAP STK CL A 02079K305   431,724 4,162 SH   SOLE   0 0 4,162
ALPHABET INC CAP STK CL C 02079K107   15,808 152 SH   OTR   0 0 152
AMAZON COM INC COM 023135106   611,683 5,922 SH   SOLE   0 0 5,922
AMAZON COM INC COM 023135106   20,038 194 SH   OTR   0 0 194
AMERICAN ELEC PWR CO INC COM 025537101   210,187 2,310 SH   SOLE   0 0 2,310
APPLE INC COM 037833100   6,248,480 37,893 SH   SOLE   0 0 37,893
AT&T INC COM 00206R102   425,945 22,127 SH   SOLE   0 0 22,127
AT&T INC COM 00206R102   140,236 7,285 SH   OTR   0 0 7,285
AUTOMATIC DATA PROCESSING IN COM 053015103   234,207 1,052 SH   SOLE   0 0 1,052
AUTOZONE INC COM 053332102   245,815 100 SH   SOLE   0 0 100
BLACKROCK INC COM 09247X101   196,052 293 SH   OTR   0 0 293
BLACKROCK INC COM 09247X101   204,751 306 SH   SOLE   0 0 306
BRISTOL-MYERS SQUIBB CO COM 110122108   1,337,260 19,294 SH   SOLE   0 0 19,294
BRISTOL-MYERS SQUIBB CO COM 110122108   163,294 2,356 SH   OTR   0 0 2,356
CATERPILLAR INC COM 149123101   290,856 1,271 SH   SOLE   0 0 1,271
CATERPILLAR INC COM 149123101   222,661 973 SH   OTR   0 0 973
CHEVRON CORP NEW COM 166764100   553,161 3,390 SH   SOLE   0 0 3,390
CHEVRON CORP NEW COM 166764100   346,552 2,124 SH   OTR   0 0 2,124
CISCO SYS INC COM 17275R102   281,240 5,380 SH   SOLE   0 0 5,380
CISCO SYS INC COM 17275R102   261,375 5,000 SH   OTR   0 0 5,000
COCA COLA CO COM 191216100   1,153,500 18,596 SH   SOLE   0 0 18,596
COCA COLA CO COM 191216100   183,485 2,958 SH   OTR   0 0 2,958
CONOCOPHILLIPS COM 20825C104   31,747 320 SH   SOLE   0 0 320
CONOCOPHILLIPS COM 20825C104   239,493 2,414 SH   OTR   0 0 2,414
EXXON MOBIL CORP COM 30231G102   3,502,385 31,939 SH   SOLE   0 0 31,939
EXXON MOBIL CORP COM 30231G102   357,492 3,260 SH   OTR   0 0 3,260
FORD MTR CO DEL COM 345370860   6,364 505 SH   SOLE   0 0 505
FORD MTR CO DEL COM 345370860   136,307 10,818 SH   OTR   0 0 10,818
GALLAGHER ARTHUR J & CO COM 363576109   246,407 1,288 SH   OTR   0 0 1,288
GOLDMAN SACHS GROUP INC COM 38141G104   203,939 623 SH   SOLE   0 0 623
GOLDMAN SACHS GROUP INC COM 38141G104   3,598 11 SH   OTR   0 0 11
HERSHEY CO COM 427866108   254,410 1,000 SH   SOLE   0 0 1,000
HERSHEY CO COM 427866108   24,423 96 SH   OTR   0 0 96
HOME DEPOT INC COM 437076102   366,401 1,242 SH   SOLE   0 0 1,242
HOME DEPOT INC COM 437076102   239,637 812 SH   OTR   0 0 812
ILLINOIS TOOL WKS INC COM 452308109   353,489 1,452 SH   SOLE   0 0 1,452
INTEL CORP COM 458140100   358,846 10,984 SH   SOLE   0 0 10,984
INTERNATIONAL BUSINESS MACHS COM 459200101   93,729 715 SH   OTR   0 0 715
INTERNATIONAL BUSINESS MACHS COM 459200101   155,604 1,187 SH   SOLE   0 0 1,187
ISHARES INC ESG AWR MSCI EM 46434G863   11,711 372 SH   SOLE   0 0 372
ISHARES INC CORE MSCI EMKT 46434G103   167,496 3,433 SH   OTR   0 0 3,433
ISHARES INC CORE MSCI EMKT 46434G103   83,968 1,721 SH   SOLE   0 0 1,721
ISHARES INC ESG AWR MSCI EM 46434G863   634,857 20,167 SH   OTR   0 0 20,167
ISHARES TR MSCI USA QLT FCT 46432F339   1,175,392 9,474 SH   SOLE   0 0 9,474
ISHARES TR US TREAS BD ETF 46429B267   50,758 2,171 SH   SOLE   0 0 2,171
ISHARES TR U.S. TECH ETF 464287721   192,240 2,071 SH   SOLE   0 0 2,071
ISHARES TR RUS 1000 GRW ETF 464287614   2,560,346 10,479 SH   SOLE   0 0 10,479
ISHARES TR SELECT DIVID ETF 464287168   754,991 6,443 SH   SOLE   0 0 6,443
ISHARES TR CORE TOTAL USD 46434V613   893,972 19,371 SH   SOLE   0 0 19,371
ISHARES TR MBS ETF 464288588   80,426 849 SH   SOLE   0 0 849
ISHARES TR 10-20 YR TRS ETF 464288653   331,708 2,896 SH   SOLE   0 0 2,896
ISHARES TR CORE DIV GRWTH 46434V621   484,753 9,697 SH   SOLE   0 0 9,697
ISHARES TR RUS 1000 VAL ETF 464287598   1,830,774 12,024 SH   SOLE   0 0 12,024
ISHARES TR US HLTHCARE ETF 464287762   16,930 62 SH   SOLE   0 0 62
ISHARES TR ESG AWR MSCI USA 46435G425   145,353 1,607 SH   SOLE   0 0 1,607
ISHARES TR MSCI USA MIN VOL 46429B697   367,555 5,053 SH   SOLE   0 0 5,053
ISHARES TR EAFE GRWTH ETF 464288885   1,032,447 11,021 SH   SOLE   0 0 11,021
ISHARES TR EAFE VALUE ETF 464288877   678,110 13,973 SH   SOLE   0 0 13,973
ISHARES TR RUSSELL 3000 ETF 464287689   1,164,034 4,945 SH   SOLE   0 0 4,945
ISHARES TR S&P 500 GRWT ETF 464287309   3,944,917 61,745 SH   SOLE   0 0 61,745
ISHARES TR MSCI INTL VLU FT 46435G409   7,511 303 SH   SOLE   0 0 303
ISHARES TR MBS ETF 464288588   596,515 6,297 SH   OTR   0 0 6,297
ISHARES TR CORE US AGGBD ET 464287226   477,375 4,791 SH   OTR   0 0 4,791
ISHARES TR MSCI USA VALUE 46432F388   2,107 23 SH   SOLE   0 0 23
ISHARES TR NATIONAL MUN ETF 464288414   33,507 311 SH   SOLE   0 0 311
ISHARES TR EAFE VALUE ETF 464288877   1,688,795 34,799 SH   OTR   0 0 34,799
ISHARES TR RUS 2000 VAL ETF 464287630   274,725 2,005 SH   SOLE   0 0 2,005
ISHARES TR ESG MSCI EM LDRS 46436E601   278,826 6,124 SH   OTR   0 0 6,124
ISHARES TR 20 YR TR BD ETF 464287432   386,123 3,630 SH   OTR   0 0 3,630
ISHARES TR S&P 100 ETF 464287101   4,448,372 23,783 SH   OTR   0 0 23,783
ISHARES TR CORE S&P SCP ETF 464287804   397,824 4,114 SH   SOLE   0 0 4,114
ISHARES TR ESG AWR MSCI USA 46435G425   1,493,149 16,508 SH   OTR   0 0 16,508
ISHARES TR S&P 100 ETF 464287101   280,560 1,500 SH   SOLE   0 0 1,500
ISHARES TR RUS 1000 GRW ETF 464287614   374,069 1,531 SH   OTR   0 0 1,531
ISHARES TR CORE US AGGBD ET 464287226   353,523 3,548 SH   SOLE   0 0 3,548
ISHARES TR CORE S&P TTL STK 464287150   60,397 667 SH   OTR   0 0 667
ISHARES TR MSCI USA MIN VOL 46429B697   721,945 9,925 SH   OTR   0 0 9,925
ISHARES TR CORE MSCI EAFE 46432F842   1,340,677 20,055 SH   SOLE   0 0 20,055
ISHARES TR U.S. TECH ETF 464287721   642,245 6,920 SH   OTR   0 0 6,920
ISHARES TR NATIONAL MUN ETF 464288414   2,595,026 24,086 SH   OTR   0 0 24,086
ISHARES TR CORE S&P500 ETF 464287200   3,563,241 8,668 SH   OTR   0 0 8,668
ISHARES TR MSCI USA VALUE 46432F388   491,468 5,308 SH   OTR   0 0 5,308
ISHARES TR MSCI INTL VLU FT 46435G409   1,247,334 50,316 SH   OTR   0 0 50,316
ISHARES TR CORE S&P SCP ETF 464287804   497,715 5,147 SH   OTR   0 0 5,147
ISHARES TR US TREAS BD ETF 46429B267   300,223 12,841 SH   OTR   0 0 12,841
ISHARES TR S&P SML 600 GWT 464287887   540,575 4,917 SH   OTR   0 0 4,917
ISHARES TR SHRT NAT MUN ETF 464288158   449,915 4,298 SH   OTR   0 0 4,298
ISHARES TR CORE MSCI EAFE 46432F842   92,788 1,388 SH   OTR   0 0 1,388
ISHARES TR EAFE GRWTH ETF 464288885   3,065,022 32,718 SH   OTR   0 0 32,718
ISHARES TR U.S. ENERGY ETF 464287796   360,631 8,243 SH   OTR   0 0 8,243
ISHARES TR CORE S&P500 ETF 464287200   1,013,312 2,465 SH   SOLE   0 0 2,465
ISHARES TR ESG MSCI LEADR 46435U218   5,465,214 76,694 SH   OTR   0 0 76,694
ISHARES TR S&P 500 VAL ETF 464287408   1,504,711 9,915 SH   SOLE   0 0 9,915
ISHARES TR S&P 500 GRWT ETF 464287309   2,633,226 41,215 SH   OTR   0 0 41,215
ISHARES TR SHRT NAT MUN ETF 464288158   5,234 50 SH   SOLE   0 0 50
ISHARES TR RUSSELL 3000 ETF 464287689   113,938 484 SH   OTR   0 0 484
ISHARES TR CORE S&P MCP ETF 464287507   134,836 539 SH   SOLE   0 0 539
ISHARES TR RUS 2000 VAL ETF 464287630   17,265 126 SH   OTR   0 0 126
ISHARES TR RUS 1000 VAL ETF 464287598   239,200 1,571 SH   OTR   0 0 1,571
ISHARES TR CORE TOTAL USD 46434V613   1,029,976 22,318 SH   OTR   0 0 22,318
ISHARES TR US HLTHCARE ETF 464287762   469,663 1,720 SH   OTR   0 0 1,720
ISHARES TR EUROPE ETF 464287861   275,210 5,502 SH   OTR   0 0 5,502
ISHARES TR MSCI EMG MKT ETF 464287234   1,230,560 31,185 SH   OTR   0 0 31,185
ISHARES TR MSCI USA QLT FCT 46432F339   347,382 2,800 SH   OTR   0 0 2,800
ISHARES TR 7-10 YR TRSY BD 464287440   295,477 2,981 SH   OTR   0 0 2,981
ISHARES TR S&P 500 VAL ETF 464287408   1,620,038 10,675 SH   OTR   0 0 10,675
ISHARES TR 10-20 YR TRS ETF 464288653   508,099 4,436 SH   OTR   0 0 4,436
ISHARES TR CORE S&P MCP ETF 464287507   166,607 666 SH   OTR   0 0 666
ISHARES TR GLOB HLTHCRE ETF 464287325   305,181 3,661 SH   OTR   0 0 3,661
ISHARES TR CORE S&P TTL STK 464287150   491,596 5,429 SH   SOLE   0 0 5,429
JOHNSON & JOHNSON COM 478160104   1,105,245 7,131 SH   SOLE   0 0 7,131
JOHNSON & JOHNSON COM 478160104   263,655 1,701 SH   OTR   0 0 1,701
JPMORGAN CHASE & CO COM 46625H100   763,756 5,861 SH   SOLE   0 0 5,861
JPMORGAN CHASE & CO COM 46625H100   312,874 2,401 SH   OTR   0 0 2,401
KIMBERLY-CLARK CORP COM 494368103   442,926 3,300 SH   SOLE   0 0 3,300
KIMBERLY-CLARK CORP COM 494368103   5,235 39 SH   OTR   0 0 39
KROGER CO COM 501044101   1,614,899 32,710 SH   SOLE   0 0 32,710
LOCKHEED MARTIN CORP COM 539830109   1,524,082 3,224 SH   SOLE   0 0 3,224
LOCKHEED MARTIN CORP COM 539830109   129,055 273 SH   OTR   0 0 273
MCDONALDS CORP COM 580135101   182,306 652 SH   OTR   0 0 652
MCDONALDS CORP COM 580135101   737,124 2,636 SH   SOLE   0 0 2,636
MERCK & CO INC COM 58933Y105   8,339,766 78,389 SH   SOLE   0 0 78,389
MERCK & CO INC COM 58933Y105   299,594 2,816 SH   OTR   0 0 2,816
MICROSOFT CORP COM 594918104   3,932,998 13,642 SH   SOLE   0 0 13,642
MICROSOFT CORP COM 594918104   319,148 1,107 SH   OTR   0 0 1,107
MID-AMER APT CMNTYS INC COM 59522J103   537,761 3,560 SH   SOLE   0 0 3,560
MONDELEZ INTL INC CL A 609207105   167,119 2,397 SH   OTR   0 0 2,397
MONDELEZ INTL INC CL A 609207105   148,434 2,129 SH   SOLE   0 0 2,129
MORGAN STANLEY COM NEW 617446448   806,395 9,184 SH   SOLE   0 0 9,184
MORGAN STANLEY COM NEW 617446448   3,775 43 SH   OTR   0 0 43
NEXTERA ENERGY INC COM 65339F101   877,170 11,380 SH   SOLE   0 0 11,380
NORFOLK SOUTHN CORP COM 655844108   303,917 1,434 SH   SOLE   0 0 1,434
PAYPAL HLDGS INC COM 70450Y103   288,192 3,795 SH   SOLE   0 0 3,795
PEPSICO INC COM 713448108   251,392 1,379 SH   OTR   0 0 1,379
PFIZER INC COM 717081103   218,566 5,357 SH   OTR   0 0 5,357
PFIZER INC COM 717081103   239,000 5,858 SH   SOLE   0 0 5,858
PHILIP MORRIS INTL INC COM 718172109   182,636 1,878 SH   SOLE   0 0 1,878
PHILIP MORRIS INTL INC COM 718172109   204,419 2,102 SH   OTR   0 0 2,102
PROCTER AND GAMBLE CO COM 742718109   306,747 2,063 SH   OTR   0 0 2,063
PROCTER AND GAMBLE CO COM 742718109   482,579 3,246 SH   SOLE   0 0 3,246
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   305,408 4,175 SH   SOLE   0 0 4,175
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   70,453 963 SH   OTR   0 0 963
SHELL PLC SPON ADS 780259305   561,821 9,764 SH   SOLE   0 0 9,764
SOUTHERN CO COM 842587107   355,667 5,112 SH   SOLE   0 0 5,112
SOUTHERN CO COM 842587107   181,952 2,615 SH   OTR   0 0 2,615
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   307,674 925 SH   SOLE   0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,382,517 5,820 SH   SOLE   0 0 5,820
SPDR S&P 500 ETF TR TR UNIT 78462F103   52,811 129 SH   OTR   0 0 129
SPDR SER TR NUVEEN BLMBRG MU 78468R721   425,547 9,089 SH   OTR   0 0 9,089
TEXAS INSTRS INC COM 882508104   219,492 1,180 SH   SOLE   0 0 1,180
VALLEY NATL BANCORP COM 919794107   123,252 13,339 SH   SOLE   0 0 13,339
VANGUARD INDEX FDS GROWTH ETF 922908736   307,061 1,231 SH   SOLE   0 0 1,231
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   726,567 1,932 SH   SOLE   0 0 1,932
VANGUARD INDEX FDS GROWTH ETF 922908736   362,935 1,455 SH   OTR   0 0 1,455
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,946,286 19,130 SH   SOLE   0 0 19,130
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   634,675 4,121 SH   OTR   0 0 4,121
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   531,866 11,775 SH   SOLE   0 0 11,775
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   39,072 865 SH   OTR   0 0 865
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   758,744 7,192 SH   SOLE   0 0 7,192
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   76,171 722 SH   OTR   0 0 722
VANGUARD WORLD FDS INF TECH ETF 92204A702   754,281 1,957 SH   SOLE   0 0 1,957
VANGUARD WORLD FDS INF TECH ETF 92204A702   221,260 574 SH   OTR   0 0 574
VERIZON COMMUNICATIONS INC COM 92343V104   387,994 9,977 SH   SOLE   0 0 9,977
VERIZON COMMUNICATIONS INC COM 92343V104   196,783 5,060 SH   OTR   0 0 5,060
WALMART INC COM 931142103   458,800 3,112 SH   SOLE   0 0 3,112
WALMART INC COM 931142103   271,161 1,839 SH   OTR   0 0 1,839