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
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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
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   217,305 3,233 SH   OTR   0 0 3,233
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   348,574 4,429 SH   OTR   0 0 4,429
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   160,969 3,251 SH   OTR   0 0 3,251
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,938,929 47,503 SH   SOLE   0 0 47,503
VERIZON COMMUNICATIONS INC COM 92343V104   12,981 300 SH   OTR   0 0 300
ISHARES TR TIPS BD ETF 464287176   25,334 230 SH   SOLE   0 0 230
ISHARES TR MORNINGSTAR VALU 464288109   3,757 45 SH   SOLE   0 0 45
NEXTERA ENERGY INC COM 65339F101   627,001 9,032 SH   OTR   0 0 9,032
DOMINION ENERGY INC COM 25746U109   22,107 391 SH   SOLE   0 0 391
GE AEROSPACE COM NEW 369604301   360,575 1,401 SH   OTR   0 0 1,401
VANGUARD INDEX FDS GROWTH ETF 922908736   256,542 585 SH   OTR   0 0 585
ISHARES TR RUS 1000 GRW ETF 464287614   82,538 194 SH   SOLE   0 0 194
ISHARES TR MSCI EMG MKT ETF 464287234   35,255 731 SH   SOLE   0 0 731
CHEMOURS CO COM 163851108   493 43 SH   OTR   0 0 43
CORTEVA INC COM 22052L104   24,741 332 SH   OTR   0 0 332
EXXON MOBIL CORP COM 30231G102   55,539 515 SH   SOLE   0 0 515
WALMART INC COM 931142103   178,286 1,823 SH   OTR   0 0 1,823
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,829,572 117,864 SH   SOLE   0 0 117,864
UNION PAC CORP COM 907818108   70,720 307 SH   OTR   0 0 307
ISHARES TR MSCI ACWI EX US 464288240   511,720 8,397 SH   OTR   0 0 8,397
VANGUARD INDEX FDS TOTAL STK MKT 922908769   95,724 315 SH   SOLE   0 0 315
JPMORGAN CHASE & CO. COM 46625H100   534,021 1,842 SH   OTR   0 0 1,842
ISHARES TR EAFE SML CP ETF 464288273   550,858 7,579 SH   OTR   0 0 7,579
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,009,775 40,593 SH   SOLE   0 0 40,593
VANGUARD INDEX FDS VALUE ETF 922908744   247,627 1,401 SH   OTR   0 0 1,401
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,003,765 3,624 SH   OTR   0 0 3,624
ISHARES TR IBOXX HI YD ETF 464288513   2,546,805 31,578 SH   SOLE   0 0 31,578
CARNIVAL CORP UNIT 99/99/9999 143658300   2,812 100 SH   SOLE   0 0 100
DUPONT DE NEMOURS INC COM 26614N102   80,914 1,180 SH   OTR   0 0 1,180
ISHARES TR 3 7 YR TREAS BD 464288661   3,763,317 31,601 SH   SOLE   0 0 31,601
ISHARES TR IBOXX INV CP ETF 464287242   2,026,656 18,490 SH   SOLE   0 0 18,490
ISHARES INC CORE MSCI EMKT 46434G103   463,476 7,721 SH   OTR   0 0 7,721
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   13,350 104 SH   SOLE   0 0 104
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   13,611 452 SH   SOLE   0 0 452
JOHNSON & JOHNSON COM 478160104   71,138 466 SH   OTR   0 0 466
ISHARES TR ESG MSCI LEADR 46435U218   13,872 128 SH   OTR   0 0 128
ISHARES INC JP MRG EM CRP BD 464286251   2,556,487 56,261 SH   SOLE   0 0 56,261
VANGUARD INDEX FDS SMALL CP ETF 922908751   136,183 575 SH   SOLE   0 0 575
ISHARES TR JPMORGAN USD EMG 464288281   2,028,773 21,904 SH   SOLE   0 0 21,904
ISHARES TR JPMORGAN USD EMG 464288281   162,756 1,757 SH   OTR   0 0 1,757
ISHARES TR CORE US AGGBD ET 464287226   1,068,644 10,773 SH   SOLE   0 0 10,773
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   333,688 2,543 SH   OTR   0 0 2,543
VERIZON COMMUNICATIONS INC COM 92343V104   136,537 3,155 SH   SOLE   0 0 3,155
LINCOLN NATL CORP IND COM 534187109   7,530 218 SH   OTR   0 0 218
CACI INTL INC CL A 127190304   619,710 1,300 SH   SOLE   0 0 1,300
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   191,062 2,924 SH   OTR   0 0 2,924
ISHARES TR 3 7 YR TREAS BD 464288661   351,651 2,953 SH   OTR   0 0 2,953
AMAZON COM INC COM 023135106   313,795 1,430 SH   SOLE   0 0 1,430
ISHARES INC MSCI EMRG CHN 46434G764   2,357 37 SH   SOLE   0 0 37
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,016,297 30,854 SH   SOLE   0 0 30,854
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   63,898 332 SH   SOLE   0 0 332
GE VERNOVA INC COM 36828A101   216,709 410 SH   OTR   0 0 410
VANGUARD WORLD FD MEGA CAP INDEX 921910873   1,366 6 SH   SOLE   0 0 6
PPG INDS INC COM 693506107   30,602 269 SH   OTR   0 0 269
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   242,300 428 SH   SOLE   0 0 428
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   4,085,758 187,334 SH   SOLE   0 0 187,334
ISHARES TR IBOXX INV CP ETF 464287242   183,752 1,676 SH   OTR   0 0 1,676
NVIDIA CORPORATION COM 67066G104   3,459 22 SH   SOLE   0 0 22
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,999,606 50,310 SH   SOLE   0 0 50,310
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   340,075 6,060 SH   OTR   0 0 6,060
COCA COLA CO COM 191216100   537,782 7,601 SH   OTR   0 0 7,601
GENERAL DYNAMICS CORP COM 369550108   1,598,180 5,480 SH   OTR   0 0 5,480
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   41,830 504 SH   OTR   0 0 504
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   348,786 4,387 SH   OTR   0 0 4,387
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   6,672,524 50,858 SH   SOLE   0 0 50,858
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   213,802 4,323 SH   OTR   0 0 4,323
WASTE MGMT INC DEL COM 94106L109   57,823 253 SH   OTR   0 0 253
VANGUARD INDEX FDS GROWTH ETF 922908736   963,412 2,198 SH   SOLE   0 0 2,198
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   515,223 39,511 SH   OTR   0 0 39,511
DOW INC COM 260557103   32,967 1,245 SH   OTR   0 0 1,245
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   34,416 465 SH   OTR   0 0 465
VANGUARD INDEX FDS VALUE ETF 922908744   962,979 5,449 SH   SOLE   0 0 5,449
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   396,041 1,393 SH   OTR   0 0 1,393
VANGUARD WORLD FD EXTENDED DUR 921910709   78,681 1,169 SH   SOLE   0 0 1,169
WEC ENERGY GROUP INC COM 92939U106   173,545 1,666 SH   OTR   0 0 1,666
VANGUARD WORLD FD ESG US STK ETF 921910733   35,790 326 SH   SOLE   0 0 326
INGERSOLL RAND INC COM 45687V106   41,610 500 SH   OTR   0 0 500
EXXON MOBIL CORP COM 30231G102   142,173 1,319 SH   OTR   0 0 1,319
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   9,263,827 32,574 SH   SOLE   0 0 32,574
VANGUARD INDEX FDS SML CP GRW ETF 922908595   8,762,991 31,642 SH   SOLE   0 0 31,642
CONSOLIDATED EDISON INC COM 209115104   52,820 526 SH   OTR   0 0 526
TRANE TECHNOLOGIES PLC SHS G8994E103   221,958 507 SH   OTR   0 0 507
3M CO COM 88579Y101   113,419 745 SH   OTR   0 0 745
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,616,502 68,678 SH   SOLE   0 0 68,678
VANGUARD INDEX FDS MID CAP ETF 922908629   84,025 300 SH   SOLE   0 0 300
ISHARES TR IBOXX HI YD ETF 464288513   341,254 4,231 SH   OTR   0 0 4,231
VANGUARD INDEX FDS SM CP VAL ETF 922908611   8,698,680 44,606 SH   SOLE   0 0 44,606
SOLVENTUM CORP COM SHS 83444M101   14,106 186 SH   OTR   0 0 186
PROCTER AND GAMBLE CO COM 742718109   338,714 2,126 SH   OTR   0 0 2,126
VANGUARD WORLD FD MEGA GRWTH IND 921910816   372,880 1,018 SH   OTR   0 0 1,018
VANGUARD INDEX FDS SM CP VAL ETF 922908611   929,415 4,766 SH   OTR   0 0 4,766
ALLSTATE CORP COM 020002101   145,547 723 SH   OTR   0 0 723
PFIZER INC COM 717081103   12,411 512 SH   OTR   0 0 512
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   592,135 3,600 SH   OTR   0 0 3,600
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   245,668 11,264 SH   OTR   0 0 11,264
ISHARES TR MRGSTR MD CP VAL 464288406   5,449 72 SH   SOLE   0 0 72
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   6,210,431 46,212 SH   SOLE   0 0 46,212
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   3,886,542 69,254 SH   SOLE   0 0 69,254
NORWEGIAN CRUISE LINE HLDG L SHS G66721104   2,028 100 SH   SOLE   0 0 100
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,945,903 4,768 SH   SOLE   0 0 4,768
ISHARES INC JP MRG EM CRP BD 464286251   334,949 7,371 SH   OTR   0 0 7,371
ISHARES TR MSCI EAFE ETF 464287465   1,313,746 14,697 SH   SOLE   0 0 14,697
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   2,215,303 169,885 SH   SOLE   0 0 169,885
ALLEGION PLC ORD SHS G0176J109   49,856 346 SH   OTR   0 0 346
VANGUARD WORLD FD MEGA GRWTH IND 921910816   6,630,557 18,108 SH   SOLE   0 0 18,108
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,934,563 49,994 SH   SOLE   0 0 49,994
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   167,082 1,243 SH   OTR   0 0 1,243
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   8,611,073 52,360 SH   SOLE   0 0 52,360