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
ABBOTT LABS COM 002824100   811,564 7,175 SH   SOLE   7,175 0 0
ABBVIE INC COM 00287Y109   60,240 339 SH   OTR   339 0 0
ABBVIE INC COM 00287Y109   995,831 5,604 SH   SOLE   5,604 0 0
ADOBE INC COM 00724F101   601,207 1,352 SH   SOLE   1,352 0 0
ADVANCED MICRO DEVICES INC COM 007903107   293,520 2,430 SH   SOLE   2,430 0 0
AFLAC INC COM 001055102   465,377 4,499 SH   SOLE   4,499 0 0
ALLSTATE CORP COM 020002101   46,270 240 SH   OTR   240 0 0
ALLSTATE CORP COM 020002101   5,801,244 30,091 SH   SOLE   30,024 0 67
ALPHABET INC CAP STK CL A 02079K305   6,180,645 32,650 SH   SOLE   32,589 0 61
ALPHABET INC CAP STK CL C 02079K107   41,897 220 SH   OTR   220 0 0
ALPHABET INC CAP STK CL C 02079K107   3,226,625 16,943 SH   SOLE   16,883 0 60
AMAZON COM INC COM 023135106   1,213,007 5,529 SH   SOLE   5,529 0 0
AMERICAN ELEC PWR CO INC COM 025537101   37,814 410 SH   OTR   410 0 0
AMERICAN ELEC PWR CO INC COM 025537101   393,545 4,267 SH   SOLE   4,267 0 0
AMERICAN EXPRESS CO COM 025816109   447,856 1,509 SH   SOLE   1,509 0 0
AMERIPRISE FINL INC COM 03076C106   355,131 667 SH   SOLE   667 0 0
AMGEN INC COM 031162100   285,922 1,097 SH   SOLE   1,097 0 0
ANALOG DEVICES INC COM 032654105   469,537 2,210 SH   SOLE   2,210 0 0
APPLE INC COM 037833100   50,084 200 SH   OTR   200 0 0
APPLE INC COM 037833100   15,945,494 63,675 SH   SOLE   63,605 0 70
APPLIED MATLS INC COM 038222105   15,450 95 SH   OTR   95 0 0
APPLIED MATLS INC COM 038222105   5,286,613 32,507 SH   SOLE   32,344 0 163
GALLAGHER ARTHUR J & CO COM 363576109   260,290 917 SH   SOLE   917 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   662,155 2,262 SH   SOLE   2,262 0 0
AUTOZONE INC COM 053332102   4,991,918 1,559 SH   SOLE   1,556 0 3
BANK NEW YORK MELLON CORP COM 064058100   293,875 3,825 SH   SOLE   3,825 0 0
BANK MONTREAL QUE COM 063671101   11,355 117 SH   OTR   117 0 0
BANK MONTREAL QUE COM 063671101   5,493,224 56,602 SH   SOLE   56,407 0 195
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,392,865 5,279 SH   SOLE   5,279 0 0
BHP GROUP LTD SPONSORED ADS 088606108   12,110 248 SH   OTR   248 0 0
BHP GROUP LTD SPONSORED ADS 088606108   809,260 16,573 SH   SOLE   16,528 0 45
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   5,315,696 41,303 SH   SOLE   41,130 0 173
BRISTOL-MYERS SQUIBB CO COM 110122108   221,998 3,925 SH   SOLE   3,925 0 0
BROADCOM INC COM 11135F101   1,393,822 6,012 SH   SOLE   6,012 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   353,655 5,181 SH   SOLE   5,181 0 0
CATERPILLAR INC COM 149123101   457,078 1,260 SH   SOLE   1,260 0 0
CENCORA INC COM 03073E105   4,694,015 20,892 SH   SOLE   20,840 0 52
CHECK POINT SOFTWARE TECH LT ORD M22465104   6,947,294 37,211 SH   SOLE   37,142 0 69
CHEVRON CORP NEW COM 166764100   33,313 230 SH   OTR   230 0 0
CHEVRON CORP NEW COM 166764100   5,128,784 35,410 SH   SOLE   35,359 0 51
CHUBB LIMITED COM H1467J104   4,895,760 17,719 SH   SOLE   17,675 0 44
CISCO SYS INC COM 17275R102   37,178 628 SH   OTR   628 0 0
CISCO SYS INC COM 17275R102   6,814,926 115,117 SH   SOLE   114,942 0 175
CITIGROUP INC COM NEW 172967424   22,877 325 SH   OTR   325 0 0
CITIGROUP INC COM NEW 172967424   268,819 3,819 SH   SOLE   3,819 0 0
CLEVELAND-CLIFFS INC NEW COM 185899101   2,667,776 283,806 SH   SOLE   283,161 0 645
COCA COLA CO COM 191216100   5,799,270 93,146 SH   SOLE   92,824 0 322
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   1,067,064 13,876 SH   SOLE   13,866 0 10
COMCAST CORP NEW CL A 20030N101   14,449 385 SH   OTR   385 0 0
COMCAST CORP NEW CL A 20030N101   353,870 9,429 SH   SOLE   9,429 0 0
CONOCOPHILLIPS COM 20825C104   462,926 4,668 SH   SOLE   4,568 0 100
COSTCO WHSL CORP NEW COM 22160K105   460,884 503 SH   SOLE   503 0 0
CROCS INC COM 227046109   4,349,436 39,710 SH   SOLE   39,612 0 98
CSX CORP COM 126408103   398,567 12,351 SH   SOLE   12,351 0 0
CUMMINS INC COM 231021106   15,338 44 SH   OTR   44 0 0
CUMMINS INC COM 231021106   5,713,903 16,391 SH   SOLE   16,351 0 40
D R HORTON INC COM 23331A109   4,023,740 28,778 SH   SOLE   28,697 0 81
DANAHER CORPORATION COM 235851102   745,578 3,248 SH   SOLE   3,248 0 0
DEERE & CO COM 244199105   306,759 724 SH   SOLE   724 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   23,519 185 SH   OTR   185 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   3,607,949 28,380 SH   SOLE   28,321 0 59
DISCOVER FINL SVCS COM 254709108   219,656 1,268 SH   SOLE   1,268 0 0
DISNEY WALT CO COM 254687106   13,362 120 SH   OTR   120 0 0
DISNEY WALT CO COM 254687106   637,590 5,726 SH   SOLE   5,726 0 0
DOLLAR GEN CORP NEW COM 256677105   2,971,462 39,191 SH   SOLE   39,115 0 76
DOMINION ENERGY INC COM 25746U109   313,950 5,829 SH   SOLE   5,829 0 0
DOW INC COM 260557103   8,628 215 SH   OTR   215 0 0
DOW INC COM 260557103   303,945 7,574 SH   SOLE   7,481 0 93
DUKE ENERGY CORP NEW COM NEW 26441C204   679,516 6,307 SH   SOLE   6,307 0 0
DUPONT DE NEMOURS INC COM 26614N102   265,350 3,480 SH   SOLE   3,430 0 50
EATON CORP PLC SHS G29183103   131,089 395 SH   OTR   395 0 0
EATON CORP PLC SHS G29183103   1,411,443 4,253 SH   SOLE   4,253 0 0
ELECTRONIC ARTS INC COM 285512109   234,080 1,600 SH   SOLE   1,600 0 0
ELI LILLY & CO COM 532457108   2,981,464 3,862 SH   SOLE   3,862 0 0
EMERSON ELEC CO COM 291011104   1,209,309 9,758 SH   SOLE   9,758 0 0
EXELON CORP COM 30161N101   244,171 6,487 SH   SOLE   6,487 0 0
EXXON MOBIL CORP COM 30231G102   31,841 296 SH   OTR   296 0 0
EXXON MOBIL CORP COM 30231G102   6,705,161 62,333 SH   SOLE   62,206 0 127
FISERV INC COM 337738108   521,972 2,541 SH   SOLE   2,541 0 0
FORD MTR CO COM 345370860   317,612 32,082 SH   SOLE   32,082 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   2,839,763 40,087 SH   SOLE   40,087 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   443,781 775 SH   SOLE   775 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   208,407 1,905 SH   SOLE   1,905 0 0
HCA HEALTHCARE INC COM 40412C101   590,995 1,969 SH   SOLE   1,969 0 0
HOME DEPOT INC COM 437076102   6,938,804 17,838 SH   SOLE   17,807 0 31
HONEYWELL INTL INC COM 438516106   597,931 2,647 SH   SOLE   2,647 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   10,085 419 SH   OTR   419 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   638,746 26,537 SH   SOLE   26,366 0 171
INCYTE CORP COM 45337C102   4,248,772 61,514 SH   SOLE   61,401 0 113
INTERNATIONAL BUSINESS MACHS COM 459200101   23,742 108 SH   OTR   108 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,235,225 5,619 SH   SOLE   5,600 0 19
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   13,127 569 SH   OTR   569 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   2,295,350 99,495 SH   SOLE   99,214 0 281
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   12,615 542 SH   OTR   542 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   878,608 37,749 SH   SOLE   37,462 0 287
INVESCO EXCH TRD SLF IDX FD BULETSHS 2027 46138J585   254,352 11,355 SH   SOLE   11,355 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   2,391,355 59,280 SH   SOLE   59,280 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,952,387 3,819 SH   SOLE   3,819 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   227,150 3,245 SH   SOLE   3,245 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   446,837 2,550 SH   SOLE   2,550 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   56,018 499 SH   OTR   499 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   795,699 7,088 SH   SOLE   7,035 0 53
ISHARES TR CORE MSCI EAFE 46432F842   1,331,103 18,940 SH   SOLE   18,940 0 0
ISHARES INC CORE MSCI EMKT 46434G103   918,080 17,581 SH   SOLE   17,581 0 0
ISHARES TR CORE S&P500 ETF 464287200   85,947 146 SH   OTR   0 146 0
ISHARES TR CORE S&P500 ETF 464287200   14,312,577 24,313 SH   SOLE   24,313 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,634,781 20,485 SH   SOLE   20,485 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   415,384 8,164 SH   SOLE   8,164 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   12,675 506 SH   OTR   506 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,340,000 53,493 SH   SOLE   53,331 0 162
ISHARES TR MSCI EAFE ETF 464287465   227,435 3,008 SH   SOLE   3,008 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   445,352 1,109 SH   SOLE   1,109 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   25,789 254 SH   OTR   0 254 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,557,033 25,185 SH   SOLE   25,185 0 0
ISHARES TR SELECT DIVID ETF 464287168   317,197 2,416 SH   SOLE   2,416 0 0
ISHARES TR EAFE VALUE ETF 464288877   33,791 644 SH   OTR   644 0 0
ISHARES TR EAFE VALUE ETF 464288877   306,845 5,848 SH   SOLE   5,848 0 0
ISHARES TR 20 YR TR BD ETF 464287432   15,028,096 172,084 SH   SOLE   172,084 0 0
ISHARES TR PFD AND INCM SEC 464288687   29,239 930 SH   OTR   930 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,483,339 47,180 SH   SOLE   47,099 0 81
JPMORGAN CHASE & CO. COM 46625H100   58,729 245 SH   OTR   245 0 0
JPMORGAN CHASE & CO. COM 46625H100   7,664,248 31,973 SH   SOLE   31,909 0 64
JOHNSON & JOHNSON COM 478160104   1,653,585 11,434 SH   SOLE   11,434 0 0
KKR & CO INC COM 48251W104   358,682 2,425 SH   SOLE   2,425 0 0
KLA CORP COM NEW 482480100   1,107,121 1,757 SH   SOLE   1,757 0 0
LINDE PLC SHS G54950103   543,434 1,298 SH   SOLE   1,298 0 0
LOCKHEED MARTIN CORP COM 539830109   6,068,419 12,488 SH   SOLE   12,469 0 19
LOWES COS INC COM 548661107   2,283,147 9,251 SH   SOLE   9,251 0 0
MARATHON PETE CORP COM 56585A102   386,415 2,770 SH   SOLE   2,770 0 0
MARVELL TECHNOLOGY INC COM 573874104   200,356 1,814 SH   SOLE   1,814 0 0
MASTERCARD INCORPORATED CL A 57636Q104   250,647 476 SH   SOLE   476 0 0
MCDONALDS CORP COM 580135101   687,619 2,372 SH   SOLE   2,322 0 50
MEDTRONIC PLC SHS G5960L103   355,067 4,445 SH   SOLE   4,445 0 0
MERCK & CO INC COM 58933Y105   5,630,568 56,600 SH   SOLE   56,359 0 241
META PLATFORMS INC CL A 30303M102   850,746 1,453 SH   SOLE   1,453 0 0
METLIFE INC COM 59156R108   623,516 7,615 SH   SOLE   7,615 0 0
MICRON TECHNOLOGY INC COM 595112103   684,052 8,128 SH   SOLE   8,128 0 0
MICROSOFT CORP COM 594918104   164,385 390 SH   OTR   390 0 0
MICROSOFT CORP COM 594918104   14,734,376 34,957 SH   SOLE   34,928 0 29
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,721,840 3,023 SH   SOLE   3,023 0 0
MONDELEZ INTL INC CL A 609207105   497,431 8,328 SH   SOLE   8,328 0 0
MORGAN STANLEY COM NEW 617446448   3,677,687 29,253 SH   SOLE   29,181 0 72
NETFLIX INC COM 64110L106   442,986 497 SH   SOLE   497 0 0
NEXTERA ENERGY INC COM 65339F101   526,276 7,341 SH   SOLE   7,341 0 0
NOKIA CORP SPONSORED ADR 654902204   126,038 28,451 SH   SOLE   28,451 0 0
NORDSON CORP COM 655663102   327,879 1,567 SH   SOLE   1,567 0 0
NORTHROP GRUMMAN CORP COM 666807102   422,361 900 SH   SOLE   900 0 0
NORTHWEST BANCSHARES INC MD COM 667340103   3,629,862 275,198 SH   SOLE   232,358 0 42,840
NVIDIA CORPORATION COM 67066G104   2,712,121 20,196 SH   SOLE   20,196 0 0
ORACLE CORP COM 68389X105   116,481 699 SH   OTR   699 0 0
ORACLE CORP COM 68389X105   186,637 1,120 SH   SOLE   1,120 0 0
OTIS WORLDWIDE CORP COM 68902V107   324,598 3,505 SH   SOLE   3,505 0 0
PARKER-HANNIFIN CORP COM 701094104   429,320 675 SH   SOLE   675 0 0
PEPSICO INC COM 713448108   971,511 6,389 SH   SOLE   6,389 0 0
PFIZER INC COM 717081103   709,784 26,754 SH   SOLE   26,754 0 0
PHILIP MORRIS INTL INC COM 718172109   16,247 135 SH   OTR   135 0 0
PHILIP MORRIS INTL INC COM 718172109   1,071,476 8,903 SH   SOLE   8,878 0 25
PIMCO EQUITY SER RAFI ESG US 72201T342   5,978,085 164,459 SH   SOLE   164,459 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,160,764 6,019 SH   SOLE   6,019 0 0
PPL CORP COM 69351T106   14,477 446 SH   OTR   446 0 0
PPL CORP COM 69351T106   492,645 15,177 SH   SOLE   15,088 0 89
PROCTER AND GAMBLE CO COM 742718109   6,906,845 41,198 SH   SOLE   41,135 0 63
PROGRESSIVE CORP COM 743315103   761,720 3,179 SH   SOLE   3,179 0 0
PRUDENTIAL FINL INC COM 744320102   291,465 2,459 SH   SOLE   2,459 0 0
PUBLIC STORAGE OPER CO COM 74460D109   10,181 34 SH   OTR   34 0 0
PUBLIC STORAGE OPER CO COM 74460D109   4,450,876 14,864 SH   SOLE   14,830 0 34
QUALCOMM INC COM 747525103   442,579 2,881 SH   SOLE   2,881 0 0
RTX CORPORATION COM 75513E101   861,188 7,442 SH   SOLE   7,442 0 0
RIO TINTO PLC SPONSORED ADR 767204100   3,311,062 56,301 SH   SOLE   56,185 0 116
S&P GLOBAL INC COM 78409V104   353,103 709 SH   SOLE   709 0 0
SANDY SPRING BANCORP INC COM 800363103   1,068,742 31,704 SH   SOLE   31,704 0 0
SANOFI SPONSORED ADR 80105N105   3,180,334 65,941 SH   SOLE   65,821 0 120
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   98,248 4,149 SH   OTR   4,149 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   139,923,249 5,908,921 SH   SOLE   5,895,377 0 13,544
SELECT SECTOR SPDR TR ENERGY 81369Y506   487,405 5,690 SH   SOLE   5,690 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   238,798 1,027 SH   SOLE   1,027 0 0
SNAP ON INC COM 833034101   764,169 2,251 SH   SOLE   2,218 0 33
SOUTHERN CO COM 842587107   249,183 3,027 SH   SOLE   3,027 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   278,812 6,448 SH   SOLE   6,448 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   1,501,181 33,419 SH   SOLE   33,419 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,780,802 6,451 SH   SOLE   6,451 0 0
STRYKER CORPORATION COM 863667101   347,808 966 SH   SOLE   966 0 0
SUN LIFE FINANCIAL INC. COM 866796105   231,307 3,898 SH   SOLE   3,898 0 0
T-MOBILE US INC COM 872590104   273,043 1,237 SH   SOLE   1,237 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   6,403,416 32,424 SH   SOLE   32,331 0 93
TARGET CORP COM 87612E106   1,062,515 7,860 SH   SOLE   7,860 0 0
TESLA INC COM 88160R101   1,522,881 3,771 SH   SOLE   3,771 0 0
TEXAS INSTRS INC COM 882508104   537,966 2,869 SH   SOLE   2,869 0 0
TJX COS INC NEW COM 872540109   461,373 3,819 SH   SOLE   3,819 0 0
TOYOTA MOTOR CORP ADS 892331307   3,748,772 19,263 SH   SOLE   19,263 0 0
TRACTOR SUPPLY CO COM 892356106   1,142,117 21,525 SH   SOLE   21,500 0 25
TRAVELERS COMPANIES INC COM 89417E109   4,656,645 19,331 SH   SOLE   19,276 0 55
UNITED PARCEL SERVICE INC CL B 911312106   3,984,508 31,598 SH   SOLE   31,441 0 157
UNITEDHEALTH GROUP INC COM 91324P102   844,280 1,669 SH   SOLE   1,669 0 0
VALE S A SPONSORED ADS 91912E105   3,254,430 366,903 SH   SOLE   366,271 0 632
VALERO ENERGY CORP COM 91913Y100   3,858,765 31,477 SH   SOLE   31,412 0 65
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,075,694 5,493 SH   SOLE   5,493 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,446,801 3,525 SH   SOLE   3,500 0 25
VANGUARD INDEX FDS VALUE ETF 922908744   801,974 4,737 SH   SOLE   4,737 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   286,738 1,130 SH   SOLE   1,130 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   19,412 120 SH   OTR   120 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   399,087 2,467 SH   SOLE   2,437 0 30
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   24,319 273 SH   OTR   273 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   389,280 4,370 SH   SOLE   4,358 0 12
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   18,176 233 SH   OTR   99 134 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   31,939,088 409,423 SH   SOLE   408,616 0 807
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   314,180 4,066 SH   SOLE   4,066 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   723,115 2,582 SH   SOLE   2,582 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   355,887 1,228 SH   SOLE   1,228 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   4,720,047 11,721 SH   SOLE   11,698 0 23
VISA INC COM CL A 92826C839   2,488,183 7,873 SH   SOLE   7,770 0 103
WALMART INC COM 931142103   8,684,713 96,123 SH   SOLE   95,949 0 174
WASTE MGMT INC DEL COM 94106L109   1,384,279 6,860 SH   SOLE   6,710 0 150
WELLS FARGO CO NEW COM 949746101   220,483 3,139 SH   SOLE   3,139 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105   1,408,180 4,299 SH   SOLE   4,299 0 0