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
AMAZON COM INC COM Stock 023135106   20,869 112 SH   OTR SEI 0 0 112
AMAZON COM INC COM Stock 023135106   70,805 380 SH   DFND 0 0 380 0
AMAZON COM INC COM Stock 023135106   2,689,301 14,433 SH   SOLE 0 14,433 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103   377,868 774 SH   SOLE 0 774 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   559,260 2,477 SH   SOLE 0 2,477 0 0
OLD REP INTL CORP COM Stock 680223104   6,624 187 SH   SOLE 0 187 0 0
OLD REP INTL CORP COM Stock 680223104   882,131 24,905 SH   DFND 0 0 24,904 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   1,299,457 49,711 SH   SOLE 0 49,711 0 0
ISHARES GOLD TRUST ETF 464285204   884,113 17,789 SH   SOLE 0 17,789 0 0
ISHARES GOLD TRUST ETF 464285204   1,645,070 33,100 SH   DFND 0 0 33,100 0
JOHNSON & JOHNSON COM Stock 478160104   11,020 68 SH   OTR SEI 0 0 68
JOHNSON & JOHNSON COM Stock 478160104   11,506 71 SH   SOLE SEI 71 0 0
JOHNSON & JOHNSON COM Stock 478160104   47,484 293 SH   DFND 0 0 293 0
JOHNSON & JOHNSON COM Stock 478160104   231,299 1,427 SH   SOLE 0 1,427 0 0
WASTE MGMT INC DEL COM Stock 94106L109   1,661 8 SH   OTR SEI 0 0 8
WASTE MGMT INC DEL COM Stock 94106L109   276,144 1,330 SH   SOLE 0 1,330 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   2,660 3 SH   OTR SEI 0 0 3
COSTCO WHSL CORP NEW COM Stock 22160K105   299,973 338 SH   SOLE 0 338 0 0
SHELL PLC SPON ADS ADR 780259305   7,255 110 SH   OTR SEI 0 0 110
SHELL PLC SPON ADS ADR 780259305   124,053 1,881 SH   SOLE 0 1,881 0 0
SHELL PLC SPON ADS ADR 780259305   197,850 3,000 SH   DFND 0 0 3,000 0
PROCTER AND GAMBLE CO COM Stock 742718109   5,542 32 SH   OTR SEI 0 0 32
PROCTER AND GAMBLE CO COM Stock 742718109   521,905 3,013 SH   SOLE 0 3,013 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   4,772 35 SH   OTR SEI 0 0 35
UNITED PARCEL SERVICE INC CL B Stock 911312106   40,084 294 SH   DFND 0 0 294 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   262,670 1,927 SH   SOLE 0 1,926 0 0
COMERICA INC COM Stock 200340107   2,157 36 SH   SOLE 0 36 0 0
COMERICA INC COM Stock 200340107   285,677 4,768 SH   DFND 0 0 4,768 0
NETFLIX INC COM Stock 64110L106   4,256 6 SH   OTR SEI 0 0 6
NETFLIX INC COM Stock 64110L106   375,204 529 SH   SOLE 0 529 0 0
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   296,604 1,883 SH   SOLE 0 1,882 0 0
ISHARES INTL DIVIDEND GROWTH ETF ETF 46435G524   183,088 2,455 SH   DFND 0 0 2,454 0
ISHARES INTL DIVIDEND GROWTH ETF ETF 46435G524   3,800,083 50,946 SH   SOLE 0 50,946 0 0
MERCK & CO INC COM Stock 58933Y105   6,132 54 SH   OTR SEI 0 0 54
MERCK & CO INC COM Stock 58933Y105   49,731 438 SH   DFND 0 0 437 0
MERCK & CO INC COM Stock 58933Y105   276,755 2,437 SH   SOLE 0 2,437 0 0
SPDR S&P 500 ETF ETF 78462F103   1,950,633 3,400 SH   SOLE 0 3,399 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   988 2 SH   OTR SEI 0 0 2
MASTERCARD INCORPORATED CL A Stock 57636Q104   2,947,076 5,968 SH   SOLE 0 5,968 0 0
ISHARES TIPS BOND ETF ETF 464287176   85,606 775 SH   DFND 0 0 774 0
ISHARES TIPS BOND ETF ETF 464287176   232,847 2,108 SH   SOLE 0 2,107 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325   29,742 303 SH   SOLE 0 303 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325   257,812 2,626 SH   DFND 0 0 2,626 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   3,997 89 SH   OTR SEI 0 0 89
VERIZON COMMUNICATIONS INC COM Stock 92343V104   41,513 924 SH   SOLE 0 924 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   1,037,707 23,106 SH   DFND 0 0 23,106 0
INTERPUBLIC GROUP COS INC COM Stock 460690100   2,499 79 SH   SOLE 0 79 0 0
INTERPUBLIC GROUP COS INC COM Stock 460690100   335,133 10,595 SH   DFND 0 0 10,595 0
FORD MTR CO COM Stock 345370860   77,760 7,364 SH   SOLE 0 7,363 0 0
FORD MTR CO COM Stock 345370860   247,955 23,481 SH   DFND 0 0 23,480 0
US BANCORP DEL COM NEW Stock 902973304   3,521 77 SH   SOLE 0 77 0 0
US BANCORP DEL COM NEW Stock 902973304   5,396 118 SH   OTR SEI 0 0 118
US BANCORP DEL COM NEW Stock 902973304   460,301 10,066 SH   DFND 0 0 10,065 0
JANUS HENDERSON GROUP PLC ORD SHS Stock G4474Y214   3,388 89 SH   SOLE 0 89 0 0
JANUS HENDERSON GROUP PLC ORD SHS Stock G4474Y214   435,290 11,434 SH   DFND 0 0 11,433 0
HOME DEPOT INC COM Stock 437076102   4,052 10 SH   OTR SEI 0 0 10
HOME DEPOT INC COM Stock 437076102   209,738 518 SH   SOLE 0 517 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   962,142 6,247 SH   SOLE 0 6,246 0 0
FIRST TRUST DOW JONES GLOBAL SELECT DIVIDEND INDEX FUND ETF 33734X200   4,001,475 164,326 SH   SOLE 0 164,325 0 0
SPDR GOLD SHARES ETF ETF 78463V107   1,664,961 6,850 SH   DFND 0 0 6,850 0
SPDR GOLD SHARES ETF ETF 78463V107   2,240,041 9,216 SH   SOLE 0 9,216 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   16,892 328 SH   SOLE 0 328 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   463,552 9,001 SH   OTR SEI 0 0 9,001
KEYCORP COM Stock 493267108   16,700 997 SH   SOLE 0 997 0 0
KEYCORP COM Stock 493267108   348,326 20,796 SH   DFND 0 0 20,795 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100   4,059 174 SH   SOLE 0 174 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100   540,870 23,183 SH   DFND 0 0 23,183 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   26,801 395 SH   SOLE 0 395 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   1,092,928 16,108 SH   OTR SEI 0 0 16,108
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847   3,520,299 64,380 SH   SOLE 0 64,380 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   14,268 31 SH   OTR SEI 0 0 31
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   48,788 106 SH   DFND 0 0 106 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,492,308 5,415 SH   SOLE 0 5,415 0 0
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326   83,438 1,178 SH   SOLE 0 1,178 0 0
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF ETF 46435G326   143,218 2,022 SH   OTR SEI 0 0 2,022
WEYERHAEUSER CO MTN BE COM NEW REIT 962166104   542 16 SH   OTR SEI 0 0 16
WEYERHAEUSER CO MTN BE COM NEW REIT 962166104   1,524 45 SH   SOLE 0 45 0 0
WEYERHAEUSER CO MTN BE COM NEW REIT 962166104   207,764 6,136 SH   DFND 0 0 6,135 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   306,375 3,658 SH   SOLE 0 3,658 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   10,117 61 SH   OTR SEI 0 0 61
ALPHABET INC CAP STK CL A Stock 02079K305   2,234,092 13,471 SH   SOLE 0 13,470 0 0
MICROSOFT CORP COM Stock 594918104   39,157 91 SH   OTR SEI 0 0 91
MICROSOFT CORP COM Stock 594918104   48,227 112 SH   DFND 0 0 112 0
MICROSOFT CORP COM Stock 594918104   55,939 130 SH   SOLE SEI 130 0 0
MICROSOFT CORP COM Stock 594918104   3,775,820 8,775 SH   SOLE 0 8,774 0 0
FIRST HORIZON CORPORATION COM Stock 320517105   947 61 SH   OTR SEI 0 0 61
FIRST HORIZON CORPORATION COM Stock 320517105   3,261 210 SH   SOLE 0 210 0 0
FIRST HORIZON CORPORATION COM Stock 320517105   422,616 27,213 SH   DFND 0 0 27,212 0
CVS HEALTH CORP COM Stock 126650100   377 6 SH   OTR SEI 0 0 6
CVS HEALTH CORP COM Stock 126650100   200,464 3,188 SH   SOLE 0 3,188 0 0
ISHARES GLOBAL TIMBER & FORESTRY ETF ETF 464288174   45,670 530 SH   SOLE 0 529 0 0
ISHARES GLOBAL TIMBER & FORESTRY ETF ETF 464288174   2,226,313 25,836 SH   DFND 0 0 25,836 0
SPDR GOLD MINISHARES TRUST ETF 98149E303   43,216 829 SH   OTR SEI 0 0 829
SPDR GOLD MINISHARES TRUST ETF 98149E303   3,497,506 67,092 SH   SOLE 0 67,092 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   253,832 964 SH   SOLE 0 964 0 0
TESLA INC COM Stock 88160R101   2,616 10 SH   OTR SEI 0 0 10
TESLA INC COM Stock 88160R101   730,209 2,791 SH   SOLE 0 2,791 0 0
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648   304,539 6,174 SH   SOLE 0 6,173 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   9,030 32 SH   OTR SEI 0 0 32
VANGUARD HEALTH CARE ETF ETF 92204A504   260,006 921 SH   SOLE 0 921 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   4,215 93 SH   OTR SEI 0 0 93
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   9,608 212 SH   SOLE SEI 212 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   979,215 21,607 SH   SOLE 0 21,606 0 0
OGE ENERGY CORP COM Stock 670837103   3,077 75 SH   SOLE 0 75 0 0
OGE ENERGY CORP COM Stock 670837103   462,589 11,277 SH   DFND 0 0 11,277 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   43,151 881 SH   SOLE 0 881 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   187,300 3,824 SH   OTR SEI 0 0 3,824
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   559,280 954 SH   SOLE 0 953 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   119,108 1,482 SH   SOLE 0 1,482 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   129,637 1,613 SH   OTR SEI 0 0 1,613
SCHWAB US TIPS ETF ETF 808524870   38,985 727 SH   SOLE 0 726 0 0
SCHWAB US TIPS ETF ETF 808524870   304,672 5,681 SH   OTR SEI 0 0 5,681
SPDR S&P GLOBAL NATURAL RESOURCES ETF ETF 78463X541   2,284,161 39,607 SH   SOLE 0 39,607 0 0
KKR & CO INC COM Stock 48251W104   522 4 SH   OTR SEI 0 0 4
KKR & CO INC COM Stock 48251W104   245,336 1,879 SH   SOLE 0 1,878 0 0
LYONDELLBASELL INDUSTRIES N V SHS - A - Stock N53745100   2,014 21 SH   SOLE 0 21 0 0
LYONDELLBASELL INDUSTRIES N V SHS - A - Stock N53745100   276,684 2,885 SH   DFND 0 0 2,885 0
VANGUARD S&P 500 ETF ETF 922908363   1,040,615 1,972 SH   SOLE 0 1,972 0 0
ASTRAZENECA PLC SPONSORED ADR ADR 046353108   5,298 68 SH   OTR SEI 0 0 68
ASTRAZENECA PLC SPONSORED ADR ADR 046353108   211,775 2,718 SH   SOLE 0 2,718 0 0
UBER TECHNOLOGIES INC COM Stock 90353T100   776,779 10,335 SH   SOLE 0 10,335 0 0
WESTERN UN CO COM Stock 959802109   1,157 97 SH   OTR SEI 0 0 97
WESTERN UN CO COM Stock 959802109   2,052 172 SH   SOLE 0 172 0 0
WESTERN UN CO COM Stock 959802109   288,370 24,172 SH   DFND 0 0 24,171 0
HUNTINGTON BANCSHARES INC COM Stock 446150104   3,675 250 SH   SOLE 0 250 0 0
HUNTINGTON BANCSHARES INC COM Stock 446150104   486,469 33,093 SH   DFND 0 0 33,093 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   10,212 57 SH   SOLE 0 57 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   190,089 1,061 SH   OTR SEI 0 0 1,061
DICKS SPORTING GOODS INC COM Stock 253393102   251,394 1,205 SH   SOLE 0 1,204 0 0
ENTERGY CORP NEW COM Stock 29364G103   8,423 64 SH   SOLE 0 64 0 0
ENTERGY CORP NEW COM Stock 29364G103   1,124,142 8,541 SH   DFND 0 0 8,541 0
INVESCO AEROSPACE & DEFENSE ETF ETF 46137V100   235,923 2,052 SH   SOLE 0 2,052 0 0
SPDR BLOOMBERG 3-12 MONTH T-BILL ETF ETF 78468R523   969,413 9,735 SH   SOLE 0 9,735 0 0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   4,100,141 129,016 SH   SOLE 0 129,016 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   156,521 5,710 SH   DFND 0 0 5,710 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   405,573 14,797 SH   SOLE 0 14,796 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525   47,759 417 SH   SOLE 0 417 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525   183,133 1,599 SH   OTR SEI 0 0 1,599
VISA INC COM CL A Stock 92826C839   7,699 28 SH   OTR SEI 0 0 28
VISA INC COM CL A Stock 92826C839   786,401 2,860 SH   SOLE 0 2,860 0 0
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   1,164,140 43,100 SH   SOLE 0 43,100 0 0
ISHARES MSCI INDIA ETF ETF 46429B598   2,868 49 SH   OTR SEI 0 0 49
ISHARES MSCI INDIA ETF ETF 46429B598   259,707 4,437 SH   SOLE 0 4,437 0 0
VANGUARD VALUE ETF ETF 922908744   45,595 261 SH   SOLE 0 261 0 0
VANGUARD VALUE ETF ETF 922908744   220,133 1,261 SH   OTR SEI 0 0 1,261
VANGUARD GROWTH ETF ETF 922908736   274,126 714 SH   OTR SEI 0 0 714
VANGUARD GROWTH ETF ETF 922908736   290,088 756 SH   SOLE 0 755 0 0
FLEXSHARES IBOXX 3 YEAR TARGET DURATION TIPS INDEX FUND ETF 33939L506   223,159 9,279 SH   DFND 0 0 9,278 0
FLEXSHARES IBOXX 3 YEAR TARGET DURATION TIPS INDEX FUND ETF 33939L506   660,123 27,448 SH   SOLE 0 27,447 0 0
DIMENSIONAL INFLATION-PROTECTED SECURITIES ETF ETF 25434V856   13,741 325 SH   SOLE 0 325 0 0
DIMENSIONAL INFLATION-PROTECTED SECURITIES ETF ETF 25434V856   304,445 7,201 SH   DFND 0 0 7,200 0
META PLATFORMS INC CL A Stock 30303M102   14,311 25 SH   OTR SEI 0 0 25
META PLATFORMS INC CL A Stock 30303M102   55,018 96 SH   DFND 0 0 96 0
META PLATFORMS INC CL A Stock 30303M102   825,598 1,442 SH   SOLE 0 1,442 0 0
UNITED BANKSHARES INC WEST VA COM Stock 909907107   3,525 95 SH   SOLE 0 95 0 0
UNITED BANKSHARES INC WEST VA COM Stock 909907107   460,499 12,412 SH   DFND 0 0 12,412 0
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF ETF 81589A106   9,589 275 SH   SOLE 0 275 0 0
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF ETF 81589A106   256,504 7,356 SH   OTR SEI 0 0 7,356
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF ETF 81589A205   19,974 553 SH   SOLE 0 553 0 0
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF ETF 81589A205   541,583 14,994 SH   OTR SEI 0 0 14,994
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF ETF 81589A304   18,913 574 SH   SOLE 0 574 0 0
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF ETF 81589A304   525,025 15,934 SH   OTR SEI 0 0 15,934
DIAMONDBACK ENERGY INC COM Stock 25278X109   11,378 66 SH   SOLE 0 66 0 0
DIAMONDBACK ENERGY INC COM Stock 25278X109   389,463 2,259 SH   DFND 0 0 2,259 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   145,441 2,950 SH   SOLE 0 2,949 0 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   210,011 4,259 SH   OTR SEI 0 0 4,259
ISHARES CORE MSCI EAFE ETF ETF 46432F842   110,753 1,419 SH   OTR SEI 0 0 1,419
ISHARES CORE MSCI EAFE ETF ETF 46432F842   133,407 1,709 SH   SOLE 0 1,709 0 0
INVESCO S&P 500 HIGH DIVIDEND LOW VOLATILITY ETF ETF 46138E362   1,822,082 36,031 SH   SOLE 0 36,030 0 0
TOTALENERGIES SE SPONSORED ADS ADR 89151E109   4,911 76 SH   OTR SEI 0 0 76
TOTALENERGIES SE SPONSORED ADS ADR 89151E109   258,480 4,000 SH   DFND 0 0 4,000 0
SPDR PORTFOLIO HIGH YIELD BOND ETF ETF 78468R606   36,772 1,529 SH   SOLE 0 1,529 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF ETF 78468R606   259,860 10,805 SH   OTR SEI 0 0 10,805
NVIDIA CORPORATION COM Stock 67066G104   37,768 311 SH   OTR SEI 50 0 261
NVIDIA CORPORATION COM Stock 67066G104   46,027 379 SH   DFND 0 0 379 0
NVIDIA CORPORATION COM Stock 67066G104   1,138,906 9,378 SH   SOLE 0 9,378 0 0
ABBVIE INC COM Stock 00287Y109   1,382 7 SH   OTR SEI 0 0 7
ABBVIE INC COM Stock 00287Y109   336,566 1,704 SH   SOLE 0 1,704 0 0
INVESCO S&P GLOBAL WATER INDEX ETF ETF 46138E263   1,342,150 21,931 SH   SOLE 0 21,930 0 0
INVESCO S&P GLOBAL WATER INDEX ETF ETF 46138E263   1,512,302 24,711 SH   DFND 0 0 24,710 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   111,433 1,941 SH   OTR SEI 0 0 1,941
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   125,360 2,184 SH   SOLE 0 2,183 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   133,696 1,780 SH   OTR SEI 0 0 1,780
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   169,673 2,259 SH   SOLE 0 2,259 0 0
INVESCO S&P 500 QUALITY ETF ETF 46137V241   9,251,839 137,533 SH   SOLE 0 137,532 0 0
QUALCOMM INC COM Stock 747525103   2,551 15 SH   OTR SEI 0 0 15
QUALCOMM INC COM Stock 747525103   230,352 1,355 SH   SOLE 0 1,354 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   122,505 1,295 SH   DFND 0 0 1,295 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   140,681 1,487 SH   SOLE 0 1,487 0 0
CISCO SYS INC COM Stock 17275R102   798 15 SH   OTR SEI 0 0 15
CISCO SYS INC COM Stock 17275R102   234,387 4,404 SH   SOLE 0 4,404 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   70,442 1,401 SH   SOLE 0 1,401 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   320,736 6,379 SH   OTR SEI 0 0 6,379
ADVANCED MICRO DEVICES INC COM Stock 007903107   3,610 22 SH   OTR SEI 0 0 22
ADVANCED MICRO DEVICES INC COM Stock 007903107   36,590 223 SH   DFND 0 0 223 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   301,907 1,840 SH   SOLE 0 1,840 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   2,115,763 26,997 SH   SOLE 0 26,997 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   8,956 102 SH   OTR SEI 0 0 102
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   524,619 5,975 SH   DFND 0 0 5,975 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   651,925 7,425 SH   SOLE 0 7,425 0 0
WISDOMTREE EUROPE SMALLCAP DIVIDEND FUND ETF 97717W869   441,655 6,955 SH   SOLE 0 6,955 0 0
ISHARES SEMICONDUCTOR ETF ETF 464287523   126,332 548 SH   DFND 0 0 547 0
ISHARES SEMICONDUCTOR ETF ETF 464287523   644,311 2,794 SH   SOLE 0 2,794 0 0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467   4,474,644 41,913 SH   SOLE 0 41,913 0 0
SPDR BLOOMBERG 1-10 YEAR TIPS ETF ETF 78468R861   639,310 33,737 SH   SOLE 0 33,736 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   388,084 673 SH   SOLE 0 672 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   3,507 6 SH   OTR SEI 0 0 6
LOCKHEED MARTIN CORP COM Stock 539830109   255,225 437 SH   SOLE 0 436 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100   2,952 14 SH   OTR SEI 0 0 14
JPMORGAN CHASE & CO. COM Stock 46625H100   527,526 2,502 SH   SOLE 0 2,501 0 0
INTERNATIONAL PAPER CO COM Stock 460146103   3,273 67 SH   SOLE 0 67 0 0
INTERNATIONAL PAPER CO COM Stock 460146103   439,886 9,005 SH   DFND 0 0 9,004 0
CHEVRON CORP NEW COM Stock 166764100   5,596 38 SH   OTR SEI 0 0 38
CHEVRON CORP NEW COM Stock 166764100   200,593 1,362 SH   SOLE 0 1,362 0 0
CHEVRON CORP NEW COM Stock 166764100   521,494 3,541 SH   DFND 0 0 3,541 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   50,333 463 SH   SOLE 0 463 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   342,836 3,156 SH   OTR SEI 0 0 3,156
CONOCOPHILLIPS COM Stock 20825C104   1,895 18 SH   OTR SEI 0 0 18
CONOCOPHILLIPS COM Stock 20825C104   42,968 408 SH   SOLE 0 408 0 0
CONOCOPHILLIPS COM Stock 20825C104   242,842 2,307 SH   DFND 0 0 2,306 0
VANGUARD FTSE DEV MKTS ETF (VEA) ETF 921943858   289,136 5,475 SH   SOLE 0 5,475 0 0
VANGUARD FTSE DEV MKTS ETF (VEA) ETF 921943858   1,522,618 28,832 SH   OTR SEI 0 0 28,832
WALMART INC COM Stock 931142103   6,460 80 SH   OTR SEI 0 0 80
WALMART INC COM Stock 931142103   34,238 424 SH   DFND 0 0 424 0
WALMART INC COM Stock 931142103   276,491 3,424 SH   SOLE 0 3,424 0 0
GLOBALSTAR INC COM Stock 378973408   18,600 15,000 SH   SOLE 0 15,000 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   3,537 16 SH   OTR SEI 0 0 16
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   62,445 282 SH   DFND 0 0 282 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   699,993 3,166 SH   SOLE 0 3,166 0 0
ORACLE CORP COM Stock 68389X105   1,363 8 SH   OTR SEI 0 0 8
ORACLE CORP COM Stock 68389X105   321,134 1,885 SH   SOLE 0 1,884 0 0
VANGUARD FTSE EMRG MKTS ETF (VWO) ETF 922042858   165,724 3,463 SH   SOLE 0 3,463 0 0
VANGUARD FTSE EMRG MKTS ETF (VWO) ETF 922042858   631,142 13,190 SH   OTR SEI 0 0 13,190
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   945,556 7,376 SH   SOLE 0 7,375 0 0
PFIZER INC COM Stock 717081103   13,747 475 SH   OTR SEI 475 0 0
PFIZER INC COM Stock 717081103   168,076 5,808 SH   SOLE 0 5,807 0 0
PFIZER INC COM Stock 717081103   608,088 21,012 SH   DFND 0 0 21,012 0
GILEAD SCIENCES INC COM Stock 375558103   2,012 24 SH   OTR SEI 0 0 24
GILEAD SCIENCES INC COM Stock 375558103   5,030 60 SH   SOLE 0 60 0 0
GILEAD SCIENCES INC COM Stock 375558103   680,866 8,121 SH   DFND 0 0 8,121 0
CATERPILLAR INC COM Stock 149123101   782 2 SH   OTR SEI 0 0 2
CATERPILLAR INC COM Stock 149123101   419,971 1,074 SH   SOLE 0 1,073 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   3,177 19 SH   OTR SEI 0 0 19
ALPHABET INC CAP STK CL C Stock 02079K107   575,883 3,444 SH   SOLE 0 3,444 0 0
BEST BUY INC COM Stock 086516101   1,756 17 SH   OTR SEI 0 0 17
BEST BUY INC COM Stock 086516101   25,205 244 SH   SOLE 0 244 0 0
BEST BUY INC COM Stock 086516101   543,731 5,264 SH   DFND 0 0 5,263 0
ZIONS BANCORPORATION N A COM Stock 989701107   458,386 9,707 SH   DFND 0 0 9,707 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   339,421 1,714 SH   SOLE 0 1,713 0 0
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   3,848 62 SH   SOLE 0 62 0 0
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   488,379 7,869 SH   DFND 0 0 7,869 0
CITIZENS FINL GROUP INC COM Stock 174610105   6,078 148 SH   SOLE 0 148 0 0
CITIZENS FINL GROUP INC COM Stock 174610105   389,845 9,492 SH   DFND 0 0 9,492 0
FIRST AMERN FINL CORP COM Stock 31847R102   660 10 SH   OTR SEI 0 0 10
FIRST AMERN FINL CORP COM Stock 31847R102   3,565 54 SH   SOLE 0 54 0 0
FIRST AMERN FINL CORP COM Stock 31847R102   483,151 7,319 SH   DFND 0 0 7,319 0
VANGUARD ST BOND ETF (BSV) ETF 921937827   112,604 1,431 SH   SOLE 0 1,430 0 0
VANGUARD ST BOND ETF (BSV) ETF 921937827   154,862 1,968 SH   OTR SEI 0 0 1,968
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   412,533 7,804 SH   SOLE 0 7,804 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   57,044 309 SH   SOLE 0 308 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   498,278 2,696 SH   DFND 0 0 2,695 0
ISHARES GLOBAL ENERGY ETF ETF 464287341   620,881 15,338 SH   SOLE 0 15,337 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   14,032 24 SH   OTR SEI 0 0 24
UNITEDHEALTH GROUP INC COM Stock 91324P102   500,266 856 SH   SOLE 0 855 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   126,409 1,565 SH   DFND 0 0 1,564 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   696,394 8,621 SH   SOLE 0 8,620 0 0
PAYPAL HLDGS INC COM Stock 70450Y103   245,014 3,140 SH   SOLE 0 3,140 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   9,691 156 SH   DFND 0 0 155 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   6,542,372 104,980 SH   SOLE 0 104,980 0 0
ISHARES GLOBAL CLEAN ENERGY ETF ETF 464288224   367,602 25,024 SH   DFND 0 0 25,023 0
ISHARES GLOBAL CLEAN ENERGY ETF ETF 464288224   391,108 26,624 SH   SOLE 0 26,624 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   72,659 1,421 SH   SOLE 0 1,421 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   223,446 4,371 SH   OTR SEI 0 0 4,371
APPLE INC COM Stock 037833100   27,727 119 SH   OTR SEI 0 0 119
APPLE INC COM Stock 037833100   51,809 222 SH   DFND 0 0 222 0
APPLE INC COM Stock 037833100   5,945,914 25,519 SH   SOLE 0 25,518 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   264,718 2,883 SH   SOLE 0 2,883 0 0