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   101,573 898 SH   SOLE   0 0 898
ABBOTT LABS COM 002824100   109,038 964 SH   OTR   0 0 964
ABBVIE INC COM 00287Y109   163,599 921 SH   SOLE   0 0 921
ABBVIE INC COM 00287Y109   252,689 1,422 SH   OTR   0 0 1,422
ALPHABET INC CAP STK CL A 02079K305   52,058 275 SH   OTR   0 0 275
ALPHABET INC CAP STK CL C 02079K107   24,567 129 SH   OTR   0 0 129
ALPHABET INC CAP STK CL A 02079K305   1,097,940 5,800 SH   SOLE   0 0 5,800
ALPHABET INC CAP STK CL C 02079K107   377,071 1,980 SH   SOLE   0 0 1,980
ALTRIA GROUP INC COM 02209S103   80,474 1,539 SH   SOLE   0 0 1,539
ALTRIA GROUP INC COM 02209S103   128,947 2,466 SH   OTR   0 0 2,466
AMAZON COM INC COM 023135106   68,888 314 SH   OTR   0 0 314
AMAZON COM INC COM 023135106   1,600,231 7,294 SH   SOLE   0 0 7,294
AMERICAN ELEC PWR CO INC COM 025537101   213,051 2,310 SH   SOLE   0 0 2,310
AMERICAN ELEC PWR CO INC COM 025537101   98,225 1,065 SH   OTR   0 0 1,065
APPLE INC COM 037833100   9,639,926 38,495 SH   SOLE   0 0 38,495
AT&T INC COM 00206R102   488,149 21,438 SH   SOLE   0 0 21,438
AT&T INC COM 00206R102   177,310 7,787 SH   OTR   0 0 7,787
AUTOMATIC DATA PROCESSING IN COM 053015103   307,952 1,052 SH   SOLE   0 0 1,052
AUTOMATIC DATA PROCESSING IN COM 053015103   119,727 409 SH   OTR   0 0 409
AUTOZONE INC COM 053332102   320,200 100 SH   SOLE   0 0 100
BANK AMERICA CORP COM 060505104   111,614 2,540 SH   SOLE   0 0 2,540
BANK AMERICA CORP COM 060505104   191,797 4,364 SH   OTR   0 0 4,364
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   455,093 1,004 SH   SOLE   0 0 1,004
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   1,497,833 29,226 SH   OTR   0 0 29,226
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   532,744 10,395 SH   SOLE   0 0 10,395
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   255,886 4,919 SH   OTR   0 0 4,919
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   132,963 2,556 SH   SOLE   0 0 2,556
BLACKROCK INC COM 09290D101   313,684 306 SH   SOLE   0 0 306
BLACKROCK INC COM 09290D101   358,789 350 SH   OTR   0 0 350
BLACKSTONE INC COM 09260D107   332,081 1,926 SH   SOLE   0 0 1,926
BRISTOL-MYERS SQUIBB CO COM 110122108   1,051,139 18,584 SH   SOLE   0 0 18,584
BROADCOM INC COM 11135F101   46,368 200 SH   SOLE   0 0 200
BROADCOM INC COM 11135F101   191,036 824 SH   OTR   0 0 824
CATERPILLAR INC COM 149123101   492,628 1,358 SH   SOLE   0 0 1,358
CATERPILLAR INC COM 149123101   278,962 769 SH   OTR   0 0 769
CHEVRON CORP NEW COM 166764100   8,401 58 SH   OTR   0 0 58
CHEVRON CORP NEW COM 166764100   445,295 3,074 SH   SOLE   0 0 3,074
CIPHER MINING INC COM 17253J106   53,685 11,570 SH   SOLE   0 0 11,570
CISCO SYS INC COM 17275R102   318,496 5,380 SH   SOLE   0 0 5,380
CISCO SYS INC COM 17275R102   319,384 5,395 SH   OTR   0 0 5,395
COCA COLA CO COM 191216100   1,158,072 18,601 SH   SOLE   0 0 18,601
COCA COLA CO COM 191216100   197,800 3,177 SH   OTR   0 0 3,177
CONOCOPHILLIPS COM 20825C104   31,734 320 SH   SOLE   0 0 320
CONOCOPHILLIPS COM 20825C104   251,099 2,532 SH   OTR   0 0 2,532
ELI LILLY & CO COM 532457108   28,564 37 SH   OTR   0 0 37
ELI LILLY & CO COM 532457108   388,316 503 SH   SOLE   0 0 503
EXXON MOBIL CORP COM 30231G102   3,388,133 31,497 SH   SOLE   0 0 31,497
EXXON MOBIL CORP COM 30231G102   366,599 3,408 SH   OTR   0 0 3,408
FEDEX CORP COM 31428X106   9,565 34 SH   OTR   0 0 34
FEDEX CORP COM 31428X106   218,487 777 SH   SOLE   0 0 777
GALLAGHER ARTHUR J & CO COM 363576109   435,994 1,536 SH   OTR   0 0 1,536
GE AEROSPACE COM NEW 369604301   7,005 42 SH   OTR   0 0 42
GE AEROSPACE COM NEW 369604301   254,371 1,525 SH   SOLE   0 0 1,525
GOLDMAN SACHS GROUP INC COM 38141G104   7,444 13 SH   OTR   0 0 13
GOLDMAN SACHS GROUP INC COM 38141G104   357,038 624 SH   SOLE   0 0 624
HOME DEPOT INC COM 437076102   450,842 1,159 SH   SOLE   0 0 1,159
HOME DEPOT INC COM 437076102   364,484 937 SH   OTR   0 0 937
ILLINOIS TOOL WKS INC COM 452308109   368,169 1,452 SH   SOLE   0 0 1,452
INTERNATIONAL BUSINESS MACHS COM 459200101   256,322 1,166 SH   SOLE   0 0 1,166
INTERNATIONAL BUSINESS MACHS COM 459200101   176,963 805 SH   OTR   0 0 805
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   217,505 4,100 SH   SOLE   0 0 4,100
ISHARES GOLD TR ISHARES NEW 464285204   161,254 3,257 SH   OTR   0 0 3,257
ISHARES GOLD TR ISHARES NEW 464285204   67,037 1,354 SH   SOLE   0 0 1,354
ISHARES INC ESG AWR MSCI EM 46434G863   205,515 6,155 SH   OTR   0 0 6,155
ISHARES INC MSCI EMRG CHN 46434G764   830,364 14,975 SH   OTR   0 0 14,975
ISHARES INC CORE MSCI EMKT 46434G103   302,249 5,788 SH   OTR   0 0 5,788
ISHARES INC ESG AWR MSCI EM 46434G863   968 29 SH   SOLE   0 0 29
ISHARES INC MSCI EMRG CHN 46434G764   196,681 3,547 SH   SOLE   0 0 3,547
ISHARES INC CORE MSCI EMKT 46434G103   135,511 2,595 SH   SOLE   0 0 2,595
ISHARES TR RUS 2000 VAL ETF 464287630   12,149 74 SH   OTR   0 0 74
ISHARES TR CORE TOTAL USD 46434V613   1,461,452 32,333 SH   OTR   0 0 32,333
ISHARES TR CORE S&P MCP ETF 464287507   201,884 3,240 SH   OTR   0 0 3,240
ISHARES TR EUROPE ETF 464287861   227,606 4,372 SH   OTR   0 0 4,372
ISHARES TR MSCI USA MIN VOL 46429B697   710,409 8,001 SH   OTR   0 0 8,001
ISHARES TR MSCI USA QLT FCT 46432F339   1,788,992 10,046 SH   OTR   0 0 10,046
ISHARES TR US INFRASTRUC 46435U713   226,543 4,894 SH   OTR   0 0 4,894
ISHARES TR EAFE GRWTH ETF 464288885   3,370,071 34,804 SH   OTR   0 0 34,804
ISHARES TR 10-20 YR TRS ETF 464288653   234,616 2,357 SH   OTR   0 0 2,357
ISHARES TR CORE MSCI EAFE 46432F842   40,130 571 SH   OTR   0 0 571
ISHARES TR CORE S&P TTL STK 464287150   499,046 3,880 SH   OTR   0 0 3,880
ISHARES TR CORE S&P500 ETF 464287200   6,952,311 11,810 SH   OTR   0 0 11,810
ISHARES TR CORE US AGGBD ET 464287226   17,345 179 SH   OTR   0 0 179
ISHARES TR MSCI USA VALUE 46432F388   264,975 2,509 SH   OTR   0 0 2,509
ISHARES TR EAFE VALUE ETF 464288877   2,572,709 49,032 SH   OTR   0 0 49,032
ISHARES TR ESG MSCI LEADR 46435U218   7,239,900 70,263 SH   OTR   0 0 70,263
ISHARES TR U.S. TECH ETF 464287721   2,251,465 14,114 SH   OTR   0 0 14,114
ISHARES TR MBS ETF 464288588   450,424 4,913 SH   OTR   0 0 4,913
ISHARES TR CORE S&P SCP ETF 464287804   213,848 1,856 SH   OTR   0 0 1,856
ISHARES TR S&P 100 ETF 464287101   6,489,593 22,467 SH   OTR   0 0 22,467
ISHARES TR RUSSELL 3000 ETF 464287689   192,862 577 SH   OTR   0 0 577
ISHARES TR S&P 500 VAL ETF 464287408   2,857,945 14,972 SH   OTR   0 0 14,972
ISHARES TR S&P 500 GRWT ETF 464287309   6,808,608 67,060 SH   OTR   0 0 67,060
ISHARES TR 20 YR TR BD ETF 464287432   392,199 4,491 SH   OTR   0 0 4,491
ISHARES TR NATIONAL MUN ETF 464288414   836,204 7,848 SH   OTR   0 0 7,848
ISHARES TR MSCI INTL VLU FT 46435G409   1,047,964 38,656 SH   OTR   0 0 38,656
ISHARES TR MSCI EMG MKT ETF 464287234   477,333 11,414 SH   OTR   0 0 11,414
ISHARES TR ESG AWR MSCI USA 46435G425   1,258,829 9,772 SH   OTR   0 0 9,772
ISHARES TR MSCI USA MMENTM 46432F396   462,052 2,233 SH   OTR   0 0 2,233
ISHARES TR S&P 500 GRWT ETF 464287309   5,805,751 57,183 SH   SOLE   0 0 57,183
ISHARES TR EAFE GRWTH ETF 464288885   454,326 4,692 SH   SOLE   0 0 4,692
ISHARES TR RUS 1000 GRW ETF 464287614   4,208,179 10,479 SH   SOLE   0 0 10,479
ISHARES TR ESG AWR MSCI USA 46435G425   28,340 220 SH   SOLE   0 0 220
ISHARES TR EAFE VALUE ETF 464288877   419,130 7,988 SH   SOLE   0 0 7,988
ISHARES TR 20 YR TR BD ETF 464287432   144,007 1,649 SH   SOLE   0 0 1,649
ISHARES TR CORE S&P MCP ETF 464287507   167,676 2,691 SH   SOLE   0 0 2,691
ISHARES TR CORE DIV GRWTH 46434V621   594,814 9,697 SH   SOLE   0 0 9,697
ISHARES TR MSCI USA MMENTM 46432F396   126,842 613 SH   SOLE   0 0 613
ISHARES TR CORE S&P SCP ETF 464287804   429,540 3,728 SH   SOLE   0 0 3,728
ISHARES TR RUSSELL 2000 ETF 464287655   294,982 1,335 SH   SOLE   0 0 1,335
ISHARES TR MSCI USA MIN VOL 46429B697   3,196 36 SH   SOLE   0 0 36
ISHARES TR CORE S&P500 ETF 464287200   679,337 1,154 SH   SOLE   0 0 1,154
ISHARES TR S&P 500 VAL ETF 464287408   1,804,694 9,455 SH   SOLE   0 0 9,455
ISHARES TR MBS ETF 464288588   66,560 726 SH   SOLE   0 0 726
ISHARES TR US INFRASTRUC 46435U713   100,542 2,172 SH   SOLE   0 0 2,172
ISHARES TR CORE MSCI EAFE 46432F842   1,255,974 17,871 SH   SOLE   0 0 17,871
ISHARES TR U.S. TECH ETF 464287721   297,721 1,866 SH   SOLE   0 0 1,866
ISHARES TR S&P 100 ETF 464287101   440,207 1,524 SH   SOLE   0 0 1,524
ISHARES TR MSCI INTL VLU FT 46435G409   11,576 427 SH   SOLE   0 0 427
ISHARES TR RUS 1000 VAL ETF 464287598   2,056,794 11,110 SH   SOLE   0 0 11,110
ISHARES TR MSCI USA VALUE 46432F388   4,526 43 SH   SOLE   0 0 43
ISHARES TR 10-20 YR TRS ETF 464288653   9,357 94 SH   SOLE   0 0 94
ISHARES TR MSCI EMG MKT ETF 464287234   544 13 SH   SOLE   0 0 13
ISHARES TR SELECT DIVID ETF 464287168   814,917 6,207 SH   SOLE   0 0 6,207
ISHARES TR RUSSELL 3000 ETF 464287689   648,726 1,941 SH   SOLE   0 0 1,941
ISHARES TR RUS 2000 VAL ETF 464287630   307,983 1,876 SH   SOLE   0 0 1,876
ISHARES TR NATIONAL MUN ETF 464288414   40,809 383 SH   SOLE   0 0 383
ISHARES TR MSCI USA QLT FCT 46432F339   539,048 3,027 SH   SOLE   0 0 3,027
ISHARES TR CORE US AGGBD ET 464287226   334,305 3,450 SH   SOLE   0 0 3,450
ISHARES TR CORE TOTAL USD 46434V613   562,243 12,439 SH   SOLE   0 0 12,439
ISHARES TR RUS 1000 GRW ETF 464287614   614,819 1,531 SH   OTR   0 0 1,531
ISHARES TR RUS 1000 VAL ETF 464287598   881,219 4,760 SH   OTR   0 0 4,760
ISHARES TR CORE S&P TTL STK 464287150   255,439 1,986 SH   SOLE   0 0 1,986
JOHNSON & JOHNSON COM 478160104   1,050,209 7,262 SH   SOLE   0 0 7,262
JOHNSON & JOHNSON COM 478160104   204,203 1,412 SH   OTR   0 0 1,412
JPMORGAN CHASE & CO. COM 46625H100   1,448,917 6,044 SH   SOLE   0 0 6,044
JPMORGAN CHASE & CO. COM 46625H100   624,684 2,606 SH   OTR   0 0 2,606
KIMBERLY-CLARK CORP COM 494368103   5,111 39 SH   OTR   0 0 39
KIMBERLY-CLARK CORP COM 494368103   432,545 3,301 SH   SOLE   0 0 3,301
KINDER MORGAN INC DEL COM 49456B101   223,146 8,144 SH   OTR   0 0 8,144
KROGER CO COM 501044101   1,626,916 26,605 SH   SOLE   0 0 26,605
LOCKHEED MARTIN CORP COM 539830109   1,542,374 3,174 SH   SOLE   0 0 3,174
LOCKHEED MARTIN CORP COM 539830109   148,212 305 SH   OTR   0 0 305
MCDONALDS CORP COM 580135101   764,224 2,636 SH   SOLE   0 0 2,636
MCDONALDS CORP COM 580135101   211,330 729 SH   OTR   0 0 729
MERCK & CO INC COM 58933Y105   7,322,038 73,603 SH   SOLE   0 0 73,603
MERCK & CO INC COM 58933Y105   223,830 2,250 SH   OTR   0 0 2,250
META PLATFORMS INC CL A 30303M102   11,710 20 SH   OTR   0 0 20
META PLATFORMS INC CL A 30303M102   900,521 1,538 SH   SOLE   0 0 1,538
METLIFE INC COM 59156R108   297,142 3,629 SH   OTR   0 0 3,629
MICROSOFT CORP COM 594918104   6,038,979 14,327 SH   SOLE   0 0 14,327
MICROSOFT CORP COM 594918104   555,116 1,317 SH   OTR   0 0 1,317
MID-AMER APT CMNTYS INC COM 59522J103   19,167 124 SH   OTR   0 0 124
MID-AMER APT CMNTYS INC COM 59522J103   550,329 3,560 SH   SOLE   0 0 3,560
MORGAN STANLEY COM NEW 617446448   5,406 43 SH   OTR   0 0 43
MORGAN STANLEY COM NEW 617446448   1,171,744 9,320 SH   SOLE   0 0 9,320
NEXTERA ENERGY INC COM 65339F101   747,870 10,432 SH   SOLE   0 0 10,432
NORFOLK SOUTHN CORP COM 655844108   336,459 1,434 SH   SOLE   0 0 1,434
NORFOLK SOUTHN CORP COM 655844108   156,545 667 SH   OTR   0 0 667
NVIDIA CORPORATION COM 67066G104   79,768 594 SH   OTR   0 0 594
NVIDIA CORPORATION COM 67066G104   2,052,049 15,281 SH   SOLE   0 0 15,281
ORACLE CORP COM 68389X105   214,466 1,287 SH   SOLE   0 0 1,287
ORACLE CORP COM 68389X105   148,643 892 SH   OTR   0 0 892
PARKER-HANNIFIN CORP COM 701094104   373,350 587 SH   OTR   0 0 587
PAYPAL HLDGS INC COM 70450Y103   254,770 2,985 SH   SOLE   0 0 2,985
PHILIP MORRIS INTL INC COM 718172109   223,490 1,857 SH   SOLE   0 0 1,857
PHILIP MORRIS INTL INC COM 718172109   279,452 2,322 SH   OTR   0 0 2,322
PROCTER AND GAMBLE CO COM 742718109   614,794 3,667 SH   SOLE   0 0 3,667
PROCTER AND GAMBLE CO COM 742718109   412,419 2,460 SH   OTR   0 0 2,460
PRUDENTIAL FINL INC COM 744320102   21,335 180 SH   SOLE   0 0 180
PRUDENTIAL FINL INC COM 744320102   277,716 2,343 SH   OTR   0 0 2,343
QUALCOMM INC COM 747525103   80,343 523 SH   SOLE   0 0 523
QUALCOMM INC COM 747525103   213,071 1,387 SH   OTR   0 0 1,387
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,199,672 52,849 SH   OTR   0 0 52,849
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   78,927 2,889 SH   OTR   0 0 2,889
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   758,609 27,768 SH   SOLE   0 0 27,768
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   27,285 1,202 SH   SOLE   0 0 1,202
SHELL PLC SPON ADS 780259305   611,715 9,764 SH   SOLE   0 0 9,764
SOUTHERN CO COM 842587107   421,128 5,116 SH   SOLE   0 0 5,116
SOUTHERN CO COM 842587107   234,777 2,852 SH   OTR   0 0 2,852
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   393,588 925 SH   SOLE   0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103   75,604 129 SH   OTR   0 0 129
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,411,459 5,821 SH   SOLE   0 0 5,821
TESLA INC COM 88160R101   466,031 1,154 SH   SOLE   0 0 1,154
TEXAS INSTRS INC COM 882508104   221,262 1,180 SH   SOLE   0 0 1,180
VALLEY NATL BANCORP COM 919794107   120,851 13,339 SH   SOLE   0 0 13,339
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   213,908 397 SH   OTR   0 0 397
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   426,360 791 SH   SOLE   0 0 791
VANGUARD INDEX FDS GROWTH ETF 922908736   444,517 1,083 SH   SOLE   0 0 1,083
VANGUARD INDEX FDS GROWTH ETF 922908736   473,648 1,154 SH   OTR   0 0 1,154
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,378,725 27,503 SH   OTR   0 0 27,503
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   584,350 7,192 SH   OTR   0 0 7,192
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   809,757 4,135 SH   OTR   0 0 4,135
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,025,559 20,556 SH   SOLE   0 0 20,556
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   39,308 822 SH   OTR   0 0 822
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   505,212 10,565 SH   SOLE   0 0 10,565
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   94,672 742 SH   OTR   0 0 742
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,191,185 9,336 SH   SOLE   0 0 9,336
VANGUARD WORLD FD INF TECH ETF 92204A702   512,363 824 SH   OTR   0 0 824
VANGUARD WORLD FD INF TECH ETF 92204A702   1,676,328 2,696 SH   SOLE   0 0 2,696
VERIZON COMMUNICATIONS INC COM 92343V104   376,627 9,418 SH   SOLE   0 0 9,418
VERIZON COMMUNICATIONS INC COM 92343V104   208,908 5,224 SH   OTR   0 0 5,224
WALMART INC COM 931142103   863,039 9,552 SH   SOLE   0 0 9,552
WALMART INC COM 931142103   334,656 3,704 SH   OTR   0 0 3,704