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 BBG001S5N9M6 133,944 1,220 SH   SOLE   1,220 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 739,549 6,736 SH   OTR   6,736 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 146,742 908 SH   SOLE   908 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 998,833 6,181 SH   OTR   6,181 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 397,677 8,700 SH   OTR   8,700 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 91,420 2,000 SH   SOLE   2,000 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 993,830 3,784 SH   OTR   3,784 0 0
APPLE INC COM 037833100 BBG001S5N8V8 3,041,012 23,405 SH   OTR   23,405 0 0
APPLE INC COM 037833100 BBG001S5N8V8 54,571 420 SH   SOLE   420 0 0
ARK ETF TR INNOVATION ETF 00214Q104 BBG007FJMV49 263,041 8,420 SH   OTR   8,420 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 1,098,756 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 762,056 2,467 SH   SOLE   2,467 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,281,935 4,150 SH   OTR   4,150 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,133,808 1,600 SH   OTR   1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 2,137,419 29,707 SH   OTR   29,707 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 247,500 6,000 SH   OTR   6,000 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 665,728 3,709 SH   OTR   3,709 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 684,492 14,368 SH   OTR   14,368 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,406 30 SH   SOLE   30 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 108,137 1,700 SH   SOLE   1,700 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 714,277 11,229 SH   OTR   11,229 0 0
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 401,829 5,100 SH   OTR   5,100 0 0
DATADOG INC CL A COM 23804L103 BBG003NJHZW5 1,153,362 15,692 SH   SOLE   15,692 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 343,266 3,333 SH   OTR   3,333 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 589,350 6,135 SH   OTR   6,135 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,786,930 34,333 SH   OTR   34,333 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 132,360 1,200 SH   SOLE   1,200 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 BBG0034YTRP6 960,840 36,000 SH   OTR   36,000 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 234,780 2,800 SH   OTR   2,800 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 331,653 1,050 SH   OTR   1,050 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 70,445 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 422,670 3,000 SH   OTR   3,000 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 BBG0026ZFZD3 264,600 5,000 SH   OTR   5,000 0 0
INTUIT COM 461202103 BBG001S6TWR2 262,334 674 SH   OTR   674 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 995,179 15,574 SH   OTR   15,574 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 3,802,988 26,920 SH   OTR   26,920 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 659,171 14,115 SH   OTR   14,115 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 BBG001SMLZ34 583,294 27,475 SH   OTR   27,475 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,668,595 27,070 SH   OTR   27,070 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,072,516 18,530 SH   SOLE   18,530 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 4,218,237 72,879 SH   OTR   72,879 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,715,082 31,895 SH   OTR   31,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 47,064,428 497,300 SH   OTR   497,300 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 5,481,144 57,915 SH   SOLE   57,915 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 546,726 9,680 SH   OTR   9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 2,556,046 30,114 SH   OTR   30,114 0 0
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 774,001 17,011 SH   SOLE   17,011 0 0
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 4,377,668 96,212 SH   OTR   96,212 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 236,304 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 5,475,032 83,410 SH   OTR   83,410 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 692,433 18,270 SH   OTR   18,270 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 9,341,524 44,374 SH   SOLE   44,374 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 20,259,330 96,235 SH   OTR   96,235 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,234,167 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 972,650 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 2,884,080 19,018 SH   OTR   19,018 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 2,445,008 11,398 SH   OTR   11,398 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 2,178,506 15,710 SH   OTR   15,710 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 3,966,887 22,751 SH   OTR   22,751 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,290,831 7,403 SH   SOLE   7,403 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 317,932 1,441 SH   SOLE   1,441 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 4,817,738 21,831 SH   OTR   21,831 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,959,750 33,500 SH   OTR   33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 973,691 10,664 SH   OTR   10,664 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 1,127,426 12,347 SH   SOLE   12,347 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 417,954 2,366 SH   OTR   2,366 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 17,433 130 SH   SOLE   130 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,535,831 18,910 SH   OTR   18,910 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 81,450 600 SH   SOLE   600 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 543,000 4,000 SH   OTR   4,000 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 251,332 687 SH   OTR   687 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 2,309,192 11,590 SH   OTR   11,590 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 487,531 1,850 SH   OTR   1,850 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 355,040 3,200 SH   SOLE   3,200 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,174,739 10,588 SH   OTR   10,588 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 479,640 2,000 SH   OTR   2,000 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 1,371,040 16,400 SH   OTR   16,400 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 1,592,506 13,610 SH   OTR   13,610 0 0
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 234,930 3,000 SH   OTR   3,000 0 0
PEPSICO INC COM 713448108 BBG001S695T1 876,201 4,850 SH   OTR   4,850 0 0
PFIZER INC COM 717081103 BBG001S5V466 211,160 4,121 SH   OTR   4,121 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,675,026 16,550 SH   OTR   16,550 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 837,672 5,527 SH   OTR   5,527 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 3,060,248 23,593 SH   OTR   23,593 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 201,436 1,996 SH   SOLE   1,996 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 605,520 6,000 SH   OTR   6,000 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,265,926 180,225 SH   OTR   180,225 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 2,373,625 75,425 SH   OTR   75,425 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 101,145 3,214 SH   SOLE   3,214 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 297,126 9,505 SH   OTR   9,505 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 313,869 4,155 SH   OTR   4,155 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,398,793 30,981 SH   SOLE   30,981 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 9,170,010 203,101 SH   OTR   203,101 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 738,309 11,253 SH   SOLE   11,253 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 544,169 8,294 SH   OTR   8,294 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 917,794 22,656 SH   SOLE   22,656 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,024,315 74,656 SH   OTR   74,656 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 249,935 3,500 SH   OTR   3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 47,019,520 122,949 SH   OTR   122,949 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 9,502,026 24,846 SH   SOLE   24,846 0 0
TARGET CORP COM 87612E106 BBG001SC0K41 596,160 4,000 SH   OTR   4,000 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 308,741 1,491 SH   OTR   1,491 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 2,188,923 10,271 SH   SOLE   10,271 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 5,055,182 23,721 SH   OTR   23,721 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 7,662,319 43,986 SH   OTR   43,986 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 1,755,318 10,076 SH   SOLE   10,076 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 558,817 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 87,723 488 SH   OTR   488 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 714,240 5,281 SH   SOLE   5,281 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 101,836 753 SH   OTR   753 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 4,547,392 22,312 SH   OTR   22,312 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 3,551,011 43,053 SH   OTR   43,053 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 641,547 1,826 SH   SOLE   1,826 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 8,625,382 24,550 SH   OTR   24,550 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 687,797 4,331 SH   SOLE   4,331 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 96,074 605 SH   OTR   605 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,874,262 10,212 SH   SOLE   10,212 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 4,036,764 21,994 SH   OTR   21,994 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 641,707 3,200 SH   SOLE   3,200 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 82,221 410 SH   OTR   410 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 435,148 2,276 SH   SOLE   2,276 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 32,484,541 169,907 SH   OTR   169,907 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,468,997 24,713 SH   SOLE   24,713 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 6,814,964 48,550 SH   OTR   48,550 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 9,087,645 181,245 SH   SOLE   181,245 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 27,728,521 553,022 SH   OTR   553,022 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 4,398,588 112,842 SH   OTR   112,842 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,400,038 61,571 SH   SOLE   61,571 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,527,552 24,585 SH   OTR   24,585 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 650,376 6,326 SH   SOLE   6,326 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 112,817 1,309 SH   OTR   1,309 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 8,301,276 96,314 SH   SOLE   96,314 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 2,700,519 38,376 SH   OTR   38,376 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 877,584 12,471 SH   SOLE   12,471 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 2,918,557 19,220 SH   OTR   19,220 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 25,936,310 501,475 SH   OTR   501,475 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 9,322,220 180,244 SH   SOLE   180,244 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,281,107 78,177 SH   SOLE   78,177 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,265,126 292,236 SH   OTR   292,236 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 43,261 1,098 SH   SOLE   1,098 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 202,437 5,138 SH   OTR   5,138 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 760,402 3,660 SH   OTR   3,660 0 0
WALMART INC COM 931142103 BBG001S5XH92 708,950 5,000 SH   OTR   5,000 0 0
WISDOMTREE TR EUROPE SMCP DV 97717W869 BBG001SHL425 217,221 3,970 SH   OTR   3,970 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 292,404 4,720 SH   OTR   4,720 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 BBG001S7DQJ9 1,014,096 7,954 SH   OTR   7,954 0 0