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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 242 1,382 SH   OTR   1,382 0 0
ABBOTT LABS COM 002824100 817 6,918 SH   OTR   6,918 0 0
ABBOTT LABS COM 002824100 6,065 51,345 SH   SOLE   51,345 0 0
ABBVIE INC COM 00287Y109 674 6,245 SH   OTR   6,245 0 0
ABBVIE INC COM 00287Y109 108 1,000 SH   SOLE   1,000 0 0
AIRBNB INC COM CL A 009066101 320 1,910 SH   SOLE   1,910 0 0
ALTRIA GROUP INC COM 02209S103 91 2,000 SH   SOLE   2,000 0 0
ALTRIA GROUP INC COM 02209S103 396 8,700 SH   OTR   8,700 0 0
AMAZON COM INC COM 023135106 792 241 SH   OTR   241 0 0
AMERIPRISE FINL INC COM 03076C106 335 1,268 SH   SOLE   1,268 0 0
AMGEN INC COM 031162100 805 3,784 SH   OTR   3,784 0 0
ANALOG DEVICES INC COM 032654105 523 3,123 SH   SOLE   3,123 0 0
APPLE INC COM 037833100 3,913 27,652 SH   OTR   27,652 0 0
APPLE INC COM 037833100 59 420 SH   SOLE   420 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,041 9,421 SH   OTR   9,421 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 920 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,133 4,150 SH   OTR   4,150 0 0
BLACKLINE INC COM 09239B109 299 2,534 SH   SOLE   2,534 0 0
BLACKROCK INC COM 09247X101 1,342 1,600 SH   OTR   1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,681 28,402 SH   OTR   28,402 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 311 6,000 SH   OTR   6,000 0 0
CHEVRON CORP NEW COM 166764100 353 3,475 SH   OTR   3,475 0 0
CISCO SYS INC COM 17275R102 2 28 SH   SOLE   28 0 0
CISCO SYS INC COM 17275R102 782 14,368 SH   OTR   14,368 0 0
CLEVELAND-CLIFFS INC NEW COM 185899101 282 14,223 SH   SOLE   14,223 0 0
COCA COLA CO COM 191216100 89 1,700 SH   SOLE   1,700 0 0
COCA COLA CO COM 191216100 485 9,248 SH   OTR   9,248 0 0
COLGATE PALMOLIVE CO COM 194162103 385 5,100 SH   OTR   5,100 0 0
DATADOG INC CL A COM 23804L103 1,123 7,944 SH   SOLE   7,944 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 325 3,333 SH   OTR   3,333 0 0
EMERSON ELEC CO COM 291011104 661 7,018 SH   OTR   7,018 0 0
EXXON MOBIL CORP COM 30231G102 1,628 27,681 SH   OTR   27,681 0 0
EXXON MOBIL CORP COM 30231G102 71 1,200 SH   SOLE   1,200 0 0
FACEBOOK INC CL A 30303M102 528 1,557 SH   SOLE   1,557 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 328 13,850 SH   OTR   13,850 0 0
HOME DEPOT INC COM 437076102 788 2,402 SH   OTR   2,402 0 0
INTEL CORP COM 458140100 86 1,612 SH   OTR   1,612 0 0
INTEL CORP COM 458140100 657 12,330 SH   SOLE   12,330 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 69 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 417 3,000 SH   OTR   3,000 0 0
INTUIT COM 461202103 364 674 SH   OTR   674 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 335 5,510 SH   OTR   5,510 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 620 4,140 SH   OTR   4,140 0 0
ISHARES TR CORE MSCI EAFE 46432F842 707 9,520 SH   OTR   9,520 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,852 26,088 SH   SOLE   26,088 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 6,729 94,776 SH   OTR   94,776 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7,619 28,960 SH   OTR   28,960 0 0
ISHARES TR CORE S&P SCP ETF 464287804 9,928 90,929 SH   SOLE   90,929 0 0
ISHARES TR CORE S&P SCP ETF 464287804 35,641 326,412 SH   OTR   326,412 0 0
ISHARES TR EAFE SML CP ETF 464288273 720 9,680 SH   OTR   9,680 0 0
ISHARES TR EAFE SML CP ETF 464288273 388 5,212 SH   SOLE   5,212 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,994 29,960 SH   OTR   29,960 0 0
ISHARES TR MSCI ACWI EX US 464288240 876 15,810 SH   SOLE   15,810 0 0
ISHARES TR MSCI ACWI EX US 464288240 4,330 78,142 SH   OTR   78,142 0 0
ISHARES TR MSCI EAFE ETF 464287465 9,269 118,820 SH   OTR   118,820 0 0
ISHARES TR MSCI EAFE ETF 464287465 281 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 724 14,380 SH   OTR   14,380 0 0
ISHARES TR RUS 1000 ETF 464287622 11,617 48,062 SH   SOLE   48,062 0 0
ISHARES TR RUS 1000 ETF 464287622 23,099 95,563 SH   OTR   95,563 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,244 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,137 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,977 19,018 SH   OTR   19,018 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,416 4,823 SH   OTR   4,823 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,315 8,210 SH   OTR   8,210 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,665 7,612 SH   SOLE   7,612 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,532 29,859 SH   OTR   29,859 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 360 1,414 SH   SOLE   1,414 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,885 15,246 SH   OTR   15,246 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,476 33,500 SH   OTR   33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,327 13,182 SH   SOLE   13,182 0 0
ISHARES TR SP SMCP600VL ETF 464287879 381 3,789 SH   OTR   3,789 0 0
JOHNSON & JOHNSON COM 478160104 362 2,240 SH   OTR   2,240 0 0
JPMORGAN CHASE & CO COM 46625H100 2,878 17,580 SH   OTR   17,580 0 0
JPMORGAN CHASE & CO COM 46625H100 21 130 SH   SOLE   130 0 0
KIMBERLY-CLARK CORP COM 494368103 620 4,681 SH   OTR   4,681 0 0
KIMBERLY-CLARK CORP COM 494368103 79 600 SH   SOLE   600 0 0
LOWES COS INC COM 548661107 2,351 11,590 SH   OTR   11,590 0 0
MARRIOTT INTL INC NEW CL A 571903202 555 3,745 SH   SOLE   3,745 0 0
MCDONALDS CORP COM 580135101 446 1,850 SH   OTR   1,850 0 0
MERCK & CO INC COM 58933Y105 240 3,200 SH   SOLE   3,200 0 0
MERCK & CO INC COM 58933Y105 795 10,588 SH   OTR   10,588 0 0
MICROSOFT CORP COM 594918104 564 2,000 SH   OTR   2,000 0 0
MORGAN STANLEY COM NEW 617446448 594 6,103 SH   SOLE   6,103 0 0
NEXTERA ENERGY INC COM 65339F101 1,950 24,840 SH   OTR   24,840 0 0
NIKE INC CL B 654106103 2,409 16,589 SH   OTR   16,589 0 0
OKTA INC CL A 679295105 389 1,638 SH   SOLE   1,638 0 0
OTIS WORLDWIDE CORP COM 68902V107 247 3,000 SH   OTR   3,000 0 0
PEPSICO INC COM 713448108 729 4,850 SH   OTR   4,850 0 0
PHILIP MORRIS INTL INC COM 718172109 1,608 16,965 SH   OTR   16,965 0 0
PROCTER AND GAMBLE CO COM 742718109 675 4,825 SH   OTR   4,825 0 0
PROGRESSIVE CORP COM 743315103 2,133 23,593 SH   OTR   23,593 0 0
QUALCOMM INC COM 747525103 585 4,539 SH   SOLE   4,539 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 516 6,000 SH   OTR   6,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 172 1,996 SH   SOLE   1,996 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,239 21,524 SH   SOLE   21,524 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,667 25,637 SH   OTR   25,637 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,163 15,173 SH   SOLE   15,173 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,215 15,855 SH   OTR   15,855 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,235 12,338 SH   OTR   12,338 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,277 12,762 SH   SOLE   12,762 0 0
SERVICENOW INC COM 81762P102 693 1,114 SH   SOLE   1,114 0 0
SOUTHERN CO COM 842587107 217 3,500 SH   OTR   3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,596 24,690 SH   SOLE   24,690 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 41,866 97,559 SH   OTR   97,559 0 0
SYNCHRONY FINANCIAL COM 87165B103 537 10,990 SH   SOLE   10,990 0 0
TARGET CORP COM 87612E106 915 4,000 SH   OTR   4,000 0 0
TEXAS INSTRS INC COM 882508104 528 2,748 SH   SOLE   2,748 0 0
TWITTER INC COM 90184L102 636 10,533 SH   SOLE   10,533 0 0
UNION PAC CORP COM 907818108 331 1,691 SH   OTR   1,691 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,980 10,271 SH   SOLE   10,271 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,808 9,000 SH   SOLE   9,000 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,186 5,902 SH   OTR   5,902 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 735 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 115 488 SH   OTR   488 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 105 753 SH   OTR   753 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 737 5,281 SH   SOLE   5,281 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 539 2,277 SH   OTR   2,277 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,087 20,503 SH   OTR   20,503 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,145 2,904 SH   SOLE   2,904 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,251 23,455 SH   OTR   23,455 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 102 605 SH   OTR   605 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 733 4,331 SH   SOLE   4,331 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,493 11,401 SH   SOLE   11,401 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 538 2,462 SH   OTR   2,462 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 115 410 SH   OTR   410 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 667 2,380 SH   SOLE   2,380 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,780 12,521 SH   OTR   12,521 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 626 2,817 SH   SOLE   2,817 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,259 24,071 SH   SOLE   24,071 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 31,432 515,623 SH   OTR   515,623 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14,665 240,562 SH   SOLE   240,562 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 70 1,390 SH   SOLE   1,390 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,037 80,723 SH   OTR   80,723 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,298 17,187 SH   OTR   17,187 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 309 3,038 SH   OTR   3,038 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,539 34,753 SH   SOLE   34,753 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,645 168,274 SH   SOLE   168,274 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,648 41,856 SH   OTR   41,856 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 759 15,024 SH   SOLE   15,024 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 10,119 200,422 SH   OTR   200,422 0 0
VISA INC COM CL A 92826C839 815 3,660 SH   OTR   3,660 0 0
WALMART INC COM 931142103 884 6,344 SH   OTR   6,344 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,164 7,950 SH   OTR   7,950 0 0