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
3M CO COM 88579Y101 BBG001S5T7X2 218,640 2,000 SH   SOLE   0 0 2,000
3M CO COM 88579Y101 BBG001S5T7X2 57,393 525 SH   OTR 3 0 0 525
ABBOTT LABS COM 002824100 BBG001S5N9M6 572,364 5,200 SH   SOLE   0 0 5,200
ABBOTT LABS COM 002824100 BBG001S5N9M6 322,616 2,931 SH   OTR 1,2,3 0 0 2,931
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 805,844 5,200 SH   SOLE   0 0 5,200
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 378,437 2,442 SH   OTR 1,2,3 0 0 2,442
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 223,696 637 SH   OTR 1,2 0 0 637
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 327,103 2,219 SH   OTR 2,3 0 0 2,219
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 547,600 2,000 SH   SOLE   0 0 2,000
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 219,458 1,612 SH   OTR 2,3 0 0 1,612
AIRBNB INC COM CL A 009066101 BBG001Y2XS16 848,017 6,229 SH   SOLE   0 0 6,229
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 602,064 4,310 SH   OTR 3 0 0 4,310
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 750,030 5,322 SH   OTR 1,2,3 0 0 5,322
AMAZON COM INC COM 023135106 BBG001S5PQL7 576,613 3,795 SH   OTR 1,2,3 0 0 3,795
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,640,952 10,800 SH   SOLE   0 0 10,800
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 116,713 623 SH   OTR 1 0 0 623
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 93,670 500 SH   SOLE   0 0 500
APPLE INC COM 037833100 BBG001S5N8V8 1,840,587 9,560 SH   OTR 3 0 0 9,560
APPLE INC COM 037833100 BBG001S5N8V8 3,260,304 16,934 SH   SOLE   0 0 16,934
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 BBG0068KVVC7 219,884 1,849 SH   OTR 2 0 0 1,849
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 270,684 358 SH   OTR 1,3 0 0 358
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 304,259 1,306 SH   OTR 1,2 0 0 1,306
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 139,782 600 SH   SOLE   0 0 600
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 205,522 6,104 SH   OTR 1,3 0 0 6,104
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 34,953 98 SH   OTR 2 0 0 98
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 299,595 840 SH   SOLE   0 0 840
BROADCOM INC COM 11135F101 BBG00KHY5SY8 2,036,960 1,825 SH   OTR 1,2,3 0 0 1,825
CANADIAN NATL RY CO COM 136375102 BBG001S8WVQ7 159,525 1,270 SH   OTR 1,2 0 0 1,270
CANADIAN NATL RY CO COM 136375102 BBG001S8WVQ7 75,378 600 SH   SOLE   0 0 600
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 214,519 3,734 SH   OTR 2,3 0 0 3,734
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 5,745 100 SH   SOLE   0 0 100
CHECK POINT SOFTWARE TECH LT ORD M22465104 BBG001SB85K0 263,563 1,725 SH   OTR 3 0 0 1,725
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 203,306 1,363 SH   OTR 1,2 0 0 1,363
D R HORTON INC COM 23331A109 BBG001S8M692 226,755 1,492 SH   OTR 2 0 0 1,492
DISNEY WALT CO COM 254687106 BBG001S5QHF3 22,573 250 SH   SOLE   0 0 250
DISNEY WALT CO COM 254687106 BBG001S5QHF3 202,702 2,245 SH   OTR 1,3 0 0 2,245
ECOLAB INC COM 278865100 BBG001S5QRB5 154,713 780 SH   OTR 3 0 0 780
ECOLAB INC COM 278865100 BBG001S5QRB5 99,175 500 SH   SOLE   0 0 500
ELI LILLY & CO COM 532457108 BBG001S5STL8 341,592 586 SH   OTR 1,2 0 0 586
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 233,592 2,400 SH   SOLE   0 0 2,400
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 225,806 2,320 SH   OTR 1,3 0 0 2,320
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 67,687 677 SH   OTR 1,2 0 0 677
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 244,951 2,450 SH   SOLE   0 0 2,450
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 232,620 603 SH   OTR 2,3 0 0 603
HUBBELL INC COM 443510607 BBG001S5S1L9 25,328 77 SH   OTR 2 0 0 77
HUBBELL INC COM 443510607 BBG001S5S1L9 230,251 700 SH   SOLE   0 0 700
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 220,902 843 SH   OTR 1,3 0 0 843
INTUIT COM 461202103 BBG001S6TWR2 390,019 624 SH   OTR 2,3 0 0 624
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 900,944 2,200 SH   SOLE   0 0 2,200
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 192,065 469 SH   OTR 2 0 0 469
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 266,181 4,150 SH   OTR 1 0 0 4,150
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 388,010 1,400 SH   SOLE   0 0 1,400
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 85,917 310 SH   OTR 3 0 0 310
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,738,574 3,640 SH   OTR 3 0 0 3,640
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 405,640 1,000 SH   SOLE   0 0 1,000
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,167,969 7,151 SH   SOLE   0 0 7,151
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,638,040 12,000 SH   OTR 1 0 0 12,000
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 4,536 27 SH   OTR 1 0 0 27
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,421,646 8,603 SH   SOLE   0 0 8,603
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 691,446 3,445 SH   SOLE   0 0 3,445
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 120,426 600 SH   OTR 1 0 0 600
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 580,814 2,600 SH   OTR 1 0 0 2,600
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 93,418 596 SH   SOLE   0 0 596
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 388,089 2,476 SH   OTR 1,3 0 0 2,476
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 328,293 1,930 SH   OTR 1,2,3 0 0 1,930
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 249,282 550 SH   OTR 1,2 0 0 550
LOWES COS INC COM 548661107 BBG001S5SVL3 212,758 956 SH   OTR 1,2 0 0 956
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 241,832 567 SH   OTR 2 0 0 567
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 262,793 3,190 SH   OTR 1,3 0 0 3,190
MERCK & CO INC COM 58933Y105 BBG001S5TC52 495,496 4,545 SH   OTR 1,2,3 0 0 4,545
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,071,714 2,850 SH   OTR 1,2,3 0 0 2,850
MICROSOFT CORP COM 594918104 BBG001S5TD05 643,029 1,710 SH   SOLE   0 0 1,710
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 148,699 2,053 SH   OTR 1,3 0 0 2,053
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 90,538 1,250 SH   SOLE   0 0 1,250
NIKE INC CL B 654106103 BBG001S6NTK2 54,285 500 SH   SOLE   0 0 500
NIKE INC CL B 654106103 BBG001S6NTK2 602,860 5,553 SH   OTR 1,2,3 0 0 5,553
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 468,974 947 SH   OTR 2,3 0 0 947
ORACLE CORP COM 68389X105 BBG001S5SJG6 454,404 4,310 SH   OTR 2,3 0 0 4,310
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 224,361 487 SH   OTR 1,2 0 0 487
PEPSICO INC COM 713448108 BBG001S695T1 111,193 655 SH   OTR 1,2,3 0 0 655
PEPSICO INC COM 713448108 BBG001S695T1 118,888 700 SH   SOLE   0 0 700
PFIZER INC COM 717081103 BBG001S5V466 15,230 529 SH   OTR 1 0 0 529
PFIZER INC COM 717081103 BBG001S5V466 200,724 6,972 SH   SOLE   0 0 6,972
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 159,729 1,090 SH   OTR 1 0 0 1,090
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 172,185 1,175 SH   SOLE   0 0 1,175
RENT THE RUNWAY INC COM CL A 76010Y103 BBG001V0FB29 52,750 100,000 SH   SOLE   0 0 100,000
SALESFORCE INC COM 79466L302 BBG001SDLP09 280,771 1,067 SH   OTR 2,3 0 0 1,067
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,995,149 80,482 SH   SOLE   0 0 80,482
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 2,444,134 32,450 SH   SOLE   0 0 32,450
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,824,787 38,628 SH   SOLE   0 0 38,628
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 342,160 9,100 SH   OTR 3 0 0 9,100
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 767,768 10,659 SH   SOLE   0 0 10,659
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 755,818 5,542 SH   SOLE   0 0 5,542
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 548,658 2,870 SH   OTR 1 0 0 2,870
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 4,436,299 130,441 SH   SOLE   0 0 130,441
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 237,655 500 SH   SOLE   0 0 500
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,537,326 5,338 SH   OTR 1,2,3 0 0 5,338
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 581,515 6,363 SH   OTR 1 0 0 6,363
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 333,438 11,675 SH   OTR 1 0 0 11,675
STARBUCKS CORP COM 855244109 BBG001S72KH6 220,055 2,292 SH   OTR 2 0 0 2,292
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 93,924 551 SH   OTR 1,2 0 0 551
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 146,596 860 SH   SOLE   0 0 860
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 392,140 6,369 SH   SOLE   0 0 6,369
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 266,108 505 SH   OTR 1,2 0 0 505
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 338,745 6,561 SH   OTR 1 0 0 6,561
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,587,135 10,945 SH   SOLE   0 0 10,945
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 16,986,613 71,607 SH   SOLE   0 0 71,607
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 2,735,850 18,300 SH   OTR 1 0 0 18,300
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,813,756 38,888 SH   SOLE   0 0 38,888
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 916,530 22,300 SH   OTR 1,3 0 0 22,300
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 778,599 18,944 SH   SOLE   0 0 18,944
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 167,648 2,600 SH   OTR 1 0 0 2,600
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 659,631 10,230 SH   SOLE   0 0 10,230
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 342,758 4,217 SH   OTR 1 0 0 4,217
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,893,485 11,112 SH   SOLE   0 0 11,112
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 508,411 10,614 SH   SOLE   0 0 10,614
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,391,320 70,800 SH   OTR 1 0 0 70,800
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 7,305,012 15,093 SH   SOLE   0 0 15,093
VISA INC COM CL A 92826C839 BBG001SRCFY3 26,035 100 SH   SOLE   0 0 100
VISA INC COM CL A 92826C839 BBG001SRCFY3 176,778 679 SH   OTR 1,2,3 0 0 679
WALMART INC COM 931142103 BBG001S5XH92 389,238 2,469 SH   OTR 1,3 0 0 2,469
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 179,100 1,000 SH   SOLE   0 0 1,000
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 138,407 773 SH   OTR 1,3 0 0 773
ZOETIS INC CL A 98978V103 BBG0039320P7 356,451 1,806 SH   OTR 2,3 0 0 1,806
ZOETIS INC CL A 98978V103 BBG0039320P7 122,567 621 SH   SOLE   0 0 621