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
Expires: July 31, 2015
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
ABBOTT LABS COM 002824100 893,535 6,736 SH OTR 6,736 0 0
ABBOTT LABS COM 002824100 390,389 2,943 SH SOLE 2,943 0 0
ABBVIE INC COM 00287Y109 1,294,942 6,181 SH OTR 6,181 0 0
ABBVIE INC COM 00287Y109 439,363 2,097 SH SOLE 2,097 0 0
ALPHABET INC CAP STK CL A 02079K305 170,104 1,100 SH OTR 1,100 0 0
ALPHABET INC CAP STK CL A 02079K305 285,156 1,844 SH SOLE 1,844 0 0
ALPHABET INC CAP STK CL C 02079K107 363,860 2,329 SH OTR 2,329 0 0
ALTRIA GROUP INC COM 02209S103 120,040 2,000 SH SOLE 2,000 0 0
ALTRIA GROUP INC COM 02209S103 522,174 8,700 SH OTR 8,700 0 0
AMAZON COM INC COM 023135106 233,639 1,228 SH SOLE 1,228 0 0
AMGEN INC COM 031162100 202,196 649 SH SOLE 649 0 0
APPLE INC COM 037833100 208,580 939 SH SOLE 939 0 0
ARK ETF TR INNOVATION ETF 00214Q104 409,902 8,615 SH OTR 8,615 0 0
BANK AMERICA CORP COM 060505104 238,904 5,725 SH SOLE 5,725 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,992,208 5 SH OTR 5 0 0
BLACKROCK INC COM 09290D101 229,995 243 SH SOLE 243 0 0
BLACKROCK INC COM 09290D101 1,514,368 1,600 SH OTR 1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 210,476 3,451 SH SOLE 3,451 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,811,830 29,707 SH OTR 29,707 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 380,400 6,000 SH OTR 6,000 0 0
CATERPILLAR INC COM 149123101 220,306 668 SH SOLE 668 0 0
CENCORA INC COM 03073E105 290,326 1,044 SH OTR 1,044 0 0
CENTENE CORP DEL COM 15135B101 309,317 5,095 SH SOLE 5,095 0 0
CENTENE CORP DEL COM 15135B101 1,707,469 28,125 SH OTR 28,125 0 0
CHEVRON CORP NEW COM 166764100 545,365 3,260 SH OTR 3,260 0 0
CHEVRON CORP NEW COM 166764100 200,581 1,199 SH SOLE 1,199 0 0
CISCO SYS INC COM 17275R102 219,478 3,557 SH SOLE 3,557 0 0
CISCO SYS INC COM 17275R102 886,649 14,368 SH OTR 14,368 0 0
COCA COLA CO COM 191216100 804,221 11,229 SH OTR 11,229 0 0
COCA COLA CO COM 191216100 338,977 4,733 SH SOLE 4,733 0 0
COLGATE PALMOLIVE CO COM 194162103 217,290 2,319 SH SOLE 2,319 0 0
COLGATE PALMOLIVE CO COM 194162103 477,870 5,100 SH OTR 5,100 0 0
COSTCO WHSL CORP NEW COM 22160K105 277,114 293 SH SOLE 293 0 0
DATADOG INC CL A COM 23804L103 600,816 6,056 SH SOLE 6,056 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 348,175 6,762 SH OTR 6,762 0 0
DOORDASH INC CL A 25809K105 221,883 1,214 SH SOLE 1,214 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 406,526 3,333 SH OTR 3,333 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 228,572 1,874 SH SOLE 1,874 0 0
DUPONT DE NEMOURS INC COM 26614N102 185,879 2,489 SH SOLE 2,489 0 0
DUPONT DE NEMOURS INC COM 26614N102 46,451 622 SH OTR 622 0 0
ELI LILLY & CO COM 532457108 386,526 468 SH OTR 468 0 0
ELI LILLY & CO COM 532457108 251,903 305 SH SOLE 305 0 0
EMERSON ELEC CO COM 291011104 983,824 8,973 SH OTR 8,973 0 0
EMERSON ELEC CO COM 291011104 207,329 1,891 SH SOLE 1,891 0 0
EXXON MOBIL CORP COM 30231G102 348,346 2,929 SH SOLE 2,929 0 0
EXXON MOBIL CORP COM 30231G102 4,083,224 34,333 SH OTR 34,333 0 0
GILEAD SCIENCES INC COM 375558103 245,950 2,195 SH SOLE 2,195 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 286,256 524 SH SOLE 524 0 0
HOME DEPOT INC COM 437076102 197,538 539 SH SOLE 539 0 0
HOME DEPOT INC COM 437076102 241,883 660 SH OTR 660 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 405,813 1,632 SH SOLE 1,632 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 745,980 3,000 SH OTR 3,000 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 11,970,948 90,744 SH SOLE 90,744 0 0
INTRA-CELLULAR THERAPIES INC COM 46116X101 9,596,388 72,744 SH OTR 72,744 0 0
INTUIT COM 461202103 392,954 640 SH OTR 640 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 827,173 4,775 SH OTR 4,775 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,384,017 18,295 SH OTR 18,295 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 4,332,967 62,068 SH OTR 62,068 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,728,864 24,765 SH SOLE 24,765 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7,867,768 134,838 SH OTR 134,838 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,880,315 56,234 SH SOLE 56,234 0 0
ISHARES TR CORE S&P SCP ETF 464287804 52,611,516 503,122 SH OTR 503,122 0 0
ISHARES TR CORE S&P500 ETF 464287200 404,568 720 SH OTR 720 0 0
ISHARES TR EAFE SML CP ETF 464288273 614,970 9,680 SH OTR 9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,792,071 23,989 SH OTR 23,989 0 0
ISHARES TR MSCI ACWI EX US 464288240 3,912,098 70,552 SH OTR 70,552 0 0
ISHARES TR MSCI ACWI EX US 464288240 1,011,860 18,248 SH SOLE 18,248 0 0
ISHARES TR MSCI EAFE ETF 464287465 294,228 3,600 SH SOLE 3,600 0 0
ISHARES TR MSCI EAFE ETF 464287465 8,573,848 104,905 SH OTR 104,905 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 940,424 21,520 SH OTR 21,520 0 0
ISHARES TR RUS 1000 ETF 464287622 21,292,800 69,416 SH OTR 69,416 0 0
ISHARES TR RUS 1000 ETF 464287622 11,282,723 36,783 SH SOLE 36,783 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,639,349 4,540 SH SOLE 4,540 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,745,303 15,911 SH OTR 15,911 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,456,123 18,368 SH OTR 18,368 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,930,199 11,467 SH OTR 11,467 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,281,065 8,485 SH OTR 8,485 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,539,778 7,719 SH SOLE 7,719 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 5,335,703 26,747 SH OTR 26,747 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 454,757 1,432 SH SOLE 1,432 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 6,515,947 20,514 SH OTR 20,514 0 0
ISHARES TR S&P 100 ETF 464287101 2,540,385 9,380 SH OTR 9,380 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 3,109,805 33,500 SH OTR 33,500 0 0
ISHARES TR S&P SML 600 GWT 464287887 34,023 273 SH OTR 273 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,531,033 12,297 SH SOLE 12,297 0 0
ISHARES TR SP SMCP600VL ETF 464287879 2,756,788 28,281 SH SOLE 28,281 0 0
ISHARES TR SP SMCP600VL ETF 464287879 717,299 7,358 SH OTR 7,358 0 0
JOHNSON & JOHNSON COM 478160104 384,085 2,316 SH OTR 2,316 0 0
JOHNSON & JOHNSON COM 478160104 192,374 1,160 SH SOLE 1,160 0 0
JPMORGAN CHASE & CO. COM 46625H100 4,638,623 18,910 SH OTR 18,910 0 0
JPMORGAN CHASE & CO. COM 46625H100 279,887 1,141 SH SOLE 1,141 0 0
KIMBERLY-CLARK CORP COM 494368103 85,332 600 SH SOLE 600 0 0
KIMBERLY-CLARK CORP COM 494368103 568,880 4,000 SH OTR 4,000 0 0
LOWES COS INC COM 548661107 2,703,136 11,590 SH OTR 11,590 0 0
MASTERCARD INCORPORATED CL A 57636Q104 295,437 539 SH OTR 539 0 0
MASTERCARD INCORPORATED CL A 57636Q104 43,850 80 SH SOLE 80 0 0
MCDONALDS CORP COM 580135101 562,266 1,800 SH OTR 1,800 0 0
MERCK & CO INC COM 58933Y105 439,824 4,900 SH SOLE 4,900 0 0
MERCK & CO INC COM 58933Y105 950,379 10,588 SH OTR 10,588 0 0
META PLATFORMS INC CL A 30303M102 314,116 545 SH SOLE 545 0 0
METLIFE INC COM 59156R108 220,155 2,742 SH SOLE 2,742 0 0
MICROSOFT CORP COM 594918104 365,630 974 SH OTR 974 0 0
MICROSOFT CORP COM 594918104 270,281 720 SH SOLE 720 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 314,785 719 SH OTR 719 0 0
NEXTERA ENERGY INC COM 65339F101 1,162,596 16,400 SH OTR 16,400 0 0
NEXTERA ENERGY INC COM 65339F101 205,439 2,898 SH SOLE 2,898 0 0
NIKE INC CL B 654106103 863,963 13,610 SH OTR 13,610 0 0
NIKE INC CL B 654106103 98,838 1,557 SH SOLE 1,557 0 0
NVIDIA CORPORATION COM 67066G104 433,732 4,002 SH SOLE 4,002 0 0
ORACLE CORP COM 68389X105 241,452 1,727 SH SOLE 1,727 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 266,460 186 SH SOLE 186 0 0
OTIS WORLDWIDE CORP COM 68902V107 309,600 3,000 SH OTR 3,000 0 0
PEPSICO INC COM 713448108 678,778 4,527 SH OTR 4,527 0 0
PEPSICO INC COM 713448108 157,587 1,051 SH SOLE 1,051 0 0
PHILIP MORRIS INTL INC COM 718172109 2,619,045 16,500 SH OTR 16,500 0 0
PROCTER AND GAMBLE CO COM 742718109 819,379 4,808 SH OTR 4,808 0 0
PROCTER AND GAMBLE CO COM 742718109 204,674 1,201 SH SOLE 1,201 0 0
PROGRESSIVE CORP COM 743315103 4,194,774 14,822 SH OTR 14,822 0 0
RTX CORPORATION COM 75513E101 794,760 6,000 SH OTR 6,000 0 0
RTX CORPORATION COM 75513E101 549,576 4,149 SH SOLE 4,149 0 0
SALESFORCE INC COM 79466L302 202,075 753 SH SOLE 753 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104 2,358,507 10,720 SH OTR 10,720 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,096,597 39,775 SH SOLE 39,775 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,968,803 180,225 SH OTR 180,225 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,993,031 100,760 SH OTR 100,760 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,706,249 75,425 SH OTR 75,425 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 161,891 4,512 SH SOLE 4,512 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 20,665,599 935,942 SH OTR 935,942 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,584,442 117,049 SH SOLE 117,049 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,071,711 40,905 SH OTR 40,905 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,834,391 70,015 SH SOLE 70,015 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,261,732 267,253 SH OTR 267,253 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,608,391 111,327 SH SOLE 111,327 0 0
SOUTHERN CO COM 842587107 321,825 3,500 SH OTR 3,500 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 66,131,150 118,220 SH OTR 118,220 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,891,476 19,470 SH SOLE 19,470 0 0
STRYKER CORPORATION COM 863667101 226,700 609 SH SOLE 609 0 0
TARGET CORP COM 87612E106 417,440 4,000 SH OTR 4,000 0 0
TJX COS INC NEW COM 872540109 240,311 1,973 SH SOLE 1,973 0 0
UNION PAC CORP COM 907818108 352,234 1,491 SH OTR 1,491 0 0
UNION PAC CORP COM 907818108 2,502,490 10,593 SH SOLE 10,593 0 0
VALENS SEMICONDUCTOR LTD ORDINARY SHARES M9607U115 46,887 22,984 SH OTR 22,984 0 0
VALENS SEMICONDUCTOR LTD ORDINARY SHARES M9607U115 73,012 35,790 SH SOLE 35,790 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,301,653 43,119 SH OTR 43,119 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,868,363 18,522 SH SOLE 18,522 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 11,354,870 44,177 SH OTR 44,177 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,589,950 10,076 SH SOLE 10,076 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 760,509 3,109 SH SOLE 3,109 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 119,384 488 SH OTR 488 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 801,460 4,992 SH SOLE 4,992 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 120,887 753 SH OTR 753 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,206,741 8,533 SH OTR 8,533 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,551,177 17,133 SH OTR 17,133 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,278,197 12,217 SH SOLE 12,217 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,020,930 46,742 SH OTR 46,742 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 767,927 4,122 SH SOLE 4,122 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 112,705 605 SH OTR 605 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,272,440 10,248 SH SOLE 10,248 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,650,346 39,009 SH OTR 39,009 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 103,226 410 SH OTR 410 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 765,355 3,040 SH SOLE 3,040 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 60,585,074 220,438 SH OTR 220,438 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,385,204 12,317 SH SOLE 12,317 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 8,069,138 46,713 SH SOLE 46,713 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 37,556,810 619,136 SH OTR 619,136 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,808,796 128,731 SH SOLE 128,731 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,985,623 88,061 SH SOLE 88,061 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,488,308 99,167 SH OTR 99,167 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,830,940 15,839 SH SOLE 15,839 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,700,904 14,714 SH OTR 14,714 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 874,818 7,545 SH OTR 7,545 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 14,955,167 128,979 SH SOLE 128,979 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 3,505,329 43,463 SH OTR 43,463 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 750,741 3,870 SH OTR 3,870 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 49,045,271 789,779 SH OTR 789,779 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 15,696,694 252,765 SH SOLE 252,765 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,632,591 150,159 SH SOLE 150,159 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,285,291 340,061 SH OTR 340,061 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 233,060 5,138 SH OTR 5,138 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 270,391 5,961 SH SOLE 5,961 0 0
VISA INC COM CL A 92826C839 1,282,684 3,660 SH OTR 3,660 0 0
VISA INC COM CL A 92826C839 78,854 225 SH SOLE 225 0 0
WALMART INC COM 931142103 1,316,850 15,000 SH OTR 15,000 0 0
WALMART INC COM 931142103 299,452 3,411 SH SOLE 3,411 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 900,199 7,954 SH OTR 7,954 0 0