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
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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
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 217,305 3,233 SH OTR 0 0 3,233
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 348,574 4,429 SH OTR 0 0 4,429
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 160,969 3,251 SH OTR 0 0 3,251
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,938,929 47,503 SH SOLE 0 0 47,503
VERIZON COMMUNICATIONS INC COM 92343V104 12,981 300 SH OTR 0 0 300
ISHARES TR TIPS BD ETF 464287176 25,334 230 SH SOLE 0 0 230
ISHARES TR MORNINGSTAR VALU 464288109 3,757 45 SH SOLE 0 0 45
NEXTERA ENERGY INC COM 65339F101 627,001 9,032 SH OTR 0 0 9,032
DOMINION ENERGY INC COM 25746U109 22,107 391 SH SOLE 0 0 391
GE AEROSPACE COM NEW 369604301 360,575 1,401 SH OTR 0 0 1,401
VANGUARD INDEX FDS GROWTH ETF 922908736 256,542 585 SH OTR 0 0 585
ISHARES TR RUS 1000 GRW ETF 464287614 82,538 194 SH SOLE 0 0 194
ISHARES TR MSCI EMG MKT ETF 464287234 35,255 731 SH SOLE 0 0 731
CHEMOURS CO COM 163851108 493 43 SH OTR 0 0 43
CORTEVA INC COM 22052L104 24,741 332 SH OTR 0 0 332
EXXON MOBIL CORP COM 30231G102 55,539 515 SH SOLE 0 0 515
WALMART INC COM 931142103 178,286 1,823 SH OTR 0 0 1,823
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,829,572 117,864 SH SOLE 0 0 117,864
UNION PAC CORP COM 907818108 70,720 307 SH OTR 0 0 307
ISHARES TR MSCI ACWI EX US 464288240 511,720 8,397 SH OTR 0 0 8,397
VANGUARD INDEX FDS TOTAL STK MKT 922908769 95,724 315 SH SOLE 0 0 315
JPMORGAN CHASE & CO. COM 46625H100 534,021 1,842 SH OTR 0 0 1,842
ISHARES TR EAFE SML CP ETF 464288273 550,858 7,579 SH OTR 0 0 7,579
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,009,775 40,593 SH SOLE 0 0 40,593
VANGUARD INDEX FDS VALUE ETF 922908744 247,627 1,401 SH OTR 0 0 1,401
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,003,765 3,624 SH OTR 0 0 3,624
ISHARES TR IBOXX HI YD ETF 464288513 2,546,805 31,578 SH SOLE 0 0 31,578
CARNIVAL CORP UNIT 99/99/9999 143658300 2,812 100 SH SOLE 0 0 100
DUPONT DE NEMOURS INC COM 26614N102 80,914 1,180 SH OTR 0 0 1,180
ISHARES TR 3 7 YR TREAS BD 464288661 3,763,317 31,601 SH SOLE 0 0 31,601
ISHARES TR IBOXX INV CP ETF 464287242 2,026,656 18,490 SH SOLE 0 0 18,490
ISHARES INC CORE MSCI EMKT 46434G103 463,476 7,721 SH OTR 0 0 7,721
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,350 104 SH SOLE 0 0 104
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,611 452 SH SOLE 0 0 452
JOHNSON & JOHNSON COM 478160104 71,138 466 SH OTR 0 0 466
ISHARES TR ESG MSCI LEADR 46435U218 13,872 128 SH OTR 0 0 128
ISHARES INC JP MRG EM CRP BD 464286251 2,556,487 56,261 SH SOLE 0 0 56,261
VANGUARD INDEX FDS SMALL CP ETF 922908751 136,183 575 SH SOLE 0 0 575
ISHARES TR JPMORGAN USD EMG 464288281 2,028,773 21,904 SH SOLE 0 0 21,904
ISHARES TR JPMORGAN USD EMG 464288281 162,756 1,757 SH OTR 0 0 1,757
ISHARES TR CORE US AGGBD ET 464287226 1,068,644 10,773 SH SOLE 0 0 10,773
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 333,688 2,543 SH OTR 0 0 2,543
VERIZON COMMUNICATIONS INC COM 92343V104 136,537 3,155 SH SOLE 0 0 3,155
LINCOLN NATL CORP IND COM 534187109 7,530 218 SH OTR 0 0 218
CACI INTL INC CL A 127190304 619,710 1,300 SH SOLE 0 0 1,300
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 191,062 2,924 SH OTR 0 0 2,924
ISHARES TR 3 7 YR TREAS BD 464288661 351,651 2,953 SH OTR 0 0 2,953
AMAZON COM INC COM 023135106 313,795 1,430 SH SOLE 0 0 1,430
ISHARES INC MSCI EMRG CHN 46434G764 2,357 37 SH SOLE 0 0 37
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 2,016,297 30,854 SH SOLE 0 0 30,854
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 63,898 332 SH SOLE 0 0 332
GE VERNOVA INC COM 36828A101 216,709 410 SH OTR 0 0 410
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,366 6 SH SOLE 0 0 6
PPG INDS INC COM 693506107 30,602 269 SH OTR 0 0 269
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 242,300 428 SH SOLE 0 0 428
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 4,085,758 187,334 SH SOLE 0 0 187,334
ISHARES TR IBOXX INV CP ETF 464287242 183,752 1,676 SH OTR 0 0 1,676
NVIDIA CORPORATION COM 67066G104 3,459 22 SH SOLE 0 0 22
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,999,606 50,310 SH SOLE 0 0 50,310
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 340,075 6,060 SH OTR 0 0 6,060
COCA COLA CO COM 191216100 537,782 7,601 SH OTR 0 0 7,601
GENERAL DYNAMICS CORP COM 369550108 1,598,180 5,480 SH OTR 0 0 5,480
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 41,830 504 SH OTR 0 0 504
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 348,786 4,387 SH OTR 0 0 4,387
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 6,672,524 50,858 SH SOLE 0 0 50,858
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 213,802 4,323 SH OTR 0 0 4,323
WASTE MGMT INC DEL COM 94106L109 57,823 253 SH OTR 0 0 253
VANGUARD INDEX FDS GROWTH ETF 922908736 963,412 2,198 SH SOLE 0 0 2,198
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 515,223 39,511 SH OTR 0 0 39,511
DOW INC COM 260557103 32,967 1,245 SH OTR 0 0 1,245
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 34,416 465 SH OTR 0 0 465
VANGUARD INDEX FDS VALUE ETF 922908744 962,979 5,449 SH SOLE 0 0 5,449
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 396,041 1,393 SH OTR 0 0 1,393
VANGUARD WORLD FD EXTENDED DUR 921910709 78,681 1,169 SH SOLE 0 0 1,169
WEC ENERGY GROUP INC COM 92939U106 173,545 1,666 SH OTR 0 0 1,666
VANGUARD WORLD FD ESG US STK ETF 921910733 35,790 326 SH SOLE 0 0 326
INGERSOLL RAND INC COM 45687V106 41,610 500 SH OTR 0 0 500
EXXON MOBIL CORP COM 30231G102 142,173 1,319 SH OTR 0 0 1,319
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 9,263,827 32,574 SH SOLE 0 0 32,574
VANGUARD INDEX FDS SML CP GRW ETF 922908595 8,762,991 31,642 SH SOLE 0 0 31,642
CONSOLIDATED EDISON INC COM 209115104 52,820 526 SH OTR 0 0 526
TRANE TECHNOLOGIES PLC SHS G8994E103 221,958 507 SH OTR 0 0 507
3M CO COM 88579Y101 113,419 745 SH OTR 0 0 745
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,616,502 68,678 SH SOLE 0 0 68,678
VANGUARD INDEX FDS MID CAP ETF 922908629 84,025 300 SH SOLE 0 0 300
ISHARES TR IBOXX HI YD ETF 464288513 341,254 4,231 SH OTR 0 0 4,231
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,698,680 44,606 SH SOLE 0 0 44,606
SOLVENTUM CORP COM SHS 83444M101 14,106 186 SH OTR 0 0 186
PROCTER AND GAMBLE CO COM 742718109 338,714 2,126 SH OTR 0 0 2,126
VANGUARD WORLD FD MEGA GRWTH IND 921910816 372,880 1,018 SH OTR 0 0 1,018
VANGUARD INDEX FDS SM CP VAL ETF 922908611 929,415 4,766 SH OTR 0 0 4,766
ALLSTATE CORP COM 020002101 145,547 723 SH OTR 0 0 723
PFIZER INC COM 717081103 12,411 512 SH OTR 0 0 512
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 592,135 3,600 SH OTR 0 0 3,600
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 245,668 11,264 SH OTR 0 0 11,264
ISHARES TR MRGSTR MD CP VAL 464288406 5,449 72 SH SOLE 0 0 72
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,210,431 46,212 SH SOLE 0 0 46,212
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,886,542 69,254 SH SOLE 0 0 69,254
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 2,028 100 SH SOLE 0 0 100
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,945,903 4,768 SH SOLE 0 0 4,768
ISHARES INC JP MRG EM CRP BD 464286251 334,949 7,371 SH OTR 0 0 7,371
ISHARES TR MSCI EAFE ETF 464287465 1,313,746 14,697 SH SOLE 0 0 14,697
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 2,215,303 169,885 SH SOLE 0 0 169,885
ALLEGION PLC ORD SHS G0176J109 49,856 346 SH OTR 0 0 346
VANGUARD WORLD FD MEGA GRWTH IND 921910816 6,630,557 18,108 SH SOLE 0 0 18,108
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,934,563 49,994 SH SOLE 0 0 49,994
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 167,082 1,243 SH OTR 0 0 1,243
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,611,073 52,360 SH SOLE 0 0 52,360