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 3,037,919 22,336 SH OTR 0 0 22,336
ALLSTATE CORP COM 020002101 465,836 2,314 SH OTR 0 0 2,314
ALPHABET INC CAP STK CL C 02079K107 4,873,420 27,473 SH OTR 0 0 27,473
ALPHABET INC CAP STK CL A 02079K305 239,714 1,360 SH OTR 0 0 1,360
AMAZON COM INC COM 023135106 1,929,096 8,793 SH OTR 0 0 8,793
AMERICAN TOWER CORP NEW COM 03027X100 320,479 1,450 SH OTR 0 0 1,450
APPLE INC COM 037833100 12,154,483 59,241 SH OTR 0 0 59,241
AT&T INC COM 00206R102 353,068 12,200 SH OTR 0 0 12,200
AUTOLIV INC COM 052800109 462,147 4,130 SH OTR 0 0 4,130
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,398,933 6,997 SH OTR 0 0 6,997
BLACKSTONE INC COM 09260D107 437,821 2,927 SH OTR 0 0 2,927
BLOCK H & R INC COM 093671105 274,450 5,000 SH OTR 0 0 5,000
BRISTOL-MYERS SQUIBB CO COM 110122108 263,853 5,700 SH OTR 0 0 5,700
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 226,125 6,750 SH OTR 0 0 6,750
CAMTEK LTD ORD M20791105 307,037 3,631 SH OTR 0 0 3,631
CHEVRON CORP NEW COM 166764100 1,118,887 7,814 SH OTR 0 0 7,814
CISCO SYS INC COM 17275R102 316,303 4,559 SH OTR 0 0 4,559
CONOCOPHILLIPS COM 20825C104 597,040 6,653 SH OTR 0 0 6,653
CSX CORP COM 126408103 454,895 13,941 SH OTR 0 0 13,941
DTE ENERGY CO COM 233331107 236,176 1,783 SH OTR 0 0 1,783
ELI LILLY & CO COM 532457108 834,097 1,070 SH OTR 0 0 1,070
EXXON MOBIL CORP COM 30231G102 1,006,097 9,333 SH OTR 0 0 9,333
FLEXSHARES TR STOX US ESG SLCT 33939L696 1,355,769 9,234 SH OTR 0 0 9,234
FORTINET INC COM 34959E109 1,250,668 11,830 SH OTR 0 0 11,830
GE AEROSPACE COM NEW 369604301 837,804 3,255 SH OTR 0 0 3,255
GE VERNOVA INC COM 36828A101 429,665 812 SH OTR 0 0 812
GIBRALTAR INDS INC COM 374689107 1,169,675 19,825 SH OTR 0 0 19,825
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 234,349 5,364 SH OTR 0 0 5,364
GOLDMAN SACHS GROUP INC COM 38141G104 1,557,050 2,200 SH OTR 0 0 2,200
HOME DEPOT INC COM 437076102 275,595 752 SH OTR 0 0 752
ILLINOIS TOOL WKS INC COM 452308109 1,250,343 5,057 SH OTR 0 0 5,057
INTERNATIONAL BUSINESS MACHS COM 459200101 971,300 3,295 SH OTR 0 0 3,295
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 660,761 5,875 SH OTR 0 0 5,875
INVESCO QQQ TR UNIT SER 1 46090E103 12,370,673 22,425 SH OTR 0 0 22,425
ISHARES INC MSCI EMERG MRKT 464286533 301,754 4,805 SH OTR 0 0 4,805
ISHARES TR US TREAS BD ETF 46429B267 330,567 14,385 SH OTR 0 0 14,385
ISHARES TR US HLTHCARE ETF 464287762 282,400 5,000 SH OTR 0 0 5,000
ISHARES TR U.S. TECH ETF 464287721 2,323,204 13,408 SH OTR 0 0 13,408
ISHARES TR S&P 100 ETF 464287101 13,713,844 45,059 SH OTR 0 0 45,059
ISHARES TR RUS 2000 VAL ETF 464287630 202,406 1,283 SH OTR 0 0 1,283
ISHARES TR RUS 2000 GRW ETF 464287648 337,029 1,179 SH OTR 0 0 1,179
ISHARES TR MSCI USA MIN VOL 46429B697 2,108,320 22,460 SH OTR 0 0 22,460
ISHARES TR MSCI EMG MKT ETF 464287234 723,359 14,995 SH OTR 0 0 14,995
ISHARES TR MSCI EAFE MIN VL 46429B689 1,451,632 17,269 SH OTR 0 0 17,269
ISHARES TR MSCI EAFE ETF 464287465 730,048 8,167 SH OTR 0 0 8,167
ISHARES TR MORNINGSTAR GRWT 464287119 411,825 4,250 SH OTR 0 0 4,250
ISHARES TR INTL DIV GRWTH 46435G524 1,120,238 14,200 SH OTR 0 0 14,200
ISHARES TR IBONDS DEC 28 46435U325 807,758 31,789 SH OTR 0 0 31,789
ISHARES TR IBONDS DEC 27 46435U283 815,621 32,174 SH OTR 0 0 32,174
ISHARES TR IBONDS DEC 26 46435U259 761,079 29,703 SH OTR 0 0 29,703
ISHARES TR IBONDS DEC 25 46435U432 586,121 21,900 SH OTR 0 0 21,900
ISHARES TR IBONDS DEC 2030 46438G687 256,600 10,000 SH OTR 0 0 10,000
ISHARES TR IBONDS DEC 2029 46436E163 835,113 33,100 SH OTR 0 0 33,100
ISHARES TR HDG MSCI EAFE 46434V803 4,730,765 124,625 SH OTR 0 0 124,625
ISHARES TR ESG OPTIMIZED 464288802 6,092,266 48,065 SH OTR 0 0 48,065
ISHARES TR ESG MSCI KLD 400 464288570 238,128 2,050 SH OTR 0 0 2,050
ISHARES TR ESG AWARE MSCI 46435U663 386,436 9,350 SH OTR 0 0 9,350
ISHARES TR ESG AW MSCI EAFE 46435G516 10,390,171 116,456 SH OTR 0 0 116,456
ISHARES TR CORE S&P500 ETF 464287200 13,499,659 21,742 SH OTR 0 0 21,742
ISHARES TR CORE MSCI TOTAL 46432F834 308,853 3,995 SH OTR 0 0 3,995
ISHARES TR CORE MSCI EURO 46434V738 3,924,043 59,276 SH OTR 0 0 59,276
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 21,944,889 365,444 SH OTR 0 0 365,444
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 5,267,623 103,449 SH OTR 0 0 103,449
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 39,519,554 779,786 SH OTR 0 0 779,786
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 14,592,059 307,590 SH OTR 0 0 307,590
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 3,884,009 79,885 SH OTR 0 0 79,885
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 1,192,265 25,335 SH OTR 0 0 25,335
JOHNSON & JOHNSON COM 478160104 955,451 6,255 SH OTR 0 0 6,255
JPMORGAN CHASE & CO. COM 46625H100 4,341,112 14,974 SH OTR 0 0 14,974
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 411,611 17,165 SH OTR 0 0 17,165
KROGER CO COM 501044101 1,715,782 23,920 SH OTR 0 0 23,920
LOCKHEED MARTIN CORP COM 539830109 343,650 742 SH OTR 0 0 742
MASTERCARD INCORPORATED CL A 57636Q104 2,664,158 4,741 SH OTR 0 0 4,741
MCDONALDS CORP COM 580135101 215,037 736 SH OTR 0 0 736
MCKESSON CORP COM 58155Q103 2,319,249 3,165 SH OTR 0 0 3,165
META PLATFORMS INC CL A 30303M102 1,052,516 1,426 SH OTR 0 0 1,426
MICROSOFT CORP COM 594918104 6,498,493 13,065 SH OTR 0 0 13,065
MORGAN STANLEY COM NEW 617446448 219,742 1,560 SH OTR 0 0 1,560
NETFLIX INC COM 64110L106 756,608 565 SH OTR 0 0 565
NORFOLK SOUTHN CORP COM 655844108 444,108 1,735 SH OTR 0 0 1,735
NVIDIA CORPORATION COM 67066G104 3,302,388 20,903 SH OTR 0 0 20,903
ORACLE CORP COM 68389X105 954,757 4,367 SH OTR 0 0 4,367
PEPSICO INC COM 713448108 694,794 5,262 SH OTR 0 0 5,262
PFIZER INC COM 717081103 611,018 25,207 SH OTR 0 0 25,207
PHILIP MORRIS INTL INC COM 718172109 210,542 1,156 SH OTR 0 0 1,156
PHILLIPS 66 COM 718546104 458,470 3,843 SH OTR 0 0 3,843
PIMCO ETF TR MULTISECTOR BD 72201R585 544,070 20,500 SH OTR 0 0 20,500
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 11,015,725 109,571 SH OTR 0 0 109,571
QUALCOMM INC COM 747525103 734,666 4,613 SH OTR 0 0 4,613
SCHLUMBERGER LTD COM STK 806857108 270,400 8,000 SH OTR 0 0 8,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 402,893 16,485 SH OTR 0 0 16,485
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 4,020,091 140,317 SH OTR 0 0 140,317
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 2,653,230 108,119 SH OTR 0 0 108,119
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 243,101 960 SH OTR 0 0 960
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,235,869 2,000 SH OTR 0 0 2,000
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 452,051 798 SH OTR 0 0 798
SPDR SERIES TRUST S&P HOMEBUILD 78464A888 253,325 2,570 SH OTR 0 0 2,570
TARGA RES CORP COM 87612G101 215,859 1,240 SH OTR 0 0 1,240
TESLA INC COM 88160R101 300,189 945 SH OTR 0 0 945
THE CIGNA GROUP COM 125523100 308,431 933 SH OTR 0 0 933
UNUM GROUP COM 91529Y106 510,645 6,323 SH OTR 0 0 6,323
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,026,836 3,682 SH OTR 0 0 3,682
VANGUARD INDEX FDS VALUE ETF 922908744 3,942,804 22,309 SH OTR 0 0 22,309
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,986,416 9,826 SH OTR 0 0 9,826
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,510,253 78,109 SH OTR 0 0 78,109
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,079,900 20,921 SH OTR 0 0 20,921
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 306,736 540 SH OTR 0 0 540
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,144,938 12,856 SH OTR 0 0 12,856
VANGUARD INDEX FDS MID CAP ETF 922908629 14,621,728 52,252 SH OTR 0 0 52,252
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,603,485 9,750 SH OTR 0 0 9,750
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 705,287 2,480 SH OTR 0 0 2,480
VANGUARD INDEX FDS GROWTH ETF 922908736 19,015,512 43,375 SH OTR 0 0 43,375
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,133,425 22,916 SH OTR 0 0 22,916
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 945,838 19,291 SH OTR 0 0 19,291
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 20,107,112 98,242 SH OTR 0 0 98,242
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,742,528 39,695 SH OTR 0 0 39,695
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 39,028,904 684,598 SH OTR 0 0 684,598
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 883,213 11,025 SH OTR 0 0 11,025
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,238,599 13,744 SH OTR 0 0 13,744
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 218,455 780 SH OTR 0 0 780
VERIZON COMMUNICATIONS INC COM 92343V104 383,275 8,858 SH OTR 0 0 8,858
VISA INC COM CL A 92826C839 3,640,813 10,254 SH OTR 0 0 10,254
WALMART INC COM 931142103 243,897 2,494 SH OTR 0 0 2,494
WISDOMTREE TR US QTLY DIV GRT 97717X669 5,506,281 65,754 SH OTR 0 0 65,754
WP CAREY INC COM 92936U109 568,906 9,120 SH OTR 0 0 9,120