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 139,138 1,023 SH OTR 0 0 1,023
ABBOTT LABS COM 002824100 122,137 898 SH SOLE 0 0 898
ABBVIE INC COM 00287Y109 276,388 1,489 SH OTR 0 0 1,489
ABBVIE INC COM 00287Y109 170,890 921 SH SOLE 0 0 921
ALPHABET INC CAP STK CL C 02079K107 351,232 1,980 SH SOLE 0 0 1,980
ALPHABET INC CAP STK CL A 02079K305 1,109,015 6,293 SH SOLE 0 0 6,293
ALPHABET INC CAP STK CL C 02079K107 23,061 130 SH OTR 0 0 130
ALPHABET INC CAP STK CL A 02079K305 229,627 1,303 SH OTR 0 0 1,303
ALTRIA GROUP INC COM 02209S103 156,249 2,665 SH OTR 0 0 2,665
ALTRIA GROUP INC COM 02209S103 85,776 1,463 SH SOLE 0 0 1,463
AMAZON COM INC COM 023135106 1,690,181 7,704 SH SOLE 0 0 7,704
AMAZON COM INC COM 023135106 63,842 291 SH OTR 0 0 291
AMERICAN ELEC PWR CO INC COM 025537101 220,179 2,122 SH SOLE 0 0 2,122
AMERICAN ELEC PWR CO INC COM 025537101 119,843 1,155 SH OTR 0 0 1,155
AMERICAN EXPRESS CO COM 025816109 235,160 737 SH SOLE 0 0 737
APPLE INC COM 037833100 8,000,385 38,994 SH SOLE 0 0 38,994
ARK ETF TR NEXT GNRTN INTER 00214Q401 244,758 1,658 SH SOLE 0 0 1,658
AT&T INC COM 00206R102 247,553 8,554 SH OTR 0 0 8,554
AT&T INC COM 00206R102 610,061 21,080 SH SOLE 0 0 21,080
AUTOMATIC DATA PROCESSING IN COM 053015103 128,911 418 SH OTR 0 0 418
AUTOMATIC DATA PROCESSING IN COM 053015103 322,278 1,045 SH SOLE 0 0 1,045
AUTOZONE INC COM 053332102 371,223 100 SH SOLE 0 0 100
BANK AMERICA CORP COM 060505104 114,967 2,430 SH SOLE 0 0 2,430
BANK AMERICA CORP COM 060505104 203,145 4,293 SH OTR 0 0 4,293
BANK NEW YORK MELLON CORP COM 064058100 222,217 2,439 SH OTR 0 0 2,439
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 535,804 1,103 SH SOLE 0 0 1,103
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 148,831 4,183 SH SOLE 0 0 4,183
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 120,766 4,186 SH SOLE 0 0 4,186
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 366,516 6,730 SH SOLE 0 0 6,730
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 469,763 13,203 SH OTR 0 0 13,203
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 262,708 9,106 SH OTR 0 0 9,106
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 1,708,029 31,363 SH OTR 0 0 31,363
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 87,503 1,656 SH SOLE 0 0 1,656
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 346,525 6,558 SH OTR 0 0 6,558
BLACKROCK INC COM 09290D101 354,647 338 SH OTR 0 0 338
BLACKROCK INC COM 09290D101 321,071 306 SH SOLE 0 0 306
BLACKSTONE INC COM 09260D107 298,861 1,998 SH SOLE 0 0 1,998
BRISTOL-MYERS SQUIBB CO COM 110122108 818,267 17,677 SH SOLE 0 0 17,677
BROADCOM INC COM 11135F101 231,822 841 SH OTR 0 0 841
BROADCOM INC COM 11135F101 55,130 200 SH SOLE 0 0 200
CAPITAL ONE FINL CORP COM 14040H105 211,639 995 SH SOLE 0 0 995
CATERPILLAR INC COM 149123101 522,142 1,345 SH SOLE 0 0 1,345
CATERPILLAR INC COM 149123101 293,486 756 SH OTR 0 0 756
CHEVRON CORP NEW COM 166764100 416,600 2,909 SH SOLE 0 0 2,909
CHEVRON CORP NEW COM 166764100 8,305 58 SH OTR 0 0 58
CIPHER MINING INC COM 17253J106 55,305 11,570 SH SOLE 0 0 11,570
CISCO SYS INC COM 17275R102 373,264 5,380 SH SOLE 0 0 5,380
CISCO SYS INC COM 17275R102 377,566 5,442 SH OTR 0 0 5,442
CITIGROUP INC COM NEW 172967424 117,976 1,386 SH OTR 0 0 1,386
CITIGROUP INC COM NEW 172967424 104,319 1,226 SH SOLE 0 0 1,226
COCA COLA CO COM 191216100 230,928 3,264 SH OTR 0 0 3,264
COCA COLA CO COM 191216100 1,313,626 18,567 SH SOLE 0 0 18,567
CONOCOPHILLIPS COM 20825C104 28,717 320 SH SOLE 0 0 320
CONOCOPHILLIPS COM 20825C104 222,465 2,479 SH OTR 0 0 2,479
ELI LILLY & CO COM 532457108 392,104 503 SH SOLE 0 0 503
ELI LILLY & CO COM 532457108 31,181 40 SH OTR 0 0 40
EXXON MOBIL CORP COM 30231G102 3,382,240 31,375 SH SOLE 0 0 31,375
EXXON MOBIL CORP COM 30231G102 378,917 3,515 SH OTR 0 0 3,515
GALLAGHER ARTHUR J & CO COM 363576109 292,910 915 SH OTR 0 0 915
GE AEROSPACE COM NEW 369604301 390,491 1,517 SH SOLE 0 0 1,517
GOLDMAN SACHS GROUP INC COM 38141G104 441,293 624 SH SOLE 0 0 624
HOME DEPOT INC COM 437076102 336,942 919 SH OTR 0 0 919
HOME DEPOT INC COM 437076102 403,408 1,100 SH SOLE 0 0 1,100
ILLINOIS TOOL WKS INC COM 452308109 359,007 1,452 SH SOLE 0 0 1,452
INTEL CORP COM 458140100 215,218 9,608 SH SOLE 0 0 9,608
INTERNATIONAL BUSINESS MACHS COM 459200101 244,373 829 SH OTR 0 0 829
INTERNATIONAL BUSINESS MACHS COM 459200101 326,616 1,108 SH SOLE 0 0 1,108
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 392,601 6,414 SH SOLE 0 0 6,414
ISHARES GOLD TR ISHARES NEW 464285204 91,046 1,460 SH SOLE 0 0 1,460
ISHARES GOLD TR ISHARES NEW 464285204 400,850 6,428 SH OTR 0 0 6,428
ISHARES INC CORE MSCI EMKT 46434G103 220,130 3,667 SH SOLE 0 0 3,667
ISHARES INC MSCI EMRG CHN 46434G764 21,657 343 SH SOLE 0 0 343
ISHARES INC ESG AWR MSCI EM 46434G863 1,136 29 SH SOLE 0 0 29
ISHARES INC MSCI EMRG CHN 46434G764 691,383 10,950 SH OTR 0 0 10,950
ISHARES INC ESG AWR MSCI EM 46434G863 227,421 5,806 SH OTR 0 0 5,806
ISHARES INC CORE MSCI EMKT 46434G103 1,253,186 20,876 SH OTR 0 0 20,876
ISHARES TR S&P 500 VAL ETF 464287408 1,809,511 9,260 SH SOLE 0 0 9,260
ISHARES TR S&P 100 ETF 464287101 614,787 2,020 SH SOLE 0 0 2,020
ISHARES TR U.S. TECH ETF 464287721 533,733 3,080 SH SOLE 0 0 3,080
ISHARES TR EAFE VALUE ETF 464288877 377,833 5,952 SH SOLE 0 0 5,952
ISHARES TR CORE MSCI EAFE 46432F842 1,202,029 14,399 SH SOLE 0 0 14,399
ISHARES TR RUS 1000 VAL ETF 464287598 2,039,998 10,503 SH SOLE 0 0 10,503
ISHARES TR MBS ETF 464288588 31,641 337 SH SOLE 0 0 337
ISHARES TR CORE S&P MCP ETF 464287507 157,593 2,541 SH SOLE 0 0 2,541
ISHARES TR MSCI EMG MKT ETF 464287234 2,508 52 SH SOLE 0 0 52
ISHARES TR 10-20 YR TRS ETF 464288653 194,158 1,911 SH SOLE 0 0 1,911
ISHARES TR CORE US AGGBD ET 464287226 346,208 3,490 SH SOLE 0 0 3,490
ISHARES TR NATIONAL MUN ETF 464288414 40,016 383 SH SOLE 0 0 383
ISHARES TR CORE TOTAL USD 46434V613 209,884 4,540 SH SOLE 0 0 4,540
ISHARES TR EAFE GRWTH ETF 464288885 163,296 1,458 SH SOLE 0 0 1,458
ISHARES TR MSCI USA VALUE 46432F388 13,491 119 SH SOLE 0 0 119
ISHARES TR MSCI USA QLT FCT 46432F339 420,486 2,300 SH SOLE 0 0 2,300
ISHARES TR RUSSELL 3000 ETF 464287689 650,879 1,854 SH SOLE 0 0 1,854
ISHARES TR CORE DIV GRWTH 46434V621 620,026 9,697 SH SOLE 0 0 9,697
ISHARES TR ESG AWR MSCI USA 46435G425 45,731 338 SH SOLE 0 0 338
ISHARES TR CORE S&P500 ETF 464287200 525,281 846 SH SOLE 0 0 846
ISHARES TR MSCI INTL VLU FT 46435G409 14,044 427 SH SOLE 0 0 427
ISHARES TR MSCI USA MIN VOL 46429B697 14,738 157 SH SOLE 0 0 157
ISHARES TR CORE S&P SCP ETF 464287804 389,400 3,563 SH SOLE 0 0 3,563
ISHARES TR RUS 1000 GRW ETF 464287614 4,449,197 10,479 SH SOLE 0 0 10,479
ISHARES TR MSCI USA MMENTM 46432F396 75,220 313 SH SOLE 0 0 313
ISHARES TR SELECT DIVID ETF 464287168 824,352 6,207 SH SOLE 0 0 6,207
ISHARES TR RUS 2000 VAL ETF 464287630 298,166 1,890 SH SOLE 0 0 1,890
ISHARES TR CORE INTL AGGR 46435G672 72,292 1,415 SH SOLE 0 0 1,415
ISHARES TR S&P 500 GRWT ETF 464287309 5,789,350 52,583 SH SOLE 0 0 52,583
ISHARES TR MSCI USA MIN VOL 46429B697 728,994 7,766 SH OTR 0 0 7,766
ISHARES TR MSCI USA VALUE 46432F388 275,327 2,432 SH OTR 0 0 2,432
ISHARES TR S&P 100 ETF 464287101 7,280,356 23,921 SH OTR 0 0 23,921
ISHARES TR CORE MSCI EAFE 46432F842 47,667 571 SH OTR 0 0 571
ISHARES TR CORE S&P500 ETF 464287200 5,977,404 9,627 SH OTR 0 0 9,627
ISHARES TR CORE S&P MCP ETF 464287507 210,248 3,390 SH OTR 0 0 3,390
ISHARES TR CORE INTL AGGR 46435G672 261,581 5,120 SH OTR 0 0 5,120
ISHARES TR RUS 1000 GRW ETF 464287614 650,032 1,531 SH OTR 0 0 1,531
ISHARES TR EAFE VALUE ETF 464288877 3,374,660 53,161 SH OTR 0 0 53,161
ISHARES TR S&P 500 VAL ETF 464287408 3,421,701 17,509 SH OTR 0 0 17,509
ISHARES TR RUSSELL 3000 ETF 464287689 202,527 577 SH OTR 0 0 577
ISHARES TR ESG MSCI LEADR 46435U218 7,388,712 68,193 SH OTR 0 0 68,193
ISHARES TR CORE US AGGBD ET 464287226 17,757 179 SH OTR 0 0 179
ISHARES TR EAFE GRWTH ETF 464288885 3,359,776 29,998 SH OTR 0 0 29,998
ISHARES TR MSCI USA MMENTM 46432F396 652,469 2,715 SH OTR 0 0 2,715
ISHARES TR S&P 500 GRWT ETF 464287309 7,372,522 66,962 SH OTR 0 0 66,962
ISHARES TR CORE S&P SCP ETF 464287804 216,722 1,983 SH OTR 0 0 1,983
ISHARES TR NATIONAL MUN ETF 464288414 864,154 8,271 SH OTR 0 0 8,271
ISHARES TR MSCI USA QLT FCT 46432F339 2,240,459 12,255 SH OTR 0 0 12,255
ISHARES TR ESG AWR MSCI USA 46435G425 1,145,720 8,468 SH OTR 0 0 8,468
ISHARES TR U.S. TECH ETF 464287721 2,404,295 13,876 SH OTR 0 0 13,876
ISHARES TR MBS ETF 464288588 491,702 5,237 SH OTR 0 0 5,237
ISHARES TR RUS 2000 VAL ETF 464287630 9,466 60 SH OTR 0 0 60
ISHARES TR CORE S&P TTL STK 464287150 528,952 3,917 SH OTR 0 0 3,917
ISHARES TR MSCI INTL VLU FT 46435G409 1,284,453 39,053 SH OTR 0 0 39,053
ISHARES TR 10-20 YR TRS ETF 464288653 781,812 7,695 SH OTR 0 0 7,695
ISHARES TR MSCI EMG MKT ETF 464287234 602,276 12,485 SH OTR 0 0 12,485
ISHARES TR CORE TOTAL USD 46434V613 1,993,484 43,121 SH OTR 0 0 43,121
ISHARES TR EUROPE ETF 464287861 297,844 4,709 SH OTR 0 0 4,709
ISHARES TR RUS 1000 VAL ETF 464287598 2,214,416 11,401 SH OTR 0 0 11,401
ISHARES TR CORE S&P TTL STK 464287150 269,000 1,992 SH SOLE 0 0 1,992
JOHNSON & JOHNSON COM 478160104 1,092,635 7,153 SH SOLE 0 0 7,153
JOHNSON & JOHNSON COM 478160104 305,347 1,999 SH OTR 0 0 1,999
JOHNSON CTLS INTL PLC SHS G51502105 214,514 2,031 SH OTR 0 0 2,031
JPMORGAN CHASE & CO. COM 46625H100 766,812 2,645 SH OTR 0 0 2,645
JPMORGAN CHASE & CO. COM 46625H100 1,727,593 5,959 SH SOLE 0 0 5,959
KIMBERLY-CLARK CORP COM 494368103 412,140 3,197 SH SOLE 0 0 3,197
KIMBERLY-CLARK CORP COM 494368103 8,122 63 SH OTR 0 0 63
KINDER MORGAN INC DEL COM 49456B101 246,813 8,395 SH OTR 0 0 8,395
KROGER CO COM 501044101 1,732,828 24,158 SH SOLE 0 0 24,158
LOCKHEED MARTIN CORP COM 539830109 146,352 316 SH OTR 0 0 316
LOCKHEED MARTIN CORP COM 539830109 1,470,006 3,174 SH SOLE 0 0 3,174
MCDONALDS CORP COM 580135101 220,588 755 SH OTR 0 0 755
MCDONALDS CORP COM 580135101 770,235 2,636 SH SOLE 0 0 2,636
MERCK & CO INC COM 58933Y105 5,654,345 71,429 SH SOLE 0 0 71,429
MERCK & CO INC COM 58933Y105 154,678 1,954 SH OTR 0 0 1,954
META PLATFORMS INC CL A 30303M102 1,214,170 1,645 SH SOLE 0 0 1,645
META PLATFORMS INC CL A 30303M102 14,762 20 SH OTR 0 0 20
METLIFE INC COM 59156R108 292,729 3,640 SH OTR 0 0 3,640
MICROSOFT CORP COM 594918104 7,142,203 14,359 SH SOLE 0 0 14,359
MICROSOFT CORP COM 594918104 481,493 968 SH OTR 0 0 968
MID-AMER APT CMNTYS INC COM 59522J103 526,973 3,560 SH SOLE 0 0 3,560
MID-AMER APT CMNTYS INC COM 59522J103 24,126 163 SH OTR 0 0 163
MORGAN STANLEY COM NEW 617446448 1,327,659 9,425 SH SOLE 0 0 9,425
NEXTERA ENERGY INC COM 65339F101 723,148 10,417 SH SOLE 0 0 10,417
NORFOLK SOUTHN CORP COM 655844108 366,951 1,434 SH SOLE 0 0 1,434
NORFOLK SOUTHN CORP COM 655844108 62,457 244 SH OTR 0 0 244
NVIDIA CORPORATION COM 67066G104 2,247,740 14,227 SH SOLE 0 0 14,227
NVIDIA CORPORATION COM 67066G104 92,424 585 SH OTR 0 0 585
ORACLE CORP COM 68389X105 295,588 1,352 SH SOLE 0 0 1,352
PARKER-HANNIFIN CORP COM 701094104 411,399 589 SH OTR 0 0 589
PAYPAL HLDGS INC COM 70450Y103 221,771 2,984 SH SOLE 0 0 2,984
PHILIP MORRIS INTL INC COM 718172109 324,374 1,781 SH SOLE 0 0 1,781
PHILIP MORRIS INTL INC COM 718172109 452,957 2,487 SH OTR 0 0 2,487
PROCTER AND GAMBLE CO COM 742718109 394,636 2,477 SH OTR 0 0 2,477
PROCTER AND GAMBLE CO COM 742718109 572,863 3,596 SH SOLE 0 0 3,596
PRUDENTIAL FINL INC COM 744320102 237,550 2,211 SH OTR 0 0 2,211
PRUDENTIAL FINL INC COM 744320102 19,339 180 SH SOLE 0 0 180
QUALCOMM INC COM 747525103 83,293 523 SH SOLE 0 0 523
QUALCOMM INC COM 747525103 218,345 1,371 SH OTR 0 0 1,371
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 103,976 4,474 SH SOLE 0 0 4,474
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 996,918 37,620 SH SOLE 0 0 37,620
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,138,783 49,001 SH OTR 0 0 49,001
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 76,559 2,889 SH OTR 0 0 2,889
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 212,570 4,059 SH SOLE 0 0 4,059
SHELL PLC SPON ADS 780259305 687,483 9,764 SH SOLE 0 0 9,764
SOUTHERN CO COM 842587107 281,918 3,070 SH OTR 0 0 3,070
SOUTHERN CO COM 842587107 453,348 4,937 SH SOLE 0 0 4,937
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 407,601 925 SH SOLE 0 0 925
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,512,989 5,686 SH SOLE 0 0 5,686
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,771,994 2,868 SH OTR 0 0 2,868
TESLA INC COM 88160R101 571,153 1,798 SH SOLE 0 0 1,798
TEXAS INSTRS INC COM 882508104 244,992 1,180 SH SOLE 0 0 1,180
VALLEY NATL BANCORP COM 919794107 119,117 13,339 SH SOLE 0 0 13,339
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 403,281 1,017 SH SOLE 0 0 1,017
VANGUARD INDEX FDS GROWTH ETF 922908736 360,898 823 SH SOLE 0 0 823
VANGUARD INDEX FDS TOTAL STK MKT 922908769 291,165 958 SH OTR 0 0 958
VANGUARD INDEX FDS GROWTH ETF 922908736 535,286 1,221 SH OTR 0 0 1,221
VANGUARD INDEX FDS TOTAL STK MKT 922908769 150,141 494 SH SOLE 0 0 494
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,830 37 SH OTR 0 0 37
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 219,480 2,832 SH OTR 0 0 2,832
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 220,642 4,461 SH SOLE 0 0 4,461
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,232,614 25,140 SH OTR 0 0 25,140
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 423,104 4,851 SH SOLE 0 0 4,851
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 386,744 1,377 SH OTR 0 0 1,377
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,515,457 22,062 SH SOLE 0 0 22,062
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 787,365 3,847 SH OTR 0 0 3,847
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 362,926 6,366 SH OTR 0 0 6,366
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 577,723 10,134 SH SOLE 0 0 10,134
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,534,309 11,509 SH SOLE 0 0 11,509
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 96,250 722 SH OTR 0 0 722
VANGUARD WORLD FD INF TECH ETF 92204A702 1,710,702 2,579 SH SOLE 0 0 2,579
VANGUARD WORLD FD INF TECH ETF 92204A702 474,245 715 SH OTR 0 0 715
VERIZON COMMUNICATIONS INC COM 92343V104 259,533 5,998 SH OTR 0 0 5,998
VERIZON COMMUNICATIONS INC COM 92343V104 401,461 9,278 SH SOLE 0 0 9,278
WALMART INC COM 931142103 372,835 3,813 SH OTR 0 0 3,813
WALMART INC COM 931142103 926,496 9,475 SH SOLE 0 0 9,475