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 LABORATORIES COM 002824100 110,703 6,736 SH OTR 6,736 0 0
ABBOTT LABORATORIES COM 002824100 2,082,954 2,943 SH SOLE 2,943 0 0
ABBVIE INC COM 00287Y109 214,422 6,181 SH OTR 6,181 0 0
ABBVIE INC COM 00287Y109 658,990 2,097 SH SOLE 2,097 0 0
ALPHABET INC CAP STK CL A 02079K305 625,965 1,844 SH SOLE 1,844 0 0
ALPHABET INC CAP STK CL A 02079K305 646,241 600 SH OTR 600 0 0
ALTRIA GROUP INC COM 02209S103 292,682 8,700 SH OTR 8,700 0 0
ALTRIA GROUP INC COM 02209S103 208,024 2,000 SH SOLE 2,000 0 0
AMAZON COM INC COM 023135106 1,267,420 1,228 SH SOLE 1,228 0 0
AMGEN INC COM 031162100 271,709 649 SH SOLE 649 0 0
APPLE INC COM 037833100 1,030,170 939 SH SOLE 939 0 0
BANK OF AMER CORP COM 060505104 2,215,227 5,725 SH SOLE 5,725 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,273,993 5 SH OTR 5 0 0
BHP BILLITON LIMITED SPONSORED ADS 088606108 233,659 33,687 SH OTR 33,687 0 0
BLACKROCK INC COM 09290D101 1,711,717 1,600 SH OTR 1,600 0 0
BLACKROCK INC COM 09290D101 198,847 243 SH SOLE 243 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 578,520 29,707 SH OTR 29,707 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,273,723 3,451 SH SOLE 3,451 0 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105 440,100 12,899 SH OTR 12,899 0 0
BROOKFIELD CORP CL A LTD VT SH 11271J107 1,366,965 76,866 SH OTR 76,866 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 711,353 6,000 SH OTR 6,000 0 0
CATERPILLAR INC COM 149123101 390,199 1,284 SH OTR 1,284 0 0
CATERPILLAR INC COM 149123101 198,746 668 SH SOLE 668 0 0
CHEVRON CORPORATION COM 166764100 417,869 1,199 SH SOLE 1,199 0 0
CHEVRON CORPORATION COM 166764100 2,128,140 2,354 SH OTR 2,354 0 0
CISCO SYS INC COM 17275R102 754,104 18,118 SH OTR 18,118 0 0
CISCO SYS INC COM 17275R102 384,651 3,558 SH SOLE 3,558 0 0
COCA COLA CO COM 191216100 467,568 9,279 SH OTR 9,279 0 0
COCA COLA CO COM 191216100 212,606 4,733 SH SOLE 4,733 0 0
COLGATE PALMOLIVE CO COM 194162103 274,093 5,100 SH OTR 5,100 0 0
COLGATE PALMOLIVE CO COM 194162103 8,276,000 2,319 SH SOLE 2,319 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 253,659 293 SH SOLE 293 0 0
CVS HEALTH CORP COM 126650100 472,664 2,452 SH SOLE 2,452 0 0
CVS HEALTH CORP COM 126650100 422,044 80,000 SH OTR 80,000 0 0
DATADOG INC CL A COM 23804L103 224,019 1,621 SH SOLE 1,621 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 421,891 6,762 SH OTR 6,762 0 0
DOORDASH INC CL A 25809K105 237,211 1,214 SH SOLE 1,214 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 270,697 1,874 SH SOLE 1,874 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 878,257 3,333 SH OTR 3,333 0 0
ELI LILLY & CO COM 532457108 2,555,479 468 SH OTR 468 0 0
ELI LILLY & CO COM 532457108 301,946 305 SH SOLE 305 0 0
EMERSON ELEC CO COM 291011104 5,440,802 1,891 SH SOLE 1,891 0 0
EMERSON ELEC CO COM 291011104 201,958 6,135 SH OTR 6,135 0 0
EXELON CORP COM 30161N101 400,453 4,332 SH SOLE 4,332 0 0
EXXON MOBIL CORP COM 30231G102 98,688 39,795 SH OTR 39,795 0 0
EXXON MOBIL CORP COM 30231G102 131,584 2,929 SH SOLE 2,929 0 0
GE AEROSPACE COM NEW 369604301 277,316 336 SH OTR 336 0 0
GE AEROSPACE COM NEW 369604301 529,958 450 SH SOLE 450 0 0
GE VERNOVA INC COM 36828A101 168,179 112 SH SOLE 112 0 0
GE VERNOVA INC COM 36828A101 125,573 84 SH OTR 84 0 0
GILEAD SCIENCES INC COM 375558103 978,611 2,195 SH SOLE 2,195 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 458,935 524 SH SOLE 524 0 0
INTEL CORP COM 458140100 2,686,373 22 SH SOLE 22 0 0
INTEL CORP COM 458140100 2,121,734 1,462 SH OTR 1,462 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,036 1,632 SH SOLE 1,632 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 204,078 3,480 SH OTR 3,480 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,095,944 9,972 SH OTR 9,972 0 0
ISHARES TR CORE MSCI EAFE 46432F842 228,432 27,815 SH OTR 27,815 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,725,651 63,872 SH OTR 63,872 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 16,707,741 20,474 SH SOLE 20,474 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,862,138 209,682 SH OTR 209,682 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,336,147 495,434 SH OTR 495,434 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,964,246 48,535 SH SOLE 48,535 0 0
ISHARES TR CORE S&P500 ETF 464287200 73,477,878 720 SH OTR 720 0 0
ISHARES TR EAFE SML CP ETF 464288273 24,555,845 9,680 SH OTR 9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 853,754 24,068 SH OTR 24,068 0 0
ISHARES TR MSCI ACWI EX US 464288240 373,968 11,217 SH SOLE 11,217 0 0
ISHARES TR MSCI ACWI EX US 464288240 12,657,887 55,004 SH OTR 55,004 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,436,200 3,600 SH SOLE 3,600 0 0
ISHARES TR MSCI EAFE ETF 464287465 796,374 121,851 SH OTR 121,851 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 14,648,918 20,994 SH OTR 20,994 0 0
ISHARES TR RUS 1000 ETF 464287622 8,123,698 59,965 SH OTR 59,965 0 0
ISHARES TR RUS 1000 ETF 464287622 1,850,630 35,773 SH SOLE 35,773 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,707,506 65,424 SH OTR 65,424 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 7,140,137 14,904 SH SOLE 14,904 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,052,074 19,418 SH OTR 19,418 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 8,771,739 11,467 SH OTR 11,467 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 511,873 8,485 SH OTR 8,485 0 0
ISHARES TR RUS MID CAP ETF 464287499 4,607,255 16,660 SH OTR 16,660 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 250,077 23,765 SH OTR 23,765 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,394,478 7,662 SH SOLE 7,662 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,431,861 1,200 SH SOLE 1,200 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,837,950 20,572 SH OTR 20,572 0 0
ISHARES TR S&P 100 ETF 464287101 1,006,618 9,380 SH OTR 9,380 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,719,540 33,500 SH OTR 33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 325,377 7,365 SH OTR 7,365 0 0
ISHARES TR SP SMCP600VL ETF 464287879 226,287 12,581 SH SOLE 12,581 0 0
ISHARES TR U.S. TECH ETF 464287721 294,605 1,290 SH OTR 1,290 0 0
JOHNSON & JOHNSON COM 478160104 6,467,386 891 SH OTR 891 0 0
JOHNSON & JOHNSON COM 478160104 373,484 1,160 SH SOLE 1,160 0 0
JPMORGAN CHASE & CO COM 46625H100 65,862 1,141 SH SOLE 1,141 0 0
JPMORGAN CHASE & CO COM 46625H100 465,425 19,758 SH OTR 19,758 0 0
KIMBERLY-CLARK CORP COM 494368103 561,333 4,240 SH OTR 4,240 0 0
KIMBERLY-CLARK CORP COM 494368103 365,826 600 SH SOLE 600 0 0
LOWES COS INC COM 548661107 486,558 11,590 SH OTR 11,590 0 0
MARATHON PETE CORP COM 56585A102 1,485,075 1,181 SH SOLE 1,181 0 0
MCDONALDS CORP COM 580135101 629,650 1,800 SH OTR 1,800 0 0
MERCK & CO INC COM 58933Y105 306,993 11,557 SH OTR 11,557 0 0
MERCK & CO INC COM 58933Y105 232,001 4,900 SH SOLE 4,900 0 0
META PLATFORMS INC CL A 30303M102 2,650,250 545 SH SOLE 545 0 0
METLIFE INC COM 59156R108 268,574 2,742 SH SOLE 2,742 0 0
MICRON TECHNOLOGY INC COM 595112103 298,594 2,296 SH SOLE 2,296 0 0
MICROSOFT CORP COM 594918104 1,439,428 720 SH SOLE 720 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 254,357 719 SH OTR 719 0 0
NEXTERA ENERGY INC COM 65339F101 558,691 16,400 SH OTR 16,400 0 0
NEXTERA ENERGY INC COM 65339F101 63,915 2,898 SH SOLE 2,898 0 0
NIKE INC CL B 654106103 2,612,000 13,610 SH OTR 13,610 0 0
NIKE INC CL B 654106103 2,200,990 1,557 SH SOLE 1,557 0 0
NVIDIA CORPORATION COM 67066G104 253,092 4,002 SH SOLE 4,002 0 0
NVIDIA CORPORATION COM 67066G104 256,931 11,000 SH OTR 11,000 0 0
ORACLE CORP COM 68389X105 446,820 1,727 SH SOLE 1,727 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 214,800 2,790 SH SOLE 2,790 0 0
PEPSICO INC COM 713448108 2,985,015 1,051 SH SOLE 1,051 0 0
PEPSICO INC COM 713448108 1,297,768 3,300 SH OTR 3,300 0 0
PFIZER INC COM 717081103 557,525 53,894 SH OTR 53,894 0 0
PHILIP MORRIS INTL INC COM 718172109 176,115 16,500 SH OTR 16,500 0 0
PROCTER & GAMBLE CO COM 742718109 3,148,520 3,802 SH OTR 3,802 0 0
PROCTER & GAMBLE CO COM 742718109 215,201 1,201 SH SOLE 1,201 0 0
PROGRESSIVE CORP COM 743315103 190,496 14,413 SH OTR 14,413 0 0
PRUDENTIAL FINL INC COM 744320102 203,158 1,994 SH OTR 1,994 0 0
PRUDENTIAL FINL INC COM 744320102 1,138,380 1,765 SH SOLE 1,765 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 408,489 1,244 SH SOLE 1,244 0 0
RTX CORPORATION COM 75513E101 378,701 6,000 SH OTR 6,000 0 0
RTX CORPORATION COM 75513E101 8,426,610 4,149 SH SOLE 4,149 0 0
SBA COMMUNICATIONS CORP CL A 78410G104 1,851,000 10,720 SH OTR 10,720 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,906,853 180,225 SH OTR 180,225 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,629,451 51,048 SH SOLE 51,048 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 564,784 104,941 SH OTR 104,941 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 8,662,632 11,737 SH SOLE 11,737 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 28,341,325 75,425 SH OTR 75,425 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,518,307 365,531 SH SOLE 365,531 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,094,945 963,008 SH OTR 963,008 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,775,556 46,027 SH OTR 46,027 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,544,678 76,520 SH SOLE 76,520 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 508,284 175,709 SH SOLE 175,709 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,803,688 298,244 SH OTR 298,244 0 0
SOUTHERN CO COM 842587107 12,520,433 3,500 SH OTR 3,500 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 764,692 113,031 SH OTR 113,031 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 787,892 17,790 SH SOLE 17,790 0 0
TARGET CORP COM 87612E106 329,069 4,000 SH OTR 4,000 0 0
TEXAS INSTRS INC COM 882508104 298,910 432 SH OTR 432 0 0
TEXAS INSTRS INC COM 882508104 4,105,296 1,104 SH SOLE 1,104 0 0
UNION PAC CORP COM 907818108 137,989 15,093 SH SOLE 15,093 0 0
VALENS SEMICONDUCTOR LTD ORDINARY SHARES M9607U115 49,943,409 35,790 SH SOLE 35,790 0 0
VALENS SEMICONDUCTOR LTD ORDINARY SHARES M9607U115 763,100 22,984 SH OTR 22,984 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 11,388,204 12,290 SH SOLE 12,290 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 3,201,504 16,300 SH SOLE 16,300 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,717,147 47,363 SH OTR 47,363 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 14,917,755 98,759 SH SOLE 98,759 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,632,742 17,718 SH OTR 17,718 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,164,150 22,439 SH SOLE 22,439 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,538,766 43,377 SH OTR 43,377 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,686,030 3,801 SH SOLE 3,801 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,188,671 5,835 SH SOLE 5,835 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,153,051 31,510 SH OTR 31,510 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 36,064,886 17,485 SH OTR 17,485 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,797,368 52,511 SH OTR 52,511 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,798,011 13,548 SH SOLE 13,548 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 19,068,697 4,959 SH SOLE 4,959 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,205,040 10,562 SH SOLE 10,562 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,334,036 37,570 SH OTR 37,570 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 81,590,903 3,648 SH SOLE 3,648 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 19,645,672 14,947 SH SOLE 14,947 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,471,848 225,410 SH OTR 225,410 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 205,899 44,121 SH SOLE 44,121 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,485,865 119,111 SH SOLE 119,111 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,136,563 596,339 SH OTR 596,339 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,526,216 114,194 SH OTR 114,194 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,507,059 83,495 SH SOLE 83,495 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 27,186,283 13,848 SH OTR 13,848 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,041,197 9,630 SH SOLE 9,630 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 217,543 125,172 SH SOLE 125,172 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 9,615,254 15,749 SH OTR 15,749 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 4,507,708 59,205 SH OTR 59,205 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,975,573 3,225 SH OTR 3,225 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 88,941,650 254,496 SH SOLE 254,496 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,688,148 954,391 SH OTR 954,391 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,816,252 381,562 SH OTR 381,562 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,983,836 126,894 SH SOLE 126,894 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 77,195 4,863 SH SOLE 4,863 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,255,709 5,138 SH OTR 5,138 0 0
VISA INC COM CL A 92826C839 1,698,900 3,660 SH OTR 3,660 0 0
VISA INC COM CL A 92826C839 386,330 225 SH SOLE 225 0 0
WALMART INC COM 931142103 227,315 15,000 SH OTR 15,000 0 0
WALMART INC COM 931142103 684,734 3,411 SH SOLE 3,411 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 5,966,973 2,360 SH OTR 2,360 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 6,028,856 7,954 SH OTR 7,954 0 0