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 665,722 6,736 SH OTR 6,736 0 0
ABBOTT LABORATORIES COM 002824100 290,857 2,943 SH SOLE 2,943 0 0
ABBVIE INC COM 00287Y109 1,616,761 6,181 SH OTR 6,181 0 0
ABBVIE INC COM 00287Y109 548,554 2,097 SH SOLE 2,097 0 0
ALPHABET INC CAP STK CL A 02079K305 206,448 600 SH OTR 600 0 0
ALPHABET INC CAP STK CL A 02079K305 634,484 1,844 SH SOLE 1,844 0 0
ALPHABET INC CAP STK CL C 02079K107 623,213 1,829 SH OTR 1,829 0 0
ALTRIA GROUP INC COM 02209S103 585,858 8,700 SH OTR 8,700 0 0
ALTRIA GROUP INC COM 02209S103 134,680 2,000 SH SOLE 2,000 0 0
ARK ETF TR INNOVATION ETF 00214Q104 767,597 8,615 SH OTR 8,615 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,735,025 5 SH OTR 5 0 0
BHP BILLITON LIMITED SPONSORED ADS 088606108 2,857,989 33,687 SH OTR 33,687 0 0
BLACKROCK INC COM 09290D101 257,164 243 SH SOLE 243 0 0
BLACKROCK INC COM 09290D101 1,693,264 1,600 SH OTR 1,600 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,853,717 29,707 SH OTR 29,707 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 215,342 3,451 SH SOLE 3,451 0 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105 575,037 12,899 SH OTR 12,899 0 0
BROOKFIELD CORP CL A LTD VT SH 11271J107 2,802,534 76,866 SH OTR 76,866 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 329,160 6,000 SH OTR 6,000 0 0
CATERPILLAR INC COM 149123101 541,608 668 SH SOLE 668 0 0
CATERPILLAR INC COM 149123101 1,040,775 1,284 SH OTR 1,284 0 0
CHEVRON CORPORATION COM 166764100 244,848 1,199 SH SOLE 1,199 0 0
CHEVRON CORPORATION COM 166764100 480,710 2,354 SH OTR 2,354 0 0
CISCO SYS INC COM 17275R102 382,911 3,558 SH SOLE 3,558 0 0
CISCO SYS INC COM 17275R102 1,950,040 18,118 SH OTR 18,118 0 0
COCA COLA CO COM 191216100 407,417 4,733 SH SOLE 4,733 0 0
COCA COLA CO COM 191216100 798,736 9,279 SH OTR 9,279 0 0
COLGATE PALMOLIVE CO COM 194162103 197,857 2,319 SH SOLE 2,319 0 0
COLGATE PALMOLIVE CO COM 194162103 435,132 5,100 SH OTR 5,100 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 266,730 293 SH SOLE 293 0 0
CVS HEALTH CORP COM 126650100 210,112 2,452 SH SOLE 2,452 0 0
CVS HEALTH CORP COM 126650100 6,855,200 80,000 SH OTR 80,000 0 0
DATADOG INC CL A COM 23804L103 443,911 1,621 SH SOLE 1,621 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 449,267 6,762 SH OTR 6,762 0 0
DISNEY WALT CO COM 254687106 207,807 1,981 SH SOLE 1,981 0 0
DOORDASH INC CL A 25809K105 222,830 1,214 SH SOLE 1,214 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 213,655 1,874 SH SOLE 1,874 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 379,995 3,333 SH OTR 3,333 0 0
ELI LILLY & CO COM 532457108 541,513 468 SH OTR 468 0 0
ELI LILLY & CO COM 532457108 352,909 305 SH SOLE 305 0 0
EMERSON ELEC CO COM 291011104 293,294 1,891 SH SOLE 1,891 0 0
EMERSON ELEC CO COM 291011104 951,573 6,135 SH OTR 6,135 0 0
GE AEROSPACE COM NEW 369604301 104,929 336 SH OTR 336 0 0
GE AEROSPACE COM NEW 369604301 140,531 450 SH SOLE 450 0 0
GILEAD SCIENCES INC COM 375558103 327,165 2,195 SH SOLE 2,195 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 471,789 524 SH SOLE 524 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 765,356 3,480 SH OTR 3,480 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 358,926 1,632 SH SOLE 1,632 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,074,367 9,972 SH OTR 9,972 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 233,499 6,565 SH OTR 6,565 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,694,717 27,815 SH OTR 27,815 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,944,869 20,474 SH SOLE 20,474 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 6,067,201 63,872 SH OTR 63,872 0 0
ISHARES TR CORE S&P MCP ETF 464287507 15,086,584 209,682 SH OTR 209,682 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,607,644 48,571 SH SOLE 48,571 0 0
ISHARES TR CORE S&P SCP ETF 464287804 71,643,070 526,632 SH OTR 526,632 0 0
ISHARES TR CORE S&P500 ETF 464287200 551,412 720 SH OTR 720 0 0
ISHARES TR EAFE SML CP ETF 464288273 817,186 9,680 SH OTR 9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 3,821,085 24,068 SH OTR 24,068 0 0
ISHARES TR MSCI ACWI EX US 464288240 841,225 11,124 SH SOLE 11,124 0 0
ISHARES TR MSCI ACWI EX US 464288240 4,141,590 54,768 SH OTR 54,768 0 0
ISHARES TR MSCI EAFE ETF 464287465 374,004 3,600 SH SOLE 3,600 0 0
ISHARES TR MSCI EAFE ETF 464287465 12,659,106 121,851 SH OTR 121,851 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,370,998 20,527 SH OTR 20,527 0 0
ISHARES TR RUS 1000 ETF 464287622 14,886,091 35,773 SH SOLE 35,773 0 0
ISHARES TR RUS 1000 ETF 464287622 24,938,435 59,929 SH OTR 59,929 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 8,195,010 65,424 SH OTR 65,424 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,866,875 14,904 SH SOLE 14,904 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,814,305 19,418 SH OTR 19,418 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 4,092,623 11,467 SH OTR 11,467 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,777,183 8,485 SH OTR 8,485 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,777,806 16,660 SH OTR 16,660 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,606,016 23,772 SH OTR 23,772 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,129,902 7,665 SH SOLE 7,665 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 8,879,946 20,572 SH OTR 20,572 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 518,835 1,202 SH SOLE 1,202 0 0
ISHARES TR S&P 100 ETF 464287101 3,583,910 9,380 SH OTR 9,380 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 4,765,710 33,500 SH OTR 33,500 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,611,841 12,583 SH SOLE 12,583 0 0
ISHARES TR SP SMCP600VL ETF 464287879 943,609 7,366 SH OTR 7,366 0 0
ISHARES TR U.S. TECH ETF 464287721 341,721 1,290 SH OTR 1,290 0 0
JOHNSON & JOHNSON COM 478160104 235,883 891 SH OTR 891 0 0
JOHNSON & JOHNSON COM 478160104 307,098 1,160 SH SOLE 1,160 0 0
JPMORGAN CHASE & CO COM 46625H100 377,477 1,141 SH SOLE 1,141 0 0
JPMORGAN CHASE & CO COM 46625H100 6,304,296 19,056 SH OTR 19,056 0 0
KIMBERLY-CLARK CORP COM 494368103 397,514 4,080 SH OTR 4,080 0 0
KIMBERLY-CLARK CORP COM 494368103 58,458 600 SH SOLE 600 0 0
LOWES COS INC COM 548661107 2,135,921 11,590 SH OTR 11,590 0 0
MARATHON PETE CORP COM 56585A102 466,991 1,181 SH SOLE 1,181 0 0
MCDONALDS CORP COM 580135101 415,692 1,800 SH OTR 1,800 0 0
MERCK & CO INC COM 58933Y105 712,019 4,900 SH SOLE 4,900 0 0
MERCK & CO INC COM 58933Y105 1,679,348 11,557 SH OTR 11,557 0 0
META PLATFORMS INC CL A 30303M102 395,223 545 SH SOLE 545 0 0
METLIFE INC COM 59156R108 258,187 2,742 SH SOLE 2,742 0 0
MICRON TECHNOLOGY INC COM 595112103 2,445,493 2,296 SH SOLE 2,296 0 0
MICROSOFT CORP COM 594918104 369,288 720 SH SOLE 720 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 320,652 719 SH OTR 719 0 0
NEXTERA ENERGY INC COM 65339F101 219,495 2,898 SH SOLE 2,898 0 0
NEXTERA ENERGY INC COM 65339F101 1,242,136 16,400 SH OTR 16,400 0 0
NIKE INC CL B 654106103 55,118 1,557 SH SOLE 1,557 0 0
NIKE INC CL B 654106103 481,794 13,610 SH OTR 13,610 0 0
NVIDIA CORPORATION COM 67066G104 2,512,180 11,000 SH OTR 11,000 0 0
NVIDIA CORPORATION COM 67066G104 914,026 4,002 SH SOLE 4,002 0 0
ORACLE CORP COM 68389X105 237,117 1,727 SH SOLE 1,727 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 238,294 2,790 SH SOLE 2,790 0 0
PEPSICO INC COM 713448108 133,183 1,051 SH SOLE 1,051 0 0
PEPSICO INC COM 713448108 418,176 3,300 SH OTR 3,300 0 0
PFIZER INC COM 717081103 1,529,014 53,612 SH OTR 53,612 0 0
PHILIP MORRIS INTL INC COM 718172109 3,148,530 16,500 SH OTR 16,500 0 0
PROCTER & GAMBLE CO COM 742718109 552,355 3,802 SH OTR 3,802 0 0
PROCTER & GAMBLE CO COM 742718109 174,481 1,201 SH SOLE 1,201 0 0
PROGRESSIVE CORP COM 743315103 2,987,959 14,413 SH OTR 14,413 0 0
PRUDENTIAL FINL INC COM 744320102 200,469 1,765 SH SOLE 1,765 0 0
PRUDENTIAL FINL INC COM 744320102 226,467 1,994 SH OTR 1,994 0 0
RTX CORPORATION COM 75513E101 1,113,900 6,000 SH OTR 6,000 0 0
RTX CORPORATION COM 75513E101 770,261 4,149 SH SOLE 4,149 0 0
SBA COMMUNICATIONS CORP CL A 78410G104 1,716,486 10,720 SH OTR 10,720 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,569,201 180,225 SH OTR 180,225 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,860,700 51,048 SH SOLE 51,048 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,882,717 104,941 SH OTR 104,941 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,975,917 79,934 SH OTR 79,934 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 583,798 11,737 SH SOLE 11,737 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,965,930 365,531 SH SOLE 365,531 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 28,890,240 963,008 SH OTR 963,008 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,603,210 76,520 SH SOLE 76,520 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,565,839 46,027 SH OTR 46,027 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,731,702 298,244 SH OTR 298,244 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,733,385 175,709 SH SOLE 175,709 0 0
SOUTHERN CO COM 842587107 290,115 3,500 SH OTR 3,500 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 10,603,599 13,904 SH SOLE 13,904 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 101,579,488 133,196 SH OTR 133,196 0 0
SUN LIFE FINANCIAL INC. COM 866796105 263,928 3,385 SH OTR 3,385 0 0
TARGET CORP COM 87612E106 626,760 4,000 SH OTR 4,000 0 0
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 1,902,752 21,128 SH OTR 21,128 0 0
TEXAS INSTRS INC COM 882508104 309,219 1,104 SH SOLE 1,104 0 0
TEXAS INSTRS INC COM 882508104 120,999 432 SH OTR 432 0 0
TJX COS INC NEW COM 872540109 261,048 1,973 SH SOLE 1,973 0 0
UNION PAC CORP COM 907818108 4,107,258 15,093 SH SOLE 15,093 0 0
UNITEDHEALTH GROUP INC COM 91324P102 121,871 332 SH SOLE 332 0 0
UNITEDHEALTH GROUP INC COM 91324P102 91,036 248 SH OTR 248 0 0
VALENS SEMICONDUCTOR LTD ORDINARY SHARES M9607U115 67,285 35,790 SH SOLE 35,790 0 0
VALENS SEMICONDUCTOR LTD ORDINARY SHARES M9607U115 43,210 22,984 SH OTR 22,984 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 1,695,406 12,290 SH SOLE 12,290 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,793,000 16,300 SH SOLE 16,300 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,450,868 47,363 SH OTR 47,363 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,598,154 17,736 SH OTR 17,736 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 8,773,616 97,366 SH SOLE 97,366 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 10,803,069 30,704 SH SOLE 30,704 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 14,743,756 41,904 SH OTR 41,904 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 1,110,180 3,801 SH SOLE 3,801 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 1,140,972 5,835 SH SOLE 5,835 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,471,020 31,510 SH OTR 31,510 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 1,232,369 3,648 SH SOLE 3,648 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 10,773,103 37,868 SH OTR 37,868 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,945,750 10,354 SH SOLE 10,354 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 1,145,727 4,959 SH SOLE 4,959 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 5,528,648 14,773 SH SOLE 14,773 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 84,380,269 225,471 SH OTR 225,471 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 9,431,824 43,650 SH SOLE 43,650 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,567,136 17,485 SH OTR 17,485 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 35,248,961 50,294 SH OTR 50,294 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,496,684 13,550 SH SOLE 13,550 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,885,533 119,146 SH SOLE 119,146 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 51,542,972 621,224 SH OTR 621,224 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,226,402 121,841 SH OTR 121,841 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,551,296 76,737 SH SOLE 76,737 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,392,956 8,972 SH SOLE 8,972 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,080,304 13,400 SH OTR 13,400 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 21,312,647 135,018 SH SOLE 135,018 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,792,270 17,689 SH OTR 17,689 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 6,645,169 59,205 SH OTR 59,205 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 752,425 3,225 SH OTR 3,225 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 85,847,841 1,010,450 SH OTR 1,010,450 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 21,593,926 254,166 SH SOLE 254,166 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 26,943,012 381,575 SH OTR 381,575 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,092,349 128,769 SH SOLE 128,769 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 235,680 5,138 SH OTR 5,138 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 223,066 4,863 SH SOLE 4,863 0 0
VISA INC COM CL A 92826C839 1,315,148 3,660 SH OTR 3,660 0 0
VISA INC COM CL A 92826C839 80,849 225 SH SOLE 225 0 0
WALMART INC COM 931142103 1,558,800 15,000 SH OTR 15,000 0 0
WALMART INC COM 931142103 354,471 3,411 SH SOLE 3,411 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 229,392 2,360 SH OTR 2,360 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 706,527 7,954 SH OTR 7,954 0 0