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
AFLAC INC COMMON STOCK 001055102 229,821 2,056 SH SOLE 2,020 0 36
AT&T INC GLBL NT COMMON STOCK 00206R102 668,631 27,403 SH SOLE 26,182 0 1,221
ABBVIE INC SR NT COMMON STOCK 00287Y109 1,187,356 4,539 SH SOLE 4,262 0 277
ABERDEEN STANDARD BLMB ALLCMD MUTUAL FUND/STO 003261104 1,001,065 38,696 SH SOLE 38,696 0 0
ABERDEEN PHYSICAL GOLD SHS MUTUAL FUND/STO 00326A104 866,483 21,903 SH SOLE 21,903 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 1,615,048 2,640 SH SOLE 2,416 0 224
ALPHABET INC SR COMMON STOCK 02079K107 2,790,318 8,189 SH SOLE 7,823 0 366
ALPHABET INC SR COMMON STOCK 02079K305 4,633,839 13,467 SH SOLE 12,602 0 865
ALTRIA GROUP INC COMMON STOCK 02209S103 1,066,666 15,840 SH SOLE 15,643 0 197
AMAZON COM INC SR GLBL NT COMMON STOCK 023135106 4,185,546 16,799 SH SOLE 15,429 0 1,370
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 336,450 4,521 SH SOLE 4,479 0 42
APPLE INC COMMON STOCK 037833100 8,583,585 25,775 SH SOLE 21,524 0 4,251
BANK OF AMERICA CORP COMMON STOCK 060505104 478,713 8,795 SH SOLE 8,551 0 244
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 1,443,058 2,898 SH SOLE 2,687 0 211
BOEING CO DEP CONV COMMON STOCK 097023105 235,353 1,265 SH SOLE 1,257 0 8
BROADCOM INC COMMON STOCK 11135F101 3,104,174 8,839 SH SOLE 8,243 0 596
CBRE GROUP INC COMMON STOCK 12504L109 431,277 3,357 SH SOLE 3,111 0 246
THE CIGNA GROUP COMMON STOCK 125523100 741,008 2,726 SH SOLE 2,609 0 117
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 221,363 4,035 SH SOLE 3,991 0 44
CISCO SYSTEMS INC COMMON STOCK 17275R102 469,375 4,361 SH SOLE 4,294 0 67
CITIGROUP INC PERP -JJ COMMON STOCK 172967424 790,214 6,103 SH SOLE 6,026 0 77
COMCAST CORP COMMON STOCK 20030N101 326,373 14,999 SH SOLE 14,835 0 164
CONOCOPHILLIPS COMMON STOCK 20825C104 314,126 2,510 SH SOLE 2,491 0 19
COSTCO WHOLESALE CORP NEW COMMON STOCK 22160K105 212,110 233 SH SOLE 221 0 12
D R HORTON INC COMMON STOCK 23331A109 871,007 6,374 SH SOLE 6,296 0 78
DELL TECHNOLOGIES INC COM COMMON STOCK 24703L202 472,325 878 SH SOLE 831 0 47
DOLLAR TREE INC COMMON STOCK 256746108 1,163,463 10,204 SH SOLE 9,833 0 371
DUKE ENERGY CORP COMMON STOCK 26441C204 1,038,518 9,109 SH SOLE 8,466 0 643
EOG RES INC COMMON STOCK 26875P101 557,927 4,050 SH SOLE 4,000 0 50
EBAY INC COMMON STOCK 278642103 447,000 4,215 SH SOLE 4,147 0 68
EQUINIX INC SR GLBL NT COMMON STOCK 29444U700 541,193 535 SH SOLE 498 0 37
EXPEDIA GROUP INC COMMON STOCK 30212P303 323,141 1,227 SH SOLE 1,215 0 12
EXXONMOBIL HOLDINGS CORP COMMON STOCK 30233Q108 3,767,343 23,148 SH SOLE 22,220 0 928
META PLATFORMS INC COMMON STOCK 30303M102 2,976,401 4,104 SH SOLE 3,792 0 312
NORTHERN TRUST MORNINGSTAR MUTUAL FUND/STO 33939L407 303,730 5,759 SH SOLE 5,759 0 0
NORTHERN TRUST MORNINGSTAR MUTUAL FUND/STO 33939L407 52,265 991 SH OTR 991 0 0
FLEXSHARES QUALITY DIVIDEND MUTUAL FUND/STO 33939L860 290,753 3,222 SH SOLE 0 0 3,222
FORTINET INC COMMON STOCK 34959E109 202,534 1,133 SH SOLE 1,126 0 7
GENERAL MILLS INC SR GLBL NT COMMON STOCK 370334104 237,212 7,376 SH SOLE 7,298 0 78
GENERAL MTRS CO SR GLBL NT COMMON STOCK 37045V100 928,389 12,057 SH SOLE 11,915 0 142
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 374,548 416 SH SOLE 13 0 403
HCA HEALTHCARE INC COMMON STOCK 40412C101 2,046,218 4,795 SH SOLE 4,147 0 648
HP INC COMMON STOCK 40434L105 337,166 10,779 SH SOLE 10,675 0 104
HEWLETT PACKARD ENTERPRISE CO SR COMMON STOCK 42824C109 1,211,419 18,961 SH SOLE 17,733 0 1,228
HOME DEPOT INC SR GLBL NT COMMON STOCK 437076102 745,090 2,619 SH SOLE 2,369 0 250
INTERCONTINENTALEXCHANGE GROUP COMMON STOCK 45866F104 588,660 3,872 SH SOLE 3,614 0 258
INVESCO QQQ TRUST MUTUAL FUND/STO 46090E103 425,367 575 SH SOLE 49 0 526
ISHARES SELECT DIVIDEND (MKT) MUTUAL FUND/STO 464287168 735,562 4,837 SH SOLE 3,560 0 1,277
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 59,369,633 77,521 SH SOLE 66,747 0 10,774
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 795,717 1,039 SH OTR 1,039 0 0
ISHARES CORE TOTAL US BOND MUTUAL FUND/COR 464287226 9,593,643 101,477 SH SOLE 79,388 0 22,089
ISHARES CORE TOTAL US BOND MUTUAL FUND/COR 464287226 170,362 1,802 SH OTR 1,802 0 0
ISHARES MSCI EMERGING MARKETS MUTUAL FUND/STO 464287234 379,367 5,680 SH SOLE 3,869 0 1,811
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 663,130 6,383 SH SOLE 6,383 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 112,720 1,085 SH OTR 1,085 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 311,616 4,331 SH SOLE 2,809 0 1,522
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 68,712 955 SH OTR 955 0 0
ISHARES RUSSELL 1000 VALUE (MKT) MUTUAL FUND/STO 464287598 1,035,604 4,177 SH SOLE 1,029 0 3,148
ISHARES RUSSELL 1000 VALUE (MKT) MUTUAL FUND/STO 464287598 360,490 1,454 SH OTR 1,454 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 5,574,822 44,506 SH SOLE 37,943 0 6,563
ISHARES RUSSELL 2000 VALUE (MKT) MUTUAL FUND/STO 464287630 414,292 1,978 SH SOLE 0 0 1,978
ISHARES RUSSELL 2000 GROWTH MUTUAL FUND/STO 464287648 385,095 1,079 SH SOLE 0 0 1,079
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 615,804 2,216 SH SOLE 2,216 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 11,939,422 87,764 SH SOLE 79,280 0 8,484
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 88,154 648 SH OTR 648 0 0
ISHARES GLOBAL INFRASTRUCTURE MUTUAL FUND/STO 464288372 285,515 4,638 SH SOLE 4,638 0 0
ISHARES NATIONAL AMT-FREE MUNI MUTUAL FUNDS/MU 464288414 1,154,865 11,423 SH SOLE 11,423 0 0
ISHARES INTERMEDIATE-TERM MUTUAL FUND/COR 464288638 235,588 4,679 SH SOLE 4,679 0 0
ISHARES SHORT-TERM CORPORATE MUTUAL FUND/COR 464288646 1,076,803 21,019 SH SOLE 20,842 0 177
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842 6,662,631 68,772 SH SOLE 66,444 0 2,328
ISHARES TRUST ISHARES CORE MUTUAL FUND/GOV 46434V613 3,309,929 75,072 SH SOLE 74,440 0 632
ISHARES GLOBAL REIT ETF MUTUAL FUND/STO 46434V647 716,346 27,787 SH SOLE 27,787 0 0
ISHARE RUSSEL 2500 ETF MUTUAL FUND/STO 46435G268 4,475,513 52,333 SH SOLE 51,622 0 711
ISHARES BITCOIN TRUST ETF MUTUAL FUND/STO 46438F101 286,170 6,045 SH SOLE 6,045 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,211,934 6,686 SH SOLE 6,346 0 340
JABIL CIRCUIT INC COMMON STOCK 466313103 606,423 2,114 SH SOLE 2,027 0 87
JOHNSON & JOHNSON SR GLBL NT COMMON STOCK 478160104 1,001,510 3,783 SH SOLE 3,530 0 253
KRAFT HEINZ CO COMMON STOCK 500754106 761,870 33,533 SH SOLE 33,203 0 330
KROGER CO COMMON STOCK 501044101 665,570 11,354 SH SOLE 11,238 0 116
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 608,759 2,571 SH SOLE 2,381 0 190
LAM RESEARCH CORP COMMON STOCK 512807306 682,972 2,079 SH SOLE 2,051 0 28
ELI LILLY & CO SR NT COMMON STOCK 532457108 2,552,521 2,206 SH SOLE 2,098 0 108
M & T BK CORP FR COMMON STOCK 55261F104 734,181 3,374 SH SOLE 3,340 0 34
MANULIFE FINANCIAL CORP FOREIGN STOCK 56501R106 487,528 11,447 SH SOLE 11,407 0 40
MARATHON PETE CORP COMMON STOCK 56585A102 576,920 1,459 SH SOLE 1,447 0 12
MASTERCARD INCORPORATED SR GLBL COMMON STOCK 57636Q104 455,515 826 SH SOLE 812 0 14
MERCK & CO INC COMMON STOCK 58933Y105 696,907 4,796 SH SOLE 4,358 0 438
METLIFE INC JR COMMON STOCK 59156R108 752,715 7,994 SH SOLE 7,901 0 93
MICROSOFT CORP COMMON STOCK 594918104 7,943,103 15,487 SH SOLE 14,302 0 1,185
MICRON TECHNOLOGY INC COMMON STOCK 595112103 2,377,325 2,232 SH SOLE 2,004 0 228
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 535,815 12,874 SH SOLE 11,979 0 895
NATERA INC COMMON STOCK 632307104 243,025 588 SH SOLE 507 0 81
NETFLIX INC COMMON STOCK 64110L106 948,236 13,628 SH SOLE 12,956 0 672
NORTHERN TRUST CORP COMMON STOCK 665859104 1,322,529 7,809 SH SOLE 7,351 0 458
NVIDIA CORPORATION SR GLBL NT COMMON STOCK 67066G104 11,064,122 48,446 SH SOLE 45,097 0 3,349
ORACLE CORP SR COMMON STOCK 68389X105 1,155,991 8,419 SH SOLE 7,997 0 422
PALANTIR TECHNOLOGIES INC COMMON STOCK 69608A108 753,547 4,029 SH SOLE 3,612 0 417
PFIZER INC COMMON STOCK 717081103 425,147 14,907 SH SOLE 14,542 0 365
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 203,211 1,953 SH SOLE 1,937 0 16
PRINCIPAL FINANCIAL GROUP INC COMMON STOCK 74251V102 532,705 4,758 SH SOLE 4,714 0 44
PROCTER & GAMBLE CO COMMON STOCK 742718109 822,285 5,660 SH SOLE 5,276 0 384
PROGRESSIVE CORP COMMON STOCK 743315103 75,045 362 SH SOLE 341 0 21
PROGRESSIVE CORP COMMON STOCK 743315103 1,246,348 6,012 SH OTR 6,012 0 0
PULTE GROUP INC COMMON STOCK 745867101 306,281 2,639 SH SOLE 2,453 0 186
QUALCOMM INC COMMON STOCK 747525103 830,203 4,511 SH SOLE 4,238 0 273
QUANTA SERVICES INC COMMON STOCK 74762E102 1,049,225 1,633 SH SOLE 1,517 0 116
RALPH LAUREN CORP SR GLBL NT COMMON STOCK 751212101 680,315 1,916 SH SOLE 1,784 0 132
RTX CORPORATION COMMON STOCK 75513E101 1,128,756 6,080 SH SOLE 5,701 0 379
REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 388,065 14,437 SH SOLE 14,200 0 237
STATE STREET SPDR S&P 500 ETF MUTUAL FUND/STO 78462F103 1,954,621 2,563 SH SOLE 890 0 1,673
SPDR GOLD SHARES (MKT) MUTUAL FUND/STO 78463V107 755,967 1,985 SH SOLE 898 0 1,087
STATE STREET SPDR PORTFOLIO MUTUAL FUND/STO 78463X889 2,826,420 56,292 SH SOLE 56,292 0 0
STATE STREET SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A854 242,442 2,701 SH SOLE 2,701 0 0
STATE STREET MULTI-ASSET REAL MUTUAL FUND/GOV 78467V103 470,579 13,003 SH SOLE 13,003 0 0
STATE STREET INCOME ALLOCATION MUTUAL FUND/GOV 78467V202 400,939 12,146 SH SOLE 12,146 0 0
STATE STREET BLACKSTONE SENIOR MUTUAL FUND/COR 78467V608 4,330,603 107,220 SH SOLE 95,160 0 12,060
STATE STREET BLACKSTONE SENIOR MUTUAL FUND/COR 78467V608 103,722 2,568 SH OTR 2,568 0 0
STATE STREET SPDR S&P MIDCAP 400 MUTUAL FUND/STO 78467Y107 1,987,862 3,027 SH SOLE 3,027 0 0
SALESFORCE INC COMMON STOCK 79466L302 452,135 1,969 SH SOLE 1,927 0 42
STATE STREET TECHNOLOGY SELECT MUTUAL FUND/STO 81369Y803 483,895 2,472 SH SOLE 1,750 0 722
SERVICENOW INC COM COMMON STOCK 81762P102 213,479 1,593 SH SOLE 1,588 0 5
SPROTT PHYSICAL GOLD TRUST MUTUAL FUNDS GL 85207H104 3,026,526 96,787 SH SOLE 87,231 0 9,556
SPROTT PHYSICAL GOLD TRUST MUTUAL FUNDS GL 85207H104 78,833 2,521 SH OTR 2,521 0 0
STATE STR CORP PERP COMMON STOCK 857477103 475,936 2,726 SH SOLE 2,700 0 26
SUNCOR ENERGY INC FOREIGN STOCK 867224107 497,894 7,336 SH SOLE 7,336 0 0
SYNCHRONY FINANCIAL COMMON STOCK 87165B103 1,549,914 21,839 SH SOLE 21,074 0 765
TJX COS INC NEW COMMON STOCK 872540109 640,910 4,844 SH SOLE 4,518 0 326
T MOBILE US INC COM COMMON STOCK 872590104 343,610 2,107 SH SOLE 2,079 0 28
TAIWAN SEMICONDUCTOR FOREIGN STOCK 874039100 1,022,322 2,241 SH SOLE 1,963 0 278
TAPESTRY INC COM COMMON STOCK 876030107 445,551 3,873 SH SOLE 3,835 0 38
TARGET CORP COMMON STOCK 87612E106 729,394 4,655 SH SOLE 4,316 0 339
TESLA INC COMMON STOCK 88160R101 1,955,718 5,512 SH SOLE 4,278 0 1,234
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 247,067 366 SH SOLE 335 0 31
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109 252,768 709 SH SOLE 692 0 17
TRUIST FINL CORP COMMON STOCK 89832Q109 415,588 8,976 SH SOLE 8,884 0 92
UBER TECHNOLOGIES INC COMMON STOCK 90353T100 205,804 3,004 SH SOLE 2,959 0 45
UNION PAC CORP COMMON STOCK 907818108 909,730 3,343 SH SOLE 3,136 0 207
UNITED PARCEL SERVICE COMMON STOCK 911312106 379,927 4,066 SH SOLE 4,007 0 59
UNITED RENTALS INC COMMON STOCK 911363109 1,035,803 1,035 SH SOLE 967 0 68
VALERO ENERGY CORP SR GLBL COMMON STOCK 91913Y100 614,748 1,586 SH SOLE 1,572 0 14
VANGUARD TOTAL INTERNATIONAL MUTUAL FUND/STO 921909768 241,032 2,837 SH SOLE 2,837 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 279,050 1,798 SH SOLE 1,798 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 1,155,833 19,488 SH SOLE 19,488 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 26,156 441 SH OTR 441 0 0
VANGUARD S&P 500 ETF MUTUAL FUND/STO 922908363 1,501,944 2,143 SH SOLE 2,112 0 31
VANGUARD MORNINGSTAR MID-CAP ETF MUTUAL FUND/STO 922908629 3,606,849 45,994 SH SOLE 45,994 0 0
VANGUARD EXTENDED MARKET INDEX MUTUAL FUND/STO 922908652 264,058 1,140 SH SOLE 1,140 0 0
VANGUARD MORNINGSTAR GROWTH ETF MUTUAL FUND/STO 922908736 269,249 2,988 SH SOLE 2,988 0 0
VANGUARD MORNINGSTAR TOTAL STOCK MUTUAL FUND/STO 922908769 263,090 703 SH SOLE 702 0 1
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 659,609 14,380 SH SOLE 14,176 0 204
VISA INC SR NT COMMON STOCK 92826C839 1,557,338 4,334 SH SOLE 4,098 0 236
WASTE MANAGEMENT INC COMMON STOCK 94106L109 330,758 1,622 SH SOLE 1,622 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,215,803 15,188 SH SOLE 14,408 0 780
WESTERN DIGITAL CORP COMMON STOCK 958102105 751,673 1,654 SH SOLE 1,485 0 169
ZOETIS INC COMMON STOCK 98978V103 222,056 3,180 SH SOLE 3,160 0 20
TOTAL SA FOREIGN STOCK F92124100 336,701 3,938 SH SOLE 3,909 0 29
EATON CORP PLC FOREIGN STOCK G29183103 435,295 1,013 SH SOLE 1,003 0 10
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 576,765 3,880 SH SOLE 3,813 0 67
LINDE PLC FOREIGN STOCK G54950103 977,308 2,059 SH SOLE 1,928 0 131
GARMIN LTD FOREIGN STOCK H2906T109 236,356 824 SH SOLE 815 0 9
NEBIUS GROUP N V FOREIGN STOCK N97284108 638,291 2,706 SH SOLE 2,432 0 274