Red Tortoise 13F-HR Quarterly holdings report by institutional manager

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:	Oct 31, 2018
Estimated average burden
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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
AMAZON COM INC COM	Stock	023135106	32,049	172	SH		OTR	1	0	0	172
AMAZON COM INC COM	Stock	023135106	824,697	4,426	SH		SOLE	0	0	0	4,426
ISHARES MORNINGSTAR GROWTH ETF	ETF	464287119	510,446	6,074	SH		SOLE	0	0	0	6,073
CUBESMART COM	REIT	229663109	8,236	153	SH		OTR	1	0	0	153
ROLLINS INC COM	Stock	775711104	8,245	163	SH		OTR	1	0	0	163
UNDER ARMOUR INC CL A	Stock	904311107	8,536	958	SH		SOLE	0	0	0	958
HEWLETT PACKARD ENTERPRISE CO COM	Stock	42824C109	14,176	693	SH		SOLE	0	0	0	692
INVESCO QQQ TRUST SERIES I	ETF	46090E103	50,836	104	SH		SOLE	0	0	0	104
STARBUCKS CORP COM	Stock	855244109	12,869	132	SH		OTR	1	0	0	132
STARBUCKS CORP COM	Stock	855244109	14,039	144	SH		SOLE	0	0	0	144
PUBLIC SVC ENTERPRISE GRP INC COM	Stock	744573106	3,836	43	SH		OTR	1	0	0	43
XPO INC COM	Stock	983793100	1,828	17	SH		OTR	1	0	0	17
DOLLAR GEN CORP NEW COM	Stock	256677105	1,945	23	SH		OTR	1	0	0	23
CALIFORNIA BANCORP COM	Stock	84252A106	4,082	276	SH		OTR	1	0	0	276
JOHNSON & JOHNSON COM	Stock	478160104	54,290	335	SH		OTR	1	0	0	335
JOHNSON & JOHNSON COM	Stock	478160104	149,448	922	SH		SOLE	0	0	0	922
AKAMAI TECHNOLOGIES INC COM	Stock	00971T101	2,019	20	SH		OTR	1	0	0	20
SCHWAB 1000 INDEX ETF	ETF	808524722	1,238,590	22,402	SH		SOLE	0	0	0	22,401
WILLIAMS SONOMA INC COM	Stock	969904101	22,308	144	SH		OTR	1	0	0	144
LKQ CORP COM	Stock	501889208	7,505	188	SH		OTR	1	0	0	188
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	333,180	1,177	SH		SOLE	0	0	0	1,176
DEXCOM INC COM	Stock	252131107	2,682	40	SH		OTR	1	0	0	40
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF	ETF	921946810	64,426	730	SH		SOLE	0	0	0	729
HCA HEALTHCARE INC COM	Stock	40412C101	63,810	157	SH		OTR	1	0	0	157
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	1,289,155	28,111	SH		SOLE	0	0	0	28,110
GOLDMAN SACHS GROUP INC COM	Stock	38141G104	2,066	4	SH		SOLE	0	0	0	4
GOLDMAN SACHS GROUP INC COM	Stock	38141G104	11,388	23	SH		OTR	1	0	0	23
SCOTTS MIRACLE-GRO CO CL A	Stock	810186106	2,601	30	SH		OTR	1	0	0	30
SHELL PLC SPON ADS	ADR	780259305	39,768	603	SH		SOLE	0	0	0	603
YUM BRANDS INC COM	Stock	988498101	95,457	683	SH		SOLE	0	0	0	683
OLD DOMINION FREIGHT LINE INC COM	Stock	679580100	7,548	38	SH		OTR	1	0	0	38
KNIGHT-SWIFT TRANSN HLDGS INC CL A	Stock	499049104	1,672	31	SH		OTR	1	0	0	31
PROCTER AND GAMBLE CO COM	Stock	742718109	46,764	270	SH		OTR	1	0	0	270
PROCTER AND GAMBLE CO COM	Stock	742718109	437,233	2,524	SH		SOLE	0	0	0	2,524
COCA COLA CO COM	Stock	191216100	11,354	158	SH		SOLE	0	0	0	158
COCA COLA CO COM	Stock	191216100	29,463	410	SH		OTR	1	0	0	410
GENERAL MLS INC COM	Stock	370334104	4,209	57	SH		OTR	1	0	0	57
AMEREN CORP COM	Stock	023608102	1,137	13	SH		OTR	1	0	0	13
IDEX CORP COM	Stock	45167R104	4,290	20	SH		OTR	1	0	0	20
OCCIDENTAL PETE CORP COM	Stock	674599105	2,216	43	SH		OTR	1	0	0	43
TRUIST FINL CORP COM	Stock	89832Q109	0	0	SH		SOLE	0	0	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	21,816	160	SH		SOLE	0	0	0	160
BIOGEN INC COM	Stock	09062X103	5,428	28	SH		OTR	1	0	0	28
VENTAS INC COM	REIT	92276F100	6,413	100	SH		OTR	1	0	0	100
SPDR PORTFOLIO LONG TERM TREASURY ETF	ETF	78464A664	2,582,605	88,841	SH		SOLE	0	0	0	88,840
ISHARES MSCI ACWI EX U.S. ETF	ETF	464288240	2,579,023	45,072	SH		SOLE	0	0	0	45,072
ESSEX PPTY TR INC COM	REIT	297178105	3,840	13	SH		OTR	1	0	0	13
AVALONBAY CMNTYS INC COM	REIT	053484101	4,280	19	SH		OTR	1	0	0	19
PRESTIGE CONSMR HEALTHCARE INC COM	Stock	74112D101	6,561	91	SH		OTR	1	0	0	91
RELIANCE INC COM	Stock	759509102	10,412	36	SH		OTR	1	0	0	36
CME GROUP INC COM	Stock	12572Q105	9,709	44	SH		OTR	1	0	0	44
WILEY JOHN & SONS INC CL A	Stock	968223206	2,943	61	SH		OTR	1	0	0	61
STATE STR CORP COM	Stock	857477103	10,528	119	SH		OTR	1	0	0	119
MEDTRONIC PLC SHS	Stock	G5960L103	5,042	56	SH		SOLE	0	0	0	56
MEDTRONIC PLC SHS	Stock	G5960L103	9,543	106	SH		OTR	1	0	0	106
COMERICA INC COM	Stock	200340107	9,646	161	SH		OTR	1	0	0	161
NETFLIX INC COM	Stock	64110L106	19,860	28	SH		OTR	1	0	0	28
PAYCHEX INC COM	Stock	704326107	11,406	85	SH		OTR	1	0	0	85
GLOBAL MED REIT INC COM NEW	REIT	37954A204	1,982	200	SH		OTR	1	0	0	200
MEDICAL PPTYS TRUST INC COM	REIT	58463J304	4,323	739	SH		OTR	1	0	0	739
U HAUL HOLDING COMPANY COM	Stock	023586100	232	3	SH		OTR	1	0	0	3
PACCAR INC COM	Stock	693718108	3,059	31	SH		OTR	1	0	0	31
SEI INVTS CO COM	Stock	784117103	2,283	33	SH		OTR	1	0	0	33
EQUITY RESIDENTIAL SH BEN INT	REIT	29476L107	4,468	60	SH		OTR	1	0	0	60
LAUDER ESTEE COS INC CL A	Stock	518439104	3,626	36	SH		SOLE	0	0	0	36
PROLOGIS INC. COM	REIT	74340W103	2,778	22	SH		OTR	1	0	0	22
ISHARES AGENCY BOND ETF	ETF	464288166	5,088	46	SH		SOLE	0	0	0	46
MERCK & CO INC COM	Stock	58933Y105	10,561	93	SH		SOLE	0	0	0	93
MERCK & CO INC COM	Stock	58933Y105	27,595	243	SH		OTR	1	0	0	243
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	610,678	5,751	SH		SOLE	0	0	0	5,750
OSHKOSH CORP COM	Stock	688239201	2,305	23	SH		OTR	1	0	0	23
SPDR S&P 500 ETF TRUST	ETF	78462F103	1,093,794	1,906	SH		SOLE	0	0	0	1,906
VISTRA CORP COM	Stock	92840M102	37,340	315	SH		OTR	1	0	0	315
SBA COMMUNICATIONS CORP NEW CL A	REIT	78410G104	2,888	12	SH		OTR	1	0	0	12
NORDSON CORP COM	Stock	655663102	3,414	13	SH		OTR	1	0	0	13
ADIENT PLC ORD SHS	Stock	G0084W101	2,821	125	SH		OTR	1	0	0	125
YUM CHINA HLDGS INC COM	Stock	98850P109	30,682	682	SH		SOLE	0	0	0	681
HERITAGE FINL CORP WASH COM	Stock	42722X106	3,244	149	SH		OTR	1	0	0	149
ALLSTATE CORP COM	Stock	020002101	22,979	121	SH		SOLE	0	0	0	121
HORACE MANN EDUCATORS CORP NEW COM	Stock	440327104	8,598	246	SH		OTR	1	0	0	246
MATTEL INC COM	Stock	577081102	1,086	57	SH		SOLE	0	0	0	57
ISHARES TIPS BOND ETF	ETF	464287176	198,205	1,794	SH		SOLE	0	0	0	1,794
LEGGETT & PLATT INC COM	Stock	524660107	6,783	498	SH		OTR	1	0	0	498
KALVISTA PHARMACEUTICALS INC COM	Stock	483497103	2,165	187	SH		OTR	1	0	0	187
COGNIZANT TECHNOLOGY SOLUTIONS CL A	Stock	192446102	4,245	55	SH		SOLE	0	0	0	55
COGNIZANT TECHNOLOGY SOLUTIONS CL A	Stock	192446102	12,272	159	SH		OTR	1	0	0	159
MFS HIGH YIELD MUN TR SH BEN INT	CEF	59318E102	9,903	2,702	SH		SOLE	0	0	0	2,702
EDWARDS LIFESCIENCES CORP COM	Stock	28176E108	4,883	74	SH		SOLE	0	0	0	74
EDWARDS LIFESCIENCES CORP COM	Stock	28176E108	5,345	81	SH		OTR	1	0	0	81
PARK HOTELS & RESORTS INC COM	REIT	700517105	423	30	SH		SOLE	0	0	0	30
BANK NEW YORK MELLON CORP COM	Stock	064058100	12,001	167	SH		OTR	1	0	0	167
DAVITA INC COM	Stock	23918K108	3,770	23	SH		OTR	1	0	0	23
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	11,093	247	SH		OTR	1	0	0	247
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	44,910	1,000	SH		SOLE	0	0	0	1,000
CHUBB LIMITED COM	Stock	H1467J104	11,247	39	SH		OTR	1	0	0	39
PULTE GROUP INC COM	Stock	745867101	7,751	54	SH		OTR	1	0	0	54
FIRST CMNTY BANKSHARES INC VA COM	Stock	31983A103	89,536	2,075	SH		SOLE	0	0	0	2,075
INVITATION HOMES INC COM	REIT	46187W107	17,850	506	SH		SOLE	0	0	0	506
PEPSICO INC COM	Stock	713448108	8,843	52	SH		SOLE	0	0	0	52
PEPSICO INC COM	Stock	713448108	17,175	101	SH		OTR	1	0	0	101
LAUREATE EDUCATION INC COMMON STOCK	Stock	518613203	2,425	146	SH		OTR	1	0	0	146
CLIPPER RLTY INC COM	REIT	18885T306	5,677	996	SH		OTR	1	0	0	996
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF	ETF	37954Y673	1,235	30	SH		SOLE	0	0	0	30
TRANE TECHNOLOGIES PLC SHS	Stock	G8994E103	20,947	54	SH		SOLE	0	0	0	53
FIRSTENERGY CORP COM	Stock	337932107	2,927	66	SH		OTR	1	0	0	66
FORD MTR CO COM	Stock	345370860	2,439	231	SH		OTR	1	0	0	231
PEABODY ENERGY CORP COM	Stock	704551100	5,998	226	SH		OTR	1	0	0	226
FIRST BANCORP N C COM	Stock	318910106	2,080	50	SH		OTR	1	0	0	50
US BANCORP DEL COM NEW	Stock	902973304	4,390	96	SH		OTR	1	0	0	96
XCEL ENERGY INC COM	Stock	98389B100	6,204	95	SH		OTR	1	0	0	95
KINETIK HOLDINGS INC COM NEW CL A	Stock	02215L209	2,218	49	SH		OTR	1	0	0	49
HOME DEPOT INC COM	Stock	437076102	20,665	51	SH		OTR	1	0	0	51
HOME DEPOT INC COM	Stock	437076102	1,727,680	4,264	SH		SOLE	0	0	0	4,263
BAXTER INTL INC COM	Stock	071813109	4,101	108	SH		OTR	1	0	0	108
GRANITE PT MTG TR INC COM	REIT	38741L107	1,962	619	SH		OTR	1	0	0	619
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	67,008	242	SH		SOLE	0	0	0	242
BRIGHTHOUSE FINL INC COM	Stock	10922N103	2,206	49	SH		OTR	1	0	0	49
PETIQ INC COM CL A	Stock	71639T106	5,416	176	SH		OTR	1	0	0	176
INVESCO MORTGAGE CAPITAL INC COM	REIT	46131B704	2,028	216	SH		OTR	1	0	0	216
DUPONT DE NEMOURS INC COM	Stock	26614N102	6,327	71	SH		OTR	1	0	0	71
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	171,896	1,030	SH		SOLE	0	0	0	1,030
COOPER COS INC COM	Stock	216648501	2,648	24	SH		OTR	1	0	0	24
VICI PPTYS INC COM	REIT	925652109	4,031	121	SH		OTR	1	0	0	121
BECTON DICKINSON & CO COM	Stock	075887109	8,197	34	SH		SOLE	0	0	0	34
BECTON DICKINSON & CO COM	Stock	075887109	18,806	78	SH		OTR	1	0	0	78
BROADRIDGE FINL SOLUTIONS INC COM	Stock	11133T103	2,580	12	SH		OTR	1	0	0	12
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,075,036	20,874	SH		SOLE	0	0	0	20,874
REGIONS FINANCIAL CORP NEW COM	Stock	7591EP100	9,122	391	SH		OTR	1	0	0	391
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	12,451	33	SH		SOLE	0	0	0	33
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	2,694,222	40,502	SH		SOLE	0	0	0	40,502
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	23,163,353	563,311	SH		SOLE	0	0	0	563,311
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	7,898,451	116,410	SH		SOLE	0	0	0	116,410
WEBSTER FINL CORP COM	Stock	947890109	11,979	257	SH		OTR	1	0	0	257
IQVIA HLDGS INC COM	Stock	46266C105	4,028	17	SH		OTR	1	0	0	17
IQVIA HLDGS INC COM	Stock	46266C105	11,849	50	SH		SOLE	0	0	0	50
ASSURED GUARANTY LTD COM	Stock	G0585R106	9,065	114	SH		OTR	1	0	0	114
ATMOS ENERGY CORP COM	Stock	049560105	6,381	46	SH		OTR	1	0	0	46
PINNACLE WEST CAP CORP COM	Stock	723484101	9,036	102	SH		OTR	1	0	0	102
TELEFLEX INCORPORATED COM	Stock	879369106	4,204	17	SH		OTR	1	0	0	17
SPECTRUM BRANDS HLDGS INC NEW COM	Stock	84790A105	1,713	18	SH		OTR	1	0	0	18
CENTENE CORP DEL COM	Stock	15135B101	13,927	185	SH		OTR	1	0	0	185
TWO HBRS INVT CORP COM	REIT	90187B804	2,498	180	SH		OTR	1	0	0	180
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	180,703	1,545	SH		SOLE	0	0	0	1,545
INDUSTRIAL LOGISTICS PPTYS TR COM SHS BEN INT	REIT	456237106	3,294	692	SH		OTR	1	0	0	692
PRA GROUP INC COM	Stock	69354N106	2,325	104	SH		OTR	1	0	0	104
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	60,754	132	SH		SOLE	0	0	0	132
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	112,303	244	SH		OTR	1	0	0	244
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	9,803,466	335,965	SH		SOLE	0	0	0	335,965
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	4,690	56	SH		SOLE	0	0	0	56
ALPHABET INC CAP STK CL A	Stock	02079K305	63,023	380	SH		OTR	1	0	0	380
ALPHABET INC CAP STK CL A	Stock	02079K305	704,190	4,246	SH		SOLE	0	0	0	4,245
TARO PHARMACEUTICAL INDS LTD SHS	Stock	M8737E108	0	40	SH		OTR	1	0	0	40
FRANKLIN FTSE JAPAN HEDGED ETF	ETF	35473P637	1,563	51	SH		SOLE	0	0	0	51
PG&E CORP COM	Stock	69331C108	4,923	249	SH		OTR	1	0	0	249
FISERV INC COM	Stock	337738108	12,037	67	SH		OTR	1	0	0	67
OREILLY AUTOMOTIVE INC COM	Stock	67103H107	11,516	10	SH		OTR	1	0	0	10
HALLIBURTON CO COM	Stock	406216101	13,668	471	SH		SOLE	0	0	0	470
UNILEVER PLC SPON ADR NEW	ADR	904767704	33,260	512	SH		SOLE	0	0	0	512
NEWMONT CORP COM	Stock	651639106	9,461	177	SH		OTR	1	0	0	177
CSX CORP COM	Stock	126408103	2,106	61	SH		OTR	1	0	0	61
CSX CORP COM	Stock	126408103	3,729	108	SH		SOLE	0	0	0	108
COMCAST CORP NEW CL A	Stock	20030N101	17,335	415	SH		OTR	1	0	0	415
MICROSOFT CORP COM	Stock	594918104	99,830	232	SH		OTR	1	0	0	232
MICROSOFT CORP COM	Stock	594918104	1,756,591	4,082	SH		SOLE	0	0	0	4,082
FIRST HORIZON CORPORATION COM	Stock	320517105	9,644	621	SH		OTR	1	0	0	621
SS&C TECHNOLOGIES HLDGS INC COM	Stock	78467J100	6,456	87	SH		OTR	1	0	0	87
VALERO ENERGY CORP COM	Stock	91913Y100	4,996	37	SH		OTR	1	0	0	37
CVS HEALTH CORP COM	Stock	126650100	13,949	222	SH		SOLE	0	0	0	221
SCHOLAR ROCK HLDG CORP COM	Stock	80706P103	2,051	256	SH		OTR	1	0	0	256
EVERGY INC COM	Stock	30034W106	19,347	312	SH		SOLE	0	0	0	312
SPROTT PHYSICAL GOLD TR UNIT	CEF	85207H104	114,128	5,600	SH		SOLE	0	0	0	5,600
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF	81369Y852	24,753	274	SH		SOLE	0	0	0	273
MASCO CORP COM	Stock	574599106	6,967	83	SH		OTR	1	0	0	83
SIMON PPTY GROUP INC NEW COM	REIT	828806109	3,887	23	SH		OTR	1	0	0	23
RPM INTL INC COM	Stock	749685103	3,630	30	SH		OTR	1	0	0	30
V F CORP COM	Stock	918204108	7,980	400	SH		SOLE	0	0	0	400
KEURIG DR PEPPER INC COM	Stock	49271V100	3,336	89	SH		OTR	1	0	0	89
BROWN & BROWN INC COM	Stock	115236101	15,229	147	SH		OTR	1	0	0	147
MFA FINL INC COM	REIT	55272X607	2,569	202	SH		OTR	1	0	0	202
ELANCO ANIMAL HEALTH INC COM	Stock	28414H103	5,994	408	SH		OTR	1	0	0	408
MASTERBRAND INC COMMON STOCK	Stock	57638P104	1,149	62	SH		OTR	1	0	0	62
READY CAPITAL CORP COM	REIT	75574U101	5,143	674	SH		OTR	1	0	0	674
BOEING CO COM	Stock	097023105	2,129	14	SH		OTR	1	0	0	14
COPART INC COM	Stock	217204106	4,821	92	SH		OTR	1	0	0	92
VANGUARD SMALL-CAP ETF	ETF	922908751	11,326	48	SH		SOLE	0	0	0	47
VANGUARD LARGE-CAP ETF	ETF	922908637	37,115	141	SH		SOLE	0	0	0	140
NEXTERA ENERGY INC COM	Stock	65339F101	13,356	158	SH		OTR	1	0	0	158
NIKE INC CL B	Stock	654106103	18,480	209	SH		SOLE	0	0	0	209
NIKE INC CL B	Stock	654106103	34,211	387	SH		OTR	1	0	0	387
ALIGN TECHNOLOGY INC COM	Stock	016255101	4,069	16	SH		OTR	1	0	0	16
VANGUARD SHORT-TERM TREASURY ETF	ETF	92206C102	1,271,583	21,545	SH		SOLE	0	0	0	21,544
SOUTHWESTERN ENERGY CO COM	Stock	845467109	16,637	2,340	SH		OTR	1	0	0	2,340
URBAN OUTFITTERS INC COM	Stock	917047102	2,873	75	SH		OTR	1	0	0	75
TESLA INC COM	Stock	88160R101	7,064	27	SH		OTR	1	0	0	27
TESLA INC COM	Stock	88160R101	29,826	114	SH		SOLE	0	0	0	114
EQUITY COMWLTH COM SH BEN INT	REIT	294628102	9,691	487	SH		OTR	1	0	0	487
MSCI INC COM	Stock	55354G100	4,081	7	SH		OTR	1	0	0	7
VANGUARD LONG-TERM TREASURY ETF	ETF	92206C847	10,129,330	164,597	SH		SOLE	0	0	0	164,597
LINDE PLC SHS	Stock	G54950103	16,690	35	SH		OTR	1	0	0	35
ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	46434G764	55,816	913	SH		SOLE	0	0	0	913
ATLANTIC UN BANKSHARES CORP COM	Stock	04911A107	3,767	100	SH		OTR	1	0	0	100
HILTON WORLDWIDE HLDGS INC COM	Stock	43300A203	9,681	42	SH		OTR	1	0	0	42
FIRST LONG IS CORP COM	Stock	320734106	2,329	181	SH		OTR	1	0	0	181
VANGUARD HEALTH CARE ETF	ETF	92204A504	2,872	10	SH		SOLE	0	0	0	10
NXP SEMICONDUCTORS N V COM	Stock	N6596X109	14,224	59	SH		SOLE	0	0	0	59
BXP INC COM	REIT	101121101	3,943	49	SH		OTR	1	0	0	49
HIGHWOODS PPTYS INC COM	REIT	431284108	4,490	134	SH		OTR	1	0	0	134
HOST HOTELS & RESORTS INC COM	REIT	44107P104	4,664	265	SH		OTR	1	0	0	265
KILROY RLTY CORP COM	REIT	49427F108	3,483	90	SH		OTR	1	0	0	90
MACERICH CO COM	REIT	554382101	3,119	171	SH		OTR	1	0	0	171
PUBLIC STORAGE OPER CO COM	REIT	74460D109	4,730	13	SH		OTR	1	0	0	13
GLOBAL X AUTONOMOUS & ELECTRIC VEHICLES ETF	ETF	37954Y624	27,002	1,150	SH		SOLE	0	0	0	1,150
ALERIAN MLP ETF	ETF	00162Q452	28,278	600	SH		SOLE	0	0	0	600
SCHWAB SHORT-TERM US TREASURY ETF	ETF	808524862	4,518,439	92,251	SH		SOLE	0	0	0	92,250
NEWMARKET CORP COM	Stock	651587107	2,208	4	SH		OTR	1	0	0	4
HARLEY DAVIDSON INC COM	Stock	412822108	2,620	68	SH		OTR	1	0	0	68
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND	ETF	72201R866	71,984	1,359	SH		SOLE	0	0	0	1,358
GREEN DOT CORP CL A	Stock	39304D102	2,049	175	SH		OTR	1	0	0	175
SCHWAB US TIPS ETF	ETF	808524870	3,288,839	61,325	SH		SOLE	0	0	0	61,324
AMPHENOL CORP NEW CL A	Stock	032095101	19,548	300	SH		OTR	1	0	0	300
CARLISLE COS INC COM	Stock	142339100	5,397	12	SH		OTR	1	0	0	12
INTERNATIONAL FLAVORS&FRAGRANC COM	Stock	459506101	10,493	100	SH		OTR	1	0	0	100
STANLEY BLACK & DECKER INC COM	Stock	854502101	3,744	34	SH		OTR	1	0	0	34
FIRST INDL RLTY TR INC COM	REIT	32054K103	9,629	172	SH		OTR	1	0	0	172
WELLTOWER INC COM	REIT	95040Q104	10,370	81	SH		OTR	1	0	0	81
DOW INC COM	Stock	260557103	1,639	30	SH		OTR	1	0	0	30
ARCH CAP GROUP LTD ORD	Stock	G0450A105	7,720	69	SH		OTR	1	0	0	69
ENLIVEX THERAPEUTICS LTD COM	Stock	M4130Y106	252	150	SH		SOLE	0	0	0	150
ARMOUR RESIDENTIAL REIT INC COM SHS	REIT	042315705	7,956	390	SH		OTR	1	0	0	390
CONAGRA BRANDS INC COM	Stock	205887102	4,130	127	SH		OTR	1	0	0	127
FIFTH THIRD BANCORP COM	Stock	316773100	9,639	225	SH		OTR	1	0	0	225
UBER TECHNOLOGIES INC COM	Stock	90353T100	4,660	62	SH		OTR	1	0	0	62
WESTERN UN CO COM	Stock	959802109	8,112	680	SH		OTR	1	0	0	680
CONSOLIDATED EDISON INC COM	Stock	209115104	11,454	110	SH		OTR	1	0	0	110
CONSOLIDATED EDISON INC COM	Stock	209115104	46,234	444	SH		SOLE	0	0	0	444
GENERAL MTRS CO COM	Stock	37045V100	4,125	92	SH		OTR	1	0	0	92
HUNTINGTON BANCSHARES INC COM	Stock	446150104	17,323	1,178	SH		SOLE	0	0	0	1,178
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	111,975	625	SH		SOLE	0	0	0	625
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	788,975	9,087	SH		SOLE	0	0	0	9,087
VANGUARD RUSSELL 2000 ETF	ETF	92206C664	309,296	3,461	SH		SOLE	0	0	0	3,461
WABTEC COM	Stock	929740108	727	4	SH		SOLE	0	0	0	4
WABTEC COM	Stock	929740108	9,452	52	SH		OTR	1	0	0	52
ELI LILLY & CO COM	Stock	532457108	6,202	7	SH		OTR	1	0	0	7
AIR PRODS & CHEMS INC COM	Stock	009158106	4,466	15	SH		OTR	1	0	0	15
SERVICE PPTYS TR COM SH BEN INT	REIT	81761L102	1,646	361	SH		OTR	1	0	0	361
ISHARES RUSSELL MID-CAP VALUE ETF	ETF	464287473	574,165	4,342	SH		SOLE	0	0	0	4,341
HOLOGIC INC COM	Stock	436440101	3,014	37	SH		OTR	1	0	0	37
LEAR CORP COM NEW	Stock	521865204	2,292	21	SH		OTR	1	0	0	21
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,741,819	7,885	SH		SOLE	0	0	0	7,885
APOLLO GLOBAL MGMT INC COM	Stock	03769M106	4,747	38	SH		OTR	1	0	0	38
FIDELITY NATL INFORMATION SVCS COM	Stock	31620M106	8,235	98	SH		SOLE	0	0	0	98
REPLIGEN CORP COM	Stock	759916109	1,786	12	SH		OTR	1	0	0	12
IMMUNOVANT INC COM	Stock	45258J102	6,899	242	SH		OTR	1	0	0	242
VERTIV HOLDINGS CO COM CL A	Stock	92537N108	14,625	147	SH		OTR	1	0	0	147
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	12,568	109	SH		OTR	1	0	0	109
SPDR S&P AEROSPACE & DEFENSE ETF	ETF	78464A631	718,358	4,566	SH		SOLE	0	0	0	4,565
ISHARES U.S. OIL & GAS EXPLORATION & PRODUCTION ETF	ETF	464288851	102,555	1,121	SH		SOLE	0	0	0	1,121
CARRIER GLOBAL CORPORATION COM	Stock	14448C104	10,142	126	SH		SOLE	0	0	0	126
CARRIER GLOBAL CORPORATION COM	Stock	14448C104	28,574	355	SH		OTR	1	0	0	355
INNOVATOR GROWTH-100 POWER BUFFER ETF - APRIL	ETF	45782C334	38,766	797	SH		SOLE	0	0	0	797
FREEPORT-MCMORAN INC CL B	Stock	35671D857	7,238	145	SH		OTR	1	0	0	145
CHIPOTLE MEXICAN GRILL INC COM	Stock	169656105	8,643	150	SH		OTR	1	0	0	150
LINKBANCORP INC COM	Stock	53578P105	3,942	615	SH		OTR	1	0	0	615
DICKS SPORTING GOODS INC COM	Stock	253393102	3,131	15	SH		OTR	1	0	0	15
STONEX GROUP INC COM	Stock	861896108	8,925	109	SH		OTR	1	0	0	109
NKARTA INC COM	Stock	65487U108	3,621	801	SH		OTR	1	0	0	801
QUANTA SVCS INC COM	Stock	74762E102	10,435	35	SH		OTR	1	0	0	35
ISHARES SELECT DIVIDEND ETF	ETF	464287168	489,841	3,627	SH		SOLE	0	0	0	3,626
ENTERGY CORP NEW COM	Stock	29364G103	4,870	37	SH		OTR	1	0	0	37
CNX RES CORP COM	Stock	12653C108	8,664	266	SH		OTR	1	0	0	266
MDU RES GROUP INC COM	Stock	552690109	1,699	62	SH		OTR	1	0	0	62
EVERSOURCE ENERGY COM	Stock	30040W108	12,317	181	SH		OTR	1	0	0	181
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	622,859	5,310	SH		SOLE	0	0	0	5,310
MARATHON PETE CORP COM	Stock	56585A102	40,565	249	SH		SOLE	0	0	0	249
HF SINCLAIR CORP COM	Stock	403949100	16,223	364	SH		OTR	1	0	0	364
LAKELAND FINL CORP COM	Stock	511656100	3,256	50	SH		OTR	1	0	0	50
INTEGRA LIFESCIENCES HLDGS CP COM NEW	Stock	457985208	1,127	62	SH		OTR	1	0	0	62
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	1,502,285	7,482	SH		SOLE	0	0	0	7,482
CHEMED CORP NEW COM	Stock	16359R103	3,005	5	SH		OTR	1	0	0	5
F N B CORP COM	Stock	302520101	9,228	654	SH		OTR	1	0	0	654
REGENERON PHARMACEUTICALS COM	Stock	75886F107	8,410	8	SH		OTR	1	0	0	8
VANGUARD RUSSELL 1000 ETF	ETF	92206C730	355,082	1,365	SH		SOLE	0	0	0	1,365
FIRST SOLAR INC COM	Stock	336433107	2,993	12	SH		OTR	1	0	0	12
SOFI TECHNOLOGIES INC COM	Stock	83406F102	2,578	328	SH		OTR	1	0	0	328
THE AARONS COMPANY INC COM	Stock	00258W108	1,858	187	SH		SOLE	0	0	0	186
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,557,210	32,770	SH		SOLE	0	0	0	32,769
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	440,657	7,660	SH		SOLE	0	0	0	7,659
FIRST CTZNS BANCSHARES INC N C CL A	Stock	31946M103	5,523	3	SH		OTR	1	0	0	3
FORTUNE BRANDS INNOVATIONS INC COM	Stock	34964C106	5,551	62	SH		OTR	1	0	0	62
GENTEX CORP COM	Stock	371901109	4,750	160	SH		OTR	1	0	0	160
CENTERSPACE COM	REIT	15202L107	3,383	48	SH		OTR	1	0	0	48
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	91,394	1,081	SH		SOLE	0	0	0	1,081
ACADIA HEALTHCARE COMPANY INC COM	Stock	00404A109	1,839	29	SH		OTR	1	0	0	29
RECURSION PHARMACEUTICALS INC CL A	Stock	75629V104	1,812	275	SH		OTR	1	0	0	275
LIGAND PHARMACEUTICALS INC COM NEW	Stock	53220K504	3,503	35	SH		OTR	1	0	0	35
DAY ONE BIOPHARMACEUTICALS INC COM	Stock	23954D109	2,730	196	SH		OTR	1	0	0	196
VISA INC COM CL A	Stock	92826C839	4,399	16	SH		OTR	1	0	0	16
VISA INC COM CL A	Stock	92826C839	106,026	386	SH		SOLE	0	0	0	385
WENDYS CO COM	Stock	95058W100	2,348	134	SH		OTR	1	0	0	134
DFA U.S. SMALL CAP ETF	ETF	25434V500	174,403	2,689	SH		SOLE	0	0	0	2,688
DFA U.S. TARGETED VALUE ETF	ETF	25434V609	176,644	3,175	SH		SOLE	0	0	0	3,175
DIMENSIONAL U.S. EQUITY MARKET ETF	ETF	25434V401	1,434,984	23,070	SH		SOLE	0	0	0	23,070
HERTZ GLOBAL HLDGS INC COM NEW	Stock	42806J700	1,673	507	SH		OTR	1	0	0	507
HERSHEY CO COM	Stock	427866108	6,137	32	SH		OTR	1	0	0	32
LUCID GROUP INC COM	Stock	549498103	2,397	679	SH		OTR	1	0	0	679
ROBINHOOD MKTS INC COM CL A	Stock	770700102	4,169	178	SH		OTR	1	0	0	178
GXO LOGISTICS INCORPORATED COMMON STOCK	Stock	36262G101	885	17	SH		OTR	1	0	0	17
HOMESTREET INC COM	Stock	43785V102	4,429	281	SH		OTR	1	0	0	281
JACKSON FINANCIAL INC COM CL A	Stock	46817M107	4,288	47	SH		OTR	1	0	0	47
ASTRIA THERAPEUTICS INC COM	Stock	04635X102	3,281	298	SH		OTR	1	0	0	298
DFA INTERNATIONAL VALUE ETF	ETF	25434V807	277,521	7,288	SH		SOLE	0	0	0	7,287
ROIVANT SCIENCES LTD SHS	Stock	G76279101	2,781	241	SH		OTR	1	0	0	241
TITAN INTL INC ILL COM	Stock	88830M102	3,520	433	SH		OTR	1	0	0	433
ALLISON TRANSMISSION HLDGS INC COM	Stock	01973R101	2,594	27	SH		OTR	1	0	0	27
KYNDRYL HLDGS INC COMMON STOCK	Stock	50155Q100	666	29	SH		SOLE	0	0	0	29
ISHARES J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	464286517	19,561	509	SH		SOLE	0	0	0	508
VANGUARD VALUE ETF	ETF	922908744	5,766,046	33,030	SH		SOLE	0	0	0	33,029
PERIMETER SOLUTIONS SA COMMON STOCK	Stock	L7579L106	5,999	446	SH		OTR	1	0	0	446
COSTAR GROUP INC COM	Stock	22160N109	3,772	50	SH		OTR	1	0	0	50
MID-AMER APT CMNTYS INC COM	REIT	59522J103	2,542	16	SH		OTR	1	0	0	16
L3HARRIS TECHNOLOGIES INC COM	Stock	502431109	5,709	24	SH		OTR	1	0	0	24
PHILLIPS 66 COM	Stock	718546104	7,361	56	SH		OTR	1	0	0	56
IRON MTN INC DEL COM	REIT	46284V101	11,170	94	SH		OTR	1	0	0	94
TILLYS INC CL A	Stock	886885102	1,836	360	SH		OTR	1	0	0	360
EAGLE MATLS INC COM	Stock	26969P108	6,904	24	SH		OTR	1	0	0	24
DOORDASH INC CL A	Stock	25809K105	4,282	30	SH		OTR	1	0	0	30
META PLATFORMS INC CL A	Stock	30303M102	49,802	87	SH		OTR	1	0	0	87
META PLATFORMS INC CL A	Stock	30303M102	143,110	250	SH		SOLE	0	0	0	250
ZIMVIE INC COM	Stock	98888T107	143	9	SH		SOLE	0	0	0	9
EMBECTA CORP COMMON STOCK	Stock	29082K105	14	1	SH		SOLE	0	0	0	1
EMBECTA CORP COMMON STOCK	Stock	29082K105	212	15	SH		OTR	1	0	0	15
ESAB CORPORATION COM	Stock	29605J106	2,020	19	SH		OTR	1	0	0	19
SERVICENOW INC COM	Stock	81762P102	16,993	19	SH		OTR	1	0	0	19
WESBANCO INC COM	Stock	950810101	3,335	112	SH		OTR	1	0	0	112
PACKAGING CORP AMER COM	Stock	695156109	8,831	41	SH		OTR	1	0	0	41
DIMENSIONAL US MARKETWIDE VALUE ETF	ETF	25434V724	744,410	17,856	SH		SOLE	0	0	0	17,855
FIVE BELOW INC COM	Stock	33829M101	2,827	32	SH		OTR	1	0	0	32
CNO FINL GROUP INC COM	Stock	12621E103	8,951	255	SH		OTR	1	0	0	255
PALO ALTO NETWORKS INC COM	Stock	697435105	13,330	39	SH		OTR	1	0	0	39
TOLL BROTHERS INC COM	Stock	889478103	6,643	43	SH		OTR	1	0	0	43
FMC CORP COM NEW	Stock	302491303	0	0	SH		SOLE	0	0	0	0
MONDELEZ INTL INC CL A	Stock	609207105	8,546	116	SH		OTR	1	0	0	116
WP CAREY INC COM	REIT	92936U109	1,994	32	SH		OTR	1	0	0	32
BROADCOM INC COM	Stock	11135F101	40,365	234	SH		SOLE	0	0	0	234
BROADCOM INC COM	Stock	11135F101	91,425	530	SH		OTR	1	0	0	530
SCHWAB MUNICIPAL BOND ETF	ETF	808524649	10,648	203	SH		SOLE	0	0	0	202
DIAMONDBACK ENERGY INC COM	Stock	25278X109	10,516	61	SH		SOLE	0	0	0	61
RXO INC COMMON STOCK	Stock	74982T103	476	17	SH		OTR	1	0	0	17
DFA EMERGING MARKETS SUSTAINABILITY CORE 1 ETF	ETF	25434V682	77,494	2,188	SH		SOLE	0	0	0	2,187
DFA INTERNATIONAL SUSTAINABILITY CORE 1 ETF	ETF	25434V690	220,672	6,175	SH		SOLE	0	0	0	6,175
DIMENSIONAL US SUSTAINABILITY CORE 1 ETF	ETF	25434V716	176,590	4,750	SH		SOLE	0	0	0	4,749
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	4,250	86	SH		SOLE	0	0	0	86
U HAUL HOLDING COMPANY COM SER N	Stock	023586506	3,168	44	SH		OTR	1	0	0	44
D R HORTON INC COM	Stock	23331A109	12,972	68	SH		OTR	1	0	0	68
D R HORTON INC COM	Stock	23331A109	23,655	124	SH		SOLE	0	0	0	124
JOHNSON CTLS INTL PLC SHS	Stock	G51502105	3,337	43	SH		OTR	1	0	0	43
CROWN HLDGS INC COM	Stock	228368106	2,109	22	SH		OTR	1	0	0	22
CANADIAN PACIFIC KANSAS CITY COM	Stock	13646K108	10,923	128	SH		SOLE	0	0	0	127
MARTIN MARIETTA MATLS INC COM	Stock	573284106	6,997	13	SH		OTR	1	0	0	13
TIMKEN CO COM	Stock	887389104	2,866	34	SH		OTR	1	0	0	34
INVESCO FTSE RAFI US 1500 SMALL-MID ETF	ETF	46137V597	25,969	625	SH		SOLE	0	0	0	625
NOVARTIS AG SPONSORED ADR	ADR	66987V109	23,809	207	SH		SOLE	0	0	0	207
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	7,398,887	94,797	SH		SOLE	0	0	0	94,796
COMMERCIAL METALS CO COM	Stock	201723103	2,748	50	SH		OTR	1	0	0	50
COMSTOCK RES INC COM	Stock	205768302	2,949	265	SH		OTR	1	0	0	265
EXPEDITORS INTL WASH INC COM	Stock	302130109	22,207	169	SH		OTR	1	0	0	169
KINDER MORGAN INC DEL COM	Stock	49456B101	4,374	198	SH		OTR	1	0	0	198
SLM CORP COM	Stock	78442P106	3,453	151	SH		OTR	1	0	0	151
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	31,460	89	SH		SOLE	0	0	0	89
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	42,418	120	SH		OTR	1	0	0	120
EQUIFAX INC COM	Stock	294429105	4,702	16	SH		OTR	1	0	0	16
NORTHERN TR CORP COM	Stock	665859104	2,701	30	SH		OTR	1	0	0	30
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK	Stock	36266G107	939	10	SH		OTR	1	0	0	10
OMNICOM GROUP INC COM	Stock	681919106	2,998	29	SH		OTR	1	0	0	29
AES CORP COM	Stock	00130H105	2,949	147	SH		OTR	1	0	0	147
MILLERKNOLL INC COM	Stock	600544100	8,022	324	SH		OTR	1	0	0	324
NVIDIA CORPORATION COM	Stock	67066G104	2,429	20	SH		SOLE	0	0	0	20
NVIDIA CORPORATION COM	Stock	67066G104	61,934	510	SH		OTR	1	0	0	510
ARCHER DANIELS MIDLAND CO COM	Stock	039483102	9,738	163	SH		OTR	1	0	0	163
BALL CORP COM	Stock	058498106	3,192	47	SH		OTR	1	0	0	47
EOG RES INC COM	Stock	26875P101	8,359	68	SH		OTR	1	0	0	68
MOSAIC CO NEW COM	Stock	61945C103	1,901	71	SH		OTR	1	0	0	71
ABBVIE INC COM	Stock	00287Y109	16,391	83	SH		OTR	1	0	0	83
CANADIAN IMPERIAL BK COMM COM	Stock	136069101	12,268	200	SH		SOLE	0	0	0	200
S&P GLOBAL INC COM	Stock	78409V104	5,166	10	SH		OTR	1	0	0	10
S&P GLOBAL INC COM	Stock	78409V104	10,199	20	SH		SOLE	0	0	0	19
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	2,238,005	38,983	SH		SOLE	0	0	0	38,982
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	1,325,484	17,647	SH		SOLE	0	0	0	17,647
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	965,860	15,331	SH		SOLE	0	0	0	15,331
NORWEGIAN CRUISE LINE HLDG LTD SHS	Stock	G66721104	2,277	111	SH		OTR	1	0	0	111
PROG HOLDINGS INC COM NPV	Stock	74319R101	16,300	336	SH		SOLE	0	0	0	336
LENNOX INTL INC COM	Stock	526107107	3,626	6	SH		OTR	1	0	0	6
KENVUE INC COM	Stock	49177J102	7,957	344	SH		OTR	1	0	0	344
NATIONAL FUEL GAS CO COM	Stock	636180101	4,485	74	SH		OTR	1	0	0	74
POTLATCHDELTIC CORPORATION COM	REIT	737630103	1,892	42	SH		OTR	1	0	0	42
WEST PHARMACEUTICAL SVSC INC COM	Stock	955306105	12,006	40	SH		OTR	1	0	0	40
INVESCO LTD SHS	Stock	G491BT108	7,832	446	SH		OTR	1	0	0	446
CELANESE CORP DEL COM	Stock	150870103	3,807	28	SH		OTR	1	0	0	28
HEICO CORP NEW COM	Stock	422806109	12,813	49	SH		OTR	1	0	0	49
KNIFE RIVER CORP COMMON STOCK	Stock	498894104	1,341	15	SH		OTR	1	0	0	15
ORCHID IS CAP INC COM NEW	REIT	68571X301	2,376	289	SH		OTR	1	0	0	289
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	874039100	1,216	7	SH		SOLE	0	0	0	7
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	253,326	892	SH		SOLE	0	0	0	891
INVESCO S&P 500 QUALITY ETF	ETF	46137V241	55,827	830	SH		SOLE	0	0	0	829
ANSYS INC COM	Stock	03662Q105	9,240	29	SH		OTR	1	0	0	29
JACOBS SOLUTIONS INC COM	Stock	46982L108	2,880	22	SH		OTR	1	0	0	22
POLARIS INC COM	Stock	731068102	14,858	178	SH		SOLE	0	0	0	178
PHINIA INC COMMON STOCK	Stock	71880K101	552	12	SH		OTR	1	0	0	12
APOGEE THERAPEUTICS INC COM	Stock	03770N101	5,522	94	SH		OTR	1	0	0	94
INDEPENDENT BANK GROUP INC COM	Stock	45384B106	8,937	155	SH		OTR	1	0	0	155
ZIMMER BIOMET HOLDINGS INC COM	Stock	98956P102	2,699	25	SH		OTR	1	0	0	25
ZIMMER BIOMET HOLDINGS INC COM	Stock	98956P102	10,152	94	SH		SOLE	0	0	0	94
LIBERTY MEDIA CORP DEL COM LBTY LIV S C	Stock	531229722	103	2	SH		OTR	1	0	0	2
BRIGHT HORIZONS FAM SOL IN DEL COM	Stock	109194100	3,643	26	SH		OTR	1	0	0	26
T-MOBILE US INC COM	Stock	872590104	14,652	71	SH		OTR	1	0	0	71
VOYA FINANCIAL INC COM	Stock	929089100	3,248	41	SH		OTR	1	0	0	41
AMBAC FINL GROUP INC COM NEW	Stock	023139884	2,018	180	SH		OTR	1	0	0	180
BLACKSTONE MTG TR INC COM CL A	REIT	09257W100	2,547	134	SH		OTR	1	0	0	134
FASTENAL CO COM	Stock	311900104	5,285	74	SH		OTR	1	0	0	74
GENERAL DYNAMICS CORP COM	Stock	369550108	19,039	63	SH		SOLE	0	0	0	63
DISCOVER FINL SVCS COM	Stock	254709108	3,618	26	SH		SOLE	0	0	0	25
EQT CORP COM	Stock	26884L109	9,710	265	SH		OTR	1	0	0	265
HAIN CELESTIAL GROUP INC COM	Stock	405217100	2,270	263	SH		OTR	1	0	0	263
MCDONALDS CORP COM	Stock	580135101	1,224	4	SH		SOLE	0	0	0	4
MCDONALDS CORP COM	Stock	580135101	6,090	20	SH		OTR	1	0	0	20
MOLINA HEALTHCARE INC COM	Stock	60855R100	6,547	19	SH		OTR	1	0	0	19
AMETEK INC COM	Stock	031100100	12,535	73	SH		OTR	1	0	0	73
GLOBAL X URANIUM ETF	ETF	37954Y871	173,377	6,060	SH		SOLE	0	0	0	6,060
FLEXSHARES QUALITY DIVIDEND INDEX FUND	ETF	33939L860	1,306,600	18,221	SH		SOLE	0	0	0	18,220
INTERCONTINENTAL EXCHANGE INC COM	Stock	45866F104	2,249	14	SH		OTR	1	0	0	14
INTERCONTINENTAL EXCHANGE INC COM	Stock	45866F104	12,483	78	SH		SOLE	0	0	0	77
CISCO SYS INC COM	Stock	17275R102	11,549	217	SH		SOLE	0	0	0	217
CISCO SYS INC COM	Stock	17275R102	36,136	679	SH		OTR	1	0	0	679
FLEXSHARES INTERNATIONAL QUALITY DIVIDEND INDEX FUND	ETF	33939L837	1,165,690	44,340	SH		SOLE	0	0	0	44,339
CAPITAL ONE FINL CORP COM	Stock	14040H105	2,845	19	SH		OTR	1	0	0	19
ADVANCED MICRO DEVICES INC COM	Stock	007903107	24,448	149	SH		OTR	1	0	0	149
ISHARES BITCOIN TRUST ETF	ETF	46438F101	6,034	167	SH		SOLE	0	0	0	167
AT&T INC COM	Stock	00206R102	22,022	1,001	SH		OTR	1	0	0	1,001
AT&T INC COM	Stock	00206R102	39,160	1,780	SH		SOLE	0	0	0	1,780
REXFORD INDL RLTY INC COM	REIT	76169C100	6,037	120	SH		OTR	1	0	0	120
FLEXSHARES QUALITY DIVIDEND DEFENSIVE INDEX FUND	ETF	33939L845	2,005,001	28,038	SH		SOLE	0	0	0	28,038
GE VERNOVA INC COM	Stock	36828A101	3,315	13	SH		OTR	1	0	0	13
GE VERNOVA INC COM	Stock	36828A101	5,865	23	SH		SOLE	0	0	0	23
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY ETF	ETF	808524763	199,859	3,355	SH		SOLE	0	0	0	3,355
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF	ETF	808524771	5,307,743	73,965	SH		SOLE	0	0	0	73,965
GE AEROSPACE COM NEW	Stock	369604301	10,372	55	SH		OTR	1	0	0	55
GE AEROSPACE COM NEW	Stock	369604301	17,538	93	SH		SOLE	0	0	0	93
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	7,094,258	39,566	SH		SOLE	0	0	0	39,566
FRESHPET INC COM	Stock	358039105	4,377	32	SH		OTR	1	0	0	32
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	2,634	19	SH		SOLE	0	0	0	19
SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF	ETF	808524730	1,898,928	58,845	SH		SOLE	0	0	0	58,844
SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF	ETF	808524755	14,905,999	398,876	SH		SOLE	0	0	0	398,876
VEEVA SYS INC CL A COM	Stock	922475108	3,568	17	SH		OTR	1	0	0	17
SKYWORKS SOLUTIONS INC COM	Stock	83088M102	2,864	29	SH		OTR	1	0	0	29
INVESCO FTSE RAFI DEVELOPED MARKETS EX-U.S. ETF	ETF	46138E743	2,023,915	38,824	SH		SOLE	0	0	0	38,824
ISHARES S&P 500 VALUE ETF	ETF	464287408	21,689	110	SH		SOLE	0	0	0	110
SPDR PORTFOLIO S&P 600 SMALL CAP ETF	ETF	78468R853	42,013	923	SH		SOLE	0	0	0	923
AMENTUM HOLDINGS INC COM	Stock	023939101	710	22	SH		OTR	1	0	0	22
LULULEMON ATHLETICA INC COM	Stock	550021109	3,528	13	SH		OTR	1	0	0	13
CHEGG INC COM	Stock	163092109	1,352	764	SH		OTR	1	0	0	764
ISHARES S&P 500 GROWTH ETF	ETF	464287309	126,029	1,316	SH		SOLE	0	0	0	1,316
ISHARES CORE S&P 500 ETF	ETF	464287200	11,617,449	20,141	SH		SOLE	0	0	0	20,140
KONTOOR BRANDS INC COM	Stock	50050N103	9,246	113	SH		SOLE	0	0	0	113
THE CIGNA GROUP COM	Stock	125523100	4,157	12	SH		SOLE	0	0	0	12
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	ETF	808524672	151,140	5,775	SH		SOLE	0	0	0	5,775
METTLER TOLEDO INTERNATIONAL COM	Stock	592688105	10,498	7	SH		OTR	1	0	0	7
RENAISSANCERE HLDGS LTD COM	Stock	G7496G103	4,086	15	SH		OTR	1	0	0	15
WELLS FARGO CO NEW COM	Stock	949746101	18,981	336	SH		OTR	1	0	0	336
CINTAS CORP COM	Stock	172908105	10,706	52	SH		OTR	1	0	0	52
BREAD FINANCIAL HOLDINGS INC COM	Stock	018581108	2,855	60	SH		OTR	1	0	0	60
RADIAN GROUP INC COM	Stock	750236101	4,961	143	SH		OTR	1	0	0	143
SALESFORCE INC COM	Stock	79466L302	29,643	108	SH		SOLE	0	0	0	108
MICROCHIP TECHNOLOGY INC. COM	Stock	595017104	4,015	50	SH		OTR	1	0	0	50
MCCORMICK & CO INC COM NON VTG	Stock	579780206	2,469	30	SH		OTR	1	0	0	30
NORTHROP GRUMMAN CORP COM	Stock	666807102	14,258	27	SH		OTR	1	0	0	27
IDEXX LABS INC COM	Stock	45168D104	10,610	21	SH		OTR	1	0	0	21
REPUBLIC SVCS INC COM	Stock	760759100	3,414	17	SH		OTR	1	0	0	17
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	4,949	8	SH		OTR	1	0	0	8
TORO CO COM	Stock	891092108	2,168	25	SH		OTR	1	0	0	25
LOCKHEED MARTIN CORP COM	Stock	539830109	9,353	16	SH		OTR	1	0	0	16
JPMORGAN CHASE & CO. COM	Stock	46625H100	14,460	69	SH		SOLE	0	0	0	68
JPMORGAN CHASE & CO. COM	Stock	46625H100	72,114	342	SH		OTR	1	0	0	342
GENWORTH FINL INC COM SHS	Stock	37247D106	3,685	538	SH		OTR	1	0	0	538
CHEVRON CORP NEW COM	Stock	166764100	4,124	28	SH		SOLE	0	0	0	28
CHEVRON CORP NEW COM	Stock	166764100	17,820	121	SH		OTR	1	0	0	121
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	28,454	262	SH		SOLE	0	0	0	261
CONOCOPHILLIPS COM	Stock	20825C104	12,002	114	SH		OTR	1	0	0	114
MARKEL GROUP INC COM	Stock	570535104	3,137	2	SH		OTR	1	0	0	2
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	1,951,726	36,958	SH		SOLE	0	0	0	36,957
DANAHER CORPORATION COM	Stock	235851102	7,229	26	SH		OTR	1	0	0	26
M & T BK CORP COM	Stock	55261F104	9,262	52	SH		OTR	1	0	0	52
REVVITY INC COM	Stock	714046109	6,771	53	SH		OTR	1	0	0	53
TJX COS INC NEW COM	Stock	872540109	12,915	110	SH		SOLE	0	0	0	109
BANK AMERICA CORP COM	Stock	060505104	5,277	133	SH		SOLE	0	0	0	132
BANK AMERICA CORP COM	Stock	060505104	27,657	697	SH		OTR	1	0	0	697
BANK AMERICA CORP COM	Stock	060505104	825,343	20,800	SH	Put	SOLE	0	0	0	20,800
BANK AMERICA CORP COM	Stock	060505104	1,241,983	31,300	SH	Put	SOLE	0	0	0	31,300
VANECK RUSSIA ETF	ETF	92189F403	0	15	SH		SOLE	0	0	0	14
EXTRA SPACE STORAGE INC COM	REIT	30225T102	7,027	39	SH		OTR	1	0	0	39
VANGUARD CONSUMER DISCRETIONARY ETF	ETF	92204A108	278,732	819	SH		SOLE	0	0	0	818
WALMART INC COM	Stock	931142103	35,853	444	SH		SOLE	0	0	0	444
WALMART INC COM	Stock	931142103	81,154	1,005	SH		OTR	1	0	0	1,005
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	44,984	203	SH		SOLE	0	0	0	203
ORACLE CORP COM	Stock	68389X105	58,277	342	SH		OTR	1	0	0	342
ORACLE CORP COM	Stock	68389X105	675,944	3,967	SH		SOLE	0	0	0	3,966
RTX CORPORATION COM	Stock	75513E101	9,814	81	SH		SOLE	0	0	0	81
RTX CORPORATION COM	Stock	75513E101	26,049	215	SH		OTR	1	0	0	215
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,502,246	52,294	SH		SOLE	0	0	0	52,293
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	1,680,774	13,111	SH		SOLE	0	0	0	13,110
PFIZER INC COM	Stock	717081103	15,541	537	SH		OTR	1	0	0	537
MORGAN STANLEY COM NEW	Stock	617446448	6,014	58	SH		SOLE	0	0	0	57
MORGAN STANLEY COM NEW	Stock	617446448	13,760	132	SH		OTR	1	0	0	132
3M CO COM	Stock	88579Y101	9,979	73	SH		OTR	1	0	0	73
KLA CORP COM NEW	Stock	482480100	27,879	36	SH		OTR	1	0	0	36
SCHWAB FUNDAMENTAL U.S. BROAD MARKET ETF	ETF	808524789	1,081,633	15,371	SH		SOLE	0	0	0	15,370
GILEAD SCIENCES INC COM	Stock	375558103	21,128	252	SH		OTR	1	0	0	252
CATERPILLAR INC COM	Stock	149123101	6,649	17	SH		OTR	1	0	0	17
BAKER HUGHES COMPANY CL A	Stock	05722G100	21,401	592	SH		OTR	1	0	0	592
ALPHABET INC CAP STK CL C	Stock	02079K107	474,903	2,840	SH		SOLE	0	0	0	2,840
BEST BUY INC COM	Stock	086516101	3,099	30	SH		OTR	1	0	0	30
AMERICAN EXPRESS CO COM	Stock	025816109	8,678	32	SH		OTR	1	0	0	32
OTIS WORLDWIDE CORP COM	Stock	68902V107	2,183	21	SH		SOLE	0	0	0	21
OTIS WORLDWIDE CORP COM	Stock	68902V107	18,397	177	SH		OTR	1	0	0	177
ANALOG DEVICES INC COM	Stock	032654105	18,183	79	SH		OTR	1	0	0	79
PAYCOM SOFTWARE INC COM	Stock	70432V102	1,166	7	SH		OTR	1	0	0	7
TRANSDIGM GROUP INC COM	Stock	893641100	19,980	14	SH		OTR	1	0	0	14
HUMANA INC COM	Stock	444859102	6,652	21	SH		OTR	1	0	0	21
INVESCO FTSE RAFI EMERGING MARKETS ETF	ETF	46138E727	626,244	28,530	SH		SOLE	0	0	0	28,530
REDWOOD TRUST INC COM	REIT	758075402	2,234	289	SH		OTR	1	0	0	289
WILLIAMS COS INC COM	Stock	969457100	4,839	106	SH		OTR	1	0	0	106
CARETRUST REIT INC COM	REIT	14174T107	3,055	99	SH		OTR	1	0	0	99
AGNICO EAGLE MINES LTD COM	Stock	008474108	585,591	7,269	SH		SOLE	0	0	0	7,269
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	532,368	2,688	SH		SOLE	0	0	0	2,687
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	198,067	2,926	SH		SOLE	0	0	0	2,925
ECHOSTAR CORP CL A	Stock	278768106	8,588	346	SH		SOLE	0	0	0	346
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	1,382,030	13,647	SH		SOLE	0	0	0	13,646
ANTERO RESOURCES CORP COM	Stock	03674X106	6,675	233	SH		OTR	1	0	0	233
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	4,601,806	73,406	SH		SOLE	0	0	0	73,405
SAGE THERAPEUTICS INC COM	Stock	78667J108	1,177	163	SH		OTR	1	0	0	163
LIBERTY MEDIA CORP DEL COM LBTY ONE S C	Stock	531229755	5,420	70	SH		OTR	1	0	0	70
CATALENT INC COM	Stock	148806102	2,181	36	SH		OTR	1	0	0	36
SYNCHRONY FINANCIAL COM	Stock	87165B103	4,888	98	SH		OTR	1	0	0	98
SYNCHRONY FINANCIAL COM	Stock	87165B103	14,324	287	SH		SOLE	0	0	0	287
HEALTHEQUITY INC COM	Stock	42226A107	15,552	190	SH		SOLE	0	0	0	190
EATON CORP PLC SHS	Stock	G29183103	12,595	38	SH		OTR	1	0	0	38
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	18,347	170	SH		SOLE	0	0	0	170
ASPEN AEROGELS INC COM	Stock	04523Y105	7,504	271	SH		OTR	1	0	0	271
FIRST FNDTN INC COM	Stock	32026V104	1,991	319	SH		OTR	1	0	0	319
KEYSIGHT TECHNOLOGIES INC COM	Stock	49338L103	1,271	8	SH		SOLE	0	0	0	8
VANGUARD LONG-TERM BOND ETF	ETF	921937793	1,920	26	SH		SOLE	0	0	0	25
C H ROBINSON WORLDWIDE INC COM NEW	Stock	12541W209	3,863	35	SH		SOLE	0	0	0	35
C H ROBINSON WORLDWIDE INC COM NEW	Stock	12541W209	9,050	82	SH		OTR	1	0	0	82
CRACKER BARREL OLD CTRY STORE COM	Stock	22410J106	1,950	43	SH		OTR	1	0	0	43
DELTA AIR LINES INC DEL COM NEW	Stock	247361702	9,367	184	SH		SOLE	0	0	0	184
MARKETAXESS HLDGS INC COM	Stock	57060D108	2,306	9	SH		OTR	1	0	0	9
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	196,706	2,500	SH		SOLE	0	0	0	2,499
GABELLI EQUITY TR INC COM	CEF	362397101	16,470	3,000	SH		SOLE	0	0	0	3,000
GARTNER INC COM	Stock	366651107	17,230	34	SH		OTR	1	0	0	34
GLACIER BANCORP INC NEW COM	Stock	37637Q105	3,382	74	SH		OTR	1	0	0	74
HELMERICH & PAYNE INC COM	Stock	423452101	5,719	188	SH		OTR	1	0	0	188
JAMES RIV GROUP LTD COM	Stock	G5005R107	1,492	238	SH		OTR	1	0	0	238
LAM RESEARCH CORP COM NEW	Stock	512807306	7,345	9	SH		OTR	1	0	0	9
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	3,856,867	72,964	SH		SOLE	0	0	0	72,963
QORVO INC COM	Stock	74736K101	2,169	21	SH		OTR	1	0	0	21
PHILIP MORRIS INTL INC COM	Stock	718172109	6,677	55	SH		SOLE	0	0	0	55
PHILIP MORRIS INTL INC COM	Stock	718172109	16,632	137	SH		OTR	1	0	0	137
NRG ENERGY INC COM NEW	Stock	629377508	13,301	146	SH		OTR	1	0	0	146
BANK MARIN BANCORP COM	Stock	063425102	3,717	185	SH		OTR	1	0	0	185
ROYAL GOLD INC COM	Stock	780287108	3,087	22	SH		OTR	1	0	0	22
SERVICE CORP INTL COM	Stock	817565104	8,130	103	SH		OTR	1	0	0	103
SYNOPSYS INC COM	Stock	871607107	11,647	23	SH		OTR	1	0	0	23
TRINITY INDS INC COM	Stock	896522109	3,101	89	SH		OTR	1	0	0	89
EQUINIX INC COM	REIT	29444U700	1,775	2	SH		OTR	1	0	0	2
EQUINIX INC COM	REIT	29444U700	9,313	10	SH		SOLE	0	0	0	10
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	7,140	138	SH		OTR	1	0	0	138
EASTERLY GOVT PPTYS INC COM	REIT	27616P103	3,164	233	SH		OTR	1	0	0	233
ALTRIA GROUP INC COM	Stock	02209S103	5,104	100	SH		OTR	1	0	0	100
LOEWS CORP COM	Stock	540424108	4,901	62	SH		OTR	1	0	0	62
CITIGROUP INC COM NEW	Stock	172967424	14,586	233	SH		OTR	1	0	0	233
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	207,491	2,217	SH		SOLE	0	0	0	2,217
AMERICAN WTR WKS CO INC NEW COM	Stock	030420103	4,241	29	SH		OTR	1	0	0	29
CADENCE DESIGN SYSTEM INC COM	Stock	127387108	9,757	36	SH		OTR	1	0	0	36
AGILENT TECHNOLOGIES INC COM	Stock	00846U101	104,563	704	SH		SOLE	0	0	0	704
EXXON MOBIL CORP COM	Stock	30231G102	54,038	461	SH		OTR	1	0	0	461
EXXON MOBIL CORP COM	Stock	30231G102	54,164	462	SH		SOLE	0	0	0	462
UNITEDHEALTH GROUP INC COM	Stock	91324P102	13,339	23	SH		SOLE	0	0	0	22
UNITEDHEALTH GROUP INC COM	Stock	91324P102	31,573	54	SH		OTR	1	0	0	54
PRICE T ROWE GROUP INC COM	Stock	74144T108	4,357	40	SH		OTR	1	0	0	40
TRAVELERS COMPANIES INC COM	Stock	89417E109	9,365	40	SH		OTR	1	0	0	40
TRAVELERS COMPANIES INC COM	Stock	89417E109	11,833	51	SH		SOLE	0	0	0	50
LOWES COS INC COM	Stock	548661107	85,723	316	SH		SOLE	0	0	0	316
COLFAX CORP COM	Stock	194014502	818	19	SH		OTR	1	0	0	19
GODADDY INC CL A	Stock	380237107	10,975	70	SH		OTR	1	0	0	70
VIRTU FINL INC CL A	Stock	928254101	7,432	244	SH		OTR	1	0	0	244
SOUTHWEST AIRLS CO COM	Stock	844741108	3,585	121	SH		OTR	1	0	0	121
UNITI GROUP INC COM	REIT	91325V108	4,692	832	SH		OTR	1	0	0	832
DINE BRANDS GLOBAL INC COM	Stock	254423106	1,530	49	SH		OTR	1	0	0	49
ISHARES MSCI INTL QUALITY FACTOR ETF	ETF	46434V456	139,448	3,361	SH		SOLE	0	0	0	3,361
AMERICAN INTL GROUP INC COM NEW	Stock	026874784	12,669	173	SH		OTR	1	0	0	173
CHEMOURS CO COM	Stock	163851108	8,595	423	SH		OTR	1	0	0	423
TRANSUNION COM	Stock	89400J107	10,679	102	SH		OTR	1	0	0	102
NOVO-NORDISK A S ADR	ADR	670100205	86,445	726	SH		SOLE	0	0	0	726
BIO RAD LABS INC CL A	Stock	090572207	2,007	6	SH		OTR	1	0	0	6
KRAFT HEINZ CO COM	Stock	500754106	2,247	64	SH		OTR	1	0	0	64
NASDAQ INC COM	Stock	631103108	6,790	93	SH		OTR	1	0	0	93
SCHWAB CHARLES CORP COM	Stock	808513105	9,592	148	SH		OTR	1	0	0	148
DENTSPLY SIRONA INC COM	Stock	24906P109	5,033	186	SH		OTR	1	0	0	186
RAPID7 INC COM	Stock	753422104	9,494	238	SH		SOLE	0	0	0	238
CROWN CASTLE INC COM	REIT	22822V101	6,050	51	SH		OTR	1	0	0	51
AUTOZONE INC COM	Stock	053332102	9,450	3	SH		OTR	1	0	0	3
BIO-TECHNE CORP COM	Stock	09073M104	7,034	88	SH		OTR	1	0	0	88
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	616,427	12,058	SH		SOLE	0	0	0	12,058
ISHARES MSCI EAFE ETF	ETF	464287465	1,141,909	13,654	SH		SOLE	0	0	0	13,654
APPLE INC COM	Stock	037833100	156,343	671	SH		OTR	1	0	0	671
APPLE INC COM	Stock	037833100	1,201,605	5,157	SH		SOLE	0	0	0	5,157
WEC ENERGY GROUP INC COM	Stock	92939U106	145,637	1,514	SH		SOLE	0	0	0	1,514
ABBOTT LABS COM	Stock	002824100	8,893	78	SH		OTR	1	0	0	78
DISNEY WALT CO COM	Stock	254687106	14,621	152	SH		OTR	1	0	0	152
DISNEY WALT CO COM	Stock	254687106	35,109	365	SH		SOLE	0	0	0	365
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	13,167	110	SH		SOLE	0	0	0	110
ISHARES RUSSELL 1000 ETF	ETF	464287622	2,720,355	8,653	SH		SOLE	0	0	0	8,652
MARSH & MCLENNAN COS INC COM	Stock	571748102	9,593	43	SH		OTR	1	0	0	43
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	5,588,032	29,442	SH		SOLE	0	0	0	29,441
ISHARES MORNINGSTAR U.S. EQUITY ETF	ETF	464287127	579,565	7,315	SH		SOLE	0	0	0	7,314