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
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
KIWI PROPERTY GRP NPV COM 00BTDY2M7 7 10,000 SH   SOLE   10,000 0 0
AT&T INC COM 00206R102 1,474 51,717 SH   SOLE   44,921 0 6,796
AT&T INC COM 00206R102 31 1,100 SH   OTR   1,100 0 0
ABBOTT LABS COM 002824100 599 5,508 SH   SOLE   5,508 0 0
ABBVIE INC COM 00287Y109 436 4,981 SH   SOLE   4,981 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 771 1,573 SH   SOLE   1,573 0 0
AIR PRODS & CHEMS INC COM 009158106 228 766 SH   SOLE   766 0 0
ALPHABET INC CAP STK CL C 02079K107 339 231 SH   SOLE   215 0 16
AMAZON COM INC COM 023135106 583 185 SH   SOLE   179 0 6
AMAZON COM INC COM 023135106 31 10 SH   OTR   10 0 0
AMGEN INC COM 031162100 494 1,942 SH   SOLE   1,905 0 37
APPLE INC COM 037833100 2,861 24,708 SH   SOLE   24,432 0 276
APPLE INC COM 037833100 13 108 SH   OTR   0 108 0
AUTOMATIC DATA PROCESSING IN COM 053015103 233 1,670 SH   SOLE   1,670 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 440 2,066 SH   SOLE   2,066 0 0
BOEING CO COM 097023105 614 3,715 SH   SOLE   3,715 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 405 6,713 SH   SOLE   6,713 0 0
CSX CORP COM 126408103 349 4,488 SH   SOLE   4,488 0 0
CATERPILLAR INC DEL COM 149123101 1,723 11,549 SH   SOLE   11,549 0 0
CHEVRON CORP NEW COM 166764100 485 6,734 SH   SOLE   6,734 0 0
CISCO SYS INC COM 17275R102 606 15,382 SH   SOLE   15,047 0 335
COCA COLA CO COM 191216100 489 9,895 SH   OTR   9,895 0 0
COMCAST CORP NEW CL A 20030N101 655 14,150 SH   SOLE   12,144 0 2,006
CONOCOPHILLIPS COM 20825C104 204 6,217 SH   SOLE   6,217 0 0
CONSOLIDATED EDISON INC COM 209115104 288 3,698 SH   SOLE   3,698 0 0
COSTCO WHSL CORP NEW COM 22160K105 519 1,461 SH   SOLE   1,461 0 0
DISNEY WALT CO COM DISNEY 254687106 341 2,749 SH   SOLE   2,749 0 0
DOMINION ENERGY INC COM 25746U109 1,041 13,186 SH   SOLE   13,186 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 506 5,712 SH   SOLE   5,712 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 27 300 SH   OTR   300 0 0
ETF SER SOLUTIONS VIDENT INTL EQ 26922A404 586 28,047 SH   SOLE   28,047 0 0
ETF SER SOLUTIONS VIDENTCORE EQ FD 26922A503 487 16,909 SH   SOLE   16,909 0 0
ETF SER SOLUTIONS VIDENT CORE US 26922A602 276 5,333 SH   SOLE   5,333 0 0
EVERSOURCE ENERGY COM 30040W108 204 2,436 SH   SOLE   2,436 0 0
EXXON MOBIL CORP COM 30231G102 695 20,239 SH   SOLE   20,239 0 0
FEDEX CORP COM 31428X106 214 850 SH   SOLE   850 0 0
GASFRAC ENERGY SVCS INC COM 367257201 0 19,725 SH   SOLE   19,725 0 0
GENERAL ELECTRIC CO COM 369604103 247 39,694 SH   SOLE   39,694 0 0
GENERAL MLS INC COM 370334104 204 3,300 SH   SOLE   3,300 0 0
GREENHUNTER RES INC COM 39530A104 26 10,200 SH   SOLE   10,200 0 0
HOME DEPOT INC COM 437076102 1,053 3,792 SH   SOLE   3,792 0 0
HONEYWELL INTL INC COM 438516106 436 2,650 SH   SOLE   2,650 0 0
INTEL CORP COM 458140100 808 15,612 SH   SOLE   15,612 0 0
INTEL CORP COM 458140100 83 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,692 30,342 SH   SOLE   30,267 0 75
ISHARES GOLD TRUST ISHARES 464285105 193 10,754 SH   SOLE   10,754 0 0
ISHARES TR CORE US AGGBD ET 464287226 243,066 2,058,833 SH   OTR   2,057,597 0 1,236
ISHARES TR CORE US AGGBD ET 464287226 170 1,437 SH   OTR   1,437 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,445 32,778 SH   SOLE   32,778 0 0
ISHARES TR IBOXX INV CP ETF 464287242 389 2,889 SH   SOLE   2,889 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 216 1,771 SH   SOLE   1,771 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 239,188 2,764,862 SH   SOLE   2,763,982 0 880
ISHARES TR 1 3 YR TREAS BD 464287457 280 3,232 SH   OTR   1,096 2,136 0
ISHARES TR MSCI EAFE ETF 464287465 5,154 80,967 SH   SOLE   80,417 0 550
ISHARES TR RUS MID CAP ETF 464287499 590 10,282 SH   SOLE   10,282 0 0
ISHARES TR CORE S&P MCP ETF 464287507 137,671 742,922 SH   SOLE   742,570 0 352
ISHARES TR CORE S&P MCP ETF 464287507 82 441 SH   OTR   249 192 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,695 14,348 SH   SOLE   14,348 0 0
ISHARES TR RUS 1000 ETF 464287622 807 4,312 SH   SOLE   4,312 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 204 1,043 SH   SOLE   1,043 0 0
ISHARES TR S&P MC 400VL ETF 464287705 4,284 31,763 SH   SOLE   31,763 0 0
ISHARES TR CORE S&P SCP ETF 464287804 131,219 1,868,416 SH   SOLE   1,867,673 0 743
ISHARES TR CORE S&P SCP ETF 464287804 83 1,177 SH   OTR   663 514 0
ISHARES TR MSCI KLD400 SOC 464288570 832 6,504 SH   OTR   6,504 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 413,003 7,521,453 SH   SOLE   7,520,045 0 1,408
ISHARES TR ISHS 1-5YR INVS 464288646 266 4,836 SH   OTR   4,836 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 610 4,568 SH   SOLE   4,568 0 0
ISHARES TR MSCI USA ESG SLC 464288802 389 2,642 SH   SOLE   2,642 0 0
ISHARES TR CORE MSCI EAFE 46432F842 186,888 3,100,340 SH   SOLE   3,098,396 0 1,944
ISHARES TR CORE MSCI EAFE 46432F842 134 2,223 SH   OTR   1,623 600 0
ISHARES INC CORE MSCI EMKT 46434G103 149,648 2,834,233 SH   SOLE   2,831,947 0 2,286
ISHARES INC CORE MSCI EMKT 46434G103 89 1,685 SH   OTR   939 746 0
ISHARES TR CORE MSCI PAC 46434V696 377 6,692 SH   SOLE   6,692 0 0
JPMORGAN CHASE & CO COM 46625H100 626 6,501 SH   SOLE   6,406 0 95
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 8,643 170,146 SH   SOLE   170,146 0 0
JOHNSON & JOHNSON COM 478160104 1,656 11,121 SH   SOLE   11,121 0 0
LOCKHEED MARTIN CORP COM 539830109 317 828 SH   SOLE   828 0 0
MARATHON OIL CORP COM 565849106 95 23,349 SH   SOLE   23,349 0 0
MARATHON PETE CORP COM 56585A102 673 22,924 SH   SOLE   22,924 0 0
MCDONALDS CORP COM 580135101 906 4,128 SH   SOLE   4,128 0 0
MCDONALDS CORP COM 580135101 44 200 SH   OTR   200 0 0
MERCK & CO. INC COM 58933Y105 512 6,172 SH   SOLE   6,172 0 0
MERCK & CO. INC COM 58933Y105 33 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104 7,752 36,858 SH   SOLE   36,733 0 125
MICROSOFT CORP COM 594918104 9 45 SH   OTR   0 45 0
NEXTERA ENERGY INC COM 65339F101 301 1,085 SH   SOLE   1,085 0 0
NIKE INC CL B 654106103 294 2,341 SH   SOLE   2,341 0 0
NORFOLK SOUTHN CORP COM 655844108 427 1,997 SH   SOLE   1,997 0 0
NVIDIA CORPORATION COM 67066G104 3,292 6,082 SH   SOLE   6,082 0 0
OTIS WORLDWIDE CORP COM 68902V107 267 4,275 SH   SOLE   4,275 0 0
PPG INDS INC COM 693506107 325 2,666 SH   SOLE   2,666 0 0
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 6 13,150 SH   SOLE   13,150 0 0
PEPSICO INC COM 713448108 967 6,979 SH   SOLE   6,979 0 0
PEPSICO INC COM 713448108 28 200 SH   OTR   200 0 0
PFIZER INC COM 717081103 1,037 28,263 SH   SOLE   28,263 0 0
PHILIP MORRIS INTL INC COM 718172109 226 3,017 SH   SOLE   3,017 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 50,970 945,660 SH   SOLE   945,246 0 414
PROCTER AND GAMBLE CO COM 742718109 1,361 9,792 SH   OTR   9,792 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 366 6,364 SH   SOLE   6,364 0 0
S&P GLOBAL INC COM 78409V104 961 2,666 SH   SOLE   2,666 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 316,784 945,934 SH   SOLE   945,176 0 758
SPDR S&P 500 ETF TR TR UNIT 78462F103 244 728 SH   OTR   616 112 0
SPDR SER TR PORTFOLIO SHORT 78464A474 125,654 4,005,550 SH   SOLE   4,004,671 0 879
SPDR SER TR PORTFOLIO SHORT 78464A474 37 1,175 SH   OTR   1,175 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 300 884 SH   SOLE   884 0 0
SOUTHERN CO COM 842587107 497 9,163 SH   SOLE   9,163 0 0
SOUTHERN CO COM 842587107 16 300 SH   OTR   300 0 0
STARBUCKS CORP COM 855244109 722 8,400 SH   SOLE   8,400 0 0
TARGET CORP COM 87612E106 420 2,671 SH   SOLE   2,671 0 0
3M CO COM 88579Y101 372 2,322 SH   SOLE   2,322 0 0
UNION PAC CORP COM 907818108 285 1,449 SH   OTR   1,449 0 0
UNITEDHEALTH GROUP INC COM 91324P102 300 962 SH   SOLE   962 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 207 1,607 SH   SOLE   1,607 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 232 2,795 SH   SOLE   2,795 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 296 5,647 SH   SOLE   5,647 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 135,629 1,637,040 SH   SOLE   1,637,040 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 34,652 330,398 SH   SOLE   330,398 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,562 86,364 SH   SOLE   86,200 0 164
VANGUARD INDEX FDS MID CAP ETF 922908629 261 1,479 SH   SOLE   1,479 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 311 1,988 SH   SOLE   1,988 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 19,395 85,211 SH   SOLE   84,978 0 233
VANGUARD INDEX FDS VALUE ETF 922908744 270,237 2,585,748 SH   SOLE   2,584,939 0 809
VANGUARD INDEX FDS VALUE ETF 922908744 173 1,654 SH   OTR   1,316 338 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 597 3,504 SH   SOLE   3,504 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,970 33,114 SH   SOLE   30,740 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104 47 782 SH   OTR   782 0 0
WALMART INC COM 931142103 755 5,394 SH   SOLE   5,319 0 75