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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ZOETIS INC CL A 98978V103   637,546 4,350 SH   OTR 1, 2 0 0 4,350
ABBOTT LABS COM 002824100   3,458,882 31,505 SH   OTR 1, 2, 3 0 0 31,505
WARNER BROS DISCOVERY INC COM SER A 934423104   177,295 18,702 SH   OTR 1, 2 0 0 18,702
VERIZON COMMUNICATIONS INC COM 92343V104   1,649,649 41,869 SH   OTR 1, 2 0 0 41,869
ADVANCED MICRO DEVICES INC COM 007903107   284,988 4,400 SH   OTR 1 0 0 4,400
AFLAC INC COM 001055102   886,589 12,324 SH   OTR 1, 3 0 0 12,324
AIR PRODS & CHEMS INC COM 009158106   669,232 2,171 SH   OTR 1 0 0 2,171
ALLSTATE CORP COM 020002101   251,945 1,858 SH   OTR 1 0 0 1,858
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   12,645,233 116,858 SH   OTR 1, 2 0 0 116,858
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,988,015 127,963 SH   OTR 1, 2 0 0 127,963
VANGUARD INDEX FDS GROWTH ETF 922908736   3,544,019 16,630 SH   OTR 1, 2 0 0 16,630
AMAZON COM INC COM 023135106   3,188,808 37,962 SH   OTR 1 0 0 37,962
VANGUARD INDEX FDS TOTAL STK MKT 922908769   13,297,881 69,553 SH   OTR 1, 2 0 0 69,553
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,420,943 51,293 SH   OTR 1, 2 0 0 51,293
AON PLC SHS CL A G0403H108   313,046 1,043 SH   OTR 1 0 0 1,043
APA CORPORATION COM 03743Q108   294,000 6,298 SH   OTR 1 0 0 6,298
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,698,003 27,344 SH   OTR 1, 2 0 0 27,344
ARC DOCUMENT SOLUTIONS INC COM 00191G103   60,136 20,524 SH   OTR 1 0 0 20,524
ARCHER DANIELS MIDLAND CO COM 039483102   366,215 3,944 SH   OTR 1 0 0 3,944
VANGUARD INDEX FDS MID CAP ETF 922908629   495,524 2,431 SH   OTR 1, 2 0 0 2,431
ASSERTIO HOLDINGS INC COM NEW 04546C205   58,906 13,699 SH   OTR 1 0 0 13,699
ISHARES TR MSCI USA VALUE 46432F388   16,533,170 181,404 SH   OTR 1, 2 0 0 181,404
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,409,763 77,693 SH   OTR 1, 2 0 0 77,693
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   79,115,411 521,010 SH   OTR 1, 2 0 0 521,010
BATH & BODY WORKS INC COM 070830104   358,401 8,505 SH   OTR 1 0 0 8,505
BAXTER INTL INC COM 071813109   300,397 5,894 SH   OTR 1 0 0 5,894
BEL FUSE INC CL B 077347300   212,605 6,458 SH   OTR 1 0 0 6,458
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   8,903,734 28,824 SH   OTR 1, 2, 3 0 0 28,824
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   7,730,690 154,182 SH   OTR 1, 2 0 0 154,182
BLOCK H & R INC COM 093671105   258,048 7,068 SH   OTR 1 0 0 7,068
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,559,139 28,710 SH   OTR 1, 2 0 0 28,710
VANGUARD INDEX FDS SMALL CP ETF 922908751   347,808 1,895 SH   OTR 1, 2 0 0 1,895
ISHARES TR MSCI USA MIN VOL 46429B697   7,749,940 107,489 SH   OTR 1, 2 0 0 107,489
CANADIAN NAT RES LTD COM 136385101   313,522 5,646 SH   OTR 1 0 0 5,646
CANADIAN NATL RY CO COM 136375102   382,318 3,216 SH   OTR 1 0 0 3,216
CAPITAL ONE FINL CORP COM 14040H105   232,028 2,496 SH   OTR 1 0 0 2,496
CATERPILLAR INC COM 149123101   389,285 1,625 SH   OTR 1, 2, 3 0 0 1,625
CENTRAL PUERTO S A SPONSORED ADR 155038201   89,100 15,000 SH   SOLE   0 0 15,000
UNION PAC CORP COM 907818108   861,424 4,160 SH   OTR 1, 2 0 0 4,160
CHUBB LIMITED COM H1467J104   643,270 2,916 SH   OTR 1, 2, 3 0 0 2,916
CINTAS CORP COM 172908105   3,114,712 6,897 SH   OTR 1 0 0 6,897
CISCO SYS INC COM 17275R102   3,252,705 68,277 SH   OTR 1, 2, 3 0 0 68,277
ISHARES TR 20 YR TR BD ETF 464287432   1,037,688 10,423 SH   OTR 1, 2 0 0 10,423
COLGATE PALMOLIVE CO COM 194162103   395,189 5,016 SH   OTR 1 0 0 5,016
TORONTO DOMINION BK ONT COM NEW 891160509   490,104 7,568 SH   OTR 1, 2 0 0 7,568
CONOCOPHILLIPS COM 20825C104   524,392 4,444 SH   OTR 1, 3 0 0 4,444
CORPORACION AMER ARPTS S A COM L1995B107   2,745,585 314,500 SH   SOLE   0 0 314,500
AT&T INC COM 00206R102   1,703,179 92,514 SH   OTR 1, 2 0 0 92,514
S&P GLOBAL INC COM 78409V104   297,427 888 SH   OTR 1, 2 0 0 888
CVS HEALTH CORP COM 126650100   352,072 3,778 SH   OTR 1 0 0 3,778
DEERE & CO COM 244199105   314,281 733 SH   OTR 1 0 0 733
SOUTHERN CO COM 842587107   1,499,641 21,000 SH   OTR 1, 2 0 0 21,000
SMUCKER J M CO COM NEW 832696405   405,182 2,557 SH   OTR 1, 2 0 0 2,557
ISHARES TR 0-5YR HI YL CP 46434V407   654,935 16,017 SH   OTR 1, 2 0 0 16,017
DOMINION ENERGY INC COM 25746U109   560,985 9,148 SH   OTR 1 0 0 9,148
SHELL PLC SPON ADS 780259305   460,612 8,088 SH   OTR 1, 2 0 0 8,088
ROYAL BK CDA SUSTAINABL COM 780087102   449,604 4,782 SH   OTR 1, 2 0 0 4,782
EMERSON ELEC CO COM 291011104   946,122 9,849 SH   OTR 1, 2, 3 0 0 9,849
PEPSICO INC COM 713448108   7,557,967 41,835 SH   OTR 1, 2 0 0 41,835
ENERGY SVCS ACQUISITION CORP COM 29271Q103   1,189,181 462,105 SH   SOLE   0 0 462,105
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   835,648 70,400 SH   SOLE   0 0 70,400
ENTERPRISE PRODS PARTNERS L COM 293792107   403,769 16,740 SH   SOLE   0 0 16,740
NOVARTIS AG SPONSORED ADR 66987V109   468,115 5,160 SH   OTR 1, 2 0 0 5,160
EXACT SCIENCES CORP COM 30063P105   303,100 6,122 SH   OTR 1 0 0 6,122
EXXON MOBIL CORP COM 30231G102   4,623,457 41,917 SH   OTR 1, 2, 3 0 0 41,917
FACTSET RESH SYS INC COM 303075105   238,319 594 SH   OTR 1 0 0 594
NEXTERA ENERGY INC COM 65339F101   246,202 2,945 SH   OTR 1, 2 0 0 2,945
FISERV INC COM 337738108   283,906 2,809 SH   OTR 1 0 0 2,809
FREEPORT-MCMORAN INC CL B 35671D857   537,776 14,152 SH   OTR 1, 2, 3 0 0 14,152
GENERAL DYNAMICS CORP COM 369550108   3,142,132 12,664 SH   OTR 1, 2, 3 0 0 12,664
GENERAL MLS INC COM 370334104   525,800 6,271 SH   OTR 1 0 0 6,271
GENUINE PARTS CO COM 372460105   337,303 1,944 SH   OTR 1 0 0 1,944
GILEAD SCIENCES INC COM 375558103   230,115 2,680 SH   OTR 1 0 0 2,680
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   471,058 10,655 SH   SOLE   0 0 10,655
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   1,195,536 41,541 SH   OTR 2 0 0 41,541
GRAINGER W W INC COM 384802104   219,719 395 SH   OTR 1, 3 0 0 395
GREENLIGHT CAPITAL RE LTD CLASS A G4095J109   114,182 14,010 SH   OTR 1 0 0 14,010
GRUPO AEROPUERTO DEL PACIFIC SPON ADR B 400506101   544,765 3,788 SH   OTR 1 0 0 3,788
HCA HEALTHCARE INC COM 40412C101   569,453 2,373 SH   OTR 1, 3 0 0 2,373
HERSHEY CO COM 427866108   359,628 1,553 SH   OTR 1 0 0 1,553
HOME DEPOT INC COM 437076102   7,606,688 24,082 SH   OTR 1, 2, 3 0 0 24,082
ISHARES TR MSCI USA MMENTM 46432F396   25,159,202 172,406 SH   OTR 1, 2 0 0 172,406
HUDSON PAC PPTYS INC COM 444097109   194,600 20,000 SH   SOLE   0 0 20,000
ILLINOIS TOOL WKS INC COM 452308109   671,915 3,050 SH   OTR 1 0 0 3,050
INFOSYS LTD SPONSORED ADR 456788108   317,408 17,624 SH   OTR 1 0 0 17,624
MICROSOFT CORP COM 594918104   14,188,117 59,162 SH   OTR 1, 2 0 0 59,162
INTERNATIONAL BUSINESS MACHS COM 459200101   1,126,487 7,996 SH   OTR 1, 2, 3 0 0 7,996
INTUITIVE SURGICAL INC COM NEW 46120E602   512,126 1,930 SH   OTR 1 0 0 1,930
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   209,656 3,281 SH   SOLE   0 0 3,281
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   620,639 24,140 SH   SOLE   0 0 24,140
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   342,411 4,002 SH   OTR 1 0 0 4,002
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   540,988 3,830 SH   SOLE   0 0 3,830
ALTRIA GROUP INC COM 02209S103   4,944,271 108,166 SH   OTR 1, 2 0 0 108,166
3M CO COM 88579Y101   447,661 3,733 SH   OTR 1, 2 0 0 3,733
ISHARES INC ESG AWR MSCI EM 46434G863   379,092 12,607 SH   OTR 2 0 0 12,607
ISHARES TR IBONDS DEC2026 46435GAA0   793,900 34,000 SH   SOLE   0 0 34,000
ISHARES TR FALN ANGLS USD 46435G474   352,329 14,317 SH   OTR 2 0 0 14,317
ISHARES TR ESG AWARE MSCI 46435U663   258,108 7,850 SH   SOLE   0 0 7,850
ISHARES TR U S EQUITY FACTR 46434V282   57,511,422 1,474,274 SH   OTR 1, 2 0 0 1,474,274
ISHARES TR GNMA BOND ETF 46429B333   515,752 11,855 SH   OTR 2 0 0 11,855
COCA COLA CO COM 191216100   2,180,519 34,280 SH   OTR 1, 2 0 0 34,280
ISHARES TR US TREAS BD ETF 46429B267   7,565,415 332,985 SH   OTR 2 0 0 332,985
KIMBERLY-CLARK CORP COM 494368103   249,916 1,841 SH   OTR 1, 2 0 0 1,841
ISHARES TR U.S. ENERGY ETF 464287796   3,954,675 85,065 SH   OTR 1, 2 0 0 85,065
ISHARES TR CORE S&P TTL STK 464287150   19,276,134 227,313 SH   OTR 1, 2 0 0 227,313
ISHARES TR 0-5YR INVT GR CP 46434V100   1,070,150 22,360 SH   SOLE   0 0 22,360
ISHARES TR INTL EQTY FACTOR 46434V274   29,896,762 1,215,276 SH   OTR 1, 2 0 0 1,215,276
ISHARES TR MSCI INTL VLU FT 46435G409   2,757,601 119,016 SH   OTR 2 0 0 119,016
ISHARES TR CONV BD ETF 46435G102   2,564,266 36,912 SH   OTR 2 0 0 36,912
ISHARES TR CORE DIV GRWTH 46434V621   1,609,950 32,199 SH   OTR 2 0 0 32,199
ISHARES TR CORE TOTAL USD 46434V613   15,052,401 335,019 SH   OTR 2 0 0 335,019
ISHARES TR IBONDS DEC23 ETF 46434VAX8   825,990 33,000 SH   SOLE   0 0 33,000
ISHARES TR IBONDS DEC25 ETF 46434VBD1   826,880 34,000 SH   SOLE   0 0 34,000
INTEL CORP COM 458140100   1,921,425 72,699 SH   OTR 1, 2 0 0 72,699
ISHARES TR IBONDS DEC24 ETF 46434VBG4   830,280 34,000 SH   SOLE   0 0 34,000
ISHARES TR ISHS 1-5YR INVS 464288646   425,413 8,539 SH   OTR 1 0 0 8,539
ISHARES TR 10-20 YR TRS ETF 464288653   1,229,466 11,365 SH   OTR 2 0 0 11,365
ISHARES TR NATIONAL MUN ETF 464288414   3,650,359 34,594 SH   OTR 2 0 0 34,594
ISHARES TR ISHS 5-10YR INVT 464288638   464,899 9,390 SH   SOLE   0 0 9,390
ISHARES TR CORE HIGH DV ETF 46429B663   509,942 4,892 SH   SOLE   0 0 4,892
ISHARES TR EAFE VALUE ETF 464288877   746,835 16,278 SH   OTR 2 0 0 16,278
ISHARES TR EAFE GRWTH ETF 464288885   819,508 9,784 SH   OTR 2 0 0 9,784
ISHARES TR SP SMCP600VL ETF 464287879   5,574,460 61,050 SH   OTR 1, 2 0 0 61,050
ISHARES TR MSCI EMG MKT ETF 464287234   686,900 18,124 SH   OTR 2 0 0 18,124
ISHARES TR 1 3 YR TREAS BD 464287457   203,006 2,501 SH   OTR 1 0 0 2,501
ISHARES INC CORE MSCI EMKT 46434G103   3,850,254 82,447 SH   OTR 1, 2 0 0 82,447
ISHARES TR CORE MSCI EAFE 46432F842   9,236,670 149,849 SH   OTR 1, 2 0 0 149,849
ISHARES TR IBOXX INV CP ETF 464287242   243,860 2,313 SH   OTR 1 0 0 2,313
ISHARES TR 7-10 YR TRSY BD 464287440   480,911 5,021 SH   OTR 1, 2 0 0 5,021
ISHARES TR TIPS BD ETF 464287176   1,523,901 14,317 SH   OTR 2 0 0 14,317
ISHARES TR EUROPE ETF 464287861   1,016,534 22,445 SH   OTR 2 0 0 22,445
ISHARES TR CORE S&P MCP ETF 464287507   346,438 1,432 SH   OTR 2 0 0 1,432
ISHARES TR S&P MC 400VL ETF 464287705   2,483,410 24,637 SH   OTR 2 0 0 24,637
ISHARES TR CORE S&P SCP ETF 464287804   669,107 7,070 SH   OTR 2 0 0 7,070
HONEYWELL INTL INC COM 438516106   1,351,376 6,306 SH   OTR 1, 2 0 0 6,306
ISHARES TR S&P 500 VAL ETF 464287408   1,500,314 10,342 SH   OTR 2 0 0 10,342
ISHARES TR CORE S&P500 ETF 464287200   4,301,683 11,196 SH   OTR 2 0 0 11,196
ISHARES TR S&P 500 GRWT ETF 464287309   413,478 7,068 SH   OTR 2 0 0 7,068
ISHARES TR RUS 1000 ETF 464287622   436,408 2,073 SH   OTR 2 0 0 2,073
ISHARES TR RUSSELL 2000 ETF 464287655   261,540 1,500 SH   SOLE   0 0 1,500
ISHARES TR RUSSELL 3000 ETF 464287689   772,380 3,500 SH   SOLE   0 0 3,500
ISHARES TR CORE S&P US GWT 464287671   1,356,203 16,636 SH   OTR 2 0 0 16,636
ALPHABET INC CAP STK CL A 02079K305   3,258,157 36,928 SH   OTR 1, 2 0 0 36,928
ISHARES TR U.S. TECH ETF 464287721   242,539 3,256 SH   OTR 2 0 0 3,256
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   2,644,940 53,197 SH   OTR 2 0 0 53,197
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   2,512,713 89,135 SH   OTR 2 0 0 89,135
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598   330,549 6,064 SH   OTR 2 0 0 6,064
JOHNSON & JOHNSON COM 478160104   15,988,186 90,508 SH   OTR 1, 2, 3 0 0 90,508
JPMORGAN CHASE & CO COM 46625H100   8,672,970 64,675 SH   OTR 1, 2, 3 0 0 64,675
ALPHABET INC CAP STK CL C 02079K107   8,285,622 93,380 SH   OTR 1, 2 0 0 93,380
KRAFT HEINZ CO COM 500754106   235,250 5,779 SH   OTR 1 0 0 5,779
LAM RESEARCH CORP COM 512807108   1,196,566 2,847 SH   OTR 1, 2, 3 0 0 2,847
LILLY ELI & CO COM 532457108   1,759,389 4,809 SH   OTR 1 0 0 4,809
LINDE PLC SHS G5494J103   348,686 1,069 SH   OTR 1, 3 0 0 1,069
LIONS GATE ENTMNT CORP CL A VTG 535919401   114,640 20,077 SH   SOLE   0 0 20,077
LOCKHEED MARTIN CORP COM 539830109   1,145,197 2,354 SH   OTR 1, 2, 3 0 0 2,354
LOMA NEGRA C I A S A MTN 14 SPONSORED ADS 54150E104   68,500 10,000 SH   SOLE   0 0 10,000
LOTTERY COM INC COM 54570M108   10,192 57,744 SH   SOLE   0 0 57,744
LOWES COS INC COM 548661107   456,857 2,293 SH   OTR 1, 3 0 0 2,293
MARATHON PETE CORP COM 56585A102   205,684 1,767 SH   OTR 1, 2, 3 0 0 1,767
MARRIOTT INTL INC NEW CL A 571903202   221,399 1,487 SH   OTR 1 0 0 1,487
MARSH & MCLENNAN COS INC COM 571748102   823,428 4,976 SH   OTR 1 0 0 4,976
MASTERCARD INCORPORATED CL A 57636Q104   1,165,939 3,353 SH   OTR 1 0 0 3,353
MCDONALDS CORP COM 580135101   2,973,743 11,284 SH   OTR 1, 2, 3 0 0 11,284
MCKESSON CORP COM 58155Q103   1,064,592 2,838 SH   OTR 1 0 0 2,838
MERCK & CO INC COM 58933Y105   954,949 8,607 SH   OTR 1, 2, 3 0 0 8,607
META PLATFORMS INC CL A 30303M102   1,077,403 8,953 SH   OTR 1, 2, 3 0 0 8,953
FIRST HORIZON CORPORATION COM 320517105   2,539,376 103,648 SH   OTR 1, 2 0 0 103,648
MODERNA INC COM 60770K107   225,782 1,257 SH   OTR 1, 3 0 0 1,257
MONDELEZ INTL INC CL A 609207105   1,694,668 25,426 SH   OTR 1, 2, 3 0 0 25,426
MOODYS CORP COM 615369105   226,239 812 SH   OTR 1 0 0 812
MUELLER INDS INC COM 624756102   237,834 4,031 SH   OTR 1 0 0 4,031
NETFLIX INC COM 64110L106   663,480 2,250 SH   OTR 1, 3 0 0 2,250
EATON CORP PLC SHS G29183103   1,307,394 8,330 SH   OTR 1, 2 0 0 8,330
NIKE INC CL B 654106103   3,262,236 27,880 SH   OTR 1, 2, 3 0 0 27,880
NORFOLK SOUTHN CORP COM 655844108   522,164 2,119 SH   OTR 1 0 0 2,119
NORTHROP GRUMMAN CORP COM 666807102   817,915 1,499 SH   OTR 1, 2, 3 0 0 1,499
EOG RES INC COM 26875P101   335,068 2,587 SH   OTR 1, 2 0 0 2,587
NOVO-NORDISK A S ADR 670100205   688,745 5,089 SH   OTR 1 0 0 5,089
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   213,456 7,175 SH   SOLE   0 0 7,175
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   486,897 40,306 SH   SOLE   0 0 40,306
NVIDIA CORPORATION COM 67066G104   623,726 4,268 SH   OTR 1 0 0 4,268
OCUPHIRE PHARMA INC COM 67577R102   42,784 12,120 SH   SOLE   0 0 12,120
ORACLE CORP COM 68389X105   5,536,550 67,734 SH   OTR 1, 3 0 0 67,734
OWENS CORNING NEW COM 690742101   246,264 2,887 SH   OTR 1 0 0 2,887
PANGAEA LOGISTICS SOLUTION L SHS G6891L105   86,553 16,806 SH   OTR 1 0 0 16,806
ENBRIDGE INC COM 29250N105   295,027 7,545 SH   OTR 1, 2 0 0 7,545
PFIZER INC COM 717081103   5,080,913 99,159 SH   OTR 1, 2, 3 0 0 99,159
PHILIP MORRIS INTL INC COM 718172109   5,339,810 52,760 SH   OTR 1, 2, 3 0 0 52,760
PHILLIPS 66 COM 718546104   244,921 2,353 SH   OTR 1, 3 0 0 2,353
PNC FINL SVCS GROUP INC COM 693475105   317,301 2,009 SH   OTR 1 0 0 2,009
PROCORE TECHNOLOGIES INC COM 74275K108   512,799 10,869 SH   SOLE   0 0 10,869
PROCTER AND GAMBLE CO COM 742718109   5,897,596 38,913 SH   OTR 1, 2, 3 0 0 38,913
QUAD / GRAPHICS INC COM CL A 747301109   48,079 11,784 SH   OTR 1 0 0 11,784
RELX PLC SPONSORED ADR 759530108   297,436 10,730 SH   OTR 1 0 0 10,730
REPUBLIC SVCS INC COM 760759100   260,044 2,016 SH   OTR 1 0 0 2,016
RITHM CAPITAL CORP COM NEW 64828T201   122,746 15,024 SH   OTR 1 0 0 15,024
ISHARES INC MSCI EMERG MRKT 464286533   17,677,964 333,232 SH   OTR 1, 2 0 0 333,232
DUKE ENERGY CORP NEW COM NEW 26441C204   449,517 4,365 SH   OTR 1, 2 0 0 4,365
SALESFORCE INC COM 79466L302   376,953 2,843 SH   OTR 1 0 0 2,843
SANOFI SPONSORED ADR 80105N105   432,189 8,924 SH   OTR 1 0 0 8,924
SAP SE SPON ADR 803054204   462,807 4,485 SH   OTR 1 0 0 4,485
SCHWAB CHARLES CORP COM 808513105   1,259,058 15,122 SH   OTR 1, 2, 3 0 0 15,122
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   253,755 5,559 SH   SOLE   0 0 5,559
SCHWAB STRATEGIC TR LONG TERM US 808524680   7,387,476 209,633 SH   OTR 2 0 0 209,633
DISNEY WALT CO COM 254687106   1,715,029 19,740 SH   OTR 1, 2 0 0 19,740
SIRIUS XM HOLDINGS INC COM 82968B103   70,448 12,063 SH   OTR 1 0 0 12,063
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,758,037 5,306 SH   OTR 1, 2 0 0 5,306
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,829,753 133,524 SH   OTR 1, 2 0 0 133,524
DIAGEO PLC SPON ADR NEW 25243Q205   2,601,930 14,602 SH   OTR 1, 2 0 0 14,602
SPDR GOLD TR GOLD SHS 78463V107   216,630 1,277 SH   SOLE   0 0 1,277
SPDR S&P 500 ETF TR TR UNIT 78462F103   289,882 758 SH   OTR 3 0 0 758
SPDR SER TR NUVEEN BLOOMBERG 78464A284   231,824 4,734 SH   OTR 2 0 0 4,734
SPDR SER TR PORT MTG BK ETF 78464A383   18,478,505 851,544 SH   OTR 2 0 0 851,544
SPDR SER TR S&P 600 SML CAP 78464A813   476,571 5,797 SH   OTR 2 0 0 5,797
SPDR SER TR BLOOMBERG HIGH Y 78468R622   592,650 6,585 SH   SOLE   0 0 6,585
SPDR SER TR NUVEEN BLMBRG MU 78468R721   3,615,294 79,248 SH   OTR 2 0 0 79,248
SPDR SER TR BLOOMBERG SHT TE 78468R408   6,362,695 262,487 SH   OTR 2 0 0 262,487
STARBUCKS CORP COM 855244109   4,875,293 49,146 SH   OTR 1, 2, 3 0 0 49,146
SYSCO CORP COM 871829107   1,472,137 19,256 SH   OTR 1 0 0 19,256
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   676,593 9,083 SH   OTR 1 0 0 9,083
TARO PHARMACEUTICAL INDS LTD SHS M8737E108   307,824 10,600 SH   SOLE   0 0 10,600
TELECOM ARGENTINA SA SPON ADR REP B 879273209   177,670 32,600 SH   SOLE   0 0 32,600
TELESAT CORP CL A & CL B SHS 879512309   75,000 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   226,774 1,841 SH   OTR 1 0 0 1,841
TEXAS INSTRS INC COM 882508104   359,684 2,177 SH   OTR 1 0 0 2,177
THERMO FISHER SCIENTIFIC INC COM 883556102   562,254 1,021 SH   OTR 1, 2, 3 0 0 1,021
CHEVRON CORP NEW COM 166764100   11,148,254 62,111 SH   OTR 1, 2 0 0 62,111
TOTALENERGIES SE SPONSORED ADS 89151E109   370,121 5,962 SH   OTR 1 0 0 5,962
TRAVELERS COMPANIES INC COM 89417E109   754,085 4,022 SH   OTR 1, 3 0 0 4,022
CSX CORP COM 126408103   281,391 9,083 SH   OTR 1, 2 0 0 9,083
UNITED PARCEL SERVICE INC CL B 911312106   324,038 1,864 SH   OTR 1, 3 0 0 1,864
UNITEDHEALTH GROUP INC COM 91324P102   3,542,990 6,683 SH   OTR 1, 2, 3 0 0 6,683
UNUM GROUP COM 91529Y106   277,814 6,771 SH   OTR 1, 3 0 0 6,771
US BANCORP DEL COM NEW 902973304   297,769 6,828 SH   OTR 1 0 0 6,828
VALVOLINE INC COM 92047W101   348,732 10,681 SH   SOLE   0 0 10,681
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,133,331 22,420 SH   OTR 2 0 0 22,420
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   1,812,359 39,736 SH   OTR 2 0 0 39,736
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   579,615 3,691 SH   OTR 2 0 0 3,691
VANGUARD BD INDEX FDS INTERMED TERM 921937819   446,738 6,011 SH   OTR 2 0 0 6,011
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,094,549 23,039 SH   OTR 2 0 0 23,039
COSTCO WHSL CORP NEW COM 22160K105   1,474,746 3,231 SH   OTR 1, 2 0 0 3,231
COMCAST CORP NEW CL A 20030N101   1,354,845 38,743 SH   OTR 1, 2 0 0 38,743
BRISTOL-MYERS SQUIBB CO COM 110122108   2,994,446 41,618 SH   OTR 1, 2 0 0 41,618
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,640,078 19,885 SH   SOLE   0 0 19,885
BLACKROCK INC COM 09247X101   4,828,959 6,815 SH   OTR 1, 2 0 0 6,815
BANK AMERICA CORP COM 060505104   507,436 15,321 SH   OTR 1, 2 0 0 15,321
BOEING CO COM 097023105   434,889 2,283 SH   OTR 1, 2 0 0 2,283
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   797,160 6,000 SH   SOLE   0 0 6,000
AMERICAN EXPRESS CO COM 025816109   1,225,850 8,297 SH   OTR 1, 2 0 0 8,297
BROADCOM INC COM 11135F101   421,025 753 SH   OTR 1, 2 0 0 753
ASML HOLDING N V N Y REGISTRY SHS N07059210   611,422 1,119 SH   OTR 1, 2 0 0 1,119
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,276,965 126,833 SH   OTR 2, 3 0 0 126,833
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   512,671 6,818 SH   SOLE   0 0 6,818
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   867,300 15,000 SH   SOLE   0 0 15,000
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,531,060 19,753 SH   SOLE   0 0 19,753
AMGEN INC COM 031162100   1,964,358 7,479 SH   OTR 1, 2 0 0 7,479
ISHARES TR CORE US AGGBD ET 464287226   698,134 7,198 SH   OTR 1, 2 0 0 7,198
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,645,394 27,621 SH   OTR 2 0 0 27,621
AUTOMATIC DATA PROCESSING IN COM 053015103   1,097,562 4,595 SH   OTR 1, 2 0 0 4,595
VANGUARD WORLD FD ESG INTL STK ETF 921910725   290,221 5,900 SH   SOLE   0 0 5,900
VANGUARD WORLD FD MEGA CAP INDEX 921910873   4,048,130 30,575 SH   OTR 1 0 0 30,575
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   821,067 3,077 SH   OTR 1, 2 0 0 3,077
VIATRIS INC COM 92556V106   112,747 10,130 SH   OTR 1 0 0 10,130
VISA INC COM CL A 92826C839   3,384,033 16,288 SH   OTR 1, 2, 3 0 0 16,288
VISTA ENERGY S.A.B. DE C.V. SPONSORED ADS 92837L109   3,018,465 192,750 SH   SOLE   0 0 192,750
WALMART INC COM 931142103   3,026,352 21,344 SH   OTR 1, 2, 3 0 0 21,344
ABBVIE INC COM 00287Y109   4,523,673 27,991 SH   OTR 1, 2 0 0 27,991
WASTE MGMT INC DEL COM 94106L109   858,134 5,470 SH   OTR 1 0 0 5,470
WELLS FARGO CO NEW COM 949746101   574,478 13,913 SH   OTR 1 0 0 13,913
WISDOMTREE TR US QTLY DIV GRT 97717X669   359,202 5,951 SH   OTR 2 0 0 5,951
YPF SOCIEDAD ANONIMA SPON ADR CL D 984245100   784,798 85,397 SH   SOLE   0 0 85,397
YUM BRANDS INC COM 988498101   214,022 1,671 SH   OTR 1, 3 0 0 1,671
ZIMMER BIOMET HOLDINGS INC COM 98956P102   302,398 2,372 SH   OTR 1 0 0 2,372
APPLE INC COM 037833100   34,927,405 268,817 SH   OTR 1, 2 0 0 268,817