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
3M CO COM 88579Y101 325 1,862 SH   OTR   1,862 0 0
ABBOTT LABS COM 002824100 164 1,500 SH   SOLE   1,500 0 0
ABBOTT LABS COM 002824100 753 6,881 SH   OTR   6,881 0 0
AMAZON COM INC COM 023135106 1,156 355 SH   OTR   355 0 0
AMGEN INC COM 031162100 805 3,500 SH   OTR   3,500 0 0
APPLE INC COM 037833100 145 1,092 SH   SOLE   1,092 0 0
APPLE INC COM 037833100 6,128 46,180 SH   OTR   46,180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 811 4,600 SH   OTR   4,600 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 730 3,150 SH   OTR   3,150 0 0
BLACKLINE INC COM 09239B109 338 2,534 SH   SOLE   2,534 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,917 30,899 SH   OTR   30,899 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 326 8,635 SH   OTR   8,635 0 0
COCA COLA CO COM 191216100 93 1,700 SH   SOLE   1,700 0 0
COCA COLA CO COM 191216100 854 15,575 SH   OTR   15,575 0 0
COCA COLA EUROPEAN PARTNERS SHS G25839104 402 8,064 SH   OTR   8,064 0 0
COLGATE PALMOLIVE CO COM 194162103 436 5,100 SH   OTR   5,100 0 0
DATADOG INC CL A COM 23804L103 519 5,268 SH   SOLE   5,268 0 0
EMERSON ELEC CO COM 291011104 659 8,194 SH   OTR   8,194 0 0
EXXON MOBIL CORP COM 30231G102 1,138 27,606 SH   OTR   27,606 0 0
EXXON MOBIL CORP COM 30231G102 57 1,375 SH   SOLE   1,375 0 0
FASTLY INC CL A 31188V100 694 7,946 SH   SOLE   7,946 0 0
GENERAL ELECTRIC CO COM 369604103 62 5,735 SH   SOLE   5,735 0 0
GENERAL ELECTRIC CO COM 369604103 58 5,376 SH   OTR   5,376 0 0
HOME DEPOT INC COM 437076102 902 3,395 SH   OTR   3,395 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 63 500 SH   SOLE   500 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 378 3,000 SH   OTR   3,000 0 0
INTUIT COM 461202103 256 674 SH   OTR   674 0 0
ISHARES TR CORE MSCI EAFE 46432F842 658 9,520 SH   OTR   9,520 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 6,690 99,564 SH   OTR   99,564 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,861 25,500 SH   OTR   25,500 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,572 115,033 SH   SOLE   115,033 0 0
ISHARES TR CORE S&P SCP ETF 464287804 37,066 403,331 SH   OTR   403,331 0 0
ISHARES TR EAFE SML CP ETF 464288273 662 9,680 SH   OTR   9,680 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,707 29,844 SH   OTR   29,844 0 0
ISHARES TR MSCI ACWI EX US 464288240 5,481 103,328 SH   OTR   103,328 0 0
ISHARES TR MSCI ACWI EX US 464288240 1,222 23,043 SH   SOLE   23,043 0 0
ISHARES TR MSCI EAFE ETF 464287465 7,231 99,111 SH   OTR   99,111 0 0
ISHARES TR MSCI EAFE ETF 464287465 263 3,600 SH   SOLE   3,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 737 14,271 SH   OTR   14,271 0 0
ISHARES TR RUS 1000 ETF 464287622 17,330 81,806 SH   OTR   81,806 0 0
ISHARES TR RUS 1000 ETF 464287622 17,125 80,840 SH   SOLE   80,840 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,640 15,096 SH   OTR   15,096 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,095 4,540 SH   SOLE   4,540 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,511 18,368 SH   OTR   18,368 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,383 4,823 SH   OTR   4,823 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 4,911 37,277 SH   OTR   37,277 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 4,889 24,934 SH   SOLE   24,934 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 5,182 26,430 SH   OTR   26,430 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 5,547 24,814 SH   OTR   24,814 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,105 4,943 SH   SOLE   4,943 0 0
ISHARES TR S&P SML 600 GWT 464287887 942 8,247 SH   OTR   8,247 0 0
ISHARES TR SP SMCP600VL ETF 464287879 394 4,849 SH   OTR   4,849 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,334 16,400 SH   SOLE   16,400 0 0
JPMORGAN CHASE & CO COM 46625H100 60 470 SH   SOLE   470 0 0
JPMORGAN CHASE & CO COM 46625H100 2,234 17,580 SH   OTR   17,580 0 0
KIMBERLY-CLARK CORP COM 494368103 909 6,745 SH   OTR   6,745 0 0
LOWES COS INC COM 548661107 1,860 11,590 SH   OTR   11,590 0 0
MERCK & CO. INC COM 58933Y105 262 3,200 SH   SOLE   3,200 0 0
MERCK & CO. INC COM 58933Y105 1,053 12,874 SH   OTR   12,874 0 0
NEXTERA ENERGY INC COM 65339F101 1,916 24,840 SH   OTR   24,840 0 0
NIKE INC CL B 654106103 2,974 21,025 SH   OTR   21,025 0 0
OKTA INC CL A 679295105 416 1,638 SH   SOLE   1,638 0 0
OTIS WORLDWIDE CORP COM 68902V107 292 4,317 SH   OTR   4,317 0 0
PEPSICO INC COM 713448108 489 3,300 SH   OTR   3,300 0 0
PFIZER INC COM 717081103 285 7,754 SH   OTR   7,754 0 0
PHILIP MORRIS INTL INC COM 718172109 1,400 16,915 SH   OTR   16,915 0 0
PROCTER AND GAMBLE CO COM 742718109 529 3,804 SH   OTR   3,804 0 0
PROGRESSIVE CORP COM 743315103 3,560 36,000 SH   OTR   36,000 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,377 26,133 SH   OTR   26,133 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,136 16,655 SH   OTR   16,655 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 51,509 137,768 SH   OTR   137,768 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,054 26,891 SH   SOLE   26,891 0 0
STEEL PARTNERS HLDGS L P LTD PRTRSHIP U 85814R107 789 73,351 SH   OTR   73,351 0 0
TARGET CORP COM 87612E106 706 4,000 SH   OTR   4,000 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,602 10,271 SH   SOLE   10,271 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3 17 SH   OTR   17 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,582 9,000 SH   SOLE   9,000 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,351 15,905 SH   OTR   15,905 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,799 22,691 SH   OTR   22,691 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,963 5,710 SH   SOLE   5,710 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 450 3,163 SH   SOLE   3,163 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,431 12,487 SH   SOLE   12,487 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 637 2,380 SH   SOLE   2,380 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,801 9,255 SH   OTR   9,255 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 566 2,906 SH   SOLE   2,906 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 17,313 296,658 SH   SOLE   296,658 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 26,677 457,106 SH   OTR   457,106 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 70 1,390 SH   SOLE   1,390 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,028 80,379 SH   OTR   80,379 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,993 16,360 SH   OTR   16,360 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,294 13,979 SH   SOLE   13,979 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 278 3,004 SH   OTR   3,004 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,156 168,816 SH   SOLE   168,816 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,023 21,670 SH   SOLE   21,670 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,682 205,075 SH   OTR   205,075 0 0
WALMART INC COM 931142103 1,170 8,120 SH   OTR   8,120 0 0