<SEC-DOCUMENT>0001104659-21-060857.txt : 20210504
<SEC-HEADER>0001104659-21-060857.hdr.sgml : 20210504
<ACCEPTANCE-DATETIME>20210504144142
ACCESSION NUMBER:		0001104659-21-060857
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210331
FILED AS OF DATE:		20210504
DATE AS OF CHANGE:		20210504
EFFECTIVENESS DATE:		20210504

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				540412820
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-16124
		FILM NUMBER:		21887782

	BUSINESS ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNION FIRST MARKET BANKSHARES CORP
		DATE OF NAME CHANGE:	20140424

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2021</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>03-31-2021</reportCalendarOrQuarter>
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        <name>Atlantic Union Bankshares Corp</name>
        <address>
          <ns1:street1>1051 East Cary Street</ns1:street1>
          <ns1:street2>Suite 1200</ns1:street2>
          <ns1:city>Richmond</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23219</ns1:zipCode>
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    </coverPage>
    <signatureBlock>
      <name>Kimberly Thayer</name>
      <title>Chief Compliance Officer - Trust</title>
      <phone>804-774-2075</phone>
      <signature>/s/ Kimberly Thayer</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>05-04-2021</signatureDate>
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    <nameOfIssuer>ISHARES CORE S&amp;P TOTAL U.S. STOCK MARKET ETF</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>280</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2041</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8209</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>11461</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>18996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>186130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>2278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>30817</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>47778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>646261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>646261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>300</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1641</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>764</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL 100 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MID-CAP 400 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>720</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MID-CAP 400 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1597</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES U.S. TECHNOLOGY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2880</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL-CAP FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL-CAP FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288612</cusip>
    <value>898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288638</cusip>
    <value>408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288679</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>428</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288679</cusip>
    <value>361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES PREFERRED AND INCOME SECURITIES ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>2438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>18120</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>78229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>581453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>581453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>469814107</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>743</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>469814107</cusip>
    <value>5658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>7289</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>14934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>482480100</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>698</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>482480100</cusip>
    <value>11321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4445</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>930</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>1292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V NY REG SH NEW</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>500472303</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>90</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>1820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8982</Sole>
      <Shared>0</Shared>
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    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2281</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2281</Sole>
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      <None>0</None>
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    <cusip>30040W108</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>415</Shared>
      <None>0</None>
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    <cusip>30040W108</cusip>
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      <sshPrnamt>2291</sshPrnamt>
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      <Sole>2291</Sole>
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      <None>0</None>
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    <cusip>30231G102</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7447</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>7447</Shared>
      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
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      <sshPrnamt>43467</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43467</Sole>
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      <None>0</None>
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    <nameOfIssuer>FACEBOOK INC CL A</nameOfIssuer>
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    <cusip>30303M102</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>83</Shared>
      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
    <value>3519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11947</Sole>
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      <None>0</None>
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    <cusip>34959J108</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>75</Shared>
      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>272</value>
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      <sshPrnamt>3848</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3848</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>564</Shared>
      <None>0</None>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>6338</value>
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      <sshPrnamt>19383</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19383</Sole>
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      <None>0</None>
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    <nameOfIssuer>HP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1000</Shared>
      <None>0</None>
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    <nameOfIssuer>HP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>2036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64118</Sole>
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      <None>0</None>
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    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42824C109</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22630</Sole>
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      <None>0</None>
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    <nameOfIssuer>INDEPENDENCE RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>45378A106</cusip>
    <value>30</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>2000</Shared>
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    <nameOfIssuer>INDEPENDENCE RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>45378A106</cusip>
    <value>2248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>147917</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INSIGHT SELECT INCOME FD COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>45781W109</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56593</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V357</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2338</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO BULLETSHARES 2021 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J700</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35741</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO BULLETSHARES 2025 CORPORATE BOND ETF</nameOfIssuer>
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    <cusip>46138J825</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2233</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>2233</Shared>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2025 CORPORATE BOND ETF</nameOfIssuer>
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    <cusip>46138J825</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17806</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17806</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2024 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J841</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2249</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>2249</Shared>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2024 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J841</cusip>
    <value>881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39738</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39738</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2023 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J866</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>2289</Shared>
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  <infoTable>
    <nameOfIssuer>INVESCO BULLETSHARES 2023 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J866</cusip>
    <value>957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43970</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43970</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHARES 2022 CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J882</cusip>
    <value>814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37603</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC NEW COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>46284V101</cusip>
    <value>397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10727</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10727</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES U.S. TREASURY BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10699</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10699</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK SHORT MATURITY BOND ETF</nameOfIssuer>
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    <cusip>46431W507</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4320</sshPrnamt>
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    <votingAuthority>
      <Sole>4320</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8132</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8079</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8079</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE DIVIDEND GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V621</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7516</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>5904</Shared>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>19393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>127393</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46641Q654</cusip>
    <value>1473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28857</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN ULTRA-SHORT INCOME ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>5834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114944</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>114944</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7740</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7740</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO. INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>3041</Shared>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO. INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>7637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>99062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>METLIFE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>1267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20841</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP NEW COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61174X109</cusip>
    <value>967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>819</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>6771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>3479</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>5695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>29</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>92</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1306</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>6007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85612</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>350</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHYSICIANS RLTY TR COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>71943U104</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PREFERRED APT CMNTYS INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>74039L103</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1200</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PREFERRED APT CMNTYS INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>74039L103</cusip>
    <value>1185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PREMIER FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74052F108</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYCE GLOBAL VALUE TR INC COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>78081T104</cusip>
    <value>317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>108</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD SHARES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>6451</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD SHARES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>18158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>113515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1250</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>1726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR MSCI ACWI EX-US ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X848</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A854</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>368</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATERIALS SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1980</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSUMER STAPLES SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>3450</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>5505</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>8407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>131271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVER TR UNIT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>85208R101</cusip>
    <value>617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911J103</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>800</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911J103</cusip>
    <value>814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA LIFE SCIENCES INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911K100</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1700</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA LIFE SCIENCES INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911K100</cusip>
    <value>1938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98343</Sole>
      <Shared>0</Shared>
      <None>0</None>
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</SEC-DOCUMENT>
