<SEC-DOCUMENT>0001104659-22-005482.txt : 20220119
<SEC-HEADER>0001104659-22-005482.hdr.sgml : 20220119
<ACCEPTANCE-DATETIME>20220119165047
ACCESSION NUMBER:		0001104659-22-005482
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220119
DATE AS OF CHANGE:		20220119
EFFECTIVENESS DATE:		20220119

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:		22539407

	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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        <credentials>
          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2021</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2021</reportCalendarOrQuarter>
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      <filingManager>
        <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>01-19-2022</signatureDate>
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    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>4469</value>
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      <sshPrnamt>15011</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15011</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>REIT</titleOfClass>
    <cusip>902653104</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>105</Shared>
      <None>0</None>
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    <titleOfClass>REIT</titleOfClass>
    <cusip>902653104</cusip>
    <value>3148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52478</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52478</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR SHS</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>09248X100</cusip>
    <value>1300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49669</Sole>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK CORE BD TR SHS BEN INT</nameOfIssuer>
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    <cusip>09249E101</cusip>
    <value>1029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62299</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT INC CL A LTD VT SH</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>112585104</cusip>
    <value>182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>3015</Shared>
      <None>0</None>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT INC CL A LTD VT SH</nameOfIssuer>
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    <cusip>112585104</cusip>
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      <sshPrnamt>92396</sshPrnamt>
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    <votingAuthority>
      <Sole>92396</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>REIT</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOW INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1534</Shared>
      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>760</value>
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      <sshPrnamt>13394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13394</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>499</value>
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      <sshPrnamt>1144</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1144</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP COM</nameOfIssuer>
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    <cusip>008492100</cusip>
    <value>561</value>
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      <sshPrnamt>7860</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7860</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <cusip>209115104</cusip>
    <value>49</value>
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      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>575</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>224</value>
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      <sshPrnamt>2626</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2626</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>2582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>14894</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>87512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>504826</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>504826</Sole>
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      <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>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2004</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>9229</Shared>
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    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>9818</value>
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      <sshPrnamt>306523</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306523</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEKLA LIFE SCIENCES INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911K100</cusip>
    <value>33</value>
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      <sshPrnamt>1700</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>1700</Shared>
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    <nameOfIssuer>TEKLA LIFE SCIENCES INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911K100</cusip>
    <value>1873</value>
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      <sshPrnamt>97389</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97389</Sole>
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      <None>0</None>
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    <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>196</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>15538</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>321</value>
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      <sshPrnamt>1054</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
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      <sshPrnamt>23193</sshPrnamt>
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    <votingAuthority>
      <Sole>23193</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
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    <cusip>92206C680</cusip>
    <value>850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10820</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>10820</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>3423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43578</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43578</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911J103</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>800</Shared>
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  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911J103</cusip>
    <value>744</value>
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      <sshPrnamt>31307</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31307</Sole>
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    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2368</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2368</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26441C204</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2119</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2119</Shared>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26441C204</cusip>
    <value>4717</value>
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      <sshPrnamt>44968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44968</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>253868103</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2384</Shared>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>253868103</cusip>
    <value>11691</value>
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      <sshPrnamt>66102</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66102</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>700</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>350</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10212</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>600</Shared>
      <None>0</None>
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    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2096</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PREMIER FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74052F108</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>8468</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>18694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>162250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6905</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6905</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PREFERRED APT CMNTYS INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>74039L103</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1200</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PREFERRED APT CMNTYS INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>74039L103</cusip>
    <value>1974</value>
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      <sshPrnamt>109325</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>109325</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ERIE INDTY CO CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29530P102</cusip>
    <value>28909</value>
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      <sshPrnamt>150050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150050</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD MID-CAP GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>1332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5230</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5230</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2825</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2825</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>3535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43729</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43729</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COUPANG INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22266T109</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16461</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16461</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES GLOBAL 100 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2710</Sole>
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      <None>0</None>
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    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>722</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>4870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22472</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22472</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4445</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD VALUE INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2639</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2639</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>230</Shared>
      <None>0</None>
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    <nameOfIssuer>VANGUARD GROWTH INDEX FUND</nameOfIssuer>
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    <cusip>922908736</cusip>
    <value>598</value>
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      <sshPrnamt>1865</sshPrnamt>
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    <votingAuthority>
      <Sole>1865</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES U.S. TREASURY BOND ETF</nameOfIssuer>
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    <cusip>46429B267</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9993</sshPrnamt>
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    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
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    <cusip>502431109</cusip>
    <value>19</value>
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      <sshPrnamt>90</sshPrnamt>
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    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
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    <cusip>502431109</cusip>
    <value>1760</value>
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      <Sole>8255</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2493</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
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      <Sole>89991</Sole>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW COM</nameOfIssuer>
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    <cusip>03027X100</cusip>
    <value>709</value>
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    <votingAuthority>
      <Sole>2423</Sole>
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    <nameOfIssuer>IRON MTN INC NEW COM</nameOfIssuer>
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    <cusip>46284V101</cusip>
    <value>520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9940</sshPrnamt>
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    <votingAuthority>
      <Sole>9940</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES CORE S&amp;P TOTAL U.S. STOCK MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287150</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3105</sshPrnamt>
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      <Sole>3105</Sole>
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    <nameOfIssuer>ROYCE VALUE TR INC COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>780910105</cusip>
    <value>31</value>
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    <nameOfIssuer>GLADSTONE INVT CORP COM</nameOfIssuer>
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      <Sole>118575</Sole>
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    <nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
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      <sshPrnamt>262</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>17583</sshPrnamt>
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      <Sole>17583</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGREDION INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>457187102</cusip>
    <value>97</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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    <nameOfIssuer>INGREDION INC COM</nameOfIssuer>
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    <cusip>457187102</cusip>
    <value>1353</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>40</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>5849</value>
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    <votingAuthority>
      <Sole>10506</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5959</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>7940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119741</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>119741</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>827</sshPrnamt>
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      <Shared>827</Shared>
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    <votingAuthority>
      <Sole>14453</Sole>
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      <Sole>9899</Sole>
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      <None>0</None>
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    <value>188</value>
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      <sshPrnamt>1730</sshPrnamt>
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      <Shared>1730</Shared>
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    <votingAuthority>
      <Sole>55531</Sole>
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      <Sole>17947</Sole>
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      <None>0</None>
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      <Sole>9762</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF</nameOfIssuer>
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    <cusip>464288646</cusip>
    <value>662</value>
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      <sshPrnamt>12286</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12286</Sole>
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    <cusip>464288679</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</nameOfIssuer>
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    <value>187</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33983</Sole>
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      <None>0</None>
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    <cusip>00287Y109</cusip>
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      <sshPrnamt>3542</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>61532</Sole>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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      <sshPrnamt>721</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX US INDEX FUND</nameOfIssuer>
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      <sshPrnamt>19524</sshPrnamt>
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      <Sole>19524</Sole>
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    <nameOfIssuer>OWENS &amp; MINOR INC NEW COM</nameOfIssuer>
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    <votingAuthority>
      <Sole>12438</Sole>
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    <cusip>98978V103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>69</Shared>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10990</Sole>
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      <None>0</None>
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    <nameOfIssuer>MORGAN STANLEY EMERGING MKTS COM</nameOfIssuer>
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    <value>134</value>
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      <sshPrnamt>24475</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24475</Sole>
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      <None>0</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>5904</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5904</Sole>
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    <cusip>469814107</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC COM</nameOfIssuer>
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    <cusip>469814107</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42894</Sole>
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    <value>10</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1853</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>2600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
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  <infoTable>
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    <cusip>747525103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3858</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>78393</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
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    <cusip>369550108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
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    <value>203</value>
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    <cusip>46434V621</cusip>
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      <Sole>8934</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>350</sshPrnamt>
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    <cusip>110122108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1976</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>47978</Sole>
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      <Sole>1034</Sole>
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      <None>0</None>
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      <Shared>977</Shared>
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      <Sole>30735</Sole>
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      <None>0</None>
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      <Sole>6189</Sole>
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      <None>0</None>
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      <sshPrnamt>4892</sshPrnamt>
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      <Shared>4892</Shared>
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      <sshPrnamt>63270</sshPrnamt>
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    <votingAuthority>
      <Sole>63270</Sole>
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      <None>0</None>
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      <sshPrnamt>21667</sshPrnamt>
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    <votingAuthority>
      <Sole>21667</Sole>
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      <None>0</None>
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    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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    <votingAuthority>
      <Sole>868</Sole>
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      <None>0</None>
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    <value>6</value>
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      <sshPrnamt>65</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>85208R101</cusip>
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      <Sole>35500</Sole>
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      <sshPrnamt>4897</sshPrnamt>
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      <sshPrnamt>135</sshPrnamt>
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      <Sole>74104</Sole>
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    <cusip>464287622</cusip>
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      <sshPrnamt>1747</sshPrnamt>
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      <Sole>1747</Sole>
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    <cusip>571748102</cusip>
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      <sshPrnamt>53</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4073</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
