<SEC-DOCUMENT>0000908834-24-000269.txt : 20241024
<SEC-HEADER>0000908834-24-000269.hdr.sgml : 20241024
<ACCEPTANCE-DATETIME>20241023174417
ACCESSION NUMBER:		0000908834-24-000269
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241024
DATE AS OF CHANGE:		20241023
EFFECTIVENESS DATE:		20241024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP INC /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351562417
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06479
		FILM NUMBER:		241390186

	BUSINESS ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360
		BUSINESS PHONE:		2198790211

	MAIL ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HORIZON BANCORP /IN/
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS MICHIANA FINANCIAL CORP
		DATE OF NAME CHANGE:	19861021
</SEC-HEADER>
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      <periodOfReport>09-30-2024</periodOfReport>
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          <com:city>MICHIGAN CITY</com:city>
          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>46360</com:zipCode>
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    <signatureBlock>
      <name>Rebecca L Greenlaw</name>
      <title>VP, Trust Operations and Risk Management</title>
      <phone>219-873-2618</phone>
      <signature>Rebecca L Greenlaw</signature>
      <city>Michigan City</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>10-23-2024</signatureDate>
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        <titleOfClass>Com</titleOfClass>
        <cusip>169656105</cusip>
        <value>365</value>
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            <sshPrnamt>6330</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>888</Sole>
            <Shared>0</Shared>
            <None>5442</None>
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        <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>17275R102</cusip>
        <value>212</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3984</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>602</Sole>
            <Shared>0</Shared>
            <None>3382</None>
        </votingAuthority>
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        <nameOfIssuer>Coca Cola CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>191216100</cusip>
        <value>265</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3690</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>397</Sole>
            <Shared>0</Shared>
            <None>3293</None>
        </votingAuthority>
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        <nameOfIssuer>Cognizant Tech Solutions Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>192446102</cusip>
        <value>36</value>
        <shrsOrPrnAmt>
            <sshPrnamt>467</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>467</None>
        </votingAuthority>
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        <nameOfIssuer>Comcast Corp Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>20030N101</cusip>
        <value>170</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4080</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>627</Sole>
            <Shared>0</Shared>
            <None>3453</None>
        </votingAuthority>
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        <nameOfIssuer>Conocophillips</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>20825C104</cusip>
        <value>60</value>
        <shrsOrPrnAmt>
            <sshPrnamt>572</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>572</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>209115104</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>144</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>144</None>
        </votingAuthority>
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        <nameOfIssuer>Constellation Brands Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>21036P108</cusip>
        <value>32</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
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        <nameOfIssuer>Corteva Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22052L104</cusip>
        <value>340</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5790</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>5790</None>
        </votingAuthority>
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        <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22160K105</cusip>
        <value>537</value>
        <shrsOrPrnAmt>
            <sshPrnamt>606</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>86</Sole>
            <Shared>0</Shared>
            <None>520</None>
        </votingAuthority>
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        <nameOfIssuer>Cummins Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>231021106</cusip>
        <value>48</value>
        <shrsOrPrnAmt>
            <sshPrnamt>149</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>149</None>
        </votingAuthority>
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        <nameOfIssuer>DTE Energy</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>233331107</cusip>
        <value>25</value>
        <shrsOrPrnAmt>
            <sshPrnamt>196</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>196</None>
        </votingAuthority>
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        <nameOfIssuer>DT Midstream Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>23345M107</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>66</None>
        </votingAuthority>
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        <nameOfIssuer>Disney Walt CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>254687106</cusip>
        <value>179</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1861</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>216</Sole>
            <Shared>0</Shared>
            <None>1645</None>
        </votingAuthority>
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        <nameOfIssuer>Discover Financial Services</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>254709108</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>49</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>16</Sole>
            <Shared>0</Shared>
            <None>33</None>
        </votingAuthority>
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        <nameOfIssuer>Dow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>260557103</cusip>
        <value>146</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2670</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>2670</None>
        </votingAuthority>
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        <nameOfIssuer>Duke Energy Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26441C204</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>38</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>38</None>
        </votingAuthority>
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        <nameOfIssuer>DuPont de Nemours Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26614N102</cusip>
        <value>435</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4878</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>199</Sole>
            <Shared>0</Shared>
            <None>4679</None>
        </votingAuthority>
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        <nameOfIssuer>EOG Resources Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26875P101</cusip>
        <value>115</value>
        <shrsOrPrnAmt>
            <sshPrnamt>937</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>140</Sole>
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            <None>797</None>
        </votingAuthority>
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        <nameOfIssuer>Eastman Chemical CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>277432100</cusip>
        <value>38</value>
        <shrsOrPrnAmt>
            <sshPrnamt>340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>340</None>
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        <nameOfIssuer>Eaton Vance Ltd Duration Incom</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>27828H105</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>113</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>113</None>
        </votingAuthority>
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        <nameOfIssuer>Edison Intl</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>281020107</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>20</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>294429105</cusip>
        <value>37</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>125</None>
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        <nameOfIssuer>Evergy Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30034W106</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>134</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>134</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>30231G102</cusip>
        <value>353</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3015</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>226</Sole>
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            <None>2789</None>
        </votingAuthority>
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        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>588</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1027</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>144</Sole>
            <Shared>0</Shared>
            <None>883</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>31428X106</cusip>
        <value>176</value>
        <shrsOrPrnAmt>
            <sshPrnamt>642</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>20</Sole>
            <Shared>0</Shared>
            <None>622</None>
        </votingAuthority>
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        <nameOfIssuer>Finward Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>9</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>268</None>
        </votingAuthority>
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        <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>86</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3426</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33734X135</cusip>
        <value>56</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1086</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>147</Sole>
            <Shared>0</Shared>
            <None>939</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares Morningstar Global Ups</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L407</cusip>
        <value>3989</value>
        <shrsOrPrnAmt>
            <sshPrnamt>96711</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>21985</Sole>
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            <None>74726</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares IBOXX 3 Year Target Date</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L506</cusip>
        <value>10929</value>
        <shrsOrPrnAmt>
            <sshPrnamt>454437</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>104415</Sole>
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            <None>350022</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares High Yield VL ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L662</cusip>
        <value>4719</value>
        <shrsOrPrnAmt>
            <sshPrnamt>113271</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>28531</Sole>
            <Shared>0</Shared>
            <None>84740</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares Credit Scored US Corp Bond</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L761</cusip>
        <value>10915</value>
        <shrsOrPrnAmt>
            <sshPrnamt>222207</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>51233</Sole>
            <Shared>0</Shared>
            <None>170974</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Flexshares Quality Dividend Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L860</cusip>
        <value>3723</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51916</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>10483</Sole>
            <Shared>0</Shared>
            <None>41433</None>
        </votingAuthority>
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        <nameOfIssuer>Fortrea Holdings Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>34965K107</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>128</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>128</None>
        </votingAuthority>
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        <nameOfIssuer>Fox Corp B Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>35137L204</cusip>
        <value>40</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1032</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1032</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Freeport McMoran Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>35671D857</cusip>
        <value>108</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2162</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>314</Sole>
            <Shared>0</Shared>
            <None>1848</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>GE Healthcare Technologies Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>35</None>
        </votingAuthority>
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        <nameOfIssuer>General Dynamics Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>369550108</cusip>
        <value>289</value>
        <shrsOrPrnAmt>
            <sshPrnamt>956</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>115</Sole>
            <Shared>0</Shared>
            <None>841</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GSK PLC ADr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>37733W204</cusip>
        <value>179</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4369</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>447</Sole>
            <Shared>0</Shared>
            <None>3922</None>
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        <value>168</value>
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            <sshPrnamt>162</sshPrnamt>
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            <sshPrnamt>3008</sshPrnamt>
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            <None>2541</None>
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            <None>1467</None>
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            <None>2674</None>
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            <None>368</None>
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            <None>128</None>
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            <sshPrnamt>224</sshPrnamt>
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            <None>114</None>
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            <sshPrnamt>342</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>342</None>
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            <sshPrnamt>288</sshPrnamt>
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        <cusip>539830109</cusip>
        <value>56</value>
        <shrsOrPrnAmt>
            <sshPrnamt>96</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>96</None>
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        <cusip>553530106</cusip>
        <value>2</value>
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            <sshPrnamt>18</sshPrnamt>
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            <None>12</None>
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        <value>33</value>
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            <None>2030</None>
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        <cusip>565849106</cusip>
        <value>9</value>
        <shrsOrPrnAmt>
            <sshPrnamt>332</sshPrnamt>
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            <None>222</None>
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        <value>229</value>
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            <None>887</None>
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        <cusip>574599106</cusip>
        <value>207</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2469</sshPrnamt>
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            <None>2100</None>
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        <value>516</value>
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            <sshPrnamt>1044</sshPrnamt>
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            <None>900</None>
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        <cusip>580135101</cusip>
        <value>146</value>
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            <sshPrnamt>481</sshPrnamt>
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        <votingAuthority>
            <Sole>85</Sole>
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            <None>396</None>
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        <value>54</value>
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            <sshPrnamt>476</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>476</None>
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        <value>1414</value>
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            <sshPrnamt>3286</sshPrnamt>
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        <votingAuthority>
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            <None>2835</None>
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        <cusip>594972408</cusip>
        <value>261</value>
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            <sshPrnamt>1550</sshPrnamt>
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        <votingAuthority>
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            <None>1550</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>595017104</cusip>
        <value>132</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>236</Sole>
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            <None>1414</None>
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        <cusip>609207105</cusip>
        <value>266</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3608</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>546</Sole>
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            <None>3062</None>
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        <cusip>620076307</cusip>
        <value>62</value>
        <shrsOrPrnAmt>
            <sshPrnamt>139</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>139</None>
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        <nameOfIssuer>Nasdaq Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>631103108</cusip>
        <value>42</value>
        <shrsOrPrnAmt>
            <sshPrnamt>571</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>571</None>
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        <cusip>65339F101</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2220</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>290</Sole>
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            <None>1930</None>
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        <cusip>654106103</cusip>
        <value>145</value>
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            <sshPrnamt>1638</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>289</Sole>
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            <None>1349</None>
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        <value>561</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16197</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <cusip>655844108</cusip>
        <value>270</value>
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            <sshPrnamt>1085</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <Sole>154</Sole>
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            <None>931</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>666807102</cusip>
        <value>69</value>
        <shrsOrPrnAmt>
            <sshPrnamt>130</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>118</None>
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        <value>1254</value>
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            <None>8775</None>
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        <value>15</value>
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            <None>300</None>
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        <value>6</value>
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            <sshPrnamt>55</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <value>865</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>267</Sole>
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            <None>4812</None>
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            <sshPrnamt>66</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>66</None>
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        <value>9</value>
        <shrsOrPrnAmt>
            <sshPrnamt>263</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>263</None>
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        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>100</None>
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        <value>226</value>
        <shrsOrPrnAmt>
            <sshPrnamt>660</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>85</Sole>
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            <None>575</None>
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        <value>152</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1952</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>222</Sole>
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            <None>1730</None>
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        <cusip>713448108</cusip>
        <value>22</value>
        <shrsOrPrnAmt>
            <sshPrnamt>128</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
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            <None>116</None>
        </votingAuthority>
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        <cusip>717081103</cusip>
        <value>2394</value>
        <shrsOrPrnAmt>
            <sshPrnamt>82719</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>593</Sole>
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            <None>82126</None>
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        <value>104</value>
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            <sshPrnamt>857</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>857</None>
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        <value>19</value>
        <shrsOrPrnAmt>
            <sshPrnamt>144</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>144</None>
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        <cusip>73642K106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>50</None>
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        <nameOfIssuer>Procter &amp; Gamble CO</nameOfIssuer>
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        <cusip>742718109</cusip>
        <value>196</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1129</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>146</Sole>
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            <None>983</None>
        </votingAuthority>
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        <nameOfIssuer>Prologis Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>74340W103</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>38</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>38</None>
        </votingAuthority>
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        <nameOfIssuer>Public Svc Enterprise Grp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>744573106</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>120</None>
        </votingAuthority>
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        <cusip>747525103</cusip>
        <value>47</value>
        <shrsOrPrnAmt>
            <sshPrnamt>274</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>274</None>
        </votingAuthority>
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        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
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        <cusip>75513E101</cusip>
        <value>131</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1083</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>1083</None>
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        <nameOfIssuer>Riot Platforms, Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>767292105</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <sshPrnamt>213</sshPrnamt>
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        <value>5</value>
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        <titleOfClass>Com</titleOfClass>
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            <sshPrnamt>176</sshPrnamt>
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            <sshPrnamt>1336</sshPrnamt>
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        <titleOfClass>Com</titleOfClass>
        <cusip>78464A854</cusip>
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            <sshPrnamt>80</sshPrnamt>
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            <sshPrnamt>21</sshPrnamt>
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            <sshPrnamt>935</sshPrnamt>
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            <None>803</None>
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            <sshPrnamt>478</sshPrnamt>
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            <None>478</None>
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        <value>171</value>
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            <sshPrnamt>4085</sshPrnamt>
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            <None>3659</None>
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        <cusip>808513105</cusip>
        <value>157</value>
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            <sshPrnamt>2416</sshPrnamt>
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            <None>2147</None>
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        <cusip>81369Y506</cusip>
        <value>119</value>
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            <sshPrnamt>1352</sshPrnamt>
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        <votingAuthority>
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            <None>1128</None>
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        <cusip>81369Y886</cusip>
        <value>125</value>
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            <sshPrnamt>1553</sshPrnamt>
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            <Sole>82</Sole>
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            <None>1471</None>
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        <cusip>81762P102</cusip>
        <value>227</value>
        <shrsOrPrnAmt>
            <sshPrnamt>254</sshPrnamt>
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            <None>245</None>
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        <cusip>831865209</cusip>
        <value>49</value>
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            <sshPrnamt>544</sshPrnamt>
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            <sshPrnamt>62</sshPrnamt>
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        <cusip>844741108</cusip>
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            <sshPrnamt>2217</sshPrnamt>
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        <value>179</value>
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            <sshPrnamt>527</sshPrnamt>
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        <value>116</value>
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        <value>117</value>
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            <None>212</None>
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        <value>29</value>
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            <None>292</None>
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        <nameOfIssuer>Vanguard Mid-Cap Value ETF Voe</nameOfIssuer>
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        <cusip>922908512</cusip>
        <value>466</value>
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            <None>2209</None>
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        <nameOfIssuer>Vanguard Mid-Cap Growth Index</nameOfIssuer>
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        <cusip>922908538</cusip>
        <value>311</value>
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            <sshPrnamt>1276</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>1002</None>
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        <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908553</cusip>
        <value>3097</value>
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            <sshPrnamt>31786</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>26720</None>
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        <nameOfIssuer>Vanguard Index Funds Smallcap Growth ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908595</cusip>
        <value>1540</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5758</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>4601</None>
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        <nameOfIssuer>Vanguard Index Funds Smallcap Value ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908611</cusip>
        <value>1538</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7660</sshPrnamt>
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        <votingAuthority>
            <Sole>1548</Sole>
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            <None>6112</None>
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        <nameOfIssuer>Vanguard Index Funds Growth ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908736</cusip>
        <value>10829</value>
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        <votingAuthority>
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            <None>22678</None>
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        <nameOfIssuer>ETF Vanguard Value</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908744</cusip>
        <value>12071</value>
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            <None>157</None>
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        <titleOfClass>Com</titleOfClass>
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        <value>14</value>
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            <None>1212</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>92826C839</cusip>
        <value>110</value>
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            <sshPrnamt>400</sshPrnamt>
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            <None>400</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>92939U106</cusip>
        <value>7</value>
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            <sshPrnamt>68</sshPrnamt>
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            <None>68</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>929740108</cusip>
        <value>0</value>
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            <sshPrnamt>2</sshPrnamt>
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            <None>2</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>931142103</cusip>
        <value>66</value>
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            <sshPrnamt>821</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>821</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>931427108</cusip>
        <value>6</value>
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            <sshPrnamt>725</sshPrnamt>
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            <None>725</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>934423104</cusip>
        <value>0</value>
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            <sshPrnamt>17</sshPrnamt>
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            <None>17</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>949746101</cusip>
        <value>14</value>
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            <sshPrnamt>255</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>124</Sole>
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            <None>131</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>95040Q104</cusip>
        <value>3</value>
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            <sshPrnamt>26</sshPrnamt>
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            <None>26</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>962166104</cusip>
        <value>33</value>
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            <sshPrnamt>969</sshPrnamt>
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        <votingAuthority>
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            <None>969</None>
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        <cusip>966084204</cusip>
        <value>5</value>
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            <None>385</None>
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        <cusip>988498101</cusip>
        <value>39</value>
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        <cusip>98888T107</cusip>
        <value>0</value>
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            <None>1</None>
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        <cusip>98956P102</cusip>
        <value>157</value>
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            <None>1240</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>G0403H108</cusip>
        <value>109</value>
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            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>315</None>
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        <cusip>G1151C101</cusip>
        <value>207</value>
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        <value>19</value>
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</SEC-DOCUMENT>
