# EDGAR Filing Document

**Accession Number:** 0001929907
**File Stem:** 0001085146-23-000707
**Filing Date:** 2023-2
**Character Count:** 23235
**Document Hash:** 9e375ccedd8af401cce761d14d53602a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000707.hdr.sgml**: 20230207

**ACCESSION NUMBER**: 0001085146-23-000707

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230207

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230207

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** W ADVISORS, LLC
- **CENTRAL INDEX KEY:** 0001929907
- **IRS NUMBER:** 463385301
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22626
- **FILM NUMBER:** 23592056

**BUSINESS ADDRESS:**
- **STREET 1:** 2289 WEST STREET
- **CITY:** GERMANTOWN
- **STATE:** TN
- **ZIP:** 38138
- **BUSINESS PHONE:** 901-410-8044

**MAIL ADDRESS:**
- **STREET 1:** 2289 WEST STREET
- **CITY:** GERMANTOWN
- **STATE:** TN
- **ZIP:** 38138

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** W ADVISORS LLC<br>**Address:** 2289 WEST STREET<br>GERMANTOWN, TN 38138

**Form 13F File Number:** 028-22626

**CRD Number (if applicable):** 000168452

**SEC File Number (if applicable):** 801-78543

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Angela Cox<br>**Title:** Chief Compliance Officer<br>**Phone:** 901-410-8044

**Signature, Place, and Date of Signing:**

/s/Angela Cox  Germantown, TN  02-06-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 184

**Form 13F Information Table Value Total:** $120019100

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 98591 | 898 | SH |  | SOLE |  | 0 | 0 | 898 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 103422 | 942 | SH |  | OTR |  | 0 | 0 | 942 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 214295 | 1326 | SH |  | OTR |  | 0 | 0 | 1326 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 148713 | 920 | SH |  | SOLE |  | 0 | 0 | 920 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 363596 | 4121 | SH |  | SOLE |  | 0 | 0 | 4121 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 11340 | 135 | SH |  | OTR |  | 0 | 0 | 135 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 490140 | 5835 | SH |  | SOLE |  | 0 | 0 | 5835 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 | BBG001S5NFD2 | 219335 | 2310 | SH |  | SOLE |  | 0 | 0 | 2310 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 4921317 | 37877 | SH |  | SOLE |  | 0 | 0 | 37877 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 387421 | 21044 | SH |  | SOLE |  | 0 | 0 | 21044 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 100924 | 5482 | SH |  | OTR |  | 0 | 0 | 5482 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 | BBG001S82KF6 | 251281 | 1052 | SH |  | SOLE |  | 0 | 0 | 1052 |
| AUTOZONE INC | COM | 053332102 | BBG001S6Q5D9 | 246618 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| BLACKROCK INC | COM | 09247X101 | BBG001SDBP55 | 216841 | 306 | SH |  | SOLE |  | 0 | 0 | 306 |
| BLACKROCK INC | COM | 09247X101 | BBG001SDBP55 | 202668 | 286 | SH |  | OTR |  | 0 | 0 | 286 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 1378272 | 19156 | SH |  | SOLE |  | 0 | 0 | 19156 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 176925 | 2459 | SH |  | OTR |  | 0 | 0 | 2459 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 242196 | 1011 | SH |  | OTR |  | 0 | 0 | 1011 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 304481 | 1271 | SH |  | SOLE |  | 0 | 0 | 1271 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 393622 | 2193 | SH |  | OTR |  | 0 | 0 | 2193 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 607438 | 3384 | SH |  | SOLE |  | 0 | 0 | 3384 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 246252 | 5169 | SH |  | OTR |  | 0 | 0 | 5169 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 256303 | 5380 | SH |  | SOLE |  | 0 | 0 | 5380 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 190703 | 2998 | SH |  | OTR |  | 0 | 0 | 2998 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 1182881 | 18596 | SH |  | SOLE |  | 0 | 0 | 18596 |
| CONOCOPHILLIPS | COM | 20825C104 | BBG001S5TZM2 | 37760 | 320 | SH |  | SOLE |  | 0 | 0 | 320 |
| CONOCOPHILLIPS | COM | 20825C104 | BBG001S5TZM2 | 294292 | 2494 | SH |  | OTR |  | 0 | 0 | 2494 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 3516457 | 31881 | SH |  | SOLE |  | 0 | 0 | 31881 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 373145 | 3383 | SH |  | OTR |  | 0 | 0 | 3383 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 | BBG001S5NKC2 | 251512 | 1334 | SH |  | OTR |  | 0 | 0 | 1334 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 214063 | 623 | SH |  | SOLE |  | 0 | 0 | 623 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 3777 | 11 | SH |  | OTR |  | 0 | 0 | 11 |
| HERSHEY CO | COM | 427866108 | BBG001S5S148 | 22231 | 96 | SH |  | OTR |  | 0 | 0 | 96 |
| HERSHEY CO | COM | 427866108 | BBG001S5S148 | 231570 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 267218 | 846 | SH |  | OTR |  | 0 | 0 | 846 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 389451 | 1233 | SH |  | SOLE |  | 0 | 0 | 1233 |
| ILLINOIS TOOL WKS INC | COM | 452308109 | BBG001S5SDX0 | 319876 | 1452 | SH |  | SOLE |  | 0 | 0 | 1452 |
| INTEL CORP | COM | 458140100 | BBG001S5SF65 | 47072 | 1781 | SH |  | OTR |  | 0 | 0 | 1781 |
| INTEL CORP | COM | 458140100 | BBG001S5SF65 | 289171 | 10941 | SH |  | SOLE |  | 0 | 0 | 10941 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 76081 | 540 | SH |  | OTR |  | 0 | 0 | 540 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 167236 | 1187 | SH |  | SOLE |  | 0 | 0 | 1187 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 553138 | 18395 | SH |  | OTR |  | 0 | 0 | 18395 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 6555 | 218 | SH |  | SOLE |  | 0 | 0 | 218 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 288062 | 5430 | SH |  | OTR |  | 0 | 0 | 5430 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 154004 | 2903 | SH |  | SOLE |  | 0 | 0 | 2903 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 76483 | 707 | SH |  | SOLE |  | 0 | 0 | 707 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 488757 | 4518 | SH |  | OTR |  | 0 | 0 | 4518 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 | BBG001S8MLN3 | 275084 | 2763 | SH |  | OTR |  | 0 | 0 | 2763 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 | BBG001S80936 | 312434 | 3262 | SH |  | OTR |  | 0 | 0 | 3262 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 1236498 | 20060 | SH |  | SOLE |  | 0 | 0 | 20060 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 85556 | 1388 | SH |  | OTR |  | 0 | 0 | 1388 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 151423 | 626 | SH |  | SOLE |  | 0 | 0 | 626 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 164243 | 679 | SH |  | OTR |  | 0 | 0 | 679 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 598503 | 6324 | SH |  | SOLE |  | 0 | 0 | 6324 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 587620 | 6209 | SH |  | OTR |  | 0 | 0 | 6209 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 1076706 | 12697 | SH |  | SOLE |  | 0 | 0 | 12697 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 56562 | 667 | SH |  | OTR |  | 0 | 0 | 667 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 3460964 | 9008 | SH |  | OTR |  | 0 | 0 | 9008 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 1073867 | 2795 | SH |  | SOLE |  | 0 | 0 | 2795 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 843067 | 18764 | SH |  | OTR |  | 0 | 0 | 18764 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 311410 | 6931 | SH |  | SOLE |  | 0 | 0 | 6931 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 523164 | 5394 | SH |  | SOLE |  | 0 | 0 | 5394 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 494455 | 5098 | SH |  | OTR |  | 0 | 0 | 5098 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 512527 | 6119 | SH |  | SOLE |  | 0 | 0 | 6119 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 2592623 | 30953 | SH |  | OTR |  | 0 | 0 | 30953 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 743302 | 16201 | SH |  | SOLE |  | 0 | 0 | 16201 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 1679070 | 36597 | SH |  | OTR |  | 0 | 0 | 36597 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 927758 | 10947 | SH |  | SOLE |  | 0 | 0 | 10947 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 1720256 | 20298 | SH |  | OTR |  | 0 | 0 | 20298 |
| ISHARES TR | ESG MSCI EM LDRS | 46436E601 | BBG00RMS4GK2 | 261066 | 6124 | SH |  | OTR |  | 0 | 0 | 6124 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 | BBG00P35VT10 | 5101626 | 76936 | SH |  | OTR |  | 0 | 0 | 76936 |
| ISHARES TR | EUROPE ETF | 464287861 | BBG001SFGXD9 | 267256 | 5901 | SH |  | OTR |  | 0 | 0 | 5901 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 451229 | 4865 | SH |  | OTR |  | 0 | 0 | 4865 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 46190 | 498 | SH |  | SOLE |  | 0 | 0 | 498 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 1248616 | 32945 | SH |  | OTR |  | 0 | 0 | 32945 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 | BBG009DR6401 | 1209404 | 52197 | SH |  | OTR |  | 0 | 0 | 52197 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 | BBG009DR6401 | 64946 | 2803 | SH |  | SOLE |  | 0 | 0 | 2803 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 228413 | 3168 | SH |  | SOLE |  | 0 | 0 | 3168 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 697784 | 9678 | SH |  | OTR |  | 0 | 0 | 9678 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 139509 | 956 | SH |  | SOLE |  | 0 | 0 | 956 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 170592 | 1169 | SH |  | OTR |  | 0 | 0 | 1169 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 518131 | 5685 | SH |  | OTR |  | 0 | 0 | 5685 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 24750 | 272 | SH |  | SOLE |  | 0 | 0 | 272 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 30284 | 287 | SH |  | SOLE |  | 0 | 0 | 287 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 2595264 | 24595 | SH |  | OTR |  | 0 | 0 | 24595 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 367421 | 1715 | SH |  | OTR |  | 0 | 0 | 1715 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 2245029 | 10479 | SH |  | SOLE |  | 0 | 0 | 10479 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 733076 | 4834 | SH |  | OTR |  | 0 | 0 | 4834 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 1804938 | 11902 | SH |  | SOLE |  | 0 | 0 | 11902 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 | BBG001S56277 | 278033 | 2005 | SH |  | SOLE |  | 0 | 0 | 2005 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 | BBG001S56277 | 18720 | 135 | SH |  | OTR |  | 0 | 0 | 135 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 29811 | 283 | SH |  | OTR |  | 0 | 0 | 283 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 188980 | 1794 | SH |  | SOLE |  | 0 | 0 | 1794 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 1255617 | 5690 | SH |  | SOLE |  | 0 | 0 | 5690 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 127332 | 577 | SH |  | OTR |  | 0 | 0 | 577 |
| ISHARES TR | S 100 ETF | 464287101 | BBG001SGB026 | 255855 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| ISHARES TR | S 100 ETF | 464287101 | BBG001SGB026 | 4064171 | 23827 | SH |  | OTR |  | 0 | 0 | 23827 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 4188116 | 71592 | SH |  | SOLE |  | 0 | 0 | 71592 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 2435180 | 41627 | SH |  | OTR |  | 0 | 0 | 41627 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 1687378 | 11631 | SH |  | SOLE |  | 0 | 0 | 11631 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 1577636 | 10875 | SH |  | OTR |  | 0 | 0 | 10875 |
| ISHARES TR | S SML 600 GWT | 464287887 | BBG001SFQL44 | 585307 | 5416 | SH |  | OTR |  | 0 | 0 | 5416 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 936941 | 7769 | SH |  | SOLE |  | 0 | 0 | 7769 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 7403 | 71 | SH |  | SOLE |  | 0 | 0 | 71 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 619885 | 5945 | SH |  | OTR |  | 0 | 0 | 5945 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 | BBG001SFGXW8 | 440307 | 9471 | SH |  | OTR |  | 0 | 0 | 9471 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 | BBG001SFGXW8 | 140958 | 3032 | SH |  | SOLE |  | 0 | 0 | 3032 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 178478 | 2396 | SH |  | OTR |  | 0 | 0 | 2396 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 256937 | 3449 | SH |  | SOLE |  | 0 | 0 | 3449 |
| ISHARES TR | US HLTHCARE ETF | 464287762 | BBG001SFGXR4 | 601181 | 2119 | SH |  | OTR |  | 0 | 0 | 2119 |
| ISHARES TR | US HLTHCARE ETF | 464287762 | BBG001SFGXR4 | 17590 | 62 | SH |  | SOLE |  | 0 | 0 | 62 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 172172 | 7578 | SH |  | OTR |  | 0 | 0 | 7578 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 83723 | 3685 | SH |  | SOLE |  | 0 | 0 | 3685 |
| ISHARES U S ETF TR | BLOOMBERG ROLL | 46431W598 | BBG00KHT04L1 | 361674 | 6635 | SH |  | OTR |  | 0 | 0 | 6635 |
| ISHARES U S ETF TR | BLOOMBERG ROLL | 46431W598 | BBG00KHT04L1 | 88361 | 1621 | SH |  | SOLE |  | 0 | 0 | 1621 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 1255452 | 7107 | SH |  | SOLE |  | 0 | 0 | 7107 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 314791 | 1782 | SH |  | OTR |  | 0 | 0 | 1782 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 309235 | 2306 | SH |  | OTR |  | 0 | 0 | 2306 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 785826 | 5860 | SH |  | SOLE |  | 0 | 0 | 5860 |
| KIMBERLY-CLARK CORP | COM | 494368103 | BBG001S5SLZ0 | 447975 | 3300 | SH |  | SOLE |  | 0 | 0 | 3300 |
| KIMBERLY-CLARK CORP | COM | 494368103 | BBG001S5SLZ0 | 5294 | 39 | SH |  | OTR |  | 0 | 0 | 39 |
| KROGER CO | COM | 501044101 | BBG001S5SN40 | 1450014 | 32526 | SH |  | SOLE |  | 0 | 0 | 32526 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 20853 | 57 | SH |  | OTR |  | 0 | 0 | 57 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 182920 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 1568444 | 3224 | SH |  | SOLE |  | 0 | 0 | 3224 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 139623 | 287 | SH |  | OTR |  | 0 | 0 | 287 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 693611 | 2632 | SH |  | SOLE |  | 0 | 0 | 2632 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 178673 | 678 | SH |  | OTR |  | 0 | 0 | 678 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 8708305 | 78489 | SH |  | SOLE |  | 0 | 0 | 78489 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 327524 | 2952 | SH |  | OTR |  | 0 | 0 | 2952 |
| METLIFE INC | COM | 59156R108 | BBG001S5T3R8 | 238821 | 3300 | SH |  | OTR |  | 0 | 0 | 3300 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 3270437 | 13637 | SH |  | SOLE |  | 0 | 0 | 13637 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 247734 | 1033 | SH |  | OTR |  | 0 | 0 | 1033 |
| MID-AMER APT CMNTYS INC | COM | 59522J103 | BBG001S7HZ69 | 557628 | 3552 | SH |  | SOLE |  | 0 | 0 | 3552 |
| MONDELEZ INTL INC | CL A | 609207105 | BBG001SHHZJ3 | 141898 | 2129 | SH |  | SOLE |  | 0 | 0 | 2129 |
| MONDELEZ INTL INC | CL A | 609207105 | BBG001SHHZJ3 | 166425 | 2497 | SH |  | OTR |  | 0 | 0 | 2497 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 779517 | 9169 | SH |  | SOLE |  | 0 | 0 | 9169 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 3656 | 43 | SH |  | OTR |  | 0 | 0 | 43 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 951368 | 11380 | SH |  | SOLE |  | 0 | 0 | 11380 |
| NORFOLK SOUTHN CORP | COM | 655844108 | BBG001S5TQJ6 | 351149 | 1425 | SH |  | SOLE |  | 0 | 0 | 1425 |
| ORGANON  CO | COMMON STOCK | 68622V106 | BBG00ZQRGW42 | 218666 | 7829 | SH |  | SOLE |  | 0 | 0 | 7829 |
| PAYPAL HLDGS INC | COM | 70450Y103 | BBG0077VNXW5 | 270280 | 3795 | SH |  | SOLE |  | 0 | 0 | 3795 |
| PAYPAL HLDGS INC | COM | 70450Y103 | BBG0077VNXW5 | 9543 | 134 | SH |  | OTR |  | 0 | 0 | 134 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 258705 | 1432 | SH |  | OTR |  | 0 | 0 | 1432 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 288123 | 5623 | SH |  | OTR |  | 0 | 0 | 5623 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 313853 | 6125 | SH |  | SOLE |  | 0 | 0 | 6125 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 221852 | 2192 | SH |  | OTR |  | 0 | 0 | 2192 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 190072 | 1878 | SH |  | SOLE |  | 0 | 0 | 1878 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 490043 | 3233 | SH |  | SOLE |  | 0 | 0 | 3233 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 322974 | 2131 | SH |  | OTR |  | 0 | 0 | 2131 |
| PRUDENTIAL FINL INC | COM | 744320102 | BBG001S97MM7 | 207175 | 2083 | SH |  | OTR |  | 0 | 0 | 2083 |
| PRUDENTIAL FINL INC | COM | 744320102 | BBG001S97MM7 | 17903 | 180 | SH |  | SOLE |  | 0 | 0 | 180 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 136274 | 1804 | SH |  | SOLE |  | 0 | 0 | 1804 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 72745 | 963 | SH |  | OTR |  | 0 | 0 | 963 |
| SHELL PLC | SPON ADS | 780259305 | BBG0147BN6H1 | 556060 | 9764 | SH |  | SOLE |  | 0 | 0 | 9764 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 364977 | 5111 | SH |  | SOLE |  | 0 | 0 | 5111 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 194307 | 2721 | SH |  | OTR |  | 0 | 0 | 2721 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 | BBG001S8LH99 | 306480 | 925 | SH |  | SOLE |  | 0 | 0 | 925 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 49333 | 129 | SH |  | OTR |  | 0 | 0 | 129 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 2227492 | 5825 | SH |  | SOLE |  | 0 | 0 | 5825 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 | BBG001SRSPW6 | 415963 | 9118 | SH |  | OTR |  | 0 | 0 | 9118 |
| VALLEY NATL BANCORP | COM | 919794107 | BBG001S7H654 | 150864 | 13339 | SH |  | SOLE |  | 0 | 0 | 13339 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 647 | 9 | SH |  | OTR |  | 0 | 0 | 9 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 839953 | 11692 | SH |  | SOLE |  | 0 | 0 | 11692 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 239109 | 1122 | SH |  | SOLE |  | 0 | 0 | 1122 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 310075 | 1455 | SH |  | OTR |  | 0 | 0 | 1455 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 450061 | 2354 | SH |  | SOLE |  | 0 | 0 | 2354 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 18546 | 97 | SH |  | OTR |  | 0 | 0 | 97 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 538937 | 13826 | SH |  | SOLE |  | 0 | 0 | 13826 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 3197 | 82 | SH |  | OTR |  | 0 | 0 | 82 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 625774 | 4121 | SH |  | OTR |  | 0 | 0 | 4121 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 3368683 | 22184 | SH |  | SOLE |  | 0 | 0 | 22184 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 637911 | 15199 | SH |  | SOLE |  | 0 | 0 | 15199 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 38319 | 913 | SH |  | OTR |  | 0 | 0 | 913 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 78128 | 722 | SH |  | OTR |  | 0 | 0 | 722 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 900808 | 8325 | SH |  | SOLE |  | 0 | 0 | 8325 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 | BBG00M0P2SP4 | 125793 | 1910 | SH |  | OTR |  | 0 | 0 | 1910 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 | BBG00M0P2SP4 | 270750 | 4111 | SH |  | SOLE |  | 0 | 0 | 4111 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 190688 | 597 | SH |  | OTR |  | 0 | 0 | 597 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 439347 | 1375 | SH |  | SOLE |  | 0 | 0 | 1375 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 207244 | 5260 | SH |  | OTR |  | 0 | 0 | 5260 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 391413 | 9934 | SH |  | SOLE |  | 0 | 0 | 9934 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 267841 | 1889 | SH |  | OTR |  | 0 | 0 | 1889 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 441171 | 3111 | SH |  | SOLE |  | 0 | 0 | 3111 |

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