Bangor Savings Bank 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COMMON STOCK	002824100	222	2,643	SH		SOLE		2,643	0	0
ABBOTT LABS	COMMON STOCK	002824100	83	991	SH		OTR		991	0	0
ABBVIE INC	COMMON STOCK	00287Y109	455	6,251	SH		SOLE		6,251	0	0
ABBVIE INC	COMMON STOCK	00287Y109	89	1,219	SH		OTR		1,219	0	0
ADOBE INC	COMMON STOCK	00724F101	373	1,265	SH		SOLE		1,253	0	12
ALBEMARLE CORP	COMMON STOCK	012653101	692	9,822	SH		SOLE		9,822	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	1,528	1,411	SH		SOLE		1,409	0	2
ALPHABET INC CL A	COMMON STOCK	02079K305	60	55	SH		OTR		55	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	222	4,683	SH		SOLE		4,683	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	494	10,439	SH		OTR		10,439	0	0
AMAZON.COM INC	COMMON STOCK	023135106	1,858	981	SH		SOLE		969	0	12
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	1,567	13,507	SH		SOLE		13,507	0	0
AMGEN INC	COMMON STOCK	031162100	487	2,645	SH		SOLE		2,645	0	0
AMGEN INC	COMMON STOCK	031162100	12	67	SH		OTR		67	0	0
ANTHEM INC	COMMON STOCK	036752103	1,896	6,718	SH		SOLE		6,718	0	0
APPLE INC	COMMON STOCK	037833100	3,871	19,559	SH		SOLE		19,465	0	94
APPLE INC	COMMON STOCK	037833100	364	1,837	SH		OTR		1,837	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	1,325	29,507	SH		SOLE		29,507	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	287	7,043	SH		SOLE		7,043	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	12	297	SH		OTR		297	0	0
AT&T INC	COMMON STOCK	00206R102	1,060	31,625	SH		SOLE		31,625	0	0
AT&T INC	COMMON STOCK	00206R102	635	18,943	SH		OTR		18,943	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	775	4,690	SH		SOLE		4,690	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	303	1,834	SH		OTR		1,834	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	249	8,581	SH		SOLE		8,581	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	161	5,566	SH		OTR		5,566	0	0
BAXTER INTL INC	COMMON STOCK	071813109	1,518	18,540	SH		SOLE		18,540	0	0
BB&T CORPORATION	COMMON STOCK	054937107	1,229	25,018	SH		SOLE		25,018	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,491	6,996	SH		SOLE		6,974	0	22
BLACKROCK INC CL A	COMMON STOCK	09247X101	680	1,449	SH		SOLE		1,446	0	3
BLACKROCK INC CL A	COMMON STOCK	09247X101	16	34	SH		OTR		34	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	1,911	42,146	SH		SOLE		42,146	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	68	1,510	SH		OTR		1,510	0	0
CAMBRIDGE BANCORP	COMMON STOCK	132152109	1,580	19,385	SH		SOLE		19,385	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	273	5,792	SH		SOLE		5,792	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	2	44	SH		OTR		44	0	0
CELGENE CORP	COMMON STOCK	151020104	210	2,275	SH		SOLE		2,275	0	0
CHARLES SCHWAB CORP	COMMON STOCK	808513105	764	19,001	SH		SOLE		19,001	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	1,967	15,809	SH		SOLE		15,779	0	30
CHEVRON CORPORATION	COMMON STOCK	166764100	418	3,361	SH		OTR		3,361	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,128	20,618	SH		SOLE		20,427	0	191
CISCO SYSTEMS INC	COMMON STOCK	17275R102	38	692	SH		OTR		692	0	0
CME GROUP INC.	COMMON STOCK	12572Q105	225	1,158	SH		SOLE		1,158	0	0
COCA COLA CO	COMMON STOCK	191216100	766	15,052	SH		SOLE		15,052	0	0
COCA COLA CO	COMMON STOCK	191216100	20	400	SH		OTR		400	0	0
COHERENT INC	COMMON STOCK	192479103	782	5,737	SH		SOLE		5,737	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	432	10,215	SH		SOLE		10,168	0	47
COMCAST CORP-CL A	COMMON STOCK	20030N101	67	1,593	SH		OTR		1,593	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	259	4,239	SH		SOLE		4,239	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	94	1,534	SH		OTR		1,534	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	1,221	6,198	SH		SOLE		6,198	0	0
CSX CORP	COMMON STOCK	126408103	212	2,734	SH		SOLE		2,734	0	0
CSX CORP	COMMON STOCK	126408103	33	425	SH		OTR		425	0	0
DEERE & CO	COMMON STOCK	244199105	292	1,760	SH		SOLE		1,760	0	0
DEERE & CO	COMMON STOCK	244199105	99	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	1,961	14,041	SH		SOLE		14,019	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	13	95	SH		OTR		95	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	77	868	SH		SOLE		868	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	206	2,339	SH		OTR		2,339	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	386	5,781	SH		SOLE		5,781	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	56	832	SH		OTR		832	0	0
EXXONMOBIL CORP	COMMON STOCK	30231G102	1,976	25,788	SH		SOLE		25,788	0	0
EXXONMOBIL CORP	COMMON STOCK	30231G102	766	9,992	SH		OTR		9,992	0	0
FACEBOOK INC-A	COMMON STOCK	30303M102	1,469	7,612	SH		SOLE		7,600	0	12
FEDEX CORPORATION	COMMON STOCK	31428X106	1,094	6,663	SH		SOLE		6,663	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	165	15,712	SH		SOLE		15,712	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	30	2,900	SH		OTR		2,900	0	0
GENERAL MLS INC	COMMON STOCK	370334104	403	7,666	SH		SOLE		7,666	0	0
GENERAL MLS INC	COMMON STOCK	370334104	33	624	SH		OTR		624	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	345	3,330	SH		SOLE		3,330	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	145	1,399	SH		OTR		1,399	0	0
HOME DEPOT INC	COMMON STOCK	437076102	331	1,591	SH		SOLE		1,580	0	11
HOME DEPOT INC	COMMON STOCK	437076102	123	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	99	569	SH		SOLE		569	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	494	2,828	SH		OTR		2,828	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	440	1,599	SH		SOLE		1,599	0	0
INTEL CORP	COMMON STOCK	458140100	965	20,167	SH		SOLE		20,009	0	158
INTEL CORP	COMMON STOCK	458140100	75	1,572	SH		OTR		1,572	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	2,075	24,145	SH		SOLE		24,114	0	31
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	539	3,905	SH		SOLE		3,905	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	48	347	SH		OTR		347	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,920	20,966	SH		SOLE		20,889	0	77
JOHNSON & JOHNSON	COMMON STOCK	478160104	290	2,084	SH		OTR		2,084	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	3,321	29,701	SH		SOLE		29,669	0	32
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	159	1,423	SH		OTR		1,423	0	0
LILLY ELI & CO	COMMON STOCK	532457108	320	2,884	SH		SOLE		2,884	0	0
LILLY ELI & CO	COMMON STOCK	532457108	82	739	SH		OTR		739	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,159	3,188	SH		SOLE		3,188	0	0
LOWES COS INC	COMMON STOCK	548661107	1,112	11,020	SH		SOLE		10,993	0	27
LOWES COS INC	COMMON STOCK	548661107	10	100	SH		OTR		100	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,043	5,024	SH		SOLE		5,024	0	0
MCDONALDS CORP	COMMON STOCK	580135101	471	2,270	SH		OTR		2,270	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	520	6,197	SH		SOLE		6,197	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	108	1,291	SH		OTR		1,291	0	0
MICROSOFT CORP	COMMON STOCK	594918104	3,165	23,626	SH		SOLE		23,458	0	168
MICROSOFT CORP	COMMON STOCK	594918104	229	1,710	SH		OTR		1,710	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	634	3,093	SH		SOLE		3,093	0	0
PALO ALTO NETWORKS	COMMON STOCK	697435105	1,369	6,717	SH		SOLE		6,717	0	0
PAYCHEX INC	COMMON STOCK	704326107	271	3,290	SH		SOLE		3,290	0	0
PAYCHEX INC	COMMON STOCK	704326107	5	56	SH		OTR		56	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	1,583	13,832	SH		SOLE		13,832	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	182	10,870	SH		SOLE		10,870	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	174	10,396	SH		OTR		10,396	0	0
PEPSICO INC	COMMON STOCK	713448108	3,033	23,132	SH		SOLE		23,085	0	47
PEPSICO INC	COMMON STOCK	713448108	237	1,808	SH		OTR		1,808	0	0
PFIZER INC	COMMON STOCK	717081103	1,007	23,240	SH		SOLE		22,904	0	336
PFIZER INC	COMMON STOCK	717081103	429	9,895	SH		OTR		9,895	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	232	2,954	SH		SOLE		2,954	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	552	7,034	SH		OTR		7,034	0	0
PHILLIPS 66	COMMON STOCK	718546104	1,341	14,339	SH		SOLE		14,339	0	0
PHILLIPS 66	COMMON STOCK	718546104	46	493	SH		OTR		493	0	0
PIONEER NATURAL RESOURCES CO	COMMON STOCK	723787107	768	4,994	SH		SOLE		4,994	0	0
PPL CORPORATION	COMMON STOCK	69351T106	221	7,118	SH		SOLE		7,118	0	0
PPL CORPORATION	COMMON STOCK	69351T106	2	74	SH		OTR		74	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	582	5,306	SH		SOLE		5,306	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	83	760	SH		OTR		760	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	389	3,854	SH		SOLE		3,854	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	6	56	SH		OTR		56	0	0
PURE STORAGE INC CL A	COMMON STOCK	74624M102	564	36,959	SH		SOLE		36,959	0	0
QUALCOMM INC	COMMON STOCK	747525103	788	10,364	SH		SOLE		10,364	0	0
QUALCOMM INC	COMMON STOCK	747525103	30	389	SH		OTR		389	0	0
RAYTHEON COMPANY	COMMON STOCK	755111507	1,196	6,878	SH		SOLE		6,878	0	0
SKYWORKS SOLUTIONS INC	COMMON STOCK	83088M102	827	10,701	SH		SOLE		10,701	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	188	3,400	SH		SOLE		3,400	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	40	722	SH		OTR		722	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	1,534	7,463	SH		SOLE		7,463	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	3	14	SH		OTR		14	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	355	3,438	SH		SOLE		3,438	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	58	564	SH		OTR		564	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	602	4,623	SH		SOLE		4,580	0	43
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	193	1,484	SH		OTR		1,484	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	226	927	SH		SOLE		918	0	9
VALERO ENERGY CORP	COMMON STOCK	91913Y100	249	2,903	SH		SOLE		2,903	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	3	30	SH		OTR		30	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,799	48,993	SH		SOLE		48,993	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	663	11,608	SH		OTR		11,608	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	1,005	46,133	SH		SOLE		46,133	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	3	133	SH		OTR		133	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,420	13,942	SH		SOLE		13,799	0	143
VISA INC CL A	COMMON STOCK	92826C839	69	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,212	7,247	SH		SOLE		7,247	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,216	22,239	SH		SOLE		22,239	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	11	200	SH		OTR		200	0	0
WALMART INC	COMMON STOCK	931142103	1,661	15,032	SH		SOLE		14,969	0	63
WALMART INC	COMMON STOCK	931142103	17	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	420	3,638	SH		SOLE		3,638	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	4	34	SH		OTR		34	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	254	5,374	SH		SOLE		5,374	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	62	1,300	SH		OTR		1,300	0	0
3M CO	COMMON STOCK	88579Y101	74	425	SH		SOLE		425	0	0
3M CO	COMMON STOCK	88579Y101	218	1,256	SH		OTR		1,256	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	242	12,088	SH		SOLE		12,088	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	2	117	SH		OTR		117	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	418	2,424	SH		SOLE		2,424	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	21	119	SH		OTR		119	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	356	6,984	SH		SOLE		6,984	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	8	164	SH		OTR		164	0	0
CARNIVAL CORP	COMMON STOCK	143658300	239	5,129	SH		SOLE		5,129	0	0
CARNIVAL CORP	COMMON STOCK	143658300	6	127	SH		OTR		127	0	0
EATON CORP PLC	COMMON STOCK	G29183103	1,277	15,333	SH		SOLE		15,333	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	1,785	49,469	SH		SOLE		49,469	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	104	2,877	SH		OTR		2,877	0	0
ICON PLC	COMMON STOCK	G4705A100	1,271	8,255	SH		SOLE		8,255	0	0
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	227	1,792	SH		SOLE		1,792	0	0
PUBLIC STORAGE INC REIT	OTR	74460D109	648	2,722	SH		SOLE		0	0	0
CONSUMER DISCRETIONARY SELT	OTR	81369Y407	2,337	19,609	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	35,228	573,739	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	773	12,592	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTR	46434G103	367	7,128	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	30,228	155,607	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	797	4,105	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	30,680	391,928	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	1,013	12,944	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	68,374	231,972	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	1,473	4,996	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	2,332	75,904	SH		SOLE		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	8	270	SH		OTR		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	814	8,174	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	95	950	SH		OTR		0	0	0
ISHARES EDGE MSCI MIN VOL EAFE	OTR	46429B689	323	4,450	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	353	5,368	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	183	2,791	SH		OTR		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTR	464287234	403	9,395	SH		SOLE		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTR	464287234	15	350	SH		OTR		0	0	0
ISHARES MSCI INDIA ETF	OTR	46429B598	641	18,153	SH		SOLE		0	0	0
ISHARES MSCI INDIA ETF	OTR	46429B598	1	15	SH		OTR		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	1,308	11,958	SH		SOLE		0	0	0
ISHARES NASDAQ BIOTECH ETF	OTR	464287556	1,417	12,984	SH		SOLE		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTR	464287499	303	5,424	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTR	464287648	260	1,296	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	833	3,680	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	42	185	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/VALUE E	OTR	464287705	1,296	8,130	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTR	464287879	993	6,681	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTR	464287887	359	1,965	SH		SOLE		0	0	0
ISHARES S&P 500 GROWTH ETF	OTR	464287309	347	1,934	SH		SOLE		0	0	0
ISHARES S&P 500 VALUE ETF	OTR	464287408	415	3,559	SH		SOLE		0	0	0
MATERIALS SELECT SPDR FUND	OTR	81369Y100	842	14,385	SH		SOLE		0	0	0
MATERIALS SELECT SPDR FUND	OTR	81369Y100	25	428	SH		OTR		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	4,424	168,615	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	74	2,828	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	830	28,865	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	10,488	326,832	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	81	2,520	SH		OTR		0	0	0
SCHWAB STRATEGIC TR	OTR	808524201	29,853	425,314	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,410	26,567	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	856	16,130	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTR	808524508	8,329	145,890	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	7,037	158,349	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	24	533	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTR	808524607	8,123	113,638	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	223	762	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	296	1,011	SH		OTR		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	313	4,012	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	48	620	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	1,827	30,640	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	47	792	SH		OTR		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	2,865	68,679	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	338	8,110	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	15,295	359,620	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	457	10,754	SH		OTR		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	701	4,193	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	675	4,037	SH		OTR		0	0	0
VANGUARD INFO TECH ETF	OTR	92204A702	253	1,200	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	1,800	16,164	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	2,075	23,744	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	311	3,563	SH		OTR		0	0	0
VANGUARD S&P MID CAP 400 ETF	OTR	921932885	272	2,069	SH		SOLE		0	0	0
VANGUARD S&P SMALL-CAP 600 ETF	OTR	921932828	274	1,919	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	7,240	26,898	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	799	2,970	SH		OTR		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	1,695	12,983	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	605	3,859	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	435	2,777	SH		OTR		0	0	0
VANGUARD TOT WORLD STK INDEX	OTR	922042742	2,098	27,919	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	325	14,326	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	5	207	SH		OTR		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	9,138	290,659	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	115	3,661	SH		OTR		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTR	464287176	275	2,385	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTR	464287457	234	2,761	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	2,348	21,083	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	89	800	SH		OTR		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	271	3,111	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	169	1,935	SH		OTR		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	1,402	12,491	SH		SOLE		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	167	1,485	SH		OTR		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	32,212	565,614	SH		SOLE		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	1,064	18,681	SH		OTR		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	17,765	332,426	SH		SOLE		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	1,815	33,955	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	34,539	274,642	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	697	5,543	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTR	72201R817	1,645	15,311	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTR	808524854	8,854	161,107	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	26,206	518,016	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	369	7,303	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTR	808524839	17,719	334,321	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTR	808524870	390	6,924	SH		SOLE		0	0	0
SPDR BLOOMBERG BARCLAYS S/T BD	OTR	78468R408	1,403	51,523	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTR	92206C870	749	8,335	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTR	92206C706	1,099	16,660	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	409	7,741	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	26	492	SH		OTR		0	0	0
VANGUARD SHORT TERM BOND ETF	OTR	921937827	200	2,486	SH		SOLE		0	0	0
VANGUARD SHORT TERM CORP BOND	OTR	92206C409	1,025	12,703	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	1,262	11,161	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	102	900	SH		OTR		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTR	464288158	229	2,146	SH		SOLE		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTR	464288158	50	470	SH		OTR		0	0	0
SPDR NUVEEN BLOOMBERG BARCLAYS	OTR	78468R739	276	5,643	SH		SOLE		0	0	0