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	415	4,957	SH		SOLE		4,957	0	0
ABBOTT LABS	COMMON STOCK	002824100	83	991	SH		OTR		991	0	0
ABBVIE INC	COMMON STOCK	00287Y109	457	6,037	SH		SOLE		6,037	0	0
ABBVIE INC	COMMON STOCK	00287Y109	95	1,253	SH		OTR		1,253	0	0
ADOBE INC	COMMON STOCK	00724F101	400	1,448	SH		SOLE		1,436	0	12
ALBEMARLE CORP	COMMON STOCK	012653101	687	9,880	SH		SOLE		9,880	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	1,695	1,388	SH		SOLE		1,386	0	2
ALPHABET INC CL A	COMMON STOCK	02079K305	67	55	SH		OTR		55	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	166	136	SH		SOLE		125	0	11
ALPHABET INC CL C	COMMON STOCK	02079K107	37	30	SH		OTR		30	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	195	4,770	SH		SOLE		4,770	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	427	10,439	SH		OTR		10,439	0	0
AMAZON.COM INC	COMMON STOCK	023135106	1,715	988	SH		SOLE		976	0	12
AMERICAN EXPRESS CO	COMMON STOCK	025816109	155	1,311	SH		SOLE		1,311	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	71	600	SH		OTR		600	0	0
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	2,113	17,009	SH		SOLE		17,009	0	0
AMGEN INC	COMMON STOCK	031162100	628	3,247	SH		SOLE		3,247	0	0
AMGEN INC	COMMON STOCK	031162100	14	72	SH		OTR		72	0	0
ANTHEM INC	COMMON STOCK	036752103	1,596	6,646	SH		SOLE		6,646	0	0
APPLE INC	COMMON STOCK	037833100	4,624	20,646	SH		SOLE		20,552	0	94
APPLE INC	COMMON STOCK	037833100	412	1,840	SH		OTR		1,840	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	1,454	29,144	SH		SOLE		29,144	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	284	6,920	SH		SOLE		6,920	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	4	86	SH		OTR		86	0	0
AT&T INC	COMMON STOCK	00206R102	1,284	33,931	SH		SOLE		33,931	0	0
AT&T INC	COMMON STOCK	00206R102	702	18,561	SH		OTR		18,561	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	773	4,791	SH		SOLE		4,791	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	296	1,834	SH		OTR		1,834	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	360	12,344	SH		SOLE		12,344	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	162	5,566	SH		OTR		5,566	0	0
BAXTER INTL INC	COMMON STOCK	071813109	1,573	17,978	SH		SOLE		17,978	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,456	7,001	SH		SOLE		6,979	0	22
BLACKROCK INC CL A	COMMON STOCK	09247X101	688	1,543	SH		SOLE		1,540	0	3
BLACKROCK INC CL A	COMMON STOCK	09247X101	15	33	SH		OTR		33	0	0
BOEING CO	COMMON STOCK	097023105	418	1,098	SH		SOLE		1,098	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	1,954	38,542	SH		SOLE		38,542	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	73	1,448	SH		OTR		1,448	0	0
CAMBRIDGE BANCORP	COMMON STOCK	132152109	629	8,385	SH		SOLE		8,385	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	277	5,867	SH		SOLE		5,867	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	4	94	SH		OTR		94	0	0
CHARLES SCHWAB CORP	COMMON STOCK	808513105	860	20,554	SH		SOLE		20,554	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	2,059	17,360	SH		SOLE		17,330	0	30
CHEVRON CORPORATION	COMMON STOCK	166764100	399	3,362	SH		OTR		3,362	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,238	25,054	SH		SOLE		24,863	0	191
CISCO SYSTEMS INC	COMMON STOCK	17275R102	34	684	SH		OTR		684	0	0
COCA COLA CO	COMMON STOCK	191216100	832	15,283	SH		SOLE		15,283	0	0
COCA COLA CO	COMMON STOCK	191216100	22	400	SH		OTR		400	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	355	7,882	SH		SOLE		7,835	0	47
COMCAST CORP-CL A	COMMON STOCK	20030N101	69	1,525	SH		OTR		1,525	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	225	3,957	SH		SOLE		3,957	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	87	1,534	SH		OTR		1,534	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	1,230	5,933	SH		SOLE		5,933	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	303	1,052	SH		SOLE		1,052	0	0
CSX CORP	COMMON STOCK	126408103	189	2,734	SH		SOLE		2,734	0	0
CSX CORP	COMMON STOCK	126408103	29	425	SH		OTR		425	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	162	2,567	SH		SOLE		2,567	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	40	637	SH		OTR		637	0	0
DANAHER CORP	COMMON STOCK	235851102	311	2,150	SH		SOLE		2,123	0	27
DEERE & CO	COMMON STOCK	244199105	297	1,760	SH		SOLE		1,760	0	0
DEERE & CO	COMMON STOCK	244199105	101	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	1,935	14,846	SH		SOLE		14,824	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	12	95	SH		OTR		95	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	98	1,018	SH		SOLE		1,018	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	217	2,264	SH		OTR		2,264	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	545	8,147	SH		SOLE		8,147	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	56	840	SH		OTR		840	0	0
EXXONMOBIL CORP	COMMON STOCK	30231G102	1,853	26,249	SH		SOLE		26,249	0	0
EXXONMOBIL CORP	COMMON STOCK	30231G102	706	9,992	SH		OTR		9,992	0	0
FACEBOOK INC-A	COMMON STOCK	30303M102	1,355	7,611	SH		SOLE		7,599	0	12
FEDEX CORPORATION	COMMON STOCK	31428X106	991	6,809	SH		SOLE		6,809	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	161	18,059	SH		SOLE		18,059	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	26	2,900	SH		OTR		2,900	0	0
GENERAL MLS INC	COMMON STOCK	370334104	356	6,464	SH		SOLE		6,464	0	0
GENERAL MLS INC	COMMON STOCK	370334104	30	548	SH		OTR		548	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	316	3,170	SH		SOLE		3,170	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	141	1,416	SH		OTR		1,416	0	0
HOME DEPOT INC	COMMON STOCK	437076102	743	3,202	SH		SOLE		3,191	0	11
HOME DEPOT INC	COMMON STOCK	437076102	138	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	342	2,020	SH		SOLE		2,020	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	478	2,828	SH		OTR		2,828	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	414	1,522	SH		SOLE		1,522	0	0
INTEL CORP	COMMON STOCK	458140100	1,287	24,975	SH		SOLE		24,817	0	158
INTEL CORP	COMMON STOCK	458140100	81	1,578	SH		OTR		1,578	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	2,160	23,411	SH		SOLE		23,380	0	31
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	740	5,091	SH		SOLE		5,091	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	51	350	SH		OTR		350	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,716	20,989	SH		SOLE		20,912	0	77
JOHNSON & JOHNSON	COMMON STOCK	478160104	270	2,087	SH		OTR		2,087	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	3,672	31,199	SH		SOLE		31,167	0	32
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	167	1,423	SH		OTR		1,423	0	0
LILLY ELI & CO	COMMON STOCK	532457108	464	4,148	SH		SOLE		4,148	0	0
LILLY ELI & CO	COMMON STOCK	532457108	83	739	SH		OTR		739	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,352	3,467	SH		SOLE		3,467	0	0
LOWES COS INC	COMMON STOCK	548661107	1,239	11,266	SH		SOLE		11,239	0	27
LOWES COS INC	COMMON STOCK	548661107	11	100	SH		OTR		100	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,278	5,952	SH		SOLE		5,952	0	0
MCDONALDS CORP	COMMON STOCK	580135101	486	2,264	SH		OTR		2,264	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	626	7,436	SH		SOLE		7,436	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	104	1,241	SH		OTR		1,241	0	0
MICROSOFT CORP	COMMON STOCK	594918104	3,525	25,351	SH		SOLE		25,183	0	168
MICROSOFT CORP	COMMON STOCK	594918104	237	1,705	SH		OTR		1,705	0	0
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	232	4,185	SH		SOLE		4,137	0	48
MONDELEZ INTERNATIONAL INC	COMMON STOCK	609207105	36	645	SH		OTR		645	0	0
NETAPP INC	COMMON STOCK	64110D104	225	4,294	SH		SOLE		4,294	0	0
NETAPP INC	COMMON STOCK	64110D104	3	55	SH		OTR		55	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	789	3,386	SH		SOLE		3,386	0	0
OCCIDENTAL PETE CORP	COMMON STOCK	674599105	217	4,873	SH		SOLE		4,873	0	0
OCCIDENTAL PETE CORP	COMMON STOCK	674599105	16	368	SH		OTR		368	0	0
ONEOK INC	COMMON STOCK	682680103	329	4,471	SH		SOLE		4,471	0	0
PALO ALTO NETWORKS	COMMON STOCK	697435105	1,338	6,565	SH		SOLE		6,565	0	0
PAYCHEX INC	COMMON STOCK	704326107	410	4,953	SH		SOLE		4,953	0	0
PAYCHEX INC	COMMON STOCK	704326107	3	39	SH		OTR		39	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	1,302	12,570	SH		SOLE		12,570	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	536	34,258	SH		SOLE		34,258	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	163	10,396	SH		OTR		10,396	0	0
PEPSICO INC	COMMON STOCK	713448108	3,037	22,149	SH		SOLE		22,102	0	47
PEPSICO INC	COMMON STOCK	713448108	248	1,806	SH		OTR		1,806	0	0
PFIZER INC	COMMON STOCK	717081103	1,035	28,806	SH		SOLE		28,470	0	336
PFIZER INC	COMMON STOCK	717081103	357	9,937	SH		OTR		9,937	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	213	2,804	SH		SOLE		2,804	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	534	7,034	SH		OTR		7,034	0	0
PHILLIPS 66	COMMON STOCK	718546104	1,401	13,680	SH		SOLE		13,680	0	0
PHILLIPS 66	COMMON STOCK	718546104	50	493	SH		OTR		493	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	228	1,625	SH		SOLE		1,625	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	3	19	SH		OTR		19	0	0
PPL CORPORATION	COMMON STOCK	69351T106	239	7,604	SH		SOLE		7,604	0	0
PPL CORPORATION	COMMON STOCK	69351T106	3	83	SH		OTR		83	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	723	5,811	SH		SOLE		5,811	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	95	760	SH		OTR		760	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	407	4,522	SH		SOLE		4,522	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	6	67	SH		OTR		67	0	0
QUALCOMM INC	COMMON STOCK	747525103	761	9,974	SH		SOLE		9,974	0	0
QUALCOMM INC	COMMON STOCK	747525103	29	381	SH		OTR		381	0	0
RAYTHEON COMPANY	COMMON STOCK	755111507	1,347	6,865	SH		SOLE		6,865	0	0
SKYWORKS SOLUTIONS INC	COMMON STOCK	83088M102	904	11,406	SH		SOLE		11,406	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	189	3,065	SH		SOLE		3,065	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	45	722	SH		OTR		722	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	1,538	7,109	SH		SOLE		7,109	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	2	9	SH		OTR		9	0	0
SYSCO CORP	COMMON STOCK	871829107	199	2,502	SH		SOLE		2,502	0	0
SYSCO CORP	COMMON STOCK	871829107	13	166	SH		OTR		166	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	236	1,828	SH		SOLE		1,828	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	26	200	SH		OTR		200	0	0
TRADEWEB MARKETS INC CL A	COMMON STOCK	892672106	711	19,218	SH		SOLE		19,218	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	387	3,230	SH		SOLE		3,230	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	58	488	SH		OTR		488	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	605	4,434	SH		SOLE		4,391	0	43
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	202	1,483	SH		OTR		1,483	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	260	3,056	SH		SOLE		3,056	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	4	42	SH		OTR		42	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,952	48,914	SH		SOLE		48,914	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	694	11,494	SH		OTR		11,494	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,228	12,951	SH		SOLE		12,808	0	143
VISA INC CL A	COMMON STOCK	92826C839	69	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,061	7,069	SH		SOLE		7,069	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,619	29,273	SH		SOLE		29,273	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	11	200	SH		OTR		200	0	0
WALMART INC	COMMON STOCK	931142103	1,708	14,394	SH		SOLE		14,331	0	63
WALMART INC	COMMON STOCK	931142103	18	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	538	4,680	SH		SOLE		4,680	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	2	21	SH		OTR		21	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	335	6,635	SH		SOLE		6,635	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	66	1,300	SH		OTR		1,300	0	0
3M CO	COMMON STOCK	88579Y101	204	1,241	SH		SOLE		1,241	0	0
3M CO	COMMON STOCK	88579Y101	206	1,256	SH		OTR		1,256	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	247	12,565	SH		SOLE		12,565	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	3	137	SH		OTR		137	0	0
BANCO SANTANDER SA SPONS ADR	COMMON STOCK	05964H105	96	23,936	SH		SOLE		23,936	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	376	2,299	SH		SOLE		2,299	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	20	120	SH		OTR		120	0	0
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	201	2,312	SH		SOLE		2,312	0	0
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	11	125	SH		OTR		125	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	344	6,650	SH		SOLE		6,650	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	9	165	SH		OTR		165	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	259	1,344	SH		SOLE		1,332	0	12
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	71	370	SH		OTR		370	0	0
CARNIVAL CORP	COMMON STOCK	143658300	228	5,225	SH		SOLE		5,225	0	0
CARNIVAL CORP	COMMON STOCK	143658300	3	71	SH		OTR		71	0	0
EATON CORP PLC	COMMON STOCK	G29183103	1,224	14,718	SH		SOLE		14,718	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	1,721	49,056	SH		SOLE		49,056	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	101	2,883	SH		OTR		2,883	0	0
ICON PLC	COMMON STOCK	G4705A100	1,177	7,990	SH		SOLE		7,990	0	0
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	219	1,781	SH		SOLE		1,781	0	0
MEDTRONIC PLC	COMMON STOCK	G5960L103	260	2,395	SH		SOLE		2,365	0	30
PUBLIC STORAGE INC REIT	OTR	74460D109	611	2,490	SH		SOLE		0	0	0
CONSUMER DISCRETIONARY SELT	OTR	81369Y407	2,393	19,829	SH		SOLE		0	0	0
CONSUMER STAPLES SELECT SECTOR	OTR	81369Y308	693	11,290	SH		SOLE		0	0	0
HEALTH CARE SELECT SECTOR SPDR	OTR	81369Y209	227	2,519	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	34,766	569,278	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	792	12,966	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTR	46434G103	339	6,910	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	29,837	154,411	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	811	4,195	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	30,341	389,793	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	1,025	13,164	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	68,439	229,262	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	1,553	5,202	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	2,386	77,617	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	833	8,174	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	97	950	SH		OTR		0	0	0
ISHARES EDGE MSCI MIN VOL EAFE	OTR	46429B689	326	4,450	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	398	6,103	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	182	2,791	SH		OTR		0	0	0
ISHARES MSCI EAFE GROWTH ETF	OTR	464288885	403	5,002	SH		SOLE		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTR	464287234	368	9,015	SH		SOLE		0	0	0
ISHARES MSCI EMERGING MKT ETF	OTR	464287234	14	350	SH		OTR		0	0	0
ISHARES MSCI INDIA ETF	OTR	46429B598	570	16,968	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	1,326	11,958	SH		SOLE		0	0	0
ISHARES NASDAQ BIOTECH ETF	OTR	464287556	1,296	13,024	SH		SOLE		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTR	464287499	333	5,956	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTR	464287648	250	1,296	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	824	3,680	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	41	185	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/VALUE E	OTR	464287705	1,313	8,211	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTR	464287879	1,015	6,761	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTR	464287887	351	1,965	SH		SOLE		0	0	0
ISHARES S&P 500 GROWTH ETF	OTR	464287309	382	2,121	SH		SOLE		0	0	0
ISHARES S&P 500 VALUE ETF	OTR	464287408	424	3,559	SH		SOLE		0	0	0
MATERIALS SELECT SPDR FUND	OTR	81369Y100	817	14,032	SH		SOLE		0	0	0
MATERIALS SELECT SPDR FUND	OTR	81369Y100	25	428	SH		OTR		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	4,664	185,591	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	71	2,828	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	824	30,079	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	11,458	359,621	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	80	2,520	SH		OTR		0	0	0
SCHWAB STRATEGIC TR	OTR	808524201	32,779	462,138	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,473	26,881	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	884	16,130	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTR	808524508	8,968	158,610	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	7,521	159,454	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	31	653	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTR	808524607	8,660	124,192	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	521	1,754	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	300	1,011	SH		OTR		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	1,418	17,614	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	50	620	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	2,470	38,152	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	50	780	SH		OTR		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	2,944	71,656	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	333	8,110	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	14,541	361,187	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	441	10,960	SH		OTR		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	703	4,194	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	677	4,037	SH		OTR		0	0	0
VANGUARD INFO TECH ETF	OTR	92204A702	259	1,200	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	1,791	15,853	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	2,178	23,358	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	333	3,572	SH		OTR		0	0	0
VANGUARD S&P MID CAP 400 ETF	OTR	921932885	270	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	7,284	26,722	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	810	2,970	SH		OTR		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	1,649	12,794	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	600	3,900	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	427	2,777	SH		OTR		0	0	0
VANGUARD TOT WORLD STK INDEX	OTR	922042742	2,480	33,144	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	371	16,408	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	2	67	SH		OTR		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	9,452	291,730	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	127	3,923	SH		OTR		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTR	464287176	274	2,358	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTR	464287457	325	3,831	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	2,484	21,952	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	91	800	SH		OTR		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	271	3,107	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	1,420	12,543	SH		SOLE		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	168	1,485	SH		OTR		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	33,158	572,484	SH		SOLE		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	1,110	19,165	SH		OTR		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	18,177	338,689	SH		SOLE		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	1,834	34,175	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	34,770	274,210	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	737	5,815	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTR	72201R817	1,941	17,687	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTR	808524854	10,261	184,678	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	27,013	533,955	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	387	7,645	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTR	808524839	20,745	385,245	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTR	808524870	628	11,061	SH		SOLE		0	0	0
SPDR BLOOMBERG BARCLAYS S/T BD	OTR	78468R408	1,661	61,507	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTR	92206C870	760	8,335	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTR	92206C706	1,256	18,835	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	379	7,123	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	26	492	SH		OTR		0	0	0
VANGUARD SHORT TERM CORP BOND	OTR	92206C409	1,030	12,703	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	1,266	11,096	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	103	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	401	8,176	SH		SOLE		0	0	0