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	362	4,168	SH		SOLE		4,168	0	0
ABBOTT LABS	COMMON STOCK	002824100	86	991	SH		OTR		991	0	0
ABBVIE INC	COMMON STOCK	00287Y109	796	8,985	SH		SOLE		8,985	0	0
ABBVIE INC	COMMON STOCK	00287Y109	110	1,245	SH		OTR		1,245	0	0
ADOBE INC	COMMON STOCK	00724F101	403	1,223	SH		SOLE		1,223	0	0
ALBEMARLE CORP	COMMON STOCK	012653101	365	4,995	SH		SOLE		4,995	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	1,993	1,488	SH		SOLE		1,486	0	2
ALPHABET INC CL A	COMMON STOCK	02079K305	74	55	SH		OTR		55	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	217	162	SH		SOLE		151	0	11
ALPHABET INC CL C	COMMON STOCK	02079K107	40	30	SH		OTR		30	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	234	4,683	SH		SOLE		4,683	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	521	10,439	SH		OTR		10,439	0	0
AMAZON.COM INC	COMMON STOCK	023135106	2,049	1,109	SH		SOLE		1,097	0	12
AMERICAN EXPRESS CO	COMMON STOCK	025816109	251	2,017	SH		SOLE		2,017	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	75	600	SH		OTR		600	0	0
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	2,078	16,915	SH		SOLE		16,915	0	0
AMGEN INC	COMMON STOCK	031162100	793	3,290	SH		SOLE		3,290	0	0
AMGEN INC	COMMON STOCK	031162100	17	71	SH		OTR		71	0	0
ANTHEM INC	COMMON STOCK	036752103	2,094	6,932	SH		SOLE		6,932	0	0
APPLE INC	COMMON STOCK	037833100	6,187	21,068	SH		SOLE		20,974	0	94
APPLE INC	COMMON STOCK	037833100	540	1,838	SH		OTR		1,838	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	1,764	28,902	SH		SOLE		28,902	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	423	9,132	SH		SOLE		9,132	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	4	87	SH		OTR		87	0	0
AT&T INC	COMMON STOCK	00206R102	1,361	34,827	SH		SOLE		34,827	0	0
AT&T INC	COMMON STOCK	00206R102	712	18,220	SH		OTR		18,220	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	782	4,587	SH		SOLE		4,587	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	313	1,834	SH		OTR		1,834	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	336	9,530	SH		SOLE		9,530	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	196	5,566	SH		OTR		5,566	0	0
BAXTER INTL INC	COMMON STOCK	071813109	221	2,645	SH		SOLE		2,645	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,533	6,769	SH		SOLE		6,747	0	22
BLACKROCK INC CL A	COMMON STOCK	09247X101	816	1,623	SH		SOLE		1,620	0	3
BLACKROCK INC CL A	COMMON STOCK	09247X101	17	34	SH		OTR		34	0	0
BOEING CO	COMMON STOCK	097023105	248	760	SH		SOLE		760	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,899	45,162	SH		SOLE		45,162	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	87	1,354	SH		OTR		1,354	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	354	7,000	SH		SOLE		7,000	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	4	88	SH		OTR		88	0	0
CHARLES SCHWAB CORP	COMMON STOCK	808513105	1,006	21,161	SH		SOLE		21,161	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	2,125	17,631	SH		SOLE		17,601	0	30
CHEVRON CORPORATION	COMMON STOCK	166764100	406	3,368	SH		OTR		3,368	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,269	26,454	SH		SOLE		26,263	0	191
CISCO SYSTEMS INC	COMMON STOCK	17275R102	35	727	SH		OTR		727	0	0
COCA COLA CO	COMMON STOCK	191216100	830	14,996	SH		SOLE		14,996	0	0
COCA COLA CO	COMMON STOCK	191216100	22	400	SH		OTR		400	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	278	6,176	SH		SOLE		6,129	0	47
COMCAST CORP-CL A	COMMON STOCK	20030N101	69	1,525	SH		OTR		1,525	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	279	4,298	SH		SOLE		4,298	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	100	1,534	SH		OTR		1,534	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	1,170	6,165	SH		SOLE		6,165	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	321	1,092	SH		SOLE		1,092	0	0
CSX CORP	COMMON STOCK	126408103	333	4,602	SH		SOLE		4,602	0	0
CSX CORP	COMMON STOCK	126408103	31	425	SH		OTR		425	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	269	3,622	SH		SOLE		3,622	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	47	637	SH		OTR		637	0	0
DANAHER CORP	COMMON STOCK	235851102	261	1,703	SH		SOLE		1,703	0	0
DEERE & CO	COMMON STOCK	244199105	296	1,710	SH		SOLE		1,710	0	0
DEERE & CO	COMMON STOCK	244199105	104	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,196	15,181	SH		SOLE		15,159	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	14	95	SH		OTR		95	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	90	992	SH		SOLE		992	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	204	2,239	SH		OTR		2,239	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	542	7,106	SH		SOLE		7,106	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	64	837	SH		OTR		837	0	0
EXXONMOBIL CORP	COMMON STOCK	30231G102	1,927	27,618	SH		SOLE		27,618	0	0
EXXONMOBIL CORP	COMMON STOCK	30231G102	695	9,967	SH		OTR		9,967	0	0
FACEBOOK INC-A	COMMON STOCK	30303M102	1,576	7,679	SH		SOLE		7,667	0	12
FEDEX CORPORATION	COMMON STOCK	31428X106	1,633	10,798	SH		SOLE		10,798	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	241	21,585	SH		SOLE		21,585	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	32	2,900	SH		OTR		2,900	0	0
GENERAL MLS INC	COMMON STOCK	370334104	249	4,651	SH		SOLE		4,651	0	0
GENERAL MLS INC	COMMON STOCK	370334104	29	548	SH		OTR		548	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	449	4,229	SH		SOLE		4,229	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	150	1,408	SH		OTR		1,408	0	0
HOME DEPOT INC	COMMON STOCK	437076102	658	3,014	SH		SOLE		3,014	0	0
HOME DEPOT INC	COMMON STOCK	437076102	129	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	246	1,391	SH		SOLE		1,391	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	478	2,700	SH		OTR		2,700	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	352	1,348	SH		SOLE		1,348	0	0
ILLUMINA INC	COMMON STOCK	452327109	621	1,873	SH		SOLE		1,873	0	0
INTEL CORP	COMMON STOCK	458140100	1,538	25,700	SH		SOLE		25,542	0	158
INTEL CORP	COMMON STOCK	458140100	94	1,574	SH		OTR		1,574	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	2,217	23,952	SH		SOLE		23,921	0	31
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	770	5,744	SH		SOLE		5,744	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	46	343	SH		OTR		343	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,151	21,599	SH		SOLE		21,522	0	77
JOHNSON & JOHNSON	COMMON STOCK	478160104	305	2,090	SH		OTR		2,090	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	3,933	28,211	SH		SOLE		28,179	0	32
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	198	1,420	SH		OTR		1,420	0	0
LILLY ELI & CO	COMMON STOCK	532457108	434	3,301	SH		SOLE		3,301	0	0
LILLY ELI & CO	COMMON STOCK	532457108	97	739	SH		OTR		739	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,431	3,675	SH		SOLE		3,675	0	0
LOWES COS INC	COMMON STOCK	548661107	1,443	12,052	SH		SOLE		12,025	0	27
LOWES COS INC	COMMON STOCK	548661107	12	100	SH		OTR		100	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,194	6,043	SH		SOLE		6,043	0	0
MCDONALDS CORP	COMMON STOCK	580135101	449	2,274	SH		OTR		2,274	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	597	6,560	SH		SOLE		6,560	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	108	1,191	SH		OTR		1,191	0	0
MICROSOFT CORP	COMMON STOCK	594918104	3,811	24,168	SH		SOLE		24,000	0	168
MICROSOFT CORP	COMMON STOCK	594918104	269	1,707	SH		OTR		1,707	0	0
NETAPP INC	COMMON STOCK	64110D104	525	8,435	SH		SOLE		8,435	0	0
NETAPP INC	COMMON STOCK	64110D104	3	47	SH		OTR		47	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	753	3,110	SH		SOLE		3,110	0	0
ONEOK INC	COMMON STOCK	682680103	215	2,844	SH		SOLE		2,844	0	0
PALO ALTO NETWORKS	COMMON STOCK	697435105	351	1,517	SH		SOLE		1,517	0	0
PAYCHEX INC	COMMON STOCK	704326107	394	4,631	SH		SOLE		4,631	0	0
PAYCHEX INC	COMMON STOCK	704326107	4	45	SH		OTR		45	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	1,401	12,951	SH		SOLE		12,951	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	571	33,788	SH		SOLE		33,788	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	159	9,396	SH		OTR		9,396	0	0
PEPSICO INC	COMMON STOCK	713448108	2,762	20,208	SH		SOLE		20,161	0	47
PEPSICO INC	COMMON STOCK	713448108	247	1,809	SH		OTR		1,809	0	0
PFIZER INC	COMMON STOCK	717081103	1,382	35,275	SH		SOLE		34,939	0	336
PFIZER INC	COMMON STOCK	717081103	384	9,801	SH		OTR		9,801	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	226	2,656	SH		SOLE		2,656	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	585	6,874	SH		OTR		6,874	0	0
PHILLIPS 66	COMMON STOCK	718546104	1,563	14,031	SH		SOLE		14,031	0	0
PHILLIPS 66	COMMON STOCK	718546104	55	493	SH		OTR		493	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	244	1,531	SH		SOLE		1,531	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	3	19	SH		OTR		19	0	0
PPL CORPORATION	COMMON STOCK	69351T106	332	9,260	SH		SOLE		9,260	0	0
PPL CORPORATION	COMMON STOCK	69351T106	3	85	SH		OTR		85	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	812	6,503	SH		SOLE		6,503	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	95	760	SH		OTR		760	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	616	6,569	SH		SOLE		6,569	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	7	73	SH		OTR		73	0	0
QUALCOMM INC	COMMON STOCK	747525103	905	10,258	SH		SOLE		10,258	0	0
QUALCOMM INC	COMMON STOCK	747525103	25	279	SH		OTR		279	0	0
RAYTHEON COMPANY	COMMON STOCK	755111507	1,575	7,168	SH		SOLE		7,168	0	0
SKYWORKS SOLUTIONS INC	COMMON STOCK	83088M102	1,400	11,582	SH		SOLE		11,582	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	221	3,465	SH		SOLE		3,465	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	46	722	SH		OTR		722	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	1,361	6,485	SH		SOLE		6,485	0	0
SYSCO CORP	COMMON STOCK	871829107	214	2,502	SH		SOLE		2,502	0	0
SYSCO CORP	COMMON STOCK	871829107	14	166	SH		OTR		166	0	0
TRADEWEB MARKETS INC CL A	COMMON STOCK	892672106	1,148	24,760	SH		SOLE		24,760	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	431	3,683	SH		SOLE		3,683	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	58	493	SH		OTR		493	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	825	5,511	SH		SOLE		5,468	0	43
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	222	1,484	SH		OTR		1,484	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	307	1,043	SH		SOLE		1,043	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	364	3,892	SH		SOLE		3,892	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	4	41	SH		OTR		41	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	3,183	51,843	SH		SOLE		51,843	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	695	11,313	SH		OTR		11,313	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,241	11,924	SH		SOLE		11,781	0	143
VISA INC CL A	COMMON STOCK	92826C839	75	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,114	7,340	SH		SOLE		7,340	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,415	24,002	SH		SOLE		24,002	0	0
WALMART INC	COMMON STOCK	931142103	1,750	14,725	SH		SOLE		14,662	0	63
WALMART INC	COMMON STOCK	931142103	18	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	471	4,132	SH		SOLE		4,132	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	3	26	SH		OTR		26	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	353	6,555	SH		SOLE		6,555	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	70	1,300	SH		OTR		1,300	0	0
3M CO	COMMON STOCK	88579Y101	339	1,924	SH		SOLE		1,924	0	0
3M CO	COMMON STOCK	88579Y101	222	1,256	SH		OTR		1,256	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	362	15,044	SH		SOLE		15,044	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	3	128	SH		OTR		128	0	0
BANCO SANTANDER SA SPONS ADR	COMMON STOCK	05964H105	140	33,936	SH		SOLE		33,936	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	462	2,742	SH		SOLE		2,742	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	21	124	SH		OTR		124	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	448	7,741	SH		SOLE		7,741	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	10	168	SH		OTR		168	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	177	841	SH		SOLE		841	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	78	370	SH		OTR		370	0	0
CARNIVAL CORP	COMMON STOCK	143658300	318	6,256	SH		SOLE		6,256	0	0
CYBERARK SOFTWARE LTD	COMMON STOCK	M2682V108	683	5,862	SH		SOLE		5,862	0	0
EATON CORP PLC	COMMON STOCK	G29183103	1,432	15,120	SH		SOLE		15,120	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	2,144	53,911	SH		SOLE		53,911	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	115	2,884	SH		OTR		2,884	0	0
GILDAN ACTIVEWEAR INC CL A	COMMON STOCK	375916103	811	27,467	SH		SOLE		27,467	0	0
ICON PLC	COMMON STOCK	G4705A100	1,416	8,222	SH		SOLE		8,222	0	0
INGERSOLL-RAND PLC	COMMON STOCK	G47791101	276	2,076	SH		SOLE		2,076	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	284	3,003	SH		SOLE		3,003	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	3	31	SH		OTR		31	0	0
PUBLIC STORAGE INC REIT	OTR	74460D109	881	4,138	SH		SOLE		0	0	0
CONSUMER DISCRETIONARY SELT	OTR	81369Y407	1,764	14,062	SH		SOLE		0	0	0
FINANCIAL SELECT SECTOR SPDR	OTR	81369Y605	296	9,619	SH		SOLE		0	0	0
HEALTH CARE SELECT SECTOR SPDR	OTR	81369Y209	243	2,384	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	38,408	588,724	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	850	13,036	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTR	46434G103	636	11,824	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	32,908	159,887	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	852	4,140	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	33,582	400,498	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	1,106	13,188	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	74,762	231,289	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	1,500	4,642	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	2,779	82,792	SH		SOLE		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	9	270	SH		OTR		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	863	8,169	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	100	950	SH		OTR		0	0	0
ISHARES EDGE MSCI MIN VOL EAFE	OTR	46429B689	332	4,450	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	509	7,327	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	190	2,739	SH		OTR		0	0	0
ISHARES MSCI INDIA ETF	OTR	46429B598	513	14,598	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	1,479	12,314	SH		SOLE		0	0	0
ISHARES NASDAQ BIOTECH ETF	OTR	464287556	2,552	21,177	SH		SOLE		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTR	464287499	370	6,207	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTR	464287655	222	1,342	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTR	464287648	273	1,276	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	822	3,454	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	44	185	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/VALUE E	OTR	464287705	1,305	7,641	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTR	464287879	986	6,129	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTR	464287887	314	1,625	SH		SOLE		0	0	0
MATERIALS SELECT SPDR FUND	OTR	81369Y100	866	14,100	SH		SOLE		0	0	0
MATERIALS SELECT SPDR FUND	OTR	81369Y100	27	432	SH		OTR		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	5,408	197,590	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	77	2,828	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	834	27,954	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	12,719	378,192	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	85	2,520	SH		OTR		0	0	0
SCHWAB STRATEGIC TR	OTR	808524201	37,146	483,612	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,531	26,439	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	934	16,130	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTR	808524508	10,096	167,842	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	7,598	165,312	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	29	638	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTR	808524607	9,995	132,136	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	706	2,194	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	325	1,011	SH		OTR		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	2,256	24,606	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	57	620	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	2,504	38,755	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	51	792	SH		OTR		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	3,177	72,112	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	357	8,110	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	16,490	370,823	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	489	10,998	SH		OTR		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	750	4,208	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	719	4,037	SH		OTR		0	0	0
VANGUARD INFO TECH ETF	OTR	92204A702	294	1,200	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	1,865	15,647	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	2,281	24,587	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	331	3,570	SH		OTR		0	0	0
VANGUARD S&P MID CAP 400 ETF	OTR	921932885	287	2,069	SH		SOLE		0	0	0
VANGUARD S&P SMALL-CAP 600 ETF	OTR	921932828	292	1,919	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	7,908	26,734	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	807	2,728	SH		OTR		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	1,752	12,784	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	685	4,134	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	460	2,777	SH		OTR		0	0	0
VANGUARD TOT WORLD STK INDEX	OTR	922042742	2,519	31,103	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	237	10,379	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	2	67	SH		OTR		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	9,751	307,879	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	122	3,843	SH		OTR		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTR	464287176	264	2,268	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTR	464287457	317	3,751	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	2,577	22,937	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	82	732	SH		OTR		0	0	0
ISHARES IBOXX INV GRD CORP BON	OTR	464287242	364	2,842	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	131	1,487	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	170	1,935	SH		OTR		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	1,398	12,411	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	34,430	593,821	SH		SOLE		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	1,097	18,923	SH		OTR		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	19,321	360,274	SH		SOLE		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	1,816	33,858	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	36,081	286,926	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	716	5,697	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTR	72201R817	1,789	16,273	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTR	808524854	10,973	199,761	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	28,214	558,917	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	411	8,139	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTR	808524839	22,994	430,362	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTR	808524870	599	10,572	SH		SOLE		0	0	0
SCHWAB 5-10 YEAR CORPORATE B	OTR	808524698	338	6,757	SH		SOLE		0	0	0
SPDR BLOOMBERG BARCLAYS S/T BD	OTR	78468R408	1,650	61,256	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTR	92206C870	761	8,335	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTR	92206C706	1,238	18,791	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	306	5,746	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	1,101	13,583	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	1,288	11,310	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	153	1,340	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	444	9,034	SH		SOLE		0	0	0