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
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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	441	4,053	SH		SOLE		4,053	0	0
ABBOTT LABS	COMMON STOCK	002824100	108	991	SH		OTR		991	0	0
ABBVIE INC	COMMON STOCK	00287Y109	854	9,750	SH		SOLE		9,750	0	0
ABBVIE INC	COMMON STOCK	00287Y109	109	1,245	SH		OTR		1,245	0	0
ADOBE INC	COMMON STOCK	00724F101	1,536	3,131	SH		SOLE		3,131	0	0
ALBEMARLE CORP	COMMON STOCK	012653101	578	6,476	SH		SOLE		6,476	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	2,021	1,379	SH		SOLE		1,377	0	2
ALPHABET INC CL A	COMMON STOCK	02079K305	37	25	SH		OTR		25	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	284	193	SH		SOLE		182	0	11
ALTRIA GROUP INC	COMMON STOCK	02209S103	181	4,683	SH		SOLE		4,683	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	417	10,799	SH		OTR		10,799	0	0
AMAZON.COM INC	COMMON STOCK	023135106	3,111	988	SH		SOLE		979	0	9
AMERICAN EXPRESS CO	COMMON STOCK	025816109	187	1,867	SH		SOLE		1,867	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	60	600	SH		OTR		600	0	0
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	2,035	14,043	SH		SOLE		14,043	0	0
AMGEN INC	COMMON STOCK	031162100	877	3,451	SH		SOLE		3,451	0	0
AMGEN INC	COMMON STOCK	031162100	18	71	SH		OTR		71	0	0
ANTHEM INC	COMMON STOCK	036752103	1,374	5,117	SH		SOLE		5,117	0	0
APPLE INC	COMMON STOCK	037833100	9,101	78,582	SH		SOLE		78,342	0	240
APPLE INC	COMMON STOCK	037833100	153	1,320	SH		OTR		1,320	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	1,399	23,540	SH		SOLE		23,540	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	486	10,459	SH		SOLE		10,459	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	4	87	SH		OTR		87	0	0
AT&T INC	COMMON STOCK	00206R102	1,022	35,846	SH		SOLE		35,846	0	0
AT&T INC	COMMON STOCK	00206R102	472	16,545	SH		OTR		16,545	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	646	4,634	SH		SOLE		4,634	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	197	1,409	SH		OTR		1,409	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	162	6,728	SH		SOLE		6,728	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	122	5,066	SH		OTR		5,066	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,443	6,777	SH		SOLE		6,755	0	22
BLACKROCK INC CL A	COMMON STOCK	09247X101	857	1,520	SH		SOLE		1,517	0	3
BLACKROCK INC CL A	COMMON STOCK	09247X101	17	31	SH		OTR		31	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,517	41,743	SH		SOLE		41,743	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	71	1,179	SH		OTR		1,179	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	355	7,567	SH		SOLE		7,567	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	4	88	SH		OTR		88	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	1,281	17,793	SH		SOLE		17,763	0	30
CHEVRON CORPORATION	COMMON STOCK	166764100	241	3,348	SH		OTR		3,348	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,121	28,457	SH		SOLE		28,266	0	191
CISCO SYSTEMS INC	COMMON STOCK	17275R102	27	687	SH		OTR		687	0	0
COCA COLA CO	COMMON STOCK	191216100	555	11,251	SH		SOLE		11,251	0	0
COLGATE PALMOLIVE CO	COMMON STOCK	194162103	221	2,867	SH		SOLE		2,867	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	525	11,345	SH		SOLE		11,298	0	47
COMCAST CORP-CL A	COMMON STOCK	20030N101	1	20	SH		OTR		20	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	1,038	5,478	SH		SOLE		5,478	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	401	1,130	SH		SOLE		1,130	0	0
CSX CORP	COMMON STOCK	126408103	357	4,602	SH		SOLE		4,602	0	0
CSX CORP	COMMON STOCK	126408103	28	360	SH		OTR		360	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	204	3,485	SH		SOLE		3,485	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	7	125	SH		OTR		125	0	0
DANAHER CORP	COMMON STOCK	235851102	424	1,970	SH		SOLE		1,970	0	0
DEERE & CO	COMMON STOCK	244199105	361	1,628	SH		SOLE		1,628	0	0
DEERE & CO	COMMON STOCK	244199105	133	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	1,465	11,810	SH		SOLE		11,788	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	12	95	SH		OTR		95	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	567	8,645	SH		SOLE		8,645	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	55	837	SH		OTR		837	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	839	24,449	SH		SOLE		24,449	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	327	9,537	SH		OTR		9,537	0	0
FACEBOOK INC-A	COMMON STOCK	30303M102	1,194	4,559	SH		SOLE		4,547	0	12
FEDEX CORPORATION	COMMON STOCK	31428X106	2,114	8,405	SH		SOLE		8,405	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	124	19,968	SH		SOLE		19,968	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	14	2,200	SH		OTR		2,200	0	0
GENERAL MLS INC	COMMON STOCK	370334104	199	3,227	SH		SOLE		3,227	0	0
GENERAL MLS INC	COMMON STOCK	370334104	34	548	SH		OTR		548	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	575	6,045	SH		SOLE		6,045	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	103	1,078	SH		OTR		1,078	0	0
HANESBRANDS INC	COMMON STOCK	410345102	390	24,733	SH		SOLE		24,733	0	0
HANESBRANDS INC	COMMON STOCK	410345102	2	133	SH		OTR		133	0	0
HOME DEPOT INC	COMMON STOCK	437076102	829	2,986	SH		SOLE		2,986	0	0
HOME DEPOT INC	COMMON STOCK	437076102	165	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	262	1,589	SH		SOLE		1,589	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	430	2,615	SH		OTR		2,615	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	666	1,693	SH		SOLE		1,693	0	0
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	86	447	SH		SOLE		447	0	0
ILLINOIS TOOL WKS INC	COMMON STOCK	452308109	122	634	SH		OTR		634	0	0
ILLUMINA INC	COMMON STOCK	452327109	528	1,707	SH		SOLE		1,707	0	0
INTEL CORP	COMMON STOCK	458140100	1,715	33,121	SH		SOLE		32,963	0	158
INTEL CORP	COMMON STOCK	458140100	78	1,501	SH		OTR		1,501	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	1,427	14,264	SH		SOLE		14,233	0	31
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	781	6,415	SH		SOLE		6,415	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	42	343	SH		OTR		343	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,248	21,818	SH		SOLE		21,741	0	77
JOHNSON & JOHNSON	COMMON STOCK	478160104	234	1,570	SH		OTR		1,570	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	3,189	33,126	SH		SOLE		33,094	0	32
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	134	1,391	SH		OTR		1,391	0	0
LILLY ELI & CO	COMMON STOCK	532457108	481	3,250	SH		SOLE		3,250	0	0
LILLY ELI & CO	COMMON STOCK	532457108	106	714	SH		OTR		714	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,312	3,424	SH		SOLE		3,424	0	0
LOWES COS INC	COMMON STOCK	548661107	1,779	10,727	SH		SOLE		10,700	0	27
LOWES COS INC	COMMON STOCK	548661107	21	125	SH		OTR		125	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,357	6,182	SH		SOLE		6,182	0	0
MCDONALDS CORP	COMMON STOCK	580135101	439	1,999	SH		OTR		1,999	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	494	5,951	SH		SOLE		5,951	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	81	975	SH		OTR		975	0	0
MICROSOFT CORP	COMMON STOCK	594918104	4,521	21,493	SH		SOLE		21,353	0	140
MICROSOFT CORP	COMMON STOCK	594918104	355	1,686	SH		OTR		1,686	0	0
NETAPP INC	COMMON STOCK	64110D104	445	10,149	SH		SOLE		10,149	0	0
NETAPP INC	COMMON STOCK	64110D104	2	47	SH		OTR		47	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	489	28,513	SH		SOLE		28,513	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	4	219	SH		OTR		219	0	0
NEWMONT CORP	COMMON STOCK	651639106	1,026	16,171	SH		SOLE		16,171	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	807	2,908	SH		SOLE		2,908	0	0
NUCOR CORP	COMMON STOCK	670346105	202	4,495	SH		SOLE		4,495	0	0
NUCOR CORP	COMMON STOCK	670346105	2	45	SH		OTR		45	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	266	2,435	SH		SOLE		2,435	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	2	18	SH		OTR		18	0	0
PALO ALTO NETWORKS	COMMON STOCK	697435105	567	2,316	SH		SOLE		2,316	0	0
PAYCHEX INC	COMMON STOCK	704326107	477	5,979	SH		SOLE		5,979	0	0
PAYCHEX INC	COMMON STOCK	704326107	4	45	SH		OTR		45	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	2,062	10,464	SH		SOLE		10,464	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	333	32,338	SH		SOLE		32,338	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	89	8,600	SH		OTR		8,600	0	0
PEPSICO INC	COMMON STOCK	713448108	2,640	19,047	SH		SOLE		19,000	0	47
PEPSICO INC	COMMON STOCK	713448108	237	1,711	SH		OTR		1,711	0	0
PFIZER INC	COMMON STOCK	717081103	1,380	37,592	SH		SOLE		37,256	0	336
PFIZER INC	COMMON STOCK	717081103	360	9,800	SH		OTR		9,800	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	168	2,243	SH		SOLE		2,243	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	508	6,774	SH		OTR		6,774	0	0
PHILLIPS 66	COMMON STOCK	718546104	688	13,273	SH		SOLE		13,273	0	0
PHILLIPS 66	COMMON STOCK	718546104	18	347	SH		OTR		347	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	233	2,120	SH		SOLE		2,120	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	2	19	SH		OTR		19	0	0
PPL CORPORATION	COMMON STOCK	69351T106	320	11,771	SH		SOLE		11,771	0	0
PPL CORPORATION	COMMON STOCK	69351T106	4	135	SH		OTR		135	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	927	6,667	SH		SOLE		6,667	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	71	510	SH		OTR		510	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	512	8,054	SH		SOLE		8,054	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	5	73	SH		OTR		73	0	0
QUALCOMM INC	COMMON STOCK	747525103	1,224	10,399	SH		SOLE		10,399	0	0
QUALCOMM INC	COMMON STOCK	747525103	33	279	SH		OTR		279	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	1,424	24,754	SH		SOLE		24,711	0	43
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	87	1,510	SH		OTR		1,510	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	1,292	6,202	SH		SOLE		6,202	0	0
TESLA INC	COMMON STOCK	88160R101	204	475	SH		SOLE		475	0	0
TRADEWEB MARKETS INC CL A	COMMON STOCK	892672106	1,485	25,606	SH		SOLE		25,606	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	636	3,814	SH		SOLE		3,814	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	82	493	SH		OTR		493	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	330	1,057	SH		SOLE		1,057	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	206	4,755	SH		SOLE		4,755	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	2	41	SH		OTR		41	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	3,133	52,668	SH		SOLE		52,668	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	646	10,863	SH		OTR		10,863	0	0
VIACOMCBS INC CL B	COMMON STOCK	92556H206	711	25,398	SH		SOLE		25,398	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	1,315	57,131	SH		SOLE		57,131	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	2	107	SH		OTR		107	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,147	10,735	SH		SOLE		10,592	0	143
VISA INC CL A	COMMON STOCK	92826C839	80	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,030	7,172	SH		SOLE		7,172	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	833	23,189	SH		SOLE		23,189	0	0
WALMART INC	COMMON STOCK	931142103	1,922	13,735	SH		SOLE		13,672	0	63
WALMART INC	COMMON STOCK	931142103	21	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	499	4,413	SH		SOLE		4,413	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	3	26	SH		OTR		26	0	0
XILINX INC	COMMON STOCK	983919101	1,181	11,329	SH		SOLE		11,329	0	0
3M CO	COMMON STOCK	88579Y101	398	2,485	SH		SOLE		2,485	0	0
3M CO	COMMON STOCK	88579Y101	150	936	SH		OTR		936	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	448	17,600	SH		SOLE		17,600	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	3	128	SH		OTR		128	0	0
BANCO SANTANDER SA SPONS ADR	COMMON STOCK	05964H105	81	43,936	SH		SOLE		43,936	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	488	3,547	SH		SOLE		3,547	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	17	124	SH		OTR		124	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	568	8,183	SH		SOLE		8,183	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	12	168	SH		OTR		168	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	217	961	SH		SOLE		961	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	23	100	SH		OTR		100	0	0
AON PLC	COMMON STOCK	G0403H108	785	3,803	SH		SOLE		3,803	0	0
CYBERARK SOFTWARE LTD	COMMON STOCK	M2682V108	1,159	11,204	SH		SOLE		11,204	0	0
EATON CORP PLC	COMMON STOCK	G29183103	1,355	13,279	SH		SOLE		13,279	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	1,579	54,065	SH		SOLE		54,065	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	85	2,906	SH		OTR		2,906	0	0
ICON PLC	COMMON STOCK	G4705A100	1,363	7,133	SH		SOLE		7,133	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	244	3,455	SH		SOLE		3,455	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	2	31	SH		OTR		31	0	0
PUBLIC STORAGE INC REIT	OTR	74460D109	1,306	5,864	SH		SOLE		0	0	0
CONSUMER DISCRETIONARY SELT	OTR	81369Y407	2,612	17,771	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	37,274	618,341	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	754	12,513	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTR	46434G103	542	10,256	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	30,993	167,251	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	616	3,322	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	29,913	425,927	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	869	12,378	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	72,325	215,215	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	1,551	4,615	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	2,448	98,183	SH		SOLE		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	7	270	SH		OTR		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	235	2,888	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	77	950	SH		OTR		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	446	7,007	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	191	3,002	SH		OTR		0	0	0
ISHARES MSCI EAFE MIN VOL FACT	OTR	46429B689	303	4,450	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	1,562	12,208	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	196	1,530	SH		OTR		0	0	0
ISHARES NASDAQ BIOTECH ETF	OTR	464287556	1,633	12,056	SH		SOLE		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTR	464287499	356	6,207	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTR	464287648	283	1,276	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	683	2,854	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	965	7,156	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTR	464287879	723	5,909	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTR	464287887	287	1,625	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	6,357	237,541	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	7	250	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	707	29,801	SH		SOLE		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	13,648	434,659	SH		SOLE		0	0	0
SCHWAB STRATEGIC TR	OTR	808524201	40,801	506,028	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,922	34,760	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,091	19,720	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTR	808524508	10,262	184,964	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	6,034	170,605	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	28	787	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTR	808524607	10,083	147,590	SH		SOLE		0	0	0
SPDR GOLD TRUST	OTR	78463V107	659	3,720	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	840	2,507	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	344	1,028	SH		OTR		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	2,610	22,364	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	64	550	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	2,136	35,979	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	17	292	SH		OTR		0	0	0
VANGUARD DIVIDEND APPREC ETF	OTR	921908844	207	1,606	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	1,710	41,800	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	332	8,110	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	17,195	397,654	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	497	11,498	SH		OTR		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	752	4,264	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	613	3,476	SH		OTR		0	0	0
VANGUARD INFO TECH ETF	OTR	92204A702	303	973	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	1,894	18,685	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	1,858	23,527	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	226	2,859	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	6,755	21,957	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	595	1,934	SH		OTR		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	1,784	16,127	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	753	4,897	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	327	2,126	SH		OTR		0	0	0
VANGUARD TOT WORLD STK INDEX	OTR	922042742	3,293	40,840	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	14,156	424,468	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	273	8,194	SH		OTR		0	0	0
ISHARES BARCLAYS TIPS BOND ETF	OTR	464287176	286	2,259	SH		SOLE		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTR	464287457	265	3,068	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	3,405	28,845	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE BO	OTR	464287226	86	732	SH		OTR		0	0	0
ISHARES IBOXX INV GRD CORP BON	OTR	464287242	368	2,732	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	51	608	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	207	2,465	SH		OTR		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	1,505	12,781	SH		SOLE		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	177	1,505	SH		OTR		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	27,911	458,992	SH		SOLE		0	0	0
ISHARES INTERMEDIATE TERM CORP	OTR	464288638	1,132	18,623	SH		OTR		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	45,339	825,698	SH		SOLE		0	0	0
ISHARES SHORT-TERM CORPORATE B	OTR	464288646	983	17,911	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	40,598	303,900	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	800	5,991	SH		OTR		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTR	464287440	10,922	89,659	SH		SOLE		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTR	464287440	25	206	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTR	72201R817	1,313	11,451	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTR	808524854	12,783	217,835	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	8,925	173,298	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	1,215	23,600	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTR	808524839	26,844	478,666	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTR	808524870	1,807	29,322	SH		SOLE		0	0	0
SCHWAB 5-10 YEAR CORPORATE B	OTR	808524698	1,342	25,425	SH		SOLE		0	0	0
SPDR BLOOMBERG BARCLAYS S/T BD	OTR	78468R408	2,271	87,783	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTR	92206C870	556	5,808	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTR	92206C706	1,737	24,640	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	316	5,822	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	28	515	SH		OTR		0	0	0
VANGUARD SHORT TERM CORP BOND	OTR	92206C409	583	7,042	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	1,332	11,492	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	155	1,340	SH		OTR		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTR	464288158	219	2,025	SH		SOLE		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTR	464288158	51	470	SH		OTR		0	0	0
SPDR NUVEEN BLOOMBERG BARCLAYS	OTR	78468R739	556	11,143	SH		SOLE		0	0	0