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	458	3,954	SH		SOLE		3,954	0	0
ABBOTT LABS	COMMON STOCK	002824100	106	916	SH		OTR		916	0	0
ABBVIE INC	COMMON STOCK	00287Y109	1,189	10,558	SH		SOLE		10,558	0	0
ABBVIE INC	COMMON STOCK	00287Y109	140	1,245	SH		OTR		1,245	0	0
ADOBE INC	COMMON STOCK	00724F101	2,481	4,236	SH		SOLE		4,236	0	0
ALBEMARLE CORP	COMMON STOCK	012653101	1,649	9,788	SH		SOLE		9,788	0	0
ALBEMARLE CORP	COMMON STOCK	012653101	9	53	SH		OTR		53	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	3,963	1,623	SH		SOLE		1,621	0	2
ALPHABET INC CL A	COMMON STOCK	02079K305	61	25	SH		OTR		25	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	2,672	1,066	SH		SOLE		1,055	0	11
ALTRIA GROUP INC	COMMON STOCK	02209S103	223	4,673	SH		SOLE		4,673	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	499	10,475	SH		OTR		10,475	0	0
AMAZON.COM INC	COMMON STOCK	023135106	3,495	1,016	SH		SOLE		1,007	0	9
AMERICAN EXPRESS CO	COMMON STOCK	025816109	318	1,927	SH		SOLE		1,927	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	99	600	SH		OTR		600	0	0
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	2,092	13,572	SH		SOLE		13,572	0	0
AMGEN INC	COMMON STOCK	031162100	840	3,446	SH		SOLE		3,446	0	0
AMGEN INC	COMMON STOCK	031162100	47	191	SH		OTR		191	0	0
ANTHEM INC	COMMON STOCK	036752103	2,210	5,789	SH		SOLE		5,789	0	0
APPLE INC	COMMON STOCK	037833100	10,345	75,534	SH		SOLE		75,294	0	240
APPLE INC	COMMON STOCK	037833100	148	1,084	SH		OTR		1,084	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	3,035	21,312	SH		SOLE		21,312	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	606	10,003	SH		SOLE		10,003	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	28	461	SH		OTR		461	0	0
AT&T INC	COMMON STOCK	00206R102	955	33,170	SH		SOLE		33,170	0	0
AT&T INC	COMMON STOCK	00206R102	493	17,119	SH		OTR		17,119	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	877	4,417	SH		SOLE		4,417	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	280	1,409	SH		OTR		1,409	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	257	6,224	SH		SOLE		6,224	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	209	5,066	SH		OTR		5,066	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,802	6,484	SH		SOLE		6,484	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	1,105	1,263	SH		SOLE		1,263	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	66	75	SH		OTR		75	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,973	44,499	SH		SOLE		44,499	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	110	1,653	SH		OTR		1,653	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	378	6,625	SH		SOLE		6,625	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	24	416	SH		OTR		416	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	1,724	16,458	SH		SOLE		16,458	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	368	3,516	SH		OTR		3,516	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,583	29,869	SH		SOLE		29,678	0	191
CISCO SYSTEMS INC	COMMON STOCK	17275R102	80	1,509	SH		OTR		1,509	0	0
CLOROX COMPANY	COMMON STOCK	189054109	401	2,230	SH		SOLE		2,230	0	0
CLOROX COMPANY	COMMON STOCK	189054109	29	160	SH		OTR		160	0	0
COCA COLA CO	COMMON STOCK	191216100	650	12,007	SH		SOLE		12,007	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	801	14,047	SH		SOLE		14,047	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	31	542	SH		OTR		542	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	173	2,835	SH		SOLE		2,835	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	73	1,198	SH		OTR		1,198	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	1,311	5,606	SH		SOLE		5,606	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	443	1,120	SH		SOLE		1,120	0	0
CSX CORP	COMMON STOCK	126408103	440	13,716	SH		SOLE		13,716	0	0
CSX CORP	COMMON STOCK	126408103	35	1,080	SH		OTR		1,080	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	284	3,408	SH		SOLE		3,408	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	10	125	SH		OTR		125	0	0
DANAHER CORP	COMMON STOCK	235851102	535	1,995	SH		SOLE		1,995	0	0
DEERE & CO	COMMON STOCK	244199105	557	1,578	SH		SOLE		1,578	0	0
DEERE & CO	COMMON STOCK	244199105	212	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,237	12,725	SH		SOLE		12,703	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	17	95	SH		OTR		95	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	132	1,342	SH		SOLE		1,342	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	96	972	SH		OTR		972	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	874	9,084	SH		SOLE		9,084	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	102	1,062	SH		OTR		1,062	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,368	21,679	SH		SOLE		21,679	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	557	8,834	SH		OTR		8,834	0	0
FACEBOOK INC-A	COMMON STOCK	30303M102	2,151	6,187	SH		SOLE		6,175	0	12
FASTENAL CO	COMMON STOCK	311900104	1,287	24,757	SH		SOLE		24,757	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	1,543	5,173	SH		SOLE		5,173	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	262	19,485	SH		SOLE		19,485	0	0
GENERAL ELECTRIC CORP	COMMON STOCK	369604103	30	2,200	SH		OTR		2,200	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	687	5,434	SH		SOLE		5,434	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	136	1,073	SH		OTR		1,073	0	0
HANESBRANDS INC	COMMON STOCK	410345102	593	31,741	SH		SOLE		31,741	0	0
HANESBRANDS INC	COMMON STOCK	410345102	27	1,427	SH		OTR		1,427	0	0
HOME DEPOT INC	COMMON STOCK	437076102	953	2,990	SH		SOLE		2,990	0	0
HOME DEPOT INC	COMMON STOCK	437076102	189	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	273	1,245	SH		SOLE		1,245	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	570	2,600	SH		OTR		2,600	0	0
HUNTINGTON INGALLS INDUSTRIES	COMMON STOCK	446413106	484	2,297	SH		SOLE		2,297	0	0
HUNTINGTON INGALLS INDUSTRIES	COMMON STOCK	446413106	28	134	SH		OTR		134	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	949	1,503	SH		SOLE		1,503	0	0
II-VI INC	COMMON STOCK	902104108	793	10,930	SH		SOLE		10,930	0	0
ILLUMINA INC	COMMON STOCK	452327109	997	2,107	SH		SOLE		2,107	0	0
INTEL CORP	COMMON STOCK	458140100	2,044	36,402	SH		SOLE		36,244	0	158
INTEL CORP	COMMON STOCK	458140100	150	2,666	SH		OTR		2,666	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	1,707	14,383	SH		SOLE		14,383	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	935	6,375	SH		SOLE		6,375	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	75	513	SH		OTR		513	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,677	22,320	SH		SOLE		22,243	0	77
JOHNSON & JOHNSON	COMMON STOCK	478160104	266	1,616	SH		OTR		1,616	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	4,960	31,888	SH		SOLE		31,856	0	32
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	221	1,424	SH		OTR		1,424	0	0
LILLY ELI & CO	COMMON STOCK	532457108	620	2,703	SH		SOLE		2,703	0	0
LILLY ELI & CO	COMMON STOCK	532457108	95	414	SH		OTR		414	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,424	3,764	SH		SOLE		3,764	0	0
LOWES COS INC	COMMON STOCK	548661107	2,166	11,168	SH		SOLE		11,168	0	0
LOWES COS INC	COMMON STOCK	548661107	19	100	SH		OTR		100	0	0
MASTEC INC	COMMON STOCK	576323109	1,554	14,650	SH		SOLE		14,650	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,469	6,360	SH		SOLE		6,360	0	0
MCDONALDS CORP	COMMON STOCK	580135101	488	2,112	SH		OTR		2,112	0	0
MDU RESOURCES GROUP INC	COMMON STOCK	552690109	1,940	61,890	SH		SOLE		61,890	0	0
MDU RESOURCES GROUP INC	COMMON STOCK	552690109	35	1,130	SH		OTR		1,130	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	427	5,485	SH		SOLE		5,485	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	64	825	SH		OTR		825	0	0
MICROSOFT CORP	COMMON STOCK	594918104	5,714	21,091	SH		SOLE		20,972	0	119
MICROSOFT CORP	COMMON STOCK	594918104	410	1,514	SH		OTR		1,514	0	0
NETAPP INC	COMMON STOCK	64110D104	787	9,621	SH		SOLE		9,621	0	0
NETAPP INC	COMMON STOCK	64110D104	36	445	SH		OTR		445	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	944	34,356	SH		SOLE		34,356	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	41	1,498	SH		OTR		1,498	0	0
NEWMONT CORP	COMMON STOCK	651639106	1,274	20,097	SH		SOLE		20,097	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	822	11,212	SH		SOLE		11,212	0	0
NUCOR CORP	COMMON STOCK	670346105	537	5,600	SH		SOLE		5,600	0	0
NUCOR CORP	COMMON STOCK	670346105	22	231	SH		OTR		231	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	210	2,693	SH		SOLE		2,693	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	358	2,647	SH		SOLE		2,647	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	19	138	SH		OTR		138	0	0
PALO ALTO NETWORKS	COMMON STOCK	697435105	527	1,419	SH		SOLE		1,419	0	0
PAYCHEX INC	COMMON STOCK	704326107	658	6,133	SH		SOLE		6,133	0	0
PAYCHEX INC	COMMON STOCK	704326107	38	351	SH		OTR		351	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	2,722	9,337	SH		SOLE		9,337	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	421	24,568	SH		SOLE		24,568	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	129	7,500	SH		OTR		7,500	0	0
PEPSICO INC	COMMON STOCK	713448108	2,821	19,042	SH		SOLE		18,995	0	47
PEPSICO INC	COMMON STOCK	713448108	283	1,913	SH		OTR		1,913	0	0
PFIZER INC	COMMON STOCK	717081103	1,251	31,953	SH		SOLE		31,617	0	336
PFIZER INC	COMMON STOCK	717081103	296	7,562	SH		OTR		7,562	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	188	1,896	SH		SOLE		1,896	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	639	6,450	SH		OTR		6,450	0	0
PHILLIPS 66	COMMON STOCK	718546104	963	11,225	SH		SOLE		11,225	0	0
PHILLIPS 66	COMMON STOCK	718546104	30	347	SH		OTR		347	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	554	2,906	SH		SOLE		2,906	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	34	179	SH		OTR		179	0	0
PPL CORPORATION	COMMON STOCK	69351T106	373	13,329	SH		SOLE		13,329	0	0
PPL CORPORATION	COMMON STOCK	69351T106	20	720	SH		OTR		720	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	884	6,554	SH		SOLE		6,554	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	49	360	SH		OTR		360	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	744	7,259	SH		SOLE		7,259	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	37	358	SH		OTR		358	0	0
PUBLIC STORAGE INC REIT	COMMON STOCK	74460D109	1,664	5,533	SH		SOLE		5,533	0	0
QUALCOMM INC	COMMON STOCK	747525103	967	6,765	SH		SOLE		6,765	0	0
QUALCOMM INC	COMMON STOCK	747525103	60	422	SH		OTR		422	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	1,812	21,239	SH		SOLE		21,239	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	109	1,278	SH		OTR		1,278	0	0
REGIONS FINANCIAL CORP	COMMON STOCK	7591EP100	716	35,471	SH		SOLE		35,471	0	0
SALESFORCE.COM INC	COMMON STOCK	79466L302	816	3,342	SH		SOLE		3,342	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	184	3,033	SH		SOLE		3,033	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	44	722	SH		OTR		722	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	1,772	6,823	SH		SOLE		6,823	0	0
TARGET CORP	COMMON STOCK	87612E106	284	1,175	SH		SOLE		1,175	0	0
TESLA INC	COMMON STOCK	88160R101	218	320	SH		SOLE		320	0	0
TRADEWEB MARKETS INC CL A	COMMON STOCK	892672106	2,024	23,930	SH		SOLE		23,930	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	669	3,215	SH		SOLE		3,215	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	117	561	SH		OTR		561	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	415	1,037	SH		SOLE		1,037	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	287	3,677	SH		SOLE		3,677	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	15	187	SH		OTR		187	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	3,560	63,544	SH		SOLE		63,544	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	594	10,606	SH		OTR		10,606	0	0
VERTEX PHARMACEUTICALS INC	COMMON STOCK	92532F100	1,419	7,040	SH		SOLE		7,040	0	0
VIACOMCBS INC CL B	COMMON STOCK	92556H206	661	14,618	SH		SOLE		14,618	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	1,719	62,212	SH		SOLE		62,212	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	29	1,045	SH		OTR		1,045	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,563	10,963	SH		SOLE		10,836	0	127
VISA INC CL A	COMMON STOCK	92826C839	94	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,561	9,759	SH		SOLE		9,759	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,607	30,537	SH		SOLE		30,537	0	0
WALMART INC	COMMON STOCK	931142103	1,983	14,065	SH		SOLE		14,002	0	63
WALMART INC	COMMON STOCK	931142103	21	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	656	4,682	SH		SOLE		4,682	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	27	196	SH		OTR		196	0	0
3M CO	COMMON STOCK	88579Y101	559	2,812	SH		SOLE		2,812	0	0
3M CO	COMMON STOCK	88579Y101	183	920	SH		OTR		920	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	605	17,787	SH		SOLE		17,787	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	29	856	SH		OTR		856	0	0
BANCO SANTANDER SA SPONS ADR	COMMON STOCK	05964H105	172	43,936	SH		SOLE		43,936	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	723	3,773	SH		SOLE		3,773	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	50	260	SH		OTR		260	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	650	7,761	SH		SOLE		7,761	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	34	402	SH		OTR		402	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	283	961	SH		SOLE		961	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	29	100	SH		OTR		100	0	0
AON PLC	COMMON STOCK	G0403H108	721	3,018	SH		SOLE		3,018	0	0
CYBERARK SOFTWARE LTD	COMMON STOCK	M2682V108	2,220	17,044	SH		SOLE		17,044	0	0
EATON CORP PLC	COMMON STOCK	G29183103	1,920	12,956	SH		SOLE		12,956	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	2,104	52,538	SH		SOLE		52,538	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	115	2,881	SH		OTR		2,881	0	0
ICON PLC	COMMON STOCK	G4705A100	1,619	7,832	SH		SOLE		7,832	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	284	2,762	SH		SOLE		2,762	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	15	143	SH		OTR		143	0	0
CONSUMER DISCRETIONARY SELT	OTR	81369Y407	3,846	21,542	SH		SOLE		0	0	0
FINANCIAL SELECT SECTOR SPDR	OTR	81369Y605	584	15,920	SH		SOLE		0	0	0
INVESCO QQQ TRUST SERIES 1	OTR	46090E103	269	758	SH		SOLE		0	0	0
ISHARES BIOTECHNOLOGY ETF	OTR	464287556	502	3,066	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	46,200	617,157	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	794	10,612	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTR	46434G103	722	10,771	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	42,912	159,683	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	743	2,766	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	40,274	356,468	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	1,189	10,528	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	96,500	224,461	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	1,641	3,818	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	3,813	117,693	SH		SOLE		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	240	7,399	SH		OTR		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	342	2,930	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	99	850	SH		OTR		0	0	0
ISHARES ESG AWARE MSCI EAFE	OTR	46435G516	288	3,643	SH		SOLE		0	0	0
ISHARES ESG AWARE MSCI USA	OTR	46435G425	1,883	19,122	SH		SOLE		0	0	0
ISHARES ESG AWARE MSCI USA SM-	OTR	46435U663	333	8,257	SH		SOLE		0	0	0
ISHARES GLOBAL CLEAN ENERGY ET	OTR	464288224	257	10,939	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	443	5,617	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	169	2,147	SH		OTR		0	0	0
ISHARES MSCI EAFE MIN VOL FACT	OTR	46429B689	341	4,518	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	2,108	25,455	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	253	3,060	SH		OTR		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTR	464287499	504	6,365	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTR	464287655	282	1,231	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTR	464287648	402	1,291	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	924	11,416	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	60	740	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/VALUE E	OTR	464287705	1,381	13,109	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTR	464287879	1,152	10,927	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTR	464287887	431	3,250	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	11,021	335,191	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	10	310	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	1,224	37,960	SH		SOLE		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	62	1,907	SH		OTR		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	19,481	493,826	SH		SOLE		0	0	0
SCHWAB STRATEGIC TR	OTR	808524201	63,114	607,044	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	2,542	33,612	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,458	19,285	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTR	808524508	15,830	202,253	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	9,148	199,788	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	59	1,280	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTR	808524607	13,976	134,155	SH		SOLE		0	0	0
SPDR GOLD TRUST	OTR	78463V107	280	1,691	SH		SOLE		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTR	78467Y107	224	457	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	1,175	2,746	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	358	836	SH		OTR		0	0	0
SPDR S&P 600 SMALL CAP VALUE E	OTR	78464A300	307	3,582	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	2,338	15,832	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	109	736	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	683	10,798	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	13	200	SH		OTR		0	0	0
VANGUARD DIVIDEND APPREC ETF	OTR	921908844	263	1,697	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	2,136	41,455	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	443	8,592	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	25,236	464,665	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	698	12,854	SH		OTR		0	0	0
VANGUARD GROWTH ETF	OTR	922908736	310	1,081	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	1,361	5,734	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	764	3,217	SH		OTR		0	0	0
VANGUARD INDUSTRIALS ETF	OTR	92204A603	240	1,223	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	3,665	26,083	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	233	1,658	SH		OTR		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	2,284	22,443	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	299	2,938	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	9,132	23,206	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	777	1,974	SH		OTR		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	3,289	18,942	SH		SOLE		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	177	1,018	SH		OTR		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	968	4,296	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	358	1,587	SH		OTR		0	0	0
VANGUARD TOT WORLD STK INDEX	OTR	922042742	3,744	36,134	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	19,689	888,911	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	306	13,800	SH		OTR		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	14,081	424,369	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	333	10,034	SH		OTR		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTR	464287457	309	3,590	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE	OTR	464287226	3,331	28,878	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE	OTR	464287226	52	450	SH		OTR		0	0	0
ISHARES ESG AWARE US AGGREGATE	OTR	46435U549	413	7,474	SH		SOLE		0	0	0
ISHARES ESG AWARE 1-5 YEAR USD	OTR	46435G243	379	14,540	SH		SOLE		0	0	0
ISHARES IBOXX INV GRD CORP BON	OTR	464287242	362	2,692	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	61	690	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	202	2,300	SH		OTR		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	1,024	8,859	SH		SOLE		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	168	1,455	SH		OTR		0	0	0
ISHARES 1-5Y INV GRADE CORP ET	OTR	464288646	75,622	1,379,713	SH		SOLE		0	0	0
ISHARES 1-5Y INV GRADE CORP ET	OTR	464288646	2,671	48,735	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	68,550	525,169	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	1,653	12,667	SH		OTR		0	0	0
ISHARES 5-10Y INV GRADE CORP E	OTR	464288638	38,779	640,760	SH		SOLE		0	0	0
ISHARES 5-10Y INV GRADE CORP E	OTR	464288638	1,195	19,743	SH		OTR		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTR	464287440	4,631	40,096	SH		SOLE		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTR	464287440	50	432	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTR	72201R817	755	6,595	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTR	808524854	7,531	132,428	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	6,009	117,314	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	1,202	23,471	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTR	808524839	15,596	285,650	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTR	808524870	2,540	40,632	SH		SOLE		0	0	0
SCHWAB 5-10 YEAR CORPORATE B	OTR	808524698	522	9,925	SH		SOLE		0	0	0
SPDR BLOOMBERG BARCLAYS S/T BD	OTR	78468R408	2,447	88,716	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTR	92206C870	571	6,001	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTR	92206C706	1,847	27,237	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	255	4,784	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	26	482	SH		OTR		0	0	0
VANGUARD SHORT TERM CORP BOND	OTR	92206C409	620	7,492	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	1,381	11,785	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	157	1,340	SH		OTR		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTR	464288158	218	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	263	5,302	SH		SOLE		0	0	0