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	622	5,265	SH		SOLE		5,265	0	0
ABBOTT LABS	COMMON STOCK	002824100	108	916	SH		OTR		916	0	0
ABBVIE INC	COMMON STOCK	00287Y109	1,474	13,664	SH		SOLE		13,664	0	0
ABBVIE INC	COMMON STOCK	00287Y109	170	1,576	SH		OTR		1,576	0	0
ADOBE INC	COMMON STOCK	00724F101	2,507	4,354	SH		SOLE		4,354	0	0
ALBEMARLE CORP	COMMON STOCK	012653101	2,198	10,037	SH		SOLE		10,037	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	4,390	1,642	SH		SOLE		1,640	0	2
ALPHABET INC CL A	COMMON STOCK	02079K305	67	25	SH		OTR		25	0	0
ALPHABET INC CL C	COMMON STOCK	02079K107	2,860	1,073	SH		SOLE		1,062	0	11
ALTRIA GROUP INC	COMMON STOCK	02209S103	199	4,361	SH		SOLE		4,361	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	477	10,475	SH		OTR		10,475	0	0
AMAZON.COM INC	COMMON STOCK	023135106	3,508	1,068	SH		SOLE		1,059	0	9
AMERICAN EXPRESS CO	COMMON STOCK	025816109	323	1,927	SH		SOLE		1,927	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	101	600	SH		OTR		600	0	0
AMERICAN WATER WORKS CO INC	COMMON STOCK	030420103	2,353	13,917	SH		SOLE		13,917	0	0
AMGEN INC	COMMON STOCK	031162100	1,015	4,771	SH		SOLE		4,771	0	0
AMGEN INC	COMMON STOCK	031162100	77	360	SH		OTR		360	0	0
ANTHEM INC	COMMON STOCK	036752103	2,249	6,033	SH		SOLE		6,033	0	0
APPLE INC	COMMON STOCK	037833100	11,045	78,053	SH		SOLE		77,813	0	240
APPLE INC	COMMON STOCK	037833100	172	1,214	SH		OTR		1,214	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	2,924	22,712	SH		SOLE		22,712	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	852	14,190	SH		SOLE		14,190	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	60	994	SH		OTR		994	0	0
AT&T INC	COMMON STOCK	00206R102	1,239	45,889	SH		SOLE		45,889	0	0
AT&T INC	COMMON STOCK	00206R102	502	18,574	SH		OTR		18,574	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	867	4,336	SH		SOLE		4,336	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	282	1,409	SH		OTR		1,409	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	328	7,736	SH		SOLE		7,736	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	226	5,316	SH		OTR		5,316	0	0
BERKSHIRE HATHAWAY INC-CL B	COMMON STOCK	084670702	1,907	6,987	SH		SOLE		6,987	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	1,406	1,677	SH		SOLE		1,677	0	0
BLACKROCK INC CL A	COMMON STOCK	09247X101	108	129	SH		OTR		129	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	2,973	50,244	SH		SOLE		50,244	0	0
BRISTOL MYERS SQUIBB CO	COMMON STOCK	110122108	143	2,414	SH		OTR		2,414	0	0
BROADCOM INC	COMMON STOCK	11135F101	174	358	SH		SOLE		358	0	0
BROADCOM INC	COMMON STOCK	11135F101	29	60	SH		OTR		60	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	485	9,799	SH		SOLE		9,799	0	0
CARDINAL HEALTH INC	COMMON STOCK	14149Y108	43	871	SH		OTR		871	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	2,077	20,474	SH		SOLE		20,474	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	381	3,759	SH		OTR		3,759	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	2,039	37,467	SH		SOLE		37,276	0	191
CISCO SYSTEMS INC	COMMON STOCK	17275R102	138	2,530	SH		OTR		2,530	0	0
CLOROX COMPANY	COMMON STOCK	189054109	369	2,230	SH		SOLE		2,230	0	0
CLOROX COMPANY	COMMON STOCK	189054109	26	160	SH		OTR		160	0	0
COCA COLA CO	COMMON STOCK	191216100	611	11,644	SH		SOLE		11,644	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	1,096	19,604	SH		SOLE		19,604	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	71	1,276	SH		OTR		1,276	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	196	2,893	SH		SOLE		2,893	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	74	1,098	SH		OTR		1,098	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	1,930	9,161	SH		SOLE		9,161	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	521	1,160	SH		SOLE		1,160	0	0
CSX CORP	COMMON STOCK	126408103	408	13,716	SH		SOLE		13,716	0	0
CSX CORP	COMMON STOCK	126408103	32	1,080	SH		OTR		1,080	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	258	3,040	SH		SOLE		3,040	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	8	100	SH		OTR		100	0	0
DANAHER CORP	COMMON STOCK	235851102	627	2,060	SH		SOLE		2,060	0	0
DEERE & CO	COMMON STOCK	244199105	529	1,578	SH		SOLE		1,578	0	0
DEERE & CO	COMMON STOCK	244199105	201	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,299	13,590	SH		SOLE		13,568	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	16	95	SH		OTR		95	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	154	1,575	SH		SOLE		1,575	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	85	872	SH		OTR		872	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	1,085	11,515	SH		SOLE		11,515	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	140	1,486	SH		OTR		1,486	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,290	21,935	SH		SOLE		21,935	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	514	8,734	SH		OTR		8,734	0	0
FACEBOOK INC-A	COMMON STOCK	30303M102	2,078	6,122	SH		SOLE		6,110	0	12
FASTENAL CO	COMMON STOCK	311900104	1,297	25,138	SH		SOLE		25,138	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	1,990	9,075	SH		SOLE		9,075	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604301	303	2,941	SH		SOLE		2,941	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604301	24	230	SH		OTR		230	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	894	7,373	SH		SOLE		7,373	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	155	1,277	SH		OTR		1,277	0	0
HANESBRANDS INC	COMMON STOCK	410345102	780	45,470	SH		SOLE		45,470	0	0
HANESBRANDS INC	COMMON STOCK	410345102	56	3,240	SH		OTR		3,240	0	0
HOME DEPOT INC	COMMON STOCK	437076102	976	2,974	SH		SOLE		2,974	0	0
HOME DEPOT INC	COMMON STOCK	437076102	195	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	242	1,139	SH		SOLE		1,139	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	552	2,600	SH		OTR		2,600	0	0
HUNTINGTON INGALLS INDUSTRIES	COMMON STOCK	446413106	691	3,579	SH		SOLE		3,579	0	0
HUNTINGTON INGALLS INDUSTRIES	COMMON STOCK	446413106	58	301	SH		OTR		301	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	922	1,483	SH		SOLE		1,483	0	0
II-VI INC	COMMON STOCK	902104108	1,345	22,655	SH		SOLE		22,655	0	0
ILLUMINA INC	COMMON STOCK	452327109	889	2,191	SH		SOLE		2,191	0	0
INTEL CORP	COMMON STOCK	458140100	2,609	48,968	SH		SOLE		48,810	0	158
INTEL CORP	COMMON STOCK	458140100	231	4,336	SH		OTR		4,336	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	1,716	14,949	SH		SOLE		14,949	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	1,253	9,022	SH		SOLE		9,022	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	123	887	SH		OTR		887	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,948	24,446	SH		SOLE		24,369	0	77
JOHNSON & JOHNSON	COMMON STOCK	478160104	290	1,796	SH		OTR		1,796	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	5,844	35,703	SH		SOLE		35,671	0	32
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	283	1,728	SH		OTR		1,728	0	0
LILLY ELI & CO	COMMON STOCK	532457108	625	2,703	SH		SOLE		2,703	0	0
LILLY ELI & CO	COMMON STOCK	532457108	90	389	SH		OTR		389	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,376	3,986	SH		SOLE		3,986	0	0
LOWES COS INC	COMMON STOCK	548661107	2,454	12,099	SH		SOLE		12,099	0	0
LOWES COS INC	COMMON STOCK	548661107	20	100	SH		OTR		100	0	0
MASTEC INC	COMMON STOCK	576323109	1,464	16,963	SH		SOLE		16,963	0	0
MCDONALDS CORP	COMMON STOCK	580135101	1,865	7,734	SH		SOLE		7,734	0	0
MCDONALDS CORP	COMMON STOCK	580135101	549	2,275	SH		OTR		2,275	0	0
MDU RESOURCES GROUP INC	COMMON STOCK	552690109	2,255	76,017	SH		SOLE		76,017	0	0
MDU RESOURCES GROUP INC	COMMON STOCK	552690109	71	2,396	SH		OTR		2,396	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	406	5,411	SH		SOLE		5,411	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	58	775	SH		OTR		775	0	0
MICROSOFT CORP	COMMON STOCK	594918104	6,042	21,433	SH		SOLE		21,314	0	119
MICROSOFT CORP	COMMON STOCK	594918104	435	1,542	SH		OTR		1,542	0	0
NETAPP INC	COMMON STOCK	64110D104	1,224	13,636	SH		SOLE		13,636	0	0
NETAPP INC	COMMON STOCK	64110D104	91	1,018	SH		OTR		1,018	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	1,075	48,567	SH		SOLE		48,567	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	73	3,299	SH		OTR		3,299	0	0
NEWMONT CORP	COMMON STOCK	651639106	1,263	23,265	SH		SOLE		23,265	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	841	10,712	SH		SOLE		10,712	0	0
NUCOR CORP	COMMON STOCK	670346105	728	7,389	SH		SOLE		7,389	0	0
NUCOR CORP	COMMON STOCK	670346105	48	485	SH		OTR		485	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	235	2,693	SH		SOLE		2,693	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	549	3,996	SH		SOLE		3,996	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	42	307	SH		OTR		307	0	0
PALO ALTO NETWORKS	COMMON STOCK	697435105	637	1,330	SH		SOLE		1,330	0	0
PAYCHEX INC	COMMON STOCK	704326107	1,001	8,905	SH		SOLE		8,905	0	0
PAYCHEX INC	COMMON STOCK	704326107	89	788	SH		OTR		788	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	2,489	9,564	SH		SOLE		9,564	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	427	24,468	SH		SOLE		24,468	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	131	7,500	SH		OTR		7,500	0	0
PEPSICO INC	COMMON STOCK	713448108	3,202	21,291	SH		SOLE		21,244	0	47
PEPSICO INC	COMMON STOCK	713448108	325	2,158	SH		OTR		2,158	0	0
PFIZER INC	COMMON STOCK	717081103	1,680	39,050	SH		SOLE		38,714	0	336
PFIZER INC	COMMON STOCK	717081103	379	8,802	SH		OTR		8,802	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	175	1,846	SH		SOLE		1,846	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	604	6,375	SH		OTR		6,375	0	0
PHILLIPS 66	COMMON STOCK	718546104	862	12,307	SH		SOLE		12,307	0	0
PHILLIPS 66	COMMON STOCK	718546104	23	327	SH		OTR		327	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	914	4,670	SH		SOLE		4,670	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	79	402	SH		OTR		402	0	0
PPL CORPORATION	COMMON STOCK	69351T106	553	19,828	SH		SOLE		19,828	0	0
PPL CORPORATION	COMMON STOCK	69351T106	48	1,705	SH		OTR		1,705	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	920	6,579	SH		SOLE		6,579	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	50	360	SH		OTR		360	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	1,076	10,226	SH		SOLE		10,226	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	80	764	SH		OTR		764	0	0
PUBLIC STORAGE INC REIT	COMMON STOCK	74460D109	1,770	5,956	SH		SOLE		5,956	0	0
QUALCOMM INC	COMMON STOCK	747525103	1,047	8,114	SH		SOLE		8,114	0	0
QUALCOMM INC	COMMON STOCK	747525103	80	622	SH		OTR		622	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	1,936	22,520	SH		SOLE		22,520	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	107	1,248	SH		OTR		1,248	0	0
REGIONS FINANCIAL CORP	COMMON STOCK	7591EP100	1,022	47,956	SH		SOLE		47,956	0	0
SALESFORCE.COM INC	COMMON STOCK	79466L302	1,785	6,581	SH		SOLE		6,581	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	185	2,978	SH		SOLE		2,978	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	45	722	SH		OTR		722	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	1,930	7,317	SH		SOLE		7,317	0	0
TARGET CORP	COMMON STOCK	87612E106	269	1,175	SH		SOLE		1,175	0	0
TESLA INC	COMMON STOCK	88160R101	252	325	SH		SOLE		325	0	0
TRADEWEB MARKETS INC CL A	COMMON STOCK	892672106	2,055	25,436	SH		SOLE		25,436	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	794	4,361	SH		SOLE		4,361	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	130	713	SH		OTR		713	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	429	1,097	SH		SOLE		1,097	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	400	5,665	SH		SOLE		5,665	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	28	394	SH		OTR		394	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	3,698	68,469	SH		SOLE		68,469	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	608	11,250	SH		OTR		11,250	0	0
VERTEX PHARMACEUTICALS INC	COMMON STOCK	92532F100	1,451	7,999	SH		SOLE		7,999	0	0
VIACOMCBS INC CL B	COMMON STOCK	92556H206	805	20,381	SH		SOLE		20,381	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	1,841	75,376	SH		SOLE		75,376	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	55	2,234	SH		OTR		2,234	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,567	11,523	SH		SOLE		11,396	0	127
VISA INC CL A	COMMON STOCK	92826C839	89	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,613	10,844	SH		SOLE		10,844	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,459	31,016	SH		SOLE		31,016	0	0
WALMART INC	COMMON STOCK	931142103	2,022	14,504	SH		SOLE		14,441	0	63
WALMART INC	COMMON STOCK	931142103	21	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	951	6,370	SH		SOLE		6,370	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	66	440	SH		OTR		440	0	0
WILLIAMS-SONOMA INC	COMMON STOCK	969904101	891	5,027	SH		SOLE		5,027	0	0
3M CO	COMMON STOCK	88579Y101	493	2,812	SH		SOLE		2,812	0	0
3M CO	COMMON STOCK	88579Y101	161	920	SH		OTR		920	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	825	24,730	SH		SOLE		24,730	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	63	1,879	SH		OTR		1,879	0	0
BANCO SANTANDER SA SPONS ADR	COMMON STOCK	05964H105	159	43,936	SH		SOLE		43,936	0	0
BP PLC SPONS ADR	COMMON STOCK	055622104	379	13,856	SH		SOLE		13,856	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	975	5,053	SH		SOLE		5,053	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	86	448	SH		OTR		448	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	931	9,692	SH		SOLE		9,692	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	70	730	SH		OTR		730	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	307	961	SH		SOLE		961	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	32	100	SH		OTR		100	0	0
AON PLC	COMMON STOCK	G0403H108	834	2,918	SH		SOLE		2,918	0	0
CYBERARK SOFTWARE LTD	COMMON STOCK	M2682V108	2,833	17,953	SH		SOLE		17,953	0	0
EATON CORP PLC	COMMON STOCK	G29183103	2,000	13,398	SH		SOLE		13,398	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	2,401	60,328	SH		SOLE		60,328	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	136	3,417	SH		OTR		3,417	0	0
ICON PLC	COMMON STOCK	G4705A100	2,164	8,258	SH		SOLE		8,258	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	380	4,051	SH		SOLE		4,051	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	29	310	SH		OTR		310	0	0
CONSUMER DISCRETIONARY SELT	OTR	81369Y407	2,618	14,591	SH		SOLE		0	0	0
FINANCIAL SELECT SECTOR SPDR	OTR	81369Y605	575	15,328	SH		SOLE		0	0	0
INVESCO QQQ TRUST SERIES 1	OTR	46090E103	271	758	SH		SOLE		0	0	0
IPATH BLOOMBERG COMMODITY IN	OTR	06738C778	216	7,381	SH		SOLE		0	0	0
IPATH BLOOMBERG COMMODITY IN	OTR	06738C778	63	2,155	SH		OTR		0	0	0
ISHARES BIOTECHNOLOGY ETF	OTR	464287556	490	3,028	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	48,529	653,594	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTR	46432F842	616	8,301	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTR	46434G103	662	10,721	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	44,202	168,022	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTR	464287507	650	2,471	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	39,191	358,921	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTR	464287804	1,081	9,900	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	100,682	233,699	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTR	464287200	1,494	3,468	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	5,489	180,441	SH		SOLE		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTR	464288448	522	17,154	SH		OTR		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	336	2,930	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTR	464287168	98	850	SH		OTR		0	0	0
ISHARES ESG AWARE MSCI EAFE	OTR	46435G516	292	3,729	SH		SOLE		0	0	0
ISHARES ESG AWARE MSCI USA	OTR	46435G425	1,912	19,414	SH		SOLE		0	0	0
ISHARES ESG AWARE MSCI USA SM-	OTR	46435U663	327	8,379	SH		SOLE		0	0	0
ISHARES GLOBAL CLEAN ENERGY ET	OTR	464288224	237	10,939	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	338	4,339	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTR	464287465	166	2,127	SH		OTR		0	0	0
ISHARES MSCI EAFE MIN VOL FACT	OTR	46429B689	335	4,450	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	2,147	25,804	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTR	464288570	255	3,060	SH		OTR		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTR	464287499	490	6,270	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTR	464287655	265	1,212	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTR	464287648	379	1,291	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	902	11,385	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTR	464287606	59	740	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/VALUE E	OTR	464287705	1,323	12,839	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTR	464287879	1,096	10,891	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTR	464287887	423	3,250	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	11,222	368,181	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTR	808524706	9	310	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	1,821	56,514	SH		SOLE		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTR	808524730	148	4,580	SH		OTR		0	0	0
SCHWAB INTL EQUITY ETF	OTR	808524805	20,061	518,362	SH		SOLE		0	0	0
SCHWAB STRATEGIC TR	OTR	808524201	66,996	644,011	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	2,503	33,711	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTR	808524797	1,142	15,376	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTR	808524508	16,272	212,259	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	9,940	217,595	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTR	808524847	117	2,565	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTR	808524607	13,657	136,430	SH		SOLE		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTR	78467Y107	220	457	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	1,155	2,691	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTR	78462F103	359	836	SH		OTR		0	0	0
SPDR S&P 600 SMALL CAP VALUE E	OTR	78464A300	366	4,461	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	1,238	8,288	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTR	81369Y803	155	1,040	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	637	9,964	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTR	81369Y886	13	200	SH		OTR		0	0	0
VANGUARD DIVIDEND APPREC ETF	OTR	921908844	247	1,606	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	2,196	43,496	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTR	921943858	434	8,592	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	26,172	523,333	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTR	922042858	530	10,602	SH		OTR		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	1,502	6,343	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTR	922908629	665	2,808	SH		OTR		0	0	0
VANGUARD INDUSTRIALS ETF	OTR	92204A603	230	1,223	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	5,714	40,925	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTR	922908512	557	3,987	SH		OTR		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	2,438	23,954	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTR	922908553	301	2,953	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	9,152	23,206	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	OTR	922908363	607	1,539	SH		OTR		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	4,726	27,923	SH		SOLE		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTR	922908611	414	2,445	SH		OTR		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	935	4,276	SH		SOLE		0	0	0
VANGUARD SMALL-CAP ETF	OTR	922908751	256	1,171	SH		OTR		0	0	0
VANGUARD TOT WORLD STK INDEX	OTR	922042742	3,680	36,134	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	24,109	1,090,418	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTR	46138G508	388	17,561	SH		OTR		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	13,668	415,311	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTR	46138G805	418	12,700	SH		OTR		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTR	464287457	305	3,546	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE	OTR	464287226	3,182	27,711	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE	OTR	464287226	64	555	SH		OTR		0	0	0
ISHARES ESG AWARE US AGGREGATE	OTR	46435U549	427	7,738	SH		SOLE		0	0	0
ISHARES ESG AWARE 1-5 YEAR USD	OTR	46435G243	465	17,895	SH		SOLE		0	0	0
ISHARES IBOXX INV GRD CORP BON	OTR	464287242	358	2,688	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	60	690	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTR	464288513	201	2,300	SH		OTR		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	1,047	9,097	SH		SOLE		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTR	464288612	168	1,457	SH		OTR		0	0	0
ISHARES 1-5Y INV GRADE CORP ET	OTR	464288646	88,741	1,624,102	SH		SOLE		0	0	0
ISHARES 1-5Y INV GRADE CORP ET	OTR	464288646	2,774	50,771	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	82,560	634,250	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTR	464288661	1,774	13,631	SH		OTR		0	0	0
ISHARES 5-10Y INV GRADE CORP E	OTR	464288638	45,899	764,213	SH		SOLE		0	0	0
ISHARES 5-10Y INV GRADE CORP E	OTR	464288638	1,251	20,824	SH		OTR		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTR	464287440	4,706	40,841	SH		SOLE		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTR	464287440	53	460	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTR	72201R817	622	5,477	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTR	808524854	7,154	126,151	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	3,351	65,456	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTR	808524862	1,203	23,491	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTR	808524839	14,987	276,204	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTR	808524870	2,543	40,632	SH		SOLE		0	0	0
SCHWAB 5-10 YEAR CORPORATE B	OTR	808524698	506	9,700	SH		SOLE		0	0	0
SPDR BLOOMBERG BARCLAYS S/T BD	OTR	78468R408	2,430	88,716	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTR	92206C870	548	5,808	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTR	92206C706	1,840	27,240	SH		SOLE		0	0	0
VANGUARD MORTGAGE-BACKED SEC	OTR	92206C771	210	3,938	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	491	5,962	SH		SOLE		0	0	0
VANGUARD SHORT-TERM TIPS	OTR	922020805	286	5,434	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	1,369	11,785	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTR	464288414	156	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