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
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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
CHEVRON CORPORATION	COMMON STOCK	166764100	3,344	20,536	SH		SOLE		20,536	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	135	829	SH		OTR		829	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	2,528	45,343	SH		SOLE		45,343	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	151	2,709	SH		OTR		2,709	0	0
CLOROX COMPANY	COMMON STOCK	189054109	310	2,230	SH		SOLE		2,230	0	0
CLOROX COMPANY	COMMON STOCK	189054109	22	160	SH		OTR		160	0	0
COCA COLA CO	COMMON STOCK	191216100	683	11,010	SH		SOLE		11,010	0	0
COGNITION THERAPEUTICS INC	COMMON STOCK	19243B102	51	18,496	SH		SOLE		18,496	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	1,291	27,578	SH		SOLE		27,578	0	0
COMCAST CORP-CL A	COMMON STOCK	20030N101	108	2,307	SH		OTR		2,307	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	297	2,972	SH		SOLE		2,972	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	66	660	SH		OTR		660	0	0
CONSTELLATION BRANDS INC	COMMON STOCK	21036P108	2,233	9,695	SH		SOLE		9,695	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	693	1,204	SH		SOLE		1,204	0	0
CSX CORP	COMMON STOCK	126408103	514	13,716	SH		SOLE		13,716	0	0
CSX CORP	COMMON STOCK	126408103	40	1,080	SH		OTR		1,080	0	0
CVS HEALTH CORP	COMMON STOCK	126650100	257	2,539	SH		SOLE		2,539	0	0
DANAHER CORP	COMMON STOCK	235851102	611	2,084	SH		SOLE		2,084	0	0
DEERE & CO	COMMON STOCK	244199105	635	1,528	SH		SOLE		1,528	0	0
DEERE & CO	COMMON STOCK	244199105	249	600	SH		OTR		600	0	0
DISNEY WALT CO NEW	COMMON STOCK	254687106	2,029	14,792	SH		SOLE		14,770	0	22
DISNEY WALT CO NEW	COMMON STOCK	254687106	13	95	SH		OTR		95	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	174	1,559	SH		SOLE		1,559	0	0
DUKE ENERGY CORP	COMMON STOCK	26441C204	86	772	SH		OTR		772	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	1,422	14,504	SH		SOLE		14,504	0	0
EMERSON ELEC CO	COMMON STOCK	291011104	164	1,671	SH		OTR		1,671	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,816	21,992	SH		SOLE		21,992	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	572	6,926	SH		OTR		6,926	0	0
FASTENAL CO	COMMON STOCK	311900104	1,465	24,669	SH		SOLE		24,669	0	0
FEDEX CORPORATION	COMMON STOCK	31428X106	2,404	10,388	SH		SOLE		10,388	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604301	196	2,138	SH		SOLE		2,138	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604301	6	68	SH		OTR		68	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	1,176	9,335	SH		SOLE		9,335	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	165	1,313	SH		OTR		1,313	0	0
GLOBAL PAYMENTS INC	COMMON STOCK	37940X102	1,207	8,818	SH		SOLE		8,818	0	0
HANESBRANDS INC	COMMON STOCK	410345102	972	65,282	SH		SOLE		65,282	0	0
HANESBRANDS INC	COMMON STOCK	410345102	86	5,756	SH		OTR		5,756	0	0
HOME DEPOT INC	COMMON STOCK	437076102	904	3,019	SH		SOLE		3,019	0	0
HOME DEPOT INC	COMMON STOCK	437076102	178	593	SH		OTR		593	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	257	1,322	SH		SOLE		1,322	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	371	1,906	SH		OTR		1,906	0	0
HUNTINGTON INGALLS INDUSTRIES	COMMON STOCK	446413106	1,094	5,487	SH		SOLE		5,487	0	0
HUNTINGTON INGALLS INDUSTRIES	COMMON STOCK	446413106	86	432	SH		OTR		432	0	0
IDEXX LABS INC	COMMON STOCK	45168D104	776	1,418	SH		SOLE		1,418	0	0
II-VI INC	COMMON STOCK	902104108	1,852	25,548	SH		SOLE		25,548	0	0
ILLUMINA INC	COMMON STOCK	452327109	826	2,365	SH		SOLE		2,365	0	0
INTEL CORP	COMMON STOCK	458140100	3,153	63,628	SH		SOLE		63,628	0	0
INTEL CORP	COMMON STOCK	458140100	304	6,129	SH		OTR		6,129	0	0
INTERCONTINENTAL EXCHANGE INC	COMMON STOCK	45866F104	2,011	15,220	SH		SOLE		15,220	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	1,688	12,985	SH		SOLE		12,985	0	0
INTL. BUSINESS MACHINES CORP	COMMON STOCK	459200101	209	1,608	SH		OTR		1,608	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	4,678	26,397	SH		SOLE		26,397	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	327	1,846	SH		OTR		1,846	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	5,369	39,384	SH		SOLE		39,384	0	0
JP MORGAN CHASE & CO	COMMON STOCK	46625H100	288	2,115	SH		OTR		2,115	0	0
LILLY ELI & CO	COMMON STOCK	532457108	762	2,662	SH		SOLE		2,662	0	0
LILLY ELI & CO	COMMON STOCK	532457108	111	389	SH		OTR		389	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	1,804	4,086	SH		SOLE		4,086	0	0
LOWES COS INC	COMMON STOCK	548661107	2,399	11,863	SH		SOLE		11,863	0	0
LOWES COS INC	COMMON STOCK	548661107	20	100	SH		OTR		100	0	0
MASTEC INC	COMMON STOCK	576323109	1,606	18,434	SH		SOLE		18,434	0	0
MCDONALDS CORP	COMMON STOCK	580135101	2,203	8,907	SH		SOLE		8,907	0	0
MCDONALDS CORP	COMMON STOCK	580135101	548	2,215	SH		OTR		2,215	0	0
MDU RESOURCES GROUP INC	COMMON STOCK	552690109	2,444	91,703	SH		SOLE		91,703	0	0
MDU RESOURCES GROUP INC	COMMON STOCK	552690109	70	2,628	SH		OTR		2,628	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	448	5,455	SH		SOLE		5,455	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	41	500	SH		OTR		500	0	0
META PLATFORMS INC CL A	COMMON STOCK	30303M102	1,421	6,390	SH		SOLE		6,378	0	12
MICROSOFT CORP	COMMON STOCK	594918104	6,527	21,169	SH		SOLE		21,169	0	0
MICROSOFT CORP	COMMON STOCK	594918104	477	1,546	SH		OTR		1,546	0	0
NETAPP INC	COMMON STOCK	64110D104	1,448	17,444	SH		SOLE		17,444	0	0
NETAPP INC	COMMON STOCK	64110D104	115	1,380	SH		OTR		1,380	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	1,487	69,463	SH		SOLE		69,463	0	0
NEWELL BRANDS INC	COMMON STOCK	651229106	122	5,682	SH		OTR		5,682	0	0
NEWMONT CORP	COMMON STOCK	651639106	1,824	22,960	SH		SOLE		22,960	0	0
NEXTERA ENERGY INC	COMMON STOCK	65339F101	904	10,667	SH		SOLE		10,667	0	0
NUCOR CORP	COMMON STOCK	670346105	1,314	8,840	SH		SOLE		8,840	0	0
NUCOR CORP	COMMON STOCK	670346105	55	373	SH		OTR		373	0	0
ORACLE CORPORATION	COMMON STOCK	68389X105	207	2,503	SH		SOLE		2,503	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	892	5,714	SH		SOLE		5,714	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	70	446	SH		OTR		446	0	0
PALO ALTO NETWORKS INC	COMMON STOCK	697435105	735	1,180	SH		SOLE		1,180	0	0
PARAMOUNT GLOBAL CL B	COMMON STOCK	92556H206	966	25,557	SH		SOLE		25,557	0	0
PAYCHEX INC	COMMON STOCK	704326107	1,598	11,711	SH		SOLE		11,711	0	0
PAYCHEX INC	COMMON STOCK	704326107	124	906	SH		OTR		906	0	0
PAYPAL HOLDINGS INC	COMMON STOCK	70450Y103	1,356	11,724	SH		SOLE		11,724	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	492	24,588	SH		SOLE		24,588	0	0
PEOPLES UNITED FINANCIAL, INC	COMMON STOCK	712704105	140	7,000	SH		OTR		7,000	0	0
PEPSICO INC	COMMON STOCK	713448108	3,841	22,949	SH		SOLE		22,949	0	0
PEPSICO INC	COMMON STOCK	713448108	347	2,074	SH		OTR		2,074	0	0
PFIZER INC	COMMON STOCK	717081103	2,336	45,115	SH		SOLE		45,115	0	0
PFIZER INC	COMMON STOCK	717081103	472	9,123	SH		OTR		9,123	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	108	1,145	SH		SOLE		1,145	0	0
PHILIP MORRIS INTERNATIONAL	COMMON STOCK	718172109	496	5,275	SH		OTR		5,275	0	0
PHILLIPS 66	COMMON STOCK	718546104	1,043	12,071	SH		SOLE		12,071	0	0
PHILLIPS 66	COMMON STOCK	718546104	15	177	SH		OTR		177	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	1,209	6,557	SH		SOLE		6,557	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	106	572	SH		OTR		572	0	0
PPL CORPORATION	COMMON STOCK	69351T106	779	27,281	SH		SOLE		27,281	0	0
PPL CORPORATION	COMMON STOCK	69351T106	71	2,503	SH		OTR		2,503	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	1,018	6,664	SH		SOLE		6,664	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	49	322	SH		OTR		322	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	1,536	12,994	SH		SOLE		12,994	0	0
PRUDENTIAL FINL INC	COMMON STOCK	744320102	120	1,016	SH		OTR		1,016	0	0
PUBLIC STORAGE INC REIT	COMMON STOCK	74460D109	2,367	6,064	SH		SOLE		6,064	0	0
QUALCOMM INC	COMMON STOCK	747525103	1,375	8,998	SH		SOLE		8,998	0	0
QUALCOMM INC	COMMON STOCK	747525103	96	631	SH		OTR		631	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	2,148	21,685	SH		SOLE		21,685	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	114	1,148	SH		OTR		1,148	0	0
REGIONS FINANCIAL CORP	COMMON STOCK	7591EP100	1,301	58,430	SH		SOLE		58,430	0	0
SALESFORCE.COM INC	COMMON STOCK	79466L302	1,507	7,097	SH		SOLE		7,097	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	181	2,503	SH		SOLE		2,503	0	0
SOUTHERN COMPANY	COMMON STOCK	842587107	52	722	SH		OTR		722	0	0
SQZ BIOTECHNOLOGIES CO	COMMON STOCK	78472W104	53	11,054	SH		SOLE		11,054	0	0
STRYKER CORPORATION	COMMON STOCK	863667101	2,045	7,651	SH		SOLE		7,651	0	0
TARGET CORP	COMMON STOCK	87612E106	250	1,180	SH		SOLE		1,180	0	0
TESLA INC	COMMON STOCK	88160R101	365	339	SH		SOLE		339	0	0
TRADEWEB MARKETS INC CL A	COMMON STOCK	892672106	2,238	25,475	SH		SOLE		25,475	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	1,206	5,624	SH		SOLE		5,624	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	175	817	SH		OTR		817	0	0
UNITEDHEALTH GROUP INC	COMMON STOCK	91324P102	541	1,060	SH		SOLE		1,060	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	711	7,006	SH		SOLE		7,006	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	55	537	SH		OTR		537	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	3,696	72,557	SH		SOLE		72,557	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	598	11,748	SH		OTR		11,748	0	0
VERTEX PHARMACEUTICALS INC	COMMON STOCK	92532F100	2,171	8,318	SH		SOLE		8,318	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	3,169	85,136	SH		SOLE		85,136	0	0
VIRTU FINANCIAL INC CL A	COMMON STOCK	928254101	91	2,451	SH		OTR		2,451	0	0
VISA INC CL A	COMMON STOCK	92826C839	2,669	12,034	SH		SOLE		12,034	0	0
VISA INC CL A	COMMON STOCK	92826C839	89	400	SH		OTR		400	0	0
VMWARE INC.	COMMON STOCK	928563402	1,380	12,117	SH		SOLE		12,117	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	1,399	31,247	SH		SOLE		31,247	0	0
WALMART INC	COMMON STOCK	931142103	2,167	14,550	SH		SOLE		14,550	0	0
WALMART INC	COMMON STOCK	931142103	22	150	SH		OTR		150	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	1,309	8,258	SH		SOLE		8,258	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	93	588	SH		OTR		588	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	179	3,686	SH		SOLE		3,686	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	35	725	SH		OTR		725	0	0
WILLIAMS-SONOMA INC	COMMON STOCK	969904101	976	6,728	SH		SOLE		6,728	0	0
3M CO	COMMON STOCK	88579Y101	333	2,240	SH		SOLE		2,240	0	0
3M CO	COMMON STOCK	88579Y101	130	870	SH		OTR		870	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	1,070	33,100	SH		SOLE		33,100	0	0
ABB LTD SPONS ADR	COMMON STOCK	000375204	84	2,611	SH		OTR		2,611	0	0
BANCO SANTANDER SA SPONS ADR	COMMON STOCK	05964H105	149	43,936	SH		SOLE		43,936	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	1,256	6,182	SH		SOLE		6,182	0	0
DIAGEO PLC SPONS ADR	COMMON STOCK	25243Q205	109	537	SH		OTR		537	0	0
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	837	9,540	SH		SOLE		9,540	0	0
NOVARTIS AG SPONS ADR	COMMON STOCK	66987V109	65	743	SH		OTR		743	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	1,248	11,238	SH		SOLE		11,238	0	0
NOVO NORDISK AS SPONS ADR	COMMON STOCK	670100205	81	733	SH		OTR		733	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	324	961	SH		SOLE		961	0	0
ACCENTURE PLC CL A	COMMON STOCK	G1151C101	34	100	SH		OTR		100	0	0
AON PLC	COMMON STOCK	G0403H108	901	2,768	SH		SOLE		2,768	0	0
CYBERARK SOFTWARE LTD	COMMON STOCK	M2682V108	3,031	17,963	SH		SOLE		17,963	0	0
EATON CORP PLC	COMMON STOCK	G29183103	2,093	13,794	SH		SOLE		13,794	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	2,908	63,088	SH		SOLE		63,088	0	0
ENBRIDGE INCORPORATED	COMMON STOCK	29250N105	150	3,263	SH		OTR		3,263	0	0
ICON PLC	COMMON STOCK	G4705A100	2,047	8,416	SH		SOLE		8,416	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	577	5,614	SH		SOLE		5,614	0	0
LYONDELLBASELL INDUSTRIES NV C	COMMON STOCK	N53745100	48	462	SH		OTR		462	0	0
CONSUMER DISCRETIONARY SELT	OTHER	81369Y407	1,766	9,546	SH		SOLE		0	0	0
FINANCIAL SELECT SECTOR SPDR	OTHER	81369Y605	434	11,323	SH		SOLE		0	0	0
INVESCO QQQ TRUST SERIES 1	OTHER	46090E103	420	1,158	SH		SOLE		0	0	0
IPATH BLOOMBERG COMMODITY IN	OTHER	06738C778	302	8,181	SH		SOLE		0	0	0
ISHARES BIOTECHNOLOGY ETF	OTHER	464287556	351	2,693	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTHER	46432F842	48,438	696,855	SH		SOLE		0	0	0
ISHARES CORE MSCI EAFE ETF	OTHER	46432F842	95	1,363	SH		OTR		0	0	0
ISHARES CORE MSCI EMERGING	OTHER	46434G103	614	11,055	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	47,844	178,295	SH		SOLE		0	0	0
ISHARES CORE S&P MID-CAP ETF	OTHER	464287507	407	1,518	SH		OTR		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTHER	464287804	40,270	373,287	SH		SOLE		0	0	0
ISHARES CORE S&P SMALL-CAP ETF	OTHER	464287804	906	8,399	SH		OTR		0	0	0
ISHARES CORE S&P 500 ETF	OTHER	464287200	116,251	256,234	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	OTHER	464287200	1,093	2,409	SH		OTR		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTHER	464288448	7,524	236,890	SH		SOLE		0	0	0
ISHARES DJ INTL EPAC SELECT DI	OTHER	464288448	695	21,878	SH		OTR		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTHER	464287168	371	2,893	SH		SOLE		0	0	0
ISHARES DJ SELECT DIVIDEND ETF	OTHER	464287168	109	850	SH		OTR		0	0	0
ISHARES ESG AWARE MSCI EAFE	OTHER	46435G516	327	4,429	SH		SOLE		0	0	0
ISHARES ESG AWARE MSCI USA	OTHER	46435G425	2,234	22,047	SH		SOLE		0	0	0
ISHARES ESG AWARE MSCI USA SM-	OTHER	46435U663	355	9,336	SH		SOLE		0	0	0
ISHARES GLOBAL CLEAN ENERGY ET	OTHER	464288224	235	10,939	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	339	4,606	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	OTHER	464287465	149	2,021	SH		OTR		0	0	0
ISHARES MSCI EAFE MIN VOL FACT	OTHER	46429B689	321	4,450	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTHER	464288570	2,338	26,986	SH		SOLE		0	0	0
ISHARES MSCI KLD 400 SOCIAL ET	OTHER	464288570	265	3,060	SH		OTR		0	0	0
ISHARES RUSSELL MIDCAP ETF	OTHER	464287499	489	6,270	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 ETF	OTHER	464287655	319	1,555	SH		SOLE		0	0	0
ISHARES RUSSELL 2000 GROWTH ET	OTHER	464287648	330	1,291	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	867	11,223	SH		SOLE		0	0	0
ISHARES S&P MIDCAP 400/GRWTH E	OTHER	464287606	57	740	SH		OTR		0	0	0
ISHARES S&P MIDCAP 400/VALUE E	OTHER	464287705	1,408	12,839	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP 600/VAL E	OTHER	464287879	1,130	11,040	SH		SOLE		0	0	0
ISHARES S&P SMALLCAP/600 GROWT	OTHER	464287887	407	3,250	SH		SOLE		0	0	0
ISHARES S&P 500 VALUE ETF	OTHER	464287408	258	1,658	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTHER	808524706	10,903	392,618	SH		SOLE		0	0	0
SCHWAB EMERGING MARKETS ETF	OTHER	808524706	8	292	SH		OTR		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTHER	808524730	2,069	71,472	SH		SOLE		0	0	0
SCHWAB FUNDAMENTAL EM L/C	OTHER	808524730	154	5,335	SH		OTR		0	0	0
SCHWAB INTL EQUITY ETF	OTHER	808524805	20,054	546,123	SH		SOLE		0	0	0
SCHWAB STRATEGIC TR	OTHER	808524201	71,902	1,335,229	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTHER	808524797	2,516	31,888	SH		SOLE		0	0	0
SCHWAB US DVD EQUITY ETF	OTHER	808524797	432	5,481	SH		OTR		0	0	0
SCHWAB US MID CAP ETF	OTHER	808524508	16,611	218,974	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTHER	808524847	11,475	461,035	SH		SOLE		0	0	0
SCHWAB US REIT ETF	OTHER	808524847	128	5,148	SH		OTR		0	0	0
SCHWAB US SMALL CAP ETF	OTHER	808524607	13,737	290,052	SH		SOLE		0	0	0
SPDR S&P MIDCAP 400 ETF TRUST	OTHER	78467Y107	224	457	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	1,490	3,299	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	OTHER	78462F103	343	759	SH		OTR		0	0	0
SPDR S&P 600 SMALL CAP VALUE E	OTHER	78464A300	419	5,023	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTHER	81369Y803	1,524	9,588	SH		SOLE		0	0	0
TECHNOLOGY SELECT SECT SPDR	OTHER	81369Y803	162	1,020	SH		OTR		0	0	0
UTILITIES SELECT SECTOR SPDR	OTHER	81369Y886	682	9,160	SH		SOLE		0	0	0
UTILITIES SELECT SECTOR SPDR	OTHER	81369Y886	14	185	SH		OTR		0	0	0
VANGUARD DIVIDEND APPREC ETF	OTHER	921908844	260	1,606	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTHER	921943858	2,209	45,983	SH		SOLE		0	0	0
VANGUARD FTSE DEVELOPED MARKET	OTHER	921943858	413	8,592	SH		OTR		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	26,485	574,146	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS	OTHER	922042858	228	4,932	SH		OTR		0	0	0
VANGUARD IND FD MID-CAP	OTHER	922908629	1,486	6,247	SH		SOLE		0	0	0
VANGUARD IND FD MID-CAP	OTHER	922908629	422	1,775	SH		OTR		0	0	0
VANGUARD INDUSTRIALS ETF	OTHER	92204A603	238	1,223	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTHER	922908512	8,161	54,526	SH		SOLE		0	0	0
VANGUARD MID-CAP VALUE INDEX	OTHER	922908512	664	4,436	SH		OTR		0	0	0
VANGUARD REAL ESTATE ETF	OTHER	922908553	2,774	25,602	SH		SOLE		0	0	0
VANGUARD REAL ESTATE ETF	OTHER	922908553	248	2,284	SH		OTR		0	0	0
VANGUARD S&P 500 ETF	OTHER	922908363	9,532	22,959	SH		SOLE		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTHER	922908611	6,384	36,284	SH		SOLE		0	0	0
VANGUARD SMALL CAP VALUE ETF	OTHER	922908611	489	2,778	SH		OTR		0	0	0
VANGUARD SMALL-CAP ETF	OTHER	922908751	831	3,911	SH		SOLE		0	0	0
VANGUARD TOT WORLD STK INDEX	OTHER	922042742	3,759	37,109	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTHER	46138G508	26,568	1,220,388	SH		SOLE		0	0	0
INVESCO SENIOR LOAN ETF	OTHER	46138G508	452	20,755	SH		OTR		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTHER	46138G805	12,803	431,508	SH		SOLE		0	0	0
INVESCO TAXABLE MUNICIPAL BOND	OTHER	46138G805	306	10,309	SH		OTR		0	0	0
ISHARES BARCLAYS 1-3 YEAR TR E	OTHER	464287457	295	3,534	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE	OTHER	464287226	2,904	27,119	SH		SOLE		0	0	0
ISHARES CORE U.S. AGGREGATE	OTHER	464287226	59	555	SH		OTR		0	0	0
ISHARES ESG AWARE US AGGREGATE	OTHER	46435U549	289	5,597	SH		SOLE		0	0	0
ISHARES ESG AWARE 1-5 YEAR USD	OTHER	46435G243	534	21,687	SH		SOLE		0	0	0
ISHARES IBOXX INV GRD CORP BON	OTHER	464287242	324	2,679	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTHER	464288513	61	737	SH		SOLE		0	0	0
ISHARES IBOXX USD HIGH YIELD	OTHER	464288513	183	2,225	SH		OTR		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTHER	464288612	744	6,853	SH		SOLE		0	0	0
ISHARES INTERMEDIATE GOV/CR ET	OTHER	464288612	142	1,307	SH		OTR		0	0	0
ISHARES 1-5Y INV GRADE CORP ET	OTHER	464288646	72,229	1,396,544	SH		SOLE		0	0	0
ISHARES 1-5Y INV GRADE CORP ET	OTHER	464288646	1,522	29,433	SH		OTR		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTHER	464288661	58,570	479,882	SH		SOLE		0	0	0
ISHARES 3-7 YEAR TREASURY BOND	OTHER	464288661	796	6,523	SH		OTR		0	0	0
ISHARES 5-10Y INV GRADE CORP E	OTHER	464288638	42,995	783,572	SH		SOLE		0	0	0
ISHARES 5-10Y INV GRADE CORP E	OTHER	464288638	1,164	21,220	SH		OTR		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTHER	464287440	3,342	31,101	SH		SOLE		0	0	0
ISHARES 7-10 YEAR TREASURY B	OTHER	464287440	49	459	SH		OTR		0	0	0
PIMCO INV GRADE CORP BD ETF	OTHER	72201R817	437	4,196	SH		SOLE		0	0	0
SCHWAB INTERMEDIATE TERM-US	OTHER	808524854	5,526	103,773	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTHER	808524862	16,928	341,712	SH		SOLE		0	0	0
SCHWAB SHORT TERM US TREASURY	OTHER	808524862	615	12,418	SH		OTR		0	0	0
SCHWAB US AGGREGATE BOND ETF	OTHER	808524839	11,701	231,373	SH		SOLE		0	0	0
SCHWAB US TIPS ETF	OTHER	808524870	2,616	43,091	SH		SOLE		0	0	0
SCHWAB 5-10 YEAR CORPORATE B	OTHER	808524698	320	6,691	SH		SOLE		0	0	0
SPDR BLOOMBERG ST YIELD BOND E	OTHER	78468R408	2,562	97,647	SH		SOLE		0	0	0
VANGUARD INTER TERM CORP BOND	OTHER	92206C870	367	4,269	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTHER	92206C706	24,430	388,332	SH		SOLE		0	0	0
VANGUARD INTM-TERM GOVT BOND F	OTHER	92206C706	906	14,408	SH		OTR		0	0	0
VANGUARD SHORT TERM CORP BOND	OTHER	92206C409	466	5,962	SH		SOLE		0	0	0
VANGUARD SHORT-TERM TIPS	OTHER	922020805	283	5,534	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTHER	464288414	1,273	11,609	SH		SOLE		0	0	0
ISHARES NATIONAL MUNI BOND ETF	OTHER	464288414	147	1,340	SH		OTR		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTHER	464288158	208	1,989	SH		SOLE		0	0	0
ISHARES SHORT-TERM NATIONAL MU	OTHER	464288158	49	470	SH		OTR		0	0	0
VANGUARD TAX-EXEMPT BOND INDEX	OTHER	922907746	634	12,306	SH		SOLE		0	0	0