Cahill Financial Advisors 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
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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
AMAZON.COM INC	Stock	023135106	37	11	SH		OTR	1	0	0	11
AMAZON.COM INC	Stock	023135106	1,275	382	SH		SOLE	0	382	0	0
INVESCO QQQ	ETF	46090E103	661	1,662	SH		SOLE	0	1,461	0	200
JOHNSON & JOHNSON	Stock	478160104	75	441	SH		OTR	1	0	0	441
JOHNSON & JOHNSON	Stock	478160104	642	3,756	SH		SOLE	0	3,755	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,689	6,994	SH		SOLE	0	4,414	0	2,580
COSTCO WHOLESALE CORPORATION	Stock	22160K105	14	25	SH		OTR	1	0	0	25
COSTCO WHOLESALE CORPORATION	Stock	22160K105	1,339	2,359	SH		SOLE	0	2,359	0	0
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	288	2,321	SH		SOLE	0	1,806	0	515
SENSEONICS HLDGS INC COM	Stock	81727U105	34	12,681	SH		SOLE	0	9,849	0	2,832
VANGUARD REAL ESTATE ETF	ETF	922908553	6,898	59,456	SH		SOLE	0	54,583	0	4,873
INTEL CORPORATION	Stock	458140100	727	14,116	SH		SOLE	0	14,115	0	0
MEDTRONIC PLC	Stock	G5960L103	184	1,777	SH		SOLE	0	1,776	0	0
MEDTRONIC PLC	Stock	G5960L103	359	3,473	SH		OTR	1	0	0	3,473
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	422	5,789	SH		SOLE	0	4,300	0	1,488
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,290	40,114	SH		SOLE	0	34,732	0	5,380
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	224	2,086	SH		OTR	1	0	0	2,086
SPDR S&P 500 ETF	ETF	78462F103	792	1,668	SH		SOLE	0	1,667	0	0
MASTERCARD INC	Stock	57636Q104	33	93	SH		OTR	1	0	0	93
MASTERCARD INC	Stock	57636Q104	1,509	4,200	SH		SOLE	0	4,179	0	20
ISHARES TIPS BOND ETF	ETF	464287176	2,195	16,991	SH		SOLE	0	16,385	0	605
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	418	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	898	68,544	SH		SOLE	0	53,751	0	14,793
ISHARES FALLEN ANGELS USD BOND ETF	ETF	46435G474	343	11,453	SH		SOLE	0	10,113	0	1,339
VERIZON COMMUNICATIONS INC	Stock	92343V104	5	89	SH		OTR	1	0	0	89
VERIZON COMMUNICATIONS INC	Stock	92343V104	718	13,825	SH		SOLE	0	12,780	0	1,044
ISHARES COHEN & STEERS REIT ETF	ETF	464287564	206	2,713	SH		SOLE	0	2,713	0	0
HONEYWELL INTERNATIONAL INC	Stock	438516106	12	59	SH		OTR	1	0	0	59
HONEYWELL INTERNATIONAL INC	Stock	438516106	1,029	4,933	SH		SOLE	0	4,932	0	0
FORD MOTOR COMPANY	Stock	345370860	501	24,100	SH		SOLE	0	22,145	0	1,955
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	50	1,256	SH		SOLE	0	503	0	753
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	2,059	51,686	SH		OTR	1	0	0	51,686
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	12,563	116,428	SH		SOLE	0	110,542	0	5,886
US BANCORP	Stock	902973304	16	292	SH		OTR	1	0	0	292
US BANCORP	Stock	902973304	228	4,055	SH		SOLE	0	4,054	0	0
XCEL ENERGY INC	Stock	98389B100	734	10,842	SH		SOLE	0	10,478	0	363
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF	ETF	78464A359	1,197	14,434	SH		SOLE	0	12,953	0	1,480
HOME DEPOT INC	Stock	437076102	17	40	SH		OTR	1	0	0	40
HOME DEPOT INC	Stock	437076102	2,025	4,879	SH		SOLE	0	4,611	0	267
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	271	1,635	SH		OTR	1	0	0	1,635
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	394	2,374	SH		SOLE	0	2,373	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,446	23,889	SH		OTR	1	0	0	23,889
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,756	26,915	SH		SOLE	0	21,491	0	5,423
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	1,050	3,435	SH		SOLE	0	2,986	0	449
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	326	2,880	SH		SOLE	0	2,633	0	247
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	2,755	70,872	SH		SOLE	0	70,336	0	535
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,050	35,582	SH		SOLE	0	29,416	0	6,165
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	10,866	95,463	SH		OTR	1	0	0	95,463
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,527	9,328	SH		OTR	1	0	0	9,328
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	3,716	22,692	SH		SOLE	0	22,231	0	461
FIRST TRUST MID CAP CORE ALPHADEX FUND	ETF	33735B108	246	2,393	SH		SOLE	0	2,169	0	223
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,933	34,350	SH		SOLE	0	33,065	0	1,283
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	32	108	SH		OTR	1	0	0	108
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	10,153	33,955	SH		SOLE	0	31,637	0	2,318
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	823	27,799	SH		SOLE	0	22,283	0	5,515
ADOBE INC	Stock	00724F101	3	6	SH		OTR	1	0	0	6
ADOBE INC	Stock	00724F101	555	978	SH		SOLE	0	978	0	0
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	3,984	49,024	SH		SOLE	0	46,822	0	2,201
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	965	15,457	SH		OTR	1	0	0	15,457
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	1,112	11,990	SH		SOLE	0	10,182	0	1,807
ALPHABET INC CLASS A	Stock	02079K305	119	41	SH		OTR	1	0	0	41
ALPHABET INC CLASS A	Stock	02079K305	174	60	SH		SOLE	0	60	0	0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	ETF	808524888	248	6,059	SH		SOLE	0	6,059	0	0
MICROSOFT CORPORATION	Stock	594918104	140	415	SH		OTR	1	0	0	415
MICROSOFT CORPORATION	Stock	594918104	3,528	10,491	SH		SOLE	0	9,959	0	531
LENNAR CORP CL A	Stock	526057104	569	4,899	SH		SOLE	0	4,899	0	0
BERKSHIRE HATHAWAY INC CLASS A	Stock	084670108	451	1	SH		SOLE	0	1	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,075	9,180	SH		SOLE	0	9,036	0	143
VANGUARD MID-CAP ETF	ETF	922908629	3,950	15,506	SH		SOLE	0	15,449	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	1,419	6,420	SH		SOLE	0	6,375	0	44
NEXTERA ENERGY INC	Stock	65339F101	342	3,659	SH		SOLE	0	2,666	0	992
TESLA INC	Stock	88160R101	1	1	SH		OTR	1	0	0	1
TESLA INC	Stock	88160R101	294	278	SH		SOLE	0	143	0	135
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	9	325	SH		SOLE	0	325	0	0
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	1,321	46,177	SH		OTR	1	0	0	46,177
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	228	4,478	SH		OTR	1	0	0	4,478
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	7,847	154,322	SH		SOLE	0	153,706	0	615
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	1,023	13,966	SH		OTR	1	0	0	13,966
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	3,802	51,927	SH		SOLE	0	51,247	0	680
SCHWAB U.S. TIPS ETF	ETF	808524870	698	11,105	SH		SOLE	0	10,468	0	636
PUTNAM PREMIER INCOME TRUST	CEF	746853100	273	63,921	SH		SOLE	0	51,315	0	12,605
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	3,716	68,858	SH		SOLE	0	64,195	0	4,662
VANGUARD GLOBAL EX-US REAL ESTATE ETF	ETF	922042676	2,769	51,318	SH		SOLE	0	46,127	0	5,189
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,623	9,971	SH		OTR	1	0	0	9,971
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	2,090	12,843	SH		SOLE	0	12,842	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	454	2,159	SH		SOLE	0	2,070	0	89
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	4,801	56,668	SH		SOLE	0	52,032	0	4,635
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	1,672	18,019	SH		SOLE	0	16,382	0	1,636
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	5,705	51,729	SH		SOLE	0	49,302	0	2,426
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,633	9,616	SH		SOLE	0	9,574	0	41
EDAP TMS SA	ADR	268311107	808	134,960	SH		SOLE	0	134,960	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	653	12,394	SH		SOLE	0	7,165	0	5,228
SCHWAB U.S. MID-CAP ETF	ETF	808524508	3,405	42,332	SH		SOLE	0	38,490	0	3,841
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	1,679	21,378	SH		SOLE	0	20,612	0	766
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	2,054	27,857	SH		SOLE	0	26,290	0	1,567
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	296	4,659	SH		SOLE	0	4,588	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	1,419	28,068	SH		SOLE	0	24,311	0	3,756
ISHARES RUSSELL 2000 ETF	ETF	464287655	392	1,762	SH		SOLE	0	1,762	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	2,364	23,410	SH		SOLE	0	19,952	0	3,456
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	61	896	SH		OTR	1	0	0	896
INVESCO S&P 500 LOW VOLATILITY ETF	ETF	46138E354	155	2,252	SH		SOLE	0	2,252	0	0
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	717	23,516	SH		SOLE	0	18,476	0	5,039
GLADSTONE LAND CORPORATION	REIT	376549101	933	27,630	SH		SOLE	0	25,892	0	1,737
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	370	3,213	SH		SOLE	0	3,212	0	0
POLYMET MINING CORP	Stock	731916409	88	35,157	SH		SOLE	0	32,321	0	2,836
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	663	3,706	SH		OTR	1	0	0	3,706
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	2,262	12,648	SH		SOLE	0	9,910	0	2,737
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	670	12,428	SH		SOLE	0	10,939	0	1,489
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	5,905	117,182	SH		SOLE	0	112,548	0	4,633
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	465	7,747	SH		OTR	1	0	0	7,747
TRACTOR SUPPLY COMPANY	Stock	892356106	1,065	4,463	SH		SOLE	0	4,417	0	45
BLACKROCK ENHANCED EQUITY DIVIDEND TRUST	CEF	09251A104	323	32,019	SH		SOLE	0	32,019	0	0
VISA INC	Stock	92826C839	10	45	SH		OTR	1	0	0	45
VISA INC	Stock	92826C839	1,524	7,033	SH		SOLE	0	6,793	0	238
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	10,362	357,682	SH		SOLE	0	344,062	0	13,618
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	138	1,708	SH		OTR	1	0	0	1,708
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	914	11,301	SH		SOLE	0	11,228	0	72
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	5,799	222,114	SH		SOLE	0	211,140	0	10,973
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	78	275	SH		SOLE	0	25	0	250
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	628	2,230	SH		OTR	1	0	0	2,230
VANGUARD VALUE ETF	ETF	922908744	2,475	16,822	SH		OTR	1	0	0	16,822
VANGUARD VALUE ETF	ETF	922908744	11,381	77,364	SH		SOLE	0	68,580	0	8,783
VANGUARD GROWTH INDEX FUND	ETF	922908736	706	2,201	SH		SOLE	0	2,200	0	0
VANGUARD GROWTH INDEX FUND	ETF	922908736	2,071	6,453	SH		OTR	1	0	0	6,453
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	363	13,618	SH		SOLE	0	12,608	0	1,010
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,153	10,782	SH		SOLE	0	10,204	0	577
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,063	32,358	SH		SOLE	0	31,334	0	1,023
VANECK VECTORS FALLEN ANGEL HIGH YIELD BOND ETF	ETF	92189F437	395	11,981	SH		SOLE	0	11,980	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	18,984	249,432	SH		SOLE	0	239,952	0	9,479
SERVICENOW INC	Stock	81762P102	1	2	SH		OTR	1	0	0	2
SERVICENOW INC	Stock	81762P102	314	484	SH		SOLE	0	484	0	0
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	1,872	34,936	SH		SOLE	0	34,935	0	0
WORKDAY INC	Stock	98138H101	3	11	SH		OTR	1	0	0	11
WORKDAY INC	Stock	98138H101	215	787	SH		SOLE	0	787	0	0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	316	6,155	SH		OTR	1	0	0	6,155
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	654	12,725	SH		SOLE	0	11,540	0	1,185
METLIFE INC	Stock	59156R108	953	15,243	SH		SOLE	0	15,043	0	200
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	874	11,705	SH		SOLE	0	10,505	0	1,200
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	1,463	19,596	SH		OTR	1	0	0	19,596
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	5	103	SH		OTR	1	0	0	103
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	275	5,558	SH		SOLE	0	5,108	0	450
KINDER MORGAN INC	Stock	49456B101	776	48,929	SH		SOLE	0	48,568	0	360
ACCENTURE PLC	Stock	G1151C101	28	68	SH		OTR	1	0	0	68
ACCENTURE PLC	Stock	G1151C101	357	862	SH		SOLE	0	862	0	0
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	841	12,778	SH		SOLE	0	12,616	0	162
NVIDIA CORPORATION	Stock	67066G104	210	713	SH		SOLE	0	349	0	362
GENUINE PARTS COMPANY	Stock	372460105	633	4,512	SH		SOLE	0	4,397	0	115
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	3,014	163,297	SH		SOLE	0	143,554	0	19,742
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	781	10,604	SH		SOLE	0	7,904	0	2,699
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	161	2,695	SH		SOLE	0	2,695	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	373	6,239	SH		OTR	1	0	0	6,239
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	5,426	64,026	SH		OTR	1	0	0	64,026
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	10,407	122,795	SH		SOLE	0	119,838	0	2,955
VANGUARD FTSE ALL-WORLD EX-US ETF	ETF	922042775	242	3,945	SH		SOLE	0	3,945	0	0
INVESCO FINANCIAL PREFERRED ETF	ETF	46137V621	278	14,762	SH		SOLE	0	14,762	0	0
ISHARES MSCI EM ESG SELECT ETF	ETF	46434G863	748	18,817	SH		SOLE	0	18,817	0	0
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	7	25	SH		SOLE	0	25	0	0
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	203	694	SH		OTR	1	0	0	694
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	2,091	26,123	SH		SOLE	0	25,107	0	1,015
MCDONALD'S CORP	Stock	580135101	11	42	SH		OTR	1	0	0	42
MCDONALD'S CORP	Stock	580135101	544	2,031	SH		SOLE	0	1,770	0	260
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	2,471	44,793	SH		SOLE	0	40,352	0	4,440
ISHARES MSCI FRONTIER 100 ETF	ETF	464286145	1,802	52,216	SH		SOLE	0	47,955	0	4,261
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	6,678	80,442	SH		SOLE	0	74,596	0	5,846
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	1,588	24,114	SH		SOLE	0	21,367	0	2,746
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,799	64,521	SH		SOLE	0	63,903	0	618
AT&T INC	Stock	00206R102	771	31,347	SH		SOLE	0	30,784	0	562
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	2,314	52,174	SH		SOLE	0	48,697	0	3,476
VANGUARD FINANCIALS INDEX FUND	ETF	92204A405	973	10,074	SH		SOLE	0	10,074	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	653	11,735	SH		SOLE	0	11,735	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	4,559	77,792	SH		SOLE	0	76,507	0	1,284
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	277	1,998	SH		SOLE	0	1,998	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	603	3,316	SH		SOLE	0	3,240	0	75
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,186	38,256	SH		SOLE	0	28,074	0	10,181
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	4,206	129,364	SH		SOLE	0	124,987	0	4,376
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	3,683	9,261	SH		SOLE	0	9,202	0	58
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	1,006	14,349	SH		SOLE	0	14,148	0	200
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	ETF	316092808	448	3,311	SH		SOLE	0	3,174	0	136
ISHARES S&P 500 VALUE ETF	ETF	464287408	15,876	101,357	SH		SOLE	0	100,380	0	977
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	2,232	22,073	SH		SOLE	0	21,512	0	560
ISHARES S&P 500 GROWTH ETF	ETF	464287309	296	3,541	SH		OTR	1	0	0	3,541
ISHARES S&P 500 GROWTH ETF	ETF	464287309	23,314	278,639	SH		SOLE	0	273,636	0	5,003
ISHARES CORE S&P 500 ETF	ETF	464287200	5,814	12,189	SH		SOLE	0	11,865	0	323
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF	ETF	46138J882	255	11,923	SH		SOLE	0	11,923	0	0
WELLS FARGO & CO	Stock	949746101	426	8,869	SH		SOLE	0	6,167	0	2,701
ECOLAB INC	Stock	278865100	13	57	SH		OTR	1	0	0	57
ECOLAB INC	Stock	278865100	752	3,206	SH		SOLE	0	3,206	0	0
SALESFORCE.COM INC	Stock	79466L302	12	46	SH		OTR	1	0	0	46
SALESFORCE.COM INC	Stock	79466L302	747	2,939	SH		SOLE	0	2,868	0	71
IDEXX LABORATORIES INC	Stock	45168D104	394	599	SH		SOLE	0	599	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	677	4,503	SH		SOLE	0	1,557	0	2,945
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	736	8,522	SH		SOLE	0	8,521	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	800	2,251	SH		SOLE	0	2,220	0	30
JPMORGAN CHASE & CO	Stock	46625H100	29	181	SH		OTR	1	0	0	181
JPMORGAN CHASE & CO	Stock	46625H100	640	4,039	SH		SOLE	0	4,039	0	0
CHEVRON CORPORATION	Stock	166764100	10	83	SH		OTR	1	0	0	83
CHEVRON CORPORATION	Stock	166764100	1,352	11,517	SH		SOLE	0	11,314	0	203
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,988	17,096	SH		OTR	1	0	0	17,096
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	3,216	62,981	SH		SOLE	0	58,402	0	4,578
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	9,743	190,814	SH		OTR	1	0	0	190,814
BANK OF AMERICA CORP	Stock	060505104	13	289	SH		OTR	1	0	0	289
BANK OF AMERICA CORP	Stock	060505104	533	11,984	SH		SOLE	0	11,984	0	0
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	316	25,621	SH		SOLE	0	25,621	0	0
IBM CORP	Stock	459200101	1,509	11,287	SH		SOLE	0	11,206	0	80
ORACLE CORPORATION	Stock	68389X105	38	437	SH		OTR	1	0	0	437
ORACLE CORPORATION	Stock	68389X105	401	4,602	SH		SOLE	0	4,602	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	5	62	SH		OTR	1	0	0	62
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	624	7,254	SH		SOLE	0	7,104	0	150
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,980	60,257	SH		OTR	1	0	0	60,257
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	5,625	113,731	SH		SOLE	0	104,343	0	9,386
TARGET CORPORATION	Stock	87612E106	5	23	SH		OTR	1	0	0	23
TARGET CORPORATION	Stock	87612E106	2,204	9,346	SH		SOLE	0	8,276	0	1,069
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,382	12,325	SH		SOLE	0	11,706	0	619
3M CO	Stock	88579Y101	1,900	10,698	SH		SOLE	0	10,580	0	117
SPDR S&P INTERNATIONAL SMALL CAP ETF	ETF	78463X871	286	7,561	SH		SOLE	0	7,561	0	0
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	4,177	38,152	SH		SOLE	0	36,665	0	1,486
CATERPILLAR INC	Stock	149123101	4	20	SH		OTR	1	0	0	20
CATERPILLAR INC	Stock	149123101	1,289	6,236	SH		SOLE	0	6,186	0	50
ALPHABET INC CLASS C	Stock	02079K107	6	2	SH		OTR	1	0	0	2
ALPHABET INC CLASS C	Stock	02079K107	813	281	SH		SOLE	0	272	0	9
BEST BUY CO INC	Stock	086516101	36	357	SH		OTR	1	0	0	357
BEST BUY CO INC	Stock	086516101	620	6,107	SH		SOLE	0	6,106	0	0
AMERICAN EXPRESS COMPANY	Stock	025816109	9	56	SH		OTR	1	0	0	56
AMERICAN EXPRESS COMPANY	Stock	025816109	314	1,920	SH		SOLE	0	1,796	0	123
APPLIED MATERIALS INC	Stock	038222105	12	76	SH		OTR	1	0	0	76
APPLIED MATERIALS INC	Stock	038222105	621	3,947	SH		SOLE	0	3,947	0	0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	1,167	5,161	SH		SOLE	0	4,564	0	597
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND	ETF	97717W315	683	15,764	SH		SOLE	0	14,258	0	1,505
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	4,257	36,814	SH		SOLE	0	35,145	0	1,668
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	634	8,311	SH		SOLE	0	8,311	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	24,806	144,431	SH		SOLE	0	135,373	0	9,057
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	2,942	40,252	SH		SOLE	0	37,101	0	3,151
ABERDEEN ASIA PACIFIC INCOME FUND, INC	CEF	003009107	458	119,853	SH		SOLE	0	84,985	0	34,867
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	355	3,111	SH		SOLE	0	2,667	0	443
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	4,928	51,066	SH		SOLE	0	47,447	0	3,618
SPDR PORTFOLIO S&P 500 ETF	ETF	78464A854	1,494	26,761	SH		SOLE	0	25,378	0	1,383
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	3,309	54,409	SH		SOLE	0	38,309	0	16,099
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	1,116	10,681	SH		SOLE	0	10,681	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	247	2,899	SH		SOLE	0	2,899	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	1,183	22,355	SH		SOLE	0	22,355	0	0
ETFMG PRIME CYBER SECURITY ETF	ETF	26924G201	1,275	20,750	SH		SOLE	0	20,399	0	350
DELTA AIR LINES INC	Stock	247361702	211	5,400	SH		SOLE	0	4,947	0	452
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	18,842	233,107	SH		SOLE	0	220,151	0	12,955
NORTHERN OIL & GAS, INC	Stock	665531307	1,064	51,696	SH		SOLE	0	51,696	0	0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	1,306	4,032	SH		SOLE	0	3,690	0	341
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF	ETF	78468R622	1,152	10,613	SH		SOLE	0	9,160	0	1,453
WISDOMTREE EMERGING MARKETS EX-STATE-OWNED ENTERPRISES FUND	ETF	97717X578	639	17,347	SH		SOLE	0	16,181	0	1,166
ISHARES RUSSELL 3000 ETF	ETF	464287689	2,828	10,190	SH		SOLE	0	9,582	0	608
ISHARES GLOBAL ENERGY ETF	ETF	464287341	241	8,762	SH		SOLE	0	5,868	0	2,893
ISHARES COMMODITIES SELECT STRATEGY ETF	ETF	46431W853	1,742	56,415	SH		SOLE	0	53,944	0	2,470
REALTY INCOME CORP COM	REIT	756109104	1,142	15,956	SH		SOLE	0	15,706	0	250
FIDELITY MSCI REAL ESTATE INDEX ETF	ETF	316092857	462	13,310	SH		SOLE	0	13,310	0	0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	1,368	12,541	SH		OTR	1	0	0	12,541
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,418	22,176	SH		SOLE	0	19,726	0	2,448
EXXON MOBIL CORPORATION	Stock	30231G102	3	43	SH		OTR	1	0	0	43
EXXON MOBIL CORPORATION	Stock	30231G102	1,390	22,713	SH		SOLE	0	22,570	0	143
UNITEDHEALTH GROUP INC	Stock	91324P102	89	177	SH		OTR	1	0	0	177
UNITEDHEALTH GROUP INC	Stock	91324P102	1,581	3,148	SH		SOLE	0	1,934	0	1,214
ISHARES EXPONENTIAL TECHNOLOGIES ETF	ETF	46434V381	1,675	25,348	SH		SOLE	0	23,894	0	1,453
LOWE'S COMPANIES INC	Stock	548661107	39	152	SH		OTR	1	0	0	152
LOWE'S COMPANIES INC	Stock	548661107	322	1,247	SH		SOLE	0	1,247	0	0
DEERE & COMPANY	Stock	244199105	875	2,552	SH		SOLE	0	2,495	0	57
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,416	7,092	SH		SOLE	0	6,441	0	649
VODAFONE GROUP PLC	ADR	92857W308	288	19,264	SH		SOLE	0	16,177	0	3,086
PAYPAL HOLDINGS INC	Stock	70450Y103	3	17	SH		OTR	1	0	0	17
PAYPAL HOLDINGS INC	Stock	70450Y103	356	1,890	SH		SOLE	0	1,827	0	63
CHARLES SCHWAB CORPORATION COMMON STOCK	Stock	808513105	210	2,495	SH		SOLE	0	2,495	0	0
CBRE GROUP INC	Stock	12504L109	397	3,661	SH		SOLE	0	3,661	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	6,930	24,480	SH		SOLE	0	23,209	0	1,270
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	ETF	46090F100	904	64,303	SH		SOLE	0	55,794	0	8,508
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	374	6,814	SH		OTR	1	0	0	6,814
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,746	8,567	SH		SOLE	0	7,968	0	598
ISHARES MSCI EAFE ETF	ETF	464287465	2,132	27,100	SH		SOLE	0	20,058	0	7,041
APPLE INC	Stock	037833100	1,019	5,736	SH		OTR	1	0	0	5,736
APPLE INC	Stock	037833100	10,877	61,253	SH		SOLE	0	57,918	0	3,334
ABBOTT LABORATORIES	Stock	002824100	9	64	SH		OTR	1	0	0	64
ABBOTT LABORATORIES	Stock	002824100	208	1,476	SH		SOLE	0	1,460	0	15
WALT DISNEY CO	Stock	254687106	4	27	SH		OTR	1	0	0	27
WALT DISNEY CO	Stock	254687106	284	1,836	SH		SOLE	0	1,374	0	461
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	578	5,378	SH		SOLE	0	5,378	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	2,314	13,777	SH		SOLE	0	10,467	0	3,308