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	36	11	SH		OTR	1	11	0	0
AMAZON.COM INC	Stock	023135106	1,335	410	SH		SOLE	0	394	0	15
INVESCO QQQ	ETF	46090E103	799	2,205	SH		SOLE	0	1,853	0	351
JOHNSON & JOHNSON	Stock	478160104	15	85	SH		OTR	1	85	0	0
JOHNSON & JOHNSON	Stock	478160104	733	4,137	SH		SOLE	0	4,137	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,594	7,001	SH		SOLE	0	4,420	0	2,580
COSTCO WHOLESALE CORPORATION	Stock	22160K105	1,361	2,364	SH		SOLE	0	2,363	0	0
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	256	2,236	SH		SOLE	0	1,721	0	515
SENSEONICS HLDGS INC COM	Stock	81727U105	29	14,947	SH		SOLE	0	12,114	0	2,832
UNITED PARCEL SERVICE INC	Stock	911312106	11	49	SH		OTR	1	49	0	0
UNITED PARCEL SERVICE INC	Stock	911312106	445	2,074	SH		SOLE	0	2,074	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	6,449	59,508	SH		SOLE	0	54,804	0	4,703
INTEL CORPORATION	Stock	458140100	871	17,583	SH		SOLE	0	17,583	0	0
MEDTRONIC PLC	Stock	G5960L103	223	2,011	SH		SOLE	0	2,010	0	0
MEDTRONIC PLC	Stock	G5960L103	385	3,469	SH		OTR	1	2,105	0	1,364
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	399	5,789	SH		SOLE	0	4,300	0	1,488
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,171	40,230	SH		SOLE	0	34,848	0	5,380
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	248	2,372	SH		OTR	1	0	0	2,372
SPDR S&P 500 ETF	ETF	78462F103	754	1,670	SH		SOLE	0	1,670	0	0
MASTERCARD INC	Stock	57636Q104	1,498	4,191	SH		SOLE	0	4,170	0	20
ISHARES TIPS BOND ETF	ETF	464287176	4,037	32,411	SH		SOLE	0	31,971	0	439
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	405	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	812	69,395	SH		SOLE	0	55,168	0	14,226
VERIZON COMMUNICATIONS INC	Stock	92343V104	5	89	SH		OTR	1	89	0	0
VERIZON COMMUNICATIONS INC	Stock	92343V104	752	14,772	SH		SOLE	0	14,124	0	647
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF	ETF	37954Y673	242	8,563	SH		SOLE	0	8,563	0	0
HONEYWELL INTERNATIONAL INC	Stock	438516106	11	59	SH		OTR	1	59	0	0
HONEYWELL INTERNATIONAL INC	Stock	438516106	986	5,067	SH		SOLE	0	5,066	0	0
FORD MOTOR COMPANY	Stock	345370860	411	24,293	SH		SOLE	0	22,640	0	1,652
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	74	1,975	SH		SOLE	0	16	0	1,958
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	1,901	50,396	SH		OTR	1	0	0	50,396
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	24,305	239,812	SH		SOLE	0	231,438	0	8,373
US BANCORP	Stock	902973304	217	4,082	SH		SOLE	0	4,082	0	0
XCEL ENERGY INC	Stock	98389B100	757	10,485	SH		SOLE	0	10,484	0	0
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF	ETF	78464A359	1,213	15,765	SH		SOLE	0	14,284	0	1,480
HOME DEPOT INC	Stock	437076102	6	20	SH		OTR	1	20	0	0
HOME DEPOT INC	Stock	437076102	1,341	4,480	SH		SOLE	0	4,330	0	149
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	264	1,634	SH		OTR	1	0	0	1,634
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	369	2,289	SH		SOLE	0	2,289	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,246	47,432	SH		OTR	1	0	0	47,432
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,463	52,015	SH		SOLE	0	39,999	0	12,015
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	890	3,206	SH		SOLE	0	2,756	0	449
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	308	5,772	SH		SOLE	0	5,277	0	494
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	2,549	69,404	SH		SOLE	0	68,867	0	535
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	3,946	73,278	SH		SOLE	0	54,902	0	18,375
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	9,746	180,989	SH		OTR	1	0	0	180,989
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,441	19,261	SH		OTR	1	0	0	19,261
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	2,663	35,594	SH		SOLE	0	34,480	0	1,113
FIRST TRUST MID CAP CORE ALPHADEX FUND	ETF	33735B108	228	2,325	SH		SOLE	0	2,101	0	223
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,829	35,497	SH		SOLE	0	34,265	0	1,232
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	12,146	34,417	SH		SOLE	0	32,099	0	2,318
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	771	27,780	SH		SOLE	0	22,263	0	5,516
ADOBE INC	Stock	00724F101	2	4	SH		OTR	1	4	0	0
ADOBE INC	Stock	00724F101	469	1,030	SH		SOLE	0	1,030	0	0
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	3,780	48,409	SH		SOLE	0	46,207	0	2,201
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	839	14,624	SH		OTR	1	0	0	14,624
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	1,087	12,636	SH		SOLE	0	10,827	0	1,809
ALPHABET INC CLASS A	Stock	02079K305	33	12	SH		OTR	1	12	0	0
ALPHABET INC CLASS A	Stock	02079K305	167	60	SH		SOLE	0	60	0	0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	ETF	808524888	230	6,047	SH		SOLE	0	6,047	0	0
MICROSOFT CORPORATION	Stock	594918104	55	179	SH		OTR	1	179	0	0
MICROSOFT CORPORATION	Stock	594918104	3,294	10,686	SH		SOLE	0	10,153	0	532
LENNAR CORP CL A	Stock	526057104	398	4,899	SH		SOLE	0	4,899	0	0
BERKSHIRE HATHAWAY INC CLASS A	Stock	084670108	529	1	SH		SOLE	0	1	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,023	9,519	SH		SOLE	0	9,328	0	190
VANGUARD MID-CAP ETF	ETF	922908629	3,461	14,553	SH		SOLE	0	14,496	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	1,339	6,423	SH		SOLE	0	6,378	0	44
NEXTERA ENERGY INC	Stock	65339F101	310	3,662	SH		SOLE	0	2,670	0	992
TESLA INC	Stock	88160R101	3	3	SH		OTR	1	3	0	0
TESLA INC	Stock	88160R101	306	284	SH		SOLE	0	149	0	135
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	22	817	SH		SOLE	0	0	0	817
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	1,303	48,272	SH		OTR	1	0	0	48,272
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	227	4,585	SH		OTR	1	0	0	4,585
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	8,735	176,319	SH		SOLE	0	175,703	0	616
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	238	571	SH		SOLE	0	571	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	985	13,801	SH		OTR	1	0	0	13,801
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	2,625	36,770	SH		SOLE	0	36,399	0	370
SCHWAB U.S. TIPS ETF	ETF	808524870	857	14,109	SH		SOLE	0	13,472	0	636
PUTNAM PREMIER INCOME TRUST	CEF	746853100	248	62,275	SH		SOLE	0	49,669	0	12,605
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	4,246	67,632	SH		SOLE	0	62,969	0	4,662
VANGUARD GLOBAL EX-US REAL ESTATE ETF	ETF	922042676	2,718	52,311	SH		SOLE	0	47,120	0	5,189
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,498	9,501	SH		OTR	1	0	0	9,501
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	2,033	12,889	SH		SOLE	0	12,652	0	236
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	407	2,053	SH		SOLE	0	1,964	0	89
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	4,699	56,393	SH		SOLE	0	51,757	0	4,635
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	1,545	18,434	SH		SOLE	0	16,797	0	1,636
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	3,941	40,941	SH		SOLE	0	39,469	0	1,471
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,558	9,202	SH		SOLE	0	9,161	0	41
EDAP TMS SA	ADR	268311107	978	134,960	SH		SOLE	0	134,960	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	591	23,763	SH		SOLE	0	14,052	0	9,710
SCHWAB U.S. MID-CAP ETF	ETF	808524508	3,179	41,900	SH		SOLE	0	38,356	0	3,543
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	1,573	22,039	SH		SOLE	0	21,273	0	766
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	2,447	33,616	SH		SOLE	0	32,049	0	1,567
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	286	4,788	SH		SOLE	0	4,716	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	1,312	27,009	SH		SOLE	0	23,252	0	3,756
ISHARES RUSSELL 2000 ETF	ETF	464287655	362	1,763	SH		SOLE	0	1,763	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	2,803	26,228	SH		SOLE	0	22,147	0	4,080
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	283	4,603	SH		SOLE	0	4,520	0	82
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	943	24,831	SH		SOLE	0	19,662	0	5,168
GLADSTONE LAND CORPORATION	REIT	376549101	918	25,204	SH		SOLE	0	23,558	0	1,644
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	312	3,102	SH		SOLE	0	3,102	0	0
POLYMET MINING CORP	Stock	731916409	147	35,157	SH		SOLE	0	32,425	0	2,732
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	658	3,739	SH		OTR	1	0	0	3,739
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	2,484	14,120	SH		SOLE	0	11,375	0	2,744
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	628	12,428	SH		SOLE	0	10,939	0	1,489
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	11,221	223,254	SH		SOLE	0	215,636	0	7,618
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	531	9,632	SH		OTR	1	0	0	9,632
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	386	4,890	SH		SOLE	0	4,889	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	1,051	4,503	SH		SOLE	0	4,458	0	45
BLACKROCK ENHANCED EQUITY DIVIDEND TRUST	CEF	09251A104	307	31,019	SH		SOLE	0	31,019	0	0
VISA INC	Stock	92826C839	10	45	SH		OTR	1	45	0	0
VISA INC	Stock	92826C839	1,309	5,901	SH		SOLE	0	5,662	0	239
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	10,689	387,553	SH		SOLE	0	373,911	0	13,642
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	125	1,607	SH		OTR	1	0	0	1,607
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	779	10,045	SH		SOLE	0	9,972	0	72
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	5,966	239,126	SH		SOLE	0	227,805	0	11,321
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	68	275	SH		SOLE	0	25	0	250
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	588	2,370	SH		OTR	1	0	0	2,370
VANGUARD VALUE ETF	ETF	922908744	2,513	17,002	SH		OTR	1	0	0	17,002
VANGUARD VALUE ETF	ETF	922908744	11,732	79,386	SH		SOLE	0	70,581	0	8,805
VANGUARD GROWTH INDEX FUND	ETF	922908736	905	3,148	SH		SOLE	0	3,148	0	0
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,921	6,678	SH		OTR	1	0	0	6,678
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	2,570	103,164	SH		SOLE	0	99,691	0	3,473
DIMENSIONAL CORE FIXED INCOME ETF	ETF	25434V872	239	5,142	SH		SOLE	0	5,142	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	941	9,320	SH		SOLE	0	8,740	0	579
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,230	38,600	SH		SOLE	0	37,321	0	1,279
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	21,374	286,131	SH		SOLE	0	275,317	0	10,814
SERVICENOW INC	Stock	81762P102	3	6	SH		OTR	1	6	0	0
SERVICENOW INC	Stock	81762P102	270	484	SH		SOLE	0	484	0	0
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	1,844	33,491	SH		SOLE	0	33,491	0	0
WORKDAY INC	Stock	98138H101	3	11	SH		OTR	1	11	0	0
WORKDAY INC	Stock	98138H101	199	832	SH		SOLE	0	832	0	0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	319	6,232	SH		OTR	1	0	0	6,232
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	563	11,001	SH		SOLE	0	9,816	0	1,185
METLIFE INC	Stock	59156R108	1,156	16,449	SH		SOLE	0	16,249	0	200
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	780	11,219	SH		SOLE	0	10,018	0	1,200
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	1,425	20,502	SH		OTR	1	0	0	20,502
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	5	100	SH		OTR	1	100	0	0
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	281	5,558	SH		SOLE	0	5,108	0	450
KINDER MORGAN INC	Stock	49456B101	1,165	61,634	SH		SOLE	0	61,273	0	360
ACCENTURE PLC	Stock	G1151C101	10	30	SH		OTR	1	30	0	0
ACCENTURE PLC	Stock	G1151C101	292	865	SH		SOLE	0	864	0	0
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	348	13,845	SH		SOLE	0	13,844	0	0
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	499	8,185	SH		SOLE	0	8,022	0	162
GENUINE PARTS COMPANY	Stock	372460105	615	4,884	SH		SOLE	0	4,769	0	115
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	3,498	178,192	SH		SOLE	0	154,197	0	23,993
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	512	12,874	SH		SOLE	0	12,189	0	684
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	921	13,411	SH		SOLE	0	10,699	0	2,710
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	93	1,681	SH		SOLE	0	1,680	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	418	7,532	SH		OTR	1	0	0	7,532
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	4,976	62,563	SH		OTR	1	0	0	62,563
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	9,598	120,665	SH		SOLE	0	115,838	0	4,826
VANGUARD FTSE ALL-WORLD EX-US ETF	ETF	922042775	233	4,037	SH		SOLE	0	4,037	0	0
INVESCO FINANCIAL PREFERRED ETF	ETF	46137V621	230	13,574	SH		SOLE	0	13,574	0	0
ISHARES MSCI EM ESG SELECT ETF	ETF	46434G863	686	18,673	SH		SOLE	0	18,673	0	0
GRACO INC COM	Stock	384109104	1,718	24,636	SH		SOLE	0	24,636	0	0
QUALCOMM INC	Stock	747525103	11	71	SH		OTR	1	71	0	0
QUALCOMM INC	Stock	747525103	223	1,457	SH		SOLE	0	1,372	0	83
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	354	4,461	SH		SOLE	0	4,460	0	0
MCDONALD'S CORP	Stock	580135101	10	39	SH		OTR	1	39	0	0
MCDONALD'S CORP	Stock	580135101	449	1,814	SH		SOLE	0	1,552	0	261
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	2,400	45,759	SH		SOLE	0	41,318	0	4,440
ISHARES MSCI FRONTIER 100 ETF	ETF	464286145	1,680	51,677	SH		SOLE	0	47,416	0	4,261
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	6,237	79,926	SH		SOLE	0	74,080	0	5,846
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	1,386	21,764	SH		SOLE	0	19,007	0	2,756
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,633	58,025	SH		SOLE	0	57,407	0	618
AT&T INC	Stock	00206R102	544	23,016	SH		SOLE	0	23,010	0	5
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	2,448	55,115	SH		SOLE	0	50,710	0	4,404
VANGUARD FINANCIALS INDEX FUND	ETF	92204A405	640	6,856	SH		SOLE	0	6,856	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	3,545	46,371	SH		SOLE	0	44,637	0	1,733
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	666	12,465	SH		SOLE	0	12,464	0	0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	4,805	82,132	SH		SOLE	0	80,618	0	1,513
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	225	1,797	SH		SOLE	0	1,796	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	439	2,612	SH		SOLE	0	2,536	0	75
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,221	42,173	SH		SOLE	0	31,985	0	10,187
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	4,208	130,522	SH		SOLE	0	126,140	0	4,381
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	2,803	8,126	SH		SOLE	0	8,067	0	58
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	893	15,325	SH		SOLE	0	15,025	0	300
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	ETF	316092808	314	2,552	SH		SOLE	0	2,415	0	136
ISHARES S&P 500 VALUE ETF	ETF	464287408	15,038	96,572	SH		SOLE	0	95,594	0	977
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	2,170	21,902	SH		SOLE	0	21,339	0	562
ISHARES S&P 500 GROWTH ETF	ETF	464287309	270	3,541	SH		OTR	1	0	0	3,541
ISHARES S&P 500 GROWTH ETF	ETF	464287309	20,710	271,144	SH		SOLE	0	266,327	0	4,817
ISHARES CORE S&P 500 ETF	ETF	464287200	5,609	12,364	SH		SOLE	0	12,039	0	324
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF	ETF	46138J882	232	10,911	SH		SOLE	0	10,911	0	0
WELLS FARGO & CO	Stock	949746101	411	8,477	SH		SOLE	0	5,762	0	2,714
ECOLAB INC	Stock	278865100	518	2,935	SH		SOLE	0	2,934	0	0
SALESFORCE.COM INC	Stock	79466L302	10	47	SH		OTR	1	47	0	0
SALESFORCE.COM INC	Stock	79466L302	639	3,008	SH		SOLE	0	2,937	0	71
IDEXX LABORATORIES INC	Stock	45168D104	328	599	SH		SOLE	0	599	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	976	6,522	SH		SOLE	0	3,566	0	2,955
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	337	4,042	SH		SOLE	0	4,042	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,151	2,607	SH		SOLE	0	2,575	0	31
JPMORGAN CHASE & CO	Stock	46625H100	7	54	SH		OTR	1	54	0	0
JPMORGAN CHASE & CO	Stock	46625H100	560	4,105	SH		SOLE	0	4,105	0	0
CHEVRON CORPORATION	Stock	166764100	1,682	10,332	SH		SOLE	0	10,167	0	165
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	7	62	SH		SOLE	0	62	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,427	13,015	SH		OTR	1	0	0	13,015
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	3,619	75,345	SH		SOLE	0	67,019	0	8,326
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	8,990	187,185	SH		OTR	1	0	0	187,185
BANK OF AMERICA CORP	Stock	060505104	12	289	SH		OTR	1	289	0	0
BANK OF AMERICA CORP	Stock	060505104	457	11,095	SH		SOLE	0	11,094	0	0
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	276	25,621	SH		SOLE	0	25,621	0	0
IBM CORP	Stock	459200101	1,523	11,712	SH		SOLE	0	11,632	0	80
ORACLE CORPORATION	Stock	68389X105	396	4,789	SH		SOLE	0	4,788	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	6	62	SH		OTR	1	62	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	920	9,283	SH		SOLE	0	9,132	0	150
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,733	59,237	SH		OTR	1	0	0	59,237
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	5,376	116,542	SH		SOLE	0	105,886	0	10,655
TARGET CORPORATION	Stock	87612E106	5	23	SH		OTR	1	23	0	0
TARGET CORPORATION	Stock	87612E106	1,908	8,814	SH		SOLE	0	8,167	0	646
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,499	13,357	SH		SOLE	0	12,738	0	619
3M CO	Stock	88579Y101	1,634	10,972	SH		SOLE	0	10,854	0	117
SPDR S&P INTERNATIONAL SMALL CAP ETF	ETF	78463X871	266	7,561	SH		SOLE	0	7,561	0	0
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	5,161	49,356	SH		SOLE	0	47,580	0	1,775
CATERPILLAR INC	Stock	149123101	4	20	SH		OTR	1	20	0	0
CATERPILLAR INC	Stock	149123101	1,418	6,365	SH		SOLE	0	6,314	0	50
ALPHABET INC CLASS C	Stock	02079K107	6	2	SH		OTR	1	2	0	0
ALPHABET INC CLASS C	Stock	02079K107	712	255	SH		SOLE	0	246	0	9
BEST BUY CO INC	Stock	086516101	32	356	SH		OTR	1	0	0	356
BEST BUY CO INC	Stock	086516101	590	6,486	SH		SOLE	0	6,486	0	0
APPLIED MATERIALS INC	Stock	038222105	10	73	SH		OTR	1	73	0	0
APPLIED MATERIALS INC	Stock	038222105	525	3,983	SH		SOLE	0	3,983	0	0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	883	4,700	SH		SOLE	0	4,241	0	458
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND	ETF	97717W315	705	16,114	SH		SOLE	0	14,606	0	1,508
WILLIAMS COS INC COM	Stock	969457100	361	10,800	SH		SOLE	0	10,800	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	5,607	53,071	SH		SOLE	0	50,989	0	2,081
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	650	8,568	SH		SOLE	0	8,568	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	19,720	121,610	SH		SOLE	0	113,382	0	8,227
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	2,647	39,907	SH		SOLE	0	36,756	0	3,151
ABERDEEN ASIA PACIFIC INCOME FUND, INC	CEF	003009107	408	120,572	SH		SOLE	0	85,579	0	34,992
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	490	4,575	SH		SOLE	0	4,130	0	444
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	4,600	50,842	SH		SOLE	0	47,216	0	3,625
SPDR PORTFOLIO S&P 500 ETF	ETF	78464A854	1,025	19,293	SH		SOLE	0	17,910	0	1,383
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	3,640	54,957	SH		SOLE	0	38,982	0	15,974
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	1,094	10,683	SH		SOLE	0	10,682	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	224	2,905	SH		SOLE	0	2,904	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	1,109	22,355	SH		SOLE	0	22,355	0	0
ETFMG PRIME CYBER SECURITY ETF	ETF	26924G201	1,239	21,097	SH		SOLE	0	20,746	0	350
DELTA AIR LINES INC	Stock	247361702	204	5,147	SH		SOLE	0	4,750	0	396
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	17,781	228,257	SH		SOLE	0	217,130	0	11,126
NORTHERN OIL & GAS, INC	Stock	665531307	1,796	63,696	SH		SOLE	0	63,696	0	0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	1,139	3,941	SH		SOLE	0	3,598	0	342
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF	ETF	78468R622	914	8,922	SH		SOLE	0	7,468	0	1,453
WISDOMTREE EMERGING MARKETS EX-STATE-OWNED ENTERPRISES FUND	ETF	97717X578	343	10,491	SH		SOLE	0	9,325	0	1,166
ISHARES RUSSELL 3000 ETF	ETF	464287689	2,237	8,527	SH		SOLE	0	7,916	0	610
ISHARES GLOBAL ENERGY ETF	ETF	464287341	317	8,762	SH		SOLE	0	5,868	0	2,893
ISHARES COMMODITIES SELECT STRATEGY ETF	ETF	46431W853	5,161	128,858	SH		SOLE	0	124,454	0	4,403
REALTY INCOME CORP COM	REIT	756109104	1,073	15,480	SH		SOLE	0	15,230	0	250
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	1,146	11,718	SH		OTR	1	0	0	11,718
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,303	23,558	SH		SOLE	0	20,895	0	2,662
EXXON MOBIL CORPORATION	Stock	30231G102	6	71	SH		OTR	1	71	0	0
EXXON MOBIL CORPORATION	Stock	30231G102	1,920	23,251	SH		SOLE	0	23,106	0	144
UNITEDHEALTH GROUP INC	Stock	91324P102	17	34	SH		OTR	1	34	0	0
UNITEDHEALTH GROUP INC	Stock	91324P102	1,812	3,553	SH		SOLE	0	2,339	0	1,213
ISHARES EXPONENTIAL TECHNOLOGIES ETF	ETF	46434V381	4,389	74,338	SH		SOLE	0	70,680	0	3,657
LOWE'S COMPANIES INC	Stock	548661107	7	34	SH		OTR	1	34	0	0
LOWE'S COMPANIES INC	Stock	548661107	281	1,387	SH		SOLE	0	1,387	0	0
DEERE & COMPANY	Stock	244199105	5	12	SH		OTR	1	12	0	0
DEERE & COMPANY	Stock	244199105	1,118	2,691	SH		SOLE	0	2,633	0	57
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,380	7,106	SH		SOLE	0	6,454	0	652
VODAFONE GROUP PLC	ADR	92857W308	322	19,375	SH		SOLE	0	16,256	0	3,118
CHARLES SCHWAB CORPORATION COMMON STOCK	Stock	808513105	211	2,501	SH		SOLE	0	2,501	0	0
CBRE GROUP INC	Stock	12504L109	266	2,908	SH		SOLE	0	2,908	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	7,223	26,919	SH		SOLE	0	25,531	0	1,387
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	ETF	46090F100	1,122	63,579	SH		SOLE	0	55,070	0	8,508
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	894	17,335	SH		OTR	1	0	0	17,335
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,589	8,447	SH		SOLE	0	7,849	0	597
ISHARES MSCI EAFE ETF	ETF	464287465	2,005	27,237	SH		SOLE	0	20,181	0	7,056
APPLE INC	Stock	037833100	1,006	5,764	SH		OTR	1	87	0	5,677
APPLE INC	Stock	037833100	9,985	57,185	SH		SOLE	0	53,849	0	3,336
WALT DISNEY CO	Stock	254687106	4	27	SH		OTR	1	27	0	0
WALT DISNEY CO	Stock	254687106	254	1,854	SH		SOLE	0	1,392	0	461
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	648	6,395	SH		SOLE	0	6,395	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	1,840	11,083	SH		SOLE	0	7,769	0	3,313