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	21	183	SH		OTR	1	183	0	0
AMAZON.COM INC	Stock	023135106	938	8,301	SH		SOLE	0	7,992	0	307
ISHARES MORNINGSTAR MID-CAP VALUE ETF	ETF	464288406	224	4,013	SH		SOLE	0	4,013	0	0
INVESCO QQQ	ETF	46090E103	376	1,407	SH		SOLE	0	1,406	0	0
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	1,041	41,706	SH		SOLE	0	41,706	0	0
JOHNSON & JOHNSON	Stock	478160104	12	72	SH		OTR	1	72	0	0
JOHNSON & JOHNSON	Stock	478160104	853	5,224	SH		SOLE	0	5,020	0	204
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,260	7,018	SH		SOLE	0	4,438	0	2,580
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	302	5,799	SH		SOLE	0	3,836	0	1,962
COSTCO WHOLESALE CORPORATION	Stock	22160K105	931	1,972	SH		SOLE	0	1,972	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	202	5,804	SH		SOLE	0	5,804	0	0
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	218	2,239	SH		SOLE	0	1,722	0	515
SENSEONICS HLDGS INC COM	Stock	81727U105	24	18,249	SH		SOLE	0	15,416	0	2,832
UNITED PARCEL SERVICE INC	Stock	911312106	6	36	SH		OTR	1	36	0	0
UNITED PARCEL SERVICE INC	Stock	911312106	330	2,040	SH		SOLE	0	2,040	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	4,637	57,837	SH		SOLE	0	53,085	0	4,751
ISHARES MSCI ACWI EX US ETF	ETF	464288240	392	9,803	SH		SOLE	0	9,803	0	0
INTEL CORPORATION	Stock	458140100	425	16,478	SH		SOLE	0	16,477	0	0
MEDTRONIC PLC	Stock	G5960L103	168	2,082	SH		SOLE	0	2,081	0	0
MEDTRONIC PLC	Stock	G5960L103	279	3,451	SH		OTR	1	2,053	0	1,398
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	317	5,716	SH		SOLE	0	4,222	0	1,492
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	1,977	44,151	SH		SOLE	0	38,761	0	5,390
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	205	1,996	SH		OTR	1	0	0	1,996
SPDR S&P 500 ETF	ETF	78462F103	1,954	5,471	SH		SOLE	0	5,471	0	0
MASTERCARD INC	Stock	57636Q104	1,170	4,116	SH		SOLE	0	4,116	0	0
ISHARES TIPS BOND ETF	ETF	464287176	4,198	40,024	SH		SOLE	0	39,487	0	536
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	349	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	629	68,329	SH		SOLE	0	54,968	0	13,360
POLYMET MNG CORP COM NEW	Stock	731916409	100	34,793	SH		SOLE	0	32,061	0	2,732
VERIZON COMMUNICATIONS INC	Stock	92343V104	2	59	SH		OTR	1	59	0	0
VERIZON COMMUNICATIONS INC	Stock	92343V104	644	16,960	SH		SOLE	0	16,309	0	649
HONEYWELL INTERNATIONAL INC	Stock	438516106	10	59	SH		OTR	1	59	0	0
HONEYWELL INTERNATIONAL INC	Stock	438516106	826	4,945	SH		SOLE	0	4,944	0	0
FORD MOTOR COMPANY	Stock	345370860	349	31,152	SH		SOLE	0	27,852	0	3,299
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	6	180	SH		SOLE	1	180	0	0
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	40	1,222	SH		SOLE	0	17	0	1,205
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	54	1,638	SH		OTR	0	0	0	1,638
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	1,624	49,612	SH		OTR	1	0	0	49,612
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	21,204	267,013	SH		SOLE	0	255,138	0	11,874
XCEL ENERGY INC	Stock	98389B100	672	10,503	SH		SOLE	0	10,503	0	0
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF	ETF	78464A359	1,144	18,074	SH		SOLE	0	16,557	0	1,516
HOME DEPOT INC	Stock	437076102	5	17	SH		OTR	1	17	0	0
HOME DEPOT INC	Stock	437076102	1,186	4,298	SH		SOLE	0	4,146	0	151
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	184	1,424	SH		SOLE	0	1,423	0	0
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	234	1,812	SH		OTR	1	0	0	1,812
BECTON DICKINSON AND CO	Stock	075887109	268	1,203	SH		SOLE	0	1,202	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	5	124	SH		SOLE	1	124	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	59	1,566	SH		OTR	0	0	0	1,566
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,786	47,250	SH		OTR	1	0	0	47,250
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,937	51,242	SH		SOLE	0	39,770	0	11,471
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	619	2,941	SH		SOLE	0	2,491	0	449
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	244	5,811	SH		SOLE	0	5,317	0	494
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	1,940	68,979	SH		SOLE	0	68,440	0	538
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	23	539	SH		SOLE	1	539	0	0
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	249	5,868	SH		OTR	0	0	0	5,868
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	3,124	73,758	SH		SOLE	0	55,264	0	18,493
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	7,541	178,066	SH		OTR	1	0	0	178,066
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	64	1,153	SH		OTR	0	0	0	1,153
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,303	23,353	SH		OTR	1	0	0	23,353
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	2,098	37,585	SH		SOLE	0	36,470	0	1,114
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	623	6,305	SH		SOLE	0	6,305	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	2,840	32,574	SH		SOLE	0	32,398	0	175
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	9,391	35,169	SH		SOLE	0	32,880	0	2,289
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	618	27,586	SH		SOLE	0	22,062	0	5,523
ADOBE INC	Stock	00724F101	2	6	SH		OTR	1	6	0	0
ADOBE INC	Stock	00724F101	266	966	SH		SOLE	0	966	0	0
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	4,051	54,538	SH		SOLE	0	52,418	0	2,120
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	803	16,075	SH		OTR	1	0	0	16,075
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	1,106	14,609	SH		SOLE	0	12,769	0	1,839
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	3,733	115,799	SH		SOLE	0	110,619	0	5,179
MICROSOFT CORPORATION	Stock	594918104	41	176	SH		OTR	1	176	0	0
MICROSOFT CORPORATION	Stock	594918104	2,478	10,638	SH		SOLE	0	9,870	0	768
LENNAR CORP CL A	Stock	526057104	366	4,904	SH		SOLE	0	4,904	0	0
BERKSHIRE HATHAWAY INC CLASS A	Stock	084670108	406	1	SH		SOLE	0	1	0	0
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	1,818	28,894	SH		SOLE	0	28,894	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	1,682	9,841	SH		SOLE	0	9,650	0	191
VANGUARD MID-CAP ETF	ETF	922908629	3,788	20,152	SH		SOLE	0	20,096	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	851	5,204	SH		SOLE	0	5,160	0	44
NEXTERA ENERGY INC	Stock	65339F101	291	3,709	SH		SOLE	0	717	0	2,992
TESLA INC	Stock	88160R101	1	4	SH		OTR	1	4	0	0
TESLA INC	Stock	88160R101	256	965	SH		SOLE	0	560	0	405
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	3	130	SH		SOLE	1	130	0	0
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	19	817	SH		SOLE	0	0	0	817
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	26	1,133	SH		OTR	0	0	0	1,133
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	1,090	47,807	SH		OTR	1	0	0	47,807
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	178	3,685	SH		SOLE	0	3,684	0	0
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	226	4,683	SH		OTR	1	0	0	4,683
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	67	1,147	SH		OTR	0	0	0	1,147
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	929	15,877	SH		OTR	1	0	0	15,877
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	2,217	37,888	SH		SOLE	0	37,512	0	375
SCHWAB U.S. TIPS ETF	ETF	808524870	655	12,646	SH		SOLE	0	12,645	0	0
PUTNAM PREMIER INCOME TRUST	CEF	746853100	60	16,748	SH		SOLE	0	16,748	0	0
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	3,300	66,730	SH		SOLE	0	62,113	0	4,615
VANGUARD GLOBAL EX-US REAL ESTATE ETF	ETF	922042676	2,352	61,627	SH		SOLE	0	56,044	0	5,581
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	2	19	SH		SOLE	1	19	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	37	291	SH		OTR	0	0	0	291
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,127	8,857	SH		OTR	1	0	0	8,857
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,657	13,016	SH		SOLE	0	12,779	0	236
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	302	1,873	SH		SOLE	0	1,784	0	89
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	4,213	62,753	SH		SOLE	0	57,989	0	4,764
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	1,407	20,658	SH		SOLE	0	18,920	0	1,737
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	4,720	65,043	SH		SOLE	0	62,954	0	2,088
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,315	8,548	SH		SOLE	0	8,506	0	41
EDAP TMS SA	ADR	268311107	1,113	134,960	SH		SOLE	0	134,960	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	509	27,250	SH		SOLE	0	17,435	0	9,815
SCHWAB U.S. MID-CAP ETF	ETF	808524508	2,555	42,219	SH		SOLE	0	37,773	0	4,445
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	1,513	27,901	SH		SOLE	0	27,033	0	867
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	2,373	39,761	SH		SOLE	0	38,171	0	1,590
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	234	5,108	SH		SOLE	0	5,036	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	849	18,330	SH		SOLE	0	18,330	0	0
PIMCO CORPORATE & INCOME OPPOR COM	CEF	72201B101	288	24,501	SH		SOLE	0	24,501	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,405	8,519	SH		SOLE	0	8,519	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	2,694	29,510	SH		SOLE	0	24,940	0	4,569
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	224	2,458	SH		SOLE	0	2,248	0	210
VANGUARD S&P SMALL-CAP 600 VALUE ETF	ETF	921932778	219	1,535	SH		SOLE	0	1,535	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	2,250	43,918	SH		SOLE	0	41,111	0	2,806
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	746	23,098	SH		SOLE	0	17,627	0	5,470
GLADSTONE LAND CORPORATION	REIT	376549101	362	20,017	SH		SOLE	0	19,049	0	967
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	12	81	SH		OTR	0	0	0	81
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	531	3,703	SH		OTR	1	0	0	3,703
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	2,252	15,706	SH		SOLE	0	13,441	0	2,263
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	1,315	52,272	SH		SOLE	0	52,272	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	533	11,753	SH		SOLE	0	11,376	0	377
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	10,702	277,760	SH		SOLE	0	267,877	0	9,882
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	472	9,844	SH		OTR	1	0	0	9,844
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	435	6,547	SH		SOLE	0	6,547	0	0
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	720	14,713	SH		SOLE	0	14,713	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	815	4,385	SH		SOLE	0	4,340	0	45
BLACKROCK ENHANCED EQUITY DIVIDEND TRUST	CEF	09251A104	246	30,327	SH		SOLE	0	30,327	0	0
VISA INC	Stock	92826C839	8	43	SH		OTR	1	43	0	0
VISA INC	Stock	92826C839	1,034	5,820	SH		SOLE	0	5,532	0	287
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	9,140	410,963	SH		SOLE	0	397,239	0	13,723
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	110	1,657	SH		OTR	1	0	0	1,657
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	655	9,908	SH		SOLE	0	9,848	0	60
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	5,299	280,527	SH		SOLE	0	269,528	0	10,998
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	7	36	SH		SOLE	0	36	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	12	59	SH		OTR	0	0	0	59
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	506	2,593	SH		OTR	1	0	0	2,593
VANGUARD VALUE ETF	ETF	922908744	2,018	16,344	SH		OTR	1	0	0	16,344
VANGUARD VALUE ETF	ETF	922908744	10,105	81,836	SH		SOLE	0	73,668	0	8,168
VANGUARD GROWTH INDEX FUND	ETF	922908736	675	3,153	SH		SOLE	0	2,863	0	290
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,385	6,474	SH		OTR	1	0	0	6,474
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	2,507	110,167	SH		SOLE	0	106,500	0	3,666
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	722	9,078	SH		SOLE	0	8,494	0	583
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,378	53,537	SH		SOLE	0	50,091	0	3,445
CAPITAL GROUP INTERNATIONAL FOCUS EQUITY ETF	ETF	14019W109	6,205	331,626	SH		SOLE	0	302,089	0	29,537
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	1,155	60,288	SH		SOLE	0	60,288	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	21,276	354,663	SH		SOLE	0	336,933	0	17,728
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	1,491	33,018	SH		SOLE	0	33,017	0	0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	5	97	SH		SOLE	1	97	0	0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	251	5,209	SH		OTR	1	0	0	5,209
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	590	12,267	SH		SOLE	0	11,082	0	1,185
METLIFE INC	Stock	59156R108	1,022	16,819	SH		SOLE	0	16,619	0	200
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	330	6,273	SH		SOLE	0	6,273	0	0
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	1,109	21,064	SH		OTR	1	0	0	21,064
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	3	63	SH		OTR	1	63	0	0
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	259	5,558	SH		SOLE	0	5,108	0	450
KINDER MORGAN INC	Stock	49456B101	1,223	73,514	SH		SOLE	0	72,839	0	675
ACCENTURE PLC	Stock	G1151C101	4	17	SH		OTR	1	17	0	0
ACCENTURE PLC	Stock	G1151C101	234	909	SH		SOLE	0	909	0	0
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,035	47,452	SH		SOLE	0	45,509	0	1,942
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	319	6,754	SH		SOLE	0	6,621	0	132
GENUINE PARTS COMPANY	Stock	372460105	615	4,117	SH		SOLE	0	4,002	0	115
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	3,183	208,741	SH		SOLE	0	180,345	0	28,395
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	763	25,160	SH		SOLE	0	24,124	0	1,035
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	610	11,863	SH		SOLE	0	9,048	0	2,815
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	24	553	SH		SOLE	0	552	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	302	7,033	SH		OTR	1	0	0	7,033
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	22	310	SH		SOLE	1	310	0	0
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	166	2,330	SH		OTR	0	0	0	2,330
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	4,168	58,428	SH		OTR	1	0	0	58,428
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	10,303	144,447	SH		SOLE	0	136,996	0	7,450
INVESCO FINANCIAL PREFERRED ETF	ETF	46137V621	204	13,574	SH		SOLE	0	13,574	0	0
ISHARES MSCI EM ESG SELECT ETF	ETF	46434G863	686	24,791	SH		SOLE	0	24,791	0	0
GRACO INC COM	Stock	384109104	1,477	24,636	SH		SOLE	0	24,636	0	0
MCDONALD'S CORP	Stock	580135101	7	31	SH		OTR	1	31	0	0
MCDONALD'S CORP	Stock	580135101	367	1,589	SH		SOLE	0	1,324	0	264
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	2,410	50,482	SH		SOLE	0	45,906	0	4,575
ISHARES MSCI FRONTIER 100 ETF	ETF	464286145	1,409	57,852	SH		SOLE	0	53,345	0	4,507
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	6,910	111,177	SH		SOLE	0	105,142	0	6,034
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	1,155	21,424	SH		SOLE	0	17,823	0	3,600
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,236	57,984	SH		SOLE	0	57,365	0	618
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	2,396	63,612	SH		SOLE	0	58,563	0	5,048
VANGUARD FINANCIALS INDEX FUND	ETF	92204A405	471	6,327	SH		SOLE	0	6,327	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	2,111	29,314	SH		SOLE	0	28,563	0	750
ISHARES BIOTECHNOLOGY FUND	ETF	464287556	307	2,628	SH		SOLE	0	2,628	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	536	12,599	SH		SOLE	0	11,762	0	837
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	7,225	151,280	SH		SOLE	0	146,715	0	4,564
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	236	1,797	SH		SOLE	0	1,733	0	63
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,063	45,357	SH		SOLE	0	35,068	0	10,288
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	3,933	156,372	SH		SOLE	0	134,926	0	21,445
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	1,306	5,221	SH		SOLE	0	5,127	0	93
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	602	14,575	SH		SOLE	0	14,275	0	300
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF	ETF	74348A467	222	2,776	SH		SOLE	0	2,775	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	13,632	106,066	SH		SOLE	0	105,305	0	761
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	1,766	21,630	SH		SOLE	0	21,061	0	568
ISHARES S&P 500 GROWTH ETF	ETF	464287309	205	3,541	SH		OTR	1	0	0	3,541
ISHARES S&P 500 GROWTH ETF	ETF	464287309	17,271	298,549	SH		SOLE	0	294,035	0	4,513
ISHARES CORE S&P 500 ETF	ETF	464287200	4,862	13,557	SH		SOLE	0	13,229	0	327
WELLS FARGO & CO	Stock	949746101	3	68	SH		OTR	1	68	0	0
WELLS FARGO & CO	Stock	949746101	451	11,206	SH		SOLE	0	8,457	0	2,748
ECOLAB INC	Stock	278865100	492	3,408	SH		SOLE	0	3,408	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	857	7,036	SH		SOLE	0	4,058	0	2,977
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	249	3,754	SH		SOLE	0	3,754	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,108	2,868	SH		SOLE	0	2,836	0	31
JPMORGAN CHASE & CO	Stock	46625H100	6	54	SH		OTR	1	54	0	0
JPMORGAN CHASE & CO	Stock	46625H100	561	5,370	SH		SOLE	0	5,369	0	0
CHEVRON CORPORATION	Stock	166764100	1,372	9,548	SH		SOLE	0	8,982	0	565
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	14	136	SH		SOLE	0	136	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,483	14,461	SH		OTR	1	0	0	14,461
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	18	484	SH		SOLE	1	484	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	204	5,605	SH		OTR	0	0	0	5,605
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	2,833	77,902	SH		SOLE	0	69,354	0	8,547
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	7,108	195,493	SH		OTR	1	0	0	195,493
BANK OF AMERICA CORP	Stock	060505104	9	302	SH		OTR	1	302	0	0
BANK OF AMERICA CORP	Stock	060505104	337	11,143	SH		SOLE	0	11,142	0	0
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	219	25,621	SH		SOLE	0	25,621	0	0
IBM CORP	Stock	459200101	1,502	12,643	SH		SOLE	0	12,562	0	80
ORACLE CORPORATION	Stock	68389X105	381	6,244	SH		SOLE	0	6,243	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	3	31	SH		OTR	1	31	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	809	9,880	SH		SOLE	0	9,651	0	228
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	5	127	SH		SOLE	1	127	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	69	1,880	SH		OTR	0	0	0	1,880
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,245	61,520	SH		OTR	1	0	0	61,520
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	4,942	135,422	SH		SOLE	0	125,899	0	9,523
TARGET CORPORATION	Stock	87612E106	1,305	8,616	SH		SOLE	0	8,055	0	560
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,923	20,266	SH		SOLE	0	19,646	0	619
3M CO	Stock	88579Y101	1,274	11,526	SH		SOLE	0	11,282	0	243
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	3,663	44,746	SH		SOLE	0	42,627	0	2,119
CATERPILLAR INC	Stock	149123101	2	10	SH		OTR	1	10	0	0
CATERPILLAR INC	Stock	149123101	946	5,765	SH		SOLE	0	5,714	0	50
ALPHABET INC CLASS C	Stock	02079K107	3	31	SH		OTR	1	31	0	0
ALPHABET INC CLASS C	Stock	02079K107	552	5,740	SH		SOLE	0	5,140	0	600
APPLIED MATERIALS INC	Stock	038222105	6	73	SH		OTR	1	73	0	0
APPLIED MATERIALS INC	Stock	038222105	320	3,908	SH		SOLE	0	3,908	0	0
ALLY FINL INC COM	Stock	02005N100	721	25,908	SH		SOLE	0	25,908	0	0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	501	3,973	SH		SOLE	0	3,514	0	458
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND	ETF	97717W315	555	17,061	SH		SOLE	0	15,184	0	1,876
WILLIAMS COS INC COM	Stock	969457100	393	13,720	SH		SOLE	0	13,720	0	0
MAIN STR CAP CORP COM	CEF	56035L104	1,753	52,112	SH		SOLE	0	51,952	0	160
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	9,158	114,218	SH		SOLE	0	109,854	0	4,363
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	731	11,671	SH		SOLE	0	11,670	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	16,274	120,407	SH		SOLE	0	111,970	0	8,436
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	2,437	49,961	SH		SOLE	0	46,577	0	3,383
ABERDEEN ASIA PACIFIC INCOME FUND, INC	CEF	003009107	190	75,571	SH		SOLE	0	47,971	0	27,599
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	228	2,365	SH		SOLE	0	1,915	0	449
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	3,795	51,132	SH		SOLE	0	47,472	0	3,659
SPDR PORTFOLIO S&P 500 ETF	ETF	78464A854	278	6,611	SH		SOLE	0	5,473	0	1,138
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	2,877	80,127	SH		SOLE	0	56,196	0	23,930
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	3,266	39,613	SH		SOLE	0	37,433	0	2,179
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	1,001	22,485	SH		SOLE	0	22,485	0	0
ETFMG PRIME CYBER SECURITY ETF	ETF	26924G201	743	17,134	SH		SOLE	0	16,783	0	350
CH ROBINSON WORLDWIDE INC	Stock	12541W209	1,822	18,914	SH		SOLE	0	18,914	0	0
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	15,457	206,592	SH		SOLE	0	192,821	0	13,770
NORTHERN OIL & GAS, INC	Stock	665531307	1,746	63,696	SH		SOLE	0	63,696	0	0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	892	3,938	SH		SOLE	0	3,601	0	336
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF	ETF	78468R622	231	2,632	SH		SOLE	0	1,595	0	1,037
ISHARES RUSSELL 3000 ETF	ETF	464287689	1,733	8,372	SH		SOLE	0	7,756	0	614
ISHARES COMMODITIES SELECT STRATEGY ETF	ETF	46431W853	369	10,329	SH		SOLE	0	10,329	0	0
REALTY INCOME CORP COM	REIT	756109104	945	16,234	SH		SOLE	0	15,984	0	250
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	3	36	SH		SOLE	1	36	0	0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	25	320	SH		OTR	0	0	0	320
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	1,097	13,816	SH		OTR	1	0	0	13,816
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,157	27,170	SH		SOLE	0	24,627	0	2,542
EXXON MOBIL CORPORATION	Stock	30231G102	7	82	SH		OTR	1	82	0	0
EXXON MOBIL CORPORATION	Stock	30231G102	277	3,171	SH		SOLE	0	2,179	0	991
UNITEDHEALTH GROUP INC	Stock	91324P102	16	32	SH		OTR	1	32	0	0
UNITEDHEALTH GROUP INC	Stock	91324P102	1,955	3,870	SH		SOLE	0	2,590	0	1,279
ISHARES EXPONENTIAL TECHNOLOGIES ETF	ETF	46434V381	2,912	65,334	SH		SOLE	0	62,048	0	3,286
LOWE'S COMPANIES INC	Stock	548661107	265	1,409	SH		SOLE	0	1,409	0	0
DEERE & COMPANY	Stock	244199105	3	8	SH		OTR	1	8	0	0
DEERE & COMPANY	Stock	244199105	992	2,970	SH		SOLE	0	2,912	0	57
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,197	7,057	SH		SOLE	0	6,402	0	654
VODAFONE GROUP PLC	ADR	92857W308	220	19,377	SH		SOLE	0	15,949	0	3,426
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	5,627	25,664	SH		SOLE	0	24,251	0	1,412
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	ETF	46090F100	435	26,909	SH		SOLE	0	18,490	0	8,418
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	14	289	SH		SOLE	0	289	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	783	16,274	SH		OTR	1	0	0	16,274
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,071	8,242	SH		SOLE	0	7,676	0	565
ISHARES MSCI EAFE ETF	ETF	464287465	1,232	21,987	SH		SOLE	0	21,577	0	410
APPLE INC	Stock	037833100	799	5,782	SH		OTR	1	105	0	5,677
APPLE INC	Stock	037833100	7,856	56,844	SH		SOLE	0	48,013	0	8,831
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	463	5,875	SH		SOLE	0	5,874	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	1,297	6,571	SH		SOLE	0	6,570	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	1,391	10,231	SH		SOLE	0	6,912	0	3,318