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
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
AMAZON.COM INC	Stock	023135106	8,988	107	SH		OTR	1	0	0	107
AMAZON.COM INC	Stock	023135106	768,729	9,152	SH		SOLE	0	8,843	0	307
ISHARES MORNINGSTAR MID-CAP VALUE ETF	ETF	464288406	252,641	4,072	SH		SOLE	0	4,071	0	0
INVESCO QQQ	ETF	46090E103	365,703	1,373	SH		SOLE	0	1,373	0	0
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	1,275,369	50,751	SH		SOLE	0	50,750	0	0
JOHNSON & JOHNSON	Stock	478160104	12,719	72	SH		OTR	1	0	0	72
JOHNSON & JOHNSON	Stock	478160104	605,623	3,428	SH		SOLE	0	3,224	0	204
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,343,860	7,029	SH		SOLE	0	4,448	0	2,580
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF	ETF	921946810	382,529	5,494	SH		SOLE	0	5,493	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	347,993	5,842	SH		SOLE	0	3,879	0	1,962
COSTCO WHOLESALE CORPORATION	Stock	22160K105	807,317	1,768	SH		SOLE	0	1,768	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	219,927	5,803	SH		SOLE	0	5,802	0	0
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	243,667	2,241	SH		SOLE	0	1,724	0	516
SENSEONICS HLDGS INC COM	Stock	81727U105	18,796	18,249	SH		SOLE	0	15,416	0	2,832
VANGUARD REAL ESTATE ETF	ETF	922908553	4,561,438	55,304	SH		SOLE	0	50,599	0	4,704
ISHARES MSCI ACWI EX US ETF	ETF	464288240	483,509	10,627	SH		SOLE	0	10,626	0	0
INTEL CORPORATION	Stock	458140100	284,048	10,747	SH		SOLE	0	10,747	0	0
MEDTRONIC PLC	Stock	G5960L103	160,181	2,061	SH		OTR	1	0	0	2,061
MEDTRONIC PLC	Stock	G5960L103	254,250	3,271	SH		SOLE	0	3,271	0	0
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	289,673	4,848	SH		SOLE	0	3,353	0	1,494
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,084,551	44,202	SH		SOLE	0	38,806	0	5,395
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	220,740	2,117	SH		OTR	1	0	0	2,117
SPDR S&P 500 ETF	ETF	78462F103	2,398,281	6,271	SH		SOLE	0	6,271	0	0
MASTERCARD INC	Stock	57636Q104	5,911	17	SH		OTR	1	0	0	17
MASTERCARD INC	Stock	57636Q104	1,390,915	4,000	SH		SOLE	0	3,999	0	0
ISHARES TIPS BOND ETF	ETF	464287176	966,962	9,085	SH		SOLE	0	9,084	0	0
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	392,655	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	755,687	80,478	SH		SOLE	0	67,049	0	13,428
POLYMET MNG CORP COM NEW	Stock	731916409	92,201	34,793	SH		SOLE	0	32,061	0	2,732
PEPSICO INC	Stock	713448108	3,433	19	SH		OTR	1	0	0	19
PEPSICO INC	Stock	713448108	275,913	1,527	SH		SOLE	0	1,527	0	0
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF	ETF	37954Y673	224,794	8,486	SH		SOLE	0	8,486	0	0
HONEYWELL INTERNATIONAL INC	Stock	438516106	12,644	59	SH		OTR	1	0	0	59
HONEYWELL INTERNATIONAL INC	Stock	438516106	1,559,984	7,279	SH		SOLE	0	7,279	0	0
FORD MOTOR COMPANY	Stock	345370860	363,369	31,244	SH		SOLE	0	27,934	0	3,309
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	585	17	SH		SOLE	0	17	0	0
X-TRACKERS USD HIGH YIELD CORPORATE BOND ETF	ETF	233051432	1,667,600	49,469	SH		OTR	1	0	0	49,469
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	17,031,517	200,962	SH		SOLE	0	188,712	0	12,249
XCEL ENERGY INC	Stock	98389B100	725,386	10,346	SH		SOLE	0	10,346	0	0
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF	ETF	78464A359	1,187,814	18,462	SH		SOLE	0	16,827	0	1,634
HOME DEPOT INC	Stock	437076102	5,370	17	SH		OTR	1	0	0	17
HOME DEPOT INC	Stock	437076102	1,561,611	4,944	SH		SOLE	0	4,791	0	152
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	531,646	24,100	SH		OTR	1	0	0	24,100
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	195,256	1,408	SH		SOLE	0	1,408	0	0
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	231,302	1,668	SH		OTR	1	0	0	1,668
BECTON DICKINSON AND CO	Stock	075887109	305,143	1,200	SH		SOLE	0	1,199	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,329,904	32,829	SH		SOLE	0	22,659	0	10,169
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,908,345	47,108	SH		OTR	1	0	0	47,108
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	637,697	2,977	SH		SOLE	0	2,527	0	449
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	202,910	4,528	SH		SOLE	0	4,324	0	204
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	2,342,618	72,730	SH		SOLE	0	70,394	0	2,335
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	3,190,694	70,669	SH		SOLE	0	54,191	0	16,477
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	8,352,299	184,990	SH		OTR	1	0	0	184,990
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,211,208	21,800	SH		OTR	1	0	0	21,800
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	2,097,620	37,754	SH		SOLE	0	37,050	0	704
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	944,574	9,575	SH		SOLE	0	9,575	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,190,847	33,716	SH		SOLE	0	33,315	0	400
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	11,275,468	36,502	SH		SOLE	0	34,051	0	2,451
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	684,985	28,939	SH		SOLE	0	21,728	0	7,210
ADOBE INC	Stock	00724F101	3,365	10	SH		OTR	1	0	0	10
ADOBE INC	Stock	00724F101	310,954	924	SH		SOLE	0	924	0	0
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	4,051,578	53,885	SH		SOLE	0	53,056	0	828
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	494,885	9,790	SH		OTR	1	0	0	9,790
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	1,050,829	13,557	SH		SOLE	0	12,918	0	638
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	2,979,581	82,173	SH		SOLE	0	77,105	0	5,067
MICROSOFT CORPORATION	Stock	594918104	39,091	163	SH		OTR	1	0	0	163
MICROSOFT CORPORATION	Stock	594918104	2,422,621	10,102	SH		SOLE	0	9,332	0	769
BERKSHIRE HATHAWAY INC CLASS A	Stock	084670108	468,711	1	SH		SOLE	0	1	0	0
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	2,403,231	36,490	SH		SOLE	0	36,489	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	1,552,551	8,459	SH		SOLE	0	8,314	0	144
VANGUARD MID-CAP ETF	ETF	922908629	3,667,444	17,994	SH		SOLE	0	17,938	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	904,358	5,191	SH		SOLE	0	5,147	0	44
NEXTERA ENERGY INC	Stock	65339F101	307,838	3,682	SH		SOLE	0	690	0	2,992
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	1,025,050	42,305	SH		OTR	1	0	0	42,305
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	181,580	3,764	SH		SOLE	0	3,764	0	0
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	211,002	4,374	SH		OTR	1	0	0	4,374
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	1,109,400	16,804	SH		OTR	1	0	0	16,804
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	1,991,433	30,164	SH		SOLE	0	30,164	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	427,533	8,255	SH		SOLE	0	8,255	0	0
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	3,643,983	63,907	SH		SOLE	0	60,127	0	3,779
VANGUARD GLOBAL EX-US REAL ESTATE ETF	ETF	922042676	2,623,104	63,452	SH		SOLE	0	57,561	0	5,890
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	864,874	6,123	SH		OTR	1	0	0	6,123
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,810,915	12,821	SH		SOLE	0	12,820	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	324,628	1,873	SH		SOLE	0	1,784	0	89
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	4,658,756	62,770	SH		SOLE	0	58,026	0	4,743
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	1,489,315	20,616	SH		SOLE	0	18,882	0	1,733
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	6,077,690	72,561	SH		SOLE	0	68,266	0	4,294
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,397,397	8,195	SH		SOLE	0	8,153	0	41
EDAP TMS SA	ADR	268311107	1,438,674	134,960	SH		SOLE	0	134,960	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	550,545	28,540	SH		SOLE	0	18,664	0	9,876
SCHWAB U.S. MID-CAP ETF	ETF	808524508	1,972,345	30,062	SH		SOLE	0	26,122	0	3,939
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	1,587,386	28,799	SH		SOLE	0	27,852	0	946
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	2,650,528	39,810	SH		SOLE	0	38,779	0	1,030
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	273,116	5,281	SH		SOLE	0	5,209	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	674,442	14,383	SH		SOLE	0	14,383	0	0
SPDR BLOOMBERG BARCLAYS EMERGING MARKETS LOCAL BOND ETF	ETF	78464A391	398	19	SH		SOLE	0	19	0	0
SPDR BLOOMBERG BARCLAYS EMERGING MARKETS LOCAL BOND ETF	ETF	78464A391	231,341	11,252	SH		OTR	1	0	0	11,252
PIMCO CORPORATE & INCOME OPPOR COM	CEF	72201B101	1,862,955	155,117	SH		SOLE	0	149,209	0	5,907
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,552,185	8,902	SH		SOLE	0	8,902	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	3,429,167	32,897	SH		SOLE	0	27,748	0	5,148
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	430,236	3,846	SH		SOLE	0	3,636	0	210
VANGUARD S&P SMALL-CAP 600 VALUE ETF	ETF	921932778	244,123	1,554	SH		SOLE	0	1,554	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	2,141,450	39,300	SH		SOLE	0	36,141	0	3,158
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	723,238	20,914	SH		SOLE	0	15,978	0	4,935
GLADSTONE LAND CORPORATION	REIT	376549101	368,406	20,077	SH		SOLE	0	19,106	0	970
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	208,886	2,499	SH		SOLE	0	2,498	0	0
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	592,006	3,728	SH		OTR	1	0	0	3,728
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	1,660,399	10,456	SH		SOLE	0	8,178	0	2,277
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	1,412,389	52,272	SH		SOLE	0	52,272	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,171,525	25,663	SH		SOLE	0	25,507	0	156
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	10,411,027	226,919	SH		SOLE	0	216,124	0	10,793
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	791,747	16,168	SH		OTR	1	0	0	16,168
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	1,524,881	20,186	SH		SOLE	0	19,539	0	647
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	1,358,966	27,734	SH		SOLE	0	27,734	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	986,620	4,386	SH		SOLE	0	4,340	0	45
BLACKROCK ENHANCED EQUITY DIVIDEND TRUST	CEF	09251A104	194,562	21,594	SH		SOLE	0	21,594	0	0
VISA INC	Stock	92826C839	13,712	66	SH		OTR	1	0	0	66
VISA INC	Stock	92826C839	1,102,553	5,307	SH		SOLE	0	5,018	0	288
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	11,140,297	458,826	SH		SOLE	0	430,508	0	28,317
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	109,664	1,521	SH		OTR	1	0	0	1,521
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	715,142	9,919	SH		SOLE	0	9,858	0	60
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	7,952,708	368,181	SH		SOLE	0	354,837	0	13,343
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	4,842	24	SH		SOLE	0	24	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	488,515	2,436	SH		OTR	1	0	0	2,436
VANGUARD VALUE ETF	ETF	922908744	2,145,977	15,288	SH		OTR	1	0	0	15,288
VANGUARD VALUE ETF	ETF	922908744	11,966,262	85,248	SH		SOLE	0	76,498	0	8,749
VANGUARD GROWTH INDEX FUND	ETF	922908736	759,013	3,562	SH		SOLE	0	3,271	0	290
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,504,557	7,060	SH		OTR	1	0	0	7,060
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	7,290,679	320,893	SH		SOLE	0	304,354	0	16,538
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	771,295	9,095	SH		SOLE	0	8,508	0	586
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,128,738	39,688	SH		SOLE	0	36,255	0	3,433
CAPITAL GROUP INTERNATIONAL FOCUS EQUITY ETF	ETF	14019W109	7,532,699	361,627	SH		SOLE	0	330,923	0	30,703
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	1,493,271	66,813	SH		SOLE	0	66,813	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	27,070,258	417,043	SH		SOLE	0	393,157	0	23,885
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	1,741,731	33,859	SH		SOLE	0	33,859	0	0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	314,218	6,727	SH		OTR	1	0	0	6,727
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	678,486	14,525	SH		SOLE	0	12,196	0	2,329
METLIFE INC	Stock	59156R108	1,163,733	16,080	SH		SOLE	0	15,880	0	200
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	380,948	6,180	SH		SOLE	0	6,180	0	0
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	1,033,888	16,773	SH		OTR	1	0	0	16,773
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	3,352	54	SH		OTR	1	0	0	54
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	345,041	5,558	SH		SOLE	0	5,108	0	450
KINDER MORGAN INC	Stock	49456B101	1,409,680	77,969	SH		SOLE	0	77,169	0	800
ACCENTURE PLC	Stock	G1151C101	4,536	17	SH		OTR	1	0	0	17
ACCENTURE PLC	Stock	G1151C101	257,285	964	SH		SOLE	0	964	0	0
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,256,597	56,249	SH		SOLE	0	50,282	0	5,966
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	355,019	6,753	SH		SOLE	0	6,621	0	132
GENUINE PARTS COMPANY	Stock	372460105	723,225	4,168	SH		SOLE	0	4,053	0	115
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	3,244,133	194,027	SH		SOLE	0	163,109	0	30,917
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	1,702,345	47,459	SH		SOLE	0	44,597	0	2,861
WISDOMTREE INTERNATIONAL MIDCAP DIVIDEND FUND	ETF	97717W778	221,342	3,990	SH		SOLE	0	3,628	0	361
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	436,138	7,525	SH		SOLE	0	4,685	0	2,839
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	23,692	507	SH		SOLE	0	507	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	383,127	8,204	SH		OTR	1	0	0	8,204
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	3,881,587	54,031	SH		OTR	1	0	0	54,031
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	12,887,309	179,389	SH		SOLE	0	170,112	0	9,276
VANGUARD FTSE ALL-WORLD EX-US ETF	ETF	922042775	230,915	4,605	SH		SOLE	0	4,605	0	0
ISHARES MSCI EM ESG SELECT ETF	ETF	46434G863	294,265	9,786	SH		SOLE	0	9,786	0	0
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	263,645	1,229	SH		OTR	1	0	0	1,229
GRACO INC COM	Stock	384109104	1,657,017	24,636	SH		SOLE	0	24,636	0	0
MCDONALD'S CORP	Stock	580135101	8,169	31	SH		OTR	1	0	0	31
MCDONALD'S CORP	Stock	580135101	417,813	1,585	SH		SOLE	0	1,319	0	266
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	2,375,047	50,075	SH		SOLE	0	46,063	0	4,011
ISHARES MSCI FRONTIER 100 ETF	ETF	464286145	1,536,906	60,342	SH		SOLE	0	55,524	0	4,817
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	7,675,223	113,791	SH		SOLE	0	108,148	0	5,643
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	1,285,824	21,303	SH		SOLE	0	17,680	0	3,622
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,551,380	60,934	SH		SOLE	0	60,316	0	618
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	1,902,526	46,245	SH		SOLE	0	41,053	0	5,191
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	422,211	4,827	SH		SOLE	0	4,726	0	100
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	1,186,366	19,455	SH		OTR	1	0	0	19,455
ISHARES BIOTECHNOLOGY FUND	ETF	464287556	518,629	3,950	SH		SOLE	0	3,950	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	572,321	12,250	SH		SOLE	0	11,408	0	841
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	14,283,270	267,277	SH		SOLE	0	261,260	0	6,015
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	243,104	1,666	SH		SOLE	0	1,602	0	63
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,098,069	44,313	SH		SOLE	0	33,563	0	10,749
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	5,306,354	182,537	SH		SOLE	0	160,683	0	21,853
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	741,098	2,897	SH		SOLE	0	2,847	0	49
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	541,313	11,684	SH		SOLE	0	11,683	0	0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF	ETF	74348A467	249,793	2,776	SH		SOLE	0	2,775	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	15,085,413	103,987	SH		SOLE	0	103,221	0	765
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	1,978,897	21,555	SH		SOLE	0	20,982	0	572
ISHARES S&P 500 GROWTH ETF	ETF	464287309	207,149	3,541	SH		OTR	1	0	0	3,541
ISHARES S&P 500 GROWTH ETF	ETF	464287309	16,872,289	288,415	SH		SOLE	0	283,892	0	4,522
ISHARES CORE S&P 500 ETF	ETF	464287200	3,457,142	8,998	SH		SOLE	0	8,720	0	277
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF	ETF	46434V407	2,062,189	50,433	SH		SOLE	0	47,796	0	2,635
WELLS FARGO & CO	Stock	949746101	3,262	79	SH		OTR	1	0	0	79
WELLS FARGO & CO	Stock	949746101	464,682	11,254	SH		SOLE	0	8,487	0	2,766
ECOLAB INC	Stock	278865100	502,812	3,454	SH		SOLE	0	3,454	0	0
IDEXX LABORATORIES INC	Stock	45168D104	246,000	603	SH		SOLE	0	603	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	699,132	5,170	SH		SOLE	0	2,965	0	2,204
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	286,659	3,829	SH		SOLE	0	3,829	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	2,432	5	SH		OTR	1	0	0	5
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,537,693	3,161	SH		SOLE	0	3,129	0	31
JPMORGAN CHASE & CO	Stock	46625H100	11,667	87	SH		OTR	1	0	0	87
JPMORGAN CHASE & CO	Stock	46625H100	864,353	6,446	SH		SOLE	0	6,445	0	0
WISDOMTREE BLOOMBERG US DOLLAR BULLISH FUND	ETF	97717W471	303,456	11,649	SH		OTR	1	0	0	11,649
CHEVRON CORPORATION	Stock	166764100	3,051	17	SH		OTR	1	0	0	17
CHEVRON CORPORATION	Stock	166764100	1,779,167	9,912	SH		SOLE	0	9,347	0	565
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	968,040	9,174	SH		OTR	1	0	0	9,174
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	3,132,447	74,635	SH		SOLE	0	70,103	0	4,532
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	8,471,225	201,840	SH		OTR	1	0	0	201,840
BANK OF AMERICA CORP	Stock	060505104	9,009	272	SH		OTR	1	0	0	272
BANK OF AMERICA CORP	Stock	060505104	369,167	11,146	SH		SOLE	0	11,146	0	0
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	257,760	29,492	SH		SOLE	0	29,492	0	0
IBM CORP	Stock	459200101	1,595,536	11,325	SH		SOLE	0	11,224	0	100
ORACLE CORPORATION	Stock	68389X105	315,464	3,859	SH		SOLE	0	3,859	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	3,129	31	SH		OTR	1	0	0	31
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	1,249,274	12,379	SH		SOLE	0	12,150	0	228
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,476,672	63,537	SH		OTR	1	0	0	63,537
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	5,605,092	143,794	SH		SOLE	0	134,712	0	9,081
TEXAS INSTRUMENTS INCORPORATED	Stock	882508104	288,689	1,747	SH		SOLE	0	1,747	0	0
TARGET CORPORATION	Stock	87612E106	1,127,094	7,381	SH		SOLE	0	6,817	0	562
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,870,518	17,286	SH		SOLE	0	16,986	0	300
PFIZER INC	Stock	717081103	264,033	5,153	SH		SOLE	0	5,152	0	0
3M CO	Stock	88579Y101	1,228,901	10,248	SH		SOLE	0	10,003	0	244
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	6,435,354	70,610	SH		SOLE	0	62,986	0	7,622
CATERPILLAR INC	Stock	149123101	2,396	10	SH		OTR	1	0	0	10
CATERPILLAR INC	Stock	149123101	1,320,990	5,514	SH		SOLE	0	5,464	0	50
ALPHABET INC CLASS C	Stock	02079K107	2,751	31	SH		OTR	1	0	0	31
ALPHABET INC CLASS C	Stock	02079K107	506,147	5,704	SH		SOLE	0	5,104	0	600
APPLIED MATERIALS INC	Stock	038222105	7,109	73	SH		OTR	1	0	0	73
APPLIED MATERIALS INC	Stock	038222105	353,295	3,628	SH		SOLE	0	3,628	0	0
ALLY FINL INC COM	Stock	02005N100	889,486	36,380	SH		SOLE	0	36,379	0	0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	403,504	3,277	SH		SOLE	0	2,818	0	458
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND	ETF	97717W315	613,422	17,212	SH		SOLE	0	15,326	0	1,885
WILLIAMS COS INC COM	Stock	969457100	482,479	14,665	SH		SOLE	0	14,665	0	0
DIGI INTL INC COM	Stock	253798102	305,485	8,358	SH		SOLE	0	8,358	0	0
MAIN STR CAP CORP COM	CEF	56035L104	1,926,568	52,140	SH		SOLE	0	51,979	0	160
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	13,835,675	169,721	SH		SOLE	0	160,126	0	9,594
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	1,216,619	17,225	SH		SOLE	0	17,225	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	17,229,903	113,467	SH		SOLE	0	104,997	0	8,469
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	2,897,792	51,307	SH		SOLE	0	47,870	0	3,436
ABERDEEN ASIA PACIFIC INCOME FUND, INC	CEF	003009107	167,923	63,849	SH		SOLE	0	39,022	0	24,826
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	293,233	3,023	SH		SOLE	0	2,569	0	453
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	4,382,757	51,224	SH		SOLE	0	47,552	0	3,671
SPDR PORTFOLIO S&P 500 ETF	ETF	78464A854	270,392	6,011	SH		SOLE	0	4,873	0	1,138
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	2,438,707	78,693	SH		SOLE	0	56,084	0	22,608
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	2,781,064	30,457	SH		SOLE	0	28,169	0	2,287
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	278,251	6,193	SH		SOLE	0	6,193	0	0
ETFMG PRIME CYBER SECURITY ETF	ETF	26924G201	369,372	8,385	SH		SOLE	0	8,385	0	0
CH ROBINSON WORLDWIDE INC	Stock	12541W209	583,787	6,376	SH		SOLE	0	6,376	0	0
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	13,010,496	172,828	SH		SOLE	0	158,179	0	14,648
NORTHERN OIL & GAS, INC	Stock	665531307	1,500,811	48,696	SH		SOLE	0	48,696	0	0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	957,361	3,940	SH		SOLE	0	3,603	0	337
ISHARES RUSSELL 3000 ETF	ETF	464287689	1,826,178	8,275	SH		SOLE	0	7,657	0	617
REALTY INCOME CORP COM	REIT	756109104	989,196	15,595	SH		SOLE	0	15,595	0	0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	42,126	498	SH		OTR	1	0	0	498
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,340,614	27,670	SH		SOLE	0	25,366	0	2,303
EXXON MOBIL CORPORATION	Stock	30231G102	9,045	82	SH		OTR	1	0	0	82
EXXON MOBIL CORPORATION	Stock	30231G102	351,927	3,191	SH		SOLE	0	2,190	0	1,000
UNITEDHEALTH GROUP INC	Stock	91324P102	14,845	28	SH		OTR	1	0	0	28
UNITEDHEALTH GROUP INC	Stock	91324P102	2,153,531	4,062	SH		SOLE	0	2,778	0	1,283
ISHARES EXPONENTIAL TECHNOLOGIES ETF	ETF	46434V381	2,296,310	48,507	SH		SOLE	0	44,989	0	3,517
LOWE'S COMPANIES INC	Stock	548661107	281,803	1,414	SH		SOLE	0	1,414	0	0
DEERE & COMPANY	Stock	244199105	6,431	15	SH		OTR	1	0	0	15
DEERE & COMPANY	Stock	244199105	1,274,111	2,972	SH		SOLE	0	2,914	0	57
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,322,226	7,104	SH		SOLE	0	6,440	0	663
VODAFONE GROUP PLC	ADR	92857W308	193,408	19,111	SH		SOLE	0	15,684	0	3,426
NOVO-NORDISK A S ADR	ADR	670100205	226,069	1,670	SH		SOLE	0	1,670	0	0
CHARLES SCHWAB CORPORATION COMMON STOCK	Stock	808513105	3,996	48	SH		OTR	1	0	0	48
CHARLES SCHWAB CORPORATION COMMON STOCK	Stock	808513105	215,477	2,588	SH		SOLE	0	2,587	0	0
CBRE GROUP INC	Stock	12504L109	224,184	2,913	SH		SOLE	0	2,913	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	5,509,090	22,775	SH		SOLE	0	21,102	0	1,673
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF	ETF	46090F100	268,070	18,137	SH		SOLE	0	16,812	0	1,324
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	1,285,948	25,984	SH		OTR	1	0	0	25,984
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,250,272	7,801	SH		SOLE	0	7,141	0	659
ISHARES MSCI EAFE ETF	ETF	464287465	1,305,558	19,890	SH		SOLE	0	19,477	0	411
APPLE INC	Stock	037833100	757,492	5,830	SH		OTR	1	0	0	5,830
APPLE INC	Stock	037833100	7,229,708	55,643	SH		SOLE	0	46,808	0	8,834
ABBOTT LABORATORIES	Stock	002824100	228,354	2,080	SH		SOLE	0	1,368	0	711
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	476,623	5,530	SH		SOLE	0	5,529	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	1,383,285	6,571	SH		SOLE	0	6,570	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	1,510,131	9,958	SH		SOLE	0	6,665	0	3,292