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
Estimated average burden
hours per response:		23.8

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	2,476,140	13,727	SH		SOLE	0	13,067	0	659
ISHARES MORNINGSTAR MID-CAP VALUE ETF	ETF	464288406	304,147	4,192	SH		SOLE	0	4,192	0	0
INVESCO QQQ	ETF	46090E103	814,262	1,834	SH		SOLE	0	1,745	0	88
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	2,697,457	106,703	SH		SOLE	0	106,703	0	0
JOHNSON & JOHNSON	Stock	478160104	599,406	3,789	SH		SOLE	0	3,546	0	243
SEAGATE TECHNOLOGY PLC	Stock	G7997R103	249,002	2,676	SH		SOLE	0	2,676	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	2,235,602	8,602	SH		SOLE	0	3,749	0	4,852
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	1,436,607	28,566	SH		SOLE	0	28,566	0	0
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF	ETF	921946810	1,369,147	16,793	SH		SOLE	0	15,531	0	1,261
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	473,971	6,889	SH		SOLE	0	4,927	0	1,962
COSTCO WHOLESALE CORPORATION	Stock	22160K105	914,622	1,248	SH		SOLE	0	1,244	0	4
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	246,419	2,249	SH		SOLE	0	1,730	0	517
SENSEONICS HLDGS INC COM	Stock	81727U105	9,692	18,249	SH		SOLE	0	15,416	0	2,832
TOYOTA MOTOR CORP SP ADR REP2COM	ADR	892331307	316,350	1,257	SH		SOLE	0	1,256	0	0
PROCTER & GAMBLE CO	Stock	742718109	357,973	2,206	SH		SOLE	0	2,163	0	43
VANGUARD REAL ESTATE ETF	ETF	922908553	5,522,955	63,864	SH		SOLE	0	57,061	0	6,802
ISHARES MSCI ACWI EX US ETF	ETF	464288240	577,353	10,814	SH		SOLE	0	10,813	0	0
INTEL CORPORATION	Stock	458140100	337,135	7,633	SH		SOLE	0	7,572	0	60
MEDTRONIC PLC	Stock	G5960L103	294,657	3,381	SH		SOLE	0	3,376	0	5
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	374,011	5,091	SH		SOLE	0	4,715	0	376
ISHARES TREASURY FLOATING RATE BOND ETF	ETF	46434V860	3,228,731	63,696	SH		SOLE	0	58,751	0	4,943
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,283,459	41,018	SH		SOLE	0	39,183	0	1,834
MERCK & CO INC	Stock	58933Y105	320,770	2,431	SH		SOLE	0	2,410	0	20
SPDR S&P 500 ETF	ETF	78462F103	3,042,935	5,817	SH		SOLE	0	5,817	0	0
MASTERCARD INC	Stock	57636Q104	1,498,906	3,113	SH		SOLE	0	3,101	0	11
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	430,912	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	681,425	69,890	SH		SOLE	0	58,564	0	11,325
PACER US CASH COWS 100 ETF	ETF	69374H881	296,777	5,107	SH		SOLE	0	5,107	0	0
INVESCO S&P MIDCAP 400 PURE GROWTH ETF	ETF	46137V217	203,447	4,013	SH		SOLE	0	4,012	0	0
VERIZON COMMUNICATIONS INC	Stock	92343V104	207,361	4,942	SH		SOLE	0	4,271	0	670
PEPSICO INC	Stock	713448108	217,724	1,244	SH		SOLE	0	1,235	0	9
HONEYWELL INTERNATIONAL INC	Stock	438516106	1,093,010	5,325	SH		SOLE	0	5,320	0	5
FORD MOTOR COMPANY	Stock	345370860	448,596	33,780	SH		SOLE	0	30,631	0	3,148
US BANCORP	Stock	902973304	755,496	16,901	SH		SOLE	0	16,861	0	40
XCEL ENERGY INC	Stock	98389B100	593,792	11,047	SH		SOLE	0	11,047	0	0
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF	ETF	78464A359	1,441,534	19,736	SH		SOLE	0	16,881	0	2,855
HOME DEPOT INC	Stock	437076102	659,239	1,719	SH		SOLE	0	1,579	0	138
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	3,578	181	SH		SOLE	0	181	0	0
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	698,178	35,315	SH		OTR	1	0	0	35,315
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	218,523	1,376	SH		OTR	1	0	0	1,376
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	231,421	1,457	SH		SOLE	0	1,457	0	0
BECTON DICKINSON AND CO	Stock	075887109	353,193	1,427	SH		SOLE	0	1,426	0	1
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,682,292	34,165	SH		SOLE	0	25,086	0	9,078
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,167,446	44,018	SH		OTR	1	0	0	44,018
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	876,927	2,602	SH		SOLE	0	1,744	0	857
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	280,466	4,594	SH		SOLE	0	4,390	0	204
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	3,172,684	81,309	SH		SOLE	0	78,435	0	2,874
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,199,156	67,663	SH		SOLE	0	57,918	0	9,744
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	5,166,743	83,254	SH		OTR	1	0	0	83,254
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,252,091	13,504	SH		OTR	1	0	0	13,504
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	4,551,957	49,094	SH		SOLE	0	47,783	0	1,310
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	1,138,917	11,328	SH		SOLE	0	10,766	0	562
FIRST TRUST MID CAP CORE ALPHADEX FUND	ETF	33735B108	226,313	1,996	SH		SOLE	0	1,996	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	8,123,402	73,502	SH		SOLE	0	69,212	0	4,289
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	16,806,682	39,966	SH		SOLE	0	37,513	0	2,453
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	919,012	36,397	SH		SOLE	0	29,208	0	7,188
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF	ETF	46435G326	257,712	3,839	SH		OTR	1	0	0	3,839
ADOBE INC	Stock	00724F101	525,289	1,041	SH		SOLE	0	1,036	0	5
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	4,113,198	53,204	SH		SOLE	0	50,960	0	2,243
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	114,188	2,185	SH		SOLE	0	2,185	0	0
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	626,754	11,993	SH		OTR	1	0	0	11,993
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	1,235,805	15,350	SH		SOLE	0	13,072	0	2,277
ALPHABET INC CLASS A	Stock	02079K305	434,075	2,876	SH		SOLE	0	2,717	0	159
NEWMONT CORPORATION	Stock	651639106	228,926	6,387	SH		SOLE	0	6,364	0	22
MICROSOFT CORPORATION	Stock	594918104	4,996,210	11,875	SH		SOLE	0	10,944	0	930
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	1,105,986	11,868	SH		SOLE	0	11,868	0	0
BOEING CO	Stock	097023105	277,327	1,437	SH		SOLE	0	1,435	0	2
VANGUARD SMALL-CAP ETF	ETF	922908751	2,105,581	9,211	SH		SOLE	0	9,070	0	140
VANGUARD MID-CAP ETF	ETF	922908629	6,239,520	24,972	SH		SOLE	0	24,916	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	940,983	3,925	SH		SOLE	0	3,880	0	44
NEXTERA ENERGY INC	Stock	65339F101	382,539	5,986	SH		SOLE	0	2,963	0	3,022
TESLA INC	Stock	88160R101	227,296	1,293	SH		SOLE	0	858	0	435
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	10,735	438	SH		SOLE	0	438	0	0
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	624,980	25,499	SH		OTR	1	0	0	25,499
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	260,768	5,409	SH		OTR	1	0	0	5,409
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	552,034	11,451	SH		SOLE	0	11,450	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	719,455	9,469	SH		OTR	1	0	0	9,469
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	3,673,310	48,346	SH		SOLE	0	48,345	0	0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND	ETF	72201R866	342,839	6,534	SH		SOLE	0	6,534	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	422,417	8,098	SH		SOLE	0	8,098	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	1,386,048	26,573	SH		OTR	1	0	0	26,573
ROYAL CARIBBEAN CRUISES LTD	Stock	V7780T103	1,438,614	10,349	SH		SOLE	0	10,254	0	95
LEVI STRAUSS & CO NEW CL A COM STK	Stock	52736R102	308,746	15,445	SH		SOLE	0	15,445	0	0
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	3,749,276	64,721	SH		SOLE	0	57,506	0	7,214
VANGUARD S&P 500 ETF	ETF	922908363	1,094,426	2,277	SH		SOLE	0	2,244	0	32
VANGUARD GLOBAL EX-US REAL ESTATE ETF	ETF	922042676	3,073,179	72,928	SH		SOLE	0	62,242	0	10,685
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	806,201	4,760	SH		OTR	1	0	0	4,760
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,799,905	10,627	SH		SOLE	0	10,627	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	310,088	3,055	SH		SOLE	0	921	0	2,133
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	5,331,520	64,258	SH		SOLE	0	56,192	0	8,066
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	1,948,926	22,342	SH		SOLE	0	19,502	0	2,839
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	11,475,688	110,566	SH		SOLE	0	101,420	0	9,146
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,337,572	40,619	SH		SOLE	0	37,696	0	2,922
EDAP TMS SA	ADR	268311107	991,956	134,960	SH		SOLE	0	134,960	0	0
AIR PRODUCTS & CHEMICALS INC	Stock	009158106	468,113	1,932	SH		SOLE	0	1,928	0	4
SCHWAB U.S. REIT ETF	ETF	808524847	520,707	25,651	SH		SOLE	0	17,913	0	7,736
SCHWAB U.S. MID-CAP ETF	ETF	808524508	1,653,193	20,302	SH		SOLE	0	18,959	0	1,342
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	2,142,299	24,718	SH		SOLE	0	23,791	0	926
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	3,248,058	41,303	SH		SOLE	0	39,494	0	1,808
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	630,787	10,461	SH		SOLE	0	10,389	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	1,192,153	24,667	SH		SOLE	0	24,666	0	0
SPDR BLOOMBERG BARCLAYS EMERGING MARKETS LOCAL BOND ETF	ETF	78464A391	67,322	3,284	SH		SOLE	0	3,284	0	0
SPDR BLOOMBERG BARCLAYS EMERGING MARKETS LOCAL BOND ETF	ETF	78464A391	179,949	8,778	SH		OTR	1	0	0	8,778
PIMCO CORPORATE & INCOME OPPOR COM	CEF	72201B101	1,588,173	106,804	SH		SOLE	0	105,363	0	1,440
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,878,395	8,932	SH		SOLE	0	8,931	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	3,585,755	32,536	SH		SOLE	0	26,844	0	5,691
VERTIV HOLDINGS CO COM CL A	Stock	92537N108	336,807	4,124	SH		SOLE	0	4,124	0	0
BNY MELLON US LARGE CAP CORE EQUITY ETF	ETF	09661T107	310,877	3,115	SH		SOLE	0	3,115	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	630,137	4,776	SH		SOLE	0	4,566	0	210
VANGUARD S&P SMALL-CAP 600 VALUE ETF	ETF	921932778	281,024	3,178	SH		SOLE	0	3,178	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	2,887,626	49,907	SH		SOLE	0	45,585	0	4,321
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	723,843	18,885	SH		SOLE	0	14,470	0	4,414
GLADSTONE LAND CORPORATION	REIT	376549101	255,866	19,180	SH		SOLE	0	18,980	0	200
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	270,724	2,372	SH		SOLE	0	2,371	0	0
MARATHON PETROLEUM CORP	Stock	56585A102	213,087	1,058	SH		SOLE	0	1,049	0	8
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	482,386	2,514	SH		OTR	1	0	0	2,514
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	2,613,413	13,620	SH		SOLE	0	11,321	0	2,298
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	1,866,171	51,072	SH		SOLE	0	51,072	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,401,850	30,475	SH		SOLE	0	30,318	0	156
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	16,892,989	310,533	SH		SOLE	0	288,550	0	21,982
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	152,265	5,927	SH		SOLE	0	5,927	0	0
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	488,341	19,009	SH		OTR	1	0	0	19,009
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	5,214,654	64,674	SH		SOLE	0	60,091	0	4,582
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	315,705	2,999	SH		OTR	1	0	0	2,999
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	1,809,599	36,521	SH		SOLE	0	36,520	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	408,807	1,562	SH		SOLE	0	1,557	0	5
BLACKROCK ENHANCED EQUITY DIVIDEND TRUST	CEF	09251A104	83,903	10,170	SH		SOLE	0	10,170	0	0
VISA INC	Stock	92826C839	1,064,553	3,815	SH		SOLE	0	3,601	0	212
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	20,269,620	634,417	SH		SOLE	0	531,204	0	103,212
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	41,205	493	SH		OTR	1	0	0	493
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	283,502	3,392	SH		SOLE	0	3,391	0	0
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	14,817,460	582,447	SH		SOLE	0	510,240	0	72,207
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	221,419	849	SH		SOLE	0	849	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	479,464	1,839	SH		OTR	1	0	0	1,839
VANGUARD VALUE ETF	ETF	922908744	2,084,119	12,797	SH		OTR	1	0	0	12,797
VANGUARD VALUE ETF	ETF	922908744	18,691,974	114,773	SH		SOLE	0	90,139	0	24,633
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,468,357	4,266	SH		OTR	1	0	0	4,266
VANGUARD GROWTH INDEX FUND	ETF	922908736	34,304,384	99,664	SH		SOLE	0	93,630	0	6,033
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	4,212,436	184,999	SH		SOLE	0	183,324	0	1,674
PHILLIPS 66	Stock	718546104	279,736	1,713	SH		SOLE	0	1,707	0	5
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,193,181	10,348	SH		SOLE	0	9,750	0	597
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,665,266	50,957	SH		SOLE	0	45,822	0	5,133
FACEBOOK INC COMMON STOCK	Stock	30303M102	397,693	819	SH		SOLE	0	588	0	231
CAPITAL GROUP INTERNATIONAL FOCUS EQUITY ETF	ETF	14019W109	12,379,689	480,205	SH		SOLE	0	432,549	0	47,656
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	1,748,888	65,379	SH		SOLE	0	65,379	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	48,743,183	542,193	SH		SOLE	0	508,513	0	33,680
SERVICENOW INC	Stock	81762P102	290,474	381	SH		SOLE	0	378	0	3
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	478,488	8,822	SH		SOLE	0	6,518	0	2,303
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	922,673	17,102	SH		SOLE	0	15,228	0	1,873
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF	ETF	81589A106	6,950	216	SH		SOLE	0	216	0	0
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF	ETF	81589A106	1,140,887	35,460	SH		OTR	1	0	0	35,460
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF	ETF	81589A205	14,496	451	SH		SOLE	0	451	0	0
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF	ETF	81589A205	2,386,249	74,242	SH		OTR	1	0	0	74,242
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF	ETF	81589A304	14,742	476	SH		SOLE	0	476	0	0
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF	ETF	81589A304	2,410,674	77,839	SH		OTR	1	0	0	77,839
BROADCOM INC COM	Stock	11135F101	508,934	384	SH		SOLE	0	376	0	7
DIMENSIONAL INTERNATIONAL SUSTAINABILITY CORE 1 ETF	ETF	25434V690	841,891	25,004	SH		SOLE	0	22,649	0	2,355
DIMENSIONAL US SUSTAINABILITY CORE 1 ETF	ETF	25434V716	1,183,118	34,383	SH		SOLE	0	31,154	0	3,228
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	399,498	8,342	SH		OTR	1	0	0	8,342
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	628,327	13,120	SH		SOLE	0	8,327	0	4,793
DIMENSIONAL GLOBAL SUSTAINABILITY FIXED INCOME ETF	ETF	25434V674	540,807	10,444	SH		SOLE	0	9,477	0	967
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	550,316	8,110	SH		SOLE	0	7,987	0	122
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	624,160	8,410	SH		SOLE	0	8,409	0	0
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	897,839	12,097	SH		OTR	1	0	0	12,097
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	393,570	5,718	SH		SOLE	0	5,268	0	450
KINDER MORGAN INC	Stock	49456B101	759,406	41,407	SH		SOLE	0	40,577	0	830
ACCENTURE PLC	Stock	G1151C101	374,629	1,081	SH		SOLE	0	1,073	0	7
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,052,040	44,844	SH		OTR	1	0	0	44,844
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,461,771	62,309	SH		SOLE	0	54,870	0	7,438
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	351,704	6,003	SH		SOLE	0	6,002	0	0
NVIDIA CORPORATION	Stock	67066G104	1,686,668	1,867	SH		SOLE	0	1,466	0	400
GENUINE PARTS COMPANY	Stock	372460105	309,990	2,001	SH		SOLE	0	1,876	0	124
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	4,193,052	226,162	SH		SOLE	0	191,809	0	34,353
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	3,271,865	82,560	SH		SOLE	0	74,379	0	8,180
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	481,563	7,385	SH		SOLE	0	4,393	0	2,991
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	209,490	4,060	SH		SOLE	0	4,059	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	360,684	6,990	SH		OTR	1	0	0	6,990
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	642,267	8,843	SH		OTR	1	0	0	8,843
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	20,591,709	283,515	SH		SOLE	0	262,719	0	20,795
VANGUARD FTSE ALL-WORLD EX-US ETF	ETF	922042775	532,360	9,077	SH		SOLE	0	9,076	0	0
RUNNING OAK EFFICIENT GROWTH ETF	ETF	48817R870	1,245,201	39,945	SH		SOLE	0	38,623	0	1,322
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	171,416	633	SH		OTR	1	0	0	633
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	193,990	716	SH		SOLE	0	716	0	0
CHURCH & DWIGHT CO INC	Stock	171340102	425,225	4,077	SH		SOLE	0	4,071	0	5
GRACO INC COM	Stock	384109104	2,301,595	24,627	SH		SOLE	0	22,136	0	2,490
ROCKWELL AUTOMATION	Stock	773903109	371,974	1,277	SH		SOLE	0	1,275	0	1
MCDONALD'S CORP	Stock	580135101	505,272	1,792	SH		SOLE	0	1,513	0	278
CISCO SYSTEMS INC	Stock	17275R102	211,117	4,230	SH		SOLE	0	3,925	0	304
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	1,143,471	23,246	SH		OTR	1	0	0	23,246
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	2,490,804	50,636	SH		SOLE	0	45,202	0	5,433
ISHARES MSCI FRONTIER 100 ETF	ETF	464286145	1,921,004	67,051	SH		SOLE	0	58,815	0	8,235
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	9,546,666	113,529	SH		SOLE	0	102,990	0	10,539
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	18,749,092	246,083	SH		SOLE	0	226,379	0	19,703
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,823,961	61,371	SH		SOLE	0	60,753	0	618
MATTHEWS PACIFIC TIGER ACTIVE ETF	ETF	577130578	340,456	13,607	SH		SOLE	0	9,576	0	4,030
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	2,993,864	61,387	SH		SOLE	0	53,763	0	7,623
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	892,278	9,451	SH		SOLE	0	9,283	0	167
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	71,448	1,119	SH		SOLE	0	1,119	0	0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	766,008	11,997	SH		OTR	1	0	0	11,997
ISHARES BIOTECHNOLOGY FUND	ETF	464287556	253,687	1,849	SH		SOLE	0	1,848	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	923,433	16,192	SH		SOLE	0	15,334	0	857
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	25,042,351	371,603	SH		SOLE	0	363,126	0	8,477
GENERAL ELECTRIC COMPANY	Stock	369604301	225,069	1,282	SH		SOLE	0	1,270	0	12
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	10,111,778	61,526	SH		SOLE	0	55,758	0	5,767
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	246,842	1,888	SH		SOLE	0	1,888	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	264,430	1,411	SH		SOLE	0	1,411	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	3,428,032	25,382	SH		SOLE	0	22,649	0	2,732
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,294,656	46,637	SH		SOLE	0	35,349	0	11,287
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	8,851,082	248,556	SH		SOLE	0	215,761	0	32,794
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	797,560	9,353	SH		SOLE	0	9,153	0	200
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	441,683	7,532	SH		SOLE	0	7,532	0	0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF	ETF	74348A467	290,672	2,866	SH		SOLE	0	2,866	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	28,331,034	151,657	SH		SOLE	0	131,760	0	19,896
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	665,190	6,536	SH		SOLE	0	6,535	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	279,243	3,307	SH		OTR	1	0	0	3,307
ISHARES S&P 500 GROWTH ETF	ETF	464287309	21,138,089	250,333	SH		SOLE	0	220,399	0	29,932
ISHARES CORE S&P 500 ETF	ETF	464287200	3,238,431	6,160	SH		SOLE	0	5,909	0	250
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	ETF	808524672	1,104,627	45,533	SH		SOLE	0	37,282	0	8,250
WELLS FARGO & CO	Stock	949746101	529,413	9,134	SH		SOLE	0	6,215	0	2,918
ECOLAB INC	Stock	278865100	811,008	3,512	SH		SOLE	0	3,508	0	4
ISHARES MBS ETF	ETF	464288588	90,677	981	SH		SOLE	0	969	0	12
ISHARES MBS ETF	ETF	464288588	691,394	7,481	SH		OTR	1	0	0	7,481
SALESFORCE.COM INC	Stock	79466L302	238,233	791	SH		SOLE	0	587	0	204
IDEXX LABORATORIES INC	Stock	45168D104	410,347	760	SH		SOLE	0	758	0	2
VANGUARD MID-CAP VALUE ETF	ETF	922908512	1,023,438	6,564	SH		SOLE	0	4,295	0	2,268
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	322,634	3,400	SH		SOLE	0	3,400	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,346,952	2,961	SH		SOLE	0	2,927	0	33
JPMORGAN CHASE & CO	Stock	46625H100	962,322	4,804	SH		SOLE	0	4,761	0	43
CHEVRON CORPORATION	Stock	166764100	314,865	1,996	SH		SOLE	0	1,583	0	413
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	175,173	1,628	SH		SOLE	0	1,628	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	829,381	7,708	SH		OTR	1	0	0	7,708
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	7,718,303	153,843	SH		OTR	1	0	0	153,843
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	9,209,328	183,562	SH		SOLE	0	175,329	0	8,233
BANK OF AMERICA CORP	Stock	060505104	442,128	11,660	SH		SOLE	0	10,909	0	750
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	288,727	29,492	SH		SOLE	0	29,492	0	0
WALMART INC	Stock	931142103	202,709	3,369	SH		SOLE	0	3,344	0	24
IBM CORP	Stock	459200101	1,167,484	6,114	SH		SOLE	0	5,957	0	156
ORACLE CORPORATION	Stock	68389X105	448,910	3,574	SH		SOLE	0	3,558	0	15
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	1,315,128	13,484	SH		SOLE	0	13,221	0	263
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,696,337	64,552	SH		OTR	1	0	0	64,552
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	7,286,763	174,450	SH		SOLE	0	159,380	0	15,069
TEXAS INSTRUMENTS INCORPORATED	Stock	882508104	247,584	1,421	SH		SOLE	0	1,415	0	6
TARGET CORPORATION	Stock	87612E106	1,390,662	7,660	SH		SOLE	0	7,266	0	393
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,903,029	15,729	SH		SOLE	0	15,728	0	0
PFIZER INC	Stock	717081103	267,097	9,625	SH		SOLE	0	9,615	0	10
3M CO	Stock	88579Y101	1,538,714	14,507	SH		SOLE	0	14,308	0	197
CATERPILLAR INC	Stock	149123101	991,028	2,705	SH		SOLE	0	2,595	0	109
ALPHABET INC CLASS C	Stock	02079K107	841,123	5,524	SH		SOLE	0	4,924	0	600
APPLIED MATERIALS INC	Stock	038222105	545,345	2,644	SH		SOLE	0	2,632	0	12
ALLY FINL INC COM	Stock	02005N100	270,492	6,664	SH		SOLE	0	6,659	0	5
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	574,564	2,802	SH		SOLE	0	2,372	0	429
WILLIAMS COS INC COM	Stock	969457100	544,700	13,977	SH		SOLE	0	13,967	0	10
MAIN STR CAP CORP COM	CEF	56035L104	977,415	20,660	SH		SOLE	0	20,659	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	1,785,740	15,235	SH		SOLE	0	15,235	0	0
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	1,607,121	17,770	SH		SOLE	0	17,770	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	19,829,694	108,590	SH		SOLE	0	98,449	0	10,141
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	3,267,703	51,598	SH		SOLE	0	45,150	0	6,448
ABERDEEN ASIA PACIFIC INCOME FUND, INC	CEF	003009107	78,362	27,987	SH		SOLE	0	21,894	0	6,091
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	2,088,215	22,069	SH		SOLE	0	19,481	0	2,587
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	5,382,275	49,730	SH		SOLE	0	44,292	0	5,436
SPDR PORTFOLIO S&P 500 ETF	ETF	78464A854	234,060	3,804	SH		SOLE	0	3,804	0	0
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	2,353,975	75,424	SH		SOLE	0	53,071	0	22,351
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	812,915	7,911	SH		SOLE	0	2,733	0	5,177
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	266,426	2,920	SH		SOLE	0	2,919	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	837,032	18,360	SH		SOLE	0	18,359	0	0
CH ROBINSON WORLDWIDE INC	Stock	12541W209	371,868	4,884	SH		SOLE	0	4,884	0	0
DELTA AIR LINES INC	Stock	247361702	239,885	5,011	SH		SOLE	0	3,235	0	1,775
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288620	69,707	1,373	SH		SOLE	0	1,349	0	24
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288620	704,231	13,871	SH		OTR	1	0	0	13,871
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	15,177,523	197,959	SH		SOLE	0	176,791	0	21,167
NORTHERN OIL & GAS, INC	Stock	665531307	2,422,424	61,049	SH		SOLE	0	61,049	0	0
PHILIP MORRIS INTERNATIONAL INC	Stock	718172109	201,084	2,195	SH		SOLE	0	1,484	0	710
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	1,324,436	37,637	SH		SOLE	0	34,359	0	3,277
ISHARES RUSSELL 3000 ETF	ETF	464287689	2,495,219	8,315	SH		SOLE	0	7,745	0	569
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	67,342	751	SH		OTR	1	0	0	751
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,612,889	29,139	SH		SOLE	0	25,956	0	3,182
EXXON MOBIL CORPORATION	Stock	30231G102	1,434,105	12,337	SH		SOLE	0	11,012	0	1,325
UNITEDHEALTH GROUP INC	Stock	91324P102	2,176,691	4,400	SH		SOLE	0	2,912	0	1,487
TRAVELERS COMPANIES INC	Stock	89417E109	237,507	1,032	SH		SOLE	0	1,027	0	5
ISHARES EXPONENTIAL TECHNOLOGIES ETF	ETF	46434V381	746,836	12,527	SH		SOLE	0	11,896	0	629
LOWE'S COMPANIES INC	Stock	548661107	353,091	1,386	SH		SOLE	0	1,241	0	145
DEERE & COMPANY	Stock	244199105	1,020,445	2,484	SH		SOLE	0	2,425	0	59
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,431,764	21,088	SH		SOLE	0	19,089	0	1,998
VODAFONE GROUP PLC	ADR	92857W308	179,968	20,221	SH		SOLE	0	16,240	0	3,980
NOVO-NORDISK A S ADR	ADR	670100205	431,264	3,359	SH		SOLE	0	3,358	0	0
CBRE GROUP INC	Stock	12504L109	288,608	2,968	SH		SOLE	0	2,958	0	10
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	8,575,274	141,180	SH		SOLE	0	129,444	0	11,735
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	293,682	5,804	SH		SOLE	0	5,804	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	1,130,961	22,351	SH		OTR	1	0	0	22,351
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,399,957	75,494	SH		SOLE	0	66,881	0	8,612
ISHARES MSCI EAFE ETF	ETF	464287465	1,674,478	20,968	SH		SOLE	0	17,883	0	3,084
APPLE INC	Stock	037833100	988,239	5,763	SH		OTR	1	0	0	5,763
APPLE INC	Stock	037833100	13,265,183	77,357	SH		SOLE	0	68,819	0	8,537
WALT DISNEY CO	Stock	254687106	210,816	1,723	SH		SOLE	0	1,325	0	397
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	716,676	6,486	SH		SOLE	0	6,485	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	1,892,588	6,571	SH		SOLE	0	6,570	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	1,553,581	8,674	SH		SOLE	0	4,326	0	4,347