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	2,388,831	12,361	SH		SOLE	0	11,701	0	659
ISHARES MORNINGSTAR MID-CAP VALUE ETF	ETF	464288406	296,017	4,214	SH		SOLE	0	4,214	0	0
INVESCO QQQ	ETF	46090E103	890,621	1,859	SH		SOLE	0	1,770	0	88
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	2,812,267	112,087	SH		SOLE	0	112,087	0	0
JOHNSON & JOHNSON	Stock	478160104	523,115	3,579	SH		SOLE	0	3,351	0	228
SEAGATE TECHNOLOGY PLC	Stock	G7997R103	277,900	2,691	SH		SOLE	0	2,691	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	2,317,945	8,665	SH		SOLE	0	3,812	0	4,852
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	1,909,158	37,948	SH		SOLE	0	37,722	0	225
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF	ETF	921946810	1,876,525	23,087	SH		SOLE	0	21,817	0	1,270
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	447,179	6,525	SH		SOLE	0	4,563	0	1,962
COSTCO WHOLESALE CORPORATION	Stock	22160K105	1,007,497	1,185	SH		SOLE	0	1,177	0	8
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	235,019	2,249	SH		SOLE	0	1,730	0	517
SENSEONICS HLDGS INC COM	Stock	81727U105	7,281	18,249	SH		SOLE	0	15,416	0	2,832
TOYOTA MOTOR CORP SP ADR REP2COM	ADR	892331307	257,689	1,257	SH		SOLE	0	1,257	0	0
PROCTER & GAMBLE CO	Stock	742718109	374,654	2,272	SH		SOLE	0	2,235	0	36
VANGUARD REAL ESTATE ETF	ETF	922908553	4,874,907	58,201	SH		SOLE	0	54,154	0	4,046
ISHARES MSCI ACWI EX US ETF	ETF	464288240	576,939	10,859	SH		SOLE	0	10,859	0	0
INTEL CORPORATION	Stock	458140100	220,122	7,108	SH		SOLE	0	7,082	0	25
MEDTRONIC PLC	Stock	G5960L103	259,051	3,291	SH		SOLE	0	3,286	0	5
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	379,992	5,081	SH		SOLE	0	4,704	0	377
ISHARES TREASURY FLOATING RATE BOND ETF	ETF	46434V860	3,758,209	74,185	SH		SOLE	0	69,147	0	5,037
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,310,830	41,030	SH		SOLE	0	39,196	0	1,834
MERCK & CO INC	Stock	58933Y105	311,414	2,515	SH		SOLE	0	2,480	0	35
SPDR S&P 500 ETF	ETF	78462F103	3,150,851	5,790	SH		SOLE	0	5,789	0	0
MASTERCARD INC	Stock	57636Q104	1,357,845	3,078	SH		SOLE	0	3,071	0	6
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	429,478	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	281,326	28,884	SH		SOLE	0	24,862	0	4,021
PACER US CASH COWS 100 ETF	ETF	69374H881	669,440	12,286	SH		SOLE	0	12,285	0	0
VERIZON COMMUNICATIONS INC	Stock	92343V104	207,533	5,032	SH		SOLE	0	4,359	0	673
PEPSICO INC	Stock	713448108	213,974	1,297	SH		SOLE	0	1,278	0	19
WISDOMTREE INTERNATIONAL QUALITY DIVIDEND GROWTH FUND	ETF	97717X131	208,703	5,627	SH		SOLE	0	5,489	0	137
HONEYWELL INTERNATIONAL INC	Stock	438516106	1,065,782	4,991	SH		SOLE	0	4,980	0	11
FORD MOTOR COMPANY	Stock	345370860	426,404	34,004	SH		SOLE	0	30,899	0	3,104
US BANCORP	Stock	902973304	536,896	13,524	SH		SOLE	0	13,498	0	25
XCEL ENERGY INC	Stock	98389B100	500,377	9,369	SH		SOLE	0	9,358	0	10
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF	ETF	78464A359	1,159,613	16,092	SH		SOLE	0	15,252	0	840
HOME DEPOT INC	Stock	437076102	601,452	1,747	SH		SOLE	0	1,611	0	135
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	1,362	67	SH		SOLE	0	67	0	0
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	712,282	35,036	SH		OTR	1	0	0	35,036
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	194,792	1,279	SH		OTR	1	0	0	1,279
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	236,883	1,555	SH		SOLE	0	1,555	0	0
BECTON DICKINSON AND CO	Stock	075887109	338,192	1,447	SH		SOLE	0	1,443	0	4
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,610,650	33,944	SH		SOLE	0	24,865	0	9,078
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,103,221	44,325	SH		OTR	1	0	0	44,325
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	846,041	2,321	SH		SOLE	0	1,464	0	857
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	288,827	4,594	SH		SOLE	0	4,390	0	204
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	3,018,166	78,557	SH		SOLE	0	75,683	0	2,874
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,194,652	65,286	SH		SOLE	0	55,541	0	9,744
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	5,348,556	83,246	SH		OTR	1	0	0	83,246
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,317,374	13,064	SH		OTR	1	0	0	13,064
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	4,897,175	48,564	SH		SOLE	0	47,253	0	1,310
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	1,174,001	11,664	SH		SOLE	0	10,873	0	791
FIRST TRUST MID CAP CORE ALPHADEX FUND	ETF	33735B108	216,742	1,997	SH		SOLE	0	1,997	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	5,066,780	47,504	SH		SOLE	0	46,846	0	657
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	16,526,294	40,625	SH		SOLE	0	38,183	0	2,442
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	896,819	33,766	SH		SOLE	0	26,577	0	7,188
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF	ETF	46435G326	287,700	4,383	SH		OTR	1	0	0	4,383
ADOBE INC	Stock	00724F101	278,326	501	SH		SOLE	0	495	0	6
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	3,772,737	48,822	SH		SOLE	0	48,114	0	708
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	111,719	2,163	SH		SOLE	0	2,163	0	0
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	646,451	12,516	SH		OTR	1	0	0	12,516
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	1,118,533	13,994	SH		SOLE	0	13,308	0	685
ALPHABET INC CLASS A	Stock	02079K305	590,653	3,243	SH		SOLE	0	3,083	0	159
NEWMONT CORPORATION	Stock	651639106	271,522	6,485	SH		SOLE	0	6,462	0	22
MICROSOFT CORPORATION	Stock	594918104	5,288,830	11,833	SH		SOLE	0	10,901	0	931
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	1,147,001	11,871	SH		SOLE	0	11,871	0	0
BOEING CO	Stock	097023105	224,054	1,231	SH		SOLE	0	1,222	0	9
VANGUARD SMALL-CAP ETF	ETF	922908751	1,970,305	9,036	SH		SOLE	0	8,907	0	128
VANGUARD MID-CAP ETF	ETF	922908629	6,092,462	25,165	SH		SOLE	0	25,109	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	979,681	3,925	SH		SOLE	0	3,880	0	44
NEXTERA ENERGY INC	Stock	65339F101	430,388	6,078	SH		SOLE	0	3,056	0	3,022
TESLA INC	Stock	88160R101	293,852	1,485	SH		SOLE	0	1,049	0	436
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	10,820	455	SH		SOLE	0	455	0	0
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	630,289	26,505	SH		OTR	1	0	0	26,505
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	262,309	5,450	SH		OTR	1	0	0	5,450
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	427,372	8,880	SH		SOLE	0	8,879	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	214,151	371	SH		SOLE	0	371	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	633,014	8,545	SH		OTR	1	0	0	8,545
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	3,628,185	48,977	SH		SOLE	0	48,976	0	0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND	ETF	72201R866	340,160	6,534	SH		SOLE	0	6,534	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	278,672	5,358	SH		SOLE	0	5,358	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	1,392,932	26,782	SH		OTR	1	0	0	26,782
ROYAL CARIBBEAN CRUISES LTD	Stock	V7780T103	1,487,004	9,327	SH		SOLE	0	9,231	0	96
LEVI STRAUSS & CO NEW CL A COM STK	Stock	52736R102	297,780	15,445	SH		SOLE	0	15,445	0	0
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	3,297,413	59,041	SH		SOLE	0	52,291	0	6,749
VANGUARD S&P 500 ETF	ETF	922908363	1,219,184	2,438	SH		SOLE	0	2,405	0	32
VANGUARD GLOBAL EX-US REAL ESTATE ETF	ETF	922042676	2,567,975	63,297	SH		SOLE	0	58,074	0	5,222
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	781,809	4,759	SH		OTR	1	0	0	4,759
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,678,372	10,217	SH		SOLE	0	10,216	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	290,118	2,954	SH		SOLE	0	820	0	2,133
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	4,713,661	60,192	SH		SOLE	0	53,081	0	7,110
SPDR S&P 600 SMALL CAP GROWTH ETF	ETF	78464A201	1,791,191	20,862	SH		SOLE	0	18,319	0	2,542
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	4,395,939	42,971	SH		SOLE	0	42,424	0	546
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,245,605	40,693	SH		SOLE	0	37,751	0	2,941
LILLY ELI & CO COM	Stock	532457108	200,089	221	SH		SOLE	0	209	0	12
EDAP TMS SA	ADR	268311107	734,182	134,960	SH		SOLE	0	134,960	0	0
AIR PRODUCTS & CHEMICALS INC	Stock	009158106	495,764	1,921	SH		SOLE	0	1,914	0	7
SCHWAB U.S. REIT ETF	ETF	808524847	512,242	25,651	SH		SOLE	0	17,913	0	7,736
SCHWAB U.S. MID-CAP ETF	ETF	808524508	1,573,048	20,211	SH		SOLE	0	18,952	0	1,259
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	2,134,729	22,756	SH		SOLE	0	21,829	0	926
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	2,945,026	38,462	SH		SOLE	0	37,275	0	1,186
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	628,780	10,428	SH		SOLE	0	10,356	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	1,217,508	25,218	SH		SOLE	0	25,217	0	0
SPDR BLOOMBERG BARCLAYS EMERGING MARKETS LOCAL BOND ETF	ETF	78464A391	71,922	3,616	SH		SOLE	0	3,616	0	0
SPDR BLOOMBERG BARCLAYS EMERGING MARKETS LOCAL BOND ETF	ETF	78464A391	166,082	8,350	SH		OTR	1	0	0	8,350
PIMCO CORPORATE & INCOME OPPOR COM	CEF	72201B101	1,313,050	91,758	SH		SOLE	0	90,281	0	1,475
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,812,433	8,933	SH		SOLE	0	8,933	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	3,606,022	33,174	SH		SOLE	0	27,376	0	5,797
VERTIV HOLDINGS CO COM CL A	Stock	92537N108	357,015	4,124	SH		SOLE	0	4,124	0	0
BNY MELLON US LARGE CAP CORE EQUITY ETF	ETF	09661T107	323,275	3,115	SH		SOLE	0	3,115	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	505,633	3,829	SH		SOLE	0	3,619	0	210
VANGUARD S&P SMALL-CAP 600 VALUE ETF	ETF	921932778	265,927	3,178	SH		SOLE	0	3,178	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	4,278,574	75,486	SH		SOLE	0	69,767	0	5,719
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	798,003	18,580	SH		SOLE	0	14,066	0	4,513
GLADSTONE LAND CORPORATION	REIT	376549101	257,393	18,802	SH		SOLE	0	18,598	0	203
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	261,862	2,373	SH		SOLE	0	2,373	0	0
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	460,315	2,522	SH		OTR	1	0	0	2,522
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	2,332,593	12,780	SH		SOLE	0	10,627	0	2,152
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	1,914,689	51,072	SH		SOLE	0	51,072	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,340,444	29,409	SH		SOLE	0	29,252	0	156
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	8,721,527	164,433	SH		SOLE	0	161,444	0	2,988
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	183,702	7,221	SH		SOLE	0	7,221	0	0
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	439,476	17,275	SH		OTR	1	0	0	17,275
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	5,388,369	69,295	SH		SOLE	0	64,712	0	4,582
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	1,151	11	SH		SOLE	0	11	0	0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	309,107	2,954	SH		OTR	1	0	0	2,954
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	1,807,622	36,503	SH		SOLE	0	36,502	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	421,740	1,562	SH		SOLE	0	1,561	0	1
VISA INC	Stock	92826C839	1,016,338	3,872	SH		SOLE	0	3,659	0	212
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	21,024,764	652,133	SH		SOLE	0	549,176	0	102,956
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	39,965	476	SH		OTR	1	0	0	476
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	245,102	2,919	SH		SOLE	0	2,919	0	0
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	15,292,988	601,612	SH		SOLE	0	528,637	0	72,974
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	301,570	4,799	SH		SOLE	0	4,799	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	227,183	908	SH		SOLE	0	908	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	443,731	1,774	SH		OTR	1	0	0	1,774
VANGUARD VALUE ETF	ETF	922908744	2,042,340	12,732	SH		OTR	1	0	0	12,732
VANGUARD VALUE ETF	ETF	922908744	18,689,980	116,514	SH		SOLE	0	91,997	0	24,516
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,464,997	3,917	SH		OTR	1	0	0	3,917
VANGUARD GROWTH INDEX FUND	ETF	922908736	46,476,993	124,267	SH		SOLE	0	115,687	0	8,579
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	3,215,286	142,458	SH		SOLE	0	140,583	0	1,875
PHILLIPS 66	Stock	718546104	226,949	1,608	SH		SOLE	0	1,602	0	5
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,230,414	10,359	SH		SOLE	0	9,759	0	599
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,592,514	51,124	SH		SOLE	0	45,975	0	5,148
FACEBOOK INC COMMON STOCK	Stock	30303M102	438,173	869	SH		SOLE	0	640	0	229
CAPITAL GROUP INTERNATIONAL FOCUS EQUITY ETF	ETF	14019W109	12,602,773	489,999	SH		SOLE	0	443,424	0	46,574
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	1,717,499	65,329	SH		SOLE	0	65,329	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	42,890,643	495,216	SH		SOLE	0	469,311	0	25,904
SERVICENOW INC	Stock	81762P102	302,868	385	SH		SOLE	0	382	0	3
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	1,193,304	21,501	SH		SOLE	0	19,140	0	2,360
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	901,502	17,064	SH		SOLE	0	15,171	0	1,892
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF	ETF	81589A106	992	30	SH		SOLE	0	30	0	0
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF	ETF	81589A106	1,185,768	35,878	SH		OTR	1	0	0	35,878
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF	ETF	81589A205	2,025	61	SH		SOLE	0	61	0	0
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF	ETF	81589A205	2,468,287	74,346	SH		OTR	1	0	0	74,346
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF	ETF	81589A304	1,931	62	SH		SOLE	0	62	0	0
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF	ETF	81589A304	2,425,105	77,850	SH		OTR	1	0	0	77,850
BROADCOM INC COM	Stock	11135F101	638,649	398	SH		SOLE	0	390	0	7
DIMENSIONAL INTERNATIONAL SUSTAINABILITY CORE 1 ETF	ETF	25434V690	833,406	25,301	SH		SOLE	0	23,116	0	2,184
DIMENSIONAL US SUSTAINABILITY CORE 1 ETF	ETF	25434V716	1,195,185	34,285	SH		SOLE	0	31,489	0	2,796
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	399,727	8,235	SH		OTR	1	0	0	8,235
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	617,901	12,730	SH		SOLE	0	7,936	0	4,793
DIMENSIONAL GLOBAL SUSTAINABILITY FIXED INCOME ETF	ETF	25434V674	534,663	10,463	SH		SOLE	0	9,506	0	957
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	584,058	8,645	SH		SOLE	0	8,523	0	122
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	725,697	9,990	SH		SOLE	0	9,990	0	0
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	811,897	11,177	SH		OTR	1	0	0	11,177
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	370,607	5,558	SH		SOLE	0	5,108	0	450
KINDER MORGAN INC	Stock	49456B101	743,001	37,393	SH		SOLE	0	36,583	0	810
ACCENTURE PLC	Stock	G1151C101	324,980	1,071	SH		SOLE	0	1,065	0	6
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,053,527	45,352	SH		OTR	1	0	0	45,352
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,157,112	49,811	SH		SOLE	0	49,128	0	683
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	336,513	6,005	SH		SOLE	0	6,004	0	0
NVIDIA CORPORATION	Stock	67066G104	2,323,482	18,808	SH		SOLE	0	14,802	0	4,004
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	4,182,224	233,383	SH		SOLE	0	198,373	0	35,009
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	3,413,238	88,946	SH		SOLE	0	80,123	0	8,822
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	478,468	7,542	SH		SOLE	0	4,550	0	2,991
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	224,552	4,195	SH		SOLE	0	4,194	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	363,897	6,798	SH		OTR	1	0	0	6,798
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	636,346	8,832	SH		OTR	1	0	0	8,832
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	20,860,322	289,526	SH		SOLE	0	268,332	0	21,193
VANGUARD FTSE ALL-WORLD EX-US ETF	ETF	922042775	523,371	8,925	SH		SOLE	0	8,925	0	0
SHARPLINK GAMING LTD SHS NEW	Stock	M8273L110	14,931	24,885	SH		SOLE	0	24,885	0	0
RUNNING OAK EFFICIENT GROWTH ETF	ETF	48817R870	2,384,035	78,098	SH		SOLE	0	73,354	0	4,744
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	160,406	611	SH		OTR	1	0	0	611
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	188,066	716	SH		SOLE	0	716	0	0
CHURCH & DWIGHT CO INC	Stock	171340102	422,657	4,077	SH		SOLE	0	4,071	0	5
GRACO INC COM	Stock	384109104	1,953,010	24,634	SH		SOLE	0	22,136	0	2,498
ROCKWELL AUTOMATION	Stock	773903109	353,133	1,283	SH		SOLE	0	1,279	0	3
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF	ETF	46654Q724	752,037	12,842	SH		SOLE	0	12,842	0	0
MCDONALD'S CORP	Stock	580135101	458,927	1,801	SH		SOLE	0	1,521	0	279
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	1,146,081	23,548	SH		OTR	1	0	0	23,548
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	2,072,938	42,592	SH		SOLE	0	41,786	0	805
ISHARES MSCI FRONTIER 100 ETF	ETF	464286145	1,705,553	62,110	SH		SOLE	0	54,772	0	7,338
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	8,676,962	107,017	SH		SOLE	0	97,084	0	9,933
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	19,115,215	244,910	SH		SOLE	0	225,307	0	19,602
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,824,956	61,491	SH		SOLE	0	60,873	0	618
ISHARES MSCI EMERGING MARKETS ASIA ETF	ETF	464286426	204,336	2,819	SH		SOLE	0	2,819	0	0
MATTHEWS PACIFIC TIGER ACTIVE ETF	ETF	577130578	365,247	13,607	SH		SOLE	0	9,576	0	4,030
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	3,159,402	67,552	SH		SOLE	0	58,430	0	9,121
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	719,342	7,892	SH		SOLE	0	7,722	0	168
SOLVENTUM CORP COM SHS	Stock	83444M101	291,580	5,514	SH		SOLE	0	5,469	0	45
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	77,568	1,233	SH		SOLE	0	1,233	0	0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	748,629	11,900	SH		OTR	1	0	0	11,900
ISHARES BIOTECHNOLOGY FUND	ETF	464287556	253,761	1,849	SH		SOLE	0	1,848	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	962,257	17,521	SH		SOLE	0	16,663	0	857
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	25,436,530	379,763	SH		SOLE	0	370,773	0	8,989
GENERAL ELECTRIC COMPANY	Stock	369604301	210,434	1,324	SH		SOLE	0	1,301	0	22
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	11,374,801	66,613	SH		SOLE	0	60,942	0	5,670
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	242,734	1,890	SH		SOLE	0	1,890	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	275,325	1,413	SH		SOLE	0	1,412	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	5,526,950	36,724	SH		SOLE	0	32,859	0	3,864
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY INDEX ETF	ETF	808524748	206,313	5,935	SH		SOLE	0	5,935	0	0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,379,070	46,637	SH		SOLE	0	35,349	0	11,287
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	8,346,497	238,267	SH		SOLE	0	204,085	0	34,181
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	812,803	9,353	SH		SOLE	0	9,153	0	200
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	342,276	6,212	SH		SOLE	0	6,211	0	0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF	ETF	74348A467	275,538	2,866	SH		SOLE	0	2,866	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	26,874,792	147,656	SH		SOLE	0	128,629	0	19,025
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	394,951	3,957	SH		SOLE	0	3,957	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	283,820	3,067	SH		OTR	1	0	0	3,067
ISHARES S&P 500 GROWTH ETF	ETF	464287309	23,466,311	253,580	SH		SOLE	0	223,623	0	29,956
ISHARES CORE S&P 500 ETF	ETF	464287200	2,954,290	5,399	SH		SOLE	0	5,147	0	250
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	ETF	808524672	1,232,825	52,305	SH		SOLE	0	43,099	0	9,205
WELLS FARGO & CO	Stock	949746101	547,634	9,221	SH		SOLE	0	6,305	0	2,915
ECOLAB INC	Stock	278865100	777,429	3,267	SH		SOLE	0	3,261	0	5
ISHARES MBS ETF	ETF	464288588	91,750	999	SH		SOLE	0	987	0	12
ISHARES MBS ETF	ETF	464288588	697,940	7,602	SH		OTR	1	0	0	7,602
SALESFORCE.COM INC	Stock	79466L302	206,364	803	SH		SOLE	0	604	0	198
IDEXX LABORATORIES INC	Stock	45168D104	371,734	763	SH		SOLE	0	762	0	1
VANGUARD MID-CAP VALUE ETF	ETF	922908512	951,747	6,327	SH		SOLE	0	4,058	0	2,268
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	314,345	3,326	SH		SOLE	0	3,326	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,161,529	2,487	SH		SOLE	0	2,451	0	35
JPMORGAN CHASE & CO	Stock	46625H100	994,834	4,919	SH		SOLE	0	4,873	0	45
CHEVRON CORPORATION	Stock	166764100	322,426	2,061	SH		SOLE	0	1,641	0	420
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	186,569	1,751	SH		SOLE	0	1,751	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	889,906	8,352	SH		OTR	1	0	0	8,352
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	7,589,034	153,562	SH		OTR	1	0	0	153,562
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	15,850,480	320,730	SH		SOLE	0	295,562	0	25,168
BANK OF AMERICA CORP	Stock	060505104	476,521	11,982	SH		SOLE	0	11,196	0	785
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	276,087	28,492	SH		SOLE	0	28,492	0	0
WALMART INC	Stock	931142103	239,052	3,531	SH		SOLE	0	3,476	0	54
IBM CORP	Stock	459200101	974,208	5,633	SH		SOLE	0	5,471	0	161
ORACLE CORPORATION	Stock	68389X105	462,300	3,274	SH		SOLE	0	3,254	0	20
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	1,078,350	10,742	SH		SOLE	0	10,473	0	268
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,818,713	64,413	SH		OTR	1	0	0	64,413
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	7,173,160	163,920	SH		SOLE	0	150,738	0	13,182
TEXAS INSTRUMENTS INCORPORATED	Stock	882508104	271,204	1,394	SH		SOLE	0	1,380	0	14
TARGET CORPORATION	Stock	87612E106	1,125,563	7,414	SH		SOLE	0	7,022	0	390
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,610,912	13,583	SH		SOLE	0	13,582	0	0
PFIZER INC	Stock	717081103	262,060	9,366	SH		SOLE	0	9,285	0	80
3M CO	Stock	88579Y101	1,487,642	14,558	SH		SOLE	0	14,359	0	198
CATERPILLAR INC	Stock	149123101	864,349	2,595	SH		SOLE	0	2,489	0	105
ALPHABET INC CLASS C	Stock	02079K107	1,013,865	5,528	SH		SOLE	0	4,926	0	600
APPLIED MATERIALS INC	Stock	038222105	601,475	2,549	SH		SOLE	0	2,535	0	13
ALLY FINL INC COM	Stock	02005N100	265,749	6,699	SH		SOLE	0	6,689	0	10
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	574,144	2,802	SH		SOLE	0	2,372	0	429
WILLIAMS COS INC COM	Stock	969457100	515,433	12,128	SH		SOLE	0	12,122	0	5
MAIN STR CAP CORP COM	CEF	56035L104	764,614	15,144	SH		SOLE	0	15,143	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	1,949,633	15,294	SH		SOLE	0	15,293	0	0
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	1,832,383	20,792	SH		SOLE	0	20,791	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	18,152,469	99,438	SH		SOLE	0	89,874	0	9,564
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	2,978,577	48,322	SH		SOLE	0	42,253	0	6,069
ABERDEEN ASIA PACIFIC INCOME FUND, INC	CEF	003009107	49,308	18,398	SH		SOLE	0	12,306	0	6,091
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	2,097,030	22,848	SH		SOLE	0	20,233	0	2,614
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	5,099,655	49,082	SH		SOLE	0	43,641	0	5,440
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	2,078,749	75,756	SH		SOLE	0	53,024	0	22,731
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	802,232	8,247	SH		SOLE	0	3,070	0	5,177
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	257,314	2,920	SH		SOLE	0	2,920	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	928,165	20,526	SH		SOLE	0	20,525	0	0
CH ROBINSON WORLDWIDE INC	Stock	12541W209	432,669	4,910	SH		SOLE	0	4,910	0	0
DELTA AIR LINES INC	Stock	247361702	247,025	5,207	SH		SOLE	0	2,894	0	2,312
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288620	70,394	1,402	SH		SOLE	0	1,378	0	24
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288620	700,229	13,946	SH		OTR	1	0	0	13,946
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	15,474,274	201,751	SH		SOLE	0	180,550	0	21,200
NORTHERN OIL & GAS, INC	Stock	665531307	2,269,191	61,049	SH		SOLE	0	61,049	0	0
PHILIP MORRIS INTERNATIONAL INC	Stock	718172109	232,408	2,294	SH		SOLE	0	1,573	0	720
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	1,360,525	37,112	SH		SOLE	0	33,831	0	3,280
ISHARES RUSSELL 3000 ETF	ETF	464287689	2,572,660	8,335	SH		SOLE	0	7,763	0	571
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	66,448	751	SH		OTR	1	0	0	751
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,113,761	23,890	SH		SOLE	0	23,428	0	461
EXXON MOBIL CORPORATION	Stock	30231G102	1,329,433	11,548	SH		SOLE	0	10,208	0	1,340
UNITEDHEALTH GROUP INC	Stock	91324P102	2,243,748	4,406	SH		SOLE	0	2,916	0	1,489
TRAVELERS COMPANIES INC	Stock	89417E109	203,393	1,000	SH		SOLE	0	998	0	2
ISHARES EXPONENTIAL TECHNOLOGIES ETF	ETF	46434V381	637,764	10,841	SH		SOLE	0	10,321	0	519
LOWE'S COMPANIES INC	Stock	548661107	306,983	1,392	SH		SOLE	0	1,244	0	148
DEERE & COMPANY	Stock	244199105	801,787	2,146	SH		SOLE	0	2,087	0	58
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,359,698	20,502	SH		SOLE	0	18,500	0	2,001
VODAFONE GROUP PLC	ADR	92857W308	171,036	19,283	SH		SOLE	0	16,240	0	3,041
NOVO-NORDISK A S ADR	ADR	670100205	550,798	3,859	SH		SOLE	0	3,858	0	0
CBRE GROUP INC	Stock	12504L109	265,370	2,978	SH		SOLE	0	2,973	0	5
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	8,321,613	142,201	SH		SOLE	0	130,361	0	11,839
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	426,536	8,512	SH		SOLE	0	8,512	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	961,561	19,189	SH		OTR	1	0	0	19,189
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,269,911	75,588	SH		SOLE	0	66,972	0	8,615
ISHARES MSCI EAFE ETF	ETF	464287465	1,655,552	21,136	SH		SOLE	0	18,003	0	3,132
APPLE INC	Stock	037833100	1,215,277	5,770	SH		OTR	1	0	0	5,770
APPLE INC	Stock	037833100	16,024,731	76,084	SH		SOLE	0	67,548	0	8,534
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	787,651	6,993	SH		SOLE	0	6,993	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	1,955,076	6,571	SH		SOLE	0	6,570	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	1,420,235	8,140	SH		SOLE	0	3,793	0	4,347