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	43,788	235	SH		OTR	1	0	0	235
AMAZON.COM INC	Stock	023135106	2,377,740	12,761	SH		SOLE	0	10,278	0	2,482
ISHARES MORNINGSTAR MID-CAP VALUE ETF	ETF	464288406	325,296	4,244	SH		SOLE	0	4,244	0	0
INVESCO QQQ	ETF	46090E103	929,494	1,904	SH		SOLE	0	1,816	0	88
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	2,904,036	111,095	SH		SOLE	0	111,095	0	0
JOHNSON & JOHNSON	Stock	478160104	43,432	268	SH		OTR	1	0	0	268
JOHNSON & JOHNSON	Stock	478160104	611,036	3,770	SH		SOLE	0	3,141	0	629
SEAGATE TECHNOLOGY PLC	Stock	G7997R103	294,745	2,691	SH		SOLE	0	2,576	0	115
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	2,433,846	8,595	SH		SOLE	0	3,743	0	4,852
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	2,041,051	40,642	SH		SOLE	0	40,217	0	425
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF	ETF	921946810	2,350,908	26,630	SH		SOLE	0	25,355	0	1,274
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	482,278	6,569	SH		SOLE	0	4,606	0	1,962
COSTCO WHOLESALE CORPORATION	Stock	22160K105	916,999	1,034	SH		SOLE	0	923	0	111
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	252,073	2,253	SH		SOLE	0	1,734	0	519
SENSEONICS HLDGS INC COM	Stock	81727U105	6,382	18,249	SH		SOLE	0	15,416	0	2,832
TOYOTA MOTOR CORP SP ADR REP2COM	ADR	892331307	224,499	1,257	SH		SOLE	0	1,257	0	0
PROCTER & GAMBLE CO	Stock	742718109	7,621	44	SH		OTR	1	0	0	44
PROCTER & GAMBLE CO	Stock	742718109	400,983	2,315	SH		SOLE	0	1,801	0	513
VANGUARD REAL ESTATE ETF	ETF	922908553	3,038,951	31,194	SH		SOLE	0	27,841	0	3,352
ISHARES MSCI ACWI EX US ETF	ETF	464288240	621,353	10,859	SH		SOLE	0	10,859	0	0
MEDTRONIC PLC	Stock	G5960L103	197,616	2,195	SH		OTR	1	0	0	2,195
MEDTRONIC PLC	Stock	G5960L103	295,776	3,285	SH		SOLE	0	3,215	0	70
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	402,451	5,100	SH		SOLE	0	4,720	0	379
ISHARES TREASURY FLOATING RATE BOND ETF	ETF	46434V860	3,097,921	61,224	SH		SOLE	0	60,983	0	240
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,431,741	41,049	SH		SOLE	0	39,214	0	1,834
MERCK & CO INC	Stock	58933Y105	5,110	45	SH		OTR	1	0	0	45
MERCK & CO INC	Stock	58933Y105	277,194	2,441	SH		SOLE	0	1,940	0	500
SPDR S&P 500 ETF	ETF	78462F103	3,248,957	5,663	SH		SOLE	0	5,662	0	0
MASTERCARD INC	Stock	57636Q104	63,700	129	SH		OTR	1	0	0	129
MASTERCARD INC	Stock	57636Q104	1,531,393	3,101	SH		SOLE	0	2,911	0	190
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	454,088	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	264,639	25,180	SH		SOLE	0	21,378	0	3,801
PACER US CASH COWS 100 ETF	ETF	69374H881	622,722	10,768	SH		SOLE	0	10,768	0	0
VERIZON COMMUNICATIONS INC	Stock	92343V104	6,826	152	SH		OTR	1	0	0	152
VERIZON COMMUNICATIONS INC	Stock	92343V104	219,793	4,894	SH		SOLE	0	3,648	0	1,245
ISHARES COHEN & STEERS REIT ETF	ETF	464287564	206,516	3,133	SH		SOLE	0	3,133	0	0
PEPSICO INC	Stock	713448108	35,881	211	SH		OTR	1	0	0	211
PEPSICO INC	Stock	713448108	215,460	1,267	SH		SOLE	0	1,019	0	248
WISDOMTREE INTERNATIONAL QUALITY DIVIDEND GROWTH FUND	ETF	97717X131	299,237	7,643	SH		SOLE	0	7,460	0	183
HONEYWELL INTERNATIONAL INC	Stock	438516106	5,995	29	SH		OTR	1	0	0	29
HONEYWELL INTERNATIONAL INC	Stock	438516106	850,703	4,115	SH		SOLE	0	4,014	0	101
FORD MOTOR COMPANY	Stock	345370860	352,196	33,352	SH		SOLE	0	29,700	0	3,651
US BANCORP	Stock	902973304	851,298	18,616	SH		SOLE	0	18,155	0	460
XCEL ENERGY INC	Stock	98389B100	653,232	10,004	SH		SOLE	0	9,898	0	105
HOME DEPOT INC	Stock	437076102	6,888	17	SH		OTR	1	0	0	17
HOME DEPOT INC	Stock	437076102	693,857	1,712	SH		SOLE	0	1,345	0	366
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	715,318	34,996	SH		OTR	1	0	0	34,996
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	128,618	771	SH		OTR	1	0	0	771
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	304,728	1,827	SH		SOLE	0	1,826	0	0
BECTON DICKINSON AND CO	Stock	075887109	23,387	97	SH		OTR	1	0	0	97
BECTON DICKINSON AND CO	Stock	075887109	355,482	1,474	SH		SOLE	0	1,410	0	64
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,760,159	34,178	SH		SOLE	0	24,803	0	9,374
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,274,086	44,157	SH		OTR	1	0	0	44,157
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	307,011	4,615	SH		SOLE	0	4,411	0	204
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	3,217,819	78,254	SH		SOLE	0	75,377	0	2,877
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,282,745	63,121	SH		SOLE	0	54,883	0	8,237
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	5,576,117	82,183	SH		OTR	1	0	0	82,183
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,374,863	13,197	SH		OTR	1	0	0	13,197
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	5,298,105	50,855	SH		SOLE	0	48,512	0	2,343
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	962,872	9,563	SH		SOLE	0	8,771	0	791
FIRST TRUST MID CAP CORE ALPHADEX FUND	ETF	33735B108	235,462	2,010	SH		SOLE	0	2,009	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,113,262	26,618	SH		SOLE	0	26,583	0	34
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	19,037,082	41,362	SH		SOLE	0	38,549	0	2,812
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	17,950	39	SH		OTR	1	0	0	39
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	986,031	33,791	SH		SOLE	0	26,599	0	7,191
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF	ETF	46435G326	78,621	1,110	SH		SOLE	0	1,110	0	0
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF	ETF	46435G326	710,921	10,037	SH		OTR	1	0	0	10,037
ADOBE INC	Stock	00724F101	27,960	54	SH		OTR	1	0	0	54
ADOBE INC	Stock	00724F101	295,548	571	SH		SOLE	0	474	0	96
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	157,724	2,972	SH		SOLE	0	2,972	0	0
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	393,355	7,412	SH		OTR	1	0	0	7,412
ALPHABET INC CLASS A	Stock	02079K305	106,973	645	SH		OTR	1	0	0	645
ALPHABET INC CLASS A	Stock	02079K305	608,683	3,670	SH		SOLE	0	1,333	0	2,337
NEWMONT CORPORATION	Stock	651639106	291,522	5,454	SH		SOLE	0	5,241	0	212
MICROSOFT CORPORATION	Stock	594918104	161,363	375	SH		OTR	1	0	0	375
MICROSOFT CORPORATION	Stock	594918104	4,980,077	11,573	SH		SOLE	0	9,134	0	2,438
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	1,223,778	12,039	SH		SOLE	0	12,039	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	1,974,782	8,325	SH		SOLE	0	8,203	0	121
VANGUARD MID-CAP ETF	ETF	922908629	6,701,464	25,401	SH		SOLE	0	25,344	0	56
VANGUARD LARGE CAP ETF	ETF	922908637	1,053,341	4,001	SH		SOLE	0	3,956	0	44
NEXTERA ENERGY INC	Stock	65339F101	558,805	6,611	SH		SOLE	0	3,093	0	3,517
TESLA INC	Stock	88160R101	2,616	10	SH		OTR	1	0	0	10
TESLA INC	Stock	88160R101	416,515	1,592	SH		SOLE	0	568	0	1,024
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	23,470	924	SH		SOLE	0	924	0	0
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	571,576	22,503	SH		OTR	1	0	0	22,503
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	236,769	4,834	SH		OTR	1	0	0	4,834
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	436,342	8,909	SH		SOLE	0	8,908	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	207,560	354	SH		SOLE	0	353	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	775,731	9,652	SH		OTR	1	0	0	9,652
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	3,996,050	49,721	SH		SOLE	0	48,760	0	960
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND	ETF	72201R866	346,171	6,534	SH		SOLE	0	6,534	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	285,942	5,332	SH		SOLE	0	5,331	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	1,452,086	27,076	SH		OTR	1	0	0	27,076
ROYAL CARIBBEAN CRUISES LTD	Stock	V7780T103	2,660	15	SH		OTR	1	0	0	15
ROYAL CARIBBEAN CRUISES LTD	Stock	V7780T103	1,506,318	8,493	SH		SOLE	0	8,344	0	149
WELLTOWER INC COM	REIT	95040Q104	233,229	1,822	SH		SOLE	0	349	0	1,472
LEVI STRAUSS & CO NEW CL A COM STK	Stock	52736R102	336,701	15,445	SH		SOLE	0	15,445	0	0
VANGUARD S&P 500 ETF	ETF	922908363	1,329,394	2,519	SH		SOLE	0	2,487	0	32
JPMORGAN MUNICIPAL ETF	ETF	46641Q647	267,106	5,210	SH		SOLE	0	5,209	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	853,160	4,762	SH		OTR	1	0	0	4,762
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,851,006	10,332	SH		SOLE	0	10,331	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	2,473,689	22,979	SH		SOLE	0	22,700	0	278
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,362,928	42,105	SH		SOLE	0	39,145	0	2,959
LILLY ELI & CO COM	Stock	532457108	9,745	11	SH		OTR	1	0	0	11
LILLY ELI & CO COM	Stock	532457108	209,082	236	SH		SOLE	0	50	0	186
EDAP TMS SA	ADR	268311107	344,148	134,960	SH		SOLE	0	134,960	0	0
AIR PRODUCTS & CHEMICALS INC	Stock	009158106	572,016	1,921	SH		SOLE	0	1,877	0	44
SCHWAB U.S. REIT ETF	ETF	808524847	600,317	25,909	SH		SOLE	0	18,172	0	7,736
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	025072877	527,430	5,497	SH		SOLE	0	5,496	0	0
SCHWAB U.S. MID-CAP ETF	ETF	808524508	1,644,359	19,790	SH		SOLE	0	18,713	0	1,076
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	449,716	6,946	SH		SOLE	0	6,875	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	1,251,689	25,230	SH		SOLE	0	25,230	0	0
PIMCO CORPORATE & INCOME OPPOR COM	CEF	72201B101	1,258,612	87,464	SH		SOLE	0	85,951	0	1,512
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,973,521	8,934	SH		SOLE	0	8,934	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	3,890,911	33,081	SH		SOLE	0	27,265	0	5,815
VERTIV HOLDINGS CO COM CL A	Stock	92537N108	313,592	3,152	SH		SOLE	0	3,152	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	515,060	3,442	SH		SOLE	0	3,231	0	210
VANGUARD S&P SMALL-CAP 600 VALUE ETF	ETF	921932778	295,538	3,196	SH		SOLE	0	3,196	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	4,940,185	83,014	SH		SOLE	0	77,101	0	5,912
TORTOISE MIDSTRM ENERGY FD INC COM	CEF	89148B200	858,809	18,069	SH		SOLE	0	13,857	0	4,211
GLADSTONE LAND CORPORATION	REIT	376549101	252,915	18,195	SH		SOLE	0	17,990	0	205
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	278,528	2,375	SH		SOLE	0	2,374	0	0
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	406,780	2,026	SH		OTR	1	0	0	2,026
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	2,559,977	12,750	SH		SOLE	0	10,597	0	2,152
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	2,119,605	53,404	SH		SOLE	0	53,404	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,397,849	29,416	SH		SOLE	0	29,260	0	156
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	4,755,095	82,654	SH		SOLE	0	82,144	0	509
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	219,696	8,363	SH		SOLE	0	8,363	0	0
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	333,997	12,714	SH		OTR	1	0	0	12,714
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	6,265,298	74,119	SH		SOLE	0	66,926	0	7,192
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	318,279	2,779	SH		OTR	1	0	0	2,779
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	1,767,607	35,395	SH		SOLE	0	35,394	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	453,269	1,558	SH		SOLE	0	1,545	0	13
VISA INC	Stock	92826C839	13,473	49	SH		OTR	1	0	0	49
VISA INC	Stock	92826C839	1,103,447	4,013	SH		SOLE	0	3,515	0	497
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	23,508,817	685,588	SH		SOLE	0	583,209	0	102,378
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	71,770	786	SH		OTR	1	0	0	786
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	271,006	2,968	SH		SOLE	0	2,967	0	0
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	17,610,172	651,987	SH		SOLE	0	576,855	0	75,131
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	324,689	4,932	SH		SOLE	0	4,932	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	311,243	1,164	SH		SOLE	0	1,164	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	370,040	1,384	SH		OTR	1	0	0	1,384
VANGUARD VALUE ETF	ETF	922908744	1,834,556	10,509	SH		OTR	1	0	0	10,509
VANGUARD VALUE ETF	ETF	922908744	21,163,742	121,234	SH		SOLE	0	96,770	0	24,463
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,109,558	2,890	SH		OTR	1	0	0	2,890
VANGUARD GROWTH INDEX FUND	ETF	922908736	53,077,362	138,247	SH		SOLE	0	129,392	0	8,854
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	591,523	25,225	SH		SOLE	0	24,923	0	300
PHILLIPS 66	Stock	718546104	227,920	1,734	SH		SOLE	0	1,585	0	148
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,302,953	10,372	SH		SOLE	0	9,770	0	601
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,824,666	52,907	SH		SOLE	0	46,164	0	6,742
FACEBOOK INC COMMON STOCK	Stock	30303M102	13,739	24	SH		OTR	1	0	0	24
FACEBOOK INC COMMON STOCK	Stock	30303M102	581,342	1,016	SH		SOLE	0	322	0	693
CAPITAL GROUP INTERNATIONAL FOCUS EQUITY ETF	ETF	14019W109	13,844,367	513,325	SH		SOLE	0	466,454	0	46,870
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	1,838,358	65,329	SH		SOLE	0	65,329	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	44,162,855	455,522	SH		SOLE	0	430,944	0	24,578
SERVICENOW INC	Stock	81762P102	6,261	7	SH		OTR	1	0	0	7
SERVICENOW INC	Stock	81762P102	354,178	396	SH		SOLE	0	341	0	55
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	1,234,911	22,482	SH		SOLE	0	20,057	0	2,423
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	1,007,694	17,088	SH		SOLE	0	15,178	0	1,909
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF	ETF	81589A106	1,252,426	35,917	SH		OTR	1	0	0	35,917
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF	ETF	81589A205	2,649,727	73,359	SH		OTR	1	0	0	73,359
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF	ETF	81589A304	2,557,941	77,631	SH		OTR	1	0	0	77,631
BROADCOM INC COM	Stock	11135F101	13,455	78	SH		OTR	1	0	0	78
BROADCOM INC COM	Stock	11135F101	672,445	3,898	SH		SOLE	0	2,934	0	963
DIMENSIONAL INTERNATIONAL SUSTAINABILITY CORE 1 ETF	ETF	25434V690	905,944	25,352	SH		SOLE	0	23,167	0	2,184
DIMENSIONAL US SUSTAINABILITY CORE 1 ETF	ETF	25434V716	1,268,598	34,120	SH		SOLE	0	31,324	0	2,796
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	390,634	7,922	SH		OTR	1	0	0	7,922
DIMENSIONAL GLOBAL SUSTAINABILITY FIXED INCOME ETF	ETF	25434V674	557,760	10,490	SH		SOLE	0	9,533	0	957
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	608,568	8,379	SH		SOLE	0	8,257	0	122
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	768,350	9,844	SH		SOLE	0	9,844	0	0
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	804,071	10,302	SH		OTR	1	0	0	10,302
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	343,068	5,309	SH		SOLE	0	4,859	0	450
KINDER MORGAN INC	Stock	49456B101	789,306	35,731	SH		SOLE	0	34,007	0	1,724
ACCENTURE PLC	Stock	G1151C101	6,009	17	SH		OTR	1	0	0	17
ACCENTURE PLC	Stock	G1151C101	388,895	1,100	SH		SOLE	0	975	0	125
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,108,585	46,095	SH		OTR	1	0	0	46,095
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	401,963	6,788	SH		SOLE	0	6,787	0	0
NVIDIA CORPORATION	Stock	67066G104	29,146	240	SH		OTR	1	0	0	240
NVIDIA CORPORATION	Stock	67066G104	2,309,730	19,020	SH		SOLE	0	9,899	0	9,119
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	600,851	11,410	SH		OTR	1	0	0	11,410
S&P GLOBAL INC	Stock	78409V104	206,131	399	SH		SOLE	0	325	0	74
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	4,625,685	233,855	SH		SOLE	0	198,487	0	35,367
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	3,828,744	92,393	SH		SOLE	0	82,611	0	9,781
WISDOMTREE INTERNATIONAL MIDCAP DIVIDEND FUND	ETF	97717W778	204,360	3,080	SH		SOLE	0	2,694	0	385
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	528,360	7,652	SH		SOLE	0	4,660	0	2,991
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	335,210	5,839	SH		SOLE	0	5,838	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	755,056	13,152	SH		OTR	1	0	0	13,152
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	272,499	3,628	SH		OTR	1	0	0	3,628
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	23,616,787	314,429	SH		SOLE	0	292,897	0	21,532
SHARPLINK GAMING LTD SHS NEW	Stock	M8273L110	18,440	24,885	SH		SOLE	0	24,885	0	0
RUNNING OAK EFFICIENT GROWTH ETF	ETF	48817R870	3,168,429	94,778	SH		SOLE	0	83,582	0	11,196
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	124,392	438	SH		OTR	1	0	0	438
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	205,718	724	SH		SOLE	0	724	0	0
CHURCH & DWIGHT CO INC	Stock	171340102	427,420	4,082	SH		SOLE	0	4,026	0	55
GRACO INC COM	Stock	384109104	25,728	294	SH		OTR	1	0	0	294
GRACO INC COM	Stock	384109104	2,156,455	24,642	SH		SOLE	0	22,136	0	2,506
ROCKWELL AUTOMATION	Stock	773903109	1,611	6	SH		OTR	1	0	0	6
ROCKWELL AUTOMATION	Stock	773903109	342,505	1,276	SH		SOLE	0	1,262	0	13
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF	ETF	46654Q724	1,237,875	20,247	SH		SOLE	0	20,246	0	0
MCDONALD'S CORP	Stock	580135101	7,917	26	SH		OTR	1	0	0	26
MCDONALD'S CORP	Stock	580135101	555,765	1,825	SH		SOLE	0	1,403	0	422
SIMPLIFY MBS ETF	ETF	82889N525	735,907	14,295	SH		OTR	1	0	0	14,295
CISCO SYSTEMS INC	Stock	17275R102	243,253	4,571	SH		SOLE	0	3,458	0	1,112
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	35,561	707	SH		SOLE	0	707	0	0
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	1,199,781	23,862	SH		OTR	1	0	0	23,862
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	2,341,458	26,565	SH		SOLE	0	26,565	0	0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	19,048,314	228,919	SH		SOLE	0	210,370	0	18,547
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	2,147,387	67,418	SH		SOLE	0	66,799	0	618
ISHARES MSCI EMERGING MARKETS ASIA ETF	ETF	464286426	218,613	2,790	SH		SOLE	0	2,790	0	0
MATTHEWS PACIFIC TIGER ACTIVE ETF	ETF	577130578	890,202	31,555	SH		SOLE	0	26,549	0	5,005
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	3,548,649	69,405	SH		SOLE	0	60,010	0	9,394
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	608,293	6,928	SH		SOLE	0	6,757	0	170
SOLVENTUM CORP COM SHS	Stock	83444M101	379,904	5,449	SH		SOLE	0	5,425	0	24
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	67,034	1,010	SH		SOLE	0	1,010	0	0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	646,908	9,747	SH		OTR	1	0	0	9,747
ISHARES BIOTECHNOLOGY FUND	ETF	464287556	235,814	1,620	SH		SOLE	0	1,619	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	1,123,735	18,864	SH		SOLE	0	17,826	0	1,037
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	23,036,471	321,021	SH		SOLE	0	313,329	0	7,691
GENERAL ELECTRIC COMPANY	Stock	369604301	19,424	103	SH		OTR	1	0	0	103
GENERAL ELECTRIC COMPANY	Stock	369604301	252,173	1,337	SH		SOLE	0	1,075	0	262
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	17,236,535	96,132	SH		SOLE	0	89,534	0	6,598
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	263,988	1,893	SH		SOLE	0	1,892	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	287,095	1,416	SH		SOLE	0	1,415	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	8,876,530	58,545	SH		SOLE	0	54,094	0	4,450
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY INDEX ETF	ETF	808524748	227,990	5,976	SH		SOLE	0	5,976	0	0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,509,929	46,790	SH		SOLE	0	35,502	0	11,287
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	9,108,295	243,731	SH		SOLE	0	209,336	0	34,394
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	807,751	9,038	SH		SOLE	0	8,863	0	175
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	289,739	5,077	SH		SOLE	0	5,076	0	0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF	ETF	74348A467	307,763	2,883	SH		SOLE	0	2,882	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	29,440,035	149,313	SH		SOLE	0	130,283	0	19,029
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	440,091	3,954	SH		SOLE	0	3,954	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	293,665	3,067	SH		OTR	1	0	0	3,067
ISHARES S&P 500 GROWTH ETF	ETF	464287309	24,048,121	251,155	SH		SOLE	0	221,237	0	29,917
ISHARES CORE S&P 500 ETF	ETF	464287200	2,911,919	5,048	SH		SOLE	0	4,796	0	251
CIGNA CORP	Stock	125523100	378,501	1,093	SH		SOLE	0	1,028	0	64
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	ETF	808524672	1,487,331	56,833	SH		SOLE	0	46,370	0	10,463
WELLS FARGO & CO	Stock	949746101	4,406	78	SH		OTR	1	0	0	78
WELLS FARGO & CO	Stock	949746101	520,603	9,216	SH		SOLE	0	5,802	0	3,413
ECOLAB INC	Stock	278865100	12,511	49	SH		OTR	1	0	0	49
ECOLAB INC	Stock	278865100	889,938	3,485	SH		SOLE	0	3,433	0	52
ISHARES MBS ETF	ETF	464288588	95,577	998	SH		SOLE	0	985	0	12
ISHARES MBS ETF	ETF	464288588	112,289	1,172	SH		OTR	1	0	0	1,172
SALESFORCE.COM INC	Stock	79466L302	4,653	17	SH		OTR	1	0	0	17
SALESFORCE.COM INC	Stock	79466L302	273,283	998	SH		SOLE	0	608	0	389
IDEXX LABORATORIES INC	Stock	45168D104	382,957	758	SH		SOLE	0	733	0	25
VANGUARD MID-CAP VALUE ETF	ETF	922908512	1,094,759	6,529	SH		SOLE	0	4,260	0	2,268
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	528,671	5,167	SH		SOLE	0	5,166	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,397,399	2,391	SH		SOLE	0	2,320	0	70
JPMORGAN CHASE & CO	Stock	46625H100	32,683	155	SH		OTR	1	0	0	155
JPMORGAN CHASE & CO	Stock	46625H100	1,123,742	5,329	SH		SOLE	0	4,688	0	641
CHEVRON CORPORATION	Stock	166764100	293,496	1,993	SH		SOLE	0	1,297	0	695
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	225,190	2,073	SH		SOLE	0	2,073	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	908,690	8,365	SH		OTR	1	0	0	8,365
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	7,961,900	150,765	SH		OTR	1	0	0	150,765
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	18,940,552	358,655	SH		SOLE	0	337,380	0	21,274
BANK OF AMERICA CORP	Stock	060505104	10,912	275	SH		OTR	1	0	0	275
BANK OF AMERICA CORP	Stock	060505104	474,408	11,956	SH		SOLE	0	10,335	0	1,620
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	286,630	28,492	SH		SOLE	0	28,492	0	0
WALMART INC	Stock	931142103	6,541	81	SH		OTR	1	0	0	81
WALMART INC	Stock	931142103	290,724	3,600	SH		SOLE	0	2,679	0	921
IBM CORP	Stock	459200101	1,168,653	5,286	SH		SOLE	0	4,920	0	365
ORACLE CORPORATION	Stock	68389X105	47,542	279	SH		OTR	1	0	0	279
ORACLE CORPORATION	Stock	68389X105	568,551	3,337	SH		SOLE	0	3,028	0	308
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	1,039,882	8,583	SH		SOLE	0	7,999	0	583
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,516,488	52,591	SH		SOLE	0	52,591	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	3,057,998	63,908	SH		OTR	1	0	0	63,908
TEXAS INSTRUMENTS INCORPORATED	Stock	882508104	4,338	21	SH		OTR	1	0	0	21
TEXAS INSTRUMENTS INCORPORATED	Stock	882508104	293,790	1,422	SH		SOLE	0	1,240	0	182
TARGET CORPORATION	Stock	87612E106	12,313	79	SH		OTR	1	0	0	79
TARGET CORPORATION	Stock	87612E106	1,184,920	7,411	SH		SOLE	0	6,923	0	487
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,701,170	13,270	SH		SOLE	0	13,269	0	0
PFIZER INC	Stock	717081103	275,726	9,528	SH		SOLE	0	8,277	0	1,250
3M CO	Stock	88579Y101	5,195	38	SH		OTR	1	0	0	38
3M CO	Stock	88579Y101	1,929,892	14,118	SH		SOLE	0	13,816	0	301
CATERPILLAR INC	Stock	149123101	1,003,542	2,566	SH		SOLE	0	2,357	0	208
ALPHABET INC CLASS C	Stock	02079K107	5,183	31	SH		OTR	1	0	0	31
ALPHABET INC CLASS C	Stock	02079K107	926,450	5,541	SH		SOLE	0	4,939	0	601
APPLIED MATERIALS INC	Stock	038222105	14,750	73	SH		OTR	1	0	0	73
APPLIED MATERIALS INC	Stock	038222105	503,957	2,494	SH		SOLE	0	2,283	0	211
ALLY FINL INC COM	Stock	02005N100	211,761	5,950	SH		SOLE	0	5,875	0	75
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	623,738	2,945	SH		SOLE	0	2,515	0	429
WILLIAMS COS INC COM	Stock	969457100	514,187	11,264	SH		SOLE	0	11,073	0	190
MAIN STR CAP CORP COM	CEF	56035L104	695,248	13,866	SH		SOLE	0	13,866	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	2,151,625	16,311	SH		SOLE	0	16,311	0	0
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	2,025,668	21,213	SH		SOLE	0	21,213	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	18,758,851	94,713	SH		SOLE	0	85,453	0	9,258
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	211,555	2,089	SH		SOLE	0	1,609	0	479
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	3,636,298	37,067	SH		SOLE	0	34,155	0	2,911
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	5,537,123	48,351	SH		SOLE	0	42,906	0	5,444
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	2,642,867	75,424	SH		SOLE	0	53,084	0	22,340
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	877,972	8,155	SH		SOLE	0	2,978	0	5,177
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	300,552	3,269	SH		SOLE	0	3,269	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	988,543	20,978	SH		SOLE	0	20,544	0	433
ETFMG PRIME CYBER SECURITY ETF	ETF	032108664	546,307	8,001	SH		SOLE	0	8,000	0	0
CH ROBINSON WORLDWIDE INC	Stock	12541W209	541,917	4,910	SH		SOLE	0	4,890	0	20
DELTA AIR LINES INC	Stock	247361702	262,490	5,163	SH		SOLE	0	3,217	0	1,946
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288620	72,298	1,375	SH		SOLE	0	1,351	0	24
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288620	133,606	2,541	SH		OTR	1	0	0	2,541
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	305,002	3,876	SH		OTR	1	0	0	3,876
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	16,340,067	207,651	SH		SOLE	0	186,286	0	21,364
NORTHERN OIL & GAS, INC	Stock	665531307	2,090,146	59,027	SH		SOLE	0	59,022	0	5
PHILIP MORRIS INTERNATIONAL INC	Stock	718172109	10,683	88	SH		OTR	1	0	0	88
PHILIP MORRIS INTERNATIONAL INC	Stock	718172109	359,403	2,960	SH		SOLE	0	1,960	0	1,000
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	1,300,654	34,500	SH		SOLE	0	31,216	0	3,283
ISHARES RUSSELL 3000 ETF	ETF	464287689	2,731,529	8,360	SH		SOLE	0	7,787	0	572
EXXON MOBIL CORPORATION	Stock	30231G102	22,155	189	SH		OTR	1	0	0	189
EXXON MOBIL CORPORATION	Stock	30231G102	1,332,264	11,366	SH		SOLE	0	9,130	0	2,235
UNITEDHEALTH GROUP INC	Stock	91324P102	76,008	130	SH		OTR	1	0	0	130
UNITEDHEALTH GROUP INC	Stock	91324P102	2,658,242	4,546	SH		SOLE	0	2,879	0	1,667
TRAVELERS COMPANIES INC	Stock	89417E109	18,495	79	SH		OTR	1	0	0	79
TRAVELERS COMPANIES INC	Stock	89417E109	194,146	829	SH		SOLE	0	796	0	33
LOWE'S COMPANIES INC	Stock	548661107	43,607	161	SH		OTR	1	0	0	161
LOWE'S COMPANIES INC	Stock	548661107	382,926	1,414	SH		SOLE	0	1,149	0	264
DEERE & COMPANY	Stock	244199105	827,171	1,982	SH		SOLE	0	1,881	0	101
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,421,381	20,130	SH		SOLE	0	18,125	0	2,004
VODAFONE GROUP PLC	ADR	92857W308	188,212	18,784	SH		SOLE	0	15,681	0	3,102
NOVO-NORDISK A S ADR	ADR	670100205	494,652	4,154	SH		SOLE	0	4,154	0	0
CBRE GROUP INC	Stock	12504L109	1,494	12	SH		OTR	1	0	0	12
CBRE GROUP INC	Stock	12504L109	370,079	2,973	SH		SOLE	0	2,908	0	65
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	8,973,039	143,983	SH		SOLE	0	131,666	0	12,317
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	503,276	9,845	SH		SOLE	0	9,845	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	851,199	16,651	SH		OTR	1	0	0	16,651
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,439,108	75,678	SH		SOLE	0	67,064	0	8,614
ISHARES MSCI EAFE ETF	ETF	464287465	1,807,096	21,608	SH		SOLE	0	18,475	0	3,132
APPLE INC	Stock	037833100	1,392,641	5,977	SH		OTR	1	0	0	5,977
APPLE INC	Stock	037833100	17,781,644	76,316	SH		SOLE	0	64,844	0	11,471
ABBOTT LABORATORIES	Stock	002824100	8,665	76	SH		OTR	1	0	0	76
ABBOTT LABORATORIES	Stock	002824100	209,935	1,841	SH		SOLE	0	780	0	1,061
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	424,784	3,549	SH		SOLE	0	3,548	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	2,065,794	6,571	SH		SOLE	0	6,570	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	518,943	2,734	SH		SOLE	0	481	0	2,253