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	2,482,986	11,318	SH		SOLE	0	10,790	0	527
ISHARES MORNINGSTAR MID-CAP VALUE ETF	ETF	464288406	317,398	4,274	SH		SOLE	0	4,274	0	0
PRUDENTIAL FINL INC COM	Stock	744320102	350,730	2,959	SH		SOLE	0	2,959	0	0
INVESCO QQQ	ETF	46090E103	2,568,441	5,024	SH		SOLE	0	4,708	0	316
SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	2,669,260	106,813	SH		SOLE	0	106,813	0	0
JOHNSON & JOHNSON	Stock	478160104	485,983	3,360	SH		SOLE	0	3,156	0	204
SEAGATE TECHNOLOGY PLC	Stock	G7997R103	222,335	2,576	SH		SOLE	0	2,576	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	2,147,304	7,409	SH		SOLE	0	5,137	0	2,272
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	1,993,264	39,612	SH		SOLE	0	39,186	0	425
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF	ETF	921946810	2,412,454	30,159	SH		SOLE	0	28,383	0	1,776
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	450,334	6,634	SH		SOLE	0	4,672	0	1,962
COSTCO WHOLESALE CORPORATION	Stock	22160K105	1,042,238	1,137	SH		SOLE	0	1,137	0	0
FIRST TRUST HEALTH CARE ALPHADEX FUND	ETF	33734X143	234,751	2,254	SH		SOLE	0	1,734	0	519
SENSEONICS HLDGS INC COM	Stock	81727U105	9,551	18,249	SH		SOLE	0	15,416	0	2,832
TOYOTA MOTOR CORP SP ADR REP2COM	ADR	892331307	244,716	1,257	SH		SOLE	0	1,257	0	0
PROCTER & GAMBLE CO	Stock	742718109	326,983	1,950	SH		SOLE	0	1,950	0	0
GENERAL MILLS INC	Stock	370334104	303,580	4,761	SH		SOLE	0	4,760	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	2,774,735	31,149	SH		SOLE	0	28,649	0	2,499
ISHARES MSCI ACWI EX US ETF	ETF	464288240	568,766	10,904	SH		SOLE	0	10,904	0	0
MEDTRONIC PLC	Stock	G5960L103	569,858	7,134	SH		SOLE	0	7,133	0	0
ISHARES CORE AGGRESSIVE ALLOCATION ETF	ETF	464289859	376,742	4,918	SH		SOLE	0	4,532	0	384
ISHARES TREASURY FLOATING RATE BOND ETF	ETF	46434V860	2,751,486	54,517	SH		SOLE	0	54,346	0	171
ISHARES CORE GROWTH ALLOCATION ETF	ETF	464289867	2,335,720	40,749	SH		SOLE	0	38,914	0	1,834
MERCK & CO INC	Stock	58933Y105	390,320	3,924	SH		SOLE	0	3,923	0	0
SPDR S&P 500 ETF	ETF	78462F103	3,702,141	6,317	SH		SOLE	0	6,316	0	0
MASTERCARD INC	Stock	57636Q104	1,844,279	3,502	SH		SOLE	0	3,502	0	0
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	397,697	4,626	SH		SOLE	0	4,626	0	0
EATON VANCE LIMITED DURATION INCOME FUND	CEF	27828H105	160,865	16,465	SH		SOLE	0	15,278	0	1,186
PACER US CASH COWS 100 ETF	ETF	69374H881	615,269	10,894	SH		SOLE	0	10,893	0	0
INVESCO S&P MIDCAP 400 PURE GROWTH ETF	ETF	46137V217	238,210	4,920	SH		SOLE	0	4,919	0	0
VERIZON COMMUNICATIONS INC	Stock	92343V104	533,887	13,351	SH		SOLE	0	12,702	0	647
PEPSICO INC	Stock	713448108	350,960	2,308	SH		SOLE	0	2,308	0	0
WISDOMTREE INTERNATIONAL QUALITY DIVIDEND GROWTH FUND	ETF	97717X131	314,607	9,196	SH		SOLE	0	9,013	0	183
HONEYWELL INTERNATIONAL INC	Stock	438516106	1,220,000	5,401	SH		SOLE	0	5,400	0	0
FORD MOTOR COMPANY	Stock	345370860	324,601	32,788	SH		SOLE	0	29,718	0	3,069
US BANCORP	Stock	902973304	1,104,478	23,092	SH		SOLE	0	23,091	0	0
XCEL ENERGY INC	Stock	98389B100	669,418	9,914	SH		SOLE	0	9,914	0	0
HOME DEPOT INC	Stock	437076102	883,851	2,272	SH		SOLE	0	2,149	0	123
ABERDEEN STANDARD BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE ETF	ETF	003261104	640,473	32,429	SH		OTR	1	0	0	32,429
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	117,710	717	SH		OTR	1	0	0	717
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	303,992	1,852	SH		SOLE	0	1,851	0	0
BECTON DICKINSON AND CO	Stock	075887109	320,076	1,411	SH		SOLE	0	1,410	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,933,992	74,787	SH		OTR	1	0	0	74,787
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	2,004,087	77,498	SH		SOLE	0	58,177	0	19,319
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	901,411	39,710	SH		SOLE	0	39,097	0	612
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	3,089,352	166,992	SH		SOLE	0	161,224	0	5,767
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,288,613	185,013	SH		SOLE	0	162,473	0	22,540
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,917,034	212,124	SH		OTR	1	0	0	212,124
H & R BLOCK INC	Stock	093671105	230,114	4,355	SH		SOLE	0	4,354	0	0
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	36,972	734	SH		OTR	1	0	0	734
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	223,038	4,428	SH		SOLE	0	4,428	0	0
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	1,318,920	47,324	SH		OTR	1	0	0	47,324
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	5,870,171	210,627	SH		SOLE	0	197,447	0	13,179
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	2,531,234	25,227	SH		SOLE	0	21,061	0	4,165
FIRST TRUST MID CAP CORE ALPHADEX FUND	ETF	33735B108	227,980	1,970	SH		SOLE	0	1,970	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,300,260	28,643	SH		SOLE	0	28,643	0	0
BERKSHIRE HATHAWAY INC CLASS B	Stock	084670702	16,626,337	36,680	SH		SOLE	0	34,132	0	2,548
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	892,776	33,525	SH		SOLE	0	31,664	0	1,860
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF	ETF	46435G326	72,980	1,132	SH		SOLE	0	1,132	0	0
ISHARES CORE MSCI INTERNATIONAL DEVELOPED MARKETS ETF	ETF	46435G326	642,637	9,968	SH		OTR	1	0	0	9,968
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	154,277	2,972	SH		SOLE	0	2,972	0	0
VANECK VECTORS HIGH YIELD MUNI ETF	ETF	92189H409	366,433	7,059	SH		OTR	1	0	0	7,059
ALPHABET INC CLASS A	Stock	02079K305	257,351	1,359	SH		SOLE	0	1,354	0	5
NEWMONT CORPORATION	Stock	651639106	225,865	6,068	SH		SOLE	0	6,065	0	2
MICROSOFT CORPORATION	Stock	594918104	4,956,525	11,759	SH		SOLE	0	11,086	0	672
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	1,258,253	11,996	SH		SOLE	0	11,995	0	0
BOEING CO	Stock	097023105	200,187	1,131	SH		SOLE	0	1,131	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,064,977	8,594	SH		SOLE	0	8,558	0	35
VANGUARD MID-CAP ETF	ETF	922908629	6,729,841	25,479	SH		SOLE	0	25,479	0	0
VANGUARD LARGE CAP ETF	ETF	922908637	791,342	2,934	SH		SOLE	0	2,890	0	44
NEXTERA ENERGY INC	Stock	65339F101	365,951	5,105	SH		SOLE	0	3,104	0	2,000
TESLA INC	Stock	88160R101	280,265	694	SH		SOLE	0	514	0	180
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	22,833	988	SH		SOLE	0	988	0	0
VANECK VECTORS J.P. MORGAN EM LOCAL CURRENCY BOND ETF	ETF	92189H300	493,699	21,363	SH		OTR	1	0	0	21,363
ALERIAN MLP ETF	ETF	00162Q452	210,018	4,361	SH		SOLE	0	4,360	0	0
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	183,818	7,640	SH		OTR	1	0	0	7,640
SCHWAB SHORT TERM US TREASURY ETF	ETF	808524862	289,318	12,025	SH		SOLE	0	12,024	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	1,227,960	1,975	SH		SOLE	0	1,974	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	710,225	27,243	SH		OTR	1	0	0	27,243
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	3,869,192	148,415	SH		SOLE	0	142,736	0	5,679
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND	ETF	72201R866	338,004	6,534	SH		SOLE	0	6,534	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	172,547	6,680	SH		SOLE	0	6,680	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	1,331,356	51,543	SH		OTR	1	0	0	51,543
ROYAL CARIBBEAN CRUISES LTD	Stock	V7780T103	1,683,897	7,299	SH		SOLE	0	7,209	0	90
WELLTOWER INC COM	REIT	95040Q104	216,115	1,715	SH		SOLE	0	350	0	1,364
LEVI STRAUSS & CO NEW CL A COM STK	Stock	52736R102	267,199	15,445	SH		SOLE	0	15,445	0	0
VANGUARD S&P 500 ETF	ETF	922908363	1,204,890	2,236	SH		SOLE	0	2,236	0	0
JPMORGAN MUNICIPAL ETF	ETF	46641Q647	753,776	15,030	SH		SOLE	0	15,030	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	741,749	4,233	SH		OTR	1	0	0	4,233
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	1,815,650	10,362	SH		SOLE	0	10,361	0	0
TORTOISE ENERGY INFRA CORP COM	CEF	89147L886	934,820	22,258	SH		SOLE	0	16,894	0	5,363
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	2,172,796	22,439	SH		SOLE	0	22,219	0	220
INVESCO S&P 500 EQUAL WEIGHT CONSUMER STAPLES ETF	ETF	46137V373	1,227,947	40,796	SH		SOLE	0	37,857	0	2,937
EDAP TMS SA	ADR	268311107	298,262	134,960	SH		SOLE	0	134,960	0	0
AIR PRODUCTS & CHEMICALS INC	Stock	009158106	544,461	1,877	SH		SOLE	0	1,877	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	626,729	29,759	SH		SOLE	0	22,022	0	7,736
AVANTIS U.S. SMALL CAP VALUE ETF	ETF	025072877	2,491,046	25,806	SH		SOLE	0	22,688	0	3,117
SCHWAB U.S. MID-CAP ETF	ETF	808524508	1,688,495	60,935	SH		SOLE	0	57,177	0	3,757
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	411,589	6,984	SH		SOLE	0	6,913	0	71
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	891,535	36,576	SH		SOLE	0	36,575	0	0
PIMCO CORPORATE & INCOME OPPOR COM	CEF	72201B101	1,150,539	80,065	SH		SOLE	0	78,515	0	1,549
ISHARES RUSSELL 2000 ETF	ETF	464287655	2,737,834	12,391	SH		SOLE	0	12,390	0	0
APOLLO GLOBAL MGMT INC COM	Stock	03769M106	200,928	1,217	SH		SOLE	0	1,216	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	3,707,716	33,028	SH		SOLE	0	27,192	0	5,835
VERTIV HOLDINGS CO COM CL A	Stock	92537N108	358,099	3,152	SH		SOLE	0	3,152	0	0
ISHARES U.S. AEROSPACE & DEFENSE ETF	ETF	464288760	415,817	2,861	SH		SOLE	0	2,650	0	210
VANGUARD S&P SMALL-CAP 600 VALUE ETF	ETF	921932778	301,502	3,231	SH		SOLE	0	3,230	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	5,447,223	94,685	SH		SOLE	0	88,474	0	6,210
GLADSTONE LAND CORPORATION	REIT	376549101	192,445	17,737	SH		SOLE	0	17,529	0	207
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	301,090	2,375	SH		SOLE	0	2,375	0	0
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	360,291	1,818	SH		OTR	1	0	0	1,818
VANGUARD SMALL-CAP VALUE ETF	ETF	922908611	3,315,776	16,731	SH		SOLE	0	14,578	0	2,152
DIMENSIONAL US CORE EQUITY MARKET ETF	ETF	25434V104	2,162,328	53,404	SH		SOLE	0	53,404	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,214,367	53,496	SH		SOLE	0	53,184	0	312
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	3,831,293	73,019	SH		SOLE	0	72,631	0	387
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	248,305	9,707	SH		SOLE	0	9,707	0	0
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF	ETF	78464A284	280,101	10,950	SH		OTR	1	0	0	10,950
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	7,108,641	260,199	SH		SOLE	0	232,602	0	27,596
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	248,321	2,274	SH		OTR	1	0	0	2,274
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	1,461,947	29,463	SH		SOLE	0	29,462	0	0
TRACTOR SUPPLY COMPANY	Stock	892356106	409,889	7,725	SH		SOLE	0	7,725	0	0
VISA INC	Stock	92826C839	1,471,860	4,657	SH		SOLE	0	4,464	0	193
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	22,094,431	638,752	SH		SOLE	0	564,979	0	73,772
PIMCO MUN INCOME FD II COM	CEF	72200W106	118,672	14,669	SH		SOLE	0	14,668	0	0
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	62,597	705	SH		OTR	1	0	0	705
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	268,977	3,029	SH		SOLE	0	3,029	0	0
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF	ETF	25434V880	16,235,055	653,059	SH		SOLE	0	579,996	0	73,062
AVANTIS U.S. LARGE CAP VALUE ETF	ETF	025072349	330,743	4,953	SH		SOLE	0	4,953	0	0
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	336,912	1,203	SH		OTR	1	0	0	1,203
VANGUARD SMALL-CAP GROWTH INDEX FUND	ETF	922908595	1,048,063	3,742	SH		SOLE	0	3,742	0	0
VANGUARD VALUE ETF	ETF	922908744	1,638,824	9,680	SH		OTR	1	0	0	9,680
VANGUARD VALUE ETF	ETF	922908744	20,256,527	119,649	SH		SOLE	0	98,795	0	20,853
VANGUARD GROWTH INDEX FUND	ETF	922908736	1,067,554	2,601	SH		OTR	1	0	0	2,601
VANGUARD GROWTH INDEX FUND	ETF	922908736	59,391,006	144,701	SH		SOLE	0	136,024	0	8,675
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	459,535	19,997	SH		SOLE	0	19,997	0	0
NUVEEN MUN VALUE FD INC COM	CEF	670928100	111,610	12,993	SH		SOLE	0	12,992	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,331,268	10,350	SH		SOLE	0	9,746	0	603
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND	ETF	97717W604	1,828,535	53,232	SH		SOLE	0	46,473	0	6,759
FACEBOOK INC COMMON STOCK	Stock	30303M102	308,363	527	SH		SOLE	0	326	0	200
CAPITAL GROUP INTERNATIONAL FOCUS EQUITY ETF	ETF	14019W109	12,597,512	510,641	SH		SOLE	0	469,751	0	40,889
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF	ETF	25434V799	1,634,851	63,256	SH		SOLE	0	63,256	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	ETF	92189F643	42,632,921	459,778	SH		SOLE	0	436,195	0	23,582
SERVICENOW INC	Stock	81762P102	316,976	299	SH		SOLE	0	299	0	0
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	1,292,485	22,925	SH		SOLE	0	20,431	0	2,492
ALPS SECTOR DIVIDEND DOGS ETF	ETF	00162Q858	962,915	17,039	SH		SOLE	0	15,111	0	1,928
SEI ENHANCED U.S. LARGE CAP QUALITY FACTOR ETF	ETF	81589A106	1,124,439	32,182	SH		OTR	1	0	0	32,182
SEI ENHANCED U.S. LARGE CAP MOMENTUM FACTOR ETF	ETF	81589A205	2,309,534	59,817	SH		OTR	1	0	0	59,817
SEI ENHANCED U.S. LARGE CAP VALUE FACTOR ETF	ETF	81589A304	2,226,471	67,226	SH		OTR	1	0	0	67,226
BROADCOM INC COM	Stock	11135F101	676,397	2,918	SH		SOLE	0	2,907	0	10
DIMENSIONAL INTERNATIONAL SUSTAINABILITY CORE 1 ETF	ETF	25434V690	795,028	24,202	SH		SOLE	0	22,017	0	2,184
DIMENSIONAL US SUSTAINABILITY CORE 1 ETF	ETF	25434V716	1,096,836	28,940	SH		SOLE	0	26,144	0	2,796
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	ETF	922020805	338,117	6,983	SH		OTR	1	0	0	6,983
DIMENSIONAL GLOBAL SUSTAINABILITY FIXED INCOME ETF	ETF	25434V674	505,757	9,928	SH		SOLE	0	8,971	0	957
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	406,827	6,151	SH		SOLE	0	6,084	0	66
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	660,983	9,405	SH		OTR	1	0	0	9,405
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	706,800	10,057	SH		SOLE	0	10,056	0	0
TOTALENERGIES SE SPONSORED ADS	ADR	89151E109	289,341	5,309	SH		SOLE	0	4,859	0	450
KINDER MORGAN INC	Stock	49456B101	1,222,236	44,607	SH		SOLE	0	43,088	0	1,519
ACCENTURE PLC	Stock	G1151C101	344,923	980	SH		SOLE	0	978	0	2
SPDR PORTFOLIO HIGH YIELD BOND ETF	ETF	78468R606	1,016,908	43,328	SH		OTR	1	0	0	43,328
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	308,982	5,295	SH		SOLE	0	5,295	0	0
NVIDIA CORPORATION	Stock	67066G104	1,748,191	13,018	SH		SOLE	0	9,362	0	3,655
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	538,094	10,408	SH		OTR	1	0	0	10,408
ABBVIE INC	Stock	00287Y109	500,972	2,819	SH		SOLE	0	2,819	0	0
INVESCO INTERNATIONAL DIVIDEND ACHIEVERS ETF	ETF	46137V548	4,300,275	234,859	SH		SOLE	0	199,422	0	35,436
WISDOMTREE INTERNATIONAL HIGH DIVIDEND FUND	ETF	97717W802	3,559,172	94,208	SH		SOLE	0	84,388	0	9,819
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND	ETF	97717W760	493,305	7,836	SH		SOLE	0	4,845	0	2,991
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	312,583	5,986	SH		SOLE	0	5,985	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	648,364	12,416	SH		OTR	1	0	0	12,416
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	279,514	3,887	SH		OTR	1	0	0	3,887
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	24,072,805	334,763	SH		SOLE	0	313,645	0	21,117
RUNNING OAK EFFICIENT GROWTH ETF	ETF	48817R870	3,493,347	106,602	SH		SOLE	0	95,075	0	11,526
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	115,991	403	SH		OTR	1	0	0	403
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	216,544	752	SH		SOLE	0	752	0	0
CHURCH & DWIGHT CO INC	Stock	171340102	421,620	4,027	SH		SOLE	0	4,026	0	0
GRACO INC COM	Stock	384109104	2,077,713	24,650	SH		SOLE	0	22,136	0	2,513
ROCKWELL AUTOMATION	Stock	773903109	360,900	1,263	SH		SOLE	0	1,262	0	0
QUALCOMM INC	Stock	747525103	249,062	1,621	SH		SOLE	0	1,621	0	0
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF	ETF	46654Q724	1,518,494	24,476	SH		SOLE	0	24,082	0	393
MCDONALD'S CORP	Stock	580135101	417,691	1,441	SH		SOLE	0	1,440	0	0
SIMPLIFY MBS ETF	ETF	82889N525	0	0	SH		SOLE	0	0	0	0
SIMPLIFY MBS ETF	ETF	82889N525	678,219	13,649	SH		OTR	1	0	0	13,649
CISCO SYSTEMS INC	Stock	17275R102	503,949	8,513	SH		SOLE	0	8,228	0	284
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	23,599	481	SH		SOLE	0	481	0	0
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	1,108,873	22,607	SH		OTR	1	0	0	22,607
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	2,376,905	26,888	SH		SOLE	0	26,888	0	0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND	ETF	97717X669	19,313,510	238,645	SH		SOLE	0	220,449	0	18,194
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF	ETF	00162Q718	1,949,094	67,489	SH		SOLE	0	66,871	0	618
ISHARES MSCI EMERGING MARKETS ASIA ETF	ETF	464286426	203,632	2,842	SH		SOLE	0	2,842	0	0
MATTHEWS PACIFIC TIGER ACTIVE ETF	ETF	577130578	3,206,264	122,564	SH		SOLE	0	113,251	0	9,312
AT&T INC	Stock	00206R102	340,513	14,954	SH		SOLE	0	14,954	0	0
WISDOMTREE U.S. MIDCAP DIVIDEND FUND	ETF	97717W505	3,648,385	71,579	SH		SOLE	0	62,029	0	9,549
VANGUARD FINANCIALS INDEX FUND	ETF	92204A405	482,080	4,083	SH		SOLE	0	4,083	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	560,617	6,545	SH		SOLE	0	6,373	0	171
SOLVENTUM CORP COM SHS	Stock	83444M101	358,838	5,432	SH		SOLE	0	5,420	0	12
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	65,297	1,034	SH		SOLE	0	1,034	0	0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF	ETF	921946885	599,294	9,490	SH		OTR	1	0	0	9,490
ISHARES BIOTECHNOLOGY FUND	ETF	464287556	211,419	1,599	SH		SOLE	0	1,599	0	0
SCHWAB FUNDAMENTAL U.S. SMALL COMPANY INDEX ETF	ETF	808524763	1,107,891	37,303	SH		SOLE	0	34,721	0	2,581
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	23,109,546	975,910	SH		SOLE	0	951,429	0	24,480
GENERAL ELECTRIC COMPANY	Stock	369604301	231,783	1,390	SH		SOLE	0	1,387	0	2
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	17,880,232	100,406	SH		SOLE	0	93,918	0	6,487
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	256,423	1,894	SH		SOLE	0	1,894	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	292,985	1,416	SH		SOLE	0	1,415	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	9,874,276	61,900	SH		SOLE	0	57,524	0	4,375
SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY INDEX ETF	ETF	808524748	209,290	6,130	SH		SOLE	0	6,130	0	0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	1,340,129	46,132	SH		SOLE	0	34,843	0	11,287
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	8,354,121	251,554	SH		SOLE	0	215,920	0	35,633
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF	ETF	464287515	904,912	9,038	SH		SOLE	0	8,863	0	175
ROBO GLOBAL ROBOTICS & AUTOMATION ETF	ETF	301505707	285,709	5,078	SH		SOLE	0	5,078	0	0
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF	ETF	74348A467	290,085	2,914	SH		SOLE	0	2,913	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	29,140,122	152,662	SH		SOLE	0	133,583	0	19,078
WISDOMTREE U.S. AI ENHANCED VALUE	ETF	97717W406	403,230	3,785	SH		SOLE	0	3,785	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	301,036	2,965	SH		OTR	1	0	0	2,965
ISHARES S&P 500 GROWTH ETF	ETF	464287309	26,424,870	260,267	SH		SOLE	0	230,183	0	30,083
ISHARES CORE S&P 500 ETF	ETF	464287200	2,992,233	5,083	SH		SOLE	0	4,830	0	252
CIGNA CORP	Stock	125523100	284,022	1,029	SH		SOLE	0	1,028	0	0
SCHWAB INTERNATIONAL DIVIDEND EQUITY ETF	ETF	808524672	1,469,996	63,581	SH		SOLE	0	52,295	0	11,285
WELLS FARGO & CO	Stock	949746101	612,720	8,723	SH		SOLE	0	5,802	0	2,920
ECOLAB INC	Stock	278865100	789,225	3,368	SH		SOLE	0	3,368	0	0
SALESFORCE.COM INC	Stock	79466L302	269,257	805	SH		SOLE	0	613	0	191
IDEXX LABORATORIES INC	Stock	45168D104	313,388	758	SH		SOLE	0	758	0	0
VANGUARD MID-CAP VALUE ETF	ETF	922908512	1,085,604	6,711	SH		SOLE	0	4,442	0	2,268
INVESCO S&P 100 EQUAL WEIGHT ETF	ETF	46137V449	388,343	3,797	SH		SOLE	0	3,796	0	0
LOCKHEED MARTIN CORPORATION	Stock	539830109	1,314,408	2,705	SH		SOLE	0	2,671	0	33
JPMORGAN CHASE & CO	Stock	46625H100	1,682,152	7,017	SH		SOLE	0	7,013	0	4
CHEVRON CORPORATION	Stock	166764100	406,736	2,808	SH		SOLE	0	2,408	0	400
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	340,747	3,198	SH		SOLE	0	3,198	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	918,461	8,620	SH		OTR	1	0	0	8,620
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	6,798,474	142,168	SH		OTR	1	0	0	142,168
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	17,868,064	373,653	SH		SOLE	0	351,772	0	21,879
BANK OF AMERICA CORP	Stock	060505104	485,180	11,039	SH		SOLE	0	10,339	0	700
VANGUARD CONSUMER DISCRETIONARY INDEX FUND	ETF	92204A108	257,135	685	SH		SOLE	0	685	0	0
BLACKROCK CORPORATE HIGH YIELD FUND	CEF	09255P107	254,982	25,992	SH		SOLE	0	25,992	0	0
WALMART INC	Stock	931142103	235,298	2,604	SH		SOLE	0	2,604	0	0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF	ETF	464288448	399,529	14,592	SH		SOLE	0	14,592	0	0
FIRST TRUST RISING DIVIDEND ACHIEVERS ETF	ETF	33738R506	856,820	14,488	SH		SOLE	0	14,488	0	0
IBM CORP	Stock	459200101	992,708	4,516	SH		SOLE	0	4,365	0	150
ORACLE CORPORATION	Stock	68389X105	505,149	3,031	SH		SOLE	0	3,031	0	0
RAYTHEON TECHNOLOGIES CORP	Stock	75513E101	919,024	7,942	SH		SOLE	0	7,693	0	248
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,465,834	55,991	SH		SOLE	0	55,990	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	2,489,141	56,520	SH		OTR	1	0	0	56,520
TEXAS INSTRUMENTS INCORPORATED	Stock	882508104	233,080	1,243	SH		SOLE	0	1,243	0	0
TARGET CORPORATION	Stock	87612E106	1,178,832	8,534	SH		SOLE	0	8,152	0	381
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,693,791	13,275	SH		SOLE	0	13,275	0	0
PFIZER INC	Stock	717081103	405,473	15,284	SH		SOLE	0	15,283	0	0
3M CO	Stock	88579Y101	1,961,768	15,197	SH		SOLE	0	15,020	0	176
GILEAD SCIENCES INC	Stock	375558103	334,597	3,622	SH		SOLE	0	3,622	0	0
CATERPILLAR INC	Stock	149123101	876,281	2,416	SH		SOLE	0	2,415	0	0
ALPHABET INC CLASS C	Stock	02079K107	1,026,312	5,389	SH		SOLE	0	4,987	0	401
APPLIED MATERIALS INC	Stock	038222105	371,406	2,284	SH		SOLE	0	2,283	0	0
ALLY FINL INC COM	Stock	02005N100	209,686	5,823	SH		SOLE	0	5,823	0	0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX	ETF	33733E302	1,177,070	4,841	SH		SOLE	0	4,411	0	429
WILLIAMS COS INC COM	Stock	969457100	540,277	9,983	SH		SOLE	0	9,982	0	0
MAIN STR CAP CORP COM	CEF	56035L104	755,874	12,903	SH		SOLE	0	12,903	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	2,291,362	16,443	SH		SOLE	0	16,443	0	0
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	2,014,018	21,752	SH		SOLE	0	21,751	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	18,064,534	92,246	SH		SOLE	0	82,943	0	9,302
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	3,414,914	39,104	SH		SOLE	0	36,258	0	2,844
INVESCO BUYBACK ACHIEVERS ETF	ETF	46137V308	5,517,652	47,925	SH		SOLE	0	42,478	0	5,447
BROOKFIELD INFRASTRUCTURE PARTNERS LP	Stock	G16252101	2,375,119	74,713	SH		SOLE	0	52,295	0	22,417
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	837,322	7,709	SH		SOLE	0	2,532	0	5,177
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	297,368	3,270	SH		SOLE	0	3,270	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	949,749	21,012	SH		SOLE	0	20,572	0	439
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND	ETF	97717W281	471,222	9,633	SH		SOLE	0	9,521	0	111
ETFMG PRIME CYBER SECURITY ETF	ETF	032108664	593,104	7,962	SH		SOLE	0	7,962	0	0
CH ROBINSON WORLDWIDE INC	Stock	12541W209	505,235	4,890	SH		SOLE	0	4,890	0	0
DELTA AIR LINES INC	Stock	247361702	293,056	4,844	SH		SOLE	0	3,073	0	1,770
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	263,104	3,405	SH		OTR	1	0	0	3,405
VANGUARD SHORT-TERM BOND ETF	ETF	921937827	14,513,523	187,829	SH		SOLE	0	176,193	0	11,634
NORTHERN OIL & GAS, INC	Stock	665531307	2,153,311	57,947	SH		SOLE	0	57,947	0	0
PHILIP MORRIS INTERNATIONAL INC	Stock	718172109	322,712	2,681	SH		SOLE	0	1,981	0	700
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF	ETF	46137V282	1,187,719	31,740	SH		SOLE	0	29,454	0	2,286
ISHARES RUSSELL 3000 ETF	ETF	464287689	3,001,097	8,979	SH		SOLE	0	8,403	0	574
REALTY INCOME CORP COM	REIT	756109104	218,244	4,086	SH		SOLE	0	4,086	0	0
ALTRIA GROUP INC	Stock	02209S103	445,000	8,510	SH		SOLE	0	8,510	0	0
EXXON MOBIL CORPORATION	Stock	30231G102	1,355,834	12,604	SH		SOLE	0	11,296	0	1,307
UNITEDHEALTH GROUP INC	Stock	91324P102	2,334,745	4,615	SH		SOLE	0	3,178	0	1,436
LOWE'S COMPANIES INC	Stock	548661107	314,693	1,275	SH		SOLE	0	1,135	0	140
DEERE & COMPANY	Stock	244199105	803,434	1,896	SH		SOLE	0	1,839	0	57
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	1,324,583	20,155	SH		SOLE	0	18,148	0	2,006
VODAFONE GROUP PLC	ADR	92857W308	173,158	20,395	SH		SOLE	0	17,293	0	3,102
NOVO-NORDISK A S ADR	ADR	670100205	331,930	3,859	SH		SOLE	0	3,858	0	0
CBRE GROUP INC	Stock	12504L109	381,791	2,908	SH		SOLE	0	2,908	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	10,276,607	164,927	SH		SOLE	0	151,555	0	13,371
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	607,977	12,128	SH		SOLE	0	12,128	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	779,672	15,553	SH		OTR	1	0	0	15,553
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF	ETF	46137V332	2,220,031	75,769	SH		SOLE	0	67,165	0	8,603
ISHARES MSCI EAFE ETF	ETF	464287465	1,619,771	21,423	SH		SOLE	0	18,252	0	3,170
APPLE INC	Stock	037833100	1,447,678	5,781	SH		OTR	1	0	0	5,781
APPLE INC	Stock	037833100	18,951,568	75,679	SH		SOLE	0	66,965	0	8,713
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	416,906	3,549	SH		SOLE	0	3,548	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	2,116,850	6,571	SH		SOLE	0	6,570	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	506,514	2,736	SH		SOLE	0	482	0	2,253