Red Tortoise 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

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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 COM	Stock	023135106	13	4	SH		OTR	1	0	0	4
AMAZON COM INC COM	Stock	023135106	652	200	SH		SOLE	0	0	0	200
ISHARES MORNINGSTAR GROWTH ETF	ETF	464287119	393	6,040	SH		SOLE	0	0	0	6,040
JOHNSON & JOHNSON COM	Stock	478160104	59	335	SH		OTR	1	0	0	335
JOHNSON & JOHNSON COM	Stock	478160104	166	937	SH		SOLE	0	0	0	937
VANGUARD TOTAL STOCK MARKET INDEX FUND	ETF	922908769	272	1,196	SH		SOLE	0	0	0	1,195
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	1,214	26,880	SH		SOLE	0	0	0	26,879
PROCTER AND GAMBLE CO COM	Stock	742718109	63	415	SH		OTR	1	0	0	415
PROCTER AND GAMBLE CO COM	Stock	742718109	396	2,591	SH		SOLE	0	0	0	2,591
ISHARES MSCI ACWI EX US INDEX FUND	ETF	464288240	2,219	42,460	SH		SOLE	0	0	0	42,459
SPDR S&P 500 ETF	ETF	78462F103	964	2,135	SH		SOLE	0	0	0	2,135
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF	ETF	78464A375	908	26,602	SH		SOLE	0	0	0	26,601
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	1,226	25,885	SH		SOLE	0	0	0	25,884
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	1,743	32,647	SH		SOLE	0	0	0	32,647
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	12,321	335,535	SH		SOLE	0	0	0	335,534
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	4,978	92,447	SH		SOLE	0	0	0	92,446
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	9,167	330,093	SH		SOLE	0	0	0	330,093
ALPHABET INC CAP STK CL A	Stock	02079K305	103	37	SH		OTR	1	0	0	37
ALPHABET INC CAP STK CL A	Stock	02079K305	567	204	SH		SOLE	0	0	0	204
MICROSOFT CORP COM	Stock	594918104	72	232	SH		OTR	1	0	0	232
MICROSOFT CORP COM	Stock	594918104	1,216	3,944	SH		SOLE	0	0	0	3,944
VANGUARD LARGE-CAP INDEX FUND	ETF	922908637	254	1,219	SH		SOLE	0	0	0	1,219
VANGUARD LONG-TERM GOVERNMENT BOND ETF	ETF	92206C847	2,931	36,456	SH		SOLE	0	0	0	36,456
SCHWAB SHORT-TERM U.S. TREASURY ETF	ETF	808524862	3,110	62,778	SH		SOLE	0	0	0	62,778
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND	ETF	72201R866	204	3,848	SH		SOLE	0	0	0	3,848
SPDR S&P 600 SMALL CAP VALUE ETF	ETF	78464A300	715	8,581	SH		SOLE	0	0	0	8,580
ISHARES RUSSELL MID-CAP VALUE ETF	ETF	464287473	513	4,285	SH		SOLE	0	0	0	4,285
ISHARES RUSSELL 2000 ETF	ETF	464287655	588	2,863	SH		SOLE	0	0	0	2,862
ISHARES SELECT DIVIDEND ETF	ETF	464287168	462	3,602	SH		SOLE	0	0	0	3,602
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	526	5,236	SH		SOLE	0	0	0	5,236
VANGUARD SMALL-CAP VALUE INDEX FUND	ETF	922908611	337	1,916	SH		SOLE	0	0	0	1,916
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	1,359	26,866	SH		SOLE	0	0	0	26,865
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	353	7,016	SH		SOLE	0	0	0	7,015
DIMENSIONAL U.S. EQUITY ETF	ETF	25434V401	1,264	25,788	SH		SOLE	0	0	0	25,787
DIMENSIONAL INTERNATIONAL VALUE ETF	ETF	25434V807	238	7,095	SH		SOLE	0	0	0	7,095
VANGUARD VALUE INDEX FUND	ETF	922908744	3,059	20,697	SH		SOLE	0	0	0	20,697
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	5,569	80,117	SH		SOLE	0	0	0	80,116
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	1,202	21,644	SH		SOLE	0	0	0	21,643
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	854	10,734	SH		SOLE	0	0	0	10,734
VANGUARD FTSE ALL-WORLD EX US INDEX FUND	ETF	922042775	1,371	23,798	SH		SOLE	0	0	0	23,797
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	224	875	SH		SOLE	0	0	0	875
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF	ETF	808524771	4,169	71,261	SH		SOLE	0	0	0	71,261
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	5,597	41,573	SH		SOLE	0	0	0	41,573
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF	ETF	808524730	2,158	74,538	SH		SOLE	0	0	0	74,537
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF	ETF	808524755	10,235	317,460	SH		SOLE	0	0	0	317,460
INVESCO FTSE RAFI DEVELOPED MARKETS EX-U.S. ETF	ETF	46138E743	630	13,646	SH		SOLE	0	0	0	13,646
ISHARES CORE S&P 500 ETF	ETF	464287200	8,053	17,750	SH		SOLE	0	0	0	17,749
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	2,522	22,998	SH		SOLE	0	0	0	22,998
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	1,655	34,452	SH		SOLE	0	0	0	34,452
BK OF AMERICA CORP COM	Stock	060505104	11	264	SH		SOLE	0	0	0	264
BK OF AMERICA CORP COM	Stock	060505104	18	444	SH		OTR	1	0	0	444
BK OF AMERICA CORP COM	Stock	060505104	1,290	31,300	SH	Put	SOLE	0	0	0	31,300
BK OF AMERICA CORP COM	Stock	060505104	1,970	47,800	SH	Put	SOLE	0	0	0	47,800
VANGUARD CONSUMER DISCRETIONARY INDEX FUND	ETF	92204A108	248	812	SH		SOLE	0	0	0	812
ORACLE CORP COM	Stock	68389X105	50	605	SH		OTR	1	0	0	605
ORACLE CORP COM	Stock	68389X105	333	4,029	SH		SOLE	0	0	0	4,029
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	1,937	41,987	SH		SOLE	0	0	0	41,986
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	1,387	12,359	SH		SOLE	0	0	0	12,359
SCHWAB FUNDAMENTAL U.S. BROAD MARKET INDEX ETF	ETF	808524789	877	15,185	SH		SOLE	0	0	0	15,184
ALPHABET INC CAP STK CL C	Stock	02079K107	397	142	SH		SOLE	0	0	0	142
INVESCO FTSE RAFI EMERGING MARKETS ETF	ETF	46138E727	561	26,955	SH		SOLE	0	0	0	26,954
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	350	2,156	SH		SOLE	0	0	0	2,155
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	3,732	69,882	SH		SOLE	0	0	0	69,881
VANGUARD LONG-TERM BOND INDEX FUND	ETF	921937793	1,239	13,509	SH		SOLE	0	0	0	13,509
FLEXSHARES INTERNATIONAL QUALITY DIVIDEND DEFENSIVE INDEX FUND	ETF	33939L811	3,099	137,324	SH		SOLE	0	0	0	137,324
VANGUARD SHORT-TERM BOND INDEX FUND	ETF	921937827	2,269	29,127	SH		SOLE	0	0	0	29,127
SPDR PORTFOLIO S&P 500 VALUE ETF	ETF	78464A508	4,222	101,121	SH		SOLE	0	0	0	101,120
ISHARES MSCI EAFE ETF	ETF	464287465	1,024	13,914	SH		SOLE	0	0	0	13,913
APPLE INC COM	Stock	037833100	204	1,168	SH		OTR	1	0	0	1,168
APPLE INC COM	Stock	037833100	816	4,672	SH		SOLE	0	0	0	4,672
ISHARES RUSSELL 1000 ETF	ETF	464287622	2,123	8,491	SH		SOLE	0	0	0	8,491
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	4,756	28,656	SH		SOLE	0	0	0	28,656
ISHARES MORNINGSTAR US EQUITY ETF	ETF	464287127	455	7,232	SH		SOLE	0	0	0	7,232