River Street 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
ABBOTT LABS	COM	002824100	586,692	5,330	SH		SOLE		0	0	5,330
ABBOTT LABS	COM	002824100	20,143	183	SH		DFND		0	0	183
ABBVIE INC	COM	00287Y109	108,479	700	SH		DFND		0	0	700
ABBVIE INC	COM	00287Y109	1,333,859	8,607	SH		SOLE		0	0	8,607
ABBVIE INC	COM	00287Y109	13,018	84	SH		OTR		0	0	84
ADOBE INC	COM	00724F101	563,787	945	SH		SOLE		0	0	945
AES CORP	COM	00130H105	285,727	14,843	SH		SOLE		0	0	14,843
AIR PRODS & CHEMS INC	COM	009158106	7,393	27	SH		OTR		0	0	27
AIR PRODS & CHEMS INC	COM	009158106	848,507	3,099	SH		SOLE		0	0	3,099
AIR PRODS & CHEMS INC	COM	009158106	12,595	46	SH		DFND		0	0	46
ALBEMARLE CORP	COM	012653101	366,462	2,536	SH		SOLE		0	0	2,536
ALPHABET INC	CAP STK CL C	02079K107	260,016	1,845	SH		SOLE		0	0	1,845
ALPHABET INC	CAP STK CL A	02079K305	1,877,993	13,444	SH		SOLE		0	0	13,444
ALTRIA GROUP INC	COM	02209S103	257,934	6,394	SH		SOLE		0	0	6,394
AMAZON COM INC	COM	023135106	1,233,601	8,119	SH		SOLE		0	0	8,119
AMAZON COM INC	COM	023135106	6,078	40	SH		DFND		0	0	40
APPLE INC	COM	037833100	5,601,933	29,096	SH		SOLE		0	0	29,096
APPLE INC	COM	037833100	91,067	473	SH		DFND		0	0	473
APPLE INC	COM	037833100	260,494	1,353	SH		OTR		0	0	1,353
APTIV PLC	SHS	G6095L109	257,945	2,875	SH		SOLE		0	0	2,875
ARISTA NETWORKS INC	COM	040413106	296,743	1,260	SH		SOLE		0	0	1,260
BADGER METER INC	COM	056525108	519,139	3,363	SH		SOLE		0	0	3,363
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	64,199	180	SH		OTR		0	0	180
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	849,921	2,383	SH		SOLE		0	0	2,383
BLACKROCK INC	COM	09247X101	12,989	16	SH		DFND		0	0	16
BLACKROCK INC	COM	09247X101	17,048	21	SH		OTR		0	0	21
BLACKROCK INC	COM	09247X101	1,474,476	1,816	SH		SOLE		0	0	1,816
BLACKSTONE INC	COM	09260D107	63,235	483	SH		DFND		0	0	483
BLACKSTONE INC	COM	09260D107	10,212	78	SH		OTR		0	0	78
BLACKSTONE INC	COM	09260D107	1,309,316	10,001	SH		SOLE		0	0	10,001
BOEING CO	COM	097023105	243,196	933	SH		SOLE		0	0	933
BRISTOL-MYERS SQUIBB CO	COM	110122108	9,903	193	SH		DFND		0	0	193
BRISTOL-MYERS SQUIBB CO	COM	110122108	8,518	166	SH		OTR		0	0	166
BRISTOL-MYERS SQUIBB CO	COM	110122108	480,006	9,355	SH		SOLE		0	0	9,355
BROADCOM INC	COM	11135F101	1,809,906	1,621	SH		SOLE		0	0	1,621
BROADCOM INC	COM	11135F101	6,698	6	SH		DFND		0	0	6
BROADCOM INC	COM	11135F101	13,395	12	SH		OTR		0	0	12
CATERPILLAR INC	COM	149123101	2,649,795	8,962	SH		SOLE		0	0	8,962
CF INDS HLDGS INC	COM	125269100	314,636	3,958	SH		SOLE		0	0	3,958
CHEVRON CORP NEW	COM	166764100	374,015	2,507	SH		SOLE		0	0	2,507
CISCO SYS INC	COM	17275R102	608,737	12,049	SH		SOLE		0	0	12,049
CISCO SYS INC	COM	17275R102	36,931	731	SH		DFND		0	0	731
CISCO SYS INC	COM	17275R102	7,124	141	SH		OTR		0	0	141
COMCAST CORP NEW	CL A	20030N101	11,884	271	SH		DFND		0	0	271
COMCAST CORP NEW	CL A	20030N101	592,151	13,504	SH		SOLE		0	0	13,504
COMCAST CORP NEW	CL A	20030N101	3,158	72	SH		OTR		0	0	72
CORNING INC	COM	219350105	3,320	109	SH		DFND		0	0	109
CORNING INC	COM	219350105	495,757	16,281	SH		SOLE		0	0	16,281
CORNING INC	COM	219350105	7,674	252	SH		OTR		0	0	252
COSTCO WHSL CORP NEW	COM	22160K105	12,542	19	SH		OTR		0	0	19
COSTCO WHSL CORP NEW	COM	22160K105	1,323,461	2,005	SH		SOLE		0	0	2,005
COSTCO WHSL CORP NEW	COM	22160K105	5,941	9	SH		DFND		0	0	9
CUMMINS INC	COM	231021106	1,293,760	5,400	SH		SOLE		0	0	5,400
CUMMINS INC	COM	231021106	12,458	52	SH		OTR		0	0	52
CUMMINS INC	COM	231021106	34,738	145	SH		DFND		0	0	145
DANAHER CORPORATION	COM	235851102	395,613	1,710	SH		SOLE		0	0	1,710
DEERE & CO	COM	244199105	772,209	1,931	SH		SOLE		0	0	1,931
DISCOVER FINL SVCS	COM	254709108	1,083,649	9,641	SH		SOLE		0	0	9,641
DISCOVER FINL SVCS	COM	254709108	5,171	46	SH		DFND		0	0	46
DISCOVER FINL SVCS	COM	254709108	12,140	108	SH		OTR		0	0	108
DISNEY WALT CO	COM	254687106	519,349	5,752	SH		SOLE		0	0	5,752
DISNEY WALT CO	COM	254687106	17,788	197	SH		DFND		0	0	197
EATON CORP PLC	SHS	G29183103	14,209	59	SH		OTR		0	0	59
EATON CORP PLC	SHS	G29183103	1,405,185	5,835	SH		SOLE		0	0	5,835
EATON CORP PLC	SHS	G29183103	10,115	42	SH		DFND		0	0	42
ELI LILLY & CO	COM	532457108	177,208	304	SH		DFND		0	0	304
ELI LILLY & CO	COM	532457108	1,862,508	3,195	SH		SOLE		0	0	3,195
ELI LILLY & CO	COM	532457108	7,578	13	SH		OTR		0	0	13
ENBRIDGE INC	COM	29250N105	11,527	320	SH		DFND		0	0	320
ENBRIDGE INC	COM	29250N105	12,680	352	SH		OTR		0	0	352
ENBRIDGE INC	COM	29250N105	744,786	20,677	SH		SOLE		0	0	20,677
EOG RES INC	COM	26875P101	13,063	108	SH		DFND		0	0	108
EOG RES INC	COM	26875P101	9,435	78	SH		OTR		0	0	78
EOG RES INC	COM	26875P101	1,003,295	8,295	SH		SOLE		0	0	8,295
ETF MANAGERS TR	PRIME CYBR SCRTY	26924G201	211,738	3,505	SH		SOLE		0	0	3,505
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	374,515	6,956	SH		SOLE		0	0	6,956
FORTINET INC	COM	34959E109	222,707	3,805	SH		SOLE		0	0	3,805
GENERAL ELECTRIC CO	COM NEW	369604301	301,845	2,365	SH		SOLE		0	0	2,365
GLOBAL X FDS	S&P 500 COVERED	37954Y475	50,089	1,270	SH		OTR		0	0	1,270
GLOBAL X FDS	S&P 500 COVERED	37954Y475	4,131,764	104,761	SH		SOLE		0	0	104,761
GLOBAL X FDS	S&P 500 COVERED	37954Y475	50,286	1,275	SH		DFND		0	0	1,275
HOME DEPOT INC	COM	437076102	1,119,224	3,230	SH		SOLE		0	0	3,230
HOME DEPOT INC	COM	437076102	12,130	35	SH		DFND		0	0	35
HOME DEPOT INC	COM	437076102	10,744	31	SH		OTR		0	0	31
HONEYWELL INTL INC	COM	438516106	494,706	2,359	SH		SOLE		0	0	2,359
HONEYWELL INTL INC	COM	438516106	2,727	13	SH		OTR		0	0	13
HONEYWELL INTL INC	COM	438516106	47,605	227	SH		DFND		0	0	227
INVESCO EXCH TRADED FD TR II	SR LN ETF	46138G508	247,849	11,702	SH		SOLE		0	0	11,702
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	10,187	498	SH		OTR		0	0	498
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 HY	46138J817	628,008	27,629	SH		SOLE		0	0	27,629
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 HY	46138J833	2,322,610	102,250	SH		SOLE		0	0	102,250
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 HY	46138J833	12,880	567	SH		DFND		0	0	567
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 HY	46138J817	2,887	127	SH		OTR		0	0	127
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	3,849,246	184,307	SH		SOLE		0	0	184,307
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	20,458	1,060	SH		OTR		0	0	1,060
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	34,586	1,656	SH		OTR		0	0	1,656
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	1,409,219	68,894	SH		SOLE		0	0	68,894
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	12,468	646	SH		DFND		0	0	646
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 HY	46138J833	21,012	925	SH		OTR		0	0	925
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	1,615,237	83,691	SH		SOLE		0	0	83,691
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	7,426	363	SH		DFND		0	0	363
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	25,250	1,209	SH		DFND		0	0	1,209
INVESCO QQQ TR	UNIT SER 1	46090E103	491,015	1,199	SH		SOLE		0	0	1,199
ISHARES TR	CORE S&P MCP ETF	464287507	30,487	110	SH		DFND		0	0	110
ISHARES TR	U.S. TECH ETF	464287721	213,831	1,742	SH		SOLE		0	0	1,742
ISHARES TR	CORE S&P TTL STK	464287150	13,680	130	SH		DFND		0	0	130
ISHARES TR	CORE S&P TTL STK	464287150	283,806	2,697	SH		SOLE		0	0	2,697
ISHARES TR	CRE U S REIT ETF	464288521	381	7	SH		OTR		0	0	7
ISHARES TR	CORE S&P MCP ETF	464287507	99,497	359	SH		OTR		0	0	359
ISHARES TR	CORE S&P MCP ETF	464287507	9,331,488	33,669	SH		SOLE		0	0	33,669
ISHARES TR	CORE S&P TTL STK	464287150	8,524	81	SH		OTR		0	0	81
ISHARES TR	CRE U S REIT ETF	464288521	357,609	6,587	SH		SOLE		0	0	6,587
JOHNSON & JOHNSON	COM	478160104	1,877,076	11,976	SH		SOLE		0	0	11,976
JOHNSON & JOHNSON	COM	478160104	9,718	62	SH		DFND		0	0	62
JOHNSON & JOHNSON	COM	478160104	6,584	42	SH		OTR		0	0	42
JPMORGAN CHASE & CO	COM	46625H100	2,987,808	17,565	SH		SOLE		0	0	17,565
JPMORGAN CHASE & CO	COM	46625H100	35,041	206	SH		DFND		0	0	206
JPMORGAN CHASE & CO	COM	46625H100	6,634	39	SH		OTR		0	0	39
KLA CORP	COM NEW	482480100	9,883	17	SH		OTR		0	0	17
KLA CORP	COM NEW	482480100	5,813	10	SH		DFND		0	0	10
KLA CORP	COM NEW	482480100	1,323,825	2,277	SH		SOLE		0	0	2,277
LKQ CORP	COM	501889208	289,105	6,049	SH		SOLE		0	0	6,049
LOCKHEED MARTIN CORP	COM	539830109	248,376	548	SH		SOLE		0	0	548
LOWES COS INC	COM	548661107	239,687	1,077	SH		SOLE		0	0	1,077
MASTERCARD INCORPORATED	CL A	57636Q104	981,454	2,301	SH		SOLE		0	0	2,301
MATTHEWS INTL FDS	PACIFIC TIGER AC	577130578	3,743,904	147,166	SH		SOLE		0	0	147,166
MATTHEWS INTL FDS	PACIFIC TIGER AC	577130578	7,683	302	SH		OTR		0	0	302
MATTHEWS INTL FDS	PACIFIC TIGER AC	577130578	14,120	555	SH		DFND		0	0	555
MCDONALDS CORP	COM	580135101	1,093,233	3,687	SH		SOLE		0	0	3,687
MCDONALDS CORP	COM	580135101	10,675	36	SH		OTR		0	0	36
MCDONALDS CORP	COM	580135101	32,024	108	SH		DFND		0	0	108
MEDTRONIC PLC	SHS	G5960L103	699,247	8,488	SH		SOLE		0	0	8,488
MEDTRONIC PLC	SHS	G5960L103	10,545	128	SH		DFND		0	0	128
MEDTRONIC PLC	SHS	G5960L103	4,861	59	SH		OTR		0	0	59
MERCADOLIBRE INC	COM	58733R102	235,731	150	SH		SOLE		0	0	150
METLIFE INC	COM	59156R108	8,002	121	SH		OTR		0	0	121
METLIFE INC	COM	59156R108	8,994	136	SH		DFND		0	0	136
METLIFE INC	COM	59156R108	1,167,120	17,649	SH		SOLE		0	0	17,649
MICROSOFT CORP	COM	594918104	3,900,985	10,374	SH		SOLE		0	0	10,374
MICROSOFT CORP	COM	594918104	100,027	266	SH		DFND		0	0	266
MICROSOFT CORP	COM	594918104	9,401	25	SH		OTR		0	0	25
MONDELEZ INTL INC	CL A	609207105	514,636	7,105	SH		SOLE		0	0	7,105
MORGAN STANLEY	COM NEW	617446448	1,453,849	15,591	SH		SOLE		0	0	15,591
MORGAN STANLEY	COM NEW	617446448	9,325	100	SH		DFND		0	0	100
MORGAN STANLEY	COM NEW	617446448	11,004	118	SH		OTR		0	0	118
NORFOLK SOUTHN CORP	COM	655844108	848,750	3,591	SH		SOLE		0	0	3,591
NORTHROP GRUMMAN CORP	COM	666807102	3,746	8	SH		OTR		0	0	8
NORTHROP GRUMMAN CORP	COM	666807102	2,809	6	SH		DFND		0	0	6
NORTHROP GRUMMAN CORP	COM	666807102	287,907	615	SH		SOLE		0	0	615
NVIDIA CORPORATION	COM	67066G104	2,632,120	5,315	SH		SOLE		0	0	5,315
PACKAGING CORP AMER	COM	695156109	5,865	36	SH		OTR		0	0	36
PACKAGING CORP AMER	COM	695156109	775,941	4,763	SH		SOLE		0	0	4,763
PACKAGING CORP AMER	COM	695156109	4,073	25	SH		DFND		0	0	25
PAYPAL HLDGS INC	COM	70450Y103	302,568	4,927	SH		SOLE		0	0	4,927
PEPSICO INC	COM	713448108	22,080	130	SH		DFND		0	0	130
PEPSICO INC	COM	713448108	4,077	24	SH		OTR		0	0	24
PEPSICO INC	COM	713448108	1,010,888	5,952	SH		SOLE		0	0	5,952
PHILIP MORRIS INTL INC	COM	718172109	235,461	2,503	SH		SOLE		0	0	2,503
PROCTER AND GAMBLE CO	COM	742718109	910,307	6,212	SH		SOLE		0	0	6,212
PROCTER AND GAMBLE CO	COM	742718109	22,128	151	SH		DFND		0	0	151
PROCTER AND GAMBLE CO	COM	742718109	4,543	31	SH		OTR		0	0	31
PROLOGIS INC.	COM	74340W103	257,456	1,931	SH		SOLE		0	0	1,931
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	798,069	13,051	SH		SOLE		0	0	13,051
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	4,709	77	SH		OTR		0	0	77
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	13,025	213	SH		DFND		0	0	213
PULTE GROUP INC	COM	745867101	610,821	5,918	SH		SOLE		0	0	5,918
QUALCOMM INC	COM	747525103	14,463	100	SH		DFND		0	0	100
QUALCOMM INC	COM	747525103	1,035,117	7,157	SH		SOLE		0	0	7,157
QUALCOMM INC	COM	747525103	9,112	63	SH		OTR		0	0	63
QUANTA SVCS INC	COM	74762E102	447,785	2,075	SH		SOLE		0	0	2,075
REGENERON PHARMACEUTICALS	COM	75886F107	377,665	430	SH		SOLE		0	0	430
ROPER TECHNOLOGIES INC	COM	776696106	365,842	671	SH		SOLE		0	0	671
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	437,019	6,067	SH		SOLE		0	0	6,067
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	200,007	1,119	SH		SOLE		0	0	1,119
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	427,143	3,132	SH		SOLE		0	0	3,132
SELECT SECTOR SPDR TR	ENERGY	81369Y506	376,917	4,496	SH		SOLE		0	0	4,496
SHOPIFY INC	CL A	82509L107	625,304	8,027	SH		SOLE		0	0	8,027
SOFI TECHNOLOGIES INC	COM	83406F102	352,370	35,414	SH		SOLE		0	0	35,414
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	354,344	10,007	SH		SOLE		0	0	10,007
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	614,345	18,064	SH		SOLE		0	0	18,064
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	2,075	61	SH		OTR		0	0	61
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	425	12	SH		OTR		0	0	12
SPDR S&P 500 ETF TR	TR UNIT	78462F103	980,660	2,063	SH		SOLE		0	0	2,063
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	309,506	610	SH		SOLE		0	0	610
SPDR SER TR	PORTFOLIO S&P500	78464A854	23,814	426	SH		OTR		0	0	426
SPDR SER TR	PRTFLO S&P500 GW	78464A409	911	14	SH		OTR		0	0	14
SPDR SER TR	PORTFOLIO S&P400	78464A847	649,584	13,333	SH		SOLE		0	0	13,333
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	696,152	27,151	SH		SOLE		0	0	27,151
SPDR SER TR	PORTFOLIO S&P600	78468R853	633	15	SH		OTR		0	0	15
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,006	43	SH		OTR		0	0	43
SPDR SER TR	PORTFOLIO INTRMD	78464A375	1,993,504	60,722	SH		SOLE		0	0	60,722
SPDR SER TR	PORTFOLIO S&P600	78468R853	769,395	18,241	SH		SOLE		0	0	18,241
SPDR SER TR	PORTFOLIO INTRMD	78464A375	4,695	143	SH		OTR		0	0	143
SPDR SER TR	PRTFLO S&P500 GW	78464A409	733,552	11,275	SH		SOLE		0	0	11,275
SPDR SER TR	PORTFOLIO S&P400	78464A847	829	17	SH		OTR		0	0	17
SPDR SER TR	PRTFLO S&P500 VL	78464A508	1,399,600	30,015	SH		SOLE		0	0	30,015
SPDR SER TR	PORTFOLIO S&P500	78464A854	3,251,871	58,173	SH		SOLE		0	0	58,173
STARBUCKS CORP	COM	855244109	16,610	173	SH		DFND		0	0	173
STARBUCKS CORP	COM	855244109	11,810	123	SH		OTR		0	0	123
STARBUCKS CORP	COM	855244109	1,173,819	12,226	SH		SOLE		0	0	12,226
STRYKER CORPORATION	COM	863667101	475,015	1,586	SH		SOLE		0	0	1,586
TESLA INC	COM	88160R101	513,112	2,065	SH		SOLE		0	0	2,065
THERMO FISHER SCIENTIFIC INC	COM	883556102	277,604	523	SH		SOLE		0	0	523
UNILEVER PLC	SPON ADR NEW	904767704	702,670	14,494	SH		SOLE		0	0	14,494
UNILEVER PLC	SPON ADR NEW	904767704	3,927	81	SH		OTR		0	0	81
UNILEVER PLC	SPON ADR NEW	904767704	4,848	100	SH		DFND		0	0	100
UNITED PARCEL SERVICE INC	CL B	911312106	543,230	3,455	SH		SOLE		0	0	3,455
UNITED PARCEL SERVICE INC	CL B	911312106	16,510	105	SH		DFND		0	0	105
UNITED PARCEL SERVICE INC	CL B	911312106	7,705	49	SH		OTR		0	0	49
VALERO ENERGY CORP	COM	91913Y100	13,000	100	SH		DFND		0	0	100
VALERO ENERGY CORP	COM	91913Y100	13,260	102	SH		OTR		0	0	102
VALERO ENERGY CORP	COM	91913Y100	1,389,440	10,688	SH		SOLE		0	0	10,688
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	225,597	951	SH		SOLE		0	0	951
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	570,024	1,305	SH		SOLE		0	0	1,305
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	13,541	210	SH		DFND		0	0	210
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	3,307,023	51,288	SH		SOLE		0	0	51,288
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	20,376	316	SH		OTR		0	0	316
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	26,242	154	SH		DFND		0	0	154
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	428,055	2,512	SH		SOLE		0	0	2,512
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	316,140	6,600	SH		SOLE		0	0	6,600
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	5,470	49	SH		DFND		0	0	49
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	1,583,255	14,183	SH		SOLE		0	0	14,183
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	4,661	34	SH		DFND		0	0	34
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	522,511	3,812	SH		SOLE		0	0	3,812
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	3,976	29	SH		OTR		0	0	29
VERIZON COMMUNICATIONS INC	COM	92343V104	496,698	13,175	SH		SOLE		0	0	13,175
VERIZON COMMUNICATIONS INC	COM	92343V104	2,828	75	SH		OTR		0	0	75
VERIZON COMMUNICATIONS INC	COM	92343V104	9,048	240	SH		DFND		0	0	240
WALMART INC	COM	931142103	102,473	650	SH		OTR		0	0	650
WALMART INC	COM	931142103	548,722	3,481	SH		SOLE		0	0	3,481
WELLTOWER INC	COM	95040Q104	243,470	2,700	SH		SOLE		0	0	2,700
ZOETIS INC	CL A	98978V103	346,863	1,757	SH		SOLE		0	0	1,757