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
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
AON PLC SHS CL A G0403H108 357 1,851 SH   SOLE   1,851 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,146 5,335 SH   SOLE   4,835 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 118 550 SH   OTR   550 0 0
LINDE PLC SHS G5494J103 400 1,887 SH   SOLE   1,887 0 0
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 301 8,591 SH   SOLE   8,591 0 0
MEDTRONIC PLC SHS G5960L103 837 9,129 SH   SOLE   9,129 0 0
MEDTRONIC PLC SHS G5960L103 16 170 SH   OTR   170 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 414 1,602 SH   SOLE   1,602 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 34 130 SH   OTR   130 0 0
AFLAC INC COM 001055102 377 10,454 SH   SOLE   10,454 0 0
AFLAC INC COM 001055102 25 690 SH   OTR   690 0 0
AIM INVT FDS INVESCO INVT FD DEVELPING MKT A 00143W701 237 5,618 SH   SOLE   5,618 0 0
AT&T INC COM 00206R102 1,332 44,054 SH   SOLE   42,598 0 1,456
AT&T INC COM 00206R102 111 3,685 SH   OTR   3,685 0 0
ABBOTT LABS COM 002824100 1,334 14,591 SH   SOLE   14,551 0 40
ABBOTT LABS COM 002824100 57 625 SH   OTR   625 0 0
ABBVIE INC COM 00287Y109 1,306 13,304 SH   SOLE   13,264 0 40
ABBVIE INC COM 00287Y109 55 559 SH   OTR   559 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,507 3,463 SH   SOLE   3,463 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 22 50 SH   OTR   50 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 807 9,128 SH   SOLE   9,128 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 794 3,680 SH   SOLE   3,680 0 0
ALLIANT ENERGY CORP COM 018802108 267 5,587 SH   SOLE   5,587 0 0
ALLIANT ENERGY CORP COM 018802108 14 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101 1,029 10,606 SH   SOLE   10,531 0 75
ALPHABET INC CAP STK CL C 02079K107 332 235 SH   SOLE   235 0 0
ALPHABET INC CAP STK CL A 02079K305 1,764 1,244 SH   SOLE   1,244 0 0
ALPHABET INC CAP STK CL A 02079K305 78 55 SH   OTR   55 0 0
AMAZON COM INC COM 023135106 1,330 482 SH   SOLE   482 0 0
AMAZON COM INC COM 023135106 55 20 SH   OTR   20 0 0
AMERICAN EXPRESS CO COM 025816109 374 3,926 SH   SOLE   3,926 0 0
AMERICAN TOWER CORP NEW COM 03027X100 332 1,283 SH   SOLE   1,283 0 0
AMERIPRISE FINL INC COM 03076C106 256 1,707 SH   SOLE   1,707 0 0
AMERIPRISE FINL INC COM 03076C106 20 130 SH   OTR   130 0 0
AMGEN INC COM 031162100 1,571 6,660 SH   SOLE   6,360 0 300
AMGEN INC COM 031162100 100 425 SH   OTR   425 0 0
ANSYS INC COM 03662Q105 1,094 3,749 SH   SOLE   3,749 0 0
ANTHEM INC COM 036752103 291 1,105 SH   SOLE   1,105 0 0
APPLE INC COM 037833100 5,014 13,744 SH   SOLE   13,744 0 0
APPLE INC COM 037833100 126 345 SH   OTR   345 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 535 10,107 SH   SOLE   10,107 0 0
AUTOZONE INC COM 053332102 387 343 SH   SOLE   343 0 0
AUTOZONE INC COM 053332102 17 15 SH   OTR   15 0 0
BCE INC COM NEW 05534B760 321 7,686 SH   SOLE   7,686 0 0
BCE INC COM NEW 05534B760 12 285 SH   OTR   285 0 0
BECTON DICKINSON & CO COM 075887109 282 1,178 SH   SOLE   1,178 0 0
BECTON DICKINSON & CO COM 075887109 12 50 SH   OTR   50 0 0
BERKLEY W R CORP COM 084423102 1,059 18,484 SH   SOLE   18,484 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 267 1 SH   OTR   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 292 1,637 SH   SOLE   1,637 0 0
BIO RAD LABS INC CL A 090572207 396 878 SH   SOLE   878 0 0
BLACKROCK INC COM 09247X101 1,215 2,233 SH   SOLE   2,233 0 0
BLACKROCK INC COM 09247X101 73 135 SH   OTR   135 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 638 11,264 SH   SOLE   11,264 0 0
BOEING CO COM 097023105 294 1,602 SH   SOLE   1,602 0 0
BOEING CO COM 097023105 3 15 SH   OTR   15 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,708 29,040 SH   SOLE   28,240 0 800
BRISTOL-MYERS SQUIBB CO COM 110122108 162 2,750 SH   OTR   2,750 0 0
BURLINGTON STORES INC COM 122017106 475 2,411 SH   SOLE   2,411 0 0
CME GROUP INC COM 12572Q105 285 1,755 SH   SOLE   1,755 0 0
CME GROUP INC COM 12572Q105 53 325 SH   OTR   325 0 0
CVS HEALTH CORP COM 126650100 319 4,914 SH   SOLE   4,914 0 0
CVS HEALTH CORP COM 126650100 16 250 SH   OTR   250 0 0
CABLE ONE INC COM 12685J105 479 270 SH   SOLE   270 0 0
CASEYS GEN STORES INC COM 147528103 306 2,047 SH   SOLE   2,047 0 0
CERNER CORP COM 156782104 295 4,310 SH   SOLE   4,310 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 637 1,248 SH   SOLE   1,248 0 0
CHEMED CORP NEW COM 16359R103 341 757 SH   SOLE   757 0 0
CHEVRON CORP NEW COM 166764100 1,899 21,283 SH   SOLE   20,955 0 328
CHEVRON CORP NEW COM 166764100 63 705 SH   OTR   705 0 0
CHURCH & DWIGHT INC COM 171340102 265 3,427 SH   SOLE   3,427 0 0
CHURCH & DWIGHT INC COM 171340102 7 95 SH   OTR   95 0 0
CISCO SYS INC COM 17275R102 514 11,027 SH   SOLE   9,177 0 1,850
CISCO SYS INC COM 17275R102 94 2,005 SH   OTR   2,005 0 0
CINTAS CORP COM 172908105 447 1,680 SH   SOLE   1,680 0 0
COCA COLA CO COM 191216100 945 21,141 SH   SOLE   20,991 0 150
COCA COLA CO COM 191216100 56 1,252 SH   OTR   1,252 0 0
COLGATE PALMOLIVE CO COM 194162103 531 7,249 SH   SOLE   7,249 0 0
COLGATE PALMOLIVE CO COM 194162103 33 450 SH   OTR   450 0 0
COMCAST CORP NEW CL A 20030N101 1,081 27,729 SH   SOLE   27,729 0 0
COMCAST CORP NEW CL A 20030N101 45 1,145 SH   OTR   1,145 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 951 5,681 SH   SOLE   5,681 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 31 187 SH   OTR   187 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 492 16,277 SH   SOLE   16,277 0 0
DANAHER CORPORATION COM 235851102 429 2,425 SH   SOLE   2,425 0 0
DISNEY WALT CO COM DISNEY 254687106 397 3,559 SH   SOLE   3,547 0 12
DISNEY WALT CO COM DISNEY 254687106 33 300 SH   OTR   300 0 0
DOLLAR GEN CORP NEW COM 256677105 365 1,918 SH   SOLE   1,918 0 0
DOMINION ENERGY INC COM 25746U109 1,104 13,598 SH   SOLE   11,873 0 1,725
DOMINION ENERGY INC COM 25746U109 210 2,583 SH   OTR   2,583 0 0
DOVER CORP COM 260003108 1,013 10,495 SH   SOLE   10,495 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 233 2,912 SH   SOLE   2,112 0 800
DUKE REALTY CORP COM NEW 264411505 475 13,432 SH   SOLE   13,432 0 0
ECOLAB INC COM 278865100 1,118 5,617 SH   SOLE   5,617 0 0
ECOLAB INC COM 278865100 28 143 SH   OTR   143 0 0
ELECTRONIC ARTS INC COM 285512109 1,450 10,978 SH   SOLE   10,978 0 0
EXXON MOBIL CORP COM 30231G102 633 14,154 SH   SOLE   13,954 0 200
EXXON MOBIL CORP COM 30231G102 127 2,845 SH   OTR   2,845 0 0
FACEBOOK INC CL A 30303M102 634 2,794 SH   SOLE   2,794 0 0
FAIR ISAAC CORP COM 303250104 453 1,084 SH   SOLE   1,084 0 0
FISERV INC COM 337738108 1,058 10,835 SH   SOLE   10,835 0 0
FISERV INC COM 337738108 29 300 SH   OTR   300 0 0
FORTINET INC COM 34959E109 289 2,105 SH   SOLE   2,105 0 0
GALLAGHER ARTHUR J & CO COM 363576109 526 5,391 SH   SOLE   5,391 0 0
GALLAGHER ARTHUR J & CO COM 363576109 9 90 SH   OTR   90 0 0
GENERAL DYNAMICS CORP COM 369550108 683 4,573 SH   SOLE   4,173 0 400
GENERAL DYNAMICS CORP COM 369550108 214 1,435 SH   OTR   1,435 0 0
GENTEX CORP COM 371901109 1,150 44,640 SH   SOLE   44,640 0 0
GENTEX CORP COM 371901109 33 1,287 SH   OTR   1,287 0 0
GILEAD SCIENCES INC COM 375558103 385 5,002 SH   SOLE   5,002 0 0
GLOBAL PMTS INC COM 37940X102 507 2,991 SH   SOLE   2,991 0 0
HERSHEY CO COM 427866108 200 1,542 SH   SOLE   1,542 0 0
HERSHEY CO COM 427866108 26 200 SH   OTR   200 0 0
HESS CORP COM 42809H107 343 6,613 SH   SOLE   6,613 0 0
HOME DEPOT INC COM 437076102 1,747 6,972 SH   SOLE   6,442 0 530
HOME DEPOT INC COM 437076102 274 1,095 SH   OTR   1,095 0 0
HONEYWELL INTL INC COM 438516106 243 1,679 SH   SOLE   1,679 0 0
HONEYWELL INTL INC COM 438516106 22 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109 990 5,661 SH   SOLE   4,901 0 760
ILLINOIS TOOL WKS INC COM 452308109 125 715 SH   OTR   715 0 0
INTEL CORP COM 458140100 1,385 23,154 SH   SOLE   23,034 0 120
INTEL CORP COM 458140100 67 1,125 SH   OTR   1,125 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,029 11,231 SH   SOLE   11,231 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 410 3,397 SH   SOLE   3,387 0 10
INTERNATIONAL BUSINESS MACHS COM 459200101 40 335 SH   OTR   335 0 0
INTUIT COM 461202103 523 1,765 SH   SOLE   1,765 0 0
ISHARES TR CORE US AGGBD ET 464287226 16,377 138,538 SH   SOLE   138,278 0 260
ISHARES TR CORE US AGGBD ET 464287226 494 4,176 SH   OTR   4,176 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 921 23,029 SH   SOLE   23,029 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10 260 SH   OTR   260 0 0
ISHARES TR IBOXX INV CP ETF 464287242 16,351 121,569 SH   SOLE   121,382 0 187
ISHARES TR IBOXX INV CP ETF 464287242 509 3,785 SH   OTR   3,785 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 336 1,620 SH   SOLE   1,620 0 0
ISHARES TR S&P 500 VAL ETF 464287408 258 2,385 SH   SOLE   2,385 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,834 95,840 SH   SOLE   95,730 0 110
ISHARES TR MSCI EAFE ETF 464287465 131 2,151 SH   OTR   2,151 0 0
ISHARES TR RUS MID CAP ETF 464287499 4,402 82,118 SH   SOLE   82,070 0 48
ISHARES TR RUS MID CAP ETF 464287499 154 2,868 SH   OTR   2,868 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 241 1,100 SH   SOLE   1,100 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 110 500 SH   OTR   500 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 679 6,029 SH   SOLE   6,029 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 306 1,595 SH   SOLE   1,595 0 0
ISHARES TR RUS 1000 ETF 464287622 305 1,775 SH   SOLE   1,690 0 85
ISHARES TR RUS 1000 ETF 464287622 112 652 SH   OTR   652 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,896 20,228 SH   SOLE   20,208 0 20
ISHARES TR RUSSELL 2000 ETF 464287655 154 1,078 SH   OTR   1,078 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 4,789 26,597 SH   SOLE   26,597 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 689 3,825 SH   OTR   3,825 0 0
ISHARES TR U.S. TECH ETF 464287721 179 665 SH   SOLE   665 0 0
ISHARES TR U.S. TECH ETF 464287721 81 300 SH   OTR   300 0 0
ISHARES TR US INDUSTRIALS 464287754 301 1,998 SH   SOLE   1,998 0 0
ISHARES TR US INDUSTRIALS 464287754 38 250 SH   OTR   250 0 0
ISHARES TR U.S. FINLS ETF 464287788 1,007 9,145 SH   SOLE   9,145 0 0
ISHARES TR U.S. FINLS ETF 464287788 80 725 SH   OTR   725 0 0
ISHARES TR CORE S&P SCP ETF 464287804 312 4,566 SH   SOLE   4,566 0 0
ISHARES TR NATIONAL MUN ETF 464288414 538 4,660 SH   SOLE   4,660 0 0
ISHARES TR IBOXX HI YD ETF 464288513 5,488 67,239 SH   SOLE   67,239 0 0
ISHARES TR IBOXX HI YD ETF 464288513 244 2,994 SH   OTR   2,994 0 0
ISHARES TR MBS ETF 464288588 629 5,681 SH   SOLE   5,681 0 0
ISHARES TR MBS ETF 464288588 4 35 SH   OTR   35 0 0
ISHARES TR INTRM TR CRP ETF 464288638 295 4,884 SH   SOLE   4,884 0 0
ISHARES TR INTRM TR CRP ETF 464288638 39 650 SH   OTR   650 0 0
ISHARES TR SH TR CRPORT ETF 464288646 301 5,502 SH   SOLE   5,502 0 0
ISHARES TR SH TR CRPORT ETF 464288646 1 22 SH   OTR   22 0 0
JPMORGAN CHASE & CO COM 46625H100 2,687 28,570 SH   SOLE   28,473 0 97
JPMORGAN CHASE & CO COM 46625H100 128 1,358 SH   OTR   1,358 0 0
JOHNSON & JOHNSON COM 478160104 1,893 13,462 SH   SOLE   13,462 0 0
JOHNSON & JOHNSON COM 478160104 67 473 SH   OTR   473 0 0
KIMBERLY CLARK CORP COM 494368103 78 550 SH   SOLE   550 0 0
KIMBERLY CLARK CORP COM 494368103 198 1,400 SH   OTR   1,400 0 0
KINDER MORGAN INC DEL COM 49456B101 659 43,421 SH   SOLE   43,421 0 0
KINDER MORGAN INC DEL COM 49456B101 17 1,118 SH   OTR   1,118 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 1,486 8,757 SH   SOLE   8,757 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 114 670 SH   OTR   670 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 290 1,743 SH   SOLE   1,743 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 17 100 SH   OTR   100 0 0
LEIDOS HOLDINGS INC COM 525327102 804 8,583 SH   SOLE   8,583 0 0
LILLY ELI & CO COM 532457108 1,263 7,695 SH   SOLE   7,695 0 0
LILLY ELI & CO COM 532457108 53 325 SH   OTR   325 0 0
LOCKHEED MARTIN CORP COM 539830109 1,099 3,011 SH   SOLE   3,011 0 0
LOWES COS INC COM 548661107 583 4,314 SH   SOLE   4,314 0 0
LOWES COS INC COM 548661107 14 100 SH   OTR   100 0 0
LULULEMON ATHLETICA INC COM 550021109 575 1,842 SH   SOLE   1,842 0 0
LULULEMON ATHLETICA INC COM 550021109 8 27 SH   OTR   27 0 0
MSCI INC COM 55354G100 202 605 SH   SOLE   605 0 0
MSCI INC COM 55354G100 25 75 SH   OTR   75 0 0
MARKETAXESS HLDGS INC COM 57060D108 410 819 SH   SOLE   819 0 0
MARKETAXESS HLDGS INC COM 57060D108 36 72 SH   OTR   72 0 0
MATCH GROUP INC COM COM 57665R106 507 4,738 SH   SOLE   4,738 0 0
MCDONALDS CORP COM 580135101 2,018 10,942 SH   SOLE   10,902 0 40
MCDONALDS CORP COM 580135101 46 250 SH   OTR   250 0 0
MERCK & CO. INC COM 58933Y105 1,596 20,634 SH   SOLE   20,634 0 0
MERCK & CO. INC COM 58933Y105 31 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104 7,682 37,747 SH   SOLE   37,167 0 580
MICROSOFT CORP COM 594918104 616 3,025 SH   OTR   3,025 0 0
MONDELEZ INTL INC CL A 609207105 1,285 25,139 SH   SOLE   24,989 0 150
NEXTERA ENERGY INC COM 65339F101 1,615 6,725 SH   SOLE   6,575 0 150
NEXTERA ENERGY INC COM 65339F101 286 1,190 SH   OTR   1,190 0 0
NORFOLK SOUTHERN CORP COM 655844108 691 3,938 SH   SOLE   2,988 0 950
NORFOLK SOUTHERN CORP COM 655844108 14 80 SH   OTR   80 0 0
NVIDIA CORPORATION COM 67066G104 1,276 3,360 SH   SOLE   3,360 0 0
ORACLE CORP COM 68389X105 1,211 21,914 SH   SOLE   20,914 0 1,000
ORACLE CORP COM 68389X105 158 2,850 SH   OTR   2,850 0 0
PNC FINL SVCS GROUP INC COM 693475105 235 2,233 SH   SOLE   2,233 0 0
PEPSICO INC COM 713448108 1,041 7,872 SH   SOLE   7,862 0 10
PEPSICO INC COM 713448108 306 2,310 SH   OTR   2,310 0 0
PFIZER INC COM 717081103 518 15,833 SH   SOLE   15,633 0 200
PFIZER INC COM 717081103 69 2,122 SH   OTR   2,122 0 0
PHILIP MORRIS INTL INC COM 718172109 419 5,982 SH   SOLE   5,982 0 0
PROCTER AND GAMBLE CO COM 742718109 1,912 15,988 SH   SOLE   15,615 0 373
PROCTER AND GAMBLE CO COM 742718109 117 975 SH   OTR   975 0 0
PROGRESSIVE CORP OHIO COM 743315103 289 3,610 SH   SOLE   3,610 0 0
PROGRESSIVE CORP OHIO COM 743315103 14 175 SH   OTR   175 0 0
PROLOGIS INC. COM 74340W103 232 2,482 SH   SOLE   2,482 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 262 5,327 SH   SOLE   5,327 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 6 125 SH   OTR   125 0 0
RENT A CTR INC NEW COM 76009N100 368 13,242 SH   SOLE   13,242 0 0
ROPER TECHNOLOGIES INC COM 776696106 478 1,230 SH   SOLE   1,230 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,620 8,498 SH   SOLE   8,498 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 197 638 SH   OTR   638 0 0
SPDR GOLD TR GOLD SHS 78463V107 423 2,530 SH   SOLE   2,530 0 0
SPDR SER TR PORTFLI MORTGAGE 78464A383 7,611 284,112 SH   SOLE   284,112 0 0
SPDR SER TR PORTFLI MORTGAGE 78464A383 373 13,935 SH   OTR   13,935 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 513 1,580 SH   SOLE   1,580 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,894 39,397 SH   SOLE   38,957 0 440
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,773 17,466 SH   SOLE   17,466 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,028 20,522 SH   SOLE   20,522 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,854 35,239 SH   SOLE   35,239 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6 120 SH   OTR   120 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,797 42,800 SH   SOLE   42,800 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,445 59,329 SH   SOLE   59,329 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 59 2,405 SH   OTR   2,405 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,316 25,431 SH   SOLE   25,431 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,018 235,894 SH   SOLE   235,444 0 450
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 143 4,799 SH   OTR   4,799 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,533 98,380 SH   SOLE   98,380 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 446 7,919 SH   SOLE   7,919 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 21 380 SH   OTR   380 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,993 19,920 SH   SOLE   19,920 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 25 250 SH   OTR   250 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 983 16,760 SH   SOLE   16,760 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 18 300 SH   OTR   300 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,412 11,054 SH   SOLE   11,054 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 22 170 SH   OTR   170 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 289 7,625 SH   SOLE   7,625 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,228 53,062 SH   SOLE   53,062 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 19 825 SH   OTR   825 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 903 13,140 SH   SOLE   13,140 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 5 70 SH   OTR   70 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,665 35,076 SH   SOLE   34,951 0 125
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 51 490 SH   OTR   490 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,362 25,199 SH   SOLE   25,199 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 11 200 SH   OTR   200 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 385 6,826 SH   SOLE   6,826 0 0
SERVICENOW INC COM 81762P102 611 1,509 SH   SOLE   1,509 0 0
SHERWIN WILLIAMS CO COM 824348106 1,398 2,419 SH   SOLE   2,419 0 0
SHERWIN WILLIAMS CO COM 824348106 25 43 SH   OTR   43 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 537 4,200 SH   SOLE   4,140 0 60
SYNOPSYS INC COM 871607107 1,390 7,129 SH   SOLE   7,089 0 40
TERADYNE INC COM 880770102 1,339 15,847 SH   SOLE   15,847 0 0
TESLA INC COM 88160R101 289 268 SH   SOLE   268 0 0
TEXAS INSTRS INC COM 882508104 1,427 11,242 SH   SOLE   11,242 0 0
TEXAS INSTRS INC COM 882508104 83 650 SH   OTR   650 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,640 7,287 SH   SOLE   6,687 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102 58 160 SH   OTR   160 0 0
3M CO COM 88579Y101 429 2,752 SH   SOLE   2,752 0 0
3M CO COM 88579Y101 31 200 SH   OTR   200 0 0
UDR INC COM 902653104 406 10,870 SH   SOLE   8,709 0 2,161
UDR INC COM 902653104 141 3,776 SH   OTR   3,776 0 0
UNION PAC CORP COM 907818108 882 5,215 SH   SOLE   5,215 0 0
UNION PAC CORP COM 907818108 61 360 SH   OTR   360 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,153 3,909 SH   SOLE   3,909 0 0
UNITEDHEALTH GROUP INC COM 91324P102 38 130 SH   OTR   130 0 0
VALERO ENERGY CORP COM 91913Y100 524 8,916 SH   SOLE   8,916 0 0
VALERO ENERGY CORP COM 91913Y100 16 280 SH   OTR   280 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,478 112,204 SH   SOLE   112,204 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 259 4,488 SH   OTR   4,488 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 333 1,175 SH   SOLE   1,175 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 830 10,568 SH   SOLE   10,388 0 180
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 35 440 SH   OTR   440 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,788 32,438 SH   SOLE   31,438 0 1,000
VERIZON COMMUNICATIONS INC COM 92343V104 80 1,445 SH   OTR   1,445 0 0
VERISK ANALYTICS INC COM 92345Y106 319 1,873 SH   SOLE   1,873 0 0
VISA INC COM CL A 92826C839 2,467 12,771 SH   SOLE   12,771 0 0
VISA INC COM CL A 92826C839 32 165 SH   OTR   165 0 0
WALMART INC COM 931142103 925 7,722 SH   SOLE   7,662 0 60
WALMART INC COM 931142103 53 440 SH   OTR   440 0 0
WASTE MGMT INC DEL COM 94106L109 1,637 15,460 SH   SOLE   15,460 0 0
WASTE MGMT INC DEL COM 94106L109 10 95 SH   OTR   95 0 0
WELLS FARGO CO NEW COM 949746101 196 7,652 SH   SOLE   7,052 0 600
WELLS FARGO CO NEW COM 949746101 36 1,400 SH   OTR   1,400 0 0
WENDYS CO COM 95058W100 968 44,426 SH   SOLE   44,426 0 0
WENDYS CO COM 95058W100 34 1,580 SH   OTR   1,580 0 0
WINGSTOP INC COM 974155103 477 3,431 SH   SOLE   3,431 0 0
XCEL ENERGY INC COM 98389B100 1,109 17,738 SH   SOLE   17,738 0 0
XCEL ENERGY INC COM 98389B100 18 290 SH   OTR   290 0 0
ZYNGA INC CL A 98986T108 745 78,044 SH   SOLE   78,044 0 0