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
APPLE INC COM 037833100 3,354 14,859 SH   SOLE   14,406 0 453
APPLE INC COM 037833100 23 100 SH   OTR   0 0 100
ABBOTT LABS COM 002824100 209 2,855 SH   SOLE   2,855 0 0
AMAZON COM INC COM 023135106 723 361 SH   SOLE   326 0 35
ARK ETF TR INNOVATION ETF 00214Q104 1,549 32,720 SH   SOLE   28,607 0 4,113
AMERICAN EXPRESS CO COM 025816109 234 2,200 SH   SOLE   2,200 0 0
BOEING CO COM 097023105 352 947 SH   SOLE   947 0 0
BANK AMER CORP COM 060505104 274 9,310 SH   SOLE   9,310 0 0
BIOGEN INC COM 09062X103 532 1,505 SH   SOLE   1,505 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 354 4,396 SH   SOLE   4,035 0 361
BRISTOL MYERS SQUIBB CO COM 110122108 385 6,200 SH   SOLE   2,500 0 3,700
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,957 24,865 SH   SOLE   24,498 0 367
BP PLC SPONSORED ADR 055622104 225 4,876 SH   SOLE   876 0 4,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,842 13,272 SH   SOLE   12,419 0 853
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 8,148 104,417 SH   SOLE   98,959 0 5,458
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 176 2,252 SH   OTR   0 0 2,252
CATERPILLAR INC DEL COM 149123101 254 1,667 SH   SOLE   1,667 0 0
CAPITAL ONE FINL CORP COM 14040H105 409 4,310 SH   SOLE   4,310 0 0
CISCO SYS INC COM 17275R102 291 5,975 SH   SOLE   5,975 0 0
CHEVRON CORP NEW COM 166764100 328 2,679 SH   SOLE   1,873 0 806
DANAHER CORP DEL COM 235851102 347 3,190 SH   SOLE   3,190 0 0
CREDIT SUISSE HIGH YLD BND F SH BEN INT 22544F103 27 10,350 SH   SOLE   10,350 0 0
DOWDUPONT INC COM 26078J100 268 4,166 SH   SOLE   701 0 3,465
ISHARES TR MSCI EMG MKT ETF 464287234 374 8,720 SH   SOLE   8,720 0 0
ISHARES TR MSCI EAFE ETF 464287465 247 3,633 SH   SOLE   3,487 0 146
FORD MTR CO DEL COM PAR $0.01 345370860 175 18,917 SH   SOLE   8,917 0 10,000
FACEBOOK INC CL A 30303M102 404 2,457 SH   SOLE   2,457 0 0
ALPHABET INC CAP STK CL C 02079K107 247 207 SH   SOLE   207 0 0
ALPHABET INC CAP STK CL C 02079K107 955 800 SH   OTR   0 0 800
ALPHABET INC CAP STK CL A 02079K305 186 154 SH   SOLE   129 0 25
ALPHABET INC CAP STK CL A 02079K305 115 95 SH   OTR   0 0 95
WESTERN ASSET HIGH INCM OPP COM 95766K109 88 18,519 SH   SOLE   18,519 0 0
ISHARES TR CORE S&P MCP ETF 464287507 263 1,305 SH   SOLE   1,305 0 0
INTEL CORP COM 458140100 1,488 31,462 SH   SOLE   30,859 0 603
INTUIT COM 461202103 767 3,375 SH   SOLE   3,375 0 0
ISHARES TR CORE S&P500 ETF 464287200 213 729 SH   SOLE   729 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 722 4,077 SH   SOLE   4,077 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 510 4,028 SH   SOLE   3,876 0 152
ISHARES TR RUS 1000 GRW ETF 464287614 366 2,349 SH   SOLE   2,349 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 571 3,389 SH   SOLE   2,496 0 893
ISHARES TR RUS MID CAP ETF 464287499 485 2,198 SH   SOLE   2,198 0 0
HANCOCK JOHN INVS TR COM 410142103 163 10,139 SH   SOLE   10,139 0 0
JOHNSON & JOHNSON COM 478160104 459 3,321 SH   SOLE   1,771 0 1,550
JPMORGAN CHASE & CO COM 46625H100 757 6,711 SH   SOLE   6,320 0 391
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 35,200 701,892 SH   SOLE   689,689 0 12,203
MASTERCARD INCORPORATED CL A 57636Q104 383 1,720 SH   SOLE   1,620 0 100
MONDELEZ INTL INC CL A 609207105 241 5,621 SH   SOLE   3,619 0 2,002
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 345 938 SH   SOLE   938 0 0
MARSH & MCLENNAN COS INC COM 571748102 264 3,190 SH   SOLE   3,190 0 0
3M CO COM 88579Y101 715 3,394 SH   SOLE   3,009 0 385
ALTRIA GROUP INC COM 02209S103 228 3,781 SH   SOLE   2,801 0 980
MICROSOFT CORP COM 594918104 1,732 15,142 SH   SOLE   14,588 0 554
NEXTERA ENERGY INC COM 65339F101 251 1,496 SH   SOLE   1,496 0 0
NORFOLK SOUTHERN CORP COM 655844108 282 1,560 SH   SOLE   1,560 0 0
NORFOLK SOUTHERN CORP COM 655844108 18 100 SH   OTR   0 0 100
PFIZER INC COM 717081103 267 6,050 SH   SOLE   514 0 5,536
PROCTER AND GAMBLE CO COM 742718109 490 5,890 SH   SOLE   5,414 0 476
PRAXAIR INC COM 74005P104 353 2,195 SH   SOLE   2,195 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 8,218 76,942 SH   SOLE   72,240 0 4,702
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 208 1,950 SH   OTR   0 0 1,950
RAYTHEON CO COM NEW 755111507 341 1,650 SH   SOLE   1,650 0 0
STARBUCKS CORP COM 855244109 211 3,704 SH   SOLE   2,304 0 1,400
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 857 12,177 SH   SOLE   12,177 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 343 13,338 SH   SOLE   13,338 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,047 31,211 SH   SOLE   31,211 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 350 8,376 SH   SOLE   8,376 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 221 3,824 SH   SOLE   3,824 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3 51 SH   OTR   0 0 51
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 361 7,285 SH   SOLE   7,285 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18 356 SH   OTR   0 0 356
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 498 9,903 SH   SOLE   9,903 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 17 329 SH   OTR   0 0 329
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,733 23,159 SH   SOLE   21,849 0 1,310
SPDR S&P 500 ETF TR TR UNIT 78462F103 159 548 SH   OTR   0 0 548
AT&T INC COM 00206R102 413 12,308 SH   SOLE   6,422 0 5,886
TEXAS INSTRS INC COM 882508104 242 2,260 SH   SOLE   2,260 0 0
UNION PAC CORP COM 907818108 600 3,683 SH   SOLE   3,425 0 258
UNITED PARCEL SERVICE INC CL B 911312106 303 2,599 SH   SOLE   2,599 0 0
VISA INC COM CL A 92826C839 451 3,005 SH   SOLE   3,005 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,391 8,553 SH   SOLE   8,210 0 343
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,458 33,705 SH   SOLE   30,739 0 2,966
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 24,163 299,486 SH   SOLE   286,001 0 13,485
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 234 2,901 SH   OTR   0 0 2,901
VANGUARD INDEX FDS MID CAP ETF 922908629 7,637 46,511 SH   SOLE   43,872 0 2,639
VANGUARD INDEX FDS MID CAP ETF 922908629 111 678 SH   OTR   0 0 678
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,592 10,640 SH   SOLE   10,070 0 570
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 663 13,704 SH   SOLE   13,704 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 517 4,667 SH   SOLE   3,418 0 1,249
VANGUARD INDEX FDS GROWTH ETF 922908736 1,847 11,470 SH   SOLE   11,030 0 440
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,955 72,066 SH   SOLE   67,856 0 4,210
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 135 3,284 SH   OTR   0 0 3,284
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 285 3,270 SH   SOLE   3,270 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 219 4,104 SH   SOLE   4,104 0 0
WELLS FARGO CO NEW COM 949746101 237 4,500 SH   SOLE   800 0 3,700
WALMART INC COM 931142103 456 4,852 SH   SOLE   4,852 0 0
EXXON MOBIL CORP COM 30231G102 556 6,537 SH   SOLE   4,410 0 2,127
ISHARES TR EXPONENTIAL TECH 46434V381 11,245 290,420 SH   SOLE   277,385 0 13,035