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
ABBOTT LABORATORIES Common Stock 002824100 20 163 SH   SOLE   163 0 0
ABBOTT LABORATORIES Common Stock 002824100 336 2,800 SH   OTR   2,800 0 0
ABBVIE INC COMMON Common Stock 00287Y109 310 2,863 SH   SOLE   2,863 0 0
ABBVIE INC COMMON Common Stock 00287Y109 281 2,600 SH   OTR   2,600 0 0
ACCENTURE PLC Int'l Common Stock G1151C101 323 1,168 SH   SOLE   1,168 0 0
ACTIVISION BIZZARD INC Common Stock 00507V109 324 3,482 SH   SOLE   3,482 0 0
ADOBE SYSTEMS INC Common Stock 00724F101 849 1,787 SH   SOLE   1,787 0 0
ADOBE SYSTEMS INC Common Stock 00724F101 41 87 SH   OTR   87 0 0
AEROVIRONMENT INC COM Common Stock 008073108 463 3,988 SH   SOLE   3,988 0 0
ALPHABET INC CAP STOCK CL C Common Stock 02079K107 2,458 1,188 SH   SOLE   1,188 0 0
AMAZON COM INC Common Stock 023135106 2,837 917 SH   SOLE   917 0 0
AMAZON COM INC Common Stock 023135106 15 5 SH   OTR   5 0 0
AMERICAN EXPRESS CO Common Stock 025816109 624 4,412 SH   SOLE   4,412 0 0
AMGEN INC Common Stock 031162100 616 2,477 SH   SOLE   2,477 0 0
AON PLC COM USD0.01 CL A Int'l Common Stock G0403H108 260 1,120 SH   SOLE   1,120 0 0
APPLE INC Common Stock 037833100 5,123 41,937 SH   SOLE   41,937 0 0
APPLE INC Common Stock 037833100 297 2,434 SH   OTR   2,434 0 0
BANK OF AMERICA CORP Common Stock 060505104 625 16,143 SH   SOLE   16,143 0 0
BANK OF AMERICA CORP Common Stock 060505104 39 1,000 SH   OTR   1,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 932 3,648 SH   SOLE   3,648 0 0
BLACKROCK INC COM Common Stock 09247X101 437 579 SH   SOLE   579 0 0
BOEING CO Common Stock 097023105 522 2,049 SH   SOLE   2,049 0 0
BRISTOL MYERS SQUIBB CO Common Stock 110122108 600 9,505 SH   SOLE   9,505 0 0
BROADCOM INC COM Common Stock 11135F101 485 1,046 SH   SOLE   1,046 0 0
BURLINGTON STORES INC Common Stock 122017106 502 1,679 SH   SOLE   1,679 0 0
CALAMOS CONVERTIBLE & HIGH INCOME FUND Fixed Income ETF 12811P108 341 22,860 SH   SOLE   22,860 0 0
CATERPILLAR INC Common Stock 149123101 708 3,055 SH   SOLE   3,055 0 0
CATERPILLAR INC Common Stock 149123101 63 271 SH   OTR   271 0 0
CHEVRON CORP NEW Common Stock 166764100 283 2,703 SH   SOLE   2,703 0 0
CHEVRON CORP NEW Common Stock 166764100 13 128 SH   OTR   128 0 0
COMCAST CORP NEW CL A Common Stock 20030N101 557 10,287 SH   SOLE   10,287 0 0
COMMERCE BANCSHARES INC Common Stock 200525103 238 3,101 SH   SOLE   3,101 0 0
COMMERCE BANCSHARES INC Common Stock 200525103 12 155 SH   OTR   155 0 0
COMMUNICATIONS SERVICES SELECT SECTOR SPDR FUND Exchange Traded Fund 81369Y852 500 6,820 SH   SOLE   6,820 0 0
CONOCOPHILLIPS Common Stock 20825C104 269 5,076 SH   SOLE   5,076 0 0
CONSTRUCTION PARTNERS INC Common Stock 21044C107 317 10,597 SH   SOLE   10,597 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 2,342 13,933 SH   SOLE   13,933 0 0
CONSUMER DISCRETIONARY SELECT SECT SPDR Exchange Traded Fund 81369Y407 61 365 SH   OTR   365 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 1,252 18,327 SH   SOLE   18,327 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Exchange Traded Fund 81369Y308 93 1,360 SH   OTR   1,360 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 555 1,575 SH   SOLE   1,575 0 0
CVS HEALTH CORP Common Stock 126650100 430 5,711 SH   SOLE   5,711 0 0
DANAHER CORP Common Stock 235851102 704 3,126 SH   SOLE   3,126 0 0
DIAGEO PLC ADR NEW Int'l Common Stock 25243Q205 206 1,257 SH   SOLE   1,257 0 0
DISNEY WALT CO Common Stock 254687106 1,041 5,641 SH   SOLE   5,641 0 0
DISNEY WALT CO Common Stock 254687106 33 180 SH   OTR   180 0 0
DOLLAR GENERAL CORP Common Stock 256677105 318 1,567 SH   SOLE   1,567 0 0
DUPONT DE NEMOURS INC COM Common Stock 26614N102 360 4,653 SH   SOLE   4,653 0 0
EMCOR GROUP INC Common Stock 29084Q100 498 4,438 SH   SOLE   4,438 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 306 6,242 SH   SOLE   6,242 0 0
ENERGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y506 33 680 SH   OTR   680 0 0
ENPHASE ENERGY INC Common Stock 29355A107 622 3,834 SH   SOLE   3,834 0 0
EPAM SYS INC COM Common Stock 29414B104 839 2,115 SH   SOLE   2,115 0 0
ETSY INC Common Stock 29786A106 242 1,202 SH   SOLE   1,202 0 0
EXXON MOBIL CORP Common Stock 30231G102 381 6,816 SH   SOLE   6,816 0 0
EXXON MOBIL CORP Common Stock 30231G102 100 1,800 SH   OTR   1,800 0 0
FACEBOOK INC Common Stock 30303M102 907 3,081 SH   SOLE   3,081 0 0
FACEBOOK INC Common Stock 30303M102 16 53 SH   OTR   53 0 0
FEDEX CORP Common Stock 31428X106 400 1,408 SH   SOLE   1,408 0 0
FEDEX CORP Common Stock 31428X106 16 58 SH   OTR   58 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 2,353 69,116 SH   SOLE   69,116 0 0
FINANCIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y605 75 2,195 SH   OTR   2,195 0 0
GENTHERM INC Common Stock 37253A103 286 3,859 SH   SOLE   3,859 0 0
GOLDMAN SACHS GROUP INC Common Stock 38141G104 513 1,569 SH   SOLE   1,569 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 2,483 21,270 SH   SOLE   21,270 0 0
HEALTH CARE SELECT SECTOR SPDR Exchange Traded Fund 81369Y209 129 1,105 SH   OTR   1,105 0 0
HOME DEPOT INC Common Stock 437076102 328 1,075 SH   SOLE   1,075 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 633 2,917 SH   SOLE   2,917 0 0
IDEXX LABS INC COM Common Stock 45168D104 567 1,159 SH   SOLE   1,159 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 1,654 16,799 SH   SOLE   16,799 0 0
INDUSTRIAL SELECT SECTOR SPDR Exchange Traded Fund 81369Y704 120 1,215 SH   OTR   1,215 0 0
INTERCONTINENTAL EXCHANGE INC COM Common Stock 45866F104 276 2,470 SH   SOLE   2,470 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602 282 381 SH   SOLE   381 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602 44 60 SH   OTR   60 0 0
INVESCO QQQ TR UNIT SER 1 Exchange Traded Fund 46090E103 827 2,590 SH   SOLE   2,590 0 0
IPG PHOTONICS CORP COM Common Stock 44980X109 322 1,525 SH   SOLE   1,525 0 0
ISHARES 0-5 YEAR TIPS BOND ETF Fixed Income ETF 46429B747 927 8,770 SH   SOLE   8,770 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 36,828 92,575 SH   SOLE   92,575 0 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 4,906 12,331 SH   OTR   12,331 0 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 14,300 54,940 SH   SOLE   54,940 0 0
ISHARES CORE S&P MID-CAP ETF Exchange Traded Fund 464287507 1,538 5,909 SH   OTR   5,909 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 22,561 207,880 SH   SOLE   207,880 0 0
ISHARES CORE S&P SMALL-CAP ETF Exchange Traded Fund 464287804 1,898 17,485 SH   OTR   17,485 0 0
ISHARES CORE S&P US GROWTH ETF Exchange Traded Fund 464287671 848 9,345 SH   SOLE   9,345 0 0
iSHARES CORE S&P US VALUE ETF Exchange Traded Fund 464287663 821 11,911 SH   SOLE   11,911 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 12,004 381,335 SH   SOLE   381,335 0 0
ISHARES DOW JONES INTERNATIONAL SELECT Exchange Traded Fund 464288448 1,103 35,040 SH   OTR   35,040 0 0
ISHARES INVEST GRADE CORP BOND Fixed Income ETF 464287242 3,719 28,594 SH   SOLE   28,594 0 0
ISHARES INVEST GRADE CORP BOND Fixed Income ETF 464287242 612 4,709 SH   OTR   4,709 0 0
ISHARES MSCI EAFE INDEX ETF Exchange Traded Fund 464287465 289 3,810 SH   SOLE   3,810 0 0
ISHARES MSCI EAFE INDEX ETF Exchange Traded Fund 464287465 64 849 SH   OTR   849 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 4,757 75,313 SH   SOLE   75,313 0 0
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF Exchange Traded Fund 464286533 586 9,276 SH   OTR   9,276 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND Exchange Traded Fund 464287614 452 1,858 SH   SOLE   1,858 0 0
ISHARES TR S&P MC 400GR ETF Exchange Traded Fund 464287606 224 2,852 SH   SOLE   2,852 0 0
ISHARES TRUST ISHARES 1-5 YEAR INVESTMENT GRADE Fixed Income ETF 464288646 454 8,303 SH   SOLE   8,303 0 0
ISHARES TRUST ISHARES 1-5 YEAR INVESTMENT GRADE Fixed Income ETF 464288646 225 4,114 SH   OTR   4,114 0 0
JOHNSON & JOHNSON Common Stock 478160104 589 3,583 SH   SOLE   3,583 0 0
JOHNSON & JOHNSON Common Stock 478160104 183 1,114 SH   OTR   1,114 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 960 6,306 SH   SOLE   6,306 0 0
JPMORGAN CHASE & CO Common Stock 46625H100 38 250 SH   OTR   250 0 0
KANSAS CITY SOUTHERN Common Stock 485170302 439 1,664 SH   SOLE   1,664 0 0
KBR INC Common Stock 48242W106 485 12,643 SH   SOLE   12,643 0 0
KEYSIGHT TECHNOLOGIES INC Common Stock 49338L103 273 1,903 SH   SOLE   1,903 0 0
KROGER (THE) CO Common Stock 501044101 2,090 58,082 SH   SOLE   58,082 0 0
LAM RESEARCH CORP Common Stock 512807108 338 568 SH   SOLE   568 0 0
LEIDOS HODGS INC COM Common Stock 525327102 340 3,527 SH   SOLE   3,527 0 0
LILLY (ELI) & CO Common Stock 532457108 244 1,305 SH   SOLE   1,305 0 0
LILLY (ELI) & CO Common Stock 532457108 28 150 SH   OTR   150 0 0
MASTERCARD INC Common Stock 57636Q104 652 1,830 SH   SOLE   1,830 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 442 5,613 SH   SOLE   5,613 0 0
MATERIALS SELECT SECTOR SPDR Exchange Traded Fund 81369Y100 26 330 SH   OTR   330 0 0
MCDONALDS CORP Common Stock 580135101 195 871 SH   SOLE   871 0 0
MCDONALDS CORP Common Stock 580135101 13 56 SH   OTR   56 0 0
MERCADOLIBRE INC Common Stock 58733R102 221 150 SH   SOLE   150 0 0
METTLER TOLEDO INTERNATIONAL INC Common Stock 592688105 599 518 SH   SOLE   518 0 0
MICROSOFT CORP Common Stock 594918104 3,029 12,847 SH   SOLE   12,847 0 0
MICROSOFT CORP Common Stock 594918104 133 566 SH   OTR   566 0 0
MKS INSTRUMENT INC COM Common Stock 55306N104 382 2,062 SH   SOLE   2,062 0 0
MONOLITHIC POWER SYSTMS INC Common Stock 609839105 221 626 SH   SOLE   626 0 0
MORGAN STANLEY Common Stock 617446448 506 6,517 SH   SOLE   6,517 0 0
NETFLIX INC Common Stock 64110L106 644 1,235 SH   SOLE   1,235 0 0
NETFLIX INC Common Stock 64110L106 10 20 SH   OTR   20 0 0
NEXTERA ENERGY INC Common Stock 65339F101 416 5,503 SH   SOLE   5,503 0 0
NICE SYSTEMS LTD Int'l Common Stock 653656108 257 1,180 SH   SOLE   1,180 0 0
NIKE INC CL B Common Stock 654106103 661 4,972 SH   SOLE   4,972 0 0
NV5 GLOBAL INC COM Common Stock 62945V109 568 5,883 SH   SOLE   5,883 0 0
NVIDIA CORP Common Stock 67066G104 589 1,103 SH   SOLE   1,103 0 0
PAYPAL HOLDINGS INC Common Stock 70450Y103 678 2,792 SH   SOLE   2,792 0 0
PEPSICO INC Common Stock 713448108 460 3,250 SH   SOLE   3,250 0 0
PEPSICO INC Common Stock 713448108 102 722 SH   OTR   722 0 0
PROCTER & GAMBLE CO Common Stock 742718109 272 2,010 SH   SOLE   2,010 0 0
PROCTER & GAMBLE CO Common Stock 742718109 181 1,335 SH   OTR   1,335 0 0
QUALCOMM INC Common Stock 747525103 519 3,916 SH   SOLE   3,916 0 0
REXNORD CORP Common Stock 76169B102 316 6,721 SH   SOLE   6,721 0 0
ROPER TECHNOLOGIES INC Common Stock 776696106 242 601 SH   SOLE   601 0 0
S&P GLOBAL INC COM Common Stock 78409V104 401 1,135 SH   SOLE   1,135 0 0
SALESFORCE.COM INC Common Stock 79466L302 421 1,986 SH   SOLE   1,986 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 341 8,647 SH   SOLE   8,647 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC Exchange Traded Fund 81369Y860 12 305 SH   OTR   305 0 0
SKYWORKS SOLUTIONS INC Common Stock 83088M102 447 2,436 SH   SOLE   2,436 0 0
SOUTHERN CO Common Stock 842587107 502 8,079 SH   SOLE   8,079 0 0
SPDR SERIES TRUST PORTFOLIO SH Fixed Income ETF 78468R101 3,154 102,873 SH   SOLE   102,873 0 0
SPDR SERIES TRUST PORTFOLIO SH Fixed Income ETF 78468R101 250 8,155 SH   OTR   8,155 0 0
STARBUCKS CORP Common Stock 855244109 336 3,073 SH   SOLE   3,073 0 0
STARBUCKS CORP Common Stock 855244109 77 702 SH   OTR   702 0 0
STEPAN CO Common Stock 858586100 406 3,196 SH   SOLE   3,196 0 0
SYSCO CORP Common Stock 871829107 272 3,456 SH   SOLE   3,456 0 0
T MOBILE US INC Common Stock 872590104 462 3,685 SH   SOLE   3,685 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING CO Int'l Common Stock 874039100 232 1,962 SH   SOLE   1,962 0 0
TAKE-TWO INTERACTIVE SOFTWARE COM Common Stock 874054109 253 1,432 SH   SOLE   1,432 0 0
TARGET CORP Common Stock 87612E106 785 3,965 SH   SOLE   3,965 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 5,893 44,369 SH   SOLE   44,369 0 0
TECHNOLOGY SELECT SECTOR SPDR Exchange Traded Fund 81369Y803 343 2,580 SH   OTR   2,580 0 0
TESLA INC Common Stock 88160R101 2,258 3,380 SH   SOLE   3,380 0 0
TEXAS INSTRUMENTS Common Stock 882508104 514 2,718 SH   SOLE   2,718 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102 998 2,187 SH   SOLE   2,187 0 0
TYLER TECHNOLOGIES INC COM Common Stock 902252105 437 1,029 SH   SOLE   1,029 0 0
ULTA BEAUTY INC Common Stock 90384S303 330 1,068 SH   SOLE   1,068 0 0
UNION PACIFIC CORP Common Stock 907818108 581 2,634 SH   SOLE   2,634 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 360 968 SH   SOLE   968 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 16 43 SH   OTR   43 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 460 7,183 SH   SOLE   7,183 0 0
UTILITIES SELECT SECTOR SPDR Exchange Traded Fund 81369Y886 91 1,420 SH   OTR   1,420 0 0
VANGUARD EMERGING MARKETS GOVT BD IDX Fixed Income ETF 921946885 295 3,810 SH   SOLE   3,810 0 0
VANGUARD EMERGING MARKETS GOVT BD IDX Fixed Income ETF 921946885 29 372 SH   OTR   372 0 0
VANGUARD REAL ESTATE ETF Exchange Traded Fund 922908553 628 6,840 SH   SOLE   6,840 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC Fixed Income ETF 92206C771 3,679 68,935 SH   SOLE   68,935 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC Fixed Income ETF 92206C771 286 5,360 SH   OTR   5,360 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 142 2,436 SH   SOLE   2,436 0 0
VERIZON COMMUNICATIONS INC Common Stock 92343V104 123 2,122 SH   OTR   2,122 0 0
VISA INC CL A Common Stock 92826C839 629 2,969 SH   SOLE   2,969 0 0
VISA INC CL A Common Stock 92826C839 12 56 SH   OTR   56 0 0
WALMART INC Common Stock 931142103 1,298 9,556 SH   SOLE   9,556 0 0
WALMART INC Common Stock 931142103 27 200 SH   OTR   200 0 0
WASTE MANAGEMENT INC DEL Common Stock 94106L109 367 2,846 SH   SOLE   2,846 0 0
WELLS FARGO & CO NEW Common Stock 949746101 8 200 SH   SOLE   200 0 0
WELLS FARGO & CO NEW Common Stock 949746101 378 9,668 SH   OTR   9,668 0 0
WRAP TECHNOLOGIES INC Common Stock 98212N107 121 23,040 SH   SOLE   23,040 0 0
ZIMMER BIOMET HOLDINGS INC Common Stock 98956P102 535 3,343 SH   SOLE   3,343 0 0