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 LABS COMMON STOCK 002824100 415 4,957 SH   SOLE   4,957 0 0
ABBOTT LABS COMMON STOCK 002824100 83 991 SH   OTR   991 0 0
ABBVIE INC COMMON STOCK 00287Y109 457 6,037 SH   SOLE   6,037 0 0
ABBVIE INC COMMON STOCK 00287Y109 95 1,253 SH   OTR   1,253 0 0
ADOBE INC COMMON STOCK 00724F101 400 1,448 SH   SOLE   1,436 0 12
ALBEMARLE CORP COMMON STOCK 012653101 687 9,880 SH   SOLE   9,880 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 1,695 1,388 SH   SOLE   1,386 0 2
ALPHABET INC CL A COMMON STOCK 02079K305 67 55 SH   OTR   55 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 166 136 SH   SOLE   125 0 11
ALPHABET INC CL C COMMON STOCK 02079K107 37 30 SH   OTR   30 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 195 4,770 SH   SOLE   4,770 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 427 10,439 SH   OTR   10,439 0 0
AMAZON.COM INC COMMON STOCK 023135106 1,715 988 SH   SOLE   976 0 12
AMERICAN EXPRESS CO COMMON STOCK 025816109 155 1,311 SH   SOLE   1,311 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 71 600 SH   OTR   600 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 2,113 17,009 SH   SOLE   17,009 0 0
AMGEN INC COMMON STOCK 031162100 628 3,247 SH   SOLE   3,247 0 0
AMGEN INC COMMON STOCK 031162100 14 72 SH   OTR   72 0 0
ANTHEM INC COMMON STOCK 036752103 1,596 6,646 SH   SOLE   6,646 0 0
APPLE INC COMMON STOCK 037833100 4,624 20,646 SH   SOLE   20,552 0 94
APPLE INC COMMON STOCK 037833100 412 1,840 SH   OTR   1,840 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 1,454 29,144 SH   SOLE   29,144 0 0
ARCHER-DANIELS-MIDLAND CO COMMON STOCK 039483102 284 6,920 SH   SOLE   6,920 0 0
ARCHER-DANIELS-MIDLAND CO COMMON STOCK 039483102 4 86 SH   OTR   86 0 0
AT&T INC COMMON STOCK 00206R102 1,284 33,931 SH   SOLE   33,931 0 0
AT&T INC COMMON STOCK 00206R102 702 18,561 SH   OTR   18,561 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 773 4,791 SH   SOLE   4,791 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 296 1,834 SH   OTR   1,834 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 360 12,344 SH   SOLE   12,344 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 162 5,566 SH   OTR   5,566 0 0
BAXTER INTL INC COMMON STOCK 071813109 1,573 17,978 SH   SOLE   17,978 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,456 7,001 SH   SOLE   6,979 0 22
BLACKROCK INC CL A COMMON STOCK 09247X101 688 1,543 SH   SOLE   1,540 0 3
BLACKROCK INC CL A COMMON STOCK 09247X101 15 33 SH   OTR   33 0 0
BOEING CO COMMON STOCK 097023105 418 1,098 SH   SOLE   1,098 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,954 38,542 SH   SOLE   38,542 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 73 1,448 SH   OTR   1,448 0 0
CAMBRIDGE BANCORP COMMON STOCK 132152109 629 8,385 SH   SOLE   8,385 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 277 5,867 SH   SOLE   5,867 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 4 94 SH   OTR   94 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 860 20,554 SH   SOLE   20,554 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,059 17,360 SH   SOLE   17,330 0 30
CHEVRON CORPORATION COMMON STOCK 166764100 399 3,362 SH   OTR   3,362 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,238 25,054 SH   SOLE   24,863 0 191
CISCO SYSTEMS INC COMMON STOCK 17275R102 34 684 SH   OTR   684 0 0
COCA COLA CO COMMON STOCK 191216100 832 15,283 SH   SOLE   15,283 0 0
COCA COLA CO COMMON STOCK 191216100 22 400 SH   OTR   400 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 355 7,882 SH   SOLE   7,835 0 47
COMCAST CORP-CL A COMMON STOCK 20030N101 69 1,525 SH   OTR   1,525 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 225 3,957 SH   SOLE   3,957 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 87 1,534 SH   OTR   1,534 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,230 5,933 SH   SOLE   5,933 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 303 1,052 SH   SOLE   1,052 0 0
CSX CORP COMMON STOCK 126408103 189 2,734 SH   SOLE   2,734 0 0
CSX CORP COMMON STOCK 126408103 29 425 SH   OTR   425 0 0
CVS HEALTH CORP COMMON STOCK 126650100 162 2,567 SH   SOLE   2,567 0 0
CVS HEALTH CORP COMMON STOCK 126650100 40 637 SH   OTR   637 0 0
DANAHER CORP COMMON STOCK 235851102 311 2,150 SH   SOLE   2,123 0 27
DEERE & CO COMMON STOCK 244199105 297 1,760 SH   SOLE   1,760 0 0
DEERE & CO COMMON STOCK 244199105 101 600 SH   OTR   600 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,935 14,846 SH   SOLE   14,824 0 22
DISNEY WALT CO NEW COMMON STOCK 254687106 12 95 SH   OTR   95 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 98 1,018 SH   SOLE   1,018 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 217 2,264 SH   OTR   2,264 0 0
EMERSON ELEC CO COMMON STOCK 291011104 545 8,147 SH   SOLE   8,147 0 0
EMERSON ELEC CO COMMON STOCK 291011104 56 840 SH   OTR   840 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,853 26,249 SH   SOLE   26,249 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 706 9,992 SH   OTR   9,992 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,355 7,611 SH   SOLE   7,599 0 12
FEDEX CORPORATION COMMON STOCK 31428X106 991 6,809 SH   SOLE   6,809 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 161 18,059 SH   SOLE   18,059 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 26 2,900 SH   OTR   2,900 0 0
GENERAL MLS INC COMMON STOCK 370334104 356 6,464 SH   SOLE   6,464 0 0
GENERAL MLS INC COMMON STOCK 370334104 30 548 SH   OTR   548 0 0
GENUINE PARTS CO COMMON STOCK 372460105 316 3,170 SH   SOLE   3,170 0 0
GENUINE PARTS CO COMMON STOCK 372460105 141 1,416 SH   OTR   1,416 0 0
HOME DEPOT INC COMMON STOCK 437076102 743 3,202 SH   SOLE   3,191 0 11
HOME DEPOT INC COMMON STOCK 437076102 138 593 SH   OTR   593 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 342 2,020 SH   SOLE   2,020 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 478 2,828 SH   OTR   2,828 0 0
IDEXX LABS INC COMMON STOCK 45168D104 414 1,522 SH   SOLE   1,522 0 0
INTEL CORP COMMON STOCK 458140100 1,287 24,975 SH   SOLE   24,817 0 158
INTEL CORP COMMON STOCK 458140100 81 1,578 SH   OTR   1,578 0 0
INTERCONTINENTAL EXCHANGE INC COMMON STOCK 45866F104 2,160 23,411 SH   SOLE   23,380 0 31
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 740 5,091 SH   SOLE   5,091 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 51 350 SH   OTR   350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,716 20,989 SH   SOLE   20,912 0 77
JOHNSON & JOHNSON COMMON STOCK 478160104 270 2,087 SH   OTR   2,087 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,672 31,199 SH   SOLE   31,167 0 32
JP MORGAN CHASE & CO COMMON STOCK 46625H100 167 1,423 SH   OTR   1,423 0 0
LILLY ELI & CO COMMON STOCK 532457108 464 4,148 SH   SOLE   4,148 0 0
LILLY ELI & CO COMMON STOCK 532457108 83 739 SH   OTR   739 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,352 3,467 SH   SOLE   3,467 0 0
LOWES COS INC COMMON STOCK 548661107 1,239 11,266 SH   SOLE   11,239 0 27
LOWES COS INC COMMON STOCK 548661107 11 100 SH   OTR   100 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,278 5,952 SH   SOLE   5,952 0 0
MCDONALDS CORP COMMON STOCK 580135101 486 2,264 SH   OTR   2,264 0 0
MERCK & CO INC COMMON STOCK 58933Y105 626 7,436 SH   SOLE   7,436 0 0
MERCK & CO INC COMMON STOCK 58933Y105 104 1,241 SH   OTR   1,241 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,525 25,351 SH   SOLE   25,183 0 168
MICROSOFT CORP COMMON STOCK 594918104 237 1,705 SH   OTR   1,705 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 232 4,185 SH   SOLE   4,137 0 48
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 36 645 SH   OTR   645 0 0
NETAPP INC COMMON STOCK 64110D104 225 4,294 SH   SOLE   4,294 0 0
NETAPP INC COMMON STOCK 64110D104 3 55 SH   OTR   55 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 789 3,386 SH   SOLE   3,386 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 217 4,873 SH   SOLE   4,873 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 16 368 SH   OTR   368 0 0
ONEOK INC COMMON STOCK 682680103 329 4,471 SH   SOLE   4,471 0 0
PALO ALTO NETWORKS COMMON STOCK 697435105 1,338 6,565 SH   SOLE   6,565 0 0
PAYCHEX INC COMMON STOCK 704326107 410 4,953 SH   SOLE   4,953 0 0
PAYCHEX INC COMMON STOCK 704326107 3 39 SH   OTR   39 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,302 12,570 SH   SOLE   12,570 0 0
PEOPLES UNITED FINANCIAL, INC COMMON STOCK 712704105 536 34,258 SH   SOLE   34,258 0 0
PEOPLES UNITED FINANCIAL, INC COMMON STOCK 712704105 163 10,396 SH   OTR   10,396 0 0
PEPSICO INC COMMON STOCK 713448108 3,037 22,149 SH   SOLE   22,102 0 47
PEPSICO INC COMMON STOCK 713448108 248 1,806 SH   OTR   1,806 0 0
PFIZER INC COMMON STOCK 717081103 1,035 28,806 SH   SOLE   28,470 0 336
PFIZER INC COMMON STOCK 717081103 357 9,937 SH   OTR   9,937 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 213 2,804 SH   SOLE   2,804 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 534 7,034 SH   OTR   7,034 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,401 13,680 SH   SOLE   13,680 0 0
PHILLIPS 66 COMMON STOCK 718546104 50 493 SH   OTR   493 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 228 1,625 SH   SOLE   1,625 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 3 19 SH   OTR   19 0 0
PPL CORPORATION COMMON STOCK 69351T106 239 7,604 SH   SOLE   7,604 0 0
PPL CORPORATION COMMON STOCK 69351T106 3 83 SH   OTR   83 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 723 5,811 SH   SOLE   5,811 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 95 760 SH   OTR   760 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 407 4,522 SH   SOLE   4,522 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 6 67 SH   OTR   67 0 0
QUALCOMM INC COMMON STOCK 747525103 761 9,974 SH   SOLE   9,974 0 0
QUALCOMM INC COMMON STOCK 747525103 29 381 SH   OTR   381 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 1,347 6,865 SH   SOLE   6,865 0 0
SKYWORKS SOLUTIONS INC COMMON STOCK 83088M102 904 11,406 SH   SOLE   11,406 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 189 3,065 SH   SOLE   3,065 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 45 722 SH   OTR   722 0 0
STRYKER CORPORATION COMMON STOCK 863667101 1,538 7,109 SH   SOLE   7,109 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2 9 SH   OTR   9 0 0
SYSCO CORP COMMON STOCK 871829107 199 2,502 SH   SOLE   2,502 0 0
SYSCO CORP COMMON STOCK 871829107 13 166 SH   OTR   166 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 236 1,828 SH   SOLE   1,828 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 26 200 SH   OTR   200 0 0
TRADEWEB MARKETS INC CL A COMMON STOCK 892672106 711 19,218 SH   SOLE   19,218 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 387 3,230 SH   SOLE   3,230 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 58 488 SH   OTR   488 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 605 4,434 SH   SOLE   4,391 0 43
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 202 1,483 SH   OTR   1,483 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 260 3,056 SH   SOLE   3,056 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 4 42 SH   OTR   42 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,952 48,914 SH   SOLE   48,914 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 694 11,494 SH   OTR   11,494 0 0
VISA INC CL A COMMON STOCK 92826C839 2,228 12,951 SH   SOLE   12,808 0 143
VISA INC CL A COMMON STOCK 92826C839 69 400 SH   OTR   400 0 0
VMWARE INC. COMMON STOCK 928563402 1,061 7,069 SH   SOLE   7,069 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 1,619 29,273 SH   SOLE   29,273 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 11 200 SH   OTR   200 0 0
WALMART INC COMMON STOCK 931142103 1,708 14,394 SH   SOLE   14,331 0 63
WALMART INC COMMON STOCK 931142103 18 150 SH   OTR   150 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 538 4,680 SH   SOLE   4,680 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 2 21 SH   OTR   21 0 0
WELLS FARGO & CO COMMON STOCK 949746101 335 6,635 SH   SOLE   6,635 0 0
WELLS FARGO & CO COMMON STOCK 949746101 66 1,300 SH   OTR   1,300 0 0
3M CO COMMON STOCK 88579Y101 204 1,241 SH   SOLE   1,241 0 0
3M CO COMMON STOCK 88579Y101 206 1,256 SH   OTR   1,256 0 0
ABB LTD SPONS ADR COMMON STOCK 000375204 247 12,565 SH   SOLE   12,565 0 0
ABB LTD SPONS ADR COMMON STOCK 000375204 3 137 SH   OTR   137 0 0
BANCO SANTANDER SA SPONS ADR COMMON STOCK 05964H105 96 23,936 SH   SOLE   23,936 0 0
DIAGEO PLC SPONS ADR COMMON STOCK 25243Q205 376 2,299 SH   SOLE   2,299 0 0
DIAGEO PLC SPONS ADR COMMON STOCK 25243Q205 20 120 SH   OTR   120 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 201 2,312 SH   SOLE   2,312 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 11 125 SH   OTR   125 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 344 6,650 SH   SOLE   6,650 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 9 165 SH   OTR   165 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 259 1,344 SH   SOLE   1,332 0 12
ACCENTURE PLC CL A COMMON STOCK G1151C101 71 370 SH   OTR   370 0 0
CARNIVAL CORP COMMON STOCK 143658300 228 5,225 SH   SOLE   5,225 0 0
CARNIVAL CORP COMMON STOCK 143658300 3 71 SH   OTR   71 0 0
EATON CORP PLC COMMON STOCK G29183103 1,224 14,718 SH   SOLE   14,718 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 1,721 49,056 SH   SOLE   49,056 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 101 2,883 SH   OTR   2,883 0 0
ICON PLC COMMON STOCK G4705A100 1,177 7,990 SH   SOLE   7,990 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 219 1,781 SH   SOLE   1,781 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 260 2,395 SH   SOLE   2,365 0 30
PUBLIC STORAGE INC REIT OTR 74460D109 611 2,490 SH   SOLE   0 0 0
CONSUMER DISCRETIONARY SELT OTR 81369Y407 2,393 19,829 SH   SOLE   0 0 0
CONSUMER STAPLES SELECT SECTOR OTR 81369Y308 693 11,290 SH   SOLE   0 0 0
HEALTH CARE SELECT SECTOR SPDR OTR 81369Y209 227 2,519 SH   SOLE   0 0 0
ISHARES CORE MSCI EAFE ETF OTR 46432F842 34,766 569,278 SH   SOLE   0 0 0
ISHARES CORE MSCI EAFE ETF OTR 46432F842 792 12,966 SH   OTR   0 0 0
ISHARES CORE MSCI EMERGING OTR 46434G103 339 6,910 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTR 464287507 29,837 154,411 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTR 464287507 811 4,195 SH   OTR   0 0 0
ISHARES CORE S&P SMALL-CAP ETF OTR 464287804 30,341 389,793 SH   SOLE   0 0 0
ISHARES CORE S&P SMALL-CAP ETF OTR 464287804 1,025 13,164 SH   OTR   0 0 0
ISHARES CORE S&P 500 ETF OTR 464287200 68,439 229,262 SH   SOLE   0 0 0
ISHARES CORE S&P 500 ETF OTR 464287200 1,553 5,202 SH   OTR   0 0 0
ISHARES DJ INTL EPAC SELECT DI OTR 464288448 2,386 77,617 SH   SOLE   0 0 0
ISHARES DJ INTL EPAC SELECT DI OTR 464288448 8 270 SH   OTR   0 0 0
ISHARES DJ SELECT DIVIDEND ETF OTR 464287168 833 8,174 SH   SOLE   0 0 0
ISHARES DJ SELECT DIVIDEND ETF OTR 464287168 97 950 SH   OTR   0 0 0
ISHARES EDGE MSCI MIN VOL EAFE OTR 46429B689 326 4,450 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTR 464287465 398 6,103 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTR 464287465 182 2,791 SH   OTR   0 0 0
ISHARES MSCI EAFE GROWTH ETF OTR 464288885 403 5,002 SH   SOLE   0 0 0
ISHARES MSCI EMERGING MKT ETF OTR 464287234 368 9,015 SH   SOLE   0 0 0
ISHARES MSCI EMERGING MKT ETF OTR 464287234 14 350 SH   OTR   0 0 0
ISHARES MSCI INDIA ETF OTR 46429B598 570 16,968 SH   SOLE   0 0 0
ISHARES MSCI INDIA ETF OTR 46429B598 1 15 SH   OTR   0 0 0
ISHARES MSCI KLD 400 SOCIAL ET OTR 464288570 1,326 11,958 SH   SOLE   0 0 0
ISHARES NASDAQ BIOTECH ETF OTR 464287556 1,296 13,024 SH   SOLE   0 0 0
ISHARES RUSSELL MIDCAP ETF OTR 464287499 333 5,956 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 GROWTH ET OTR 464287648 250 1,296 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTR 464287606 824 3,680 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTR 464287606 41 185 SH   OTR   0 0 0
ISHARES S&P MIDCAP 400/VALUE E OTR 464287705 1,313 8,211 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP 600/VAL E OTR 464287879 1,015 6,761 SH   SOLE   0 0 0
ISHARES S&P SMALLCAP/600 GROWT OTR 464287887 351 1,965 SH   SOLE   0 0 0
ISHARES S&P 500 GROWTH ETF OTR 464287309 382 2,121 SH   SOLE   0 0 0
ISHARES S&P 500 VALUE ETF OTR 464287408 424 3,559 SH   SOLE   0 0 0
MATERIALS SELECT SPDR FUND OTR 81369Y100 817 14,032 SH   SOLE   0 0 0
MATERIALS SELECT SPDR FUND OTR 81369Y100 25 428 SH   OTR   0 0 0
SCHWAB EMERGING MARKETS ETF OTR 808524706 4,664 185,591 SH   SOLE   0 0 0
SCHWAB EMERGING MARKETS ETF OTR 808524706 71 2,828 SH   OTR   0 0 0
SCHWAB FUNDAMENTAL EM L/C OTR 808524730 824 30,079 SH   SOLE   0 0 0
SCHWAB INTL EQUITY ETF OTR 808524805 11,458 359,621 SH   SOLE   0 0 0
SCHWAB INTL EQUITY ETF OTR 808524805 80 2,520 SH   OTR   0 0 0
SCHWAB STRATEGIC TR OTR 808524201 32,779 462,138 SH   SOLE   0 0 0
SCHWAB US DVD EQUITY ETF OTR 808524797 1,473 26,881 SH   SOLE   0 0 0
SCHWAB US DVD EQUITY ETF OTR 808524797 884 16,130 SH   OTR   0 0 0
SCHWAB US MID CAP ETF OTR 808524508 8,968 158,610 SH   SOLE   0 0 0
SCHWAB US REIT ETF OTR 808524847 7,521 159,454 SH   SOLE   0 0 0
SCHWAB US REIT ETF OTR 808524847 31 653 SH   OTR   0 0 0
SCHWAB US SMALL CAP ETF OTR 808524607 8,660 124,192 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTR 78462F103 521 1,754 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTR 78462F103 300 1,011 SH   OTR   0 0 0
TECHNOLOGY SELECT SECT SPDR OTR 81369Y803 1,418 17,614 SH   SOLE   0 0 0
TECHNOLOGY SELECT SECT SPDR OTR 81369Y803 50 620 SH   OTR   0 0 0
UTILITIES SELECT SECTOR SPDR OTR 81369Y886 2,470 38,152 SH   SOLE   0 0 0
UTILITIES SELECT SECTOR SPDR OTR 81369Y886 50 780 SH   OTR   0 0 0
VANGUARD FTSE DEVELOPED MARKET OTR 921943858 2,944 71,656 SH   SOLE   0 0 0
VANGUARD FTSE DEVELOPED MARKET OTR 921943858 333 8,110 SH   OTR   0 0 0
VANGUARD FTSE EMERGING MARKETS OTR 922042858 14,541 361,187 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTR 922042858 441 10,960 SH   OTR   0 0 0
VANGUARD IND FD MID-CAP OTR 922908629 703 4,194 SH   SOLE   0 0 0
VANGUARD IND FD MID-CAP OTR 922908629 677 4,037 SH   OTR   0 0 0
VANGUARD INFO TECH ETF OTR 92204A702 259 1,200 SH   SOLE   0 0 0
VANGUARD MID-CAP VALUE INDEX OTR 922908512 1,791 15,853 SH   SOLE   0 0 0
VANGUARD REAL ESTATE ETF OTR 922908553 2,178 23,358 SH   SOLE   0 0 0
VANGUARD REAL ESTATE ETF OTR 922908553 333 3,572 SH   OTR   0 0 0
VANGUARD S&P MID CAP 400 ETF OTR 921932885 270 2,069 SH   SOLE   0 0 0
VANGUARD S&P SMALL-CAP 600 ETF OTR 921932828 274 1,919 SH   SOLE   0 0 0
VANGUARD S&P 500 ETF OTR 922908363 7,284 26,722 SH   SOLE   0 0 0
VANGUARD S&P 500 ETF OTR 922908363 810 2,970 SH   OTR   0 0 0
VANGUARD SMALL CAP VALUE ETF OTR 922908611 1,649 12,794 SH   SOLE   0 0 0
VANGUARD SMALL-CAP ETF OTR 922908751 600 3,900 SH   SOLE   0 0 0
VANGUARD SMALL-CAP ETF OTR 922908751 427 2,777 SH   OTR   0 0 0
VANGUARD TOT WORLD STK INDEX OTR 922042742 2,480 33,144 SH   SOLE   0 0 0
INVESCO SENIOR LOAN ETF OTR 46138G508 371 16,408 SH   SOLE   0 0 0
INVESCO SENIOR LOAN ETF OTR 46138G508 2 67 SH   OTR   0 0 0
INVESCO TAXABLE MUNICIPAL BOND OTR 46138G805 9,452 291,730 SH   SOLE   0 0 0
INVESCO TAXABLE MUNICIPAL BOND OTR 46138G805 127 3,923 SH   OTR   0 0 0
ISHARES BARCLAYS TIPS BOND ETF OTR 464287176 274 2,358 SH   SOLE   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTR 464287457 325 3,831 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE BO OTR 464287226 2,484 21,952 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE BO OTR 464287226 91 800 SH   OTR   0 0 0
ISHARES IBOXX USD HIGH YIELD OTR 464288513 271 3,107 SH   SOLE   0 0 0
ISHARES IBOXX USD HIGH YIELD OTR 464288513 169 1,935 SH   OTR   0 0 0
ISHARES INTERMEDIATE GOV/CR ET OTR 464288612 1,420 12,543 SH   SOLE   0 0 0
ISHARES INTERMEDIATE GOV/CR ET OTR 464288612 168 1,485 SH   OTR   0 0 0
ISHARES INTERMEDIATE TERM CORP OTR 464288638 33,158 572,484 SH   SOLE   0 0 0
ISHARES INTERMEDIATE TERM CORP OTR 464288638 1,110 19,165 SH   OTR   0 0 0
ISHARES SHORT-TERM CORPORATE B OTR 464288646 18,177 338,689 SH   SOLE   0 0 0
ISHARES SHORT-TERM CORPORATE B OTR 464288646 1,834 34,175 SH   OTR   0 0 0
ISHARES 3-7 YEAR TREASURY BOND OTR 464288661 34,770 274,210 SH   SOLE   0 0 0
ISHARES 3-7 YEAR TREASURY BOND OTR 464288661 737 5,815 SH   OTR   0 0 0
PIMCO INV GRADE CORP BD ETF OTR 72201R817 1,941 17,687 SH   SOLE   0 0 0
SCHWAB INTERMEDIATE TERM-US OTR 808524854 10,261 184,678 SH   SOLE   0 0 0
SCHWAB SHORT TERM US TREASURY OTR 808524862 27,013 533,955 SH   SOLE   0 0 0
SCHWAB SHORT TERM US TREASURY OTR 808524862 387 7,645 SH   OTR   0 0 0
SCHWAB US AGGREGATE BOND ETF OTR 808524839 20,745 385,245 SH   SOLE   0 0 0
SCHWAB US TIPS ETF OTR 808524870 628 11,061 SH   SOLE   0 0 0
SPDR BLOOMBERG BARCLAYS S/T BD OTR 78468R408 1,661 61,507 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTR 92206C870 760 8,335 SH   SOLE   0 0 0
VANGUARD INTM-TERM GOVT BOND F OTR 92206C706 1,256 18,835 SH   SOLE   0 0 0
VANGUARD MORTGAGE-BACKED SEC OTR 92206C771 379 7,123 SH   SOLE   0 0 0
VANGUARD MORTGAGE-BACKED SEC OTR 92206C771 26 492 SH   OTR   0 0 0
VANGUARD SHORT TERM CORP BOND OTR 92206C409 1,030 12,703 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF OTR 464288414 1,266 11,096 SH   SOLE   0 0 0
ISHARES NATIONAL MUNI BOND ETF OTR 464288414 103 900 SH   OTR   0 0 0
ISHARES SHORT-TERM NATIONAL MU OTR 464288158 229 2,146 SH   SOLE   0 0 0
ISHARES SHORT-TERM NATIONAL MU OTR 464288158 50 470 SH   OTR   0 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS OTR 78468R739 401 8,176 SH   SOLE   0 0 0