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
3M CO COM 88579Y101 373 2,267 SH   SOLE   2,267 0 0
AT&T INC COM 00206R102 9,912 261,932 SH   SOLE   261,932 0 0
AT&T INC COM 00206R102 134 3,553 SH   OTR   3,553 0 0
ABBOTT LABS COM 002824100 29,048 347,170 SH   SOLE   347,170 0 0
ABBOTT LABS COM 002824100 184 2,205 SH   OTR   2,205 0 0
ABBVIE INC COM 00287Y109 4,584 60,533 SH   SOLE   60,533 0 0
ABBVIE INC COM 00287Y109 203 2,675 SH   OTR   2,675 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 729 3,790 SH   SOLE   3,790 0 0
ALKANE INC COM 01642L105 0 714,200 SH   SOLE   714,200 0 0
ALLISON TRANSMISSION HLDGS I COM 01973R101 302 6,415 SH   SOLE   6,415 0 0
ALPHABET INC CAP STK CL C 02079K107 15,974 13,104 SH   SOLE   13,104 0 0
ALPHABET INC CAP STK CL C 02079K107 43 35 SH   OTR   35 0 0
ALPHABET INC CAP STK CL A 02079K305 16,523 13,531 SH   SOLE   13,531 0 0
ALPHABET INC CAP STK CL A 02079K305 29 24 SH   OTR   24 0 0
ALTRIA GROUP INC COM 02209S103 886 21,658 SH   SOLE   21,658 0 0
ALTRIA GROUP INC COM 02209S103 24 595 SH   OTR   595 0 0
AMAZON COM INC COM 023135106 31,745 18,287 SH   SOLE   18,287 0 0
AMAZON COM INC COM 023135106 24 14 SH   OTR   14 0 0
AMERICAN EXPRESS CO COM 025816109 294 2,484 SH   SOLE   2,484 0 0
AMERICAN TOWER CORP NEW COM 03027X100 282 1,276 SH   SOLE   1,276 0 0
APPLE INC COM 037833100 35,337 157,774 SH   SOLE   157,774 0 0
APPLE INC COM 037833100 34 150 SH   OTR   150 0 0
ARCH CAP GROUP LTD ORD G0450A105 508 12,100 SH   SOLE   12,100 0 0
GALLAGHER ARTHUR J & CO COM 363576109 516 5,765 SH   SOLE   5,765 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 216 1,340 SH   SOLE   1,340 0 0
AVERY DENNISON CORP COM 053611109 216 1,900 SH   SOLE   1,900 0 0
BANK AMER CORP COM 060505104 8,776 300,848 SH   SOLE   300,848 0 0
BANK AMER CORP COM 060505104 26 875 SH   OTR   875 0 0
BB&T CORP COM 054937107 3,284 61,525 SH   SOLE   61,525 0 0
BECTON DICKINSON & CO COM 075887109 15,904 62,873 SH   SOLE   62,873 0 0
BECTON DICKINSON & CO COM 075887109 25 100 SH   OTR   100 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,473 7,083 SH   SOLE   7,083 0 0
BLACKROCK INC COM 09247X101 3,676 8,248 SH   SOLE   8,248 0 0
BLACKROCK INC COM 09247X101 78 175 SH   OTR   175 0 0
BOEING CO COM 097023105 4,408 11,586 SH   SOLE   11,586 0 0
BOEING CO COM 097023105 13 35 SH   OTR   35 0 0
BOOKING HLDGS INC COM 09857L108 15,220 7,755 SH   SOLE   7,755 0 0
BOOKING HLDGS INC COM 09857L108 22 11 SH   OTR   11 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 854 16,844 SH   SOLE   16,844 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 3,241 74,153 SH   SOLE   74,153 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 94 2,150 SH   OTR   2,150 0 0
CATERPILLAR INC DEL COM 149123101 286 2,266 SH   SOLE   2,266 0 0
CATERPILLAR INC DEL COM 149123101 76 600 SH   OTR   600 0 0
CERNER CORP COM 156782104 358 5,250 SH   SOLE   5,250 0 0
CHEVRON CORP NEW COM 166764100 6,134 51,718 SH   SOLE   51,718 0 0
CHEVRON CORP NEW COM 166764100 116 975 SH   OTR   975 0 0
CIGNA CORP NEW COM 125523100 589 3,878 SH   SOLE   3,878 0 0
CIGNA CORP NEW COM 125523100 6 38 SH   OTR   38 0 0
CINCINNATI FINL CORP COM 172062101 588 5,037 SH   SOLE   5,037 0 0
CISCO SYS INC COM 17275R102 4,567 92,433 SH   SOLE   92,433 0 0
CISCO SYS INC COM 17275R102 152 3,075 SH   OTR   3,075 0 0
COLGATE PALMOLIVE CO COM 194162103 352 4,784 SH   SOLE   4,784 0 0
COMCAST CORP NEW CL A 20030N101 388 8,599 SH   SOLE   8,599 0 0
CONOCOPHILLIPS COM 20825C104 1,095 19,218 SH   SOLE   19,218 0 0
CONSOLIDATED EDISON INC COM 209115104 593 6,280 SH   SOLE   6,280 0 0
CONSOLIDATED EDISON INC COM 209115104 3 35 SH   OTR   35 0 0
CONSTELLATION BRANDS INC CL A 21036P108 221 1,065 SH   SOLE   1,065 0 0
CORPORATE OFFICE PPTYS TR SH BEN INT 22002T108 957 32,127 SH   SOLE   32,127 0 0
COSTCO WHSL CORP NEW COM 22160K105 586 2,035 SH   SOLE   2,035 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 2,449 17,620 SH   SOLE   17,620 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 90 645 SH   OTR   645 0 0
CRYO-CELL INTL INC COM 228895108 166 20,063 SH   SOLE   20,063 0 0
CVS HEALTH CORP COM 126650100 231 3,662 SH   SOLE   3,662 0 0
DANAHER CORPORATION COM 235851102 1,116 7,724 SH   SOLE   7,724 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 367 6,365 SH   SOLE   6,365 0 0
DOMINION ENERGY INC COM 25746U109 1,647 20,323 SH   SOLE   20,323 0 0
DOMINION ENERGY INC COM 25746U109 73 900 SH   OTR   900 0 0
DOW INC COM 260557103 3,350 70,302 SH   SOLE   70,302 0 0
DOW INC COM 260557103 67 1,400 SH   OTR   1,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 8,153 85,051 SH   SOLE   85,051 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 124 1,291 SH   OTR   1,291 0 0
EATON CORP PLC SHS G29183103 372 4,470 SH   SOLE   4,470 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 14,376 65,374 SH   SOLE   65,374 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 32 145 SH   OTR   145 0 0
EMERSON ELEC CO COM 291011104 2,740 40,980 SH   SOLE   40,980 0 0
EMERSON ELEC CO COM 291011104 13 200 SH   OTR   200 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 582 20,365 SH   SOLE   20,365 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 96 3,350 SH   OTR   3,350 0 0
EPAM SYS INC COM 29414B104 24,325 133,419 SH   SOLE   133,419 0 0
EPAM SYS INC COM 29414B104 21 115 SH   OTR   115 0 0
EVERBRIDGE INC COM 29978A104 1,505 24,390 SH   SOLE   24,390 0 0
EXXON MOBIL CORP COM 30231G102 5,196 73,591 SH   SOLE   73,591 0 0
EXXON MOBIL CORP COM 30231G102 2,257 31,963 SH   OTR   31,963 0 0
FTI CONSULTING INC COM 302941109 249 2,351 SH   SOLE   2,351 0 0
FACEBOOK INC CL A 30303M102 13,701 76,937 SH   SOLE   76,937 0 0
FACEBOOK INC CL A 30303M102 24 135 SH   OTR   135 0 0
FISERV INC COM 337738108 14,636 141,284 SH   SOLE   141,284 0 0
FISERV INC COM 337738108 17 165 SH   OTR   165 0 0
FIVE BELOW INC COM 33829M101 21,257 168,571 SH   SOLE   168,571 0 0
FIVE BELOW INC COM 33829M101 18 140 SH   OTR   140 0 0
GENERAL ELECTRIC CO COM 369604103 233 26,045 SH   SOLE   26,045 0 0
GENERAL MTRS CO COM 37045V100 232 6,200 SH   SOLE   6,200 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 240 1,156 SH   SOLE   1,156 0 0
HCP INC COM 40414L109 262 7,365 SH   SOLE   7,365 0 0
HERSHEY CO COM 427866108 215 1,385 SH   SOLE   1,385 0 0
HOME DEPOT INC COM 437076102 3,507 15,113 SH   SOLE   15,113 0 0
HONEYWELL INTL INC COM 438516106 349 2,060 SH   SOLE   2,060 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 615 4,227 SH   SOLE   4,227 0 0
IDEXX LABS INC COM 45168D104 245 900 SH   SOLE   900 0 0
INTEL CORP COM 458140100 6,767 131,326 SH   SOLE   131,326 0 0
INTEL CORP COM 458140100 161 3,125 SH   OTR   3,125 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 14,203 26,306 SH   SOLE   26,306 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 24 45 SH   OTR   45 0 0
IQVIA HLDGS INC COM 46266C105 24,366 163,115 SH   SOLE   163,115 0 0
IQVIA HLDGS INC COM 46266C105 28 190 SH   OTR   190 0 0
JPMORGAN CHASE & CO COM 46625H100 6,416 54,514 SH   SOLE   54,514 0 0
JPMORGAN CHASE & CO COM 46625H100 97 820 SH   OTR   820 0 0
JOHNSON & JOHNSON COM 478160104 5,246 40,551 SH   SOLE   40,551 0 0
JOHNSON & JOHNSON COM 478160104 81 625 SH   OTR   625 0 0
KIMBERLY CLARK CORP COM 494368103 1,017 7,159 SH   SOLE   7,159 0 0
KIMBERLY CLARK CORP COM 494368103 85 600 SH   OTR   600 0 0
L V M H MOET ORDF COM F58485115 225 567 SH   SOLE   567 0 0
LAI SUN DEVELOPMEN ORDF COM Y51270224 17 14,980 SH   SOLE   14,980 0 0
LEIDOS HLDGS INC COM 525327102 294 3,419 SH   SOLE   3,419 0 0
LIBERTY LATIN AMERICA LTD COM CL A G9001E102 184 10,775 SH   SOLE   10,775 0 0
LILLY ELI & CO COM 532457108 3,514 31,421 SH   SOLE   31,421 0 0
LILLY ELI & CO COM 532457108 14 125 SH   OTR   125 0 0
LOCKHEED MARTIN CORP COM 539830109 24,292 62,278 SH   SOLE   62,278 0 0
LOCKHEED MARTIN CORP COM 539830109 177 453 SH   OTR   453 0 0
LOWES COS INC COM 548661107 678 6,162 SH   SOLE   6,162 0 0
MARRIOTT INTL INC NEW CL A 571903202 366 2,944 SH   SOLE   2,944 0 0
MASTERCARD INC CL A 57636Q104 40,555 149,336 SH   SOLE   149,336 0 0
MASTERCARD INC CL A 57636Q104 24 90 SH   OTR   90 0 0
MCCORMICK & CO INC COM NON VTG 579780206 706 4,520 SH   SOLE   4,520 0 0
MCCORMICK & CO INC COM VTG 579780107 801 5,142 SH   SOLE   5,142 0 0
MCDONALDS CORP COM 580135101 6,104 28,429 SH   SOLE   28,429 0 0
MCDONALDS CORP COM 580135101 188 875 SH   OTR   875 0 0
MERCK & CO INC COM 58933Y105 4,832 57,397 SH   SOLE   57,397 0 0
MERCK & CO INC COM 58933Y105 61 725 SH   OTR   725 0 0
MICROSOFT CORP COM 594918104 39,602 284,842 SH   SOLE   284,842 0 0
MICROSOFT CORP COM 594918104 259 1,860 SH   OTR   1,860 0 0
NESTLE S A F SPONSORED ADR 1 A COM 641069406 205 1,890 SH   SOLE   1,890 0 0
NETFLIX INC COM 64110L106 382 1,428 SH   SOLE   1,428 0 0
NEXTERA ENERGY INC COM 65339F101 1,060 4,548 SH   SOLE   4,548 0 0
NEXTERA ENERGY INC COM 65339F101 93 400 SH   OTR   400 0 0
NORFOLK SOUTHERN CORP COM 655844108 340 1,892 SH   SOLE   1,892 0 0
NORTHROP GRUMMAN CORP COM 666807102 222 591 SH   SOLE   591 0 0
O REILLY AUTOMOTIVE INC NEW COM 67103H107 12,211 30,642 SH   SOLE   30,642 0 0
O REILLY AUTOMOTIVE INC NEW COM 67103H107 23 57 SH   OTR   57 0 0
ORACLE CORP COM 68389X105 638 11,593 SH   SOLE   11,593 0 0
PAYCHEX INC COM 704326107 3,559 43,004 SH   SOLE   43,004 0 0
PAYCHEX INC COM 704326107 14 175 SH   OTR   175 0 0
PAYCOM SOFTWARE INC COM 70432V102 20,310 96,951 SH   SOLE   96,951 0 0
PAYCOM SOFTWARE INC COM 70432V102 17 80 SH   OTR   80 0 0
PAYPAL HLDGS INC COM 70450Y103 29,475 284,538 SH   SOLE   284,538 0 0
PAYPAL HLDGS INC COM 70450Y103 34 325 SH   OTR   325 0 0
PEPSICO INC COM 713448108 16,473 120,156 SH   SOLE   120,156 0 0
PEPSICO INC COM 713448108 62 450 SH   OTR   450 0 0
PFIZER INC COM 717081103 4,986 138,781 SH   SOLE   138,781 0 0
PFIZER INC COM 717081103 242 6,725 SH   OTR   6,725 0 0
PHILIP MORRIS INTL INC COM 718172109 1,770 23,314 SH   SOLE   23,314 0 0
PHILIP MORRIS INTL INC COM 718172109 95 1,245 SH   OTR   1,245 0 0
PNC FINL SVCS GROUP INC COM 693475105 360 2,571 SH   SOLE   2,571 0 0
PPL CORP COM 69351T106 933 29,615 SH   SOLE   29,615 0 0
PROCTER & GAMBLE CO COM 742718109 7,256 58,336 SH   SOLE   58,336 0 0
PROCTER & GAMBLE CO COM 742718109 44 350 SH   OTR   350 0 0
PULTE GROUP INC COM 745867101 247 6,750 SH   SOLE   6,750 0 0
PURE BIOSCIENCE INC COM 74621T209 17 56,231 SH   SOLE   56,231 0 0
QUALCOMM INC COM 747525103 226 2,960 SH   SOLE   2,960 0 0
SALESFORCE COM INC COM 79466L302 14,540 97,951 SH   SOLE   97,951 0 0
SALESFORCE COM INC COM 79466L302 23 155 SH   OTR   155 0 0
SANDY SPRING BANCORP INC COM 800363103 721 21,376 SH   SOLE   21,376 0 0
SIMON PPTY GROUP INC NEW COM 828806109 2,854 18,336 SH   SOLE   18,336 0 0
SIMON PPTY GROUP INC NEW COM 828806109 15 95 SH   OTR   95 0 0
SOUTHERN CO COM 842587107 6,500 105,223 SH   SOLE   105,223 0 0
SOUTHERN CO COM 842587107 65 1,050 SH   OTR   1,050 0 0
STARBUCKS CORP COM 855244109 1,596 18,052 SH   SOLE   18,052 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 486 19,000 SH   SOLE   19,000 0 0
PRICE T ROWE GROUP INC COM 74144T108 275 2,405 SH   SOLE   2,405 0 0
TARGET CORP COM 87612E106 4,743 44,362 SH   SOLE   44,362 0 0
TARGET CORP COM 87612E106 57 535 SH   OTR   535 0 0
COCA COLA CO COM 191216100 888 16,306 SH   SOLE   16,306 0 0
TJX COS INC NEW COM 872540109 537 9,628 SH   SOLE   9,628 0 0
TRANSENTERIX INC COM NEW 89366M201 47 76,000 SH   SOLE   76,000 0 0
TREX CO INC COM 89531P105 18,243 200,627 SH   SOLE   200,627 0 0
TREX CO INC COM 89531P105 35 390 SH   OTR   390 0 0
US BANCORP DEL COM NEW 902973304 418 7,554 SH   SOLE   7,554 0 0
ULTA BEAUTY INC COM 90384S303 9,886 39,442 SH   SOLE   39,442 0 0
ULTA BEAUTY INC COM 90384S303 14 55 SH   OTR   55 0 0
UNITED TECHNOLOGIES CORP COM 913017109 352 2,580 SH   SOLE   2,580 0 0
UNITEDHEALTH GROUP INC COM 91324P102 21,879 100,678 SH   SOLE   100,678 0 0
UNITEDHEALTH GROUP INC COM 91324P102 22 103 SH   OTR   103 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 11,804 195,564 SH   SOLE   195,564 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 113 1,880 SH   OTR   1,880 0 0
V F CORP COM 918204108 19,710 221,484 SH   SOLE   221,484 0 0
V F CORP COM 918204108 19 215 SH   OTR   215 0 0
VISA INC COM CL A 92826C839 642 3,733 SH   SOLE   3,733 0 0
VULCAN MATLS CO COM 929160109 219 1,445 SH   SOLE   1,445 0 0
WALMART INC COM 931142103 1,144 9,638 SH   SOLE   9,638 0 0
DISNEY WALT CO COM DISNEY 254687106 2,111 16,199 SH   SOLE   16,199 0 0
WELLS FARGO CO NEW COM 949746101 3,719 73,732 SH   SOLE   73,732 0 0
WELLS FARGO CO NEW COM 949746101 62 1,225 SH   OTR   1,225 0 0
WELLTOWER INC COM 95040Q104 5,251 57,924 SH   SOLE   57,924 0 0
WELLTOWER INC COM 95040Q104 94 1,035 SH   OTR   1,035 0 0
WESTROCK CO COM 96145D105 2,393 65,662 SH   SOLE   65,662 0 0
YUM BRANDS INC COM 988498101 863 7,607 SH   SOLE   7,607 0 0
AEGON N.V. 6.375 PFD CALLE PFD 007924301 379 14,500 SH   SOLE   14,500 0 0
BANK OF AMERIC 6.5 PFD PFD SE PFD 060505310 3,586 142,460 SH   SOLE   142,460 0 0
BANK OF AMERIC 6.5 PFD PFD SE PFD 060505310 104 4,150 SH   OTR   4,150 0 0
JPMORGAN CHA 6.125 PFD PFD SE PFD 48127R461 3,685 144,020 SH   SOLE   144,020 0 0
JPMORGAN CHA 6.125 PFD PFD SE PFD 48127R461 63 2,475 SH   OTR   2,475 0 0
THE ALLSTATE 6.25 PFD CALLE PFD 020002853 1,421 56,925 SH   SOLE   56,925 0 0
THE ALLSTATE 6.25 PFD CALLE PFD 020002853 14 575 SH   OTR   575 0 0
THE ALLSTATE C 5.1 PFD PFD SE PFD 020002838 245 9,315 SH   SOLE   9,315 0 0
THE ALLSTATE C 5.1 PFD PFD SE PFD 020002838 3 100 SH   OTR   100 0 0
THE CHARLES SCHW 6 PFD PFD SE PFD 808513402 889 33,690 SH   SOLE   33,690 0 0
WELLS FARGO & CO 6 PFD PFD SE PFD 949746366 2,722 107,880 SH   SOLE   107,880 0 0
WELLS FARGO & CO 6 PFD PFD SE PFD 949746366 83 3,300 SH   OTR   3,300 0 0
AMERICAN FD EUROPACIFIC GWTH F ETF 298706110 252 4,849 SH   SOLE   4,849 0 0
AMERICAN FD NEW PERSPECTIVE F3 ETF 648018778 873 19,585 SH   SOLE   19,585 0 0
AMERICAN FD WA MUTUAL INV FD C ETF 939330775 339 7,306 SH   SOLE   7,306 0 0
DOUBLELINE CORE FIXED INCM FD ETF 258620301 212 19,080 SH   SOLE   19,080 0 0
FIDELITY CONTRA FUND ETF 316071109 212 16,519 SH   SOLE   16,519 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 5,046 602,096 SH   SOLE   602,096 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 263 31,356 SH   OTR   31,356 0 0
GLOBAL X FDS GLB X SUPERDIV 37950E549 1,935 114,026 SH   SOLE   114,026 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,434 7,594 SH   SOLE   7,594 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 100 532 SH   OTR   532 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,529 15,172 SH   SOLE   15,172 0 0
ISHARES TR CORE S&P500 ETF 464287200 45 152 SH   OTR   152 0 0
ISHARES TR CORE S&P MCP ETF 464287507 518 2,683 SH   SOLE   2,683 0 0
ISHARES TR CORE S&P SCP ETF 464287804 423 5,430 SH   SOLE   5,430 0 0
ISHARES TR CORE US AGGBD ET 464287226 721 6,371 SH   SOLE   6,371 0 0
ISHARES TR GLOBAL TECH ETF 464287291 1,307 7,066 SH   SOLE   7,066 0 0
ISHARES TR GLOB UTILITS ETF 464288711 1,234 21,144 SH   SOLE   21,144 0 0
ISHARES TR IBOXX HI YD ETF 464288513 746 8,560 SH   SOLE   8,560 0 0
ISHARES TR IBOXX INV CP ETF 464287242 4,272 33,511 SH   SOLE   33,511 0 0
ISHARES TR IBOXX INV CP ETF 464287242 14 109 SH   OTR   109 0 0
ISHARES TR JPMORGAN USD EMG 464288281 465 4,105 SH   SOLE   4,105 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,718 26,350 SH   SOLE   26,350 0 0
ISHARES TR NASDAQ BIOTECH 464287556 219 2,205 SH   SOLE   2,205 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 577 3,612 SH   SOLE   3,612 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 40 250 SH   OTR   250 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,917 19,277 SH   SOLE   19,277 0 0
ISHARES TR RUS MID CAP ETF 464287499 434 7,750 SH   SOLE   7,750 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,148 18,797 SH   SOLE   18,797 0 0
ISHARES TR S&P SML 600 GWT 464287887 458 2,565 SH   SOLE   2,565 0 0
LORD ABBETT SHORT DUR INCOME F ETF 543916688 90 21,413 SH   SOLE   21,413 0 0
SCH TREAS OBLIGATION MMF INVES ETF 808515621 115 115,236 SH   SOLE   115,236 0 0
SCHWAB GOVERNMENT MONEY FUND I ETF 808515613 230 230,177 SH   SOLE   230,177 0 0
SCHWAB S&P 500 INDEX FD ETF 808509855 372 8,068 SH   SOLE   8,068 0 0
SCHWAB VALUE ADVANTAGE MONEY F ETF 808515696 5,257 5,256,660 SH   SOLE   5,256,660 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 282 3,134 SH   SOLE   3,134 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,434 18,476 SH   SOLE   18,476 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 242 8,637 SH   SOLE   8,637 0 0
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 322 9,682 SH   SOLE   9,682 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 352 1,307 SH   SOLE   1,307 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,759 16,818 SH   SOLE   16,818 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 223 1,850 SH   SOLE   1,850 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 272 4,435 SH   SOLE   4,435 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 2,255 16,238 SH   SOLE   16,238 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,591 12,100 SH   SOLE   12,100 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 224 2,776 SH   SOLE   2,776 0 0
VANGUARD 500 INDEX FD ADMIRAL ETF 922908710 1,038 3,778 SH   SOLE   3,778 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,314 7,295 SH   SOLE   7,295 0 0
VANGUARD GROUP DIV APP ETF 921908844 626 5,237 SH   SOLE   5,237 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 371 3,187 SH   SOLE   3,187 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,369 179,378 SH   SOLE   179,378 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 22 540 SH   OTR   540 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,182 128,711 SH   SOLE   128,711 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21 530 SH   OTR   530 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 753 11,398 SH   SOLE   11,398 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 433 2,607 SH   SOLE   2,607 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 831 9,367 SH   SOLE   9,367 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,309 6,075 SH   SOLE   6,075 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,561 11,453 SH   SOLE   11,453 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 1,462 14,244 SH   SOLE   14,244 0 0
VANGUARD LTD TERM TAX EXEMPT A ETF 922907886 161 14,523 SH   SOLE   14,523 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,260 43,319 SH   SOLE   43,319 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 23 140 SH   OTR   140 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 255 2,260 SH   SOLE   2,260 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,541 102,314 SH   SOLE   102,314 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 23 250 SH   OTR   250 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,854 64,032 SH   SOLE   64,032 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 22 140 SH   OTR   140 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 203 2,410 SH   SOLE   2,410 0 0
VANGUARD TOTAL BOND MKT INDEX ETF 921937603 139 12,505 SH   SOLE   12,505 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 541 3,583 SH   SOLE   3,583 0 0