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 COM 002824100 2,812 23,466 SH   SOLE   22,533 0 933
ABBVIE INC COM 00287y109 3,057 28,249 SH   SOLE   22,084 0 6,165
AIR PRODS & CHEMS INC COM 009158106 1,547 5,498 SH   SOLE   1,089 0 4,409
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609w102 416 1,836 SH   SOLE   300 0 1,536
ALLSTATE CORP COM 020002101 409 3,560 SH   SOLE   3,560 0 0
ALPHABET INC CAP STOCK CL C CAP STK CL C 02079k107 923 446 SH   SOLE   140 0 306
ALPHABET INC CAP STOCK CL A CAP STK CL A 02079k305 918 445 SH   SOLE   140 0 305
AMAZON.COM INC COM 023135106 5,220 1,687 SH   SOLE   604 0 1,083
AMERICAN TOWER CORP NEW COM 03027x100 287 1,200 SH   SOLE   0 0 1,200
AMERICAN WTR WKS CO INC NEW COM 030420103 240 1,600 SH   SOLE   0 0 1,600
ANALOG DEVICES INC COM 032654105 948 6,115 SH   SOLE   6,115 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 789 91,719 SH   SOLE   54,618 0 37,101
ANNALY CAPITAL MANAGEMENT IN COM 035710409 3 291 SH   OTR   0 0 291
APPLE INC COM 037833100 1,199 9,812 SH   SOLE   2,612 0 7,200
ARCHER DANIELS MIDLAND CO COM 039483102 820 14,384 SH   SOLE   8,576 0 5,808
ARCHER DANIELS MIDLAND CO COM 039483102 3 50 SH   OTR   0 0 50
AUTODESK INC COM 052769106 355 1,280 SH   SOLE   0 0 1,280
AUTOMATIC DATA PROCESSING IN COM 053015103 5,543 29,413 SH   SOLE   28,113 0 1,300
AVERY DENNISON CORP COM 053611109 918 5,000 SH   SOLE   5,000 0 0
BECTON DICKINSON & CO COM 075887109 383 1,575 SH   SOLE   1,575 0 0
BLACKROCK INC COM 09247x101 810 1,074 SH   SOLE   633 0 441
BLACKROCK INC COM 09247x101 3 4 SH   OTR   0 0 4
BRISTOL-MYERS SQUIBB CO COM 110122108 807 12,777 SH   SOLE   7,554 0 5,223
BRISTOL-MYERS SQUIBB CO COM 110122108 2 39 SH   OTR   0 0 39
BROADRIDGE FINL SOLUTIONS IN COM 11133t103 685 4,472 SH   SOLE   4,272 0 200
CDK GLOBAL INC COM 12508e101 324 5,998 SH   SOLE   5,998 0 0
CIGNA CORP NEW COM 125523100 236 977 SH   SOLE   0 0 977
CATERPILLAR INC COM 149123101 3,108 13,403 SH   SOLE   11,780 0 1,623
CATERPILLAR INC COM 149123101 3 14 SH   OTR   0 0 14
CHEVRON CORP NEW COM 166764100 1,520 14,508 SH   SOLE   11,053 0 3,455
CHEVRON CORP NEW COM 166764100 3 28 SH   OTR   0 0 28
CISCO SYS INC COM 17275r102 1,486 28,745 SH   SOLE   9,721 0 19,024
CISCO SYS INC COM 17275r102 3 56 SH   OTR   0 0 56
COCA COLA CO COM 191216100 5,008 95,013 SH   SOLE   88,735 0 6,278
COCA COLA CO COM 191216100 2 46 SH   OTR   0 0 46
COMCAST CORP NEW CL A 20030n101 944 17,448 SH   SOLE   0 0 17,448
CONOCOPHILLIPS COM 20825c104 6,515 122,993 SH   SOLE   115,352 0 7,641
CORTEVA INC COM 22052l104 334 7,166 SH   SOLE   0 0 7,166
COSTCO WHSL CORP NEW COM 22160k105 1,249 3,543 SH   SOLE   1,265 0 2,278
COSTCO WHSL CORP NEW COM 22160k105 2 6 SH   OTR   0 0 6
DEERE & CO COM 244199105 288 770 SH   SOLE   0 0 770
DOW INC COM 260557103 29,078 454,768 SH   SOLE   60,615 0 394,153
DUPONT DE NEMOURS INC COM 26614n102 23,248 300,832 SH   SOLE   33,976 0 266,856
EMERSON ELEC CO COM 291011104 835 9,252 SH   SOLE   5,515 0 3,737
EMERSON ELEC CO COM 291011104 3 30 SH   OTR   0 0 30
EXXON MOBIL CORP COM 30231g102 2,207 39,529 SH   SOLE   31,582 0 7,947
FACEBOOK INC CL A 30303m102 535 1,816 SH   SOLE   400 0 1,416
GENERAL ELECTRIC CO COM 369604103 335 25,547 SH   SOLE   0 0 25,547
GILEAD SCIENCES INC COM 375558103 773 11,962 SH   SOLE   7,194 0 4,768
GILEAD SCIENCES INC COM 375558103 3 42 SH   OTR   0 0 42
HERSHEY CO COM 427866108 3,265 20,645 SH   SOLE   20,645 0 0
HOME DEPOT INC COM 437076102 3,863 12,655 SH   SOLE   8,888 0 3,767
HOME DEPOT INC COM 437076102 3 10 SH   OTR   0 0 10
HONEYWELL INTL INC COM 438516106 1,628 7,500 SH   SOLE   7,500 0 0
INTEL CORP COM 458140100 2,216 34,624 SH   SOLE   27,828 0 6,796
INTERNATIONAL BUSINESS MACHS COM 459200101 902 6,771 SH   SOLE   2,794 0 3,977
INVESCO QQQ TR UNIT SER 1 46090e103 8,706 27,281 SH   SOLE   24,830 0 2,451
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 1,348 71,420 SH   SOLE   44,213 0 27,207
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137v621 4 202 SH   OTR   0 0 202
ISHARES INC MSCI AUST ETF 464286103 10,598 427,514 SH   SOLE   186,702 0 240,812
ISHARES INC MSCI AUST ETF 464286103 172 6,941 SH   OTR   0 0 6,941
ISHARES TR SELECT DIVID ETF 464287168 728 6,380 SH   SOLE   6,000 0 380
ISHARES TR MSCI EMG MKT ETF 464287234 2,381 44,644 SH   SOLE   35,334 0 9,310
ISHARES TR S&P 500 GRWT ETF 464287309 9,519 146,195 SH   SOLE   145,395 0 800
ISHARES TR MSCI EAFE ETF 464287465 13,367 176,180 SH   SOLE   157,055 0 19,125
ISHARES TR RUS MD CP GR ETF 464287481 217 2,124 SH   SOLE   2,124 0 0
ISHARES TR RUS MID CAP ETF 464287499 17,978 243,176 SH   SOLE   127,541 0 115,635
ISHARES TR RUS MID CAP ETF 464287499 251 3,397 SH   OTR   0 0 3,397
ISHARES TR CORE S&P MCP ETF 464287507 17,162 65,937 SH   SOLE   36,247 0 29,690
ISHARES TR CORE S&P MCP ETF 464287507 223 855 SH   OTR   0 0 855
ISHARES TR COHEN STEER REIT 464287564 308 5,333 SH   SOLE   5,333 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,005 8,250 SH   SOLE   8,250 0 0
ISHARES TR RUS 1000 ETF 464287622 23,086 103,143 SH   SOLE   45,284 0 57,859
ISHARES TR RUS 1000 ETF 464287622 451 2,017 SH   OTR   0 0 2,017
ISHARES TR RUS 2000 GRW ETF 464287648 3,277 10,897 SH   SOLE   10,897 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,148 14,250 SH   SOLE   14,150 0 100
ISHARES TR U.S. TECH ETF 464287721 2,263 25,800 SH   SOLE   25,800 0 0
ISHARES TR CORE S&P SCP ETF 464287804 309 2,849 SH   SOLE   2,849 0 0
ISHARES TR SP SMCP600VL ETF 464287879 3,822 37,940 SH   SOLE   37,940 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,462 41,384 SH   SOLE   29,354 0 12,030
ISHARES TR MSCI ACWI ETF 464288257 3,070 32,270 SH   SOLE   24,771 0 7,499
ISHARES TR NATIONAL MUN ETF 464288414 14,173 122,125 SH   SOLE   82,554 0 39,571
ISHARES TR MBS ETF 464288588 29,866 275,465 SH   SOLE   149,053 0 126,412
ISHARES TR MBS ETF 464288588 643 5,929 SH   OTR   24 0 5,905
ISHARES TR INTRM GOV CR ETF 464288612 47,766 415,864 SH   SOLE   205,117 0 210,747
ISHARES TR INTRM GOV CR ETF 464288612 1,052 9,158 SH   OTR   36 0 9,122
ISHARES TR ISHS 5-10YR INVT 464288638 10,242 172,914 SH   SOLE   90,537 0 82,377
ISHARES TR ISHS 5-10YR INVT 464288638 117 1,981 SH   OTR   0 0 1,981
ISHARES TR ISHS -5YR TRS ETF 464288646 15,807 289,076 SH   SOLE   152,245 0 136,831
ISHARES TR ISHS -5YR TRS ETF 464288646 300 5,478 SH   OTR   42 0 5,436
ISHARES TR 3 7 YR TREAS BD 464288661 206 1,589 SH   SOLE   902 0 687
ISHARES TR PFD AND INCM SEC 464288687 2,055 53,527 SH   SOLE   22,612 0 30,915
ISHARES TR PFD AND INCM SEC 464288687 4 99 SH   OTR   0 0 99
ISHARES TR CORE MSCI TOTAL 46432f834 629 8,956 SH   SOLE   7,356 0 1,600
ISHARES TR CORE MSCI EAFE 46432f842 25,536 354,418 SH   SOLE   158,931 0 195,487
ISHARES TR CORE MSCI EAFE 46432f842 395 5,482 SH   OTR   0 0 5,482
ISHARES TR RUSEL 2500 ETF 46435g268 203 3,231 SH   SOLE   2,001 0 1,230
ISHARES TR RUSEL 2500 ETF 46435g268 18 290 SH   OTR   124 0 166
JPMORGAN CHASE & CO COM 46625h100 5,435 35,701 SH   SOLE   28,339 0 7,362
JOHNSON & JOHNSON COM 478160104 10,830 65,894 SH   SOLE   63,978 0 1,916
JOHNSON & JOHNSON COM 478160104 2 15 SH   OTR   0 0 15
LOCKHEED MARTIN CORP COM 539830109 545 1,474 SH   SOLE   0 0 1,474
MARATHON PETE CORP COM 56585a102 405 7,580 SH   SOLE   7,580 0 0
MCDONALDS CORP COM 580135101 1,186 5,292 SH   SOLE   2,083 0 3,209
MCDONALDS CORP COM 580135101 3 12 SH   OTR   0 0 12
MCKESSON CORP COM 58155q103 360 1,845 SH   SOLE   0 0 1,845
MERCK & CO INC COM 58933y105 3,613 46,870 SH   SOLE   30,900 0 15,970
MICROSOFT CORP COM 594918104 9,717 41,215 SH   SOLE   37,560 0 3,655
MICROSOFT CORP COM 594918104 3 11 SH   OTR   0 0 11
MORGAN STANLEY COM NEW 617446448 233 2,996 SH   SOLE   2,996 0 0
NEXTERA ENERGY INC COM 65339f101 750 9,915 SH   SOLE   5,827 0 4,088
NEXTERA ENERGY INC COM 65339f101 2 32 SH   OTR   0 0 32
NIKE INC CL B 654106103 716 5,391 SH   SOLE   3,181 0 2,210
NIKE INC CL B 654106103 2 18 SH   OTR   0 0 18
NORFOLK SOUTHN CORP COM 655844108 274 1,019 SH   SOLE   0 0 1,019
ORACLE CORP COM 68389x105 1,173 16,711 SH   SOLE   7,072 0 9,639
ORACLE CORP COM 68389x105 3 38 SH   OTR   0 0 38
PNC FINL SVCS GROUP INC COM 693475105 1,037 5,913 SH   SOLE   5,913 0 0
PEPSICO INC COM 713448108 424 3,000 SH   SOLE   3,000 0 0
PFIZER INC COM 717081103 813 22,440 SH   SOLE   13,313 0 9,127
PFIZER INC COM 717081103 2 66 SH   OTR   0 0 66
PHILLIPS 66 COM 718546104 6,271 76,907 SH   SOLE   73,085 0 3,822
PROCTER AND GAMBLE CO COM 742718109 3,259 24,064 SH   SOLE   12,373 0 11,691
PROCTER AND GAMBLE CO COM 742718109 2 18 SH   OTR   0 0 18
QUALCOMM INC COM 747525103 708 5,342 SH   SOLE   3,152 0 2,190
QUALCOMM INC COM 747525103 2 16 SH   OTR   0 0 16
SPDR S&P 500 ETF TR TR UNIT 78462f103 120,164 303,191 SH   SOLE   127,658 0 175,533
SPDR S&P 500 ETF TR TR UNIT 78462f103 2,095 5,287 SH   OTR   46 0 5,241
SPDR SER TR BLOOMBERG BRCLYS 78468r622 16,719 153,671 SH   SOLE   90,853 0 62,818
SPDR SER TR BLOOMBERG BRCLYS 78468r622 154 1,414 SH   OTR   0 0 1,414
SANOFI SPONSORED ADR 80105n105 806 16,298 SH   SOLE   9,662 0 6,636
SANOFI SPONSORED ADR 80105n105 3 52 SH   OTR   0 0 52
SCHWAB STRATEGIC TR US DIVIDEN EQ 808524797 15,838 217,199 SH   SOLE   104,538 0 112,661
SCHWAB STRATEGIC TR US DIVIDEN EQ 808524797 247 3,386 SH   OTR   0 0 3,386
SELECT SECTOR SPDR TR ENERGY 81369y506 264 5,375 SH   SOLE   0 0 5,375
SELECT SECTOR SPDR TR SBI INT-FINL 81369y605 1,072 31,495 SH   SOLE   31,495 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369y803 865 6,510 SH   SOLE   6,510 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 680 5,752 SH   SOLE   0 0 5,752
TEXAS INSTRS INC COM 882508104 843 4,460 SH   SOLE   2,671 0 1,789
TEXAS INSTRS INC COM 882508104 3 16 SH   OTR   0 0 16
THERMO FISHER SCIENTIFIC INC COM 883556102 821 1,800 SH   SOLE   0 0 1,800
3M CO COM 88579y101 2,337 12,130 SH   SOLE   11,730 0 400
US BANCORP DEL COM 902973304 947 17,116 SH   SOLE   9,657 0 7,459
US BANCORP DEL COM 902973304 3 53 SH   OTR   0 0 53
UNION PAC CORP COM 907818108 6,878 31,205 SH   SOLE   29,685 0 1,520
UNION PAC CORP COM 907818108 3 12 SH   OTR   0 0 12
UNITED PARCEL SERVICE INC CL B 911312106 807 4,750 SH   SOLE   2,835 0 1,915
UNITED PARCEL SERVICE INC CL B 911312106 2 13 SH   OTR   0 0 13
UNITEDHEALTH GROUP INC COM 91324p102 828 2,226 SH   SOLE   1,302 0 924
UNITEDHEALTH GROUP INC COM 91324p102 3 7 SH   OTR   0 0 7
VANGUARD STAR FDS VG TIL INTL STK F 921909768 218 3,483 SH   SOLE   2,168 0 1,315
VANGUARD STAR FDS VG TIL INTL STK F 921909768 19 297 SH   OTR   124 0 173
VANGUARD BD INDEX FDS INTERMED TERM 921937819 326 3,675 SH   SOLE   0 0 3,675
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 38,433 782,598 SH   SOLE   383,850 0 398,748
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 448 9,124 SH   OTR   0 0 9,124
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 12,047 231,452 SH   SOLE   101,209 0 130,243
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 167 3,201 SH   OTR   0 0 3,201
VANGUARD INDEX FDS LARGE CAP ETF 922908637 602 3,247 SH   SOLE   0 0 3,247
VANGUARD INDEX FDS GROWTH ETF 922908736 1,189 4,626 SH   SOLE   4,626 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,327 10,097 SH   SOLE   9,597 0 500
VANGUARD INDEX FDS SMALL CP ETF 922908751 16,637 77,715 SH   SOLE   36,051 0 41,664
VANGUARD INDEX FDS SMALL CP ETF 922908751 272 1,270 SH   OTR   0 0 1,270
VERIZON COMMUNICATIONS INC COM 92343v104 821 14,116 SH   SOLE   8,374 0 5,742
VERIZON COMMUNICATIONS INC COM 92343v104 2 42 SH   OTR   0 0 42
VISA INC COM CL A 92826c839 795 3,754 SH   SOLE   0 0 3,754
WALMART INC COM 931142103 728 5,356 SH   SOLE   3,175 0 2,181
WALMART INC COM 931142103 2 18 SH   OTR   0 0 18
EATON CORP PLC SHS g29183103 875 6,327 SH   SOLE   3,754 0 2,573
EATON CORP PLC SHS g29183103 3 21 SH   OTR   0 0 21
MEDTRONIC PLC SHS g5960l103 771 6,523 SH   SOLE   3,849 0 2,674
MEDTRONIC PLC SHS g5960l103 3 22 SH   OTR   0 0 22
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 853 8,197 SH   SOLE   4,867 0 3,330
LYONDELLBASELL INDUSTRIES N SHS - A - n53745100 3 28 SH   OTR   0 0 28