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
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703 28,487 624,451 SH   SOLE   624,451 0 0
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703 5 100 SH   OTR   100 0 0
APPLE INC COMMON STOCK 037833100 240 1,740 SH   SOLE   1,740 0 0
FLEXSHARES GLOBAL QUALITY MUTUAL FUND/STO 33939L787 26,004 519,150 SH   SOLE   519,150 0 0
IQ MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800 338 10,815 SH   SOLE   10,815 0 0
IQ MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800 9 300 SH   OTR   300 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 40,464 112,822 SH   SOLE   112,822 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 626 1,745 SH   OTR   1,745 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 552 9,852 SH   SOLE   9,852 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 75 1,340 SH   OTR   1,340 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 23,722 108,189 SH   SOLE   108,189 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 42 190 SH   OTR   190 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 463 2,199 SH   SOLE   2,199 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 3 15 SH   OTR   15 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 201 1,220 SH   SOLE   1,220 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 7 40 SH   OTR   40 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 13,945 159,943 SH   SOLE   159,943 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 54 625 SH   OTR   625 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 795 17,520 SH   SOLE   17,520 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 20 450 SH   OTR   450 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 23,671 990,431 SH   SOLE   990,431 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 10 400 SH   OTR   400 0 0
MICROSOFT CORP COMMON STOCK 594918104 561 2,409 SH   SOLE   2,409 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103 671 1,879 SH   SOLE   1,879 0 0
SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409 28,473 568,321 SH   SOLE   568,321 0 0
SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409 10 200 SH   OTR   200 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 29,353 441,870 SH   SOLE   441,870 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 143 2,150 SH   OTR   2,150 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 1,843 25,080 SH   SOLE   25,080 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 224 3,045 SH   OTR   3,045 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 255 2,690 SH   SOLE   2,690 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 29,843 481,421 SH   SOLE   481,421 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 19 300 SH   OTR   300 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 434 11,885 SH   SOLE   11,885 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 40 1,100 SH   OTR   1,100 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578 17,526 711,877 SH   SOLE   711,877 0 0