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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703   36,141,393 629,641 SH   SOLE   629,641 0 0
AVANTIS INTL EQ ETF MUTUAL FUND/STO 025072703   5,740 100 SH   OTR   100 0 0
APPLE INC COMMON STOCK 037833100   273,497 1,410 SH   SOLE   1,410 0 0
FLEXSHARES GLOBAL QUALITY MUTUAL FUND/STO 33939L787   27,534,650 519,125 SH   SOLE   519,125 0 0
IQ MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800   465,567 14,922 SH   SOLE   14,922 0 0
IQ MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800   9,360 300 SH   OTR   300 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200   50,485,133 113,269 SH   SOLE   113,269 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200   687,731 1,543 SH   OTR   1,543 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465   706,371 9,743 SH   SOLE   9,743 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465   79,750 1,100 SH   OTR   1,100 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507   28,409,017 108,647 SH   SOLE   108,647 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507   43,405 166 SH   OTR   166 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614   390,756 1,420 SH   SOLE   1,420 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614   4,128 15 SH   OTR   15 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655   209,744 1,120 SH   SOLE   1,120 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804   16,081,924 161,384 SH   SOLE   161,384 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804   68,858 691 SH   OTR   691 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291   1,055,888 22,380 SH   SOLE   22,380 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291   21,231 450 SH   OTR   450 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842   214,517 3,178 SH   SOLE   3,178 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842   10,125 150 SH   OTR   150 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474   25,409,557 1,001,559 SH   SOLE   1,001,559 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474   20,930 825 SH   OTR   825 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   213,521 1,290 SH   SOLE   1,290 0 0
MICROSOFT CORP COMMON STOCK 594918104   700,150 2,056 SH   SOLE   2,056 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103   1,449,082 3,269 SH   SOLE   3,269 0 0
SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409   35,385,437 579,994 SH   SOLE   579,994 0 0
SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409   71,992 1,180 SH   OTR   1,180 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797   32,425,048 446,503 SH   SOLE   446,503 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797   141,609 1,950 SH   OTR   1,950 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819   2,128,710 28,296 SH   SOLE   28,296 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819   193,341 2,570 SH   OTR   2,570 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406   285,329 2,690 SH   SOLE   2,690 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810   36,472,265 485,714 SH   SOLE   485,714 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810   22,527 300 SH   OTR   300 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858   689,361 16,946 SH   SOLE   16,946 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858   35,595 875 SH   OTR   875 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578   19,844,138 709,987 SH   SOLE   709,987 0 0