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 31,585 619,793 SH   SOLE   619,793 0 0
APPLE INC COMMON STOCK 037833100 238 1,740 SH   SOLE   1,740 0 0
FLEXSHARES GLOBAL QUALITY MUTUAL FUND/STO 33939L787 29,577 519,541 SH   SOLE   519,541 0 0
GSK PLC FOREIGN STOCK 37733W105 323 7,426 SH   SOLE   7,426 0 0
IQ MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800 216 6,965 SH   SOLE   6,965 0 0
IQ MERGER ARBITRAGE ETF MUTUAL FUND/STO 45409B800 6 200 SH   OTR   200 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 42,420 111,882 SH   SOLE   111,882 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 662 1,745 SH   OTR   1,745 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 659 10,552 SH   SOLE   10,552 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 84 1,340 SH   OTR   1,340 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 24,343 107,604 SH   SOLE   107,604 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 37 165 SH   OTR   165 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 461 2,109 SH   SOLE   2,109 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 207 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 14,666 158,708 SH   SOLE   158,708 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 53 575 SH   OTR   575 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 554 11,474 SH   SOLE   11,474 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 16 325 SH   OTR   325 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 24,145 980,711 SH   SOLE   980,711 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 5 200 SH   OTR   200 0 0
MERCK & CO INC COMMON STOCK 58933Y105 202 2,215 SH   SOLE   2,215 0 0
MICROSOFT CORP COMMON STOCK 594918104 753 2,933 SH   SOLE   2,933 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103 709 1,879 SH   SOLE   1,879 0 0
SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409 29,487 564,013 SH   SOLE   564,013 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 31,366 437,885 SH   SOLE   437,885 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 150 2,100 SH   OTR   2,100 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 1,912 24,620 SH   SOLE   24,620 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 236 3,045 SH   OTR   3,045 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 291 2,865 SH   SOLE   2,865 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 32,889 479,356 SH   SOLE   479,356 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 14 200 SH   OTR   200 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 415 9,965 SH   SOLE   9,965 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 42 1,000 SH   OTR   1,000 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578 20,408 711,577 SH   SOLE   711,577 0 0