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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102   680 36,925 SH   SOLE   30,129 0 6,796
AT&T INC COM 00206R102   20 1,100 SH   OTR   1,100 0 0
APPLE INC COM 037833100   2,429 18,692 SH   SOLE   18,692 0 0
CATERPILLAR INC COM 149123101   2,616 10,921 SH   SOLE   10,921 0 0
CISCO SYS INC COM 17275R102   541 11,353 SH   SOLE   11,353 0 0
COMCAST CORP NEW CL A 20030N101   432 12,353 SH   SOLE   10,347 0 2,006
ETF SER SOLUTIONS VIDENT INTERNATI 26922A404   415 19,181 SH   SOLE   19,181 0 0
ETF SER SOLUTIONS VIDENT US EQUITY 26922A503   694 16,691 SH   SOLE   16,691 0 0
EXXON MOBIL CORP COM 30231G102   2,890 26,205 SH   SOLE   26,205 0 0
INTEL CORP COM 458140100   321 12,140 SH   SOLE   12,140 0 0
INTEL CORP COM 458140100   42 1,600 SH   OTR   1,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,866 27,442 SH   SOLE   27,367 0 75
ISHARES TR CORE US AGGBD ET 464287226   319,065 3,289,669 SH   SOLE   3,288,779 91 799
ISHARES TR CORE US AGGBD ET 464287226   63 645 SH   OTR   645 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   888 23,428 SH   SOLE   23,428 0 0
ISHARES TR IBOXX INV CP ETF 464287242   478,735 4,540,786 SH   SOLE   4,540,040 118 628
ISHARES TR IBOXX INV CP ETF 464287242   88 839 SH   OTR   839 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   109,102 1,344,116 SH   SOLE   1,343,457 0 659
ISHARES TR 1 3 YR TREAS BD 464287457   33 404 SH   OTR   404 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,070 46,766 SH   SOLE   46,216 0 550
ISHARES TR CORE S&P MCP ETF 464287507   202,097 835,491 SH   SOLE   834,990 296 205
ISHARES TR CORE S&P MCP ETF 464287507   48 198 SH   OTR   198 0 0
ISHARES TR S&P MC 400VL ETF 464287705   4,383 43,486 SH   SOLE   43,486 0 0
ISHARES TR CORE S&P SCP ETF 464287804   190,401 2,011,850 SH   SOLE   2,010,729 748 373
ISHARES TR CORE S&P SCP ETF 464287804   48 502 SH   OTR   502 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   327,675 6,577,182 SH   SOLE   6,576,198 48 936
ISHARES TR ISHS 1-5YR INVS 464288646   79 1,594 SH   OTR   1,594 0 0
ISHARES TR CORE MSCI EAFE 46432F842   296,820 4,815,382 SH   SOLE   4,812,963 1,673 746
ISHARES TR CORE MSCI EAFE 46432F842   68 1,111 SH   OTR   1,111 0 0
ISHARES INC CORE MSCI EMKT 46434G103   200,853 4,300,920 SH   SOLE   4,298,337 1,708 875
ISHARES INC CORE MSCI EMKT 46434G103   47 1,004 SH   OTR   1,004 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   929 18,524 SH   SOLE   18,524 0 0
MARATHON OIL CORP COM 565849106   292 10,773 SH   SOLE   10,773 0 0
MARATHON PETE CORP COM 56585A102   1,298 11,148 SH   SOLE   11,148 0 0
MICROSOFT CORP COM 594918104   6,309 26,306 SH   SOLE   26,306 0 0
NVIDIA CORPORATION COM 67066G104   1,747 11,951 SH   SOLE   11,951 0 0
PFIZER INC COM 717081103   1,365 26,642 SH   SOLE   26,642 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   6,403 64,905 SH   SOLE   64,905 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   421,697 1,102,677 SH   SOLE   1,101,694 368 615
SPDR S&P 500 ETF TR TR UNIT 78462F103   115 302 SH   OTR   302 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   8,767 298,398 SH   SOLE   298,050 0 348
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,744 34,778 SH   SOLE   34,778 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   55,429 737,188 SH   SOLE   737,188 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   66,079 852,518 SH   SOLE   852,518 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   67 863 SH   OTR   863 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   28,360 141,420 SH   SOLE   141,295 19 106
VANGUARD INDEX FDS GROWTH ETF 922908736   26,217 123,022 SH   SOLE   122,896 12 114
VANGUARD INDEX FDS VALUE ETF 922908744   421,733 3,004,435 SH   SOLE   3,003,190 811 434
VANGUARD INDEX FDS VALUE ETF 922908744   74 527 SH   OTR   527 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   848 21,530 SH   SOLE   19,156 0 2,374
VERIZON COMMUNICATIONS INC COM 92343V104   31 782 SH   OTR   782 0 0