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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   452 3,000 SH   SOLE 3,000 0 0
3M CO COM 88579Y101   105 700 SH   OTR 700 0 0
ALTRIA GROUP INC COM 02209S103   349 6,000 SH   OTR 6,000 0 0
ALTRIA GROUP INC COM 02209S103   116 2,000 SH   SOLE 2,000 0 0
AMERICAN EXPRESS CO COM 025816109   250 3,600 SH   OTR 3,600 0 0
APPLE INC COM 037833100   929 8,824 SH   OTR 8,824 0 0
BANK AMER CORP COM 060505104   196 11,664 SH   SOLE 11,664 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   495 23,064 SH   OTR 23,064 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   2,075 30,171 SH   OTR 30,171 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   291 4,224 SH   SOLE 4,224 0 0
CISCO SYS INC COM 17275R102   424 15,600 SH   SOLE 15,600 0 0
CISCO SYS INC COM 17275R102   28 1,020 SH   OTR 1,020 0 0
COCA COLA CO COM 191216100   412 9,600 SH   OTR 9,600 0 0
COCA COLA CO COM 191216100   1,929 44,900 SH   SOLE 44,900 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   238 3,333 SH   OTR 3,333 0 0
EMERSON ELEC CO COM 291011104   574 12,000 SH   SOLE 12,000 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108   369 4,218 SH   SOLE 4,218 0 0
EXXON MOBIL CORP COM 30231G102   1,920 24,627 SH   OTR 24,627 0 0
EXXON MOBIL CORP COM 30231G102   140 1,800 SH   SOLE 1,800 0 0
GENERAL ELECTRIC CO COM 369604103   209 6,720 SH   OTR 6,720 0 0
GENERAL ELECTRIC CO COM 369604103   206 6,600 SH   SOLE 6,600 0 0
ISHARES TR CORE S&P MCP ETF 464287507   421 3,023 SH   OTR 3,023 0 0
ISHARES TR CORE S&P SCP ETF 464287804   9,436 85,699 SH   OTR 85,699 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,286 11,679 SH   SOLE 11,679 0 0
ISHARES TR CORE S&P500 ETF 464287200   530 2,585 SH   SOLE 2,585 0 0
ISHARES TR EAFE SML CP ETF 464288273   40 800 SH   SOLE 800 0 0
ISHARES TR EAFE SML CP ETF 464288273   659 13,195 SH   OTR 13,195 0 0
ISHARES TR MSCI ACWI ETF 464288257   2,326 41,673 SH   OTR 41,673 0 0
ISHARES TR MSCI ACWI EX US 464288240   68 1,718 SH   SOLE 1,718 0 0
ISHARES TR MSCI ACWI EX US 464288240   11,237 283,702 SH   OTR 283,702 0 0
ISHARES TR MSCI EAFE ETF 464287465   359 6,120 SH   SOLE 6,120 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,892 49,246 SH   OTR 49,246 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   99 3,075 SH   SOLE 3,075 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   959 29,803 SH   OTR 29,803 0 0
ISHARES TR RUS 1000 ETF 464287622   1,279 11,290 SH   SOLE 11,290 0 0
ISHARES TR RUS 1000 ETF 464287622   17,955 158,458 SH   OTR 158,458 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,682 26,964 SH   OTR 26,964 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,642 27,002 SH   OTR 27,002 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   1,087 7,807 SH   OTR 7,807 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   3,992 43,416 SH   OTR 43,416 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,623 23,286 SH   SOLE 23,286 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   4,102 36,420 SH   OTR 36,420 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   3,432 28,528 SH   OTR 28,528 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   103 853 SH   SOLE 853 0 0
JOHNSON & JOHNSON COM 478160104   939 9,140 SH   OTR 9,140 0 0
JPMORGAN CHASE & CO COM 46625H100   831 12,580 SH   OTR 12,580 0 0
MARKET VECTORS ETF TR GOLD MINER ETF 57060U100   140 10,210 SH   OTR 10,210 0 0
MERCK & CO INC NEW COM 58933Y105   1,310 24,800 SH   SOLE 24,800 0 0
PFIZER INC COM 717081103   61 1,891 SH   OTR 1,891 0 0
PFIZER INC COM 717081103   458 14,184 SH   SOLE 14,184 0 0
PHILIP MORRIS INTL INC COM 718172109   1,091 12,415 SH   OTR 12,415 0 0
PHILIP MORRIS INTL INC COM 718172109   79 900 SH   SOLE 900 0 0
POST HLDGS INC COM 737446104   9,046 146,613 SH   OTR 146,613 0 0
PROGRESSIVE CORP OHIO COM 743315103   1,145 36,000 SH   OTR 36,000 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,215 25,968 SH   SOLE 25,968 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   7,813 166,947 SH   OTR 166,947 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   38,552 189,103 SH   OTR 189,103 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,872 28,801 SH   SOLE 28,801 0 0
STEEL PARTNERS HLDGS L P LTD PRTRSHIP U 85814R107   1,952 119,167 SH   OTR 119,167 0 0
TIME WARNER CABLE INC COM 88732J207   238 1,285 SH   SOLE 1,285 0 0
TIME WARNER INC COM NEW 887317303   331 5,120 SH   SOLE 5,120 0 0
TORTOISE ENERGY INFRSTRCTR C COM 89147L100   814 29,255 SH   OTR 29,255 0 0
TORTOISE ENERGY INFRSTRCTR C COM 89147L100   423 15,212 SH   SOLE 15,212 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,976 45,517 SH   OTR 45,517 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   115 2,650 SH   SOLE 2,650 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   440 13,461 SH   OTR 13,461 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   341 6,680 SH   SOLE 6,680 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   69 1,192 SH   OTR 1,192 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   326 5,655 SH   SOLE 5,655 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102   43 422 SH   SOLE 422 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102   807 7,868 SH   OTR 7,868 0 0