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
Estimated average burden
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 460 2,760 SH   SOLE   2,760 0 0
3M CO COM 88579Y101 192 1,150 SH   OTR   1,150 0 0
ABBOTT LABS COM 002824100 159 3,790 SH   OTR   3,790 0 0
ABBOTT LABS COM 002824100 63 1,500 SH   SOLE   1,500 0 0
ABBVIE INC COM 00287Y109 206 3,600 SH   OTR   3,600 0 0
ABBVIE INC COM 00287Y109 57 1,000 SH   SOLE   1,000 0 0
ALLERGAN PLC SHS G0177J108 251 938 SH   OTR   938 0 0
ALTRIA GROUP INC COM 02209S103 471 7,520 SH   OTR   7,520 0 0
ALTRIA GROUP INC COM 02209S103 125 2,000 SH   SOLE   2,000 0 0
AMERICAN EXPRESS CO COM 025816109 263 4,280 SH   OTR   4,280 0 0
APPLE INC COM 037833100 1,446 13,270 SH   OTR   13,270 0 0
AT&T INC COM 00206R102 93 2,368 SH   SOLE   2,368 0 0
AT&T INC COM 00206R102 265 6,773 SH   OTR   6,773 0 0
BANK AMER CORP COM 060505104 145 10,732 SH   SOLE   10,732 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 471 21,895 SH   OTR   21,895 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 2,240 35,066 SH   OTR   35,066 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 248 3,886 SH   SOLE   3,886 0 0
CARDINAL HEALTH INC COM 14149Y108 269 3,278 SH   OTR   3,278 0 0
CISCO SYS INC COM 17275R102 144 5,065 SH   OTR   5,065 0 0
CISCO SYS INC COM 17275R102 409 14,352 SH   SOLE   14,352 0 0
COCA COLA CO COM 191216100 772 16,640 SH   OTR   16,640 0 0
COCA COLA CO COM 191216100 1,923 41,444 SH   SOLE   41,444 0 0
COMCAST CORP NEW CL A 20030N101 342 5,594 SH   OTR   5,594 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 330 4,088 SH   OTR   4,088 0 0
EMERSON ELEC CO COM 291011104 600 11,040 SH   SOLE   11,040 0 0
EMERSON ELEC CO COM 291011104 205 3,765 SH   OTR   3,765 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 267 3,882 SH   SOLE   3,882 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 21 312 SH   OTR   312 0 0
EXXON MOBIL CORP COM 30231G102 2,526 30,223 SH   OTR   30,223 0 0
EXXON MOBIL CORP COM 30231G102 115 1,375 SH   SOLE   1,375 0 0
GENERAL ELECTRIC CO COM 369604103 458 14,420 SH   OTR   14,420 0 0
GENERAL ELECTRIC CO COM 369604103 210 6,600 SH   SOLE   6,600 0 0
ISHARES TR CORE S&P MCP ETF 464287507 436 3,023 SH   OTR   3,023 0 0
ISHARES TR CORE S&P SCP ETF 464287804 16,071 142,766 SH   OTR   142,766 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,343 29,699 SH   SOLE   29,699 0 0
ISHARES TR CORE S&P500 ETF 464287200 534 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 657 13,195 SH   OTR   13,195 0 0
ISHARES TR MSCI ACWI ETF 464288257 6,634 118,336 SH   OTR   118,336 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 11,201 283,702 SH   OTR   283,702 0 0
ISHARES TR MSCI EAFE ETF 464287465 350 6,120 SH   SOLE   6,120 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,815 49,246 SH   OTR   49,246 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 164 4,800 SH   SOLE   4,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 408 11,919 SH   OTR   11,919 0 0
ISHARES TR RUS 1000 ETF 464287622 18,011 157,895 SH   OTR   157,895 0 0
ISHARES TR RUS 1000 ETF 464287622 1,430 12,539 SH   SOLE   12,539 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,693 26,990 SH   OTR   26,990 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,675 27,075 SH   OTR   27,075 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,036 7,812 SH   OTR   7,812 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 4,067 43,643 SH   OTR   43,643 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,692 24,335 SH   SOLE   24,335 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 4,041 36,531 SH   OTR   36,531 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,415 28,255 SH   OTR   28,255 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 104 863 SH   SOLE   863 0 0
ISHARES TR SP SMCP600GR ETF 464287887 290 2,332 SH   OTR   2,332 0 0
JOHNSON & JOHNSON COM 478160104 1,172 10,830 SH   OTR   10,830 0 0
JPMORGAN CHASE & CO COM 46625H100 896 15,130 SH   OTR   15,130 0 0
KROGER CO COM 501044101 298 7,792 SH   OTR   7,792 0 0
MARKET VECTORS ETF TR GOLD MINER ETF 57060U100 204 10,210 SH   OTR   10,210 0 0
MEAD JOHNSON NUTRITION CO COM 582839106 310 3,645 SH   OTR   3,645 0 0
MERCK & CO INC NEW COM 58933Y105 1,221 23,072 SH   SOLE   23,072 0 0
MERCK & CO INC NEW COM 58933Y105 74 1,397 SH   OTR   1,397 0 0
MICROSOFT CORP COM 594918104 350 6,340 SH   OTR   6,340 0 0
PFIZER INC COM 717081103 387 13,050 SH   SOLE   13,050 0 0
PFIZER INC COM 717081103 171 5,781 SH   OTR   5,781 0 0
PHILIP MORRIS INTL INC COM 718172109 1,264 12,880 SH   OTR   12,880 0 0
PHILIP MORRIS INTL INC COM 718172109 88 900 SH   SOLE   900 0 0
POST HLDGS INC COM 737446104 10,083 146,613 SH   OTR   146,613 0 0
PROCTER & GAMBLE CO COM 742718109 233 2,830 SH   OTR   2,830 0 0
PROGRESSIVE CORP OHIO COM 743315103 1,266 36,030 SH   OTR   36,030 0 0
REPUBLIC SVCS INC COM 760759100 209 4,382 SH   OTR   4,382 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,823 37,227 SH   SOLE   37,227 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 9,844 201,029 SH   OTR   201,029 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 39,289 191,168 SH   OTR   191,168 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,936 28,881 SH   SOLE   28,881 0 0
STEEL PARTNERS HLDGS L P LTD PRTRSHIP U 85814R107 1,817 119,167 SH   OTR   119,167 0 0
TIME WARNER CABLE INC COM 88732J207 10 50 SH   OTR   50 0 0
TIME WARNER CABLE INC COM 88732J207 242 1,183 SH   SOLE   1,183 0 0
TIME WARNER INC COM NEW 887317303 47 650 SH   OTR   650 0 0
TIME WARNER INC COM NEW 887317303 342 4,712 SH   SOLE   4,712 0 0
TORTOISE ENERGY INFRA CORP COM 89147L100 389 15,827 SH   OTR   15,827 0 0
TRAVELERS COMPANIES INC COM 89417E109 231 1,983 SH   OTR   1,983 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 989 22,910 SH   SOLE   22,910 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,403 55,696 SH   OTR   55,696 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 466 13,468 SH   OTR   13,468 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 357 6,680 SH   SOLE   6,680 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 69 1,197 SH   OTR   1,197 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 328 5,677 SH   SOLE   5,677 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 181 3,354 SH   OTR   3,354 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 59 1,098 SH   SOLE   1,098 0 0
WELLS FARGO & CO NEW COM 949746101 289 5,980 SH   OTR   5,980 0 0
WELLS FARGO & CO NEW COM 949746101 19 400 SH   SOLE   400 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102 36 338 SH   SOLE   338 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102 1,114 10,450 SH   OTR   10,450 0 0