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
APPLE INC COM 037833100 2,128 14,812 SH   SOLE   14,363 0 449
APPLE INC COM 037833100 14 100 SH   OTR   0 0 100
ISHARES TR CORE US AGGBD ET 464287226 285 2,627 SH   SOLE   2,627 0 0
AMAZON COM INC COM 023135106 288 325 SH   SOLE   290 0 35
BANK AMER CORP COM 060505104 218 9,238 SH   SOLE   9,238 0 0
BIOGEN INC COM 09062X103 370 1,355 SH   SOLE   1,355 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 556 6,652 SH   SOLE   6,291 0 361
BRISTOL MYERS SQUIBB CO COM 110122108 257 4,721 SH   SOLE   406 0 4,315
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,958 24,144 SH   SOLE   21,105 0 3,039
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,958 11,747 SH   SOLE   11,229 0 518
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 16,679 209,224 SH   SOLE   199,239 0 9,985
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 175 2,193 SH   OTR   0 0 2,193
COLGATE PALMOLIVE CO COM 194162103 263 3,590 SH   SOLE   0 0 3,590
CAPITAL ONE FINL CORP COM 14040H105 455 5,255 SH   SOLE   5,255 0 0
CISCO SYS INC COM 17275R102 202 5,975 SH   SOLE   5,975 0 0
CHEVRON CORP NEW COM 166764100 340 3,168 SH   SOLE   2,212 0 956
DU PONT E I DE NEMOURS & CO COM 263534109 284 3,534 SH   SOLE   0 0 3,534
DANAHER CORP DEL COM 235851102 273 3,190 SH   SOLE   3,190 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 464 11,789 SH   SOLE   11,789 0 0
ISHARES TR MSCI EAFE ETF 464287465 337 5,409 SH   SOLE   3,640 0 1,769
FACEBOOK INC CL A 30303M102 392 2,762 SH   SOLE   2,617 0 145
GENERAL ELECTRIC CO COM 369604103 416 13,960 SH   SOLE   8,410 0 5,550
GENERAL ELECTRIC CO COM 369604103 6 200 SH   OTR   0 0 200
ALPHABET INC CAP STK CL A 02079K305 142 167 SH   SOLE   142 0 25
ALPHABET INC CAP STK CL A 02079K305 212 250 SH   OTR   0 0 250
INTERNATIONAL BUSINESS MACHS COM 459200101 472 2,713 SH   SOLE   2,713 0 0
ISHARES TR CORE S&P MCP ETF 464287507 225 1,314 SH   SOLE   1,314 0 0
INTEL CORP COM 458140100 1,728 47,887 SH   SOLE   47,887 0 0
INTUIT COM 461202103 391 3,375 SH   SOLE   3,375 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 591 4,493 SH   SOLE   4,493 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 678 5,896 SH   SOLE   5,744 0 152
ISHARES TR RUS 1000 GRW ETF 464287614 276 2,426 SH   SOLE   2,426 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 448 3,257 SH   SOLE   2,714 0 543
ISHARES TR RUS MID CAP ETF 464287499 427 2,280 SH   SOLE   2,280 0 0
JOHNSON & JOHNSON COM 478160104 448 3,599 SH   SOLE   2,406 0 1,193
JPMORGAN CHASE & CO COM 46625H100 608 6,922 SH   SOLE   6,531 0 391
KRAFT HEINZ CO COM 500754106 208 2,289 SH   SOLE   1,216 0 1,073
MONDELEZ INTL INC CL A 609207105 251 5,821 SH   SOLE   3,619 0 2,202
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 291 933 SH   SOLE   933 0 0
MARSH & MCLENNAN COS INC COM 571748102 236 3,190 SH   SOLE   3,190 0 0
3M CO COM 88579Y101 573 2,993 SH   SOLE   2,608 0 385
ALTRIA GROUP INC COM 02209S103 389 5,443 SH   SOLE   4,413 0 1,030
MICROSOFT CORP COM 594918104 1,001 15,206 SH   SOLE   14,721 0 485
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 550 10,954 SH   SOLE   10,954 0 0
PFIZER INC COM 717081103 260 7,613 SH   SOLE   1,376 0 6,237
PROCTER AND GAMBLE CO COM 742718109 749 8,340 SH   SOLE   7,864 0 476
PHILIP MORRIS INTL INC COM 718172109 255 2,255 SH   SOLE   1,245 0 1,010
PRAXAIR INC COM 74005P104 260 2,195 SH   SOLE   2,195 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 7,372 81,173 SH   SOLE   77,144 0 4,029
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 177 1,950 SH   OTR   0 0 1,950
RAYTHEON CO COM NEW 755111507 252 1,650 SH   SOLE   1,650 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 341 5,969 SH   SOLE   5,969 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 352 14,668 SH   SOLE   14,668 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,042 34,890 SH   SOLE   34,889 0 1
SCHWAB STRATEGIC TR US REIT ETF 808524847 205 5,031 SH   SOLE   4,650 0 381
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 217 4,586 SH   SOLE   4,586 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2 51 SH   OTR   0 0 51
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 246 4,870 SH   SOLE   4,869 0 1
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18 356 SH   OTR   0 0 356
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 357 6,899 SH   SOLE   6,725 0 174
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 17 329 SH   OTR   0 0 329
SCHLUMBERGER LTD COM 806857108 328 4,200 SH   SOLE   2,461 0 1,739
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,924 25,127 SH   SOLE   23,870 0 1,257
SPDR S&P 500 ETF TR TR UNIT 78462F103 129 548 SH   OTR   0 0 548
AT&T INC COM 00206R102 480 11,545 SH   SOLE   4,906 0 6,639
UNION PAC CORP COM 907818108 390 3,679 SH   SOLE   3,425 0 254
VISA INC COM CL A 92826C839 279 3,137 SH   SOLE   3,137 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,642 12,319 SH   SOLE   11,560 0 759
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,729 43,992 SH   SOLE   38,126 0 5,866
VANGUARD INDEX FDS REIT ETF 922908553 18,300 221,582 SH   SOLE   211,182 0 10,400
VANGUARD INDEX FDS REIT ETF 922908553 224 2,715 SH   OTR   0 0 2,715
VANGUARD INDEX FDS MID CAP ETF 922908629 8,819 63,339 SH   SOLE   59,697 0 3,642
VANGUARD INDEX FDS MID CAP ETF 922908629 92 664 SH   OTR   0 0 664
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,297 10,694 SH   SOLE   9,140 0 1,554
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 200 4,044 SH   SOLE   4,044 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 747 7,828 SH   SOLE   6,686 0 1,142
VANGUARD INDEX FDS GROWTH ETF 922908736 1,825 15,005 SH   SOLE   14,087 0 918
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,412 85,899 SH   SOLE   76,691 0 9,208
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 127 3,185 SH   OTR   0 0 3,185
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 453 5,832 SH   SOLE   5,832 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 221 4,532 SH   SOLE   4,532 0 0
WAL-MART STORES INC COM 931142103 367 5,098 SH   SOLE   5,098 0 0
EXXON MOBIL CORP COM 30231G102 702 8,564 SH   SOLE   4,572 0 3,992