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 2,151 14,935 SH   SOLE   14,486 0 449
APPLE INC COM 037833100 14 100 SH   OTR   0 0 100
ISHARES TR CORE US AGGBD ET 464287226 243 2,217 SH   SOLE   2,217 0 0
AMAZON COM INC COM 023135106 315 325 SH   SOLE   290 0 35
AMERICAN EXPRESS CO COM 025816109 201 2,388 SH   SOLE   2,388 0 0
BANK AMER CORP COM 060505104 224 9,238 SH   SOLE   9,238 0 0
BIOGEN INC COM 09062X103 419 1,545 SH   SOLE   1,545 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 563 6,663 SH   SOLE   6,302 0 361
BRISTOL MYERS SQUIBB CO COM 110122108 264 4,730 SH   SOLE   409 0 4,321
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,460 30,057 SH   SOLE   26,859 0 3,198
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,190 12,932 SH   SOLE   11,679 0 1,253
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 18,726 234,517 SH   SOLE   224,279 0 10,238
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 176 2,202 SH   OTR   0 0 2,202
COLGATE PALMOLIVE CO COM 194162103 266 3,590 SH   SOLE   0 0 3,590
CAPITAL ONE FINL CORP COM 14040H105 434 5,255 SH   SOLE   5,255 0 0
CHEVRON CORP NEW COM 166764100 323 3,091 SH   SOLE   2,135 0 956
DU PONT E I DE NEMOURS & CO COM 263534109 285 3,534 SH   SOLE   0 0 3,534
DANAHER CORP DEL COM 235851102 269 3,190 SH   SOLE   3,190 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 470 11,347 SH   SOLE   11,347 0 0
ISHARES TR MSCI EAFE ETF 464287465 326 5,007 SH   SOLE   3,212 0 1,795
FACEBOOK INC CL A 30303M102 417 2,762 SH   SOLE   2,617 0 145
FORTIS INC COM 349553107 196 5,570 SH   SOLE   5,570 0 0
FORTIS INC COM 349553107 7 200 SH   OTR   0 0 200
GENERAL ELECTRIC CO COM 369604103 318 11,756 SH   SOLE   5,843 0 5,913
GENERAL ELECTRIC CO COM 369604103 5 200 SH   OTR   0 0 200
ALPHABET INC CAP STK CL A 02079K305 169 182 SH   SOLE   157 0 25
ALPHABET INC CAP STK CL A 02079K305 232 250 SH   OTR   0 0 250
INTERNATIONAL BUSINESS MACHS COM 459200101 417 2,713 SH   SOLE   2,713 0 0
ISHARES TR CORE S&P MCP ETF 464287507 229 1,314 SH   SOLE   1,314 0 0
INTEL CORP COM 458140100 1,441 42,696 SH   SOLE   42,696 0 0
INTUIT COM 461202103 448 3,375 SH   SOLE   3,375 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 611 4,465 SH   SOLE   4,465 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 686 5,896 SH   SOLE   5,744 0 152
ISHARES TR RUS 1000 GRW ETF 464287614 289 2,426 SH   SOLE   2,426 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 459 3,257 SH   SOLE   2,714 0 543
ISHARES TR RUS MID CAP ETF 464287499 438 2,280 SH   SOLE   2,280 0 0
JOHNSON & JOHNSON COM 478160104 447 3,376 SH   SOLE   2,183 0 1,193
JPMORGAN CHASE & CO COM 46625H100 644 7,042 SH   SOLE   6,651 0 391
MASTERCARD INCORPORATED CL A 57636Q104 214 1,760 SH   SOLE   1,660 0 100
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 281 883 SH   SOLE   883 0 0
MARSH & MCLENNAN COS INC COM 571748102 249 3,190 SH   SOLE   3,190 0 0
3M CO COM 88579Y101 623 2,993 SH   SOLE   2,608 0 385
ALTRIA GROUP INC COM 02209S103 363 4,870 SH   SOLE   3,840 0 1,030
MICROSOFT CORP COM 594918104 1,030 14,945 SH   SOLE   14,293 0 652
NEXTERA ENERGY INC COM 65339F101 210 1,496 SH   SOLE   1,496 0 0
NORFOLK SOUTHERN CORP COM 655844108 190 1,560 SH   SOLE   1,560 0 0
NORFOLK SOUTHERN CORP COM 655844108 12 100 SH   OTR   0 0 100
PFIZER INC COM 717081103 249 7,425 SH   SOLE   1,179 0 6,246
PROCTER AND GAMBLE CO COM 742718109 615 7,055 SH   SOLE   6,579 0 476
PHILIP MORRIS INTL INC COM 718172109 265 2,255 SH   SOLE   1,245 0 1,010
PRAXAIR INC COM 74005P104 291 2,195 SH   SOLE   2,195 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 7,442 80,295 SH   SOLE   76,074 0 4,221
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 181 1,950 SH   OTR   0 0 1,950
RAYTHEON CO COM NEW 755111507 266 1,650 SH   SOLE   1,650 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 401 6,867 SH   SOLE   6,412 0 455
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 377 15,189 SH   SOLE   14,983 0 206
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,117 35,157 SH   SOLE   34,887 0 270
SCHWAB STRATEGIC TR US REIT ETF 808524847 244 5,909 SH   SOLE   5,366 0 543
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 206 4,280 SH   SOLE   4,280 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 275 5,459 SH   SOLE   5,329 0 130
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18 356 SH   OTR   0 0 356
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 404 7,740 SH   SOLE   7,374 0 366
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 17 329 SH   OTR   0 0 329
SCHLUMBERGER LTD COM 806857108 265 4,020 SH   SOLE   2,461 0 1,559
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,916 24,467 SH   SOLE   23,144 0 1,323
SPDR S&P 500 ETF TR TR UNIT 78462F103 133 548 SH   OTR   0 0 548
AT&T INC COM 00206R102 436 11,555 SH   SOLE   4,912 0 6,643
UNION PAC CORP COM 907818108 401 3,680 SH   SOLE   3,425 0 255
VISA INC COM CL A 92826C839 282 3,005 SH   SOLE   3,005 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,567 11,559 SH   SOLE   10,908 0 651
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,759 42,576 SH   SOLE   36,691 0 5,885
VANGUARD INDEX FDS REIT ETF 922908553 20,036 240,734 SH   SOLE   227,670 0 13,064
VANGUARD INDEX FDS REIT ETF 922908553 228 2,740 SH   OTR   0 0 2,740
VANGUARD INDEX FDS MID CAP ETF 922908629 8,403 58,958 SH   SOLE   55,588 0 3,370
VANGUARD INDEX FDS MID CAP ETF 922908629 95 668 SH   OTR   0 0 668
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,341 10,772 SH   SOLE   9,176 0 1,596
VANGUARD INDEX FDS VALUE ETF 922908744 705 7,304 SH   SOLE   6,064 0 1,240
VANGUARD INDEX FDS GROWTH ETF 922908736 1,932 15,207 SH   SOLE   14,395 0 812
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,442 84,293 SH   SOLE   76,344 0 7,949
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 131 3,204 SH   OTR   0 0 3,204
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 287 3,670 SH   SOLE   3,670 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 203 4,538 SH   SOLE   4,538 0 0
WAL-MART STORES INC COM 931142103 386 5,098 SH   SOLE   5,098 0 0
EXXON MOBIL CORP COM 30231G102 691 8,564 SH   SOLE   4,572 0 3,992