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
ISHARES TR CORE S&P500 ETF 464287200 479 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 301 2,500 SH   SOLE   2,500 0 0
ISHARES TR CORE S&P MCP ETF 464287507 205 1,180 SH   OTR   0 0 1,180
ISHARES TR RUS 1000 VAL ETF 464287598 453 3,890 SH   SOLE   3,890 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 470 3,950 SH   SOLE   3,950 0 0
ISHARES TR MICRO-CAP ETF 464288869 264 2,968 SH   SOLE   2,968 0 0
JPMORGAN CHASE & CO COM 46625H100 294 3,212 SH   OTR   0 0 3,212
MCDONALDS CORP COM 580135101 405 2,643 SH   OTR   0 0 2,643
POWERSHARES ACT MANG COMM FD OPT YLD DIV 73937V106 917 58,108 SH   SOLE   58,108 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 6,783 469,415 SH   SOLE   469,415 0 0
PROCTER AND GAMBLE CO COM 742718109 632 7,257 SH   OTR   0 0 7,257
PROCTER AND GAMBLE CO COM 742718109 174 2,000 SH Call OTR   0 0 2,000
QUALCOMM INC COM 747525103 204 3,700 SH Call OTR   0 0 3,700
QUALCOMM INC COM 747525103 240 4,343 SH   OTR   0 0 4,343
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 515 8,154 SH   SOLE   8,154 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 597 11,884 SH   SOLE   11,884 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 284 11,424 SH   SOLE   11,424 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,037 32,643 SH   SOLE   32,643 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 497 12,060 SH   SOLE   12,060 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 410 8,126 SH   SOLE   8,126 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 363 6,599 SH   SOLE   6,599 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 201 4,837 SH   SOLE   4,837 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 311 1,439 SH   SOLE   1,439 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 415 3,483 SH   SOLE   3,483 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 23,293 159,837 SH   SOLE   159,837 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 382 3,109 SH   SOLE   3,109 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 16,943 133,369 SH   SOLE   133,369 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,059 387,149 SH   SOLE   387,149 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 30,015 374,998 SH   SOLE   374,998 0 0