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
3M CO COM 88579Y101 254 1,225 SH   OTR   0 0 1,225
APPLE INC COM 037833100 303 1,595 SH   OTR   0 0 1,595
EXXON MOBIL CORP COM 30231G102 248 3,072 SH   OTR   672 0 2,400
GABELLI EQUITY TR INC COM 362397101 79 12,815 SH   OTR   0 0 12,815
ISHARES TR CORE S&P MCP ETF 464287507 223 1,180 SH   OTR   0 0 1,180
ISHARES TR CORE S&P500 ETF 464287200 560 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 298 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 243 2,621 SH   SOLE   2,621 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 444 2,936 SH   SOLE   2,936 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 358 2,898 SH   SOLE   2,898 0 0
JOHNSON & JOHNSON COM 478160104 285 2,038 SH   OTR   0 0 2,038
JPMORGAN CHASE & CO COM 46625H100 325 3,212 SH   OTR   0 0 3,212
MCDONALDS CORP COM 580135101 520 2,737 SH   OTR   0 0 2,737
MICROSOFT CORP COM 594918104 256 2,170 SH   OTR   0 0 2,170
PROCTER AND GAMBLE CO COM 742718109 208 2,000 SH Call OTR   0 0 2,000
PROCTER AND GAMBLE CO COM 742718109 761 7,314 SH   OTR   0 0 7,314
QUALCOMM INC COM 747525103 218 3,823 SH   OTR   0 0 3,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 493 18,964 SH   SOLE   18,964 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,274 40,674 SH   SOLE   40,674 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 405 8,067 SH   SOLE   8,067 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 746 9,388 SH   SOLE   9,388 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 901 16,459 SH   SOLE   16,459 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 574 12,923 SH   SOLE   12,923 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 405 5,796 SH   SOLE   5,796 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 415 7,552 SH   SOLE   7,552 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 389 6,510 SH   SOLE   6,510 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,075 17,821 SH   SOLE   17,821 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 27,023 172,761 SH   SOLE   172,761 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 433 3,362 SH   SOLE   3,362 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 26,783 149,024 SH   SOLE   149,024 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 224 2,084 SH   SOLE   2,084 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,513 400,840 SH   SOLE   400,840 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,629 434,162 SH   SOLE   434,162 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 310 7,587 SH   SOLE   7,587 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 406 6,873 SH   OTR   0 0 6,873