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
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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 538 1,474 SH   OTR   45 0 1,429
CISCO SYS INC COM 17275R102 200 4,281 SH   OTR   0 0 4,281
ISHARES TR CORE S&P MCP ETF 464287507 210 1,180 SH   OTR   0 0 1,180
ISHARES TR CORE S&P500 ETF 464287200 610 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 336 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 201 2,300 SH   SOLE   2,300 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 470 2,450 SH   SOLE   2,450 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 286 2,539 SH   SOLE   2,539 0 0
JOHNSON & JOHNSON COM 478160104 300 2,132 SH   OTR   195 0 1,937
JPMORGAN CHASE & CO COM 46625H100 296 3,146 SH   OTR   51 0 3,095
MCDONALDS CORP COM 580135101 485 2,630 SH   OTR   258 0 2,372
MICROSOFT CORP COM 594918104 389 1,912 SH   OTR   0 0 1,912
PROCTER AND GAMBLE CO COM 742718109 411 3,439 SH   OTR   39 0 3,400
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 545 22,399 SH   SOLE   22,399 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,293 43,475 SH   SOLE   43,475 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 799 7,871 SH   SOLE   7,871 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,250 24,938 SH   SOLE   24,938 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 470 13,353 SH   SOLE   13,353 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 495 7,582 SH   SOLE   7,582 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 249 4,388 SH   SOLE   4,388 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 740 15,066 SH   SOLE   15,066 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 21,910 263,592 SH   SOLE   263,592 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 33,377 165,157 SH   SOLE   165,157 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,046 9,782 SH   SOLE   9,782 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 19,208 96,232 SH   SOLE   96,232 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 493 9,827 SH   SOLE   9,827 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 696 8,422 SH   SOLE   8,422 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 274 7,072 SH   SOLE   7,072 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 366 6,631 SH   OTR   0 0 6,631