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 265 1,681 SH   OTR   0 0 1,681
ISHARES TR CORE S&P500 ETF 464287200 495 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 282 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 224 2,719 SH   SOLE   2,719 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 481 3,671 SH   SOLE   3,671 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 391 3,523 SH   SOLE   3,523 0 0
JPMORGAN CHASE & CO COM 46625H100 314 3,212 SH   OTR   0 0 3,212
MCDONALDS CORP COM 580135101 483 2,723 SH   OTR   0 0 2,723
MICROSOFT CORP COM 594918104 220 2,168 SH   OTR   0 0 2,168
PROCTER AND GAMBLE CO COM 742718109 184 2,000 SH Call OTR   0 0 2,000
PROCTER AND GAMBLE CO COM 742718109 672 7,307 SH   OTR   0 0 7,307
QUALCOMM INC COM 747525103 223 3,923 SH   OTR   0 0 3,923
QUALCOMM INC COM 747525103 199 3,500 SH Call OTR   0 0 3,500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 429 18,249 SH   SOLE   18,249 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,151 40,585 SH   SOLE   40,585 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 399 7,989 SH   SOLE   7,989 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 655 9,500 SH   SOLE   9,500 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 780 15,822 SH   SOLE   15,822 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 495 12,847 SH   SOLE   12,847 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 334 5,501 SH   SOLE   5,501 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 417 7,825 SH   SOLE   7,825 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 354 6,571 SH   SOLE   6,571 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 968 17,994 SH   SOLE   17,994 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 22,973 171,019 SH   SOLE   171,019 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 362 3,171 SH   SOLE   3,171 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 22,712 150,817 SH   SOLE   150,817 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,092 398,413 SH   SOLE   398,413 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,355 427,954 SH   SOLE   427,954 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 235 6,331 SH   SOLE   6,331 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 386 6,873 SH   OTR   0 0 6,873