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 213 1,227 SH   OTR   0 0 1,227
APPLE INC COM 037833100 316 1,596 SH   OTR   0 0 1,596
EXXON MOBIL CORP COM 30231G102 234 3,049 SH   OTR   672 0 2,377
GABELLI EQUITY TR INC COM 362397101 79 12,815 SH   OTR   0 0 12,815
ISHARES TR CORE INTL AGGR 46435G672 260 4,771 SH   SOLE   4,771 0 0
ISHARES TR CORE S&P MCP ETF 464287507 229 1,180 SH   OTR   0 0 1,180
ISHARES TR CORE S&P500 ETF 464287200 580 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 311 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 235 2,521 SH   SOLE   2,521 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 462 2,936 SH   SOLE   2,936 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 358 2,817 SH   SOLE   2,817 0 0
JOHNSON & JOHNSON COM 478160104 281 2,017 SH   OTR   0 0 2,017
JPMORGAN CHASE & CO COM 46625H100 347 3,100 SH   OTR   0 0 3,100
MCDONALDS CORP COM 580135101 561 2,699 SH   OTR   0 0 2,699
MICROSOFT CORP COM 594918104 277 2,070 SH   OTR   0 0 2,070
PROCTER AND GAMBLE CO COM 742718109 364 3,322 SH   OTR   0 0 3,322
QUALCOMM INC COM 747525103 228 3,000 SH Call OTR   0 0 3,000
QUALCOMM INC COM 747525103 291 3,823 SH   OTR   0 0 3,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 569 21,677 SH   SOLE   21,677 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,314 40,955 SH   SOLE   40,955 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 419 8,285 SH   SOLE   8,285 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 777 9,341 SH   SOLE   9,341 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 988 17,595 SH   SOLE   17,595 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 591 13,296 SH   SOLE   13,296 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 542 7,586 SH   SOLE   7,586 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 422 7,495 SH   SOLE   7,495 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 363 5,963 SH   SOLE   5,963 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,054 17,367 SH   SOLE   17,367 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 28,320 173,330 SH   SOLE   173,330 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 541 4,143 SH   SOLE   4,143 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 23,436 125,856 SH   SOLE   125,856 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 409 3,686 SH   SOLE   3,686 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,711 399,661 SH   SOLE   399,661 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,922 432,849 SH   SOLE   432,849 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 491 11,783 SH   SOLE   11,783 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 373 6,523 SH   OTR   0 0 6,523