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 202 1,229 SH   OTR   0 0 1,229
APPLE INC COM 037833100 470 2,096 SH   OTR   0 0 2,096
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 250 1,203 SH   OTR   0 0 1,203
CISCO SYS INC COM 17275R102 207 4,191 SH   OTR   0 0 4,191
GABELLI EQUITY TR INC COM 362397101 77 12,815 SH   OTR   0 0 12,815
ISHARES TR CORE INTL AGGR 46435G672 292 5,232 SH   SOLE   5,232 0 0
ISHARES TR CORE S&P MCP ETF 464287507 228 1,180 SH   OTR   0 0 1,180
ISHARES TR CORE S&P500 ETF 464287200 588 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 319 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 222 2,521 SH   SOLE   2,521 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 469 2,936 SH   SOLE   2,936 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 361 2,817 SH   SOLE   2,817 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 228 1,911 SH   OTR   0 0 1,911
JOHNSON & JOHNSON COM 478160104 262 2,022 SH   OTR   0 0 2,022
JPMORGAN CHASE & CO COM 46625H100 408 3,467 SH   OTR   0 0 3,467
MCDONALDS CORP COM 580135101 582 2,712 SH   OTR   0 0 2,712
MICROSOFT CORP COM 594918104 288 2,070 SH   OTR   0 0 2,070
PROCTER & GAMBLE CO COM 742718109 414 3,328 SH   OTR   0 0 3,328
QUALCOMM INC COM 747525103 229 3,000 SH Call OTR   0 0 3,000
QUALCOMM INC COM 747525103 292 3,823 SH   OTR   0 0 3,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 589 23,449 SH   SOLE   23,449 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,301 40,829 SH   SOLE   40,829 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 422 8,343 SH   SOLE   8,343 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 798 9,493 SH   SOLE   9,493 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,023 18,032 SH   SOLE   18,032 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 616 13,067 SH   SOLE   13,067 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 549 7,874 SH   SOLE   7,874 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 422 7,440 SH   SOLE   7,440 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 368 6,173 SH   SOLE   6,173 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,063 17,355 SH   SOLE   17,355 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 29,161 175,370 SH   SOLE   175,370 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 218 2,341 SH   SOLE   2,341 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 804 6,243 SH   SOLE   6,243 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 22,757 125,012 SH   SOLE   125,012 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 504 4,519 SH   SOLE   4,519 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,468 396,892 SH   SOLE   396,892 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,859 430,092 SH   SOLE   430,092 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 809 19,683 SH   SOLE   19,683 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 394 6,523 SH   OTR   0 0 6,523