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
ISHARES TR CORE S&P500 ETF 464287200 531 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 304 2,500 SH   SOLE   2,500 0 0
ISHARES TR CORE S&P MCP ETF 464287507 225 1,180 SH   OTR   0 0 1,180
ISHARES TR RUS 1000 VAL ETF 464287598 472 3,786 SH   SOLE   3,786 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 521 3,849 SH   SOLE   3,849 0 0
ISHARES TR MICRO-CAP ETF 464288869 287 2,968 SH   SOLE   2,968 0 0
JOHNSON & JOHNSON COM 478160104 209 1,490 SH   OTR   0 0 1,490
JPMORGAN CHASE & CO COM 46625H100 346 3,212 SH   OTR   0 0 3,212
MCDONALDS CORP COM 580135101 462 2,668 SH   OTR   0 0 2,668
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 700 42,242 SH   SOLE   42,242 0 0
PROCTER AND GAMBLE CO COM 742718109 670 7,272 SH   OTR   0 0 7,272
PROCTER AND GAMBLE CO COM 742718109 184 2,000 SH Call OTR   0 0 2,000
QUALCOMM INC COM 747525103 237 3,700 SH Call OTR   0 0 3,700
QUALCOMM INC COM 747525103 267 4,143 SH   OTR   0 0 4,143
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 650 9,154 SH   SOLE   9,154 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 693 12,628 SH   SOLE   12,628 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 236 3,355 SH   SOLE   3,355 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 310 11,157 SH   SOLE   11,157 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,127 33,080 SH   SOLE   33,080 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 510 12,255 SH   SOLE   12,255 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 390 7,788 SH   SOLE   7,788 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 398 7,206 SH   SOLE   7,206 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 333 1,452 SH   SOLE   1,452 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 539 4,259 SH   SOLE   4,259 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 25,929 160,172 SH   SOLE   160,172 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 384 2,877 SH   SOLE   2,877 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 23,314 164,993 SH   SOLE   164,993 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,683 403,746 SH   SOLE   403,746 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,919 427,784 SH   SOLE   427,784 0 0