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
Estimated average burden
hours per response: 23.8
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 356 1,579 SH   OTR   0 0 1,579
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 625 34,763 SH   SOLE   34,763 0 0
ISHARES TR CORE S&P MCP ETF 464287507 238 1,180 SH   OTR   0 0 1,180
ISHARES TR CORE S&P500 ETF 464287200 576 1,969 SH   OTR   65 0 1,904
ISHARES TR IBOXX INV CP ETF 464287242 287 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 289 2,719 SH   SOLE   2,719 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 489 3,135 SH   SOLE   3,135 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 380 2,998 SH   SOLE   2,998 0 0
JOHNSON & JOHNSON COM 478160104 208 1,503 SH   OTR   0 0 1,503
JPMORGAN CHASE & CO COM 46625H100 362 3,212 SH   OTR   0 0 3,212
MCDONALDS CORP COM 580135101 453 2,709 SH   OTR   0 0 2,709
MICROSOFT CORP COM 594918104 224 1,956 SH   OTR   0 0 1,956
PROCTER AND GAMBLE CO COM 742718109 608 7,299 SH   OTR   0 0 7,299
QUALCOMM INC COM 747525103 252 3,500 SH Call OTR   0 0 3,500
QUALCOMM INC COM 747525103 298 4,143 SH   OTR   0 0 4,143
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 378 14,699 SH   SOLE   14,699 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,118 33,348 SH   SOLE   33,348 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 392 7,906 SH   SOLE   7,906 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 756 9,221 SH   SOLE   9,221 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 783 13,969 SH   SOLE   13,969 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 535 12,823 SH   SOLE   12,823 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 333 4,371 SH   SOLE   4,371 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 413 7,650 SH   SOLE   7,650 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 412 6,103 SH   SOLE   6,103 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 764 11,194 SH   SOLE   11,194 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 27,272 169,347 SH   SOLE   169,347 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 379 2,718 SH   SOLE   2,718 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 27,815 148,492 SH   SOLE   148,492 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 19,521 403,580 SH   SOLE   403,580 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,981 434,756 SH   SOLE   434,756 0 0