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
CUSTOMERS BANCORP 6.375% MATUR PFD 23204G308 209 8,000 SH   SOLE   8,000 0 0
ABBOTT LABORATORIES CMN COM 002824100 3,874 100,585 SH   SOLE   100,585 0 0
ABBVIE INC COM 00287Y109 5,170 100,585 SH   SOLE   100,585 0 0
ADELPHIA COMMUNICATIONS CL ESC COM 006ESC917 0 50,000 SH   SOLE   50,000 0 0
ADELPHIA RECOVERY TR CVV ACC-7 COM 00685R870 1 50,000 SH   SOLE   50,000 0 0
ALLIED IRISH BKS PLC COM 001978006 24 70,670 SH   SOLE   70,670 0 0
BERKSHIRE HATHAWAY INC CL B NE COM 084670702 250 2,000 SH   SOLE   2,000 0 0
JOHNSON & JOHNSON CMN COM 478160104 682 6,944 SH   SOLE   6,944 0 0
LARAMIDE RES LTD COM 51669T101 10 20,000 SH   SOLE   20,000 0 0
PINETREE CAPITAL LTD COM 723330106 23 52,000 SH   SOLE   52,000 0 0
GLOBAL S FTSE NORWAY 30 ETF 37950E747 381 22,808 SH   SOLE   22,808 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 5,782 30,733 SH   SOLE   30,733 0 0
ISHARES HIGH DIVIDND ETF ETF 46429B663 736 10,296 SH   SOLE   10,296 0 0
ISHARES INC MSCI S KOREA ETF 464286772 677 11,009 SH   SOLE   11,009 0 0
ISHARES MSCI ACWI ETF ETF 464288257 86,166 1,482,041 SH   SOLE   1,482,041 0 0
ISHARES MSCI CANADA ETF ETF 464286509 4,789 162,066 SH   SOLE   162,066 0 0
ISHARES MSCI EAFE ETF ETF 464287465 13,198 196,403 SH   SOLE   196,403 0 0
ISHARES TR S&P500 GRW ETF 464287309 501 5,017 SH   SOLE   5,017 0 0
SCHWAB STRATEGIC TR US DIVIDEN ETF 808524797 430 11,675 SH   SOLE   11,675 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 62,929 336,502 SH   SOLE   336,502 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 891 11,840 SH   SOLE   11,840 0 0
VANGUARD FTSE DEVELOPED MARKET ETF 921943858 15,388 372,862 SH   SOLE   372,862 0 0
VANGUARD FTSE EMERGING MARKETS ETF 922042858 13,524 333,266 SH   SOLE   333,266 0 0
VANGUARD INDEX FDS STK MRK ETF ETF 922908769 722 7,410 SH   SOLE   7,410 0 0
VANGUARD S&P 500 ETF ETF 922908363 439 2,564 SH   SOLE   2,564 0 0
VANGUARD TOTAL INTERNATIONAL S ETF 921909768 46,717 894,971 SH   SOLE   894,971 0 0
WISDOMTREE TRUST JP TOTAL DIVI ETF 97717W851 742 15,682 SH   SOLE   15,682 0 0