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 213 8,000 SH   SOLE   8,000 0 0
ABBOTT LABORATORIES CMN COM 002824100 4,247 100,429 SH   SOLE   100,429 0 0
ABBVIE INC COM 00287Y109 6,344 100,585 SH   SOLE   100,585 0 0
ADELPHIA COMMUNICATIONS CL ESC COM 006ESC917 0 33,333 SH   SOLE   33,333 0 0
BALLARD POWER SYSTEMS INC COM 058586108 44 20,000 SH   SOLE   20,000 0 0
BERKSHIRE HATHAWAY INC CL B NE COM 084670702 289 2,000 SH   SOLE   2,000 0 0
EATON CORP PLC CMN COM G29183103 527 8,016 SH   SOLE   8,016 0 0
FARMERS & MERCHANTS BANK COM 30810N106 300 12,233 SH   SOLE   12,233 0 0
FUELCELL ENERGY INC COM 35952H502 77 14,166 SH   SOLE   14,166 0 0
HYDROGENICS CORP NEW COM NEW COM 448883207 66 10,000 SH   SOLE   10,000 0 0
JOHNSON & JOHNSON CMN COM 478160104 591 5,001 SH   SOLE   5,001 0 0
LARAMIDE RES LTD COM 51669T101 4 20,000 SH   SOLE   20,000 0 0
PNC FINANCIAL SERVICES GROUP C COM 693475105 243 2,694 SH   SOLE   2,694 0 0
WELLS FARGO & CO (NEW) CMN COM 949746101 766 17,291 SH   SOLE   17,291 0 0
GLOBAL X MSCI NORWAY ETF 37950E747 354 31,757 SH   SOLE   31,757 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 6,574 30,218 SH   SOLE   30,218 0 0
ISHARES INC MSCI JAPAN ETF 464286848 251 20,000 SH   SOLE   20,000 0 0
ISHARES MSCI ACWI ETF ETF 464288257 104,830 1,773,773 SH   SOLE   1,773,773 0 0
ISHARES MSCI CANADA ETF ETF 464286509 1,184 46,100 SH   SOLE   46,100 0 0
ISHARES MSCI EAFE ETF ETF 464287465 8,769 148,307 SH   SOLE   148,307 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 1,932 51,581 SH   SOLE   51,581 0 0
ISHARES RUSSELL MID CAP GROWTH ETF 464287481 315 3,230 SH   SOLE   3,230 0 0
ISHARES TR RUSL 2000 GROW ETF 464287648 303 2,035 SH   SOLE   2,035 0 0
ISHARES TR RUSL 2000 VALU ETF 464287630 289 2,761 SH   SOLE   2,761 0 0
ISHARES TR RUSSELL MCP VL ETF 464287473 390 5,080 SH   SOLE   5,080 0 0
ISHARES TR RUSSELL MIDCAP ETF 464287499 233 1,335 SH   SOLE   1,335 0 0
ISHARES TR RUSSELL1000GRW ETF 464287614 2,389 22,931 SH   SOLE   22,931 0 0
ISHARES TR RUSSELL1000VAL ETF 464287598 2,594 24,558 SH   SOLE   24,558 0 0
ISHARES TR S&P SMLCAP 600 ETF 464287804 394 3,174 SH   SOLE   3,174 0 0
ISHARES TR S&P500 GRW ETF 464287309 421 3,459 SH   SOLE   3,459 0 0
SPDR MSCI CANADA STRATEGICFACT ETF 78463X376 2,312 43,675 SH   SOLE   43,675 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 88,467 409,001 SH   SOLE   409,001 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 277 3,306 SH   SOLE   3,306 0 0
VANGUARD FTSE DEVELOPED MARKET ETF 921943858 19,462 520,227 SH   SOLE   520,227 0 0
VANGUARD FTSE EMERGING MARKETS ETF 922042858 7,946 211,172 SH   SOLE   211,172 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 1,900 39,000 SH   SOLE   39,000 0 0
VANGUARD INDEX FDS STK MRK ETF ETF 922908769 24,445 219,576 SH   SOLE   219,576 0 0
VANGUARD S&P 500 ETF ETF 922908363 27,591 138,865 SH   SOLE   138,865 0 0
VANGUARD TOTAL INTERNATIONAL S ETF 921909768 115,726 2,451,286 SH   SOLE   2,451,286 0 0
WISDOMTREE TRUST JP TOTAL DIVI ETF 97717W851 4,355 101,500 SH   SOLE   101,500 0 0
ISHARES PREFERRED STOCK ETF ETF 464288687 198 5,000 SH   SOLE   5,000 0 0