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 211 8,000 SH   SOLE   8,000 0 0
WELLS FARGO AND CO 0 SERIES DEP PFD 949746887 0 1 SH   SOLE   1 0 0
ABBOTT LABORATORIES CMN COM 002824100 4,460 100,429 SH   SOLE   100,429 0 0
ABBVIE INC COM 00287Y109 6,554 100,585 SH   SOLE   100,585 0 0
ADELPHIA COMMUNICATIONS CL ESC COM 006ESC917 0 33,333 SH   SOLE   33,333 0 0
ALLIED IRISH BANKS COM ACI0JP827 2 283 SH   SOLE   283 0 0
ALLIED IRISH BANKS PLC COM BYSZ9G904 0 4 SH   SOLE   4 0 0
ALPHABET INC CAP STK CL C COM 02079K107 41 50 SH   SOLE   50 0 0
AMDOCS LTD ORD COM G02602103 16 268 SH   SOLE   268 0 0
ANC RENTAL CORP COM COM 001813104 0 73 SH   SOLE   73 0 0
APPLE, INC. CMN COM 037833100 156 1,082 SH   SOLE   1,082 0 0
BERKSHIRE HATHAWAY INC CL B NE COM 084670702 333 2,000 SH   SOLE   2,000 0 0
CATERPILLAR INC (DELAWARE) CMN COM 149123101 46 500 SH   SOLE   500 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108 6 18 SH   SOLE   18 0 0
CHIPOTLE MEXICAN GRILL, INC. C COM 169656105 22 50 SH   SOLE   50 0 0
COCA-COLA COMPANY (THE) CMN COM 191216100 56 1,327 SH   SOLE   1,327 0 0
CUSTOMERS BANCORP INC COM 23204G100 177 5,614 SH   SOLE   5,614 0 0
CVS HEALTH CORPORATION CMN COM 126650100 13 165 SH   SOLE   165 0 0
DOMINION RES VA NEW COM COM 25746U109 96 1,242 SH   SOLE   1,242 0 0
EATON CORP PLC CMN COM G29183103 594 8,016 SH   SOLE   8,016 0 0
EXXON MOBIL CORPORATION CMN COM 30231G102 13 155 SH   SOLE   155 0 0
FNB CORP COM COM 302520101 26 1,731 SH   SOLE   1,731 0 0
GILEAD SCIENCES CMN COM 375558103 14 200 SH   SOLE   200 0 0
HALYARD HEALTH INC COM 40650V100 1 25 SH   SOLE   25 0 0
IDEXX LABORATORIES INC COM COM 45168D104 31 200 SH   SOLE   200 0 0
INTEL CORPORATION CMN COM 458140100 93 2,570 SH   SOLE   2,570 0 0
JOHNSON & JOHNSON CMN COM 478160104 648 5,201 SH   SOLE   5,201 0 0
KIMBERLY CLARK CORP CMN COM 494368103 26 200 SH   SOLE   200 0 0
LARAMIDE RES LTD COM 51669T101 9 20,000 SH   SOLE   20,000 0 0
NESTLE SA SPONSORED ADR (REP 1 COM 641069406 8 100 SH   SOLE   100 0 0
NOVARTIS AG-ADR SPONSORED ADR COM 66987V109 30 400 SH   SOLE   400 0 0
PHOENIX WASTE SVCS INC COM COM 71916P108 0 2,667 SH   SOLE   2,667 0 0
QUALCOMM INC CMN COM 747525103 17 300 SH   SOLE   300 0 0
S AND T BANCORP INC COM COM 783859101 1,326 38,336 SH   SOLE   38,336 0 0
SCHLUMBERGER LTD CMN COM 806857108 16 200 SH   SOLE   200 0 0
SKYWORKS SOLUTIONS INC CMN COM 83088M102 49 500 SH   SOLE   500 0 0
U.S. BANCORP CMN COM 902973304 15 300 SH   SOLE   300 0 0
UNION PACIFIC CORP COM 907818108 21 200 SH   SOLE   200 0 0
UNITED TECHNOLOGIES CORP COM 913017109 22 200 SH   SOLE   200 0 0
WALT DISNEY COMPANY (THE) CMN COM 254687106 34 300 SH   SOLE   300 0 0
WSFS FINANCIAL CORP COM COM 929328102 128 2,779 SH   SOLE   2,779 0 0
MEDIA GEN INC CVR COM 584CVR997 0 50 SH   SOLE   50 0 0
GLOBAL X MSCI NORWAY ETF 37950E747 390 34,786 SH   SOLE   34,786 0 0
ISHARES CORE HIGH DIVIDND ETF ETF 46429B663 25 304 SH   SOLE   304 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 7,096 29,906 SH   SOLE   29,906 0 0
ISHARES INC MSCI ITL ETF NEW ETF 46434G830 12 469 SH   SOLE   469 0 0
ISHARES INC MSCI JPN ETF NEW ETF 46434G822 257 5,000 SH   SOLE   5,000 0 0
ISHARES MIN VOL EMRG MKT ETF 464286533 61 1,137 SH   SOLE   1,137 0 0
ISHARES MSCI ACWI ETF ETF 464288257 113,338 1,791,624 SH   SOLE   1,791,624 0 0
ISHARES MSCI CANADA ETF ETF 464286509 1,239 46,100 SH   SOLE   46,100 0 0
ISHARES MSCI EAFE ETF ETF 464287465 8,857 142,197 SH   SOLE   142,197 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 2,007 50,951 SH   SOLE   50,951 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 3 19 SH   SOLE   19 0 0
ISHARES RUSSELL MID CAP GROWTH ETF 464287481 40 388 SH   SOLE   388 0 0
ISHARES TR MIN VOL EAFE ETF ETF 46429B689 48 734 SH   SOLE   734 0 0
ISHARES TR RUSL 2000 GROW ETF 464287648 329 2,035 SH   SOLE   2,035 0 0
ISHARES TR RUSL 2000 VALU ETF 464287630 326 2,761 SH   SOLE   2,761 0 0
ISHARES TR RUSSELL MCP VL ETF 464287473 253 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL MIDCAP ETF 464287499 250 1,335 SH   SOLE   1,335 0 0
ISHARES TR RUSSELL1000GRW ETF 464287614 2,316 20,349 SH   SOLE   20,349 0 0
ISHARES TR RUSSELL1000VAL ETF 464287598 2,820 24,533 SH   SOLE   24,533 0 0
ISHARES TR S&P SMLCAP 600 ETF 464287804 439 6,348 SH   SOLE   6,348 0 0
ISHARES TR S&P500 GRW ETF 464287309 455 3,459 SH   SOLE   3,459 0 0
ISHARES US PREFERRED STOCK ETF ETF 464288687 193 5,000 SH   SOLE   5,000 0 0
POWERSHARES DYNAMIC LARGE CAP ETF 73935X708 31 876 SH   SOLE   876 0 0
POWERSHARES ETF TR II EX US SM ETF 73936T771 2 82 SH   SOLE   82 0 0
POWERSHARES ETF TRUST FTSE RAF ETF 73935X583 48 467 SH   SOLE   467 0 0
SCHWAB STRATEGIC TR US DIVIDEN ETF 808524797 19 434 SH   SOLE   434 0 0
SPDR GOLD TRUST ETF ETF 78463V107 18 150 SH   SOLE   150 0 0
SPDR MSCI CANADA STRATEGICFACT ETF 78463X376 917 16,675 SH   SOLE   16,675 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 93,129 395,049 SH   SOLE   395,049 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 339 3,778 SH   SOLE   3,378 0 0
VANGUARD FTSE DEVELOPED MARKET ETF 921943858 20,445 520,227 SH   SOLE   520,227 0 0
VANGUARD FTSE EMERGING MARKETS ETF 922042858 7,628 192,048 SH   SOLE   192,048 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 2,011 39,000 SH   SOLE   39,000 0 0
VANGUARD INDEX FDS STK MRK ETF ETF 922908769 41,248 339,996 SH   SOLE   33,996 0 0
VANGUARD INTL EQTY IDX ALLWRLD ETF 922042775 111 2,325 SH   SOLE   2,325 0 0
VANGUARD REIT ETF ETF 922908553 100 1,216 SH   SOLE   1,216 0 0
VANGUARD S&P 500 ETF ETF 922908363 30,033 138,816 SH   SOLE   138,816 0 0
VANGUARD TOTAL INTERNATIONAL S ETF 921909768 136,849 2,754,619 SH   SOLE   2,754,619 0 0
VANGUARD TOTAL WORLD STOCK ETF 922042742 42 641 SH   SOLE   641 0 0
WISDOMTREE GLOBAL EX US REAL E ETF 97717W331 14 507 SH   SOLE   507 0 0
WISDOMTREE TR EMG MKTS SMCAP ETF 97717W281 0 10 SH   SOLE   10 0 0
TORTOISE MLP FUND INC ETF 89148B101 33 1,600 SH   SOLE   1,600 0 0