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
AGILENT TECHNOLOGIES INC COM 00846U101 464 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 341 170 SH   SOLE   0 0 170
AMERICAN FIN TR INC COM CLASS A 02607T109 232 15,197 SH   SOLE   0 0 15,197
APPLE INC COM 037833100 575 2,545 SH   SOLE   0 0 2,545
ARCHER DANIELS MIDLAND CO COM 039483102 296 5,883 SH   SOLE   0 0 5,883
AT&T INC COM 00206R102 1,655 49,285 SH   SOLE   0 0 49,285
BLUEROCK RESIDENTIAL GRW REI COM CL A 09627J102 98 10,000 SH   SOLE   0 0 10,000
CISCO SYS INC COM 17275R102 200 4,116 SH   SOLE   0 0 4,116
COSTCO WHSL CORP NEW COM 22160K105 439 1,869 SH   SOLE   0 0 1,869
EDISON INTL COM 281020107 213 3,146 SH   SOLE   0 0 3,146
ETFS TR BBG COMMD K 1 26923J503 46,403 1,939,913 SH   SOLE   0 0 1,939,913
FACEBOOK INC CL A 30303M102 261 1,584 SH   SOLE   0 0 1,584
FIDELITY MSCI FINLS IDX 316092501 22,706 563,010 SH   SOLE   0 0 563,010
FIRST COMWLTH FINL CORP PA COM 319829107 952 58,981 SH   SOLE   0 0 58,981
HOME DEPOT INC COM 437076102 255 1,230 SH   SOLE   0 0 1,230
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 508 20,406 SH   SOLE   0 0 20,406
ISHARES INC CORE MSCI EMKT 46434G103 5,103 98,554 SH   SOLE   0 0 98,554
ISHARES TR CORE S&P500 ETF 464287200 26,851 91,726 SH   SOLE   0 0 91,726
ISHARES TR CORE US AGGBD ET 464287226 51,842 491,298 SH   SOLE   0 0 491,298
ISHARES TR MSCI EAFE ETF 464287465 2,471 36,344 SH   SOLE   0 0 36,344
ISHARES TR CORE S&P MCP ETF 464287507 62,135 308,683 SH   SOLE   0 0 308,683
ISHARES TR RUSSELL 2000 ETF 464287655 2,197 13,033 SH   SOLE   0 0 13,033
ISHARES TR CORE S&P SCP ETF 464287804 39,517 452,968 SH   SOLE   0 0 452,968
ISHARES TR IBOXX HI YD ETF 464288513 827 9,570 SH   SOLE   0 0 9,570
ISHARES TR SH TR CRPORT ETF 464288646 393 7,584 SH   SOLE   0 0 7,584
ISHARES TR S&P US PFD STK 464288687 228 6,151 SH   SOLE   0 0 6,151
ISHARES TR FLTG RATE NT ETF 46429B655 122,251 2,396,136 SH   SOLE   0 0 2,396,136
ISHARES TR CORE MSCI EAFE 46432F842 15,779 246,235 SH   SOLE   0 0 246,235
KEYSIGHT TECHNOLOGIES INC COM 49338L103 218 3,286 SH   SOLE   0 0 3,286
MCDONALDS CORP COM 580135101 1,523 9,103 SH   SOLE   0 0 9,103
NETAPP INC COM 64110D104 472 5,500 SH   SOLE   0 0 5,500
NUVEEN CALIF MUN VALUE FD COM 67062C107 143 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 236 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 2,023 20,103 SH   SOLE   0 0 20,103
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 510 5,015 SH   SOLE   0 0 5,015
PRAXAIR INC COM 74005P104 204 1,267 SH   SOLE   0 0 1,267
PROCTER AND GAMBLE CO COM 742718109 267 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 500 6,947 SH   SOLE   0 0 6,947
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,693 24,334 SH   SOLE   0 0 24,334
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,318 22,787 SH   SOLE   0 0 22,787
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,049 13,770 SH   SOLE   0 0 13,770
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,638 12,515 SH   SOLE   0 0 12,515
SPDR SER TR BLOMBERG BRC INV 78468R200 4,156 134,988 SH   SOLE   0 0 134,988
SPDR SER TR BLOOMBERG SRT TR 78468R408 23,996 869,738 SH   SOLE   0 0 869,738
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 38,441 1,154,398 SH   SOLE   0 0 1,154,398
TORTOISE PIPELINE & ENERGY F COM 89148H108 277 16,000 SH   SOLE   0 0 16,000
UNITED PARCEL SERVICE INC CL B 911312106 1,210 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 1,365 53,907 SH   SOLE   0 0 53,907
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 25,840 1,569,863 SH   SOLE   0 0 1,569,863
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,299 29,209 SH   SOLE   0 0 29,209
VANGUARD GROUP DIV APP ETF 921908844 696 6,290 SH   SOLE   0 0 6,290
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 77,153 288,908 SH   SOLE   0 0 288,908
VANGUARD INDEX FDS MID CAP ETF 922908629 1,132 6,895 SH   SOLE   0 0 6,895
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,989 14,901 SH   SOLE   0 0 14,901
VANGUARD INDEX FDS SMALL CP ETF 922908751 370 2,277 SH   SOLE   0 0 2,277
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,944 19,668 SH   SOLE   0 0 19,668
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,341 83,398 SH   SOLE   0 0 83,398
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,131 564,174 SH   SOLE   0 0 564,174
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 149,384 3,452,383 SH   SOLE   0 0 3,452,383
VERIZON COMMUNICATIONS INC COM 92343V104 422 7,909 SH   SOLE   0 0 7,909
WISDOMTREE TR EM EX ST-OWNED 97717X578 14,137 500,421 SH   SOLE   0 0 500,421