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
ABBOTT LABS COM 002824100 822 10,412 SH   SOLE   10,412 0 0
ACELRX PHARMACEUTICALS INC COM 00444T100 47 40,000 SH   SOLE   40,000 0 0
AKEBIA THERAPEUTICS INC COM 00972D105 180 23,766 SH   SOLE   23,766 0 0
ALPHABET INC CAP STK CL A 02079K305 1,965 1,691 SH   SOLE   1,691 0 0
AMAZON COM INC COM 023135106 792 406 SH   SOLE   406 0 0
AMERISOURCEBERGEN CORP COM 03073E105 2,119 23,946 SH   SOLE   23,946 0 0
AMGEN INC COM 031162100 4,644 22,905 SH   SOLE   22,905 0 0
APPLE INC COM 037833100 6,378 25,081 SH   SOLE   25,081 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 418 9,172 SH   SOLE   9,172 0 0
CISCO SYS INC COM 17275R102 260 6,610 SH   SOLE   6,610 0 0
CITIZENS FINANCIAL GROUP INC COM 174610105 2,293 121,921 SH   SOLE   121,921 0 0
CUSTOMERS BANCORP INC COM 23204G100 186 16,975 SH   SOLE   16,975 0 0
CVS HEALTH CORP COM 126650100 4,338 73,125 SH   SOLE   73,125 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 118,159 1,461 SH   SOLE   1,461 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 10,840 207,711 SH   SOLE   207,711 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,192 10,750 SH   SOLE   10,750 0 0
ISHARES TR CORE MSCI EAFE 46432F842 760 15,240 SH   SOLE   15,240 0 0
ISHARES TR CORE S&P SCP ETF 464287804 360 6,419 SH   SOLE   6,419 0 0
ISHARES TR CORE S&P500 ETF 464287200 754 2,919 SH   SOLE   2,919 0 0
ISHARES TR EDGE MSCI USA VL 46432F388 427 6,774 SH   SOLE   6,774 0 0
ISHARES TR MSCI EAFE ETF 464287465 208 3,900 SH   SOLE   3,900 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 1,839 90,773 SH   SOLE   90,773 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 5,022 47,163 SH   SOLE   47,163 0 0
ISHARES TR USA QUALITY FCTR 46432F339 7,251 89,479 SH   SOLE   89,479 0 0
JPMORGAN CHASE & CO COM 46625H100 3,685 40,936 SH   SOLE   40,936 0 0
LOWES COS INC COM 548661107 2,223 25,831 SH   SOLE   25,831 0 0
MEDTRONIC PLC SHS G5960L103 1,364 15,130 SH   SOLE   15,130 0 0
MICROSOFT CORP COM 594918104 8,831 55,992 SH   SOLE   55,992 0 0
MONDELEZ INTL INC CL A 609207105 3,342 66,729 SH   SOLE   66,729 0 0
NETFLIX INC COM 64110L106 563 1,500 SH   SOLE   1,500 0 0
NEW YORK MTG TR INC COM PAR $.02 649604501 33 21,289 SH   SOLE   21,289 0 0
ORACLE CORP COM 68389X105 1,976 40,879 SH   SOLE   40,879 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,432 24,832 SH   SOLE   24,832 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,694 90,736 SH   SOLE   90,736 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,199 19,849 SH   SOLE   19,849 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,550 107,929 SH   SOLE   107,929 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,806 100,962 SH   SOLE   100,962 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 541 2,098 SH   SOLE   2,098 0 0
TEXTRON INC COM 883203101 958 35,937 SH   SOLE   35,937 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,298 13,225 SH   SOLE   13,225 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 808 6,139 SH   SOLE   6,139 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 581 5,614 SH   SOLE   5,614 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,991 74,286 SH   SOLE   74,286 0 0
ZEBRA TECHNOLOGIES CORP CL A 989207105 2,102 11,448 SH   SOLE   11,448 0 0