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 1,085 9,912 SH   SOLE   9,912 0 0
ABBVIE INC COM 00287Y109 357 3,336 SH   SOLE   3,336 0 0
AKEBIA THERAPEUTICS INC COM 00972D105 59 21,162 SH   SOLE   21,162 0 0
ALPHABET INC CAP STK CL A 02079K305 2,866 1,635 SH   SOLE   1,635 0 0
AMAZON COM INC COM 023135106 834 256 SH   SOLE   256 0 0
AMERISOURCEBERGEN CORP COM 03073E105 2,300 23,531 SH   SOLE   23,531 0 0
AMGEN INC COM 031162100 5,133 22,327 SH   SOLE   22,327 0 0
APPLE INC COM 037833100 12,412 93,544 SH   SOLE   93,544 0 0
AUTODESK INC COM 052769106 206 676 SH   SOLE   676 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 705 10,874 SH   SOLE   10,874 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 241 174 SH   SOLE   174 0 0
CISCO SYS INC COM 17275R102 254 5,685 SH   SOLE   5,685 0 0
CITIZENS FINL GROUP INC COM 174610105 4,639 129,726 SH   SOLE   129,726 0 0
COSTCO WHSL CORP NEW COM 22160K105 256 680 SH   SOLE   680 0 0
CUSTOMERS BANCORP INC COM 23204G100 189 10,400 SH   SOLE   10,400 0 0
CVS HEALTH CORP COM 126650100 4,988 73,024 SH   SOLE   73,024 0 0
DISNEY WALT CO COM 254687106 351 1,936 SH   SOLE   1,936 0 0
EMERSON ELEC CO COM 291011104 2,025 25,197 SH   SOLE   25,197 0 0
FACEBOOK INC CL A 30303M102 459 1,680 SH   SOLE   1,680 0 0
GODADDY INC CL A 380237107 2,339 28,192 SH   SOLE   28,192 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 18,496 244,362 SH   SOLE   244,362 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 238 1,891 SH   SOLE   1,891 0 0
ISHARES TR CORE MSCI EAFE 46432F842 7,573 109,618 SH   SOLE   109,618 0 0
ISHARES TR CORE S&P SCP ETF 464287804 589 6,405 SH   SOLE   6,405 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,023 2,725 SH   SOLE   2,725 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 3,186 117,227 SH   SOLE   117,227 0 0
ISHARES TR MSCI USA MMENTM 46432F396 5,454 33,814 SH   SOLE   33,814 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 9,607 82,670 SH   SOLE   82,670 0 0
ISHARES TR MSCI USA VALUE 46432F388 649 7,470 SH   SOLE   7,470 0 0
JPMORGAN CHASE & CO COM 46625H100 5,104 40,171 SH   SOLE   40,171 0 0
LOWES COS INC COM 548661107 1,600 9,969 SH   SOLE   9,969 0 0
MICROSOFT CORP COM 594918104 12,000 53,950 SH   SOLE   53,950 0 0
MONDELEZ INTL INC CL A 609207105 2,585 44,205 SH   SOLE   44,205 0 0
NETFLIX INC COM 64110L106 811 1,500 SH   SOLE   1,500 0 0
NEW YORK MTG TR INC COM PAR $.02 649604501 79 21,289 SH   SOLE   21,289 0 0
NEXTERA ENERGY INC COM 65339F101 240 3,113 SH   SOLE   3,113 0 0
NMI HLDGS INC CL A 629209305 1,497 66,074 SH   SOLE   66,074 0 0
NVR INC COM 62944T105 3,248 796 SH   SOLE   796 0 0
OLD REP INTL CORP COM 680223104 371 18,837 SH   SOLE   18,837 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,586 19,860 SH   SOLE   19,860 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,786 93,122 SH   SOLE   93,122 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,631 17,929 SH   SOLE   17,929 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,321 107,380 SH   SOLE   107,380 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,173 115,551 SH   SOLE   115,551 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 889 2,378 SH   SOLE   2,378 0 0
TESLA INC COM 88160R101 812 1,150 SH   SOLE   1,150 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,850 13,831 SH   SOLE   13,831 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,374 6,645 SH   SOLE   6,645 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 773 5,475 SH   SOLE   5,475 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 4,384 74,616 SH   SOLE   74,616 0 0
VISA INC COM CL A 92826C839 202 925 SH   SOLE   925 0 0
VOYAGER THERAPEUTICS INC COM 92915B106 72 10,000 SH   SOLE   10,000 0 0
WASTE MGMT INC DEL COM 94106L109 274 2,325 SH   SOLE   2,325 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 255 663 SH   SOLE   663 0 0