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
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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
VANGUARD TAX MANAGED INTL FTSE DEV MKT ETF 921943858 213,412 5,221,719 SH   SOLE   0 0 5,221,719
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 181,102 697,782 SH   SOLE   0 0 697,782
ISHARES TR US TREAS BD ETF 46429B267 166,800 6,608,553 SH   SOLE   0 0 6,608,553
ISHARES TR CORE S&P500 ETF 464287200 111,811 392,927 SH   SOLE   0 0 392,927
VANGUARD INDEX FDS TOTAL STK MKT 922908769 87,040 601,476 SH   SOLE   0 0 601,476
ISHARES TR CORE S&P SCP ETF 464287804 51,620 669,081 SH   SOLE   0 0 669,081
VANGUARD STAR FD VG TL INTL STK F 921909768 50,021 963,789 SH   SOLE   0 0 963,789
SPDR S&P 500 ETF TR TR UNIT 78462F103 49,828 176,395 SH   SOLE   0 0 176,395
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 41,700 981,180 SH   SOLE   0 0 981,180
ISHARES TR CORE US AGGBD ET 464287226 36,986 339,100 SH   SOLE   0 0 339,100
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 15,500 190,934 SH   SOLE   0 0 190,934
ISHARES TR 3 7 YR TREAS BD 464288661 14,414 116,994 SH   SOLE   0 0 116,994
SPDR SER TR SPDR BLOOMBERG 78468R663 8,423 91,956 SH   SOLE   0 0 91,956
ISHARES TR NATIONAL MUN ETF 464288414 8,134 73,156 SH   SOLE   0 0 73,156
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,786 105,240 SH   SOLE   0 0 105,240
ISHARES TR CORE S&P TTL STK 464287150 6,053 93,984 SH   SOLE   0 0 93,984
SPDR SERIES TRUST S&P DIVID ETF 78464A763 5,627 56,600 SH   SOLE   0 0 56,600
ISHARES TR 1 3 YR TREAS BD 464287457 2,963 35,226 SH   SOLE   0 0 35,226
ISHARES TR IBOXX INV CP ETF 464287242 2,611 21,932 SH   SOLE   0 0 21,932
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 2,567 49,230 SH   SOLE   0 0 49,230
REAVES UTIL INCOME FD COM SH BEN INT 756158101 1,694 50,306 SH   SOLE   0 0 50,306
EATON VANCE NEW YORK MUN B COM 27827Y109 1,501 127,717 SH   SOLE   0 0 127,717
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,474 30,281 SH   SOLE   0 0 30,281
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,103 22,758 SH   SOLE   0 0 22,758
ISHARES TR S&P 500 GRWT ETF 464287309 1,028 5,962 SH   SOLE   0 0 5,962
ISHARES TR MSCI EAFE ETF 464287465 991 15,282 SH   SOLE   0 0 15,282
SPDR DOW JONES INDL AVRG E UT SER 1 78467X109 971 3,747 SH   SOLE   0 0 3,747
PHILIP MORRIS INTL INC COM 718172109 947 10,712 SH   SOLE   0 0 10,712
ALTRIA GROUP INC COM 02209S103 816 14,213 SH   SOLE   0 0 14,213
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 568 1,644 SH   SOLE   0 0 1,644
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 518 9,291 SH   SOLE   0 0 9,291
AT&T INC COM 00206R102 412 13,147 SH   SOLE   0 0 13,147
PROCTER AND GAMBLE CO COM 742718109 354 3,403 SH   SOLE   0 0 3,403
INTEL CORP COM 458140100 326 6,063 SH   SOLE   0 0 6,063
VANECK VECTORS ETF TR RUSSIA ETF 92189F403 309 15,000 SH   SOLE   0 0 15,000
EATON VANCE MUN BD FD COM 27827X101 304 24,529 SH   SOLE   0 0 24,529
BERKSHIRE HATHAWAY INC DEL CL A 084670108 301 1 SH   SOLE   0 0 1
VERIZON COMMUNICATIONS INC COM 92343V104 280 4,743 SH   SOLE   0 0 4,743
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 248 6,892 SH   SOLE   0 0 6,892
PFIZER INC COM 717081103 213 5,024 SH   SOLE   0 0 5,024
ENTERPRISE PRODS PARTNERS COM 293792107 212 7,275 SH   SOLE   0 0 7,275
ISHARES TR MSCI ACWI EX US 464288240 212 4,592 SH   SOLE   0 0 4,592
FNB CORP PA COM 302520101 109 10,330 SH   SOLE   0 0 10,330
NUVEEN PFD & INCM SECURTIE COM 67072C105 101 11,235 SH   SOLE   0 0 11,235