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
3M COMPANY Com 88579Y101 557 2,926 SH   SOLE   0 0 2,926
ABBOTT LABORATORIES Com 002824100 205 2,834 SH   SOLE   0 0 2,834
ALPHABET INC CAP STK CL A Cap Stk Cl A 02079K305 2,327 2,227 SH   SOLE   0 0 2,227
ALPHABET INC CAP STK CL C Cap Stk Cl C 02079K107 2,470 2,385 SH   SOLE   0 0 2,385
ALTRIA GROUP INC Com 02209S103 541 10,962 SH   SOLE   0 0 10,962
AMAZON.COM INC Com 023135106 3,608 2,402 SH   SOLE   0 0 2,402
AMERICAN ELEC PWR CO Com 025537101 210 2,634 SH   SOLE   0 0 2,634
AMERICAN EXPRESS CO Com 025816109 219 2,298 SH   SOLE   0 0 2,298
AMERICAN TOWER CORPORATION Com 03027X100 263 1,663 SH   SOLE   0 0 1,663
AMGEN INC Com 031162100 1,156 5,940 SH   SOLE   0 0 5,940
APPLE INC Com 037833100 7,159 45,384 SH   SOLE   0 0 45,384
ARK ETF TR INNOVATION ETF INNOVATION ETF 00214Q104 561 13,875 SH   SOLE   0 0 13,875
AVANGRID INC COM Com 05351W103 468 9,340 SH   SOLE   0 0 9,340
BANK OF AMERICA CORP Com 060505104 1,240 50,326 SH   SOLE   0 0 50,326
BANK OF AMERICA CORPORATION 7.25000 01/30/2013 PFD 7.25 CNV PFD L 060505682 726 580 SH   SOLE   0 0 580
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B New 084670702 3,305 16,188 SH   SOLE   0 0 16,188
BLACKROCK INC Com 09247X101 336 856 SH   SOLE   0 0 856
BOEING CO Com 097023105 2,549 7,902 SH   SOLE   0 0 7,902
BORGWARNER INC Com 099724106 278 8,000 SH   SOLE   0 0 8,000
BRISTOL MYERS SQUIBB Com 110122108 299 5,747 SH   SOLE   0 0 5,747
CELGENE CORP Com 151020104 359 5,600 SH   SOLE   0 0 5,600
CHEVRON CORP NEW COM Com 166764100 383 3,023 SH   SOLE   0 0 3,023
CISCO SYS INC COM Com 17275R102 700 15,247 SH   SOLE   0 0 15,247
CITIGROUP INC COM NEW Com New 172967424 252 4,835 SH   SOLE   0 0 4,835
CME GROUP INC COM CL A Com CL A 12572Q105 536 2,850 SH   SOLE   0 0 2,850
COSTCO WHOLESALE CORP Com 22160K105 316 1,550 SH   SOLE   0 0 1,550
CUMMINS INC Com 231021106 251 1,870 SH   SOLE   0 0 1,870
DISNEY WALT CO Com Disney 254687106 921 8,399 SH   SOLE   0 0 8,399
DOWDUPONT INC COM Com 26078J100 244 4,561 SH   SOLE   0 0 4,561
EOG RESOURCES INC Com 26875P101 254 2,907 SH   SOLE   0 0 2,907
EXXON MOBIL CORP Com 30231G102 1,137 16,678 SH   SOLE   0 0 16,678
FACEBOOK INC-CLASS A CL A 30303M102 1,250 9,537 SH   SOLE   0 0 9,537
GENERAL DYNAMICS CRP Com 369550108 2,107 13,403 SH   SOLE   0 0 13,403
GOLDMAN SACHS GROUP INC Com 38141G104 1,687 10,101 SH   SOLE   0 0 10,101
HOLOGIC INC Com 436440101 226 5,500 SH   SOLE   0 0 5,500
HOME DEPOT INC COM Com 437076102 1,058 6,157 SH   SOLE   0 0 6,157
HONEYWELL INTERNATIONAL INC COM USD1.00 Com 438516106 519 3,625 SH   SOLE   0 0 3,625
INTEL CORP Com 458140100 493 10,503 SH   SOLE   0 0 10,503
INTL BUSINESS MACH Com 459200101 407 3,583 SH   SOLE   0 0 3,583
INVESCO EXCHANGE TRADED FD TR DWA MOMENTUM DWA Momentum 46137V837 245 5,045 SH   SOLE   0 0 5,045
INVESCO EXCHANGE TRADED FD TR FTSE RAFI 1000 FTSE RAFI 1000 46137V613 2,247 2,216 SH   SOLE   0 0 2,216
INVESCO EXCHANGE TRADED FD TR FTSE RAFI 1500 FTSE RAFI 1500 46137V597 1,591 13,999 SH   SOLE   0 0 13,999
INVESCO EXCHANGE TRADED FD TR S&P500 EQL WGT S&P500 EQL WGT 46137V357 679 7,425 SH   SOLE   0 0 7,425
INVESCO EXCHNG TRADED FD TR II INTL BUYBACK INTL Buyback 46138E644 446 15,495 SH   SOLE   0 0 15,495
INVESCO EXCHNG TRADED FD TR II PFD ETF PFD ETF 46138E511 172 12,764 SH   SOLE   0 0 12,764
INVESCO QQQ TR UNIT SER 1 Unit Ser 1 46090E103 817 5,294 SH   SOLE   0 0 5,294
IQVIA HLDGS INC COM Com 46266C105 223 1,920 SH   SOLE   0 0 1,920
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 432 1,717 SH   SOLE   0 0 1,717
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 382 2,301 SH   SOLE   0 0 2,301
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 761 10,980 SH   SOLE   0 0 10,980
ISHARES EDGE MSCI MIN VOL USA ETF Min Vol USA ETF 46429B697 328 6,255 SH   SOLE   0 0 6,255
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL #B0SF3S5 ISHARES 464285105 393 32,000 SH   SOLE   0 0 32,000
ISHARES US TECHNOLOGY ETF US TECH ETF 464287721 234 1,464 SH   SOLE   0 0 1,464
JOHNSON & JOHNSON Com 478160104 1,578 12,231 SH   SOLE   0 0 12,231
JPMORGAN CHASE & CO Com 46625H100 2,252 23,064 SH   SOLE   0 0 23,064
KIMBERLY CLARK CORP Com 494368103 483 4,240 SH   SOLE   0 0 4,240
LILLY ELI &CO COM NPV Com 532457108 227 1,960 SH   SOLE   0 0 1,960
LOCKHEED MARTIN CORP Com 539830109 411 1,570 SH   SOLE   0 0 1,570
LOWES COS INC COM Com 548661107 790 8,650 SH   SOLE   0 0 8,650
M & T BANK CORP Com 55261F104 251 1,751 SH   SOLE   0 0 1,751
MARKEL CORP HLDG CO Com 570535104 704 678 SH   SOLE   0 0 678
MASTERCARD INCORPORATED CL A CL A 57636Q104 499 2,645 SH   SOLE   0 0 2,645
MCDONALDS CORP Com 580135101 264 1,484 SH   SOLE   0 0 1,484
MERCK & CO INC NEW COM Com 58933Y105 445 5,826 SH   SOLE   0 0 5,826
MICROSOFT CORP Com 594918104 1,101 10,840 SH   SOLE   0 0 10,840
MONDELEZ INTL INC COM Com 609207105 241 6,023 SH   SOLE   0 0 6,023
MORGAN STANLEY Com New 617446448 336 8,968 SH   SOLE   0 0 8,968
NEXTERA ENERGY INC COM Com 65339F101 387 2,229 SH   SOLE   0 0 2,229
NIKE INC CLASS B CL B 654106103 439 5,924 SH   SOLE   0 0 5,924
NORTHROP GRUMMAN CORP HOLDING CO Com 666807102 642 1,395 SH   SOLE   0 0 1,395
OMEGA FLEX INC COM USD0.01 Com 682095104 0 406,145 SH   SOLE   0 0 406,145
PEPSICO INC Com 713448108 399 3,612 SH   SOLE   0 0 3,612
PFIZER INC Com 717081103 2,366 54,214 SH   SOLE   0 0 54,214
PHILIP MORRIS INTL INC COM Com 718172109 346 5,181 SH   SOLE   0 0 5,181
PNC FINL SVCS GROUP Com 693475105 479 4,094 SH   SOLE   0 0 4,094
PROCTER AND GAMBLE CO COM Com 742718109 1,095 11,917 SH   SOLE   0 0 11,917
PROSHARES TRUST S&P 500 DIVID ARISTOCRATS ETF S&P 500 DV ARIST 74348A467 395 6,521 SH   SOLE   0 0 6,521
SALESFORCE COM INC Com 79466L302 362 2,640 SH   SOLE   0 0 2,640
SCHWAB STRATEGIC TR US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 347 7,380 SH   SOLE   0 0 7,380
SCHWAB STRATEGIC TR US REIT ETF US REIT ETF 808524847 351 9,111 SH   SOLE   0 0 9,111
SCHWAB STRATEGIC TR US SMALL-CAP ETF US SML CAP ETF 808524607 2,546 41,950 SH   SOLE   0 0 41,950
SECTOR SPDR TR SHS BEN INT FINANCIAL SBI - INT-FINL 81369Y605 434 18,210 SH   SOLE   0 0 18,210
SOUTHERN CO Com 842587107 424 9,662 SH   SOLE   0 0 9,662
SPDR S&P 500 ETF TRUST UNIT SER 1 S&P TR Unit 78462F103 223 890 SH   SOLE   0 0 890
SPDR SERIES TRUST S&P AEROSPACE & DEFENSE ETF AEROSPACE DEF 78464A631 381 4,825 SH   SOLE   0 0 4,825
STRYKER CORP Com 863667101 216 1,378 SH   SOLE   0 0 1,378
TESLA INC COM Com 88160R101 207 621 SH   SOLE   0 0 621
THERMO FISHER SCIENTIFIC INC Com 883556102 640 2,859 SH   SOLE   0 0 2,859
UNION PACIFIC CORP Com 907818108 254 1,840 SH   SOLE   0 0 1,840
UNITED TECHNOLOGIES CORP COM USD1 Com 913017109 1,383 12,987 SH   SOLE   0 0 12,987
UNITEDHEALTH GROUP Com 91324P102 599 2,405 SH   SOLE   0 0 2,405
VANGUARD FTSE DEVELOPED MARKET ETF FTSE DEV MKT ETF 921943858 306 8,250 SH   SOLE   0 0 8,250
VANGUARD GROUP DIV APP ETF DIV APP ETF 921908844 6,133 62,613 SH   SOLE   0 0 62,613
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 2,463 18,335 SH   SOLE   0 0 18,335
VANGUARD INDEX FDS VANGUARD SMALL CAP VIPERS FORMERLY VANGUARD INDEX TR SMALL CP ETF 922908751 3,737 28,313 SH   SOLE   0 0 28,313
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 1,258 9,859 SH   SOLE   0 0 9,859
VANGUARD INTL EQUITY INDEX FUND INC FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,472 38,627 SH   SOLE   0 0 38,627
VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS TT WRLD ST ETF 922042742 350 5,344 SH   SOLE   0 0 5,344
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 1,613 21,626 SH   SOLE   0 0 21,626
VANGUARD S&P 500 GROWTH ETF 500 GRTH IDX F 921932505 3,476 24,749 SH   SOLE   0 0 24,749
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS SHORT TERM TREAS 92206C102 2,877 47,849 SH   SOLE   0 0 47,849
VANGUARD SECTOR INDEX FDS VANGUARD ENERGY VIPERS ENERGY ETF 92204A306 254 3,297 SH   SOLE   0 0 3,297
VANGUARD SECTOR INDEX FDS VANGUARD FINLS VIPERS FINANCIALS ETF 92204A405 5,723 96,409 SH   SOLE   0 0 96,409
VANGUARD SECTOR INDEX FDS VANGUARD HEALTH CARE VIPERS HEALTH CARE ETF 92204A504 1,834 11,422 SH   SOLE   0 0 11,422
VANGUARD STAR FD VANGUARD TOTAL INTL STOCK INDEX FD ETF SHS VG TL INTL STK F 921909768 217 4,603 SH   SOLE   0 0 4,603
VANGUARD WHITEHALL FUNDS INTERNATIONAL DIVIDEND APPRECIATION ETF INTL DIV ETF 921946810 4,943 85,818 SH   SOLE   0 0 85,818
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 2,257 13,528 SH   SOLE   0 0 13,528
VERIZON COMMUNICATIONS Com 92343V104 202 3,559 SH   SOLE   0 0 3,559
VISA INC COM CL A Com CL A 92826C839 3,523 26,698 SH   SOLE   0 0 26,698
WASHINGTON TRUST BANCORP INC COM STK USD0.0625 Com 940610108 497 10,446 SH   SOLE   0 0 10,446
WELLS FARGO CO NEW COM Com 949746101 368 7,980 SH   SOLE   0 0 7,980
WELLS FARGO CO NEW PERP PFD CNV A 7.50000 PERP PFD CNV A 949746804 639 506 SH   SOLE   0 0 506