Financial Advantage 13F-HR Quarterly holdings report by institutional manager

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
SPDR GOLD TRUST	GOLD SHS	78463V107	12,742	99,404	SH		SOLE		0	0	99,404
PLUM CREEK TIMBER CO INC	COM	729251108	8,808	188,089	SH		SOLE		0	0	188,089
ISHARES TR	S&P NA SOFTWR	464287515	8,325	109,136	SH		SOLE		0	0	109,136
KINDER MORGAN MANAGEMENT LLC	SHS	49455U100	7,457	99,486	SH		SOLE		0	0	99,486
HCC INS HLDGS INC	COM	404132102	7,442	169,826	SH		SOLE		0	0	169,826
GOOGLE INC	CL A	38259P508	5,678	6,482	SH		SOLE		0	0	6,482
3M CO	COM	88579Y101	5,674	47,517	SH		SOLE		0	0	47,517
CISCO SYS INC	COM	17275R102	5,303	226,328	SH		SOLE		0	0	226,328
APACHE CORP	COM	37411105	5,075	59,606	SH		SOLE		0	0	59,606
TEVA PHARMACEUTICAL INDS LTD	ADR	881624209	4,707	124,602	SH		SOLE		0	0	124,602
MERCK & CO INC NEW	COM	58933Y105	4,353	91,441	SH		SOLE		0	0	91,441
DUKE ENERGY CORP NEW	COM	26441C105	4,352	65,177	SH		SOLE		0	0	65,177
NORTHROP GRUMMAN CORP	COM	666807102	3,972	41,697	SH		SOLE		0	0	41,697
TIME WARNER INC	COM NEW	887317303	3,863	58,694	SH		SOLE		0	0	58,694
LAZARD LTD	SHS A	G54050102	3,782	104,986	SH		SOLE		0	0	104,986
SOUTHERN CO	COM	842587107	3,633	88,222	SH		SOLE		0	0	88,222
TJX COS INC NEW	COM	872540109	3,503	62,129	SH		SOLE		0	0	62,129
COACH INC	COM	189754104	3,122	57,247	SH		SOLE		0	0	57,247
DEVON ENERGY CORP NEW	COM	25179M103	2,205	38,179	SH		SOLE		0	0	38,179
SPDR SERIES TRUST	S&P BIOTECH	78464A870	1,705	13,204	SH		SOLE		0	0	13,204
UNITEDHEALTH GROUP INC	COM	91324P102	924	12,903	SH		SOLE		0	0	12,903
EXXON MOBIL CORP	COM	30231G102	754	8,761	SH		SOLE		0	0	8,761
AT&T INC	COM	00206R102	502	14,844	SH		SOLE		0	0	14,844
COCA COLA CO	COM	191216100	478	12,630	SH		SOLE		0	0	12,630
APPLE INC	COM	37833100	358	750	SH		SOLE		0	0	750
MCCORMICK & CO INC	COM VTG	579780107	354	5,453	SH		SOLE		0	0	5,453
ISHARES GOLD TRUST	ISHARES	464285105	312	24,235	SH		SOLE		0	0	24,235
MCCORMICK & CO INC	COM NON VTG	579780206	300	4,642	SH		SOLE		0	0	4,642
VANGUARD SCOTTSDALE FDS	SHTRM GVT BD ETF	92206C409	242	3,040	SH		SOLE		0	0	3,040
CENTRAL GOLDTRUST	TR UNIT	153546106	219	4,738	SH		SOLE		0	0	4,738
VERIZON COMMUNICATIONS INC	COM	92343V104	205	4,401	SH		SOLE		0	0	4,401
MICROS SYS INC	COM	594901100	201	4,028	SH		SOLE		0	0	4,028
EATON VANCE SR FLTNG RTE TR	COM	27828Q105	191	12,367	SH		SOLE		0	0	12,367
EAGLE BANCORP INC MD	COM	268948106	185	6,540	SH		SOLE		0	0	6,540
CATERPILLAR INC DEL	COM	149123101	179	2,150	SH		SOLE		0	0	2,150
INTERNATIONAL BUSINESS MACHS	COM	459200101	165	893	SH		SOLE		0	0	893
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	164	1,960	SH		SOLE		0	0	1,960
GENERAL ELECTRIC CO	COM	369604103	160	6,686	SH		SOLE		0	0	6,686
PRICE T ROWE GROUP INC	COM	74144T108	158	2,192	SH		SOLE		0	0	2,192
MICROSOFT CORP	COM	594918104	139	4,175	SH		SOLE		0	0	4,175
BERKSHIRE HATHAWAY INC DEL	CL B NEW	84670702	134	1,183	SH		SOLE		0	0	1,183
TEMPLETON GLOBAL INCOME FD	COM	880198106	128	15,317	SH		SOLE		0	0	15,317
NEXTERA ENERGY INC	COM	65339F101	127	1,579	SH		SOLE		0	0	1,579
JOHNSON & JOHNSON	COM	478160104	127	1,460	SH		SOLE		0	0	1,460
UNITED TECHNOLOGIES CORP	COM	913017109	113	1,050	SH		SOLE		0	0	1,050
VANGUARD BD INDEX FD INC	TOTAL BND MRKT	921937835	109	1,350	SH		SOLE		0	0	1,350
DISNEY WALT CO	COM DISNEY	254687106	101	1,566	SH		SOLE		0	0	1,566
PROCTER & GAMBLE CO	COM	742718109	98	1,300	SH		SOLE		0	0	1,300
AMERICAN ELEC PWR INC	COM	25537101	91	2,100	SH		SOLE		0	0	2,100
CORPORATE OFFICE PPTYS TR	SH BEN INT	22002T108	85	3,700	SH		SOLE		0	0	3,700
INTUITIVE SURGICAL INC	COM NEW	46120E602	81	215	SH		SOLE		0	0	215
BECTON DICKINSON & CO	COM	75887109	80	800	SH		SOLE		0	0	800
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	77	1,165	SH		SOLE		0	0	1,165
QUALCOMM INC	COM	747525103	70	1,045	SH		SOLE		0	0	1,045
EXPONENT INC	COM	30214U102	68	948	SH		SOLE		0	0	948
AMAZON COM INC	COM	23135106	67	215	SH		SOLE		0	0	215
ABERDEEN ASIA PACIFIC INCOM	COM	3009107	66	10,838	SH		SOLE		0	0	10,838
CSX CORP	COM	126408103	64	2,499	SH		SOLE		0	0	2,499
BOULDER TOTAL RETURN FD INC	COM	101541100	59	2,700	SH		SOLE		0	0	2,700
HUBBELL INC	CL A	443510102	57	600	SH		SOLE		0	0	600
ABBVIE INC	COM	00287Y109	54	1,200	SH		SOLE		0	0	1,200
NORTHWEST BANCSHARES INC MD	COM	667340103	52	3,937	SH		SOLE		0	0	3,937
AMERICAN EXPRESS CO	COM	25816109	51	680	SH		SOLE		0	0	680
ISHARES TR	BARCLYS MBS BD	464288588	51	480	SH		SOLE		0	0	480
BAIDU INC	SPON ADR REP A	56752108	50	325	SH		SOLE		0	0	325
FACEBOOK INC	CL A	3030M102	50	1,000	SH		SOLE		0	0	1,000
EQT CORP	COM	26884L109	49	550	SH		SOLE		0	0	550
BLACKROCK HEALTH SCIENCES TR	COM	09250W107	47	1,450	SH		SOLE		0	0	1,450
BB&T CORP	COM	54937107	47	1,400	SH		SOLE		0	0	1,400
BANK OF NEW YORK MELLON CORP	COM	64058100	47	1,550	SH		SOLE		0	0	1,550
TORTOISE ENERGY INFRSTRCTR C	COM	89147L100	46	1,000	SH		SOLE		0	0	1,000
ABBOTT LABS	COM	2824100	43	1,290	SH		SOLE		0	0	1,290
VISA INC	COM CL A	92826C839	42	220	SH		SOLE		0	0	220
DU PONT E I DE NEMOURS & CO	COM	263534109	42	710	SH		SOLE		0	0	710
COMCAST CORP NEW	CL A	20030N101	40	876	SH		SOLE		0	0	876
FORD MTR CO DEL	COM PAR $0.01	345370860	39	2,337	SH		SOLE		0	0	2,337
ROYAL GOLD INC	COM	780287108	39	800	SH		SOLE		0	0	800
TOYOTA MOTOR CORP	SP ADR REP2COM	892331307	38	300	SH		SOLE		0	0	300
VODAFONE GROUP PLC NEW	SPONS ADR NEW	92857W209	37	1,058	SH		SOLE		0	0	1,058
UNITED PARCEL SERVICE INC	CL B	911312106	37	407	SH		SOLE		0	0	407
PNC FINL SVCS GROUP INC	COM	693475105	36	493	SH		SOLE		0	0	493
BP PLC	SPONSORED ADR	55622104	35	824	SH		SOLE		0	0	824
INTEL CORP	COM	458140100	33	1,454	SH		SOLE		0	0	1,454
DOMINION RES INC VA NEW	COM	25746U109	33	530	SH		SOLE		0	0	530
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	33	400	SH		SOLE		0	0	400
HARLEY DAVIDSON INC	COM	412822108	32	500	SH		SOLE		0	0	500
KINDER MORGAN ENERGY PARTNER	UT LTD PARTNER	494550106	32	400	SH		SOLE		0	0	400
NETFLIX INC	COM	64110L106	31	100	SH		SOLE		0	0	100
ALTRIA GROUP INC	COM	02209S103	24	700	SH		SOLE		0	0	700
CHEVRON CORP NEW	COM	166764100	22	178	SH		SOLE		0	0	178
CONOCOPHILLIPS	COM	20825C104	22	310	SH		SOLE		0	0	310
UNDER ARMOUR INC	CL A	904311107	21	270	SH		SOLE		0	0	270
PEPCO HOLDINGS INC	COM	713291102	21	1,150	SH		SOLE		0	0	1,150
PHILIP MORRIS INTL INC	COM	718172109	21	243	SH		SOLE		0	0	243
BRISTOL MYERS SQUIBB CO	COM	110122108	21	450	SH		SOLE		0	0	450
PEPSICO INC	COM	713448108	21	260	SH		SOLE		0	0	260
CORNING INC	COM	219350105	20	1,400	SH		SOLE		0	0	1,400
MONDELEZ INTL INC	CL A	609207105	20	650	SH		SOLE		0	0	650
TENET HEALTHCARE CORP	COM	88033G407	20	495	SH		SOLE		0	0	495
AFLAC INC	COM	1055102	20	323	SH		SOLE		0	0	323
ENERPLUS CORP	COM	292766102	20	1,200	SH		SOLE		0	0	1,200
ANNALY CAP MGMT INC	COM	35710409	19	1,640	SH		SOLE		0	0	1,640
MYRIAD GENETICS INC	COM	62855J104	19	800	SH		SOLE		0	0	800
FIDELITY NATIONAL FINANCIAL	CL A	31620R105	19	700	SH		SOLE		0	0	700
SEI INVESTMENTS CO	COM	784117103	19	600	SH		SOLE		0	0	600
PRUDENTIAL FINL INC	COM	744320102	18	230	SH		SOLE		0	0	230
VIACOM INC NEW	CL B	92553P201	16	193	SH		SOLE		0	0	193
EXELON CORP	COM	30161N101	16	543	SH		SOLE		0	0	543
MARKET VECTORS ETF TR	GOLD MINER ETF	57060U100	16	637	SH		SOLE		0	0	637
STANDARD PAC CORP NEW	COM	85375C101	16	2,000	SH		SOLE		0	0	2,000
LINN ENERGY LLC	UNIT LTD LIAB	536020100	16	600	SH		SOLE		0	0	600
CELGENE CORP	COM	151020104	15	100	SH		SOLE		0	0	100
KINDER MORGAN INC DEL	*W EXP 05/25/201	49456B119	15	3,000	SH		SOLE		0	0	3,000
SPROTT PHYSICAL SILVER TR	TR UNIT	85207K107	15	1,700	SH		SOLE		0	0	1,700
SNYDERS-LANCE INC	COM	833551104	14	500	SH		SOLE		0	0	500
BERKLEY W R CORP	COM	84423102	14	327	SH		SOLE		0	0	327
ENERGY TRANSFER PRTNRS L P	UNIT LTD PARTN	29273R109	14	260	SH		SOLE		0	0	260
ZILLOW INC	CL A	98954A107	13	150	SH		SOLE		0	0	150
FEDERAL REALTY INVT TR	SH BEN INT NEW	313747206	13	124	SH		SOLE		0	0	124
PFIZER INC	COM	717081103	12	433	SH		SOLE		0	0	433
TERADATA CORP DEL	COM	88076W103	12	210	SH		SOLE		0	0	210
FEDEX CORP	COM	31428X106	11	100	SH		SOLE		0	0	100
KRAFT FOODS GROUP INC	COM	50076Q106	11	216	SH		SOLE		0	0	216
BROOKFIELD ASSET MGMT INC	CL A LTD VT SH	112585104	11	300	SH		SOLE		0	0	300
HARTFORD FINL SVCS GROUP INC	*W EXP 06/26/201	416515120	11	500	SH		SOLE		0	0	500
DOW CHEM CO	COM	260543103	11	280	SH		SOLE		0	0	280
NORFOLK SOUTHERN CORP	COM	655844108	11	139	SH		SOLE		0	0	139
CBS CORP NEW	CL B	124857202	11	193	SH		SOLE		0	0	193
LOCKHEED MARTIN CORP	COM	539830109	10	81	SH		SOLE		0	0	81
WESTPORT INNOVATIONS INC	COM NEW	960908309	10	425	SH		SOLE		0	0	425
FRANCO NEVADA CORP	COM	351858105	10	225	SH		SOLE		0	0	225
CANADIAN NATL RY CO	COM	136375102	10	100	SH		SOLE		0	0	100
PROSHARES TR	SHT KBW REGBNK	74347X476	10	300	SH		SOLE		0	0	300
HARSCO CORP	COM	415864107	10	400	SH		SOLE		0	0	400
FREEPORT-MCMORAN COPPER & GO	COM	35671D857	10	300	SH		SOLE		0	0	300
PIONEER NAT RES CO	COM	723787107	10	52	SH		SOLE		0	0	52
PIER 1 IMPORTS INC	COM	720279108	10	500	SH		SOLE		0	0	500
MCDONALDS CORP	COM	580135101	10	100	SH		SOLE		0	0	100
FULTON FINL CORP PA	COM	360271100	9	800	SH		SOLE		0	0	800
ANADARKO PETE CORP	COM	32511107	9	100	SH		SOLE		0	0	100
PHILLIPS 66	COM	718546104	9	155	SH		SOLE		0	0	155
E M C CORP MASS	COM	268648102	9	350	SH		SOLE		0	0	350
PIONEER SOUTHWST ENRG PRTNR	UNIT LP INT	72388B106	9	200	SH		SOLE		0	0	200
FLAHERTY & CRUMRINE PFD INC	COM	338480106	9	700	SH		SOLE		0	0	700
DENTSPLY INTL INC NEW	COM	249030107	9	200	SH		SOLE		0	0	200
SILVER WHEATON CORP	COM	828336107	9	350	SH		SOLE		0	0	350
HOME PROPERTIES INC	COM	437306103	9	150	SH		SOLE		0	0	150
HUBBELL INC	CL B	443510201	9	82	SH		SOLE		0	0	82
TARGACEPT INC	COM	87611R306	8	1,600	SH		SOLE		0	0	1,600
HILLENBRAND INC	COM	431571108	8	300	SH		SOLE		0	0	300
AWARE INC MASS	COM	05453N100	8	1,500	SH		SOLE		0	0	1,500
PNC FINL SVCS GROUP INC	*W EXP 12/31/201	693475121	8	500	SH		SOLE		0	0	500
ERIE INDTY CO	CL A	29530P102	7	103	SH		SOLE		0	0	103
UIL HLDG CORP	COM	902748102	7	200	SH		SOLE		0	0	200
PUTNAM MUN OPPORTUNITIES TR	SH BEN INT	746922103	7	667	SH		SOLE		0	0	667
EXPRESS SCRIPTS HLDG CO	COM	30219G108	7	116	SH		SOLE		0	0	116
RITE AID CORP	COM	767754104	7	1,500	SH		SOLE		0	0	1,500
WELLS FARGO & CO NEW	*W EXP 10/28/201	949746119	7	500	SH		SOLE		0	0	500
LIGAND PHARMACEUTICALS INC	COM NEW	53220K504	6	150	SH		SOLE		0	0	150
NEWPARK RES INC	COM PAR $.01NEW	651718504	6	500	SH		SOLE		0	0	500
MARKEL CORP	COM	570535104	6	12	SH		SOLE		0	0	12
COSTCO WHSL CORP NEW	COM	22160K105	6	52	SH		SOLE		0	0	52
NIKE INC	CL B	654106103	6	80	SH		SOLE		0	0	80
NEWMONT MINING CORP	COM	651639106	6	200	SH		SOLE		0	0	200
WALKER & DUNLOP INC	COM	93148P102	6	350	SH		SOLE		0	0	350
CAMPBELL SOUP CO	COM	134429109	5	135	SH		SOLE		0	0	135
ETFS PLATINUM TR	SH BEN INT	26922V101	5	40	SH		SOLE		0	0	40
YAHOO INC	COM	984332106	5	157	SH		SOLE		0	0	157
YAMANA GOLD INC	COM	98462Y100	5	500	SH		SOLE		0	0	500
JPMORGAN CHASE & CO	COM	46625H100	5	100	SH		SOLE		0	0	100
MEDIFAST INC	COM	58470H101	5	180	SH		SOLE		0	0	180
MARATHON PETE CORP	COM	56585A102	5	75	SH		SOLE		0	0	75
FIRSTHAND TECH VALUE FD INC	COM	33766Y100	5	191	SH		SOLE		0	0	191
BLACKSTONE GROUP L P	COM UNIT LTD	09253U108	4	175	SH		SOLE		0	0	175
SPROTT PHYSICAL PLAT PALLAD	UNIT	85207Q104	4	450	SH		SOLE		0	0	450
CENTURYLINK INC	COM	156700106	4	126	SH		SOLE		0	0	126
TAHOE RES INC	COM	873868103	4	200	SH		SOLE		0	0	200
MARATHON OIL CORP	COM	565849106	3	99	SH		SOLE		0	0	99
SMUCKER J M CO	COM NEW	832696405	3	32	SH		SOLE		0	0	32
JPMORGAN CHASE & CO	*W EXP 10/28/201	46634E114	3	200	SH		SOLE		0	0	200
COGNIZANT TECHNOLOGY SOLUTIO	CL A	192446102	3	40	SH		SOLE		0	0	40
NORTHEAST UTILS	COM	664397106	3	78	SH		SOLE		0	0	78
SILVER STD RES INC	COM	82823L106	3	500	SH		SOLE		0	0	500
C H ROBINSON WORLDWIDE INC	COM NEW	12541W209	3	50	SH		SOLE		0	0	50
FRONTIER COMMUNICATIONS CORP	COM	35906A108	3	656	SH		SOLE		0	0	656
HILLSHIRE BRANDS CO	COM	432589109	2	80	SH		SOLE		0	0	80
NATIONAL FUEL GAS CO N J	COM	636180101	2	35	SH		SOLE		0	0	35
FIRST MAJESTIC SILVER CORP	COM	32076V103	2	200	SH		SOLE		0	0	200
FIRST TR EXCHANGE TRADED FD	NO AMER ENERGY	33738D101	2	100	SH		SOLE		0	0	100
SANDSTORM GOLD LTD	COM NEW	80013R206	2	400	SH		SOLE		0	0	400
CHESAPEAKE ENERGY CORP	COM	165167107	2	77	SH		SOLE		0	0	77
HUNTINGTON INGALLS INDS INC	COM	446413106	2	29	SH		SOLE		0	0	29
HOME DEPOT INC	COM	437076102	2	25	SH		SOLE		0	0	25
WAL-MART STORES INC	COM	931142103	2	25	SH		SOLE		0	0	25
CIFC CORP	COM	12547R105	2	230	SH		SOLE		0	0	230
RUBICON MINERALS CORP	COM	780911103	2	1,200	SH		SOLE		0	0	1,200
ASHLAND INC NEW	COM	44209104	1	16	SH		SOLE		0	0	16
BOEING CO	COM	97023105	1	12	SH		SOLE		0	0	12
ROYAL DUTCH SHELL PLC	SPON ADR B	780259107	1	20	SH		SOLE		0	0	20
ELDORADO GOLD CORP NEW	COM	284902103	1	200	SH		SOLE		0	0	200
WHOLE FOODS MKT INC	COM	966837106	1	20	SH		SOLE		0	0	20
GLAXOSMITHKLINE PLC	SPONSORED ADR	37733W105	1	20	SH		SOLE		0	0	20
INFINERA CORPORATION	COM	45667G103	1	85	SH		SOLE		0	0	85
VOCUS INC	COM	92858J108	1	100	SH		SOLE		0	0	100
ZOETIS INC	CL A	98978V103	1	26	SH		SOLE		0	0	26
STARBUCKS CORP	COM	855244109	1	10	SH		SOLE		0	0	10
TIANYIN PHARMACEUTICAL CO IN	COM	88630M104	1	1,000	SH		SOLE		0	0	1,000
WEST MARINE INC	COM	954235107	1	60	SH		SOLE		0	0	60
ACTIVISION BLIZZARD INC	COM	00507V109	1	41	SH		SOLE		0	0	41
RETAIL OPPORTUNITY INVTS COR	COM	76131N101	1	49	SH		SOLE		0	0	49
RETAIL OPPORTUNITY INVTS COR	*W EXP 10/23/201	76131N119	1	300	SH		SOLE		0	0	300
SIRIUS XM RADIO INC	COM	82967N108	1	162	SH		SOLE		0	0	162
NEW GOLD INC CDA	COM	644535106	1	100	SH		SOLE		0	0	100
SILVERCREST MINES INC	COM	828365106	1	300	SH		SOLE		0	0	300
KKR & CO L P DEL	COM UNITS	48248M102	1	25	SH		SOLE		0	0	25
BROOKFIELD INFRAST PARTNERS	LP INT UNIT	G16252101	0	12	SH		SOLE		0	0	12
LSI CORPORATION	COM	502161102	0	58	SH		SOLE		0	0	58
SEANERGY MARITIME HLDGS CORP	SHS	Y73760129	0	266	SH		SOLE		0	0	266
P T TELEKOMUNIKASI INDONESIA	SPONSORED ADR	715684106	0	11	SH		SOLE		0	0	11
BRIDGEPOINT ED INC	COM	10807M105	0	20	SH		SOLE		0	0	20
ALCATEL-LUCENT	SPONSORED ADR	13904305	0	97	SH		SOLE		0	0	97
BROOKFIELD PPTY PARTNERS L P	UNIT LTD PARTN	G16249107	0	17	SH		SOLE		0	0	17
SYNTROLEUM CORP	COM	871630109	0	40	SH		SOLE		0	0	40
UNITED STATES STL CORP NEW	COM	912909108	0	2	SH		SOLE		0	0	2
MYREXIS INC	COM	62856H107	0	200	SH		SOLE		0	0	200