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<n1:informationTable xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable">
	<n1:infoTable>
		<n1:nameOfIssuer>3M CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>88579Y101</n1:cusip>
		<n1:value>203</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1240</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1240</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ALPS ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>ALERIAN MLP</n1:titleOfClass>
		<n1:cusip>00162Q866</n1:cusip>
		<n1:value>1759</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>106300</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>106300</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>APPLE INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>037833100</n1:cusip>
		<n1:value>319</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2575</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>1400</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1175</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BRKSHR HTHWY </n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>084670108</n1:cusip>
		<n1:value>217</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>1</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BRKSHR HTHWY </n1:nameOfIssuer>
		<n1:titleOfClass>CL B NEW</n1:titleOfClass>
		<n1:cusip>084670702</n1:cusip>
		<n1:value>633</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4392</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>4392</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CHVRN CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>166764100</n1:cusip>
		<n1:value>219</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2100</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2100</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EXXN MBL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>30231G102</n1:cusip>
		<n1:value>240</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2850</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2850</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>FNB CORP PA</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>302520101</n1:cusip>
		<n1:value>239</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>18198</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>18198</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES</n1:nameOfIssuer>
		<n1:titleOfClass>GOLD TRUST ETF</n1:titleOfClass>
		<n1:cusip>464285105</n1:cusip>
		<n1:value>19023</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1666990</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>1658612</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8378</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES</n1:nameOfIssuer>
		<n1:titleOfClass>MSCI EAFE IDX</n1:titleOfClass>
		<n1:cusip>464287465</n1:cusip>
		<n1:value>760</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>11893</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>11893</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES</n1:nameOfIssuer>
		<n1:titleOfClass>MSCI EMERG MKT</n1:titleOfClass>
		<n1:cusip>464287234</n1:cusip>
		<n1:value>381</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9525</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>9525</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE KLD400 SOC</n1:titleOfClass>
		<n1:cusip>464288570</n1:cusip>
		<n1:value>3698</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>47942</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>47942</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES</n1:nameOfIssuer>
		<n1:titleOfClass>RUSL 3000</n1:titleOfClass>
		<n1:cusip>464287689</n1:cusip>
		<n1:value>2509</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>20264</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>20264</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES</n1:nameOfIssuer>
		<n1:titleOfClass>TIPS BD ETF</n1:titleOfClass>
		<n1:cusip>464287176</n1:cusip>
		<n1:value>24569</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>217373</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>216486</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>887</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PWRSHRS ETF TR II</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 500 LOW VOL</n1:titleOfClass>
		<n1:cusip>73937B779</n1:cusip>
		<n1:value>414</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10974</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>10974</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PRCTR &amp; GMBLE </n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>742718109</n1:cusip>
		<n1:value>12014</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>146651</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>146651</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPR SRS TRST</n1:nameOfIssuer>
		<n1:titleOfClass>DJ INTL RL ETF</n1:titleOfClass>
		<n1:cusip>78463X863</n1:cusip>
		<n1:value>15358</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>355854</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>355654</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>200</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPR SRS TRST</n1:nameOfIssuer>
		<n1:titleOfClass>DJ REIT ETF</n1:titleOfClass>
		<n1:cusip>78464A607</n1:cusip>
		<n1:value>892</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9449</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>9449</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR S&amp;P 500 ETF</n1:nameOfIssuer>
		<n1:titleOfClass>TR UNIT</n1:titleOfClass>
		<n1:cusip>78462F103</n1:cusip>
		<n1:value>272</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1325</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>725</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>600</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD SPEC PORT</n1:nameOfIssuer>
		<n1:titleOfClass>DIV APP ETF</n1:titleOfClass>
		<n1:cusip>921908844</n1:cusip>
		<n1:value>13396</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>166504</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>166504</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD WORLD FDS</n1:nameOfIssuer>
		<n1:titleOfClass>ENERGY ETF</n1:titleOfClass>
		<n1:cusip>92204A306</n1:cusip>
		<n1:value>231</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2132</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>2132</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD INTL EQ IDX</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE SMCAP ETF</n1:titleOfClass>
		<n1:cusip>922042718</n1:cusip>
		<n1:value>1497</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>15103</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>15103</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD TX MNGD</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE DEV MKT ETF</n1:titleOfClass>
		<n1:cusip>921943858</n1:cusip>
		<n1:value>2892</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>72753</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>72321</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>432</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD TX MNGD</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE EM MKT ETF</n1:titleOfClass>
		<n1:cusip>922042858</n1:cusip>
		<n1:value>1547</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>37994</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>37994</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD INTL EQ IDX</n1:nameOfIssuer>
		<n1:titleOfClass>GLB EX US ETF</n1:titleOfClass>
		<n1:cusip>922042676</n1:cusip>
		<n1:value>230</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4153</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>4153</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SM CP VAL ETF</n1:titleOfClass>
		<n1:cusip>922908611</n1:cusip>
		<n1:value>2075</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>19009</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>19009</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VRGD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>LG CP ETF</n1:titleOfClass>
		<n1:cusip>922908637</n1:cusip>
		<n1:value>11334</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>119080</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>119080</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VRGD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>MD CP ETF</n1:titleOfClass>
		<n1:cusip>922908629</n1:cusip>
		<n1:value>5123</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>38620</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>38620</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>REIT ETF</n1:titleOfClass>
		<n1:cusip>922908553</n1:cusip>
		<n1:value>69200</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>822476</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>811923</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10553</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 500 ETF</n1:titleOfClass>
		<n1:cusip>922908363</n1:cusip>
		<n1:value>2544</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>13454</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>12838</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>616</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SM CP ETF</n1:titleOfClass>
		<n1:cusip>922908751</n1:cusip>
		<n1:value>756</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6190</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>6190</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>STK MKT ETF</n1:titleOfClass>
		<n1:cusip>922908769</n1:cusip>
		<n1:value>139767</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1304195</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>1298479</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5716</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD IDX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>VALUE ETF</n1:titleOfClass>
		<n1:cusip>922908744</n1:cusip>
		<n1:value>865</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10340</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>10340</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VGRD WRLD FD</n1:nameOfIssuer>
		<n1:titleOfClass>MEGA CP IDX</n1:titleOfClass>
		<n1:cusip>921910873</n1:cusip>
		<n1:value>1009</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>14366</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:otherManager>NONE</n1:otherManager>
		<n1:votingAuthority>
			<n1:Sole>14366</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
</n1:informationTable>
