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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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 CO COM 88579Y101 216 1,240 SH   SOLE NONE 0 0 1,240
APPLE INC COM 037833100 221 2,338 SH   SOLE NONE 1,439 0 899
BRKSHR HTHWY CL A 084670108 216 1 SH   SOLE NONE 1 0 0
BRKSHR HTHWY CL B NEW 084670702 363 2,526 SH   SOLE NONE 2,489 0 37
CHVRN CORP COM 166764100 256 2,473 SH   SOLE NONE 29 0 2,444
COCA COLA CO COM 191216100 206 4,560 SH   SOLE NONE 4,360 0 200
EXXN MBL CORP COM 30231G102 367 3,930 SH   SOLE NONE 0 0 3,930
FNB CORP PA COM 302520101 228 18,198 SH   SOLE NONE 0 0 18,198
ISHARES GOLD TRUST ETF 464285105 10,464 824,872 SH   SOLE NONE 793,568 0 31,304
ISHARES MSCI EAFE IDX 464287465 1,104 19,831 SH   SOLE NONE 11,893 0 7,938
ISHARES MSCI EMERG MKT 464287234 374 10,925 SH   SOLE NONE 9,525 0 1,400
ISHARES FTSE KLD400 SOC 464288570 2,639 34,149 SH   SOLE NONE 34,149 0 0
ISHARES RUSL 3000 464287689 2,429 19,594 SH   SOLE NONE 19,594 0 0
ISHARES TIPS BD ETF 464287176 24,811 213,596 SH   SOLE NONE 210,324 0 3,272
PWRSHRS ETF TR II S&P 500 LOW VOL 73937B779 468 10,974 SH   SOLE NONE 10,974 0 0
PRCTR & GMBLE COM 742718109 14,896 175,970 SH   SOLE NONE 0 0 175,970
SPR SRS TRST DJ INTL RL ETF 78463X863 11,729 284,071 SH   SOLE NONE 282,076 0 1,995
SPR SRS TRST DJ REIT ETF 78464A607 938 9,449 SH   SOLE NONE 9,449 0 0
SPDR GLD TRST GOLD SHS 78463V107 559 4,441 SH   SOLE NONE 4,441 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 408 1,955 SH   SOLE NONE 725 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 12,321 148,045 SH   SOLE NONE 148,045 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 454 12,954 SH   SOLE NONE 12,337 0 617
VGRD INTL EQ IDX GLB EX US ETF 922042676 279 5,165 SH   SOLE NONE 5,165 0 0
VGRD IDX FDS SM CP VAL ETF 922908611 1,997 19,009 SH   SOLE NONE 19,009 0 0
VRGD IDX FDS LG CP ETF 922908637 10,592 110,528 SH   SOLE NONE 110,528 0 0
VGRD WRLD FD MEGA CP IDX 921910873 713 9,975 SH   SOLE NONE 9,975 0 0
VRGD IDX FDS MD CP ETF 922908629 4,435 35,890 SH   SOLE NONE 35,890 0 0
VGRD IDX FDS REIT ETF 922908553 72,041 814,078 SH   SOLE NONE 790,258 0 23,820
VGRD IDX FDS S&P 500 ETF 922908363 1,004 5,229 SH   SOLE NONE 4,613 0 616
VGRD IDX FDS SM CP ETF 922908751 714 6,190 SH   SOLE NONE 6,190 0 0
VGRD IDX FDS STK MKT ETF 922908769 106,187 991,959 SH   SOLE NONE 952,958 0 39,001