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 221 1,240 SH   SOLE NONE 0 0 1,240
APPLE INC COM 037833100 282 2,443 SH   SOLE NONE 1,439 0 1,004
BRKSHR HTHWY CL A 084670108 244 1 SH   SOLE NONE 1 0 0
BRKSHR HTHWY CL B NEW 084670702 411 2,526 SH   SOLE NONE 2,489 0 37
CHVRN CORP COM 166764100 291 2,473 SH   SOLE NONE 29 0 2,444
COCA COLA CO COM 191216100 241 5,835 SH   SOLE NONE 5,635 0 200
EXXN MBL CORP COM 30231G102 392 4,346 SH   SOLE NONE 610 0 3,736
FNB CORP PA COM 302520101 291 18,198 SH   SOLE NONE 0 0 18,198
ISHARES TR GOLD TRUST ETF 464285105 10,512 948,798 SH   SOLE NONE 943,781 0 5,017
ISHARES TR MSCI EAFE IDX 464287465 670 11,613 SH   SOLE NONE 11,613 0 0
ISHARES TR MSCI EMERG MKT 464287234 291 8,335 SH   SOLE NONE 8,335 0 0
ISHARES TR FTSE KLD400 SOC 464288570 2,539 30,826 SH   SOLE NONE 30,826 0 0
ISHARES TR RUSL 3000 464287689 2,519 18,944 SH   SOLE NONE 18,944 0 0
ISHARES TR CORE S&P500 ETF 464287200 300 1,334 SH   SOLE NONE 1,334 0 0
ISHARES TR S&P MID 400 464287507 258 1,565 SH   SOLE NONE 1,565 0 0
ISHARES TR S&P SM 600 464287804 292 2,130 SH   SOLE NONE 2,130 0 0
ISHARES TR TIPS BD ETF 464287176 25,159 222,319 SH   SOLE NONE 220,898 0 1,421
PWRSHRS ETF TR II S&P 500 LOW VOL 73937B779 456 10,974 SH   SOLE NONE 10,974 0 0
PRCTR & GMBLE COM 742718109 12,959 154,136 SH   SOLE NONE 350 0 153,786
SPR SRS TRST DJ INTL RL ETF 78463X863 9,862 273,354 SH   SOLE NONE 273,354 0 0
SPR SRS TRST DJ REIT ETF 78464A607 882 9,449 SH   SOLE NONE 9,449 0 0
SPDR GLD TRST GOLD SHS 78463V107 486 4,441 SH   SOLE NONE 4,441 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 691 3,095 SH   SOLE NONE 1,865 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 12,610 148,045 SH   SOLE NONE 148,045 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 465 12,744 SH   SOLE NONE 12,744 0 0
VGRD INTL EQ IDX GLB EX US ETF 922042676 9,683 195,342 SH   SOLE NONE 194,595 0 747
VGRD IDX FDS SM CP VAL ETF 922908611 2,300 19,009 SH   SOLE NONE 19,009 0 0
VRGD IDX FDS LG CP ETF 922908637 11,294 110,328 SH   SOLE NONE 110,328 0 0
VGRD WRLD FD MEGA CP IDX 921910873 761 9,975 SH   SOLE NONE 9,975 0 0
VRGD IDX FDS MD CP ETF 922908629 4,724 35,890 SH   SOLE NONE 35,890 0 0
VGRD IDX FDS REIT ETF 922908553 69,802 845,782 SH   SOLE NONE 834,316 0 11,466
VGRD IDX FDS S&P 500 ETF 922908363 1,007 4,909 SH   SOLE NONE 4,293 0 616
VGRD IDX FDS SM CP ETF 922908751 787 6,105 SH   SOLE NONE 6,105 0 0
VGRD IDX FDS STK MKT ETF 922908769 110,162 955,278 SH   SOLE NONE 947,725 0 7,553