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 237 1,240 SH   SOLE NONE 0 0 1,240
APPLE INC COM 037833100 448 3,138 SH   SOLE NONE 2,139 0 999
BRKSHR HTHWY CL A 084670108 249 1 SH   SOLE NONE 1 0 0
BRKSHR HTHWY CL B NEW 084670702 460 2,776 SH   SOLE NONE 2,739 0 37
CHVRN CORP COM 166764100 262 2,473 SH   SOLE NONE 29 0 2,444
COCA COLA CO COM 191216100 247 5,835 SH   SOLE NONE 5,635 0 200
EXXN MBL CORP COM 30231G102 353 4,346 SH   SOLE NONE 610 0 3,736
FNB CORP PA COM 302520101 270 18,198 SH   SOLE NONE 0 0 18,198
ISHARES TR GOLD TRUST ETF 464285105 11,466 959,300 SH   SOLE NONE 954,203 0 5,097
ISHARES TR MSCI EAFE IDX 464287465 689 11,093 SH   SOLE NONE 11,093 0 0
ISHARES TR MSCI EMERG MKT 464287234 307 7,820 SH   SOLE NONE 7,820 0 0
ISHARES TR FTSE KLD400 SOC 464288570 3,040 35,090 SH   SOLE NONE 35,090 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 197 1,746 SH   SOLE NONE 546 0 0
ISHARES TR RUS 3000 ETF 464287689 2,550 18,230 SH   SOLE NONE 18,230 0 0
ISHARES TR CORE S&P500 ETF 464287200 316 1,334 SH   SOLE NONE 1,334 0 0
ISHARES TR CORE S&P MCP ETF 464287507 258 1,507 SH   SOLE NONE 1,507 0 0
ISHARES TR CORE S&P SMP ETF 464287804 330 4,793 SH   SOLE NONE 4,043 0 0
ISHARES TR TIPS BD ETF 464287176 25,561 224,050 SH   SOLE NONE 222,768 0 1,282
PWRSHRS ETF TR II S&P 500 LOW VOL 73937B779 477 10,974 SH   SOLE NONE 10,974 0 0
PRCTR & GMBLE COM 742718109 13,846 154,136 SH   SOLE NONE 350 0 153,786
SPR SRS TRST DJ INTL RL ETF 78463X863 10,062 270,086 SH   SOLE NONE 270,086 0 0
SPR SRS TRST DJ REIT ETF 78464A607 870 9,449 SH   SOLE NONE 9,449 0 0
SPDR GLD TRST GOLD SHS 78463V107 442 3,734 SH   SOLE NONE 3,734 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 727 3,095 SH   SOLE NONE 1,865 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 13,215 146,945 SH   SOLE NONE 146,945 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 498 12,744 SH   SOLE NONE 12,744 0 0
VGRD INTL EQ IDX GLB EX US ETF 922042676 303 5,719 SH   SOLE NONE 5,525 0 194
VGRD INTL EQ IDX SM CP VAL ETF 922908611 2,330 19,009 SH   SOLE NONE 19,009 0 0
VGRD IDX FDS LG CP ETF 922908637 11,214 103,778 SH   SOLE NONE 103,778 0 0
VGRD WRLD FD MEGA CP IDX 921910873 804 9,975 SH   SOLE NONE 9,975 0 0
VRGD IDX FDS MD CP ETF 922908629 4,996 35,890 SH   SOLE NONE 35,890 0 0
VGRD IDX FDS REIT ETF 922908553 69,207 839,765 SH   SOLE NONE 829,176 0 10,589
VGRD IDX FDS S&P 500 ETF 922908363 1,009 4,669 SH   SOLE NONE 4,053 0 616
VGRD IDX FDS SM CP ETF 922908751 811 6,105 SH   SOLE NONE 6,105 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769 114,712 946,411 SH   SOLE NONE 940,674 0 5,737