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
Estimated average burden
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 245 1,423 SH   SOLE NONE 0 0 1,423
APPLE INC COM 037833100 468 2,378 SH   SOLE NONE 1,439 0 939
BRKSHR HTHWY CL A 084670108 954 3 SH   SOLE NONE 1 0 2
BRKSHR HTHWY CL B NEW 084670702 621 2,941 SH   SOLE NONE 2,322 0 619
CHVRN CORP COM 166764100 313 2,539 SH   SOLE NONE 66 0 2,473
COCA COLA CO COM 191216100 296 5,835 SH   SOLE NONE 5,635 0 200
EXXN MBL CORP COM 30231G102 261 3,449 SH   SOLE NONE 160 0 3,289
FNB CORP PA COM 302520101 214 18,198 SH   SOLE NONE 0 0 18,198
ISHARES TR RUS 1000 GRW ETF 464287614 301 1,930 SH   SOLE NONE 1,930 0 0
ISHARES TR GOLD TRUST ETF 464285105 913 68,243 SH   SOLE NONE 63,841 0 4,402
ISHARES TR MSCI EAFE ETF 464287465 400 6,112 SH   SOLE NONE 6,112 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 335 7,820 SH   SOLE NONE 7,820 0 0
ISHARES TR FTSE KLD400 SOC 464288570 2,344 21,465 SH   SOLE NONE 21,465 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 269 2,146 SH   SOLE NONE 2,146 0 0
ISHARES TR RUS 3000 ETF 464287689 402 2,333 SH   SOLE NONE 2,333 0 0
ISHARES TR CORE S&P 500 ETF 464287200 379 1,287 SH   SOLE NONE 1,287 0 0
ISHARES TR CORE S&P MCP ETF 464287507 276 1,422 SH   SOLE NONE 1,422 0 0
ISHARES TR CORE S&P SMP ETF 464287804 391 5,043 SH   SOLE NONE 5,043 0 0
ISHARES TR TIPS BD ETF 464287176 2,527 21,973 SH   SOLE NONE 21,539 0 434
ISHARES TR CORE MSCI TOTAL 46432F834 225 3,850 SH   SOLE NONE 3,850 0 0
SPR SRS TRST DJ INTL RL ETF 78463X863 3,925 101,950 SH   SOLE NONE 101,950 0 0
SPR SRS TRST DJ REIT ETF 78464A607 931 9,449 SH   SOLE NONE 9,449 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 694 2,370 SH   SOLE NONE 1,140 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 15,509 134,691 SH   SOLE NONE 134,691 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 279 6,731 SH   SOLE NONE 6,731 0 0
VGRD INTL EQ IDX GLB EX US ETF 922042676 466 7,967 SH   SOLE NONE 6,667 0 1,300
VGRD INTL EQ IDX SM CP VAL ETF 922908611 1,910 14,654 SH   SOLE NONE 13,724 0 930
VGRD IDX FDS LG CP ETF 922908637 12,577 93,367 SH   SOLE NONE 93,367 0 0
VGRD WRLD FD MEGA CP IDX 921910873 606 5,990 SH   SOLE NONE 5,990 0 0
VRGD IDX FDS MD CP ETF 922908629 5,754 34,440 SH   SOLE NONE 34,440 0 0
VGRD IDX FDS REAL ESTATE ETF 922908553 72,343 829,384 SH   SOLE NONE 784,281 0 45,103
VGRD IDX FDS SM CP ETF 922908751 913 5,836 SH   SOLE NONE 5,836 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769 138,271 921,992 SH   SOLE NONE 863,709 0 58,283