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 251 1,701 SH   SOLE NONE 150 0 1,551
APPLE INC COM 037833100 1,672 9,592 SH   SOLE NONE 5,092 0 4,500
BRKSHR HTHWY CL A 084670108 11,105 21 SH   SOLE NONE 1 0 20
BRKSHR HTHWY CL B NEW 084670702 2,523 7,167 SH   SOLE NONE 3,160 0 4,007
CHVRN CORP COM 166764100 450 2,780 SH   SOLE NONE 336 0 2,444
COCA COLA CO COM 191216100 319 5,160 SH   SOLE NONE 4,960 0 200
DSKTOP METAL INC COM CL A 25058X105 4,878 1,029,269 SH   SOLE NONE 0 0 1,029,269
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 4,903 105,525 SH   SOLE NONE 105,525 0 0
EXXON MOBIL CORP COM 30231G102 208 2,539 SH   SOLE NONE 0 0 2,539
FNB CORP COM 302520101 226 18,198 SH   SOLE NONE 0 0 18,198
FIFTH THIRD BANCORP COM 316773100 246 5,738 SH   SOLE NONE 0 0 5,738
ISHARES TR RUS 1000 GRW ETF 464287614 533 1,930 SH   SOLE NONE 1,930 0 0
ISHARES NEW ISHARES GOLD TR 464285204 1,234 33,723 SH   SOLE NONE 27,913 0 5,810
ISHARES TR MSCI EAFE ETF 464287465 338 4,612 SH   SOLE NONE 4,612 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 352 7,820 SH   SOLE NONE 7,820 0 0
ISHARES TR MSCI KLD400 SOC 464288570 3,038 35,108 SH   SOLE NONE 35,108 0 0
ISHARES TR RUS 1000 ETF 464287622 239 958 SH   SOLE NONE 958 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 354 2,146 SH   SOLE NONE 2,146 0 0
ISHARES TR RUS 3000 ETF 464287689 612 2,333 SH   SOLE NONE 2,333 0 0
ISHARES TR CORE S&P 500 ETF 464287200 629 1,394 SH   SOLE NONE 1,394 0 0
ISHARES TR TIPS BD ETF 464287176 1,858 14,991 SH   SOLE NONE 12,800 0 2,191
MICROSOFT CORP COM 594918104 407 1,329 SH   SOLE NONE 337 0 992
PINNACLE FINL PARTNERS INC COM 72346q104 406 4,425 SH   SOLE NONE 200 0 4,225
SPR SRS TRST DJ REIT ETF 78464A607 1,054 8,995 SH   SOLE NONE 8,995 0 0
SPDR SER TR S&P DIVID ETF 78464A763 207 1,622 SH   SOLE NONE 1,622 0 0
VALLEY NATL BANCORP COM 919794107 437 33,574 SH   SOLE NONE 0 0 33,574
VGRD SPEC PORT DIV APP ETF 921908844 15,066 92,926 SH   SOLE NONE 92,926 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 332 6,963 SH   SOLE NONE 6,963 0 0
VGRD INTL EQ IDX SM CP VAL ETF 922908611 517 2,953 SH   SOLE NONE 2,067 0 886
VGRD IDX FDS LG CP ETF 922908637 13,458 64,564 SH   SOLE NONE 64,564 0 0
VGRD WRLD FD MEGA CP IDX 921910873 725 4,560 SH   SOLE NONE 4,560 0 0
VRGD IDX FDS MD CP ETF 922908629 6,123 25,754 SH   SOLE NONE 25,754 0 0
VGRD IDX FDS REAL ESTATE ETF 922908553 107,622 994,641 SH   SOLE NONE 906,154 0 88,487
VGRD IDX FDS S&P 500 ETF SHS 922908363 259 628 SH   SOLE NONE 0 0 628
VGRD IDX FDS SM CP ETF 922908751 1,225 5,772 SH   SOLE NONE 5,772 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769 215,624 947,666 SH   SOLE NONE 806,336 0 141,330