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
APPLE INC COM 037833100 274 2,638 SH   SOLE NONE 1,739 0 899
BRKSHR HTHWY CL B NEW 084670702 330 2,526 SH   SOLE NONE 2,489 0 37
CHVRN CORP COM 166764100 218 2,473 SH   SOLE NONE 29 0 2,444
EXXN MBL CORP COM 30231G102 303 3,930 SH   SOLE NONE 365 0 3,565
FNB CORP PA COM 302520101 242 18,198 SH   SOLE NONE 0 0 18,198
ISHARES GOLD TRUST ETF 464285105 10,614 1,042,993 SH   SOLE NONE 1,009,311 0 33,682
ISHARES MSCI EAFE IDX 464287465 697 11,893 SH   SOLE NONE 11,893 0 0
ISHARES MSCI EMERG MKT 464287234 306 9,525 SH   SOLE NONE 9,525 0 0
ISHARES FTSE KLD400 SOC 464288570 2,587 34,207 SH   SOLE NONE 34,207 0 0
ISHARES RUSL 3000 464287689 2,377 19,764 SH   SOLE NONE 19,764 0 0
ISHARES TIPS BD ETF 464287176 23,400 214,479 SH   SOLE NONE 211,518 0 2,961
PWRSHRS ETF TR II S&P 500 LOW VOL 73937B779 423 10,974 SH   SOLE NONE 10,974 0 0
PRCTR & GMBLE COM 742718109 14,013 176,514 SH   SOLE NONE 300 0 176,214
SPR SRS TRST DJ INTL RL ETF 78463X863 12,173 312,397 SH   SOLE NONE 310,402 0 1,995
SPR SRS TRST DJ REIT ETF 78464A607 864 9,449 SH   SOLE NONE 9,449 0 0
SPDR GLD TRST GOLD SHS 78463V107 513 5,094 SH   SOLE NONE 5,094 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 397 1,955 SH   SOLE NONE 725 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 12,029 154,729 SH   SOLE NONE 154,729 0 0
VGRD INTL EQ IDX FTSE SMCAP ETF 922042718 551 5,940 SH   SOLE NONE 5,940 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 627 17,214 SH   SOLE NONE 16,597 0 617
VGRD INTL EQ IDX GLB EX US ETF 922042676 3,151 61,703 SH   SOLE NONE 61,703 0 0
VGRD IDX FDS SM CP VAL ETF 922908611 1,873 19,009 SH   SOLE NONE 19,009 0 0
VRGD IDX FDS LG CP ETF 922908637 11,084 118,565 SH   SOLE NONE 118,565 0 0
VRGD IDX FDS MD CP ETF 922908629 4,437 36,960 SH   SOLE NONE 36,960 0 0
VGRD IDX FDS REIT ETF 922908553 65,165 819,133 SH   SOLE NONE 794,383 0 24,750
VGRD IDX FDS S&P 500 ETF 922908363 1,825 9,769 SH   SOLE NONE 9,153 0 616
VGRD IDX FDS SM CP ETF 922908751 683 6,190 SH   SOLE NONE 6,190 0 0
VGRD IDX FDS STK MKT ETF 922908769 107,641 1,033,109 SH   SOLE NONE 1,005,774 0 27,335
VGRD IDX FDS VALUE ETF 922908744 842 10,340 SH   SOLE NONE 10,340 0 0
VGRD WRLD FD MEGA CP IDX 921910873 695 9,975 SH   SOLE NONE 9,975 0 0