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 233 1,423 SH   SOLE NONE 0 0 1,423
APPLE INC COM 037833100 530 2,378 SH   SOLE NONE 1,439 0 939
BRKSHR HTHWY CL A 084670108 934 3 SH   SOLE NONE 1 0 2
BRKSHR HTHWY CL B NEW 084670702 739 3,579 SH   SOLE NONE 2,322 0 1,257
CHVRN CORP COM 166764100 385 3,293 SH   SOLE NONE 820 0 2,473
COCA COLA CO COM 191216100 418 7,750 SH   SOLE NONE 7,550 0 200
EXXN MBL CORP COM 30231G102 241 3,449 SH   SOLE NONE 160 0 3,289
FNB CORP PA COM 302520101 209 18,198 SH   SOLE NONE 0 0 18,198
INTEL CORP COM 458140100 252 4,928 SH   SOLE NONE 2,328 0 2,600
ISHARES TR RUS 1000 GRW ETF 464287614 305 1,930 SH   SOLE NONE 1,930 0 0
ISHARES TR GOLD TRUST ETF 464285105 633 45,293 SH   SOLE NONE 40,971 0 4,322
ISHARES TR MSCI EAFE ETF 464287465 397 6,112 SH   SOLE NONE 6,112 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 319 7,820 SH   SOLE NONE 7,820 0 0
ISHARES TR FTSE KLD400 SOC 464288570 2,274 20,544 SH   SOLE NONE 20,544 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 274 2,146 SH   SOLE NONE 2,146 0 0
ISHARES TR RUS 3000 ETF 464287689 405 2,333 SH   SOLE NONE 2,333 0 0
ISHARES TR CORE S&P 500 ETF 464287200 400 1,347 SH   SOLE NONE 1,347 0 0
ISHARES TR CORE S&P MCP ETF 464287507 274 1,422 SH   SOLE NONE 1,422 0 0
ISHARES TR CORE S&P SMP ETF 464287804 391 5,060 SH   SOLE NONE 5,060 0 0
ISHARES TR TIPS BD ETF 464287176 2,546 21,956 SH   SOLE NONE 21,522 0 434
ISHARES TR CORE MSCI EAFE 46432F842 1,126 18,532 SH   SOLE NONE 18,532 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 222 3,850 SH   SOLE NONE 3,850 0 0
JHNSON & JHNSON COM 478160104 220 1,729 SH   SOLE NONE 1,579 0 150
MICROSOFT CORP COM 594918104 340 2,473 SH   SOLE NONE 1,481 0 992
PINCLE FINL PART INC COM 72346q104 204 3,600 SH   SOLE NONE 3,600 0 0
SPR SRS TRST DJ INTL RL ETF 78463X863 3,945 100,341 SH   SOLE NONE 100,341 0 0
SPR SRS TRST DJ REIT ETF 78464A607 986 9,449 SH   SOLE NONE 9,449 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 703 2,370 SH   SOLE NONE 1,140 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 16,103 134,691 SH   SOLE NONE 134,691 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 274 6,731 SH   SOLE NONE 6,731 0 0
VGRD INTL EQ IDX GLB EX US ETF 922042676 460 7,912 SH   SOLE NONE 6,612 0 1,300
VRGD IDX FDS GROWTH ETF 922908736 1,236 7,466 SH   SOLE NONE 7,466 0 0
VGRD INTL EQ IDX SM CP VAL ETF 922908611 1,885 14,654 SH   SOLE NONE 13,724 0 930
VGRD IDX FDS LG CP ETF 922908637 12,726 93,367 SH   SOLE NONE 93,367 0 0
VGRD WRLD FD MEGA CP IDX 921910873 617 5,990 SH   SOLE NONE 5,990 0 0
VRGD IDX FDS MD CP ETF 922908629 6,277 37,476 SH   SOLE NONE 37,476 0 0
VGRD IDX FDS REAL ESTATE ETF 922908553 77,612 833,945 SH   SOLE NONE 788,409 0 20,446
VGRD IDX FDS SM CP ETF 922908751 887 5,772 SH   SOLE NONE 5,772 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769 137,384 910,600 SH   SOLE NONE 850,080 0 17,714
VGRD IDX FDS VALUE ETF 922908744 1,401 12,591 SH   SOLE NONE 12,591 0 0