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 260 1,240 SH   SOLE NONE 0 0 1,240
APPLE INC COM 037833100 375 2,438 SH   SOLE NONE 1,439 0 999
AVISTA CORP COM 05379b107 207 4,000 SH   SOLE NONE 0 0 4,000
BRKSHR HTHWY CL A 084670108 274 1 SH   SOLE NONE 1 0 0
BRKSHR HTHWY CL B NEW 084670702 463 2,526 SH   SOLE NONE 2,489 0 37
CHVRN CORP COM 166764100 290 2,473 SH   SOLE NONE 29 0 2,444
COCA COLA CO COM 191216100 262 5,835 SH   SOLE NONE 5,635 0 200
EXXN MBL CORP COM 30231G102 356 4,346 SH   SOLE NONE 610 0 3,736
FNB CORP PA COM 302520101 255 18,198 SH   SOLE NONE 0 0 18,198
ISHARES TR RUS 1000 GRW ETF 464287614 241 1,930 SH   SOLE NONE 1,930 0 0
ISHARES TR GOLD TRUST ETF 464285105 12,600 1,023,564 SH   SOLE NONE 986,989 0 5,369
ISHARES TR MSCI EAFE IDX 464287465 1,267 18,511 SH   SOLE NONE 11,093 0 7,418
ISHARES TR MSCI EMERG MKT 464287234 413 9,220 SH   SOLE NONE 7,820 0 1,400
ISHARES TR FTSE KLD400 SOC 464288570 3,182 34,272 SH   SOLE NONE 34,272 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 254 2,146 SH   SOLE NONE 2,146 0 0
ISHARES TR RUS 3000 ETF 464287689 2,721 18,230 SH   SOLE NONE 18,230 0 0
ISHARES TR CORE S&P500 ETF 464287200 473 1,874 SH   SOLE NONE 1,334 0 540
ISHARES TR CORE S&P MCP ETF 464287507 269 1,507 SH   SOLE NONE 1,507 0 0
ISHARES TR CORE S&P SMP ETF 464287804 374 5,043 SH   SOLE NONE 5,043 0 0
ISHARES TR TIPS BD ETF 464287176 6,630 58,376 SH   SOLE NONE 57,481 0 895
PWRSHRS ETF TR II S&P 500 LOW VOL 73937B779 329 7,196 SH   SOLE NONE 7,196 0 0
PRCTR & GMBLE COM 742718109 14,012 154,021 SH   SOLE NONE 350 0 153,671
SPR SRS TRST DJ INTL RL ETF 78463X863 8,584 223,678 SH   SOLE NONE 223,678 0 0
SPR SRS TRST DJ REIT ETF 78464A607 874 9,449 SH   SOLE NONE 9,449 0 0
SPDR GLD TRST GOLD SHS 78463V107 453 3,734 SH   SOLE NONE 3,734 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 777 3,095 SH   SOLE NONE 1,865 0 1,230
VGRD SPEC PORT DIV APP ETF 921908844 13,270 139,995 SH   SOLE NONE 139,995 0 0
VGRD TX MNGD FTSE DEV MKT ETF 921943858 553 12,744 SH   SOLE NONE 12,744 0 0
VGRD INTL EQ IDX GLB EX US ETF 922042676 328 5,525 SH   SOLE NONE 5,525 0 0
VGRD INTL EQ IDX SM CP VAL ETF 922908611 2,301 18,009 SH   SOLE NONE 16,601 0 1,408
VGRD IDX FDS LG CP ETF 922908637 11,975 103,778 SH   SOLE NONE 103,778 0 0
VGRD WRLD FD MEGA CP IDX 921910873 860 9,975 SH   SOLE NONE 9,975 0 0
VRGD IDX FDS MD CP ETF 922908629 5,275 35,890 SH   SOLE NONE 35,890 0 0
VGRD IDX FDS REIT ETF 922908553 69,523 836,724 SH   SOLE NONE 812,308 0 10,195
VGRD IDX FDS S&P 500 ETF 922908363 986 4,276 SH   SOLE NONE 3,660 0 616
VGRD IDX FDS SM CP ETF 922908751 862 6,105 SH   SOLE NONE 6,105 0 0
VGRD IDX FDS TOT STK MKT ETF 922908769 117,494 907,154 SH   SOLE NONE 857,409 0 25,292