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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,817 555,684 SH   SOLE   535,752 0 19,932
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 17,680 743,491 SH   SOLE   719,100 0 24,391
SPDR SER TR PRTFLO S&P500 GW 78464A409 15,195 290,646 SH   SOLE   287,588 0 3,058
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,973 238,684 SH   SOLE   233,209 0 5,475
MCCORMICK & CO INC COM NON VTG 579780206 13,518 162,381 SH   OTR   162,381 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,815 407,465 SH   SOLE   403,099 0 4,366
APPLE INC COM 037833100 11,415 83,490 SH   OTR   83,378 0 112
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7,922 153,521 SH   SOLE   152,252 0 1,269
10X GENOMICS INC CL A COM 88025U109 7,011 154,942 SH   OTR   154,942 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,769 152,701 SH   SOLE   151,434 0 1,267
MICROSOFT CORP COM 594918104 4,322 16,828 SH   OTR   16,792 0 36
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,944 55,937 SH   SOLE   54,162 0 1,775
180 DEGREE CAP CORP COM NEW 68235B208 3,293 537,191 SH   SOLE   536,725 0 466
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,092 69,977 SH   SOLE   69,973 0 4
MCDONALDS CORP COM 580135101 2,831 11,469 SH   OTR   11,469 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 2,694 26,169 SH   SOLE   25,251 0 918
SPDR SER TR PORTFOLIO S&P500 78464A854 2,092 47,188 SH   SOLE   47,074 0 114
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,045 70,909 SH   SOLE   70,517 0 392
ISHARES TR CORE S&P500 ETF 464287200 1,939 5,113 SH   SOLE   5,113 0 0
PATRICK INDS INC COM 703343103 1,842 35,530 SH   OTR   35,530 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 1,720 37,399 SH   SOLE   36,963 0 436
ISHARES TR CORE S&P TTL STK 464287150 1,640 19,570 SH   SOLE   19,570 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,637 8,967 SH   OTR   8,967 0 0
LOCKHEED MARTIN CORP COM 539830109 1,632 3,795 SH   OTR   3,795 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,585 10,045 SH   OTR   10,045 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,318 23,107 SH   SOLE   23,107 0 0
AMAZON COM INC COM 023135106 1,275 12,008 SH   OTR   11,800 0 208
PROCTER AND GAMBLE CO COM 742718109 1,190 8,275 SH   OTR   8,275 0 0
ALPHABET INC CAP STK CL C 02079K107 1,173 536 SH   OTR   521 0 15
ALLY FINL INC COM 02005N100 1,130 33,720 SH   SOLE   33,720 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,093 10,378 SH   SOLE   10,378 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,069 26,925 SH   SOLE   26,903 0 22
ISHARES TR CORE US AGGBD ET 464287226 1,050 10,326 SH   SOLE   10,326 0 0
VISA INC COM CL A 92826C839 1,017 5,166 SH   OTR   4,991 0 175
MASTERCARD INCORPORATED CL A 57636Q104 911 2,887 SH   OTR   2,802 0 85
DOCUSIGN INC COM 256163106 909 15,849 SH   OTR   15,849 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 883 3,235 SH   OTR   3,235 0 0
DANAHER CORPORATION COM 235851102 853 3,364 SH   OTR   3,264 0 100
MERCK & CO INC COM 58933Y105 804 8,820 SH   OTR   8,820 0 0
FASTENAL CO COM 311900104 786 15,751 SH   OTR   15,486 0 265
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 751 15,154 SH   SOLE   15,154 0 0
JOHNSON & JOHNSON COM 478160104 703 3,963 SH   OTR   3,963 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 693 52,236 SH   OTR   52,236 0 0
TESLA INC COM 88160R101 685 1,017 SH   OTR   1,017 0 0
KIMBERLY-CLARK CORP COM 494368103 643 4,755 SH   OTR   4,755 0 0
JPMORGAN CHASE & CO COM 46625H100 616 5,469 SH   OTR   5,469 0 0
ISHARES TR CORE S&P MCP ETF 464287507 602 2,662 SH   SOLE   2,662 0 0
CSX CORP COM 126408103 594 20,432 SH   OTR   20,432 0 0
DIGITALBRIDGE GROUP INC NOTE 5.000% 4/1 19624RAA4 588 591,000 SH   OTR   576,000 0 15,000
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 588 1,694 SH   OTR   1,694 0 0
UNITEDHEALTH GROUP INC COM 91324P102 572 1,114 SH   OTR   1,114 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 553 5,757 SH   OTR   5,757 0 0
ABBVIE INC COM 00287Y109 532 3,476 SH   OTR   3,476 0 0
COSTCO WHSL CORP NEW COM 22160K105 529 1,103 SH   OTR   1,103 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 525 10,337 SH   OTR   10,337 0 0
QUALCOMM INC COM 747525103 523 4,093 SH   OTR   3,949 0 144
ALPHABET INC CAP STK CL A 02079K305 521 239 SH   OTR   239 0 0
HOME DEPOT INC COM 437076102 515 1,879 SH   OTR   1,879 0 0
ACNB CORP COM 000868109 484 16,312 SH   OTR   16,312 0 0
AMERICAN TOWER CORP NEW COM 03027X100 483 1,888 SH   OTR   1,822 0 66
AT&T INC COM 00206R102 483 23,032 SH   OTR   23,018 0 14
VANGUARD WORLD FDS INF TECH ETF 92204A702 475 1,454 SH   SOLE   1,454 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 470 9,827 SH   SOLE   9,827 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 470 865 SH   OTR   824 0 41
S&P GLOBAL INC COM 78409V104 465 1,380 SH   SOLE   1,315 0 65
CHEVRON CORP NEW COM 166764100 464 3,205 SH   OTR   3,205 0 0
MCCORMICK & CO INC COM VTG 579780107 462 5,566 SH   OTR   5,566 0 0
HEICO CORP NEW CL A 422806208 457 4,335 SH   OTR   4,133 0 202
INTUITIVE SURGICAL INC COM NEW 46120E602 456 2,270 SH   OTR   2,173 0 97
SPDR SER TR PORTFLI INTRMDIT 78464A672 456 15,471 SH   SOLE   15,467 0 4
TRANSDIGM GROUP INC COM 893641100 447 833 SH   OTR   795 0 38
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 440 8,936 SH   SOLE   8,936 0 0
BIO-TECHNE CORP COM 09073M104 413 1,190 SH   OTR   1,135 0 55
ISHARES TR RUS 1000 GRW ETF 464287614 411 1,878 SH   SOLE   1,878 0 0
VAALCO ENERGY INC COM NEW 91851C201 396 57,000 SH   OTR   57,000 0 0
CBRE GROUP INC CL A 12504L109 391 5,311 SH   OTR   5,063 0 248
WASTE CONNECTIONS INC COM 94106B101 391 3,152 SH   OTR   3,005 0 147
CATERPILLAR INC COM 149123101 375 2,100 SH   OTR   2,100 0 0
LENDINGTREE INC NOTE 0.500% 7/1 52603BAD9 369 542,000 SH   OTR   542,000 0 0
ANSYS INC COM 03662Q105 363 1,517 SH   OTR   1,447 0 70
CARMAX INC COM 143130102 363 4,008 SH   OTR   3,822 0 186
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 362 12,509 SH   SOLE   12,509 0 0
MARKEL CORP COM 570535104 341 264 SH   OTR   252 0 12
TJX COS INC NEW COM 872540109 341 6,107 SH   OTR   6,107 0 0
CABLE ONE INC COM 12685J105 339 263 SH   OTR   251 0 12
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 334 1,420 SH   OTR   1,420 0 0
HERSHEY CO COM 427866108 332 1,544 SH   OTR   1,544 0 0
NVIDIA CORPORATION COM 67066G104 329 2,169 SH   OTR   2,169 0 0
EXELON CORP COM 30161N101 327 7,207 SH   OTR   7,207 0 0
EXXON MOBIL CORP COM 30231G102 326 3,805 SH   OTR   3,805 0 0
COSTAR GROUP INC COM 22160N109 314 5,197 SH   OTR   4,953 0 244
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 309 2,247 SH   OTR   2,247 0 0
ROYALTY PHARMA PLC SHS CLASS A G7709Q104 307 7,300 SH   OTR   7,300 0 0
ECOLAB INC COM 278865100 301 1,956 SH   OTR   1,865 0 91
DOLLAR GEN CORP NEW COM 256677105 300 1,221 SH   OTR   1,164 0 57
BECTON DICKINSON & CO COM 075887109 290 1,177 SH   OTR   1,177 0 0
WESBANCO INC COM 950810101 289 9,127 SH   OTR   9,127 0 0
ILLUMINA INC COM 452327109 288 1,563 SH   OTR   1,490 0 73
M & T BK CORP COM 55261F104 286 1,794 SH   OTR   1,794 0 0
VULCAN MATLS CO COM 929160109 282 1,984 SH   OTR   1,891 0 93
ABBOTT LABS COM 002824100 276 2,542 SH   OTR   2,542 0 0
TELEFLEX INCORPORATED COM 879369106 269 1,093 SH   OTR   1,043 0 50
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 267 1,634 SH   SOLE   1,634 0 0
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 264 6,092 SH   OTR   5,833 0 259
ISHARES TR 3 7 YR TREAS BD 464288661 248 2,081 SH   OTR   2,081 0 0
PEPSICO INC COM 713448108 245 1,470 SH   OTR   1,470 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 243 3,160 SH   OTR   3,160 0 0
ISHARES TR MSCI ACWI ETF 464288257 243 2,900 SH   SOLE   2,900 0 0
VERISK ANALYTICS INC COM 92345Y106 242 1,400 SH   OTR   1,335 0 65
INTERNATIONAL BUSINESS MACHS COM 459200101 240 1,701 SH   OTR   1,701 0 0
VEEVA SYS INC CL A COM 922475108 236 1,193 SH   OTR   1,137 0 56
ISHARES TR EAFE SML CP ETF 464288273 235 4,302 SH   SOLE   4,302 0 0
CISCO SYS INC COM 17275R102 232 5,445 SH   OTR   5,445 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 222 5,554 SH   SOLE   5,554 0 0
GUIDEWIRE SOFTWARE INC COM 40171V100 217 3,061 SH   OTR   2,918 0 143
BLACKLINE INC COM 09239B109 215 3,224 SH   OTR   3,075 0 149
SBA COMMUNICATIONS CORP NEW CL A 78410G104 211 659 SH   OTR   628 0 31
DOMINION ENERGY INC COM 25746U109 204 2,560 SH   OTR   2,560 0 0
IDEXX LABS INC COM 45168D104 201 572 SH   OTR   546 0 26
AXSOME THERAPEUTICS INC COM 05464T104 200 5,220 SH   OTR   5,220 0 0
YEXT INC COM 98585N106 72 15,000 SH   OTR   15,000 0 0
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100 24 10,000 SH   OTR   10,000 0 0
TERAWULF INC COM 88080T104 12 10,000 SH   OTR   10,000 0 0