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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   44,371,949 1,275,056 SH   SOLE   1,203,278 0 71,778
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   41,257,890 852,964 SH   SOLE   721,203 0 131,761
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   21,000,631 816,192 SH   SOLE   676,802 0 139,390
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   18,126,536 267,156 SH   SOLE   236,550 0 30,606
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   18,081,267 378,111 SH   SOLE   344,976 0 33,135
MCCORMICK & CO INC COM NON VTG 579780206   15,435,318 185,498 SH   OTR   159,280 0 26,218
APPLE INC COM 037833100   13,660,015 82,838 SH   OTR   81,324 0 1,514
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   11,675,722 159,592 SH   SOLE   147,125 0 12,467
10X GENOMICS INC CL A COM 88025U109   8,728,737 156,457 SH   OTR   156,457 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,193,985 70,427 SH   SOLE   57,679 0 12,748
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   5,109,428 151,570 SH   SOLE   145,809 0 5,761
MICROSOFT CORP COM 594918104   4,838,771 16,784 SH   OTR   8,654 0 8,130
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   3,579,280 35,671 SH   SOLE   29,877 0 5,794
MCDONALDS CORP COM 580135101   3,214,191 11,495 SH   OTR   11,453 0 42
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,932,165 61,278 SH   SOLE   61,248 0 30
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,511,061 49,793 SH   SOLE   47,333 0 2,460
180 DEGREE CAP CORP COM NEW 68235B208   2,509,653 498,927 SH   SOLE   481,826 0 17,101
ISHARES TR CORE S&P500 ETF 464287200   2,491,464 6,061 SH   SOLE   5,059 0 1,002
PATRICK INDS INC COM 703343103   2,445,428 35,539 SH   OTR   35,539 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   2,005,872 40,222 SH   SOLE   37,567 0 2,655
SPDR SER TR PORTFOLIO S&P500 78464A854   1,963,654 40,782 SH   SOLE   37,194 0 3,588
UNITED PARCEL SERVICE INC CL B 911312106   1,735,435 8,946 SH   OTR   8,889 0 57
LOCKHEED MARTIN CORP COM 539830109   1,656,045 3,503 SH   OTR   3,503 0 0
AMAZON COM INC COM 023135106   1,579,276 15,290 SH   OTR   13,019 0 2,271
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,542,756 48,031 SH   SOLE   46,893 0 1,138
PNC FINL SVCS GROUP INC COM 693475105   1,223,592 9,627 SH   OTR   8,127 0 1,500
ISHARES TR CORE S&P TTL STK 464287150   1,192,635 13,171 SH   SOLE   13,171 0 0
PROCTER AND GAMBLE CO COM 742718109   1,156,129 7,775 SH   OTR   7,441 0 334
ISHARES TR CORE US AGGBD ET 464287226   1,028,883 10,326 SH   SOLE   10,326 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,024,453 2,819 SH   OTR   2,594 0 225
VISA INC COM CL A 92826C839   988,643 4,385 SH   OTR   3,901 0 484
ISHARES TR S&P SML 600 GWT 464287887   970,533 8,828 SH   SOLE   8,031 0 797
SPDR SER TR PORTFOLIO S&P400 78464A847   949,148 21,601 SH   SOLE   19,891 0 1,710
DOCUSIGN INC COM 256163106   925,921 15,882 SH   OTR   15,849 0 33
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   924,767 2,995 SH   OTR   2,995 0 0
DANAHER CORPORATION COM 235851102   897,334 3,560 SH   OTR   3,259 0 301
FASTENAL CO COM 311900104   875,986 16,240 SH   OTR   15,490 0 750
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   838,331 2,229 SH   SOLE   2,039 0 190
NVIDIA CORPORATION COM 67066G104   828,876 2,984 SH   OTR   1,768 0 1,216
HEWLETT PACKARD ENTERPRISE C COM 42824C109   808,002 50,722 SH   OTR   50,686 0 36
ALPHABET INC CAP STK CL C 02079K107   804,755 7,738 SH   OTR   7,336 0 402
ALLY FINL INC COM 02005N100   746,241 29,276 SH   SOLE   28,857 0 419
JPMORGAN CHASE & CO COM 46625H100   717,096 5,503 SH   SOLE   5,252 0 251
RAYTHEON TECHNOLOGIES CORP COM 75513E101   672,682 6,869 SH   OTR   5,757 0 1,112
DIGITALBRIDGE GROUP INC NOTE 5.000% 4/1 19624RAA4   666,847 643,000 SH   OTR   543,000 0 100,000
TESLA INC COM 88160R101   664,716 3,204 SH   OTR   3,204 0 0
TRANSDIGM GROUP INC COM 893641100   664,083 901 SH   OTR   794 0 107
KIMBERLY-CLARK CORP COM 494368103   638,217 4,755 SH   OTR   4,755 0 0
SCHWAB CHARLES CORP COM 808513105   633,054 12,086 SH   OTR   3,257 0 8,829
MERCK & CO INC COM 58933Y105   609,509 5,729 SH   OTR   5,653 0 76
ISHARES TR CORE MSCI TOTAL 46432F834   601,343 9,707 SH   SOLE   9,707 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   591,835 12,098 SH   SOLE   12,098 0 0
HOME DEPOT INC COM 437076102   587,776 1,992 SH   OTR   1,608 0 384
S&P GLOBAL INC COM 78409V104   586,109 1,700 SH   SOLE   1,492 0 208
VANGUARD WORLD FDS INF TECH ETF 92204A702   576,278 1,495 SH   SOLE   1,495 0 0
VULCAN MATLS CO COM 929160109   573,182 3,341 SH   OTR   2,931 0 410
CHEVRON CORP NEW COM 166764100   572,203 3,507 SH   OTR   3,471 0 36
COSTCO WHSL CORP NEW COM 22160K105   572,120 1,151 SH   OTR   1,105 0 46
ISHARES TR CORE S&P MCP ETF 464287507   558,608 2,233 SH   SOLE   2,233 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   548,128 951 SH   OTR   823 0 128
ANSYS INC COM 03662Q105   546,791 1,643 SH   OTR   1,447 0 196
QUALCOMM INC COM 747525103   514,531 4,033 SH   OTR   3,584 0 449
UNITEDHEALTH GROUP INC COM 91324P102   513,233 1,086 SH   OTR   1,042 0 44
JOHNSON & JOHNSON COM 478160104   512,007 3,303 SH   OTR   3,266 0 37
ACNB CORP COM 000868109   508,171 15,612 SH   OTR   15,612 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   502,765 1,968 SH   OTR   1,744 0 224
SPDR SER TR PRTFLO S&P500 HI 78468R788   500,422 13,169 SH   SOLE   13,116 0 53
TJX COS INC NEW COM 872540109   487,008 6,215 SH   OTR   6,107 0 108
CBRE GROUP INC CL A 12504L109   486,371 6,680 SH   OTR   5,863 0 817
AT&T INC COM 00206R102   484,628 25,175 SH   OTR   25,147 0 28
CATERPILLAR INC COM 149123101   480,564 2,100 SH   OTR   2,100 0 0
ALPHABET INC CAP STK CL A 02079K305   479,337 4,621 SH   OTR   4,260 0 361
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   460,985 9,827 SH   SOLE   9,827 0 0
BIO-TECHNE CORP COM 09073M104   455,601 6,141 SH   OTR   5,391 0 750
MCCORMICK & CO INC COM VTG 579780107   451,512 5,466 SH   OTR   5,466 0 0
GUIDEWIRE SOFTWARE INC COM 40171V100   451,029 5,497 SH   OTR   4,827 0 670
CSX CORP COM 126408103   447,930 14,961 SH   OTR   14,777 0 184
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   442,883 9,077 SH   SOLE   9,077 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   441,974 11,365 SH   OTR   11,343 0 22
ISHARES TR SELECT DIVID ETF 464287168   440,301 3,757 SH   SOLE   3,757 0 0
HEICO CORP NEW CL A 422806208   438,006 3,223 SH   OTR   2,828 0 395
ECOLAB INC COM 278865100   426,737 2,578 SH   OTR   2,265 0 313
MOODYS CORP COM 615369105   416,679 1,362 SH   OTR   1,199 0 163
LENDINGTREE INC NOTE 0.500% 7/1 52603BAD9   407,159 542,000 SH   OTR   516,000 0 26,000
ABBVIE INC COM 00287Y109   400,666 2,514 SH   OTR   2,480 0 34
EXXON MOBIL CORP COM 30231G102   398,928 3,638 SH   OTR   3,512 0 126
WASTE CONNECTIONS INC COM 94106B101   396,211 2,849 SH   OTR   2,495 0 354
ILLUMINA INC COM 452327109   393,475 1,692 SH   OTR   1,488 0 204
DOLLAR GEN CORP NEW COM 256677105   371,041 1,763 SH   OTR   1,548 0 215
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   367,831 11,877 SH   SOLE   9,430 0 2,447
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   340,160 1,426 SH   SOLE   1,426 0 0
EXELON CORP COM 30161N101   339,049 8,094 SH   OTR   8,094 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   336,290 2,249 SH   SOLE   2,249 0 0
VEEVA SYS INC CL A COM 922475108   323,838 1,762 SH   OTR   1,555 0 207
AXSOME THERAPEUTICS INC COM 05464T104   321,970 5,220 SH   OTR   5,220 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   311,294 1,634 SH   SOLE   1,634 0 0
BECTON DICKINSON & CO COM 075887109   309,425 1,250 SH   OTR   1,182 0 68
AMERICAN TOWER CORP NEW COM 03027X100   290,776 1,423 SH   OTR   1,300 0 123
HERSHEY CO COM 427866108   290,746 1,143 SH   OTR   1,143 0 0
SITEONE LANDSCAPE SUPPLY INC COM 82982L103   290,439 2,122 SH   OTR   1,863 0 259
LILLY ELI & CO COM 532457108   281,673 820 SH   OTR   738 0 82
WESBANCO INC COM 950810101   280,199 9,127 SH   OTR   9,127 0 0
CARMAX INC COM 143130102   279,233 4,344 SH   OTR   3,819 0 525
ROYALTY PHARMA PLC SHS CLASS A G7709Q104   263,019 7,300 SH   OTR   7,300 0 0
COSTAR GROUP INC COM 22160N109   259,152 3,764 SH   OTR   3,305 0 459
ABBOTT LABS COM 002824100   258,470 2,553 SH   OTR   2,544 0 9
VAALCO ENERGY INC COM NEW 91851C201   258,210 57,000 SH   SOLE   57,000 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   245,505 4,435 SH   SOLE   3,761 0 674
ISHARES TR MSCI ACWI ETF 464288257   243,398 2,670 SH   SOLE   2,670 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   233,575 3,370 SH   OTR   3,160 0 210
PEPSICO INC COM 713448108   226,867 1,244 SH   OTR   1,162 0 82
LINDE PLC SHS G54950103   226,416 637 SH   OTR   632 0 5
OLD DOMINION FREIGHT LINE IN COM 679580100   225,637 662 SH   OTR   582 0 80
VERISK ANALYTICS INC COM 92345Y106   214,884 1,120 SH   OTR   984 0 136
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   209,320 4,465 SH   OTR   3,923 0 542
CROWDSTRIKE HLDGS INC CL A 22788C105   208,361 1,518 SH   OTR   1,358 0 160
WEST PHARMACEUTICAL SVSC INC COM 955306105   207,536 599 SH   OTR   526 0 73
CONSTELLATION ENERGY CORP COM 21037T109   207,486 2,643 SH   OTR   2,643 0 0
AMETEK INC COM 031100100   204,044 1,404 SH   OTR   1,404 0 0
WORKDAY INC CL A 98138H101   201,377 975 SH   OTR   975 0 0
YEXT INC COM 98585N106   144,150 15,000 SH   OTR   15,000 0 0
UNDER ARMOUR INC CL A 904311107   96,789 10,199 SH   OTR   8,813 0 1,386
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   13,300 10,000 SH   OTR   10,000 0 0
TERAWULF INC COM 88080T104   9,378 10,000 SH   OTR   10,000 0 0