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
ABBOTT LABS COM 002824100 851 7,344 SH   SOLE 2 0 0 7,344
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 247 1,087 SH   SOLE 2 0 0 1,087
ALPHABET INC CAP STK CL C 02079K107 291 116 SH   DFND 2,3 0 0 116
ALPHABET INC CAP STK CL A 02079K305 745 305 SH   DFND 2,3 0 0 305
AMAZON COM INC COM 023135106 846 246 SH   DFND 3 0 0 246
APPLE INC COM 037833100 3,652 26,663 SH   DFND 2,3 0 0 26,663
AT&T INC COM 00206R102 310 10,747 SH   DFND 2,3 0 0 10,747
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 953 3,428 SH   SOLE 2,3 0 0 3,428
BOEING CO COM 097023105 299 1,246 SH   SOLE 2,3 0 0 1,246
COLGATE PALMOLIVE CO COM 194162103 330 4,065 SH   SOLE 2,3 0 0 4,065
COMCAST CORP NEW CL A 20030N101 402 7,044 SH   SOLE 2,3 0 0 7,044
COMMUNITY BK SYS INC COM 203607106 823 10,883 SH   SOLE 2 0 0 10,883
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106 114 11,728 SH   SOLE 2 0 0 11,728
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 74,115 2,453,319 SH   SOLE 2 0 0 2,453,319
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 212 4,496 SH   SOLE 2 0 0 4,496
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 90,527 3,355,349 SH   SOLE 2 0 0 3,355,349
DISNEY WALT CO COM 254687106 225 1,282 SH   DFND 2,3 0 0 1,282
EXXON MOBIL CORP COM 30231G102 737 11,677 SH   DFND 2,3 0 0 11,677
FACEBOOK INC CL A 30303M102 912 2,622 SH   DFND 2,3 0 0 2,622
FULTON FINL CORP PA COM 360271100 273 17,346 SH   DFND 2,3 0 0 17,346
GENERAL ELECTRIC CO COM 369604103 295 21,971 SH   DFND 2,3 0 0 21,971
HOME DEPOT INC COM 437076102 1,550 4,862 SH   DFND 2,3 0 0 4,862
INVESCO QQQ TR UNIT SER 1 46090E103 253 715 SH   SOLE 2 0 0 715
ISHARES INC ESG AWR MSCI EM 46434G863 4,485 99,337 SH   SOLE 2 0 0 99,337
ISHARES TR CORE S&P TTL STK 464287150 1,364 13,809 SH   SOLE 2 0 0 13,809
ISHARES TR CORE S&P500 ETF 464287200 3,644 8,476 SH   SOLE 2 0 0 8,476
ISHARES TR CORE US AGGBD ET 464287226 54,677 474,095 SH   SOLE 2 0 0 474,095
ISHARES TR RUS 1000 ETF 464287622 230 950 SH   SOLE 2 0 0 950
ISHARES TR RUSSELL 2000 ETF 464287655 7,515 32,765 SH   SOLE 2 0 0 32,765
ISHARES TR SHRT NAT MUN ETF 464288158 10,495 97,334 SH   SOLE 2 0 0 97,334
ISHARES TR NATIONAL MUN ETF 464288414 36,066 307,733 SH   SOLE 2 0 0 307,733
ISHARES TR EAFE GRWTH ETF 464288885 4,517 42,109 SH   SOLE 2 0 0 42,109
ISHARES TR MSCI USA MIN VOL 46429B697 586 7,963 SH   SOLE 2 0 0 7,963
ISHARES TR MSCI USA QLT FCT 46432F339 16,848 126,800 SH   SOLE 2 0 0 126,800
ISHARES TR MSCI USA VALUE 46432F388 4,855 46,208 SH   SOLE 2 0 0 46,208
ISHARES TR MSCI USA MMENTM 46432F396 4,227 24,372 SH   SOLE 2 0 0 24,372
ISHARES TR CORE MSCI TOTAL 46432F834 11,297 154,114 SH   SOLE 2 0 0 154,114
JOHNSON & JOHNSON COM 478160104 267 1,618 SH   DFND 2,3 0 0 1,618
JPMORGAN CHASE & CO COM 46625H100 335 2,154 SH   DFND 2,3 0 0 2,154
LOCKHEED MARTIN CORP COM 539830109 1,141 3,015 SH   DFND 2,3 0 0 3,015
LOWES COS INC COM 548661107 303 1,564 SH   DFND 2,3 0 0 1,564
MCDONALDS CORP COM 580135101 288 1,248 SH   SOLE 2 0 0 1,248
MERIDIAN CORPORATION COM 58958P104 1,782 67,868 SH   SOLE 2 0 0 67,868
MICROSOFT CORP COM 594918104 1,150 4,248 SH   DFND 2,3 0 0 4,248
NEW JERSEY RES CORP COM 646025106 221 5,592 SH   SOLE 2 0 0 5,592
NVIDIA CORPORATION COM 67066G104 275 344 SH   DFND 2,3 0 0 344
PEPSICO INC COM 713448108 299 2,019 SH   DFND 2,3 0 0 2,019
PFIZER INC COM 717081103 300 7,675 SH   DFND 2,3 0 0 7,675
PROCTER AND GAMBLE CO COM 742718109 383 2,839 SH   DFND 2,3 0 0 2,839
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 214 3,580 SH   DFND 2,3 0 0 3,580
S&P GLOBAL INC COM 78409V104 670 1,633 SH   DFND 2,3 0 0 1,633
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,767 132,035 SH   SOLE 2 0 0 132,035
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,260 233,341 SH   SOLE 2 0 0 233,341
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,317 119,034 SH   SOLE 2 0 0 119,034
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 226 2,169 SH   SOLE 2 0 0 2,169
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,385 18,312 SH   SOLE 2 0 0 18,312
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,035 18,955 SH   SOLE 2 0 0 18,955
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,015 273,618 SH   SOLE 2 0 0 273,618
SPDR GOLD TR GOLD SHS 78463V107 312 1,886 SH   SOLE 2 0 0 1,886
SPDR S&P 500 ETF TR TR UNIT 78462F103 393 917 SH   SOLE 2 0 0 917
STARBUCKS CORP COM 855244109 303 2,705 SH   DFND 2,3 0 0 2,705
SUNDIAL GROWERS INC COM 86730L109 11 12,000 SH   SOLE 2 0 0 12,000
TESLA INC COM 88160R101 535 787 SH   DFND 2,3 0 0 787
TEXAS INSTRS INC COM 882508104 1,261 6,562 SH   DFND 2,3 0 0 6,562
VANGUARD BD INDEX FDS INTERMED TERM 921937819 275 3,056 SH   SOLE 2 0 0 3,056
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 306 3,721 SH   SOLE 2 0 0 3,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 374 4,354 SH   SOLE 2 0 0 4,354
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 967 2,457 SH   SOLE 2 0 0 2,457
VANGUARD INDEX FDS MID CAP ETF 922908629 379 1,597 SH   SOLE 2 0 0 1,597
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,120 4,971 SH   SOLE 2 0 0 4,971
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,933 17,650 SH   SOLE 2 0 0 17,650
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,475 39,041 SH   SOLE 2 0 0 39,041
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,108 20,031 SH   SOLE 2 0 0 20,031
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 307 1,986 SH   SOLE 2 0 0 1,986
VANGUARD STAR FDS VG TL INTL STK F 921909768 299 4,559 SH   SOLE 2 0 0 4,559
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 529 10,275 SH   SOLE 2 0 0 10,275
VERTEX INC CL A 92538J106 201 9,172 SH   SOLE 2 0 0 9,172
WELLS FARGO CO NEW COM 949746101 1,843 40,704 SH   DFND 2.3 0 0 40,704