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
ALPHABET INC CAP STK CL C 02079K107 249 89 SH   DFND 3 0 0 89
ALPHABET INC CAP STK CL A 02079K305 278 100 SH   DFND 3 0 0 100
AMAZON COM INC COM 023135106 424 130 SH   DFND 3 0 0 130
AMAZON COM INC COM 023135106 591 181 SH   SOLE 2 0 0 181
TESLA INC COM 88160R101 237 220 SH   DFND 3 0 0 220
ALPHABET INC CAP STK CL A 02079K305 659 237 SH   SOLE 1 0 0 237
TESLA INC COM 88160R101 629 584 SH   SOLE 1 0 0 584
INVESCO QQQ TR UNIT SER 1 46090E103 254 700 SH   SOLE 2 0 0 700
ISHARES TR RUS 1000 ETF 464287622 238 950 SH   SOLE 2 0 0 950
SPDR S&P 500 ETF TR TR UNIT 78462F103 446 987 SH   SOLE 2 0 0 987
BOEING CO COM 097023105 213 1,108 SH   SOLE 1 0 0 1,108
JOHNSON & JOHNSON COM 478160104 206 1,164 SH   SOLE 2 0 0 1,164
MCDONALDS CORP COM 580135101 309 1,250 SH   SOLE 2 0 0 1,250
PNC FINL SVCS GROUP INC COM 693475105 245 1,332 SH   SOLE 1 0 0 1,332
LOWES COS INC COM 548661107 275 1,357 SH   SOLE 1 0 0 1,357
VANGUARD INDEX FDS MID CAP ETF 922908629 370 1,555 SH   SOLE 2 0 0 1,555
PEPSICO INC COM 713448108 262 1,566 SH   SOLE 2 0 0 1,566
JPMORGAN CHASE & CO COM 46625H100 214 1,576 SH   SOLE 1 0 0 1,576
S&P GLOBAL INC COM 78409V104 660 1,608 SH   SOLE 1 0 0 1,608
SPDR GOLD TR GOLD SHS 78463V107 344 1,904 SH   SOLE 2 0 0 1,904
META PLATFORMS INC CL A 30303M102 449 2,020 SH   SOLE 2 0 0 2,020
MICROSOFT CORP COM 594918104 659 2,136 SH   SOLE 2 0 0 2,136
STARBUCKS CORP COM 855244109 204 2,234 SH   SOLE 2 0 0 2,234
GENERAL ELECTRIC CO COM NEW 369604301 208 2,269 SH   SOLE 2 0 0 2,269
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 987 2,378 SH   SOLE 2 0 0 2,378
MICROSOFT CORP COM 594918104 756 2,451 SH   DFND 3 0 0 2,451
DUKE ENERGY CORP NEW COM NEW 26441C204 305 2,740 SH   SOLE 1 0 0 2,740
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,082 3,063 SH   SOLE 1 0 0 3,063
VANGUARD BD INDEX FDS INTERMED TERM 921937819 256 3,127 SH   SOLE 2 0 0 3,127
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 553 3,406 SH   SOLE 2 0 0 3,406
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 275 3,529 SH   SOLE 2 0 0 3,529
ABBVIE INC COM 00287Y109 578 3,563 SH   SOLE 2 0 0 3,563
PROCTER AND GAMBLE CO COM 742718109 547 3,579 SH   SOLE 2 0 0 3,579
TRUIST FINL CORP COM 89832Q109 213 3,766 SH   SOLE 1 0 0 3,766
PROLOGIS INC. COM 74340W103 652 4,033 SH   SOLE 1 0 0 4,033
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 212 4,475 SH   SOLE 2 0 0 4,475
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 220 4,496 SH   SOLE 2 0 0 4,496
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 372 4,677 SH   SOLE 2 0 0 4,677
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,141 5,370 SH   SOLE 2 0 0 5,370
HOME DEPOT INC COM 437076102 1,612 5,385 SH   SOLE 2 0 0 5,385
VANGUARD STAR FDS VG TL INTL STK F 921909768 326 5,453 SH   SOLE 2 0 0 5,453
NEW JERSEY RES CORP COM 646025106 256 5,592 SH   SOLE 2 0 0 5,592
APPLE INC COM 037833100 999 5,722 SH   DFND 3 0 0 5,722
COMCAST CORP NEW CL A 20030N101 287 6,131 SH   SOLE 2 0 0 6,131
TEXAS INSTRS INC COM 882508104 1,135 6,185 SH   SOLE 2 0 0 6,185
SOUTH JERSEY INDS INC COM 838518108 220 6,375 SH   SOLE 2 0 0 6,375
ESSENTIAL UTILS INC COM 29670G102 334 6,539 SH   SOLE 2 0 0 6,539
PFIZER INC COM 717081103 370 7,124 SH   SOLE 2 0 0 7,124
ABBOTT LABS COM 002824100 908 7,671 SH   SOLE 2 0 0 7,671
ISHARES TR 1 3 YR TREAS BD 464287457 643 7,714 SH   SOLE 2 0 0 7,714
EXXON MOBIL CORP COM 30231G102 709 8,577 SH   SOLE 2 0 0 8,577
ISHARES TR CORE S&P500 ETF 464287200 3,956 8,720 SH   SOLE 2 0 0 8,720
ISHARES INC ESG AWR MSCI EM 46434G863 329 8,947 SH   SOLE 2 0 0 8,947
AT&T INC COM 00206R102 248 10,485 SH   SOLE 2 0 0 10,485
COMMUNITY BK SYS INC COM 203607106 763 10,883 SH   SOLE 2 0 0 10,883
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 595 12,388 SH   SOLE 2 0 0 12,388
ISHARES TR CORE S&P TTL STK 464287150 1,391 13,776 SH   SOLE 2 0 0 13,776
SUNDIAL GROWERS INC COM 86730L109 10 14,000 SH   SOLE 2 0 0 14,000
S & T BANCORP INC COM 783859101 422 14,266 SH   SOLE 2 0 0 14,266
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106 61 16,728 SH   SOLE 2 0 0 16,728
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,937 17,292 SH   SOLE 2 0 0 17,292
FULTON FINL CORP PA COM 360271100 288 17,325 SH   SOLE 2 0 0 17,325
PIMCO MUN INCOME FD II COM 72200W106 230 20,000 SH   SOLE 2 0 0 20,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,631 20,671 SH   SOLE 2 0 0 20,671
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,093 21,599 SH   SOLE 2 0 0 21,599
APPLE INC COM 037833100 4,225 24,198 SH   SOLE 2 0 0 24,198
ISHARES TR SHRT NAT MUN ETF 464288158 2,925 27,965 SH   SOLE 2 0 0 27,965
ISHARES TR RUSSELL 2000 ETF 464287655 7,531 36,690 SH   SOLE 2 0 0 36,690
WELLS FARGO CO NEW COM 949746101 1,962 40,495 SH   SOLE 1 0 0 40,495
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,373 41,202 SH   SOLE 2 0 0 41,202
ISHARES TR NATIONAL MUN ETF 464288414 4,546 41,464 SH   SOLE 2 0 0 41,464
KEYCORP COM 493267108 1,003 44,838 SH   SOLE 2 0 0 44,838
ISHARES TR CORE TOTAL USD 46434V613 2,383 48,006 SH   SOLE 2 0 0 48,006
ISHARES TR TIPS BD ETF 464287176 7,857 63,069 SH   SOLE 2 0 0 63,069
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,631 65,690 SH   SOLE 2 0 0 65,690
MERIDIAN CORPORATION COM 58958P104 2,232 69,556 SH   SOLE 2 0 0 69,556
ISHARES TR MSCI USA VALUE 46432F388 10,186 97,411 SH   SOLE 2 0 0 97,411
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,649 114,027 SH   SOLE 2 0 0 114,027
ISHARES TR ISHS 1-5YR INVS 464288646 5,944 114,930 SH   SOLE 2 0 0 114,930
ISHARES TR MSCI USA QLT FCT 46432F339 17,082 126,882 SH   SOLE 2 0 0 126,882
ISHARES TR CORE MSCI TOTAL 46432F834 12,461 187,168 SH   SOLE 2 0 0 187,168
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,347 268,727 SH   SOLE 2 0 0 268,727
ISHARES TR CORE US AGGBD ET 464287226 40,473 377,903 SH   SOLE 2 0 0 377,903
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 28,482 552,512 SH   SOLE 2 0 0 552,512
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,149 559,872 SH   SOLE 2 0 0 559,872
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 27,868 562,540 SH   SOLE 2 0 0 562,540
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 28,787 1,153,763 SH   SOLE 2 0 0 1,153,763
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 79,467 2,521,155 SH   SOLE 2 0 0 2,521,155
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 92,193 3,342,727 SH   SOLE 2 0 0 3,342,727