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 59 544 SH   DFND 1 0 544 0
ABBOTT LABS COM 002824100 819 7,539 SH   SOLE   0 0 7,539
ABBVIE INC COM 00287Y109 113 735 SH   DFND 1 0 735 0
ABBVIE INC COM 00287Y109 539 3,516 SH   SOLE   0 0 3,516
ALPHABET INC CAP STK CL C 02079K107 223 102 SH   DFND 1 0 102 0
ALPHABET INC CAP STK CL A 02079K305 251 115 SH   DFND 1 0 115 0
ALPHABET INC CAP STK CL C 02079K107 88 40 SH   SOLE   0 0 40
ALPHABET INC CAP STK CL A 02079K305 486 223 SH   SOLE   0 0 223
AMAZON COM INC COM 023135106 306 2,879 SH   DFND 1 0 2,879 0
AMAZON COM INC COM 023135106 344 3,242 SH   SOLE   0 0 3,242
APPLE INC COM 037833100 871 6,372 SH   DFND 1 0 6,372 0
APPLE INC COM 037833100 3,088 22,589 SH   SOLE   0 0 22,589
AT&T INC COM 00206R102 44 2,087 SH   DFND 1 0 2,087 0
AT&T INC COM 00206R102 181 8,637 SH   SOLE   0 0 8,637
CHEVRON CORP NEW COM 166764100 120 826 SH   DFND 1 0 826 0
CHEVRON CORP NEW COM 166764100 134 925 SH   SOLE   0 0 925
COMCAST CORP NEW CL A 20030N101 62 1,570 SH   DFND 1 0 1,570 0
COMCAST CORP NEW CL A 20030N101 237 6,052 SH   SOLE   0 0 6,052
COMMUNITY BK SYS INC COM 203607106 689 10,883 SH   SOLE   0 0 10,883
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106 22 19,728 SH   SOLE   0 0 19,728
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 67,575 2,556,761 SH   SOLE   0 0 2,556,761
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 77,528 3,327,372 SH   SOLE   0 0 3,327,372
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 24,914 1,162,035 SH   SOLE   0 0 1,162,035
DUKE ENERGY CORP NEW COM NEW 26441C204 41 378 SH   DFND 1 0 378 0
DUKE ENERGY CORP NEW COM NEW 26441C204 293 2,734 SH   SOLE   0 0 2,734
ESSENTIAL UTILS INC COM 29670G102 3 69 SH   DFND 1 0 69 0
ESSENTIAL UTILS INC COM 29670G102 299 6,511 SH   SOLE   0 0 6,511
EXXON MOBIL CORP COM 30231G102 132 1,546 SH   DFND 1 0 1,546 0
EXXON MOBIL CORP COM 30231G102 729 8,507 SH   SOLE   0 0 8,507
FULTON FINL CORP PA COM 360271100 0 14 SH   DFND 1 0 14 0
FULTON FINL CORP PA COM 360271100 250 17,325 SH   SOLE   0 0 17,325
HOME DEPOT INC COM 437076102 132 481 SH   DFND 1 0 481 0
HOME DEPOT INC COM 437076102 1,473 5,370 SH   SOLE   0 0 5,370
INTERNATIONAL BUSINESS MACHS COM 459200101 35 248 SH   DFND 1 0 248 0
INTERNATIONAL BUSINESS MACHS COM 459200101 182 1,290 SH   SOLE   0 0 1,290
ISHARES INC ESG AWR MSCI EM 46434G863 291 9,006 SH   SOLE   0 0 9,006
ISHARES TR CORE S&P TTL STK 464287150 1,153 13,760 SH   SOLE   0 0 13,760
ISHARES TR TIPS BD ETF 464287176 7,422 65,156 SH   SOLE   0 0 65,156
ISHARES TR CORE S&P500 ETF 464287200 3,338 8,805 SH   SOLE   0 0 8,805
ISHARES TR CORE US AGGBD ET 464287226 41,235 405,535 SH   SOLE   0 0 405,535
ISHARES TR RUS 1000 ETF 464287622 234 1,125 SH   SOLE   0 0 1,125
ISHARES TR RUSSELL 2000 ETF 464287655 6,457 38,129 SH   SOLE   0 0 38,129
ISHARES TR SHRT NAT MUN ETF 464288158 15,489 147,976 SH   SOLE   0 0 147,976
ISHARES TR NATIONAL MUN ETF 464288414 29,061 273,236 SH   SOLE   0 0 273,236
ISHARES TR ISHS 1-5YR INVS 464288646 6,016 119,019 SH   SOLE   0 0 119,019
ISHARES TR MSCI USA QLT FCT 46432F339 14,346 128,397 SH   SOLE   0 0 128,397
ISHARES TR MSCI USA VALUE 46432F388 9,437 104,249 SH   SOLE   0 0 104,249
ISHARES TR CORE MSCI TOTAL 46432F834 10,972 192,393 SH   SOLE   0 0 192,393
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,746 67,080 SH   SOLE   0 0 67,080
JOHNSON & JOHNSON COM 478160104 177 997 SH   DFND 1 0 997 0
JOHNSON & JOHNSON COM 478160104 199 1,119 SH   SOLE   0 0 1,119
JPMORGAN CHASE & CO COM 46625H100 143 1,273 SH   DFND 1 0 1,273 0
JPMORGAN CHASE & CO COM 46625H100 23 200 SH   SOLE   0 0 200
JPMORGAN CHASE & CO COM 46625H100 177 1,575 SH   SOLE   0 0 1,575
KEYCORP COM 493267108 9 526 SH   DFND 1 0 526 0
KEYCORP COM 493267108 773 44,838 SH   SOLE   0 0 44,838
LOWES COS INC COM 548661107 49 282 SH   DFND 1 0 282 0
LOWES COS INC COM 548661107 236 1,350 SH   SOLE   0 0 1,350
MCDONALDS CORP COM 580135101 89 360 SH   DFND 1 0 360 0
MCDONALDS CORP COM 580135101 307 1,244 SH   SOLE   0 0 1,244
MERIDIAN CORPORATION COM 58958P104 2,296 75,779 SH   SOLE   0 0 75,779
META PLATFORMS INC CL A 30303M102 127 787 SH   DFND 1 0 787 0
META PLATFORMS INC CL A 30303M102 338 2,098 SH   SOLE   0 0 2,098
MICROSOFT CORP COM 594918104 718 2,794 SH   DFND 1 0 2,794 0
MICROSOFT CORP COM 594918104 471 1,833 SH   SOLE   0 0 1,833
NEW JERSEY RES CORP COM 646025106 1 20 SH   DFND 1 0 20 0
NEW JERSEY RES CORP COM 646025106 249 5,592 SH   SOLE   0 0 5,592
NEXTERA ENERGY INC COM 65339F101 56 725 SH   DFND 1 0 725 0
NEXTERA ENERGY INC COM 65339F101 147 1,903 SH   SOLE   0 0 1,903
PEPSICO INC COM 713448108 110 662 SH   DFND 1 0 662 0
PEPSICO INC COM 713448108 259 1,554 SH   SOLE   0 0 1,554
PFIZER INC COM 717081103 111 2,120 SH   DFND 1 0 2,120 0
PFIZER INC COM 717081103 370 7,058 SH   SOLE   0 0 7,058
PIMCO MUN INCOME FD II COM 72200W106 215 20,000 SH   SOLE   0 0 20,000
PNC FINL SVCS GROUP INC COM 693475105 35 223 SH   DFND 1 0 223 0
PNC FINL SVCS GROUP INC COM 693475105 202 1,280 SH   SOLE   0 0 1,280
PROCTER AND GAMBLE CO COM 742718109 127 883 SH   DFND 1 0 883 0
PROCTER AND GAMBLE CO COM 742718109 511 3,552 SH   SOLE   0 0 3,552
PROLOGIS INC. COM 74340W103 38 319 SH   DFND 1 0 319 0
PROLOGIS INC. COM 74340W103 473 4,024 SH   SOLE   0 0 4,024
RAYTHEON TECHNOLOGIES CORP COM 75513E101 80 829 SH   DFND 1 0 829 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 178 1,856 SH   SOLE   0 0 1,856
S & T BANCORP INC COM 783859101 2 55 SH   DFND 1 0 55 0
S & T BANCORP INC COM 783859101 391 14,252 SH   SOLE   0 0 14,252
S&P GLOBAL INC COM 78409V104 27 79 SH   DFND 1 0 79 0
S&P GLOBAL INC COM 78409V104 541 1,604 SH   SOLE   0 0 1,604
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,713 287,682 SH   SOLE   0 0 287,682
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 25,433 569,483 SH   SOLE   0 0 569,483
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,600 105,212 SH   SOLE   0 0 105,212
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,482 20,685 SH   SOLE   0 0 20,685
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,038 21,684 SH   SOLE   0 0 21,684
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 15,927 323,793 SH   SOLE   0 0 323,793
SOUTH JERSEY INDS INC COM 838518108 218 6,375 SH   SOLE   0 0 6,375
SPDR GOLD TR GOLD SHS 78463V107 311 1,844 SH   SOLE   0 0 1,844
SPDR S&P 500 ETF TR TR UNIT 78462F103 357 947 SH   SOLE   0 0 947
STARBUCKS CORP COM 855244109 43 567 SH   DFND 1 0 567 0
STARBUCKS CORP COM 855244109 170 2,220 SH   SOLE   0 0 2,220
SUNDIAL GROWERS INC COM 86730L109 5 14,000 SH   SOLE   0 0 14,000
TESLA INC COM 88160R101 177 263 SH   DFND 1 0 263 0
TESLA INC COM 88160R101 383 568 SH   SOLE   0 0 568
TEXAS INSTRS INC COM 882508104 82 534 SH   DFND 1 0 534 0
TEXAS INSTRS INC COM 882508104 949 6,175 SH   SOLE   0 0 6,175
TRUIST FINL CORP COM 89832Q109 34 719 SH   DFND 1 0 719 0
TRUIST FINL CORP COM 89832Q109 178 3,752 SH   SOLE   0 0 3,752
UNITEDHEALTH GROUP INC COM 91324P102 175 340 SH   DFND 1 0 340 0
UNITEDHEALTH GROUP INC COM 91324P102 29 57 SH   SOLE   0 0 57
VANGUARD BD INDEX FDS INTERMED TERM 921937819 231 2,970 SH   SOLE   0 0 2,970
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 251 3,273 SH   SOLE   0 0 3,273
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 285 3,785 SH   SOLE   0 0 3,785
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 821 2,368 SH   SOLE   0 0 2,368
VANGUARD INDEX FDS MID CAP ETF 922908629 304 1,542 SH   SOLE   0 0 1,542
VANGUARD INDEX FDS SMALL CP ETF 922908751 965 5,480 SH   SOLE   0 0 5,480
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,252 17,240 SH   SOLE   0 0 17,240
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,101 42,062 SH   SOLE   0 0 42,062
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,176 63,630 SH   SOLE   0 0 63,630
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 489 3,406 SH   SOLE   0 0 3,406
VANGUARD STAR FDS VG TL INTL STK F 921909768 277 5,375 SH   SOLE   0 0 5,375
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 414 10,146 SH   SOLE   0 0 10,146
WELLS FARGO CO NEW COM 949746101 34 860 SH   DFND 1 0 860 0
WELLS FARGO CO NEW COM 949746101 1,584 40,450 SH   SOLE   0 0 40,450