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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   330,005 3,027 SH   DFND 1 0 756 2,271
ABBVIE INC COM 00287Y109   603,996 4,483 SH   DFND 1 0 996 3,487
ADOBE SYSTEMS INCORPORATED COM 00724F101   221,024 452 SH   DFND 1 0 317 135
ALPHABET INC CAP STK CL C 02079K107   441,555 3,650 SH   DFND 1 0 2,441 1,209
ALPHABET INC CAP STK CL A 02079K305   915,840 7,651 SH   DFND 1 0 2,800 4,851
ALTRIA GROUP INC COM 02209S103   214,245 4,729 SH   DFND 1 0 1,299 3,430
AMAZON COM INC COM 023135106   1,112,578 8,535 SH   DFND 1 0 3,670 4,865
APPLE INC COM 037833100   6,014,014 31,005 SH   DFND 1 0 8,466 22,539
BOEING CO COM 097023105   277,254 1,313 SH   DFND 1 0 229 1,084
BROADCOM INC COM 11135F101   212,522 245 SH   DFND 1 0 191 54
CHEVRON CORP NEW COM 166764100   307,089 1,952 SH   DFND 1 0 850 1,102
CISCO SYS INC COM 17275R102   215,760 4,170 SH   DFND 1 0 1,895 2,275
COMCAST CORP NEW CL A 20030N101   351,008 8,448 SH   DFND 1 0 2,188 6,260
COMMUNITY BK SYS INC COM 203607106   510,204 10,883 SH   SOLE   0 0 10,883
COSTCO WHSL CORP NEW COM 22160K105   205,934 383 SH   DFND 1 0 262 121
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106   7,597 23,055 SH   SOLE   0 0 23,055
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   57,912,471 1,868,747 SH   SOLE   0 0 1,868,747
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   216,528 4,496 SH   SOLE   0 0 4,496
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   85,698,981 3,156,500 SH   SOLE   0 0 3,156,500
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   25,520,921 1,094,849 SH   SOLE   0 0 1,094,849
DUKE ENERGY CORP NEW COM NEW 26441C204   288,066 3,210 SH   DFND 1 0 385 2,825
ESSENTIAL UTILS INC COM 29670G102   238,024 5,964 SH   DFND 1 0 156 5,808
EXXON MOBIL CORP COM 30231G102   1,445,320 13,476 SH   DFND 1 0 2,152 11,324
META PLATFORMS INC CL A 30303M102   865,820 3,017 SH   DFND 1 0 946 2,071
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   281,769 14,274 SH   SOLE   0 0 14,274
FORD MTR CO DEL COM 345370860   162,096 10,713 SH   DFND 1 0 2,114 8,599
FULTON FINL CORP PA COM 360271100   208,648 17,504 SH   DFND 1 0 175 17,329
GENERAL ELECTRIC CO COM NEW 369604301   236,274 2,151 SH   DFND 1 0 447 1,704
HOME DEPOT INC COM 437076102   1,902,100 6,123 SH   DFND 1 0 616 5,507
ISHARES TR CORE S&P TTL STK 464287150   1,258,223 12,860 SH   SOLE   0 0 12,860
ISHARES TR CORE S&P500 ETF 464287200   4,248,863 9,533 SH   SOLE   0 0 9,533
ISHARES TR CORE US AGGBD ET 464287226   44,417,998 453,476 SH   SOLE   0 0 453,476
ISHARES TR RUS 1000 ETF 464287622   231,602 950 SH   SOLE   0 0 950
ISHARES TR RUSSELL 2000 ETF 464287655   8,503,478 45,408 SH   SOLE   0 0 45,408
ISHARES TR SHRT NAT MUN ETF 464288158   16,179,339 155,511 SH   SOLE   0 0 155,511
ISHARES TR NATIONAL MUN ETF 464288414   31,343,186 293,668 SH   SOLE   0 0 293,668
ISHARES TR MBS ETF 464288588   14,077,135 150,937 SH   SOLE   0 0 150,937
ISHARES TR MSCI USA QLT FCT 46432F339   15,951,344 118,272 SH   SOLE   0 0 118,272
ISHARES TR MSCI USA VALUE 46432F388   12,712,291 135,540 SH   SOLE   0 0 135,540
ISHARES TR CORE MSCI TOTAL 46432F834   14,277,358 228,000 SH   SOLE   0 0 228,000
ISHARES INC CORE MSCI EMKT 46434G103   6,001,852 121,766 SH   SOLE   0 0 121,766
ISHARES INC ESG AWR MSCI EM 46434G863   423,020 13,374 SH   SOLE   0 0 13,374
JPMORGAN CHASE & CO COM 46625H100   523,622 3,600 SH   DFND 1 0 1,695 1,905
JOHNSON & JOHNSON COM 478160104   453,632 2,741 SH   DFND 1 0 1,287 1,454
KEYCORP COM 493267108   419,303 45,379 SH   DFND 1 0 667 44,712
LILLY ELI & CO COM 532457108   259,417 553 SH   DFND 1 0 405 148
LOWES COS INC COM 548661107   415,936 1,843 SH   DFND 1 0 391 1,452
MASTERCARD INCORPORATED CL A 57636Q104   261,938 666 SH   DFND 1 0 453 213
MCDONALDS CORP COM 580135101   524,153 1,756 SH   DFND 1 0 468 1,288
MERCK & CO INC COM 58933Y105   320,516 2,778 SH   DFND 1 0 1,667 1,111
MERIDIAN CORPORATION COM 58958P104   1,678,062 171,231 SH   SOLE   0 0 171,231
MICROSOFT CORP COM 594918104   2,419,446 7,105 SH   DFND 1 0 3,886 3,219
NEW JERSEY RES CORP COM 646025106   264,982 5,614 SH   DFND 1 0 36 5,578
NEXTERA ENERGY INC COM 65339F101   238,364 3,212 SH   DFND 1 0 1,035 2,177
NUCOR CORP COM 670346105   225,065 1,373 SH   DFND 1 0 120 1,253
NVIDIA CORPORATION COM 67066G104   662,452 1,566 SH   DFND 1 0 1,060 506
ORACLE CORP COM 68389X105   322,213 2,706 SH   DFND 1 0 805 1,901
PEPSICO INC COM 713448108   463,792 2,504 SH   DFND 1 0 783 1,721
PFIZER INC COM 717081103   387,493 10,564 SH   DFND 1 0 2,373 8,191
PROCTER AND GAMBLE CO COM 742718109   666,898 4,395 SH   DFND 1 0 1,163 3,232
PROLOGIS INC. COM 74340W103   516,641 4,213 SH   DFND 1 0 639 3,574
PROSHARES TR SHORT S&P 500 NE 74347B425   306,860 22,108 SH   SOLE   0 0 22,108
RAYTHEON TECHNOLOGIES CORP COM 75513E101   288,885 2,949 SH   DFND 1 0 977 1,972
S & T BANCORP INC COM 783859101   387,784 14,262 SH   DFND 1 0 10 14,252
S&P GLOBAL INC COM 78409V104   706,369 1,762 SH   DFND 1 0 122 1,640
SPDR S&P 500 ETF TR TR UNIT 78462F103   386,279 871 SH   SOLE   0 0 871
SPDR GOLD TR GOLD SHS 78463V107   328,730 1,844 SH   SOLE   0 0 1,844
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,126,947 331,276 SH   SOLE   0 0 331,276
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   55,076,577 1,051,682 SH   SOLE   0 0 1,051,682
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,074,373 99,597 SH   SOLE   0 0 99,597
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   479,144 10,939 SH   SOLE   0 0 10,939
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,505,047 20,725 SH   SOLE   0 0 20,725
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   735,837 15,941 SH   SOLE   0 0 15,941
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   15,714,572 326,978 SH   SOLE   0 0 326,978
STARBUCKS CORP COM 855244109   227,740 2,299 SH   DFND 1 0 687 1,612
TESLA INC COM 88160R101   805,467 3,077 SH   DFND 1 0 1,150 1,927
TEXAS INSTRS INC COM 882508104   1,183,992 6,577 SH   DFND 1 0 589 5,988
THERMO FISHER SCIENTIFIC INC COM 883556102   260,354 499 SH   DFND 1 0 191 308
UNITEDHEALTH GROUP INC COM 91324P102   284,059 591 SH   DFND 1 0 467 124
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   545,094 3,356 SH   SOLE   0 0 3,356
VANGUARD STAR FDS VG TL INTL STK F 921909768   289,037 5,154 SH   SOLE   0 0 5,154
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,174,671 16,160 SH   SOLE   0 0 16,160
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   515,600 11,165 SH   SOLE   0 0 11,165
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,037,471 9,781 SH   SOLE   0 0 9,781
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,436,309 44,777 SH   SOLE   0 0 44,777
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,355,639 26,994 SH   SOLE   0 0 26,994
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   982,360 2,412 SH   SOLE   0 0 2,412
VANGUARD INDEX FDS MID CAP ETF 922908629   305,362 1,387 SH   SOLE   0 0 1,387
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   746,681 5,017 SH   SOLE   0 0 5,017
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,161,200 5,838 SH   SOLE   0 0 5,838
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,653,605 16,586 SH   SOLE   0 0 16,586
VISA INC COM CL A 92826C839   324,399 1,366 SH   DFND 1 0 1,021 345
WALMART INC COM 931142103   294,604 1,874 SH   DFND 1 0 786 1,088
WELLS FARGO CO NEW COM 949746101   1,759,399 41,223 SH   DFND 1 0 1,168 40,055