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   369,775 3,253 SH   DFND 1 0 1,214 2,039
ABBVIE INC COM 00287Y109   884,340 4,856 SH   DFND 1 0 1,532 3,324
ADOBE INC COM 00724F101   228,080 452 SH   DFND 1 0 361 91
ADVANCED MICRO DEVICES INC COM 007903107   730,804 4,049 SH   DFND 1 0 1,020 3,029
ALPHABET INC CAP STK CL C 02079K107   605,557 3,977 SH   DFND 1 0 3,187 790
ALPHABET INC CAP STK CL A 02079K305   1,414,787 9,374 SH   DFND 1 0 3,783 5,591
AMAZON COM INC COM 023135106   1,826,405 10,125 SH   DFND 1 0 5,402 4,723
AMGEN INC COM 031162100   216,029 760 SH   DFND 1 0 446 314
APPLE INC COM 037833100   6,568,545 38,305 SH   DFND 1,3 0 16,524 21,781
AUTOMATIC DATA PROCESSING IN COM 053015103   234,005 937 SH   DFND 1 0 544 393
BANK AMERICA CORP COM 060505104   292,285 7,708 SH   DFND 1 0 5,622 2,086
BOEING CO COM 097023105   327,440 1,697 SH   DFND 1 0 310 1,387
BROADCOM INC COM 11135F101   463,538 350 SH   DFND 1 0 318 32
CHEVRON CORP NEW COM 166764100   355,311 2,253 SH   DFND 1 0 1,261 992
CISCO SYS INC COM 17275R102   220,931 4,427 SH   DFND 1 0 3,072 1,355
COCA COLA CO COM 191216100   204,620 3,345 SH   DFND 1 0 3,043 302
COMCAST CORP NEW CL A 20030N101   380,621 8,780 SH   DFND 1 0 2,923 5,857
COMMUNITY BK SYS INC COM 203607106   524,642 10,923 SH   DFND 1 0 40 10,883
COSTCO WHSL CORP NEW COM 22160K105   290,576 397 SH   DFND 1 0 342 55
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   69,448,921 1,900,627 SH   SOLE   0 0 1,900,627
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   256,183 4,496 SH   SOLE   0 0 4,496
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   95,555,233 2,990,774 SH   SOLE   0 0 2,990,774
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   26,195,553 1,029,699 SH   SOLE   0 0 1,029,699
DISNEY WALT CO COM 254687106   366,418 2,995 SH   DFND 1 0 1,070 1,925
DUKE ENERGY CORP NEW COM NEW 26441C204   293,806 3,038 SH   DFND 1 0 660 2,378
EXXON MOBIL CORP COM 30231G102   1,198,345 10,309 SH   DFND 1 0 2,654 7,655
META PLATFORMS INC CL A 30303M102   1,311,267 2,700 SH   DFND 1 0 1,390 1,310
FULTON FINL CORP PA COM 360271100   418,337 26,327 SH   DFND 1 0 173 26,154
GENERAL ELECTRIC CO COM NEW 369604301   329,252 1,876 SH   DFND 1 0 638 1,238
HIVE DIGITAL TECHNOLOGIES LT COM NEW 433921103   33,700 10,000 SH   SOLE   0 0 10,000
HOME DEPOT INC COM 437076102   2,424,463 6,320 SH   DFND 1 0 869 5,451
ISHARES TR CORE S&P TTL STK 464287150   1,385,791 12,019 SH   SOLE   0 0 12,019
ISHARES TR CORE S&P500 ETF 464287200   5,150,508 9,797 SH   SOLE   0 0 9,797
ISHARES TR CORE US AGGBD ET 464287226   59,418,095 606,679 SH   SOLE   0 0 606,679
ISHARES TR RUS 1000 ETF 464287622   320,060 1,111 SH   SOLE   0 0 1,111
ISHARES TR RUSSELL 2000 ETF 464287655   9,953,866 47,332 SH   SOLE   0 0 47,332
ISHARES TR RUSSELL 3000 ETF 464287689   204,484 681 SH   SOLE   0 0 681
ISHARES TR SHRT NAT MUN ETF 464288158   10,573,123 100,956 SH   DFND 2 0 1,175 99,781
ISHARES TR NATIONAL MUN ETF 464288414   28,370,893 263,670 SH   DFND 2 0 2,827 260,843
ISHARES TR MBS ETF 464288588   16,455,181 178,048 SH   SOLE   0 0 178,048
ISHARES TR MSCI USA QLT FCT 46432F339   19,355,638 117,771 SH   SOLE   0 0 117,771
ISHARES TR MSCI USA VALUE 46432F388   15,577,945 143,827 SH   SOLE   0 0 143,827
ISHARES TR CORE MSCI TOTAL 46432F834   15,418,265 227,207 SH   SOLE   0 0 227,207
ISHARES INC CORE MSCI EMKT 46434G103   7,237,230 140,256 SH   SOLE   0 0 140,256
ISHARES INC ESG AWR MSCI EM 46434G863   544,236 16,886 SH   SOLE   0 0 16,886
ISHARES TR CORE TOTAL USD 46434V613   1,075,697 23,595 SH   SOLE   0 0 23,595
JPMORGAN CHASE & CO COM 46625H100   830,326 4,145 SH   DFND 1 0 2,463 1,682
JOHNSON & JOHNSON COM 478160104   472,763 2,989 SH   DFND 1 0 1,958 1,031
LAKELAND BANCORP INC COM 511637100   141,111 11,662 SH   DFND 1 0 95 11,567
ELI LILLY & CO COM 532457108   561,568 722 SH   DFND 1 0 554 168
LOWES COS INC COM 548661107   468,159 1,838 SH   DFND 1 0 583 1,255
MASTERCARD INCORPORATED CL A 57636Q104   392,086 814 SH   DFND 1 0 584 230
MCDONALDS CORP COM 580135101   522,030 1,851 SH   DFND 1 0 679 1,172
MERCK & CO INC COM 58933Y105   354,125 2,684 SH   DFND 1 0 2,122 562
MERIDIAN CORPORATION COM 58958P104   2,128,508 214,567 SH   SOLE   0 0 214,567
MICROSOFT CORP COM 594918104   3,046,495 7,241 SH   DFND 1 0 5,130 2,111
NETFLIX INC COM 64110L106   202,356 333 SH   DFND 1 0 298 35
NEW JERSEY RES CORP COM 646025106   233,947 5,452 SH   DFND 1 0 32 5,420
NEXTERA ENERGY INC COM 65339F101   211,209 3,305 SH   DFND 1 0 1,382 1,923
NUCOR CORP COM 670346105   280,951 1,420 SH   DFND 1 0 167 1,253
NVIDIA CORPORATION COM 67066G104   2,586,299 2,862 SH   DFND 1 0 1,508 1,354
ORACLE CORP COM 68389X105   325,602 2,592 SH   DFND 1 0 1,131 1,461
PNC FINL SVCS GROUP INC COM 693475105   208,811 1,292 SH   DFND 1 0 303 989
PEPSICO INC COM 713448108   391,031 2,234 SH   DFND 1 0 1,089 1,145
PFIZER INC COM 717081103   251,769 9,073 SH   DFND 1 0 2,133 6,940
PROCTER AND GAMBLE CO COM 742718109   604,382 3,725 SH   DFND 1 0 1,821 1,904
PROLOGIS INC. COM 74340W103   538,875 4,138 SH   DFND 1 0 716 3,422
RTX CORPORATION COM 75513E101   207,512 2,128 SH   DFND 1 0 1,223 905
S & T BANCORP INC COM 783859101   457,205 14,252 SH   SOLE   0 0 14,252
S&P GLOBAL INC COM 78409V104   770,651 1,811 SH   DFND 1 0 179 1,632
SPDR S&P 500 ETF TR TR UNIT 78462F103   308,424 590 SH   SOLE   0 0 590
SPDR GOLD TR GOLD SHS 78463V107   379,348 1,844 SH   SOLE   0 0 1,844
SALESFORCE INC COM 79466L302   237,732 789 SH   DFND 1 0 649 140
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   16,503,438 270,327 SH   SOLE   0 0 270,327
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   65,527,801 1,055,878 SH   SOLE   0 0 1,055,878
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,834,296 96,209 SH   SOLE   0 0 96,209
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   538,968 10,946 SH   SOLE   0 0 10,946
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,784,472 22,132 SH   SOLE   0 0 22,132
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   691,288 15,028 SH   SOLE   0 0 15,028
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   8,901,191 184,634 SH   SOLE   0 0 184,634
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   309,255 1,485 SH   SOLE   0 0 1,485
STARBUCKS CORP COM 855244109   207,663 2,272 SH   DFND 1 0 905 1,367
TESLA INC COM 88160R101   502,408 2,858 SH   DFND 1 0 1,296 1,562
TEXAS INSTRS INC COM 882508104   1,168,785 6,709 SH   DFND 1 0 777 5,932
THERMO FISHER SCIENTIFIC INC COM 883556102   283,051 487 SH   DFND 1 0 253 234
UNITEDHEALTH GROUP INC COM 91324P102   398,070 805 SH   DFND 1 0 658 147
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   615,555 3,371 SH   SOLE   0 0 3,371
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,452,929 24,095 SH   SOLE   0 0 24,095
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,284,389 17,684 SH   SOLE   0 0 17,684
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   537,171 10,707 SH   SOLE   0 0 10,707
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,903,728 49,509 SH   SOLE   0 0 49,509
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   386,050 6,648 SH   SOLE   0 0 6,648
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   387,001 8,485 SH   SOLE   0 0 8,485
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,125,807 61,775 SH   SOLE   0 0 61,775
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,806,952 3,759 SH   SOLE   0 0 3,759
VANGUARD INDEX FDS MID CAP ETF 922908629   547,943 2,193 SH   SOLE   0 0 2,193
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   729,474 4,162 SH   SOLE   0 0 4,162
VANGUARD INDEX FDS VALUE ETF 922908744   224,584 1,379 SH   SOLE   0 0 1,379
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,416,653 6,197 SH   SOLE   0 0 6,197
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,176,121 16,068 SH   SOLE   0 0 16,068
VERTEX INC CL A 92538J106   3,979,243 125,291 SH   SOLE   0 0 125,291
VISA INC COM CL A 92826C839   411,271 1,474 SH   DFND 1 0 1,275 199
WALMART INC COM 931142103   402,438 6,688 SH   DFND 1 0 3,424 3,264
WELLS FARGO CO NEW COM 949746101   2,444,445 42,175 SH   DFND 1 0 2,216 39,959
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   49,349 15,716 SH   DFND 1 0 716 15,000
LINDE PLC SHS G54950103   212,814 458 SH   DFND 1 0 309 149
TE CONNECTIVITY LTD SHS H84989104   202,611 1,395 SH   DFND 1 0 981 414