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
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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
3M CO COM 88579Y101   661,255 5,514 SH   SOLE   0 0 5,514
ABBVIE INC COM 00287Y109   265,687 1,644 SH   SOLE   0 0 1,644
ABRDN ETFS BBRG ALL COMD K1 003261104   421,280 19,097 SH   SOLE   0 0 19,097
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   313,003 1,173 SH   SOLE   0 0 1,173
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,387,177 4,122 SH   SOLE   0 0 4,122
ADVANCED MICRO DEVICES INC COM 007903107   314,782 4,860 SH   SOLE   0 0 4,860
ALLIANT ENERGY CORP COM 018802108   291,950 5,288 SH   SOLE   0 0 5,288
ALLSTATE CORP COM 020002101   1,521,215 11,218 SH   SOLE   0 0 11,218
AMAZON COM INC COM 023135106   365,400 4,350 SH   SOLE   0 0 4,350
AMERICAN TOWER CORP NEW COM 03027X100   238,343 1,125 SH   SOLE   0 0 1,125
AMETEK INC COM 031100100   904,272 6,472 SH   SOLE   0 0 6,472
AMGEN INC COM 031162100   401,482 1,529 SH   SOLE   0 0 1,529
ANALOG DEVICES INC COM 032654105   549,901 3,352 SH   SOLE   0 0 3,352
APPLE INC COM 037833100   9,754,666 75,076 SH   SOLE   0 0 75,076
AT&T INC COM 00206R102   203,324 11,044 SH   SOLE   0 0 11,044
AUTONATION INC COM 05329W102   1,182,553 11,021 SH   SOLE   0 0 11,021
AUTOZONE INC COM 053332102   214,558 87 SH   SOLE   0 0 87
AXALTA COATING SYS LTD COM G0750C108   414 19,646 SH   SOLE   0 0 19,646
BANK NEW YORK MELLON CORP COM 064058100   345,724 7,595 SH   SOLE   0 0 7,595
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   438,020 1,418 SH   SOLE   0 0 1,418
BLACKSTONE INC COM 09260D107   229,247 3,090 SH   SOLE   0 0 3,090
BOEING CO COM 097023105   860,443 4,517 SH   SOLE   0 0 4,517
BRISTOL-MYERS SQUIBB CO COM 110122108   646,039 8,979 SH   SOLE   0 0 8,979
CASSAVA SCIENCES INC COM 14817C107   451,903 15,298 SH   SOLE   0 0 15,298
CATERPILLAR INC COM 149123101   995,665 4,156 SH   SOLE   0 0 4,156
CHENIERE ENERGY INC COM NEW 16411R208   748,253 4,990 SH   SOLE   0 0 4,990
CHEVRON CORP NEW COM 166764100   380,878 2,122 SH   SOLE   0 0 2,122
CISCO SYS INC COM 17275R102   902,445 18,943 SH   SOLE   0 0 18,943
CITIZENS & NORTHN CORP COM 172922106   3,210,116 140,425 SH   SOLE   0 0 140,425
CLOROX CO DEL COM 189054109   444,312 3,166 SH   SOLE   0 0 3,166
COCA COLA CO COM 191216100   741,184 11,652 SH   SOLE   0 0 11,652
CONOCOPHILLIPS COM 20825C104   860,948 7,296 SH   SOLE   0 0 7,296
CONSOLIDATED EDISON INC COM 209115104   344,832 3,618 SH   SOLE   0 0 3,618
COSTAR GROUP INC COM 22160N109   1,010,050 13,070 SH   SOLE   0 0 13,070
CSX CORP COM 126408103   429,971 13,879 SH   SOLE   0 0 13,879
DANAHER CORPORATION COM 235851102   290,464 1,094 SH   SOLE   0 0 1,094
DEERE & CO COM 244199105   404,542 944 SH   SOLE   0 0 944
DEVON ENERGY CORP NEW COM 25179M103   264,985 4,308 SH   SOLE   0 0 4,308
DISNEY WALT CO COM 254687106   765,682 8,813 SH   SOLE   0 0 8,813
DOCUSIGN INC COM 256163106   207,991 3,753 SH   SOLE   0 0 3,753
DOW INC COM 260557103   385,332 7,647 SH   SOLE   0 0 7,647
EATON CORP PLC SHS G29183103   774,822 6,778 SH   SOLE   0 0 1,843
EOG RES INC COM 26875P101   1,018,946 7,867 SH   SOLE   0 0 7,867
EXXON MOBIL CORP COM 30231G102   922,916 8,367 SH   SOLE   0 0 8,367
FEDEX CORP COM 31428X106   316,551 1,828 SH   SOLE   0 0 1,828
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   857,187 19,224 SH   SOLE   0 0 19,224
GENERAL MLS INC COM 370334104   340,515 4,061 SH   SOLE   0 0 4,061
GLOBAL X FDS GLBX SUPRINC ETF 37950E333   330,306 35,083 SH   SOLE   0 0 35,083
GOLDMAN SACHS GROUP INC COM 38141G104   265,433 773 SH   SOLE   0 0 773
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   62 23,715 SH   SOLE   0 0 23,715
HARTFORD FINL SVCS GROUP INC COM 416515104   234,052 3,087 SH   SOLE   0 0 3,087
HOME DEPOT INC COM 437076102   452,088 1,431 SH   SOLE   0 0 1,431
HONEYWELL INTL INC COM 438516106   217,515 1,015 SH   SOLE   0 0 1,015
HORMEL FOODS CORP COM 440452100   255,444 5,608 SH   SOLE   0 0 5,608
INTEL CORP COM 458140100   470,401 17,798 SH   SOLE   0 0 17,798
INTERNATIONAL BUSINESS MACHS COM 459200101   841,959 5,976 SH   SOLE   0 0 5,976
INTUITIVE SURGICAL INC COM NEW 46120E602   291,885 1,100 SH   SOLE   0 0 1,100
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738   201,887 4,290 SH   SOLE   0 0 4,290
IQVIA HLDGS INC COM 46266C105   730,228 3,564 SH   SOLE   0 0 3,564
ISHARES INC CORE MSCI EMKT 46434G103   2,039,462 43,672 SH   SOLE   0 0 43,672
ISHARES TR USD INV GRDE ETF 464288620   2,012,816 40,986 SH   SOLE   0 0 40,986
ISHARES TR MSCI EAFE ETF 464287465   1,012,694 15,428 SH   SOLE   0 0 15,428
ISHARES TR MBS ETF 464288588   322,121 3,473 SH   SOLE   0 0 3,473
ISHARES TR GL CLEAN ENE ETF 464288224   1,955,937 98,536 SH   SOLE   0 0 98,536
ISHARES TR CORE MSCI EAFE 46432F842   233,291 3,785 SH   SOLE   0 0 3,785
ISHARES TR ISHS 1-5YR INVS 464288646   2,507,999 50,341 SH   SOLE   0 0 50,341
ISHARES TR TIPS BD ETF 464287176   1,711,032 16,075 SH   SOLE   0 0 16,075
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   536,275 10,698 SH   SOLE   0 0 10,698
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,218,560 40,715 SH   SOLE   0 0 40,715
JOHNSON & JOHNSON COM 478160104   2,028,003 11,480 SH   SOLE   0 0 11,480
JOHNSON CTLS INTL PLC SHS G51502105   261,184 4,081 SH   SOLE   0 0 4,081
JPMORGAN CHASE & CO COM 46625H100   501,239 3,738 SH   SOLE   0 0 3,738
KELLOGG CO COM 487836108   227,252 3,190 SH   SOLE   0 0 3,190
KIMBERLY-CLARK CORP COM 494368103   1,034,410 7,620 SH   SOLE   0 0 7,620
LILLY ELI & CO COM 532457108   1,095,691 2,995 SH   SOLE   0 0 2,995
LOCKHEED MARTIN CORP COM 539830109   215,839 444 SH   SOLE   0 0 444
LOWES COS INC COM 548661107   233,772 1,173 SH   SOLE   0 0 1,173
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,057,156 12,732 SH   SOLE   0 0 12,732
MARATHON PETE CORP COM 56585A102   329,521 2,831 SH   SOLE   0 0 2,831
MCDONALDS CORP COM 580135101   1,384,548 5,254 SH   SOLE   0 0 5,254
MDU RES GROUP INC COM 552690109   232,860 7,675 SH   SOLE   0 0 7,675
MEDTRONIC PLC SHS G5960L103   429,659 9,662 SH   SOLE   0 0 5,524
MERCK & CO INC COM 58933Y105   2,342,166 21,110 SH   SOLE   0 0 21,110
META PLATFORMS INC CL A 30303M102   738,527 6,137 SH   SOLE   0 0 6,137
MICROCHIP TECHNOLOGY INC. COM 595017104   259,644 3,696 SH   SOLE   0 0 3,696
MICROSOFT CORP COM 594918104   667,514 2,783 SH   SOLE   0 0 2,783
MORGAN STANLEY COM NEW 617446448   207,109 2,436 SH   SOLE   0 0 2,436
MOTOROLA SOLUTIONS INC COM NEW 620076307   848,381 3,292 SH   SOLE   0 0 3,292
NATIONAL FUEL GAS CO COM 636180101   213,005 3,365 SH   SOLE   0 0 3,365
NETFLIX INC COM 64110L106   359,754 1,220 SH   SOLE   0 0 1,220
NEWELL BRANDS INC COM 651229106   149,766 11,450 SH   SOLE   0 0 11,450
NUCOR CORP COM 670346105   465,553 3,532 SH   SOLE   0 0 3,532
NVIDIA CORPORATION COM 67066G104   546,271 3,738 SH   SOLE   0 0 3,738
PAYCHEX INC COM 704326107   1,507,285 13,043 SH   SOLE   0 0 13,043
PEPSICO INC COM 713448108   1,221,933 6,764 SH   SOLE   0 0 6,764
PFIZER INC COM 717081103   1,196,864 23,358 SH   SOLE   0 0 23,358
PHILLIPS 66 COM 718546104   293,002 2,815 SH   SOLE   0 0 2,815
PPL CORP COM 69351T106   218,536 7,479 SH   SOLE   0 0 7,479
PROCTER AND GAMBLE CO COM 742718109   495,152 3,267 SH   SOLE   0 0 3,267
PRUDENTIAL FINL INC COM 744320102   1,418,905 14,266 SH   SOLE   0 0 14,266
PUBLIC STORAGE COM 74460D109   212,944 760 SH   SOLE   0 0 760
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   907,610 14,813 SH   SOLE   0 0 14,813
PVH CORPORATION COM 693656100   948,318 13,434 SH   SOLE   0 0 13,434
RAYTHEON TECHNOLOGIES CORP COM 75513E101   449,429 4,453 SH   SOLE   0 0 4,453
REPUBLIC SVCS INC COM 760759100   964,845 7,480 SH   SOLE   0 0 7,480
SALESFORCE INC COM 79466L302   331,740 2,502 SH   SOLE   0 0 2,502
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   12,265,075 185,778 SH   SOLE   0 0 185,778
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   283,305 5,099 SH   SOLE   0 0 5,099
SCHWAB STRATEGIC TR US REIT ETF 808524847   241,646 12,527 SH   SOLE   0 0 12,527
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   215,758 6,856 SH   SOLE   0 0 6,856
SONOCO PRODS CO COM 835495102   288,980 4,760 SH   SOLE   0 0 4,760
SOUTHERN CO COM 842587107   527,720 7,390 SH   SOLE   0 0 7,390
SPDR GOLD TR GOLD SHS 78463V107   312,986 1,845 SH   SOLE   0 0 1,845
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   443,500 14,938 SH   SOLE   0 0 14,938
SPDR S&P 500 ETF TR TR UNIT 78462F103   432,682 1,131 SH   SOLE   0 0 1,131
SPDR SER TR S&P 400 MDCP GRW 78464A821   256,656 3,928 SH   SOLE   0 0 3,928
SPDR SER TR RUSSELL YIELD 78468R770   259,081 2,765 SH   SOLE   0 0 2,765
STARBUCKS CORP COM 855244109   1,775,398 17,897 SH   SOLE   0 0 17,897
STRATEGY SHS NS 7HANDL IDX 86280R506   215,380 11,000 SH   SOLE   0 0 11,000
STRYKER CORPORATION COM 863667101   633,743 2,592 SH   SOLE   0 0 2,592
TARGET CORP COM 87612E106   291,533 1,956 SH   SOLE   0 0 1,956
TELEFLEX INCORPORATED COM 879369106   681,989 2,732 SH   SOLE   0 0 2,732
THERMO FISHER SCIENTIFIC INC COM 883556102   319,951 581 SH   SOLE   0 0 581
TJX COS INC NEW COM 872540109   245,660 3,086 SH   SOLE   0 0 3,086
TRAVELERS COMPANIES INC COM 89417E109   221,613 1,182 SH   SOLE   0 0 1,182
TRUIST FINL CORP COM 89832Q109   2,074,519 48,211 SH   SOLE   0 0 48,211
UBER TECHNOLOGIES INC COM 90353T100   304 11,469 SH   SOLE   0 0 11,469
UNITED PARCEL SERVICE INC CL B 911312106   736,907 5,706 SH   SOLE   0 0 1,468
UNITEDHEALTH GROUP INC COM 91324P102   1,039,724 4,774 SH   SOLE   0 0 2,816
UNIVEST FINANCIAL CORPORATIO COM 915271100   1,061,845 40,637 SH   SOLE   0 0 40,637
URBAN OUTFITTERS INC COM 917047102   387 19,700 SH   SOLE   0 0 19,700
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   599,353 22,182 SH   SOLE   0 0 22,182
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   1,630 24,240 SH   SOLE   0 0 24,240
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   357,195 7,531 SH   SOLE   0 0 7,531
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,997 24,360 SH   SOLE   0 0 24,360
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,024,083 11,260 SH   SOLE   0 0 11,260
VANGUARD INDEX FDS VALUE ETF 922908744   3,778 30,592 SH   SOLE   0 0 30,592
VANGUARD INDEX FDS GROWTH ETF 922908736   11,310,681 66,238 SH   SOLE   0 0 53,061
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,855,264 13,718 SH   SOLE   0 0 13,718
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   284,866 7,308 SH   SOLE   0 0 7,308
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   308,190 5,270 SH   SOLE   0 0 5,270
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   363,599 4,691 SH   SOLE   0 0 4,691
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,206,007 26,494 SH   SOLE   0 0 26,494
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   1,528,461 9,816 SH   SOLE   0 0 9,816
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   203,915 2,712 SH   SOLE   0 0 2,712
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   1,707,420 14,022 SH   SOLE   0 0 14,022
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,853 176,477 SH   SOLE   0 0 176,477
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   464,438 34,396 SH   SOLE   0 0 32,553
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   316,665 1,653 SH   SOLE   0 0 1,653
VANGUARD WORLD FDS ENERGY ETF 92204A306   449,342 3,705 SH   SOLE   0 0 3,705
VANGUARD WORLD FDS INF TECH ETF 92204A702   353,906 1,108 SH   SOLE   0 0 1,108
VERIZON COMMUNICATIONS INC COM 92343V104   952,977 32,006 SH   SOLE   0 0 24,180
VISA INC COM CL A 92826C839   1,260,180 11,353 SH   SOLE   0 0 6,061
WASTE MGMT INC DEL COM 94106L109   1,032,910 6,584 SH   SOLE   0 0 6,584
WELLS FARGO CO NEW COM 949746101   631,441 23,967 SH   SOLE   0 0 8,683
WEST PHARMACEUTICAL SVSC INC COM 955306105   235,350 1,000 SH   SOLE   0 0 1,000