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
ISHARES TR CORE S&P MCP ETF 464287507 1,166 4,338 SH   SOLE 0 0 0 4,338
ISHARES TR S&P MC 400VL ETF 464287705 679 6,442 SH   SOLE 0 0 0 6,442
ISHARES TR CORE S&P SCP ETF 464287804 1,012 8,957 SH   SOLE 0 0 0 8,957
ISHARES TR CORE S&P500 ETF 464287200 3,351 7,795 SH   SOLE 0 0 0 7,795
ISHARES TR RUSSELL 2000 ETF 464287655 1,821 7,939 SH   SOLE 0 0 0 7,939
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,087 21,229 SH   SOLE 0 0 0 21,229
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 765 12,094 SH   SOLE 0 0 0 12,094
ADOBE SYSTEMS INCORPORATED COM 00724F101 753 1,286 SH   SOLE 0 0 0 1,286
AMERICAN INTL GROUP INC COM NEW 026874784 610 12,823 SH   SOLE 0 0 0 12,823
AMAZON COM INC COM 023135106 2,566 746 SH   SOLE 0 0 0 746
BRISTOL-MYERS SQUIBB CO COM 110122108 450 6,738 SH   SOLE 0 0 0 6,738
INVESCO QQQ TR UNIT SER 1 46090E103 305 860 SH   SOLE 0 0 0 860
ABBOTT LABS COM 002824100 286 2,464 SH   SOLE 0 0 0 2,464
ADVANCED MICRO DEVICES INC COM 007903107 512 5,452 SH   SOLE 0 0 0 5,452
QUALCOMM INC COM 747525103 700 4,896 SH   SOLE 0 0 0 4,896
DISNEY WALT CO COM 254687106 287 1,634 SH   SOLE 0 0 0 1,634
HONEYWELL INTL INC COM 438516106 727 3,316 SH   SOLE 0 0 0 3,316
JOHNSON & JOHNSON COM 478160104 958 5,815 SH   SOLE 0 0 0 5,815
PFIZER INC COM 717081103 722 18,428 SH   SOLE 0 0 0 18,428
LOWES COS INC COM 548661107 201 1,037 SH   SOLE 0 0 0 1,037
ISHARES TR MSCI EAFE ETF 464287465 1,106 14,018 SH   SOLE 0 0 0 14,018
CHEVRON CORP NEW COM 166764100 610 5,820 SH   SOLE 0 0 0 5,820
MICROSOFT CORP COM 594918104 4,339 16,018 SH   SOLE 0 0 0 16,018
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 517 30,175 SH   SOLE 0 0 0 30,175
AT&T INC COM 00206R102 306 10,633 SH   SOLE 0 0 0 10,633
TRUIST FINL CORP COM 89832Q109 563 10,150 SH   SOLE 0 0 0 10,150
CISCO SYS INC COM 17275R102 336 6,333 SH   SOLE 0 0 0 6,333
INTERNATIONAL BUSINESS MACHS COM 459200101 890 6,071 SH   SOLE 0 0 0 6,071
COCA COLA CO COM 191216100 445 8,232 SH   SOLE 0 0 0 8,232
LOCKHEED MARTIN CORP COM 539830109 785 2,076 SH   SOLE 0 0 0 2,076
PEPSICO INC COM 713448108 253 1,708 SH   SOLE 0 0 0 1,708
VERIZON COMMUNICATIONS INC COM 92343V104 371 6,627 SH   SOLE 0 0 0 6,627
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,623 42,270 SH   SOLE 0 0 0 42,270
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 405 11,033 SH   SOLE 0 0 0 11,033
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 254 3,628 SH   SOLE 0 0 0 3,628
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 341 2,709 SH   SOLE 0 0 0 2,709
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,254 8,102 SH   SOLE 0 0 0 8,102
DEERE & CO COM 244199105 741 2,101 SH   SOLE 0 0 0 2,101
BK OF AMERICA CORP COM 060505104 308 7,459 SH   SOLE 0 0 0 7,459
WALMART INC COM 931142103 705 4,997 SH   SOLE 0 0 0 4,997
TEXAS INSTRS INC COM 882508104 220 1,146 SH   SOLE 0 0 0 1,146
COLGATE PALMOLIVE CO COM 194162103 243 2,988 SH   SOLE 0 0 0 2,988
COSTCO WHSL CORP NEW COM 22160K105 645 1,630 SH   SOLE 0 0 0 1,630
LILLY ELI & CO COM 532457108 422 1,837 SH   SOLE 0 0 0 1,837
MERCK & CO INC COM 58933Y105 529 6,805 SH   SOLE 0 0 0 6,805
MICRON TECHNOLOGY INC COM 595112103 215 2,534 SH   SOLE 0 0 0 2,534
PROCTER AND GAMBLE CO COM 742718109 464 3,439 SH   SOLE 0 0 0 3,439
KIMBERLY-CLARK CORP COM 494368103 222 1,660 SH   SOLE 0 0 0 1,660
GILEAD SCIENCES INC COM 375558103 586 8,507 SH   SOLE 0 0 0 8,507
HOME DEPOT INC COM 437076102 1,121 3,514 SH   SOLE 0 0 0 3,514
TRANE TECHNOLOGIES PLC SHS G8994E103 252 1,367 SH   SOLE 0 0 0 1,367
NIKE INC CL B 654106103 453 2,933 SH   SOLE 0 0 0 2,933
JPMORGAN CHASE & CO COM 46625H100 1,112 7,147 SH   SOLE 0 0 0 7,147
HP INC COM 40434L105 789 26,125 SH   SOLE 0 0 0 26,125
UNITEDHEALTH GROUP INC COM 91324P102 841 2,099 SH   SOLE 0 0 0 2,099
AMERICAN TOWER CORP NEW COM 03027X100 469 1,735 SH   SOLE 0 0 0 1,735
COMCAST CORP NEW CL A 20030N101 703 12,326 SH   SOLE 0 0 0 12,326
BARRICK GOLD CORP COM 067901108 221 10,700 SH   SOLE 0 0 0 10,700
NEXTERA ENERGY INC COM 65339F101 257 3,508 SH   SOLE 0 0 0 3,508
CONSTELLATION BRANDS INC CL A 21036P108 532 2,276 SH   SOLE 0 0 0 2,276
CSX CORP COM 126408103 516 16,080 SH   SOLE 0 0 0 16,080
APPLE INC COM 037833100 2,828 20,645 SH   SOLE 0 0 0 20,645
LAM RESEARCH CORP COM 512807108 628 965 SH   SOLE 0 0 0 965
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 776 4,250 SH   SOLE 0 0 0 4,250
ISHARES TR MSCI EMG MKT ETF 464287234 588 10,666 SH   SOLE 0 0 0 10,666
GENERAL MLS INC COM 370334104 348 5,709 SH   SOLE 0 0 0 5,709
KELLOGG CO COM 487836108 302 4,700 SH   SOLE 0 0 0 4,700
S&P GLOBAL INC COM 78409V104 260 633 SH   SOLE 0 0 0 633
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,229 114,700 SH   SOLE 0 0 0 114,700
TEXAS PACIFIC LAND CORPORATI COM 88262P102 3,091 1,932 SH   SOLE 0 0 0 1,932
VALERO ENERGY CORP COM 91913Y100 269 3,440 SH   SOLE 0 0 0 3,440
PNC FINL SVCS GROUP INC COM 693475105 307 1,609 SH   SOLE 0 0 0 1,609
CME GROUP INC COM 12572Q105 483 2,272 SH   SOLE 0 0 0 2,272
BOSTON SCIENTIFIC CORP COM 101137107 470 10,985 SH   SOLE 0 0 0 10,985
ISHARES TR TIPS BD ETF 464287176 458 3,575 SH   SOLE 0 0 0 3,575
AIR PRODS & CHEMS INC COM 009158106 655 2,277 SH   SOLE 0 0 0 2,277
NVIDIA CORPORATION COM 67066G104 1,201 1,501 SH   SOLE 0 0 0 1,501
V F CORP COM 918204108 357 4,351 SH   SOLE 0 0 0 4,351
EATON CORP PLC SHS G29183103 269 1,817 SH   SOLE 0 0 0 1,817
UNITED RENTALS INC COM 911363109 431 1,350 SH   SOLE 0 0 0 1,350
MOODYS CORP COM 615369105 273 754 SH   SOLE 0 0 0 754
ENTERPRISE PRODS PARTNERS L COM 293792107 217 9,000 SH   SOLE 0 0 0 9,000
ALPHABET INC CAP STK CL A 02079K305 2,815 1,153 SH   SOLE 0 0 0 1,153
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,144 13,895 SH   SOLE 0 0 0 13,895
VANGUARD INDEX FDS VALUE ETF 922908744 5,788 42,106 SH   SOLE 0 0 0 42,106
REGENERON PHARMACEUTICALS COM 75886F107 269 481 SH   SOLE 0 0 0 481
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,217 4,926 SH   SOLE 0 0 0 4,926
VANGUARD INDEX FDS MID CAP ETF 922908629 1,131 4,766 SH   SOLE 0 0 0 4,766
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,412 48,440 SH   SOLE 0 0 0 48,440
VANGUARD WORLD FDS MATERIALS ETF 92204A801 618 3,420 SH   SOLE 0 0 0 3,420
LAS VEGAS SANDS CORP COM 517834107 336 6,380 SH   SOLE 0 0 0 6,380
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,409 10,694 SH   SOLE 0 0 0 10,694
VANGUARD INDEX FDS GROWTH ETF 922908736 1,938 6,758 SH   SOLE 0 0 0 6,758
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 226 2,500 SH   SOLE 0 0 0 2,500
VIACOMCBS INC CL B 92556H206 572 12,655 SH   SOLE 0 0 0 12,655
SPDR SER TR S&P DIVID ETF 78464A763 740 6,048 SH   SOLE 0 0 0 6,048
ISHARES TR EAFE VALUE ETF 464288877 2,319 44,800 SH   SOLE 0 0 0 44,800
ISHARES TR EAFE GRWTH ETF 464288885 1,016 9,475 SH   SOLE 0 0 0 9,475
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,709 11,880 SH   SOLE 0 0 0 11,880
M & T BK CORP COM 55261F104 306 2,105 SH   SOLE 0 0 0 2,105
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,342 3,365 SH   SOLE 0 0 0 3,365
YORK WTR CO COM 987184108 231 5,090 SH   SOLE 0 0 0 5,090
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,376 4,383 SH   SOLE 0 0 0 4,383
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,272 6,476 SH   SOLE 0 0 0 6,476
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,799 26,750 SH   SOLE 0 0 0 26,750
WISDOMTREE TR INTL SMCAP DIV 97717W760 4,262 57,064 SH   SOLE 0 0 0 57,064
VANGUARD INDEX FDS LARGE CAP ETF 922908637 261 1,300 SH   SOLE 0 0 0 1,300
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 981 4,152 SH   SOLE 0 0 0 4,152
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,314 9,350 SH   SOLE 0 0 0 9,350
ISHARES TR PFD AND INCM SEC 464288687 1,040 26,438 SH   SOLE 0 0 0 26,438
ISHARES TR INTL SEL DIV ETF 464288448 1,429 44,110 SH   SOLE 0 0 0 44,110
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,943 18,546 SH   SOLE 0 0 0 18,546
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,095 21,245 SH   SOLE 0 0 0 21,245
ISHARES TR NATIONAL MUN ETF 464288414 5,558 47,427 SH   SOLE 0 0 0 47,427
ISHARES TR EAFE SML CP ETF 464288273 809 10,909 SH   SOLE 0 0 0 10,909
VISA INC COM CL A 92826C839 1,036 4,431 SH   SOLE 0 0 0 4,431
PHILIP MORRIS INTL INC COM 718172109 318 3,208 SH   SOLE 0 0 0 3,208
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 354 21,050 SH   SOLE 0 0 0 21,050
ISHARES TR SHRT NAT MUN ETF 464288158 3,673 34,063 SH   SOLE 0 0 0 34,063
BROADCOM INC COM 11135F101 243 510 SH   SOLE 0 0 0 510
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 1,898 111,707 SH   SOLE 0 0 0 111,707
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 630 15,973 SH   SOLE 0 0 0 15,973
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 665 6,398 SH   SOLE 0 0 0 6,398
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,756 36,049 SH   SOLE 0 0 0 36,049
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,710 18,569 SH   SOLE 0 0 0 18,569
SORRENTO THERAPEUTICS INC COM NEW 83587F202 279 28,760 SH   SOLE 0 0 0 28,760
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,202 100,998 SH   SOLE 0 0 0 100,998
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,233 37,490 SH   SOLE 0 0 0 37,490
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 6,152 196,045 SH   SOLE 0 0 0 196,045
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 418 2,299 SH   SOLE 0 0 0 2,299
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 223 3,200 SH   SOLE 0 0 0 3,200
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,383 11,138 SH   SOLE 0 0 0 11,138
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 692 7,179 SH   SOLE 0 0 0 7,179
SHOPIFY INC CL A 82509L107 532 364 SH   SOLE 0 0 0 364
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,352 42,828 SH   SOLE 0 0 0 42,828
SPDR SER TR BLOMBRG BRC EMRG 78464A391 4,233 160,162 SH   SOLE 0 0 0 160,162
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 487 22,000 SH   SOLE 0 0 0 22,000
SPDR SER TR COMP SOFTWARE 78464A599 416 2,425 SH   SOLE 0 0 0 2,425
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,511 33,207 SH   SOLE 0 0 0 33,207
FACEBOOK INC CL A 30303M102 1,340 3,855 SH   SOLE 0 0 0 3,855
ABBVIE INC COM 00287Y109 1,908 16,935 SH   SOLE 0 0 0 16,935
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 546 25,874 SH   SOLE 0 0 0 25,874
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 279 8,392 SH   SOLE 0 0 0 8,392
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,034 47,908 SH   SOLE 0 0 0 47,908
ISHARES TR 0-5YR INVT GR CP 46434V100 2,975 57,393 SH   SOLE 0 0 0 57,393
ISHARES TR GLOBAL REIT ETF 46434V647 251 9,072 SH   SOLE 0 0 0 9,072
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 604 27,785 SH   SOLE 0 0 0 27,785
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 9,047 387,450 SH   SOLE 0 0 0 387,450
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 1,249 54,265 SH   SOLE 0 0 0 54,265
ISHARES TR EXPONENTIAL TECH 46434V381 298 4,713 SH   SOLE 0 0 0 4,713
PAYPAL HLDGS INC COM 70450Y103 432 1,483 SH   SOLE 0 0 0 1,483
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,224 22,129 SH   SOLE 0 0 0 22,129
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 2,459 96,546 SH   SOLE 0 0 0 96,546
SQUARE INC CL A 852234103 231 949 SH   SOLE 0 0 0 949
ISHARES TR MSCI INTL VLU FT 46435G409 413 15,986 SH   SOLE 0 0 0 15,986
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,421 20,900 SH   SOLE 0 0 0 20,900
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,028 34,608 SH   SOLE 0 0 0 34,608
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 1,277 50,742 SH   SOLE 0 0 0 50,742
ETFS TR BBRG ALL COMD K1 003261104 993 37,650 SH   SOLE 0 0 0 37,650
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 287 5,649 SH   SOLE 0 0 0 5,649
GLOBAL X FDS US PFD ETF 37954Y657 12,435 475,166 SH   SOLE 0 0 0 475,166
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 253 6,000 SH   SOLE 0 0 0 6,000
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,420 27,813 SH   SOLE 0 0 0 27,813
J P MORGAN EXCHANGE-TRADED F MUNICIPAL ETF 46641Q647 1,237 22,396 SH   SOLE 0 0 0 22,396
INNOVATOR ETFS TR S&P 500 PWR BU 45782C748 248 8,000 SH   SOLE 0 0 0 8,000
OTIS WORLDWIDE CORP COM 68902V107 448 5,476 SH   SOLE 0 0 0 5,476
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,624 124,019 SH   SOLE 0 0 0 124,019
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 3,422 115,517 SH   SOLE 0 0 0 115,517
SORRENTO THERAPEUTICS INC COM NEW 83587F202 22 3,500 SH Call SOLE 0 0 0 3,500
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 848 31,431 SH   SOLE 0 0 0 31,431
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 253 5,658 SH   SOLE 0 0 0 5,658