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
AIR PRODS & CHEMS INC COM 009158106 289 1,200 SH   SOLE   0 0 1,200
APPLE INC COM 037833100 879 6,431 SH   SOLE   0 0 6,431
ARK ETF TR INNOVATION ETF 00214Q104 864 17,791 SH   SOLE   0 0 17,791
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 259 950 SH   SOLE   0 0 950
CODORUS VY BANCORP INC COM 192025104 568 25,229 SH   SOLE   0 0 25,229
COLGATE PALMOLIVE CO COM 194162103 242 3,020 SH   SOLE   0 0 3,020
COSTCO WHSL CORP NEW COM 22160K105 245 511 SH   SOLE   0 0 511
FIFTH THIRD BANCORP COM 316773100 205 6,100 SH   SOLE   0 0 6,100
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 1,921 27,500 SH   SOLE   0 0 27,500
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 278 8,044 SH   SOLE   0 0 8,044
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 3,272 39,015 SH   SOLE   0 0 39,015
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 978 6,627 SH   SOLE   0 0 6,627
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 11,261 75,987 SH   SOLE   0 0 75,987
ISHARES INC CORE MSCI EMKT 46434G103 5,365 109,353 SH   SOLE   0 0 109,353
ISHARES TR RUS 2000 VAL ETF 464287630 645 4,738 SH   SOLE   0 0 4,738
ISHARES TR RUS MD CP GR ETF 464287481 36,425 459,797 SH   SOLE   0 0 459,797
ISHARES TR S&P SML 600 GWT 464287887 6,899 65,500 SH   SOLE   0 0 65,500
ISHARES TR U.S. REAL ES ETF 464287739 1,541 16,749 SH   SOLE   0 0 16,749
ISHARES TR MRGSTR SM CP GR 464288604 783 22,158 SH   SOLE   0 0 22,158
ISHARES TR RUS 2000 GRW ETF 464287648 4,082 19,785 SH   SOLE   0 0 19,785
ISHARES TR MRGSTR MD CP VAL 464288406 3,982 67,084 SH   SOLE   0 0 67,084
ISHARES TR S&P MC 400GR ETF 464287606 3,845 60,335 SH   SOLE   0 0 60,335
ISHARES TR S&P 500 GRWT ETF 464287309 14,006 232,074 SH   SOLE   0 0 232,074
ISHARES TR S&P MC 400VL ETF 464287705 476 5,044 SH   SOLE   0 0 5,044
ISHARES TR S&P 500 VAL ETF 464287408 4,214 30,657 SH   SOLE   0 0 30,657
ISHARES TR SP SMCP600VL ETF 464287879 3,507 39,390 SH   SOLE   0 0 39,390
ISHARES TR MORNINGSTAR GRWT 464287119 2,738 54,671 SH   SOLE   0 0 54,671
ISHARES TR CORE S&P500 ETF 464287200 1,016 2,679 SH   SOLE   0 0 2,679
ISHARES TR CRE U S REIT ETF 464288521 3,793 71,023 SH   SOLE   0 0 71,023
ISHARES TR RUS MDCP VAL ETF 464287473 15,924 156,781 SH   SOLE   0 0 156,781
ISHARES TR CORE S&P TTL STK 464287150 237 2,831 SH   SOLE   0 0 2,831
ISHARES TR MRGSTR MD CP GRW 464288307 7,786 149,901 SH   SOLE   0 0 149,901
ISHARES TR RUS TP200 GR ETF 464289438 322 2,572 SH   SOLE   0 0 2,572
ISHARES TR MRNING SM CP ETF 464288703 1,652 32,837 SH   SOLE   0 0 32,837
ISHARES TR RUS 1000 GRW ETF 464287614 35,044 160,237 SH   SOLE   0 0 160,237
ISHARES TR CORE MSCI EAFE 46432F842 5,949 101,083 SH   SOLE   0 0 101,083
ISHARES TR US DIVID BYBCK 46435U861 310 8,537 SH   SOLE   0 0 8,537
ISHARES TR MSCI EAFE MIN VL 46429B689 329 5,200 SH   SOLE   0 0 5,200
ISHARES TR CORE DIV GRWTH 46434V621 16,477 345,858 SH   SOLE   0 0 345,858
J & J SNACK FOODS CORP COM 466032109 539 3,858 SH   SOLE   0 0 3,858
JOHNSON & JOHNSON COM 478160104 312 1,758 SH   SOLE   0 0 1,758
LOWES COS INC COM 548661107 3,542 20,276 SH   SOLE   0 0 20,276
MICROSOFT CORP COM 594918104 1,530 5,959 SH   SOLE   0 0 5,959
NVIDIA CORPORATION COM 67066G104 278 1,832 SH   SOLE   0 0 1,832
PARKER-HANNIFIN CORP COM 701094104 765 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109 275 1,914 SH   SOLE   0 0 1,914
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,937 54,963 SH   SOLE   0 0 54,963
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 211 3,643 SH   SOLE   0 0 3,643
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 380 1,233 SH   SOLE   0 0 1,233
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,172 283,374 SH   SOLE   0 0 283,374
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 19,975 574,498 SH   SOLE   0 0 574,498
SPDR SER TR PRTFLO S&P500 GW 78464A409 27,273 521,678 SH   SOLE   0 0 521,678
SPDR SER TR PORTFOLIO SHORT 78464A474 41,475 1,395,072 SH   SOLE   0 0 1,395,072
SPDR SER TR PRTFLO S&P500 VL 78464A508 16,434 446,346 SH   SOLE   0 0 446,346
SPDR SER TR S&P DIVID ETF 78464A763 579 4,877 SH   SOLE   0 0 4,877
SPDR SER TR S&P 400 MDCP GRW 78464A821 10,181 167,012 SH   SOLE   0 0 167,012
SPDR SER TR S&P 600 SMCP GRW 78464A201 20,692 293,508 SH   SOLE   0 0 293,508
SPDR SER TR S&P 600 SMCP VAL 78464A300 14,595 201,567 SH   SOLE   0 0 201,567
SPDR SER TR S&P 400 MDCP VAL 78464A839 9,649 159,491 SH   SOLE   0 0 159,491
SPDR SER TR RUSSELL YIELD 78468R770 286 3,213 SH   SOLE   0 0 3,213
THERMO FISHER SCIENTIFIC INC COM 883556102 266 489 SH   SOLE   0 0 489
VALLEY NATL BANCORP COM 919794107 281 27,000 SH   SOLE   0 0 27,000
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,096 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 553 2,543 SH   SOLE   0 0 2,543
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 369 2,553 SH   SOLE   0 0 2,553
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 591 3,840 SH   SOLE   0 0 3,840
VANGUARD INDEX FDS SMALL CP ETF 922908751 697 3,957 SH   SOLE   0 0 3,957
VANGUARD INDEX FDS GROWTH ETF 922908736 9,219 41,362 SH   SOLE   0 0 41,362
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,234 7,162 SH   SOLE   0 0 7,162
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 36,038 278,241 SH   SOLE   0 0 278,241
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 210 1,601 SH   SOLE   0 0 1,601
VANGUARD INDEX FDS TOTAL STK MKT 922908769 903 4,787 SH   SOLE   0 0 4,787
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 13,819 78,792 SH   SOLE   0 0 78,792
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 220 633 SH   SOLE   0 0 633
VANGUARD INDEX FDS VALUE ETF 922908744 46,178 350,153 SH   SOLE   0 0 350,153
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,320 80,342 SH   SOLE   0 0 80,342
VANGUARD INDEX FDS SML CP GRW ETF 922908595 17,883 90,760 SH   SOLE   0 0 90,760
VANGUARD INDEX FDS SM CP VAL ETF 922908611 38,267 255,417 SH   SOLE   0 0 255,417
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,567 253,700 SH   SOLE   0 0 253,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,377 31,169 SH   SOLE   0 0 31,169
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 235 3,703 SH   SOLE   0 0 3,703
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,038 17,104 SH   SOLE   0 0 17,104
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,924 34,191 SH   SOLE   0 0 34,191
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 10,833 265,512 SH   SOLE   0 0 265,512
VANGUARD WORLD FD MEGA GRWTH IND 921910816 510 2,808 SH   SOLE   0 0 2,808