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
AIR PRODS & CHEMS INC COM 009158106   369,912 1,200 SH   SOLE   0 0 1,200
APPLE INC COM 037833100   823,891 6,341 SH   SOLE   0 0 6,341
ARK ETF TR INNOVATION ETF 00214Q104   667,280 14,269 SH   SOLE   0 0 14,269
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   227,042 735 SH   SOLE   0 0 735
CODORUS VY BANCORP INC COM 192025104   600,450 25,229 SH   SOLE   0 0 25,229
COLGATE PALMOLIVE CO COM 194162103   237,946 3,020 SH   SOLE   0 0 3,020
COSTCO WHSL CORP NEW COM 22160K105   233,293 511 SH   SOLE   0 0 511
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   1,972,645 26,679 SH   SOLE   0 0 26,679
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401   3,276,945 36,865 SH   SOLE   0 0 36,865
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   11,254,993 72,543 SH   SOLE   0 0 72,543
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   308,557 8,449 SH   SOLE   0 0 8,449
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   974,094 6,425 SH   SOLE   0 0 6,425
ISHARES INC CORE MSCI EMKT 46434G103   3,432,087 73,492 SH   SOLE   0 0 73,492
ISHARES TR CORE S&P500 ETF 464287200   971,667 2,529 SH   SOLE   0 0 2,529
ISHARES TR S&P 500 VAL ETF 464287408   4,349,939 29,985 SH   SOLE   0 0 29,985
ISHARES TR RUS 2000 GRW ETF 464287648   4,373,484 20,387 SH   SOLE   0 0 20,387
ISHARES TR S&P MC 400GR ETF 464287606   4,240,890 62,092 SH   SOLE   0 0 62,092
ISHARES TR CORE S&P TTL STK 464287150   235,490 2,777 SH   SOLE   0 0 2,777
ISHARES TR S&P 500 GRWT ETF 464287309   13,344,909 228,118 SH   SOLE   0 0 228,118
ISHARES TR MORNINGSTAR GRWT 464287119   2,574,024 52,876 SH   SOLE   0 0 52,876
ISHARES TR MRGSTR MD CP VAL 464288406   4,040,574 65,118 SH   SOLE   0 0 65,118
ISHARES TR MRGSTR MD CP GRW 464288307   10,182,718 188,989 SH   SOLE   0 0 188,989
ISHARES TR RUS MD CP GR ETF 464287481   39,583,708 473,489 SH   SOLE   0 0 473,489
ISHARES TR RUS 1000 GRW ETF 464287614   35,540,812 165,893 SH   SOLE   0 0 165,893
ISHARES TR MRGSTR SM CP GR 464288604   918,191 25,477 SH   SOLE   0 0 25,477
ISHARES TR CRE U S REIT ETF 464288521   6,596,565 133,399 SH   SOLE   0 0 133,399
ISHARES TR S&P SML 600 GWT 464287887   7,145,447 66,119 SH   SOLE   0 0 66,119
ISHARES TR S&P MC 400VL ETF 464287705   645,949 6,408 SH   SOLE   0 0 6,408
ISHARES TR RUS TP200 GR ETF 464289438   364,242 3,022 SH   SOLE   0 0 3,022
ISHARES TR RUS MDCP VAL ETF 464287473   16,499,154 156,628 SH   SOLE   0 0 156,628
ISHARES TR U.S. REAL ES ETF 464287739   2,789,362 33,132 SH   SOLE   0 0 33,132
ISHARES TR MRNING SM CP ETF 464288703   1,674,198 32,159 SH   SOLE   0 0 32,159
ISHARES TR SP SMCP600VL ETF 464287879   3,741,046 40,971 SH   SOLE   0 0 40,971
ISHARES TR RUS 2000 VAL ETF 464287630   673,520 4,857 SH   SOLE   0 0 4,857
ISHARES TR CORE DIVID ETF 46435U861   314,034 8,372 SH   SOLE   0 0 8,372
ISHARES TR CORE MSCI EAFE 46432F842   5,349,404 86,785 SH   SOLE   0 0 86,785
ISHARES TR MSCI EAFE MIN VL 46429B689   330,642 5,200 SH   SOLE   0 0 5,200
ISHARES TR CORE DIV GRWTH 46434V621   15,978,518 319,570 SH   SOLE   0 0 319,570
J & J SNACK FOODS CORP COM 466032109   577,581 3,858 SH   SOLE   0 0 3,858
LOWES COS INC COM 548661107   3,933,396 19,742 SH   SOLE   0 0 19,742
MICROSOFT CORP COM 594918104   1,311,233 5,468 SH   SOLE   0 0 5,468
NVIDIA CORPORATION COM 67066G104   228,348 1,563 SH   SOLE   0 0 1,563
PARKER-HANNIFIN CORP COM 701094104   905,301 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109   284,366 1,876 SH   SOLE   0 0 1,876
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,493,497 59,485 SH   SOLE   0 0 59,485
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   380,367 1,148 SH   SOLE   0 0 1,148
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   13,392,738 406,333 SH   SOLE   0 0 406,333
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,709,133 259,654 SH   SOLE   0 0 259,654
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   208,111 470 SH   SOLE   0 0 470
SPDR SER TR S&P 400 MDCP VAL 78464A839   11,353,862 175,430 SH   SOLE   0 0 175,430
SPDR SER TR S&P DIVID ETF 78464A763   610,161 4,877 SH   SOLE   0 0 4,877
SPDR SER TR RUSSELL YIELD 78468R770   273,136 2,915 SH   SOLE   0 0 2,915
SPDR SER TR PRTFLO S&P500 VL 78464A508   17,279,447 444,316 SH   SOLE   0 0 444,316
SPDR SER TR PRTFLO S&P500 GW 78464A409   30,581,755 603,548 SH   SOLE   0 0 603,548
SPDR SER TR S&P 400 MDCP GRW 78464A821   11,763,202 180,031 SH   SOLE   0 0 180,031
SPDR SER TR S&P 600 SMCP GRW 78464A201   24,970,527 345,661 SH   SOLE   0 0 345,661
SPDR SER TR S&P 600 SMCP VAL 78464A300   16,598,990 223,646 SH   SOLE   0 0 223,646
SPDR SER TR PORTFOLIO SHORT 78464A474   40,192,794 1,368,032 SH   SOLE   0 0 1,368,032
THERMO FISHER SCIENTIFIC INC COM 883556102   252,767 459 SH   SOLE   0 0 459
VALLEY NATL BANCORP COM 919794107   282,750 25,000 SH   SOLE   0 0 25,000
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,155,495 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   581,108 3,700 SH   SOLE   0 0 3,700
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   244,357 1,311 SH   SOLE   0 0 1,311
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   391,681 2,553 SH   SOLE   0 0 2,553
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   550,342 2,609 SH   SOLE   0 0 2,609
VANGUARD INDEX FDS SML CP GRW ETF 922908595   20,881,206 104,125 SH   SOLE   0 0 104,125
VANGUARD INDEX FDS SM CP VAL ETF 922908611   42,667,071 268,684 SH   SOLE   0 0 268,684
VANGUARD INDEX FDS GROWTH ETF 922908736   7,599,798 35,661 SH   SOLE   0 0 35,661
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,249,362 7,172 SH   SOLE   0 0 7,172
VANGUARD INDEX FDS VALUE ETF 922908744   47,325,906 337,151 SH   SOLE   0 0 337,151
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   15,238,922 84,774 SH   SOLE   0 0 84,774
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   208,590 1,570 SH   SOLE   0 0 1,570
VANGUARD INDEX FDS SMALL CP ETF 922908751   895,371 4,878 SH   SOLE   0 0 4,878
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,001,758 5,240 SH   SOLE   0 0 5,240
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,270,664 148,771 SH   SOLE   0 0 148,771
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   200,966 572 SH   SOLE   0 0 572
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   38,309,118 283,268 SH   SOLE   0 0 283,268
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,255,880 186,144 SH   SOLE   0 0 186,144
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,441,099 44,287 SH   SOLE   0 0 44,287
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   2,026,761 16,644 SH   SOLE   0 0 16,644
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,697,654 22,578 SH   SOLE   0 0 22,578
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   224,574 3,373 SH   SOLE   0 0 3,373
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,163,129 242,152 SH   SOLE   0 0 242,152
VANGUARD WORLD FD MEGA GRWTH IND 921910816   468,719 2,724 SH   SOLE   0 0 2,724