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
ALPHABET INC CAP STK CL C 02079K107 484 173 SH   SOLE Stillwater Capital Advisors 173 0 0
ALPHABET INC CAP STK CL A 02079K305 23,472 8,439 SH   SOLE Stillwater Capital Advisors 8,439 0 0
AMAZON COM INC COM 023135106 733 225 SH   SOLE Stillwater Capital Advisors 225 0 0
APPLE INC COM 037833100 53,949 308,968 SH   SOLE Stillwater Capital Advisors 308,968 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 473 1,339 SH   SOLE Stillwater Capital Advisors 1,339 0 0
BLACKROCK INC COM 09247X101 15,594 20,406 SH   SOLE Stillwater Capital Advisors 20,406 0 0
BLACKROCK MUNIYIELD PA QLTY COM 09255G107 174 13,366 SH   SOLE Stillwater Capital Advisors 13,366 0 0
BROADCOM INC COM 11135F101 21,588 34,283 SH   SOLE Stillwater Capital Advisors 34,283 0 0
CHEVRON CORP NEW COM 166764100 525 3,223 SH   SOLE Stillwater Capital Advisors 3,223 0 0
CROWN HLDGS INC COM 228368106 489 3,908 SH   SOLE Stillwater Capital Advisors 3,908 0 0
DISNEY WALT CO COM 254687106 12,425 90,589 SH   SOLE Stillwater Capital Advisors 90,589 0 0
ESSENTIAL UTILS INC COM 29670G102 202 3,957 SH   SOLE Stillwater Capital Advisors 3,957 0 0
EXXON MOBIL CORP COM 30231G102 381 4,611 SH   SOLE Stillwater Capital Advisors 4,611 0 0
FIFTH THIRD BANCORP COM 316773100 12,357 287,104 SH   SOLE Stillwater Capital Advisors 287,104 0 0
HOME DEPOT INC COM 437076102 16,787 56,083 SH   SOLE Stillwater Capital Advisors 56,083 0 0
INVESCO PA VALUE MUN INC TR COM 46132K109 134 11,480 SH   SOLE Stillwater Capital Advisors 11,480 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 254 5,630 SH   SOLE Stillwater Capital Advisors 5,630 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 469 2,286 SH   SOLE Stillwater Capital Advisors 2,286 0 0
ISHARES TR RUS MID CAP ETF 464287499 547 7,009 SH   SOLE Stillwater Capital Advisors 7,009 0 0
ISHARES TR CORE US AGGBD ET 464287226 747 6,975 SH   SOLE Stillwater Capital Advisors 6,975 0 0
ISHARES TR US CONSM STAPLES 464287812 823 4,109 SH   SOLE Stillwater Capital Advisors 4,109 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 848 16,395 SH   SOLE Stillwater Capital Advisors 16,395 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,649 16,104 SH   SOLE Stillwater Capital Advisors 16,104 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,260 13,618 SH   SOLE Stillwater Capital Advisors 13,618 0 0
ISHARES TR US CONSUM DISCRE 464287580 3,611 48,121 SH   SOLE Stillwater Capital Advisors 48,121 0 0
ISHARES TR US INDUSTRIALS 464287754 3,925 37,229 SH   SOLE Stillwater Capital Advisors 37,229 0 0
ISHARES TR US HLTHCARE ETF 464287762 6,936 24,017 SH   SOLE Stillwater Capital Advisors 24,017 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 9,899 35,655 SH   SOLE Stillwater Capital Advisors 35,655 0 0
ISHARES TR U.S. TECH ETF 464287721 14,862 144,240 SH   SOLE Stillwater Capital Advisors 144,240 0 0
ISHARES TR U.S. FINLS ETF 464287788 17,761 210,117 SH   SOLE Stillwater Capital Advisors 210,117 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 20,677 409,288 SH   SOLE Stillwater Capital Advisors 409,288 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 17,374 350,500 SH   SOLE Stillwater Capital Advisors 350,500 0 0
JPMORGAN CHASE & CO COM 46625H100 16,593 121,722 SH   SOLE Stillwater Capital Advisors 121,722 0 0
LAM RESEARCH CORP COM 512807108 374 695 SH   SOLE Stillwater Capital Advisors 695 0 0
LILLY ELI & CO COM 532457108 227 792 SH   SOLE Stillwater Capital Advisors 792 0 0
MARRIOTT INTL INC NEW CL A 571903202 14,553 82,804 SH   SOLE Stillwater Capital Advisors 82,804 0 0
MEDTRONIC PLC SHS G5960L103 11,874 107,023 SH   SOLE Stillwater Capital Advisors 107,023 0 0
MERCK & CO INC COM 58933Y105 17,000 207,196 SH   SOLE Stillwater Capital Advisors 207,196 0 0
MICROSOFT CORP COM 594918104 41,622 135,000 SH   SOLE Stillwater Capital Advisors 135,000 0 0
MONDELEZ INTL INC CL A 609207105 12,905 205,570 SH   SOLE Stillwater Capital Advisors 205,570 0 0
NIKE INC CL B 654106103 12,764 94,857 SH   SOLE Stillwater Capital Advisors 94,857 0 0
NVIDIA CORPORATION COM 67066G104 17,702 64,876 SH   SOLE Stillwater Capital Advisors 64,876 0 0
PFIZER INC COM 717081103 17,076 329,836 SH   SOLE Stillwater Capital Advisors 329,836 0 0
PPG INDS INC COM 693506107 262 2,000 SH   SOLE Stillwater Capital Advisors 2,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 19,494 196,771 SH   SOLE Stillwater Capital Advisors 196,771 0 0
SALESFORCE COM INC COM 79466L302 10,193 48,008 SH   SOLE Stillwater Capital Advisors 48,008 0 0
SANOFI SPONSORED ADR 80105N105 201 3,920 SH   SOLE Stillwater Capital Advisors 3,920 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 327 4,305 SH   SOLE Stillwater Capital Advisors 4,305 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 471 8,742 SH   SOLE Stillwater Capital Advisors 8,742 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,202 16,142 SH   SOLE Stillwater Capital Advisors 16,142 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,137 24,249 SH   SOLE Stillwater Capital Advisors 24,249 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,916 51,596 SH   SOLE Stillwater Capital Advisors 51,596 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,380 57,298 SH   SOLE Stillwater Capital Advisors 57,298 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 4,971 72,263 SH   SOLE Stillwater Capital Advisors 72,263 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 6,111 59,334 SH   SOLE Stillwater Capital Advisors 59,334 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 10,649 77,731 SH   SOLE Stillwater Capital Advisors 77,731 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 11,243 60,772 SH   SOLE Stillwater Capital Advisors 60,772 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 23,406 147,276 SH   SOLE Stillwater Capital Advisors 147,276 0 0
SHERWIN WILLIAMS CO COM 824348106 1,075 4,305 SH   SOLE Stillwater Capital Advisors 4,305 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 214 474 SH   SOLE Stillwater Capital Advisors 474 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 1,606 53,295 SH   SOLE Stillwater Capital Advisors 53,295 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,654 19,733 SH   SOLE Stillwater Capital Advisors 19,733 0 0
SPDR SER TR S&P KENSHO NEW 78468R648 1,885 36,270 SH   SOLE Stillwater Capital Advisors 36,270 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 13,709 23,210 SH   SOLE Stillwater Capital Advisors 23,210 0 0
UNITED PARCEL SERVICE INC CL B 911312106 15,900 74,140 SH   SOLE Stillwater Capital Advisors 74,140 0 0
UNITEDHEALTH GROUP INC COM 91324P102 19,724 38,677 SH   SOLE Stillwater Capital Advisors 38,677 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 269 936 SH   SOLE Stillwater Capital Advisors 936 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,136 5,345 SH   SOLE Stillwater Capital Advisors 5,345 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,245 5,235 SH   SOLE Stillwater Capital Advisors 5,235 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,533 16,922 SH   SOLE Stillwater Capital Advisors 16,922 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,053 22,837 SH   SOLE Stillwater Capital Advisors 22,837 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,207 45,955 SH   SOLE Stillwater Capital Advisors 45,955 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,718 50,941 SH   SOLE Stillwater Capital Advisors 50,941 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 252 4,955 SH   SOLE Stillwater Capital Advisors 4,955 0 0
VISA INC COM CL A 92826C839 14,833 66,885 SH   SOLE Stillwater Capital Advisors 66,885 0 0
WALMART INC COM 931142103 13,376 89,822 SH   SOLE Stillwater Capital Advisors 89,822 0 0