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
ABBOTT LABS COM 002824100 233 2,949 SH   SOLE   0 0 2,949
ABBVIE INC COM 00287Y109 327 4,287 SH   SOLE   0 0 4,287
ALPHABET INC CAP STK CL A 02079K305 6,168 5,308 SH   SOLE   0 0 5,308
AMAZON COM INC COM 023135106 8,372 4,294 SH   SOLE   0 0 4,294
APPLE INC COM 037833100 4,265 16,773 SH   SOLE   0 0 16,773
AT&T INC COM 00206R102 1,445 49,564 SH   SOLE   0 0 49,564
AUTOMATIC DATA PROCESSING IN COM 053015103 1,968 14,401 SH   SOLE   0 0 14,401
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,020 11,051 SH   SOLE   0 0 11,051
BLACKROCK INC COM 09247X101 1,265 2,875 SH   SOLE   0 0 2,875
BRISTOL-MYERS SQUIBB CO COM 110122108 1,942 34,834 SH   SOLE   0 0 34,834
CHEVRON CORP NEW COM 166764100 2,276 31,410 SH   SOLE   0 0 31,410
CISCO SYS INC COM 17275R102 386 9,821 SH   SOLE   0 0 9,821
CITIZENS FINANCIAL GROUP INC COM 174610105 617 32,821 SH   SOLE   0 0 32,821
COLGATE PALMOLIVE CO COM 194162103 475 7,155 SH   SOLE   0 0 7,155
COMCAST CORP NEW CL A 20030N101 305 8,876 SH   SOLE   0 0 8,876
COSTCO WHSL CORP NEW COM 22160K105 4,847 16,999 SH   SOLE   0 0 16,999
D R HORTON INC COM 23331A109 506 14,869 SH   SOLE   0 0 14,869
DISNEY WALT CO COM DISNEY 254687106 4,111 42,561 SH   SOLE   0 0 42,561
EASTMAN CHEM CO COM 277432100 597 12,822 SH   SOLE   0 0 12,822
EDWARDS LIFESCIENCES CORP COM 28176E108 1,616 8,568 SH   SOLE   0 0 8,568
EOG RES INC COM 26875P101 374 10,402 SH   SOLE   0 0 10,402
EXXON MOBIL CORP COM 30231G102 1,133 29,826 SH   SOLE   0 0 29,826
FACEBOOK INC CL A 30303M102 1,557 9,332 SH   SOLE   0 0 9,332
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 543 4,390 SH   SOLE   0 0 4,390
FIRST TR NASDAQ-100 TECH IND SHS 337345102 491 5,815 SH   SOLE   0 0 5,815
FULTON FINL CORP PA COM 360271100 528 45,930 SH   SOLE   0 0 45,930
GENERAL DYNAMICS CORP COM 369550108 261 1,970 SH   SOLE   0 0 1,970
HENRY SCHEIN INC COM 806407102 1,003 19,855 SH   SOLE   0 0 19,855
HERSHEY CO COM 427866108 984 7,428 SH   SOLE   0 0 7,428
HOLOGIC INC COM 436440101 932 26,555 SH   SOLE   0 0 26,555
HP INC COM 40434L105 959 55,216 SH   SOLE   0 0 55,216
ILLINOIS TOOL WKS INC COM 452308109 922 6,485 SH   SOLE   0 0 6,485
INGERSOLL RAND INC COM 45687V106 246 9,925 SH   SOLE   0 0 9,925
INTEL CORP COM 458140100 404 7,457 SH   SOLE   0 0 7,457
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,329 16,459 SH   SOLE   0 0 16,459
ISHARES INC CORE MSCI EMKT 46434G103 9,081 224,382 SH   SOLE   0 0 224,382
ISHARES TR CORE S&P500 ETF 464287200 42,156 163,144 SH   SOLE   0 0 163,144
ISHARES TR CORE US AGGBD ET 464287226 816 7,071 SH   SOLE   0 0 7,071
ISHARES TR S&P 500 GRWT ETF 464287309 6,215 37,657 SH   SOLE   0 0 37,657
ISHARES TR S&P 500 VAL ETF 464287408 4,791 49,776 SH   SOLE   0 0 49,776
ISHARES TR MSCI EAFE ETF 464287465 375 7,015 SH   SOLE   0 0 7,015
ISHARES TR RUS MID CAP ETF 464287499 390 9,037 SH   SOLE   0 0 9,037
ISHARES TR CORE S&P MCP ETF 464287507 14,662 101,918 SH   SOLE   0 0 101,918
ISHARES TR RUSSELL 2000 ETF 464287655 966 8,437 SH   SOLE   0 0 8,437
ISHARES TR RUSSELL 3000 ETF 464287689 249 1,678 SH   SOLE   0 0 1,678
ISHARES TR CORE S&P SCP ETF 464287804 12,032 214,434 SH   SOLE   0 0 214,434
ISHARES TR AGENCY BOND ETF 464288166 8,127 67,413 SH   SOLE   0 0 67,413
ISHARES TR MBS ETF 464288588 9,119 82,570 SH   SOLE   0 0 82,570
ISHARES TR 3 7 YR TREAS BD 464288661 7,323 54,917 SH   SOLE   0 0 54,917
ISHARES TR A RATE CP BD ETF 46429B291 2,880 52,229 SH   SOLE   0 0 52,229
ISHARES TR CORE MSCI EAFE 46432F842 58,604 1,174,656 SH   SOLE   0 0 1,174,656
ISHARES TR ESG MSCI USA ETF 46435G425 205 3,573 SH   SOLE   0 0 3,573
JOHNSON & JOHNSON COM 478160104 6,214 47,390 SH   SOLE   0 0 47,390
JPMORGAN CHASE & CO COM 46625H100 1,538 17,082 SH   SOLE   0 0 17,082
LAMAR ADVERTISING CO NEW CL A 512816109 627 12,218 SH   SOLE   0 0 12,218
LOCKHEED MARTIN CORP COM 539830109 1,496 4,414 SH   SOLE   0 0 4,414
M & T BK CORP COM 55261F104 286 2,769 SH   SOLE   0 0 2,769
MARKEL CORP COM 570535104 724 780 SH   SOLE   0 0 780
MARSH & MCLENNAN COS INC COM 571748102 314 3,631 SH   SOLE   0 0 3,631
MASCO CORP COM 574599106 1,049 30,351 SH   SOLE   0 0 30,351
MASTERCARD INC CL A 57636Q104 6,474 26,801 SH   SOLE   0 0 26,801
MCDONALDS CORP COM 580135101 2,260 13,666 SH   SOLE   0 0 13,666
MICROSOFT CORP COM 594918104 10,781 68,358 SH   SOLE   0 0 68,358
MID AMER APT CMNTYS INC COM 59522J103 1,516 14,713 SH   SOLE   0 0 14,713
NIKE INC CL B 654106103 2,056 24,854 SH   SOLE   0 0 24,854
NOVO-NORDISK A S ADR 670100205 2,933 48,724 SH   SOLE   0 0 48,724
ORACLE CORP COM 68389X105 317 6,549 SH   SOLE   0 0 6,549
PEPSICO INC COM 713448108 1,515 12,617 SH   SOLE   0 0 12,617
PFIZER INC COM 717081103 419 12,829 SH   SOLE   0 0 12,829
PROCTER & GAMBLE CO COM 742718109 2,127 19,338 SH   SOLE   0 0 19,338
PRUDENTIAL FINL INC COM 744320102 643 12,333 SH   SOLE   0 0 12,333
ROPER TECHNOLOGIES INC COM 776696106 3,331 10,683 SH   SOLE   0 0 10,683
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,494 41,271 SH   SOLE   0 0 41,271
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 38,166 623,113 SH   SOLE   0 0 623,113
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,386 80,177 SH   SOLE   0 0 80,177
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,945 111,708 SH   SOLE   0 0 111,708
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 21,334 506,016 SH   SOLE   0 0 506,016
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,412 279,744 SH   SOLE   0 0 279,744
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,989 482,786 SH   SOLE   0 0 482,786
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 749 16,661 SH   SOLE   0 0 16,661
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,531 601,039 SH   SOLE   0 0 601,039
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,896 71,789 SH   SOLE   0 0 71,789
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,877 82,970 SH   SOLE   0 0 82,970
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,080 54,758 SH   SOLE   0 0 54,758
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,315 8,980 SH   SOLE   0 0 8,980
THERMO FISHER SCIENTIFIC INC COM 883556102 6,100 21,509 SH   SOLE   0 0 21,509
TRANE TECHNOLOGIES PLC SHS G8994E103 922 11,169 SH   SOLE   0 0 11,169
TRUIST FINL CORP COM 89832Q109 1,649 53,481 SH   SOLE   0 0 53,481
UNDER ARMOUR INC CL A 904311107 489 53,068 SH   SOLE   0 0 53,068
UNION PAC CORP COM 907818108 3,835 27,189 SH   SOLE   0 0 27,189
UNITED RENTALS INC COM 911363109 915 8,894 SH   SOLE   0 0 8,894
UNITEDHEALTH GROUP INC COM 91324P102 828 3,321 SH   SOLE   0 0 3,321
US BANCORP DEL COM NEW 902973304 711 20,648 SH   SOLE   0 0 20,648
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,282 5,414 SH   SOLE   0 0 5,414
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 263 2,079 SH   SOLE   0 0 2,079
VANGUARD INDEX FDS SML CP GRW ETF 922908595 327 2,176 SH   SOLE   0 0 2,176
VANGUARD INDEX FDS MID CAP ETF 922908629 5,365 40,750 SH   SOLE   0 0 40,750
VANGUARD INDEX FDS GROWTH ETF 922908736 636 4,060 SH   SOLE   0 0 4,060
VANGUARD INDEX FDS VALUE ETF 922908744 268 3,014 SH   SOLE   0 0 3,014
VANGUARD INDEX FDS TOTAL STK MKT 922908769 745 5,782 SH   SOLE   0 0 5,782
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 283 5,348 SH   SOLE   0 0 5,348
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 253 3,200 SH   SOLE   0 0 3,200
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 10,553 149,582 SH   SOLE   0 0 149,582
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 19,460 357,072 SH   SOLE   0 0 357,072
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,399 165,338 SH   SOLE   0 0 165,338
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,391 33,160 SH   SOLE   0 0 33,160
VERIZON COMMUNICATIONS INC COM 92343V104 338 6,300 SH   SOLE   0 0 6,300
VISA INC COM CL A 92826C839 231 1,433 SH   SOLE   0 0 1,433
WHIRLPOOL CORP COM 963320106 529 6,167 SH   SOLE   0 0 6,167