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 356 3,248 SH   SOLE   0 0 3,248
ABBVIE INC COM 00287Y109 464 4,329 SH   SOLE   0 0 4,329
ADOBE SYSTEMS INCORPORATED COM 00724F101 253 505 SH   SOLE   0 0 505
ALPHABET INC CAP STK CL A 02079K305 9,059 5,169 SH   SOLE   0 0 5,169
ALPHABET INC CAP STK CL C 02079K107 261 149 SH   SOLE   0 0 149
ALTRIA GROUP INC COM 02209S103 207 5,040 SH   SOLE   0 0 5,040
AMAZON COM INC COM 023135106 13,539 4,157 SH   SOLE   0 0 4,157
AMERICAN TOWER CORP NEW COM 03027X100 1,269 5,656 SH   SOLE   0 0 5,656
APPLE INC COM 037833100 14,410 108,598 SH   SOLE   0 0 108,598
AT&T INC COM 00206R102 1,272 44,239 SH   SOLE   0 0 44,239
AUTOMATIC DATA PROCESSING IN COM 053015103 2,083 11,819 SH   SOLE   0 0 11,819
BANK NEW YORK MELLON CORP COM 064058100 201 4,735 SH   SOLE   0 0 4,735
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,190 9,443 SH   SOLE   0 0 9,443
BLACKSTONE GROUP INC COM CL A 09260D107 1,832 28,262 SH   SOLE   0 0 28,262
BRISTOL-MYERS SQUIBB CO COM 110122108 2,215 35,709 SH   SOLE   0 0 35,709
CATERPILLAR INC COM 149123101 323 1,777 SH   SOLE   0 0 1,777
CHEVRON CORP NEW COM 166764100 2,308 27,334 SH   SOLE   0 0 27,334
CISCO SYS INC COM 17275R102 397 8,868 SH   SOLE   0 0 8,868
CITIZENS FINL GROUP INC COM 174610105 1,383 38,667 SH   SOLE   0 0 38,667
COLGATE PALMOLIVE CO COM 194162103 590 6,898 SH   SOLE   0 0 6,898
COMCAST CORP NEW CL A 20030N101 317 6,057 SH   SOLE   0 0 6,057
COSTCO WHSL CORP NEW COM 22160K105 6,339 16,824 SH   SOLE   0 0 16,824
CROWN HLDGS INC COM 228368106 251 2,509 SH   SOLE   0 0 2,509
D R HORTON INC COM 23331A109 867 12,577 SH   SOLE   0 0 12,577
DEERE & CO COM 244199105 319 1,185 SH   SOLE   0 0 1,185
DISNEY WALT CO COM 254687106 7,614 42,026 SH   SOLE   0 0 42,026
EASTMAN CHEM CO COM 277432100 1,320 13,166 SH   SOLE   0 0 13,166
EDWARDS LIFESCIENCES CORP COM 28176E108 2,326 25,497 SH   SOLE   0 0 25,497
EOG RES INC COM 26875P101 675 13,534 SH   SOLE   0 0 13,534
FACEBOOK INC CL A 30303M102 4,657 17,047 SH   SOLE   0 0 17,047
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 932 4,390 SH   SOLE   0 0 4,390
FIRST TR NASDAQ 100 TECH IND SHS 337345102 803 5,815 SH   SOLE   0 0 5,815
FLEXSTEEL INDS INC COM 339382103 430 12,300 SH   SOLE   0 0 12,300
FMC CORP COM NEW 302491303 229 1,991 SH   SOLE   0 0 1,991
FULTON FINL CORP PA COM 360271100 587 46,149 SH   SOLE   0 0 46,149
GENERAL DYNAMICS CORP COM 369550108 293 1,970 SH   SOLE   0 0 1,970
HEICO CORP NEW CL A 422806208 208 1,774 SH   SOLE   0 0 1,774
HEICO CORP NEW COM 422806109 259 1,955 SH   SOLE   0 0 1,955
HENRY SCHEIN INC COM 806407102 1,073 16,044 SH   SOLE   0 0 16,044
HERSHEY CO COM 427866108 1,065 6,993 SH   SOLE   0 0 6,993
HOLOGIC INC COM 436440101 1,928 26,474 SH   SOLE   0 0 26,474
HOME DEPOT INC COM 437076102 1,205 4,535 SH   SOLE   0 0 4,535
HONEYWELL INTL INC COM 438516106 257 1,209 SH   SOLE   0 0 1,209
ILLINOIS TOOL WKS INC COM 452308109 1,349 6,617 SH   SOLE   0 0 6,617
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,932 16,756 SH   SOLE   0 0 16,756
ISHARES INC CORE MSCI EMKT 46434G103 14,796 238,490 SH   SOLE   0 0 238,490
ISHARES TR 3 7 YR TREAS BD 464288661 8,100 60,912 SH   SOLE   0 0 60,912
ISHARES TR A RATE CP BD ETF 46429B291 3,520 60,147 SH   SOLE   0 0 60,147
ISHARES TR AGENCY BOND ETF 464288166 9,702 81,151 SH   SOLE   0 0 81,151
ISHARES TR CORE MSCI EAFE 46432F842 86,978 1,258,915 SH   SOLE   0 0 1,258,915
ISHARES TR CORE MSCI TOTAL 46432F834 215 3,193 SH   SOLE   0 0 3,193
ISHARES TR CORE S&P MCP ETF 464287507 29,751 129,450 SH   SOLE   0 0 129,450
ISHARES TR CORE S&P SCP ETF 464287804 24,531 266,931 SH   SOLE   0 0 266,931
ISHARES TR CORE S&P500 ETF 464287200 72,268 192,513 SH   SOLE   0 0 192,513
ISHARES TR CORE US AGGBD ET 464287226 743 6,289 SH   SOLE   0 0 6,289
ISHARES TR ESG AWR MSCI USA 46435G425 311 3,620 SH   SOLE   0 0 3,620
ISHARES TR MBS ETF 464288588 13,870 125,943 SH   SOLE   0 0 125,943
ISHARES TR RUS MID CAP ETF 464287499 721 10,518 SH   SOLE   0 0 10,518
ISHARES TR RUSSELL 2000 ETF 464287655 1,598 8,149 SH   SOLE   0 0 8,149
ISHARES TR RUSSELL 3000 ETF 464287689 381 1,705 SH   SOLE   0 0 1,705
ISHARES TR S&P 500 GRWT ETF 464287309 9,024 141,394 SH   SOLE   0 0 141,394
ISHARES TR S&P 500 VAL ETF 464287408 5,763 45,015 SH   SOLE   0 0 45,015
ISHARES TR S&P MC 400GR ETF 464287606 977 13,523 SH   SOLE   0 0 13,523
JOHNSON & JOHNSON COM 478160104 7,515 47,748 SH   SOLE   0 0 47,748
JPMORGAN CHASE & CO COM 46625H100 2,108 16,590 SH   SOLE   0 0 16,590
LAMAR ADVERTISING CO NEW CL A 512816109 1,017 12,218 SH   SOLE   0 0 12,218
LILLY ELI & CO COM 532457108 213 1,263 SH   SOLE   0 0 1,263
LOCKHEED MARTIN CORP COM 539830109 1,326 3,736 SH   SOLE   0 0 3,736
LULULEMON ATHLETICA INC COM 550021109 211 606 SH   SOLE   0 0 606
M & T BK CORP COM 55261F104 280 2,203 SH   SOLE   0 0 2,203
MARKEL CORP COM 570535104 804 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 229 1,734 SH   SOLE   0 0 1,734
MARSH & MCLENNAN COS INC COM 571748102 316 2,703 SH   SOLE   0 0 2,703
MASTERCARD INCORPORATED CL A 57636Q104 9,391 26,311 SH   SOLE   0 0 26,311
MCDONALDS CORP COM 580135101 2,532 11,799 SH   SOLE   0 0 11,799
MICRON TECHNOLOGY INC COM 595112103 1,039 13,816 SH   SOLE   0 0 13,816
MICROSOFT CORP COM 594918104 14,609 65,681 SH   SOLE   0 0 65,681
MID-AMER APT CMNTYS INC COM 59522J103 1,766 13,939 SH   SOLE   0 0 13,939
NIKE INC CL B 654106103 3,441 24,321 SH   SOLE   0 0 24,321
NOVO-NORDISK A S ADR 670100205 3,374 48,304 SH   SOLE   0 0 48,304
NVIDIA CORPORATION COM 67066G104 339 650 SH   SOLE   0 0 650
ORACLE CORP COM 68389X105 257 3,973 SH   SOLE   0 0 3,973
PEPSICO INC COM 713448108 1,726 11,639 SH   SOLE   0 0 11,639
PFIZER INC COM 717081103 427 11,589 SH   SOLE   0 0 11,589
PROCTER AND GAMBLE CO COM 742718109 2,612 18,775 SH   SOLE   0 0 18,775
PRUDENTIAL FINL INC COM 744320102 1,043 13,357 SH   SOLE   0 0 13,357
ROKU INC COM CL A 77543R102 370 1,115 SH   SOLE   0 0 1,115
ROPER TECHNOLOGIES INC COM 776696106 4,251 9,861 SH   SOLE   0 0 9,861
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,071 491,700 SH   SOLE   0 0 491,700
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,734 548,008 SH   SOLE   0 0 548,008
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,841 83,148 SH   SOLE   0 0 83,148
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,910 69,778 SH   SOLE   0 0 69,778
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,004 44,002 SH   SOLE   0 0 44,002
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,031 16,071 SH   SOLE   0 0 16,071
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,815 84,219 SH   SOLE   0 0 84,219
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,554 93,290 SH   SOLE   0 0 93,290
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 57,307 630,094 SH   SOLE   0 0 630,094
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 36,151 530,231 SH   SOLE   0 0 530,231
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 25,357 284,905 SH   SOLE   0 0 284,905
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,558 56,355 SH   SOLE   0 0 56,355
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,049 8,155 SH   SOLE   0 0 8,155
TARGET CORP COM 87612E106 1,559 8,831 SH   SOLE   0 0 8,831
THERMO FISHER SCIENTIFIC INC COM 883556102 9,689 20,801 SH   SOLE   0 0 20,801
TRANE TECHNOLOGIES PLC SHS G8994E103 1,894 13,051 SH   SOLE   0 0 13,051
TRUIST FINL CORP COM 89832Q109 2,632 54,909 SH   SOLE   0 0 54,909
UNION PAC CORP COM 907818108 5,455 26,201 SH   SOLE   0 0 26,201
UNITED RENTALS INC COM 911363109 2,060 8,883 SH   SOLE   0 0 8,883
UNITEDHEALTH GROUP INC COM 91324P102 1,184 3,376 SH   SOLE   0 0 3,376
US BANCORP DEL COM NEW 902973304 1,051 22,569 SH   SOLE   0 0 22,569
VANGUARD INDEX FDS GROWTH ETF 922908736 1,044 4,121 SH   SOLE   0 0 4,121
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 416 1,961 SH   SOLE   0 0 1,961
VANGUARD INDEX FDS MID CAP ETF 922908629 8,506 41,135 SH   SOLE   0 0 41,135
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,062 6,001 SH   SOLE   0 0 6,001
VANGUARD INDEX FDS SML CP GRW ETF 922908595 583 2,176 SH   SOLE   0 0 2,176
VANGUARD INDEX FDS TOTAL STK MKT 922908769 289 1,485 SH   SOLE   0 0 1,485
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 256 4,637 SH   SOLE   0 0 4,637
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 10,883 156,764 SH   SOLE   0 0 156,764
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,145 186,794 SH   SOLE   0 0 186,794
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 20,925 387,002 SH   SOLE   0 0 387,002
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,266 21,049 SH   SOLE   0 0 21,049
VEEVA SYS INC CL A COM 922475108 327 1,200 SH   SOLE   0 0 1,200
VERIZON COMMUNICATIONS INC COM 92343V104 407 6,921 SH   SOLE   0 0 6,921
VISA INC COM CL A 92826C839 579 2,649 SH   SOLE   0 0 2,649
WHIRLPOOL CORP COM 963320106 1,155 6,401 SH   SOLE   0 0 6,401
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 219 650 SH   SOLE   0 0 650