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 379 3,163 SH   SOLE   0 0 3,163
ABBVIE INC COM 00287Y109 445 4,115 SH   SOLE   0 0 4,115
ADOBE SYSTEMS INCORPORATED COM 00724F101 236 496 SH   SOLE   0 0 496
ALPHABET INC CAP STK CL A 02079K305 10,616 5,147 SH   SOLE   0 0 5,147
ALPHABET INC CAP STK CL C 02079K107 306 148 SH   SOLE   0 0 148
ALTRIA GROUP INC COM 02209S103 217 4,242 SH   SOLE   0 0 4,242
AMAZON COM INC COM 023135106 12,404 4,009 SH   SOLE   0 0 4,009
AMERICAN TOWER CORP NEW COM 03027X100 1,357 5,677 SH   SOLE   0 0 5,677
ANNOVIS BIO INC COM 03615A108 279 10,000 SH   SOLE   0 0 10,000
APPLE INC COM 037833100 12,785 104,669 SH   SOLE   0 0 104,669
AT&T INC COM 00206R102 1,294 42,762 SH   SOLE   0 0 42,762
AUTOMATIC DATA PROCESSING IN COM 053015103 2,108 11,185 SH   SOLE   0 0 11,185
BANK NEW YORK MELLON CORP COM 064058100 224 4,735 SH   SOLE   0 0 4,735
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,325 9,099 SH   SOLE   0 0 9,099
BLACKSTONE GROUP INC COM 09260D107 2,045 27,438 SH   SOLE   0 0 27,438
BRISTOL-MYERS SQUIBB CO COM 110122108 2,109 33,409 SH   SOLE   0 0 33,409
CATERPILLAR INC COM 149123101 412 1,777 SH   SOLE   0 0 1,777
CHEVRON CORP NEW COM 166764100 2,510 23,948 SH   SOLE   0 0 23,948
CISCO SYS INC COM 17275R102 365 7,049 SH   SOLE   0 0 7,049
CITIZENS FINANCIAL GROUP INC COM 174610105 1,703 38,567 SH   SOLE   0 0 38,567
COLGATE PALMOLIVE CO COM 194162103 506 6,418 SH   SOLE   0 0 6,418
COMCAST CORP NEW CL A 20030N101 319 5,887 SH   SOLE   0 0 5,887
COSTCO WHSL CORP NEW COM 22160K105 5,727 16,249 SH   SOLE   0 0 16,249
CROWN HLDGS INC COM 228368106 243 2,508 SH   SOLE   0 0 2,508
CVS HEALTH CORP COM 126650100 202 2,683 SH   SOLE   0 0 2,683
D R HORTON INC COM 23331A109 1,104 12,382 SH   SOLE   0 0 12,382
DEERE & CO COM 244199105 438 1,171 SH   SOLE   0 0 1,171
DISNEY WALT CO COM 254687106 7,323 39,684 SH   SOLE   0 0 39,684
EASTMAN CHEM CO COM 277432100 1,397 12,685 SH   SOLE   0 0 12,685
EDWARDS LIFESCIENCES CORP COM 28176E108 2,012 24,056 SH   SOLE   0 0 24,056
EOG RES INC COM 26875P101 1,007 13,888 SH   SOLE   0 0 13,888
EXXON MOBIL CORP COM 30231G102 307 5,490 SH   SOLE   0 0 5,490
FACEBOOK INC CL A 30303M102 2,850 9,675 SH   SOLE   0 0 9,675
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 703 3,223 SH   SOLE   0 0 3,223
FIRST TR NASDAQ 100 TECH IND SHS 337345102 584 4,050 SH   SOLE   0 0 4,050
FLEXSTEEL INDS INC COM 339382103 405 11,612 SH   SOLE   0 0 11,612
FMC CORP COM NEW 302491303 213 1,924 SH   SOLE   0 0 1,924
FULTON FINL CORP PA COM 360271100 777 45,652 SH   SOLE   0 0 45,652
GENERAL DYNAMICS CORP COM 369550108 357 1,966 SH   SOLE   0 0 1,966
HEICO CORP NEW CL A 422806208 202 1,776 SH   SOLE   0 0 1,776
HEICO CORP NEW COM 422806109 246 1,956 SH   SOLE   0 0 1,956
HENRY SCHEIN INC COM 806407102 1,019 14,715 SH   SOLE   0 0 14,715
HERSHEY CO COM 427866108 1,106 6,996 SH   SOLE   0 0 6,996
HOLOGIC INC COM 436440101 1,859 24,987 SH   SOLE   0 0 24,987
HOME DEPOT INC COM 437076102 1,395 4,569 SH   SOLE   0 0 4,569
HONEYWELL INTL INC COM 438516106 260 1,196 SH   SOLE   0 0 1,196
ILLINOIS TOOL WKS INC COM 452308109 1,447 6,533 SH   SOLE   0 0 6,533
INTEL CORP COM 458140100 220 3,438 SH   SOLE   0 0 3,438
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,779 15,929 SH   SOLE   0 0 15,929
ISHARES INC CORE MSCI EMKT 46434G103 15,587 242,191 SH   SOLE   0 0 242,191
ISHARES TR 3 7 YR TREAS BD 464288661 8,287 63,797 SH   SOLE   0 0 63,797
ISHARES TR A RATE CP BD ETF 46429B291 3,441 62,074 SH   SOLE   0 0 62,074
ISHARES TR AGENCY BOND ETF 464288166 10,343 87,851 SH   SOLE   0 0 87,851
ISHARES TR CORE MSCI EAFE 46432F842 89,599 1,243,569 SH   SOLE   0 0 1,243,569
ISHARES TR CORE MSCI TOTAL 46432F834 224 3,193 SH   SOLE   0 0 3,193
ISHARES TR CORE S&P MCP ETF 464287507 33,374 128,225 SH   SOLE   0 0 128,225
ISHARES TR CORE S&P SCP ETF 464287804 28,979 267,013 SH   SOLE   0 0 267,013
ISHARES TR CORE S&P500 ETF 464287200 76,883 193,260 SH   SOLE   0 0 193,260
ISHARES TR CORE US AGGBD ET 464287226 756 6,638 SH   SOLE   0 0 6,638
ISHARES TR ESG AWR MSCI USA 46435G425 329 3,620 SH   SOLE   0 0 3,620
ISHARES TR MBS ETF 464288588 15,995 147,526 SH   SOLE   0 0 147,526
ISHARES TR NATIONAL MUN ETF 464288414 376 3,239 SH   SOLE   0 0 3,239
ISHARES TR RUS MID CAP ETF 464287499 1,053 14,237 SH   SOLE   0 0 14,237
ISHARES TR RUSSELL 2000 ETF 464287655 1,949 8,821 SH   SOLE   0 0 8,821
ISHARES TR RUSSELL 3000 ETF 464287689 404 1,705 SH   SOLE   0 0 1,705
ISHARES TR S&P 500 GRWT ETF 464287309 8,845 135,854 SH   SOLE   0 0 135,854
ISHARES TR S&P 500 VAL ETF 464287408 6,140 43,475 SH   SOLE   0 0 43,475
ISHARES TR S&P MC 400GR ETF 464287606 1,094 13,962 SH   SOLE   0 0 13,962
JOHNSON & JOHNSON COM 478160104 7,543 45,898 SH   SOLE   0 0 45,898
JPMORGAN CHASE & CO COM 46625H100 2,424 15,925 SH   SOLE   0 0 15,925
LOCKHEED MARTIN CORP COM 539830109 1,281 3,466 SH   SOLE   0 0 3,466
M & T BK CORP COM 55261F104 334 2,203 SH   SOLE   0 0 2,203
MARKEL CORP COM 570535104 887 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 228 1,538 SH   SOLE   0 0 1,538
MARSH & MCLENNAN COS INC COM 571748102 329 2,703 SH   SOLE   0 0 2,703
MASTERCARD INCORPORATED CL A 57636Q104 9,040 25,389 SH   SOLE   0 0 25,389
MCDONALDS CORP COM 580135101 2,395 10,684 SH   SOLE   0 0 10,684
MICRON TECHNOLOGY INC COM 595112103 1,250 14,171 SH   SOLE   0 0 14,171
MICROSOFT CORP COM 594918104 14,807 62,805 SH   SOLE   0 0 62,805
MID-AMER APT CMNTYS INC COM 59522J103 1,932 13,382 SH   SOLE   0 0 13,382
NIKE INC CL B 654106103 3,120 23,477 SH   SOLE   0 0 23,477
NOVO-NORDISK A S ADR 670100205 3,199 47,454 SH   SOLE   0 0 47,454
NVIDIA CORPORATION COM 67066G104 365 683 SH   SOLE   0 0 683
ORACLE CORP COM 68389X105 231 3,297 SH   SOLE   0 0 3,297
PEPSICO INC COM 713448108 1,581 11,180 SH   SOLE   0 0 11,180
PFIZER INC COM 717081103 378 10,442 SH   SOLE   0 0 10,442
PROCTER AND GAMBLE CO COM 742718109 2,274 16,792 SH   SOLE   0 0 16,792
PRUDENTIAL FINL INC COM 744320102 1,231 13,513 SH   SOLE   0 0 13,513
ROKU INC COM CL A 77543R102 358 1,100 SH   SOLE   0 0 1,100
ROPER TECHNOLOGIES INC COM 776696106 3,676 9,113 SH   SOLE   0 0 9,113
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,140 476,389 SH   SOLE   0 0 476,389
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,176 536,307 SH   SOLE   0 0 536,307
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,779 84,723 SH   SOLE   0 0 84,723
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,887 72,044 SH   SOLE   0 0 72,044
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,126 42,662 SH   SOLE   0 0 42,662
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 955 13,102 SH   SOLE   0 0 13,102
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,721 82,606 SH   SOLE   0 0 82,606
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,722 87,659 SH   SOLE   0 0 87,659
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 59,401 618,563 SH   SOLE   0 0 618,563
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 38,807 521,395 SH   SOLE   0 0 521,395
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 27,635 277,264 SH   SOLE   0 0 277,264
SERVICENOW INC COM 81762P102 239 478 SH   SOLE   0 0 478
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,586 54,854 SH   SOLE   0 0 54,854
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,232 8,155 SH   SOLE   0 0 8,155
TARGET CORP COM 87612E106 1,674 8,451 SH   SOLE   0 0 8,451
TEXAS PACIFIC LAND CORPORATI COM 88262P102 318 200 SH   SOLE   0 0 200
THERMO FISHER SCIENTIFIC INC COM 883556102 9,330 20,443 SH   SOLE   0 0 20,443
TRANE TECHNOLOGIES PLC SHS G8994E103 1,917 11,579 SH   SOLE   0 0 11,579
TRUIST FINL CORP COM 89832Q109 3,175 54,444 SH   SOLE   0 0 54,444
UNION PAC CORP COM 907818108 5,723 25,965 SH   SOLE   0 0 25,965
UNITED RENTALS INC COM 911363109 2,678 8,131 SH   SOLE   0 0 8,131
UNITEDHEALTH GROUP INC COM 91324P102 1,179 3,167 SH   SOLE   0 0 3,167
US BANCORP DEL COM NEW 902973304 1,255 22,697 SH   SOLE   0 0 22,697
VANGUARD INDEX FDS GROWTH ETF 922908736 1,059 4,121 SH   SOLE   0 0 4,121
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 421 1,961 SH   SOLE   0 0 1,961
VANGUARD INDEX FDS MID CAP ETF 922908629 8,812 39,813 SH   SOLE   0 0 39,813
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,941 5,329 SH   SOLE   0 0 5,329
VANGUARD INDEX FDS SML CP GRW ETF 922908595 598 2,176 SH   SOLE   0 0 2,176
VANGUARD INDEX FDS TOTAL STK MKT 922908769 279 1,350 SH   SOLE   0 0 1,350
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 252 4,619 SH   SOLE   0 0 4,619
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 11,687 173,831 SH   SOLE   0 0 173,831
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,880 202,941 SH   SOLE   0 0 202,941
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 21,946 411,208 SH   SOLE   0 0 411,208
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,375 21,933 SH   SOLE   0 0 21,933
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 421 4,424 SH   SOLE   0 0 4,424
VEEVA SYS INC CL A COM 922475108 313 1,200 SH   SOLE   0 0 1,200
VERIZON COMMUNICATIONS INC COM 92343V104 271 4,659 SH   SOLE   0 0 4,659
VISA INC COM CL A 92826C839 552 2,606 SH   SOLE   0 0 2,606
WHIRLPOOL CORP COM 963320106 1,384 6,283 SH   SOLE   0 0 6,283