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 527 4,546 SH   SOLE   0 0 4,546
ABBVIE INC COM 00287Y109 820 7,283 SH   SOLE   0 0 7,283
ADOBE SYSTEMS INCORPORATED COM 00724F101 290 496 SH   SOLE   0 0 496
ALPHABET INC CAP STK CL A 02079K305 12,243 5,014 SH   SOLE   0 0 5,014
ALPHABET INC CAP STK CL C 02079K107 376 150 SH   SOLE   0 0 150
AMAZON COM INC COM 023135106 13,585 3,949 SH   SOLE   0 0 3,949
AMERICAN TOWER CORP NEW COM 03027X100 1,558 5,769 SH   SOLE   0 0 5,769
ANNOVIS BIO INC COM 03615A108 428 5,000 SH   SOLE   0 0 5,000
APPLE INC COM 037833100 16,004 116,854 SH   SOLE   0 0 116,854
AUTOMATIC DATA PROCESSING IN COM 053015103 2,153 10,842 SH   SOLE   0 0 10,842
BANK NEW YORK MELLON CORP COM 064058100 243 4,735 SH   SOLE   0 0 4,735
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,486 8,945 SH   SOLE   0 0 8,945
BLACKSTONE GROUP INC COM 09260D107 2,594 26,708 SH   SOLE   0 0 26,708
BRISTOL-MYERS SQUIBB CO COM 110122108 2,297 34,373 SH   SOLE   0 0 34,373
CATERPILLAR INC COM 149123101 387 1,777 SH   SOLE   0 0 1,777
CHEVRON CORP NEW COM 166764100 2,430 23,199 SH   SOLE   0 0 23,199
CISCO SYS INC COM 17275R102 400 7,544 SH   SOLE   0 0 7,544
CITIZENS FINL GROUP INC COM 174610105 1,753 38,213 SH   SOLE   0 0 38,213
COLGATE PALMOLIVE CO COM 194162103 522 6,418 SH   SOLE   0 0 6,418
COMCAST CORP NEW CL A 20030N101 336 5,889 SH   SOLE   0 0 5,889
COSTCO WHSL CORP NEW COM 22160K105 6,389 16,147 SH   SOLE   0 0 16,147
CROWN HLDGS INC COM 228368106 256 2,508 SH   SOLE   0 0 2,508
CVS HEALTH CORP COM 126650100 204 2,447 SH   SOLE   0 0 2,447
D R HORTON INC COM 23331A109 1,111 12,294 SH   SOLE   0 0 12,294
DEERE & CO COM 244199105 420 1,192 SH   SOLE   0 0 1,192
DISNEY WALT CO COM 254687106 6,886 39,175 SH   SOLE   0 0 39,175
EASTMAN CHEM CO COM 277432100 1,448 12,404 SH   SOLE   0 0 12,404
EDWARDS LIFESCIENCES CORP COM 28176E108 2,468 23,834 SH   SOLE   0 0 23,834
EOG RES INC COM 26875P101 1,187 14,227 SH   SOLE   0 0 14,227
EXXON MOBIL CORP COM 30231G102 263 4,169 SH   SOLE   0 0 4,169
FACEBOOK INC CL A 30303M102 3,456 9,940 SH   SOLE   0 0 9,940
FLEXSTEEL INDS INC COM 339382103 449 11,112 SH   SOLE   0 0 11,112
FMC CORP COM NEW 302491303 208 1,926 SH   SOLE   0 0 1,926
FULTON FINL CORP PA COM 360271100 758 48,042 SH   SOLE   0 0 48,042
GENERAL DYNAMICS CORP COM 369550108 384 2,039 SH   SOLE   0 0 2,039
HEICO CORP NEW CL A 422806208 221 1,776 SH   SOLE   0 0 1,776
HEICO CORP NEW COM 422806109 273 1,956 SH   SOLE   0 0 1,956
HENRY SCHEIN INC COM 806407102 1,066 14,366 SH   SOLE   0 0 14,366
HERSHEY CO COM 427866108 1,231 7,066 SH   SOLE   0 0 7,066
HOLOGIC INC COM 436440101 1,655 24,808 SH   SOLE   0 0 24,808
HOME DEPOT INC COM 437076102 1,427 4,473 SH   SOLE   0 0 4,473
HONEYWELL INTL INC COM 438516106 264 1,205 SH   SOLE   0 0 1,205
ILLINOIS TOOL WKS INC COM 452308109 1,449 6,483 SH   SOLE   0 0 6,483
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,882 15,852 SH   SOLE   0 0 15,852
INTERNATIONAL BUSINESS MACHS COM 459200101 1,236 8,431 SH   SOLE   0 0 8,431
ISHARES INC CORE MSCI EMKT 46434G103 16,400 244,805 SH   SOLE   0 0 244,805
ISHARES TR 3 7 YR TREAS BD 464288661 9,047 69,307 SH   SOLE   0 0 69,307
ISHARES TR A RATE CP BD ETF 46429B291 3,950 69,477 SH   SOLE   0 0 69,477
ISHARES TR AGENCY BOND ETF 464288166 10,878 91,888 SH   SOLE   0 0 91,888
ISHARES TR CORE MSCI EAFE 46432F842 92,411 1,234,453 SH   SOLE   0 0 1,234,453
ISHARES TR CORE MSCI TOTAL 46432F834 207 2,829 SH   SOLE   0 0 2,829
ISHARES TR CORE S&P MCP ETF 464287507 34,984 130,183 SH   SOLE   0 0 130,183
ISHARES TR CORE S&P SCP ETF 464287804 30,215 267,433 SH   SOLE   0 0 267,433
ISHARES TR CORE S&P500 ETF 464287200 82,270 191,362 SH   SOLE   0 0 191,362
ISHARES TR CORE US AGGBD ET 464287226 817 7,085 SH   SOLE   0 0 7,085
ISHARES TR ESG AWR MSCI USA 46435G425 362 3,673 SH   SOLE   0 0 3,673
ISHARES TR MBS ETF 464288588 16,998 157,055 SH   SOLE   0 0 157,055
ISHARES TR NATIONAL MUN ETF 464288414 379 3,233 SH   SOLE   0 0 3,233
ISHARES TR RUS MID CAP ETF 464287499 1,134 14,309 SH   SOLE   0 0 14,309
ISHARES TR RUSSELL 2000 ETF 464287655 2,022 8,817 SH   SOLE   0 0 8,817
ISHARES TR RUSSELL 3000 ETF 464287689 438 1,713 SH   SOLE   0 0 1,713
ISHARES TR S&P 500 GRWT ETF 464287309 9,326 128,228 SH   SOLE   0 0 128,228
ISHARES TR S&P 500 VAL ETF 464287408 6,207 42,041 SH   SOLE   0 0 42,041
ISHARES TR S&P MC 400GR ETF 464287606 1,167 14,414 SH   SOLE   0 0 14,414
JOHNSON & JOHNSON COM 478160104 8,104 49,191 SH   SOLE   0 0 49,191
JPMORGAN CHASE & CO COM 46625H100 2,514 16,164 SH   SOLE   0 0 16,164
LILLY ELI & CO COM 532457108 613 2,669 SH   SOLE   0 0 2,669
LOCKHEED MARTIN CORP COM 539830109 1,309 3,459 SH   SOLE   0 0 3,459
LULULEMON ATHLETICA INC COM 550021109 211 578 SH   SOLE   0 0 578
M & T BK CORP COM 55261F104 320 2,203 SH   SOLE   0 0 2,203
MARKEL CORP COM 570535104 923 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 210 1,538 SH   SOLE   0 0 1,538
MARSH & MCLENNAN COS INC COM 571748102 310 2,203 SH   SOLE   0 0 2,203
MASTERCARD INCORPORATED CL A 57636Q104 9,205 25,212 SH   SOLE   0 0 25,212
MCDONALDS CORP COM 580135101 2,495 10,800 SH   SOLE   0 0 10,800
MERCK & CO INC COM 58933Y105 295 3,788 SH   SOLE   0 0 3,788
MICROCHIP TECHNOLOGY INC. COM 595017104 248 1,658 SH   SOLE   0 0 1,658
MICRON TECHNOLOGY INC COM 595112103 1,188 13,975 SH   SOLE   0 0 13,975
MICROSOFT CORP COM 594918104 16,673 61,546 SH   SOLE   0 0 61,546
MID-AMER APT CMNTYS INC COM 59522J103 2,247 13,342 SH   SOLE   0 0 13,342
NIKE INC CL B 654106103 3,581 23,177 SH   SOLE   0 0 23,177
NOVO-NORDISK A S ADR 670100205 3,920 46,793 SH   SOLE   0 0 46,793
NVIDIA CORPORATION COM 67066G104 565 706 SH   SOLE   0 0 706
ORACLE CORP COM 68389X105 264 3,396 SH   SOLE   0 0 3,396
PEPSICO INC COM 713448108 1,666 11,243 SH   SOLE   0 0 11,243
PFIZER INC COM 717081103 514 13,131 SH   SOLE   0 0 13,131
PROCTER AND GAMBLE CO COM 742718109 2,266 16,790 SH   SOLE   0 0 16,790
PRUDENTIAL FINL INC COM 744320102 1,392 13,585 SH   SOLE   0 0 13,585
ROKU INC COM CL A 77543R102 515 1,121 SH   SOLE   0 0 1,121
ROPER TECHNOLOGIES INC COM 776696106 4,211 8,957 SH   SOLE   0 0 8,957
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 15,214 462,721 SH   SOLE   0 0 462,721
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 21,524 545,614 SH   SOLE   0 0 545,614
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,907 86,289 SH   SOLE   0 0 86,289
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,958 72,489 SH   SOLE   0 0 72,489
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,238 40,649 SH   SOLE   0 0 40,649
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 835 11,047 SH   SOLE   0 0 11,047
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,155 83,274 SH   SOLE   0 0 83,274
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,512 95,248 SH   SOLE   0 0 95,248
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 64,286 618,317 SH   SOLE   0 0 618,317
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 40,623 519,011 SH   SOLE   0 0 519,011
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 28,540 273,944 SH   SOLE   0 0 273,944
SERVICENOW INC COM 81762P102 244 444 SH   SOLE   0 0 444
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,600 52,989 SH   SOLE   0 0 52,989
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,797 8,870 SH   SOLE   0 0 8,870
SYNAPTICS INC COM 87157D109 202 1,300 SH   SOLE   0 0 1,300
TARGET CORP COM 87612E106 2,042 8,446 SH   SOLE   0 0 8,446
TEXAS PACIFIC LAND CORPORATI COM 88262P102 320 200 SH   SOLE   0 0 200
THERMO FISHER SCIENTIFIC INC COM 883556102 10,218 20,254 SH   SOLE   0 0 20,254
TRANE TECHNOLOGIES PLC SHS G8994E103 2,075 11,266 SH   SOLE   0 0 11,266
TRUIST FINL CORP COM 89832Q109 3,058 55,095 SH   SOLE   0 0 55,095
UGI CORP NEW COM 902681105 263 5,675 SH   SOLE   0 0 5,675
UNION PAC CORP COM 907818108 5,634 25,616 SH   SOLE   0 0 25,616
UNITED RENTALS INC COM 911363109 2,460 7,711 SH   SOLE   0 0 7,711
UNITEDHEALTH GROUP INC COM 91324P102 1,185 2,958 SH   SOLE   0 0 2,958
US BANCORP DEL COM NEW 902973304 1,311 23,006 SH   SOLE   0 0 23,006
VANGUARD INDEX FDS GROWTH ETF 922908736 511 1,781 SH   SOLE   0 0 1,781
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 427 1,805 SH   SOLE   0 0 1,805
VANGUARD INDEX FDS MID CAP ETF 922908629 9,292 39,148 SH   SOLE   0 0 39,148
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,103 5,343 SH   SOLE   0 0 5,343
VANGUARD INDEX FDS SML CP GRW ETF 922908595 631 2,176 SH   SOLE   0 0 2,176
VANGUARD INDEX FDS TOTAL STK MKT 922908769 291 1,307 SH   SOLE   0 0 1,307
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 255 4,608 SH   SOLE   0 0 4,608
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 12,617 186,062 SH   SOLE   0 0 186,062
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 21,052 221,434 SH   SOLE   0 0 221,434
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 22,641 424,233 SH   SOLE   0 0 424,233
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,391 21,180 SH   SOLE   0 0 21,180
VEEVA SYS INC CL A COM 922475108 373 1,200 SH   SOLE   0 0 1,200
VERIZON COMMUNICATIONS INC COM 92343V104 257 4,596 SH   SOLE   0 0 4,596
VISA INC COM CL A 92826C839 633 2,706 SH   SOLE   0 0 2,706
WHIRLPOOL CORP COM 963320106 1,344 6,165 SH   SOLE   0 0 6,165