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 419 3,547 SH   SOLE   0 0 3,547
ABBVIE INC COM 00287Y109 471 4,367 SH   SOLE   0 0 4,367
ADOBE SYSTEMS INCORPORATED COM 00724F101 292 508 SH   SOLE   0 0 508
ALPHABET INC CAP STK CL A 02079K305 13,092 4,897 SH   SOLE   0 0 4,897
ALPHABET INC CAP STK CL C 02079K107 445 167 SH   SOLE   0 0 167
AMAZON COM INC COM 023135106 12,684 3,861 SH   SOLE   0 0 3,861
AMERICAN TOWER CORP NEW COM 03027X100 1,555 5,858 SH   SOLE   0 0 5,858
APPLE INC COM 037833100 14,676 103,714 SH   SOLE   0 0 103,714
AUTOMATIC DATA PROCESSING IN COM 053015103 2,084 10,423 SH   SOLE   0 0 10,423
BANK NEW YORK MELLON CORP COM 064058100 245 4,735 SH   SOLE   0 0 4,735
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,372 8,691 SH   SOLE   0 0 8,691
BLACKSTONE INC COM 09260D107 3,055 26,255 SH   SOLE   0 0 26,255
BRISTOL-MYERS SQUIBB CO COM 110122108 1,999 33,775 SH   SOLE   0 0 33,775
CATERPILLAR INC COM 149123101 234 1,218 SH   SOLE   0 0 1,218
CHEVRON CORP NEW COM 166764100 2,283 22,503 SH   SOLE   0 0 22,503
CISCO SYS INC COM 17275R102 430 7,893 SH   SOLE   0 0 7,893
CITIZENS FINL GROUP INC COM 174610105 1,829 38,938 SH   SOLE   0 0 38,938
COLGATE PALMOLIVE CO COM 194162103 485 6,418 SH   SOLE   0 0 6,418
COMCAST CORP NEW CL A 20030N101 314 5,620 SH   SOLE   0 0 5,620
COSTCO WHSL CORP NEW COM 22160K105 7,036 15,658 SH   SOLE   0 0 15,658
CROWN HLDGS INC COM 228368106 253 2,508 SH   SOLE   0 0 2,508
D R HORTON INC COM 23331A109 938 11,170 SH   SOLE   0 0 11,170
DEERE & CO COM 244199105 394 1,174 SH   SOLE   0 0 1,174
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 267 4,645 SH   SOLE   0 0 4,645
DISNEY WALT CO COM 254687106 6,596 38,993 SH   SOLE   0 0 38,993
EASTMAN CHEM CO COM 277432100 1,253 12,434 SH   SOLE   0 0 12,434
EDWARDS LIFESCIENCES CORP COM 28176E108 2,692 23,781 SH   SOLE   0 0 23,781
EOG RES INC COM 26875P101 1,178 14,673 SH   SOLE   0 0 14,673
EXXON MOBIL CORP COM 30231G102 249 4,228 SH   SOLE   0 0 4,228
FACEBOOK INC CL A 30303M102 2,966 8,740 SH   SOLE   0 0 8,740
FLEXSTEEL INDS INC COM 339382103 343 11,112 SH   SOLE   0 0 11,112
FULTON FINL CORP PA COM 360271100 738 48,298 SH   SOLE   0 0 48,298
GENERAL DYNAMICS CORP COM 369550108 395 2,013 SH   SOLE   0 0 2,013
HEICO CORP NEW CL A 422806208 210 1,776 SH   SOLE   0 0 1,776
HEICO CORP NEW COM 422806109 258 1,957 SH   SOLE   0 0 1,957
HENRY SCHEIN INC COM 806407102 1,081 14,192 SH   SOLE   0 0 14,192
HERSHEY CO COM 427866108 1,198 7,079 SH   SOLE   0 0 7,079
HOLOGIC INC COM 436440101 1,847 25,023 SH   SOLE   0 0 25,023
HOME DEPOT INC COM 437076102 1,521 4,633 SH   SOLE   0 0 4,633
HONEYWELL INTL INC COM 438516106 241 1,137 SH   SOLE   0 0 1,137
ILLINOIS TOOL WKS INC COM 452308109 1,357 6,566 SH   SOLE   0 0 6,566
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,844 16,062 SH   SOLE   0 0 16,062
INTERNATIONAL BUSINESS MACHS COM 459200101 1,193 8,586 SH   SOLE   0 0 8,586
ISHARES INC CORE MSCI EMKT 46434G103 15,333 248,260 SH   SOLE   0 0 248,260
ISHARES TR 3 7 YR TREAS BD 464288661 9,237 70,964 SH   SOLE   0 0 70,964
ISHARES TR A RATE CP BD ETF 46429B291 4,274 75,873 SH   SOLE   0 0 75,873
ISHARES TR AGENCY BOND ETF 464288166 11,021 93,018 SH   SOLE   0 0 93,018
ISHARES TR CORE MSCI EAFE 46432F842 92,630 1,247,546 SH   SOLE   0 0 1,247,546
ISHARES TR CORE MSCI TOTAL 46432F834 201 2,828 SH   SOLE   0 0 2,828
ISHARES TR CORE S&P MCP ETF 464287507 35,072 133,316 SH   SOLE   0 0 133,316
ISHARES TR CORE S&P SCP ETF 464287804 29,621 271,278 SH   SOLE   0 0 271,278
ISHARES TR CORE S&P500 ETF 464287200 83,501 193,817 SH   SOLE   0 0 193,817
ISHARES TR CORE US AGGBD ET 464287226 869 7,571 SH   SOLE   0 0 7,571
ISHARES TR ESG AWR MSCI USA 46435G425 362 3,673 SH   SOLE   0 0 3,673
ISHARES TR MBS ETF 464288588 18,222 168,503 SH   SOLE   0 0 168,503
ISHARES TR NATIONAL MUN ETF 464288414 378 3,251 SH   SOLE   0 0 3,251
ISHARES TR RUS MID CAP ETF 464287499 1,144 14,621 SH   SOLE   0 0 14,621
ISHARES TR RUSSELL 2000 ETF 464287655 1,930 8,823 SH   SOLE   0 0 8,823
ISHARES TR RUSSELL 3000 ETF 464287689 437 1,713 SH   SOLE   0 0 1,713
ISHARES TR S&P 500 GRWT ETF 464287309 9,342 126,403 SH   SOLE   0 0 126,403
ISHARES TR S&P 500 VAL ETF 464287408 6,095 41,913 SH   SOLE   0 0 41,913
ISHARES TR S&P MC 400GR ETF 464287606 1,209 15,260 SH   SOLE   0 0 15,260
JOHNSON & JOHNSON COM 478160104 7,296 45,175 SH   SOLE   0 0 45,175
JPMORGAN CHASE & CO COM 46625H100 2,642 16,141 SH   SOLE   0 0 16,141
LOCKHEED MARTIN CORP COM 539830109 1,099 3,185 SH   SOLE   0 0 3,185
LULULEMON ATHLETICA INC COM 550021109 233 575 SH   SOLE   0 0 575
M & T BK CORP COM 55261F104 329 2,203 SH   SOLE   0 0 2,203
MARKEL CORP COM 570535104 930 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 217 1,466 SH   SOLE   0 0 1,466
MARSH & MCLENNAN COS INC COM 571748102 334 2,203 SH   SOLE   0 0 2,203
MASTERCARD INCORPORATED CL A 57636Q104 8,662 24,913 SH   SOLE   0 0 24,913
MCDONALDS CORP COM 580135101 2,541 10,537 SH   SOLE   0 0 10,537
MICRON TECHNOLOGY INC COM 595112103 1,030 14,514 SH   SOLE   0 0 14,514
MICROSOFT CORP COM 594918104 17,197 60,998 SH   SOLE   0 0 60,998
MID-AMER APT CMNTYS INC COM 59522J103 2,468 13,216 SH   SOLE   0 0 13,216
NIKE INC CL B 654106103 3,346 23,036 SH   SOLE   0 0 23,036
NOVO-NORDISK A S ADR 670100205 4,367 45,490 SH   SOLE   0 0 45,490
NVIDIA CORPORATION COM 67066G104 597 2,881 SH   SOLE   0 0 2,881
ORACLE CORP COM 68389X105 293 3,362 SH   SOLE   0 0 3,362
PEPSICO INC COM 713448108 1,709 11,362 SH   SOLE   0 0 11,362
PFIZER INC COM 717081103 558 12,978 SH   SOLE   0 0 12,978
PROCTER AND GAMBLE CO COM 742718109 2,326 16,639 SH   SOLE   0 0 16,639
PRUDENTIAL FINL INC COM 744320102 1,447 13,752 SH   SOLE   0 0 13,752
ROKU INC COM CL A 77543R102 345 1,100 SH   SOLE   0 0 1,100
ROPER TECHNOLOGIES INC COM 776696106 3,952 8,857 SH   SOLE   0 0 8,857
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 14,061 461,325 SH   SOLE   0 0 461,325
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,931 540,855 SH   SOLE   0 0 540,855
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,735 83,493 SH   SOLE   0 0 83,493
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,169 76,841 SH   SOLE   0 0 76,841
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,058 39,072 SH   SOLE   0 0 39,072
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 821 11,055 SH   SOLE   0 0 11,055
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,023 81,185 SH   SOLE   0 0 81,185
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,340 93,958 SH   SOLE   0 0 93,958
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 65,241 627,139 SH   SOLE   0 0 627,139
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 40,153 523,786 SH   SOLE   0 0 523,786
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 27,512 274,840 SH   SOLE   0 0 274,840
SERVICENOW INC COM 81762P102 277 445 SH   SOLE   0 0 445
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,505 51,965 SH   SOLE   0 0 51,965
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,806 8,870 SH   SOLE   0 0 8,870
TARGET CORP COM 87612E106 1,934 8,455 SH   SOLE   0 0 8,455
TESLA INC COM 88160R101 288 372 SH   SOLE   0 0 372
THERMO FISHER SCIENTIFIC INC COM 883556102 11,203 19,608 SH   SOLE   0 0 19,608
TRANE TECHNOLOGIES PLC SHS G8994E103 1,909 11,056 SH   SOLE   0 0 11,056
TRUIST FINL CORP COM 89832Q109 3,246 55,348 SH   SOLE   0 0 55,348
UNION PAC CORP COM 907818108 4,810 24,537 SH   SOLE   0 0 24,537
UNITED RENTALS INC COM 911363109 2,683 7,644 SH   SOLE   0 0 7,644
UNITEDHEALTH GROUP INC COM 91324P102 1,095 2,801 SH   SOLE   0 0 2,801
US BANCORP DEL COM NEW 902973304 1,376 23,148 SH   SOLE   0 0 23,148
VANGUARD INDEX FDS GROWTH ETF 922908736 514 1,772 SH   SOLE   0 0 1,772
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 427 1,805 SH   SOLE   0 0 1,805
VANGUARD INDEX FDS MID CAP ETF 922908629 9,019 38,093 SH   SOLE   0 0 38,093
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,141 5,429 SH   SOLE   0 0 5,429
VANGUARD INDEX FDS SML CP GRW ETF 922908595 610 2,176 SH   SOLE   0 0 2,176
VANGUARD INDEX FDS TOTAL STK MKT 922908769 291 1,308 SH   SOLE   0 0 1,308
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 253 4,622 SH   SOLE   0 0 4,622
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 12,700 188,015 SH   SOLE   0 0 188,015
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 21,464 227,345 SH   SOLE   0 0 227,345
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 22,570 423,528 SH   SOLE   0 0 423,528
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,321 20,888 SH   SOLE   0 0 20,888
VEEVA SYS INC CL A COM 922475108 352 1,220 SH   SOLE   0 0 1,220
VERIZON COMMUNICATIONS INC COM 92343V104 231 4,268 SH   SOLE   0 0 4,268
VISA INC COM CL A 92826C839 367 1,649 SH   SOLE   0 0 1,649
WHIRLPOOL CORP COM 963320106 1,265 6,203 SH   SOLE   0 0 6,203