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 515 4,740 SH   SOLE   0 0 4,740
ABBVIE INC COM 00287Y109 831 5,428 SH   SOLE   0 0 5,428
ADOBE SYSTEMS INCORPORATED COM 00724F101 200 547 SH   SOLE   0 0 547
ALPHABET INC CAP STK CL A 02079K305 10,654 4,889 SH   SOLE   0 0 4,889
ALPHABET INC CAP STK CL C 02079K107 468 214 SH   SOLE   0 0 214
ALTRIA GROUP INC COM 02209S103 217 5,198 SH   SOLE   0 0 5,198
AMAZON COM INC COM 023135106 8,388 78,976 SH   SOLE   0 0 78,976
AMERICAN TOWER CORP NEW COM 03027X100 1,644 6,430 SH   SOLE   0 0 6,430
APPLE INC COM 037833100 15,375 112,458 SH   SOLE   0 0 112,458
AT&T INC COM 00206R102 208 9,942 SH   SOLE   0 0 9,942
AUTOMATIC DATA PROCESSING IN COM 053015103 2,153 10,248 SH   SOLE   0 0 10,248
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,430 8,901 SH   SOLE   0 0 8,901
BLACKSTONE INC COM 09260D107 2,299 25,200 SH   SOLE   0 0 25,200
BRISTOL-MYERS SQUIBB CO COM 110122108 2,764 35,895 SH   SOLE   0 0 35,895
CATERPILLAR INC COM 149123101 273 1,526 SH   SOLE   0 0 1,526
CHEVRON CORP NEW COM 166764100 3,475 24,003 SH   SOLE   0 0 24,003
CISCO SYS INC COM 17275R102 411 9,645 SH   SOLE   0 0 9,645
CITIZENS FINL GROUP INC COM 174610105 1,460 40,895 SH   SOLE   0 0 40,895
COCA COLA CO COM 191216100 361 5,733 SH   SOLE   0 0 5,733
COLGATE PALMOLIVE CO COM 194162103 537 6,703 SH   SOLE   0 0 6,703
COMCAST CORP NEW CL A 20030N101 318 8,114 SH   SOLE   0 0 8,114
COSTCO WHSL CORP NEW COM 22160K105 7,442 15,527 SH   SOLE   0 0 15,527
CROWN HLDGS INC COM 228368106 231 2,507 SH   SOLE   0 0 2,507
D R HORTON INC COM 23331A109 716 10,817 SH   SOLE   0 0 10,817
DANAHER CORPORATION COM 235851102 1,532 6,042 SH   SOLE   0 0 6,042
DEERE & CO COM 244199105 356 1,189 SH   SOLE   0 0 1,189
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 223 4,645 SH   SOLE   0 0 4,645
EASTMAN CHEM CO COM 277432100 1,180 13,146 SH   SOLE   0 0 13,146
EOG RES INC COM 26875P101 1,757 15,908 SH   SOLE   0 0 15,908
EXXON MOBIL CORP COM 30231G102 856 9,994 SH   SOLE   0 0 9,994
F N B CORP COM 302520101 309 28,428 SH   SOLE   0 0 28,428
FLEXSTEEL INDS INC COM 339382103 200 11,112 SH   SOLE   0 0 11,112
FRANKLIN FINL SVCS CORP COM 353525108 375 12,422 SH   SOLE   0 0 12,422
FULTON FINL CORP PA COM 360271100 634 43,909 SH   SOLE   0 0 43,909
GAMING & LEISURE PPTYS INC COM 36467J108 227 4,943 SH   SOLE   0 0 4,943
GENERAL DYNAMICS CORP COM 369550108 466 2,106 SH   SOLE   0 0 2,106
HEICO CORP NEW COM 422806109 254 1,941 SH   SOLE   0 0 1,941
HENRY SCHEIN INC COM 806407102 988 12,869 SH   SOLE   0 0 12,869
HERSHEY CO COM 427866108 1,660 7,715 SH   SOLE   0 0 7,715
HOME DEPOT INC COM 437076102 1,488 5,424 SH   SOLE   0 0 5,424
HONEYWELL INTL INC COM 438516106 220 1,266 SH   SOLE   0 0 1,266
ILLINOIS TOOL WKS INC COM 452308109 1,269 6,963 SH   SOLE   0 0 6,963
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,585 16,855 SH   SOLE   0 0 16,855
INTERNATIONAL BUSINESS MACHS COM 459200101 1,378 9,761 SH   SOLE   0 0 9,761
ISHARES INC CORE MSCI EMKT 46434G103 13,623 277,689 SH   SOLE   0 0 277,689
ISHARES TR 3 7 YR TREAS BD 464288661 9,637 80,757 SH   SOLE   0 0 80,757
ISHARES TR A RATE CP BD ETF 46429B291 4,784 99,103 SH   SOLE   0 0 99,103
ISHARES TR AGENCY BOND ETF 464288166 10,566 96,076 SH   SOLE   0 0 96,076
ISHARES TR CORE MSCI EAFE 46432F842 79,365 1,348,602 SH   SOLE   0 0 1,348,602
ISHARES TR CORE S&P MCP ETF 464287507 34,117 150,807 SH   SOLE   0 0 150,807
ISHARES TR CORE S&P SCP ETF 464287804 26,950 291,634 SH   SOLE   0 0 291,634
ISHARES TR CORE S&P500 ETF 464287200 84,167 221,989 SH   SOLE   0 0 221,989
ISHARES TR CORE US AGGBD ET 464287226 3,678 36,171 SH   SOLE   0 0 36,171
ISHARES TR EAFE SML CP ETF 464288273 202 3,701 SH   SOLE   0 0 3,701
ISHARES TR ESG AWR MSCI USA 46435G425 374 4,458 SH   SOLE   0 0 4,458
ISHARES TR ESG MSCI USA ETF 46436E767 353 11,818 SH   SOLE   0 0 11,818
ISHARES TR MBS ETF 464288588 18,719 192,008 SH   SOLE   0 0 192,008
ISHARES TR NATIONAL MUN ETF 464288414 353 3,323 SH   SOLE   0 0 3,323
ISHARES TR RUS MID CAP ETF 464287499 953 14,737 SH   SOLE   0 0 14,737
ISHARES TR RUSSELL 2000 ETF 464287655 2,533 14,957 SH   SOLE   0 0 14,957
ISHARES TR RUSSELL 3000 ETF 464287689 377 1,734 SH   SOLE   0 0 1,734
ISHARES TR S&P 500 GRWT ETF 464287309 7,286 120,731 SH   SOLE   0 0 120,731
ISHARES TR S&P 500 VAL ETF 464287408 5,581 40,601 SH   SOLE   0 0 40,601
ISHARES TR S&P MC 400GR ETF 464287606 860 13,495 SH   SOLE   0 0 13,495
JOHNSON & JOHNSON COM 478160104 8,562 48,233 SH   SOLE   0 0 48,233
JPMORGAN CHASE & CO COM 46625H100 1,999 17,755 SH   SOLE   0 0 17,755
L3HARRIS TECHNOLOGIES INC COM 502431109 4,173 17,266 SH   SOLE   0 0 17,266
LILLY ELI & CO COM 532457108 331 1,022 SH   SOLE   0 0 1,022
LOCKHEED MARTIN CORP COM 539830109 1,149 2,672 SH   SOLE   0 0 2,672
LOWES COS INC COM 548661107 284 1,625 SH   SOLE   0 0 1,625
M & T BK CORP COM 55261F104 616 3,866 SH   SOLE   0 0 3,866
MARKEL CORP COM 570535104 1,006 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 202 1,488 SH   SOLE   0 0 1,488
MARSH & MCLENNAN COS INC COM 571748102 265 1,707 SH   SOLE   0 0 1,707
MASTERCARD INCORPORATED CL A 57636Q104 7,678 24,336 SH   SOLE   0 0 24,336
MCDONALDS CORP COM 580135101 2,449 9,918 SH   SOLE   0 0 9,918
MERCK & CO INC COM 58933Y105 437 4,792 SH   SOLE   0 0 4,792
META PLATFORMS INC CL A 30303M102 997 6,180 SH   SOLE   0 0 6,180
MICRON TECHNOLOGY INC COM 595112103 1,032 18,671 SH   SOLE   0 0 18,671
MICROSOFT CORP COM 594918104 15,639 60,891 SH   SOLE   0 0 60,891
MID PENN BANCORP INC COM 59540G107 1,481 54,896 SH   SOLE   0 0 54,896
MID-AMER APT CMNTYS INC COM 59522J103 2,164 12,392 SH   SOLE   0 0 12,392
NIKE INC CL B 654106103 2,319 22,693 SH   SOLE   0 0 22,693
NOVO-NORDISK A S ADR 670100205 4,977 44,662 SH   SOLE   0 0 44,662
NVIDIA CORPORATION COM 67066G104 2,848 18,790 SH   SOLE   0 0 18,790
ORACLE CORP COM 68389X105 220 3,153 SH   SOLE   0 0 3,153
ORRSTOWN FINL SVCS INC COM 687380105 237 9,821 SH   SOLE   0 0 9,821
PEPSICO INC COM 713448108 2,131 12,786 SH   SOLE   0 0 12,786
PFIZER INC COM 717081103 749 14,285 SH   SOLE   0 0 14,285
PIONEER NAT RES CO COM 723787107 1,709 7,661 SH   SOLE   0 0 7,661
PPL CORP COM 69351T106 330 12,149 SH   SOLE   0 0 12,149
PROCTER AND GAMBLE CO COM 742718109 2,684 18,665 SH   SOLE   0 0 18,665
PRUDENTIAL FINL INC COM 744320102 1,401 14,647 SH   SOLE   0 0 14,647
QUALCOMM INC COM 747525103 241 1,884 SH   SOLE   0 0 1,884
ROPER TECHNOLOGIES INC COM 776696106 3,332 8,442 SH   SOLE   0 0 8,442
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,765 463,574 SH   SOLE   0 0 463,574
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,171 577,763 SH   SOLE   0 0 577,763
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 4,318 83,677 SH   SOLE   0 0 83,677
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,632 75,878 SH   SOLE   0 0 75,878
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,399 76,907 SH   SOLE   0 0 76,907
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,033 14,416 SH   SOLE   0 0 14,416
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,726 202,215 SH   SOLE   0 0 202,215
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,979 95,792 SH   SOLE   0 0 95,792
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 58,831 1,317,311 SH   SOLE   0 0 1,317,311
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 34,312 546,983 SH   SOLE   0 0 546,983
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 22,148 568,041 SH   SOLE   0 0 568,041
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,228 51,658 SH   SOLE   0 0 51,658
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,355 8,894 SH   SOLE   0 0 8,894
TARGET CORP COM 87612E106 1,278 9,051 SH   SOLE   0 0 9,051
TESLA INC COM 88160R101 302 448 SH   SOLE   0 0 448
THERMO FISHER SCIENTIFIC INC COM 883556102 10,240 18,849 SH   SOLE   0 0 18,849
TRANE TECHNOLOGIES PLC SHS G8994E103 1,443 11,110 SH   SOLE   0 0 11,110
TRUIST FINL CORP COM 89832Q109 1,716 36,184 SH   SOLE   0 0 36,184
UNION PAC CORP COM 907818108 5,109 23,956 SH   SOLE   0 0 23,956
UNITED RENTALS INC COM 911363109 1,896 7,805 SH   SOLE   0 0 7,805
UNITEDHEALTH GROUP INC COM 91324P102 1,253 2,440 SH   SOLE   0 0 2,440
US BANCORP DEL COM NEW 902973304 1,140 24,780 SH   SOLE   0 0 24,780
VANGUARD INDEX FDS GROWTH ETF 922908736 403 1,809 SH   SOLE   0 0 1,809
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 311 1,773 SH   SOLE   0 0 1,773
VANGUARD INDEX FDS MID CAP ETF 922908629 7,338 37,254 SH   SOLE   0 0 37,254
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 491 5,391 SH   SOLE   0 0 5,391
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,208 6,367 SH   SOLE   0 0 6,367
VANGUARD INDEX FDS SML CP GRW ETF 922908595 415 2,106 SH   SOLE   0 0 2,106
VANGUARD INDEX FDS TOTAL STK MKT 922908769 265 1,403 SH   SOLE   0 0 1,403
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 227 4,545 SH   SOLE   0 0 4,545
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 10,530 172,174 SH   SOLE   0 0 172,174
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,677 233,398 SH   SOLE   0 0 233,398
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 20,939 437,955 SH   SOLE   0 0 437,955
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 336 4,920 SH   SOLE   0 0 4,920
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,070 20,732 SH   SOLE   0 0 20,732
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 378 9,264 SH   SOLE   0 0 9,264
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 223 2,197 SH   SOLE   0 0 2,197
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 207 880 SH   SOLE   0 0 880
VEEVA SYS INC CL A COM 922475108 243 1,226 SH   SOLE   0 0 1,226
VERIZON COMMUNICATIONS INC COM 92343V104 505 9,946 SH   SOLE   0 0 9,946
VISA INC COM CL A 92826C839 418 2,122 SH   SOLE   0 0 2,122
WHIRLPOOL CORP COM 963320106 1,028 6,636 SH   SOLE   0 0 6,636