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 418 4,317 SH   SOLE   0 0 4,317
ABBVIE INC COM 00287Y109 718 5,353 SH   SOLE   0 0 5,353
ALPHABET INC CAP STK CL A 02079K305 9,271 96,922 SH   SOLE   0 0 96,922
ALPHABET INC CAP STK CL C 02079K107 429 4,463 SH   SOLE   0 0 4,463
ALTRIA GROUP INC COM 02209S103 210 5,210 SH   SOLE   0 0 5,210
AMAZON COM INC COM 023135106 8,896 78,723 SH   SOLE   0 0 78,723
AMERICAN TOWER CORP NEW COM 03027X100 1,392 6,484 SH   SOLE   0 0 6,484
APPLE INC COM 037833100 15,518 112,287 SH   SOLE   0 0 112,287
AUTOMATIC DATA PROCESSING IN COM 053015103 2,325 10,280 SH   SOLE   0 0 10,280
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,346 8,784 SH   SOLE   0 0 8,784
BK OF AMERICA CORP COM 060505104 250 8,286 SH   SOLE   0 0 8,286
BLACKSTONE INC COM 09260D107 2,085 24,906 SH   SOLE   0 0 24,906
BRISTOL-MYERS SQUIBB CO COM 110122108 2,548 35,836 SH   SOLE   0 0 35,836
CATERPILLAR INC COM 149123101 250 1,526 SH   SOLE   0 0 1,526
CHEVRON CORP NEW COM 166764100 3,445 23,982 SH   SOLE   0 0 23,982
CISCO SYS INC COM 17275R102 420 10,502 SH   SOLE   0 0 10,502
CITIZENS FINL GROUP INC COM 174610105 1,416 41,206 SH   SOLE   0 0 41,206
COCA COLA CO COM 191216100 319 5,701 SH   SOLE   0 0 5,701
COLGATE PALMOLIVE CO COM 194162103 471 6,704 SH   SOLE   0 0 6,704
COMCAST CORP NEW CL A 20030N101 241 8,220 SH   SOLE   0 0 8,220
COSTCO WHSL CORP NEW COM 22160K105 7,236 15,322 SH   SOLE   0 0 15,322
D R HORTON INC COM 23331A109 724 10,751 SH   SOLE   0 0 10,751
DANAHER CORPORATION COM 235851102 1,560 6,039 SH   SOLE   0 0 6,039
DEERE & CO COM 244199105 398 1,191 SH   SOLE   0 0 1,191
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 216 4,645 SH   SOLE   0 0 4,645
EASTMAN CHEM CO COM 277432100 947 13,336 SH   SOLE   0 0 13,336
EOG RES INC COM 26875P101 1,793 16,047 SH   SOLE   0 0 16,047
EXXON MOBIL CORP COM 30231G102 926 10,604 SH   SOLE   0 0 10,604
F N B CORP COM 302520101 330 28,428 SH   SOLE   0 0 28,428
FRANKLIN FINL SVCS CORP COM 353525108 392 12,422 SH   SOLE   0 0 12,422
FULTON FINL CORP PA COM 360271100 696 44,036 SH   SOLE   0 0 44,036
GAMING & LEISURE PPTYS INC COM 36467J108 219 4,943 SH   SOLE   0 0 4,943
GENERAL DYNAMICS CORP COM 369550108 450 2,119 SH   SOLE   0 0 2,119
HEICO CORP NEW CL A 422806208 204 1,780 SH   SOLE   0 0 1,780
HEICO CORP NEW COM 422806109 280 1,942 SH   SOLE   0 0 1,942
HENRY SCHEIN INC COM 806407102 838 12,741 SH   SOLE   0 0 12,741
HERSHEY CO COM 427866108 1,704 7,727 SH   SOLE   0 0 7,727
HOME DEPOT INC COM 437076102 1,513 5,484 SH   SOLE   0 0 5,484
HONEYWELL INTL INC COM 438516106 218 1,308 SH   SOLE   0 0 1,308
ILLINOIS TOOL WKS INC COM 452308109 1,283 7,101 SH   SOLE   0 0 7,101
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,529 16,923 SH   SOLE   0 0 16,923
INTERNATIONAL BUSINESS MACHS COM 459200101 1,202 10,115 SH   SOLE   0 0 10,115
ISHARES INC CORE MSCI EMKT 46434G103 11,743 273,212 SH   SOLE   0 0 273,212
ISHARES TR 3 7 YR TREAS BD 464288661 9,545 83,521 SH   SOLE   0 0 83,521
ISHARES TR A RATE CP BD ETF 46429B291 4,935 108,776 SH   SOLE   0 0 108,776
ISHARES TR AGENCY BOND ETF 464288166 10,290 96,617 SH   SOLE   0 0 96,617
ISHARES TR CORE MSCI EAFE 46432F842 69,381 1,317,285 SH   SOLE   0 0 1,317,285
ISHARES TR CORE S&P MCP ETF 464287507 34,876 159,062 SH   SOLE   0 0 159,062
ISHARES TR CORE S&P SCP ETF 464287804 26,208 300,583 SH   SOLE   0 0 300,583
ISHARES TR CORE S&P500 ETF 464287200 87,669 244,442 SH   SOLE   0 0 244,442
ISHARES TR CORE US AGGBD ET 464287226 3,605 37,424 SH   SOLE   0 0 37,424
ISHARES TR ESG AWR MSCI USA 46435G425 351 4,426 SH   SOLE   0 0 4,426
ISHARES TR ESG MSCI USA ETF 46436E767 539 19,244 SH   SOLE   0 0 19,244
ISHARES TR MBS ETF 464288588 18,395 200,864 SH   SOLE   0 0 200,864
ISHARES TR NATIONAL MUN ETF 464288414 400 3,898 SH   SOLE   0 0 3,898
ISHARES TR RUS MID CAP ETF 464287499 882 14,195 SH   SOLE   0 0 14,195
ISHARES TR RUSSELL 2000 ETF 464287655 2,453 14,876 SH   SOLE   0 0 14,876
ISHARES TR RUSSELL 3000 ETF 464287689 359 1,734 SH   SOLE   0 0 1,734
ISHARES TR S&P 500 GRWT ETF 464287309 6,860 118,590 SH   SOLE   0 0 118,590
ISHARES TR S&P 500 VAL ETF 464287408 5,137 39,974 SH   SOLE   0 0 39,974
ISHARES TR S&P MC 400GR ETF 464287606 844 13,388 SH   SOLE   0 0 13,388
JOHNSON & JOHNSON COM 478160104 7,957 48,707 SH   SOLE   0 0 48,707
JPMORGAN CHASE & CO COM 46625H100 1,942 18,584 SH   SOLE   0 0 18,584
L3HARRIS TECHNOLOGIES INC COM 502431109 3,596 17,303 SH   SOLE   0 0 17,303
LILLY ELI & CO COM 532457108 334 1,034 SH   SOLE   0 0 1,034
LOCKHEED MARTIN CORP COM 539830109 1,011 2,616 SH   SOLE   0 0 2,616
LOWES COS INC COM 548661107 306 1,628 SH   SOLE   0 0 1,628
M & T BK CORP COM 55261F104 684 3,878 SH   SOLE   0 0 3,878
MARKEL CORP COM 570535104 844 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 209 1,489 SH   SOLE   0 0 1,489
MARSH & MCLENNAN COS INC COM 571748102 257 1,723 SH   SOLE   0 0 1,723
MASTERCARD INCORPORATED CL A 57636Q104 6,836 24,042 SH   SOLE   0 0 24,042
MCDONALDS CORP COM 580135101 2,259 9,791 SH   SOLE   0 0 9,791
MERCK & CO INC COM 58933Y105 458 5,322 SH   SOLE   0 0 5,322
META PLATFORMS INC CL A 30303M102 815 6,005 SH   SOLE   0 0 6,005
MICRON TECHNOLOGY INC COM 595112103 970 19,353 SH   SOLE   0 0 19,353
MICROSOFT CORP COM 594918104 14,326 61,510 SH   SOLE   0 0 61,510
MID PENN BANCORP INC COM 59540G107 1,577 54,896 SH   SOLE   0 0 54,896
MID-AMER APT CMNTYS INC COM 59522J103 1,908 12,307 SH   SOLE   0 0 12,307
NIKE INC CL B 654106103 1,881 22,624 SH   SOLE   0 0 22,624
NOVO-NORDISK A S ADR 670100205 4,450 44,662 SH   SOLE   0 0 44,662
NVIDIA CORPORATION COM 67066G104 2,147 17,690 SH   SOLE   0 0 17,690
ORRSTOWN FINL SVCS INC COM 687380105 235 9,821 SH   SOLE   0 0 9,821
PEPSICO INC COM 713448108 2,121 12,991 SH   SOLE   0 0 12,991
PFIZER INC COM 717081103 622 14,205 SH   SOLE   0 0 14,205
PIONEER NAT RES CO COM 723787107 1,672 7,721 SH   SOLE   0 0 7,721
PPL CORP COM 69351T106 332 13,095 SH   SOLE   0 0 13,095
PROCTER AND GAMBLE CO COM 742718109 2,355 18,653 SH   SOLE   0 0 18,653
PRUDENTIAL FINL INC COM 744320102 1,287 15,008 SH   SOLE   0 0 15,008
ROPER TECHNOLOGIES INC COM 776696106 2,984 8,298 SH   SOLE   0 0 8,298
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,247 457,435 SH   SOLE   0 0 457,435
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,576 518,175 SH   SOLE   0 0 518,175
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 4,007 81,549 SH   SOLE   0 0 81,549
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,405 75,158 SH   SOLE   0 0 75,158
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,305 78,720 SH   SOLE   0 0 78,720
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 937 14,099 SH   SOLE   0 0 14,099
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,342 203,232 SH   SOLE   0 0 203,232
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,360 91,610 SH   SOLE   0 0 91,610
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 57,945 1,368,243 SH   SOLE   0 0 1,368,243
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 33,463 552,841 SH   SOLE   0 0 552,841
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 21,647 572,665 SH   SOLE   0 0 572,665
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,076 50,731 SH   SOLE   0 0 50,731
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,177 8,894 SH   SOLE   0 0 8,894
TARGET CORP COM 87612E106 1,355 9,134 SH   SOLE   0 0 9,134
TESLA INC COM 88160R101 356 1,341 SH   SOLE   0 0 1,341
THERMO FISHER SCIENTIFIC INC COM 883556102 9,374 18,482 SH   SOLE   0 0 18,482
TRANE TECHNOLOGIES PLC SHS G8994E103 1,606 11,091 SH   SOLE   0 0 11,091
TRUIST FINL CORP COM 89832Q109 1,597 36,685 SH   SOLE   0 0 36,685
UNION PAC CORP COM 907818108 4,704 24,143 SH   SOLE   0 0 24,143
UNITED RENTALS INC COM 911363109 2,065 7,646 SH   SOLE   0 0 7,646
UNITEDHEALTH GROUP INC COM 91324P102 1,230 2,435 SH   SOLE   0 0 2,435
US BANCORP DEL COM NEW 902973304 1,025 25,421 SH   SOLE   0 0 25,421
VANGUARD INDEX FDS GROWTH ETF 922908736 387 1,809 SH   SOLE   0 0 1,809
VANGUARD INDEX FDS MID CAP ETF 922908629 7,042 37,462 SH   SOLE   0 0 37,462
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 427 5,332 SH   SOLE   0 0 5,332
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,094 6,377 SH   SOLE   0 0 6,377
VANGUARD INDEX FDS SML CP GRW ETF 922908595 411 2,106 SH   SOLE   0 0 2,106
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 225 4,667 SH   SOLE   0 0 4,667
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 10,110 173,381 SH   SOLE   0 0 173,381
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 17,831 235,616 SH   SOLE   0 0 235,616
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 19,589 434,446 SH   SOLE   0 0 434,446
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 328 4,920 SH   SOLE   0 0 4,920
VANGUARD STAR FDS VG TL INTL STK F 921909768 951 20,776 SH   SOLE   0 0 20,776
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 338 9,291 SH   SOLE   0 0 9,291
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 210 2,214 SH   SOLE   0 0 2,214
VEEVA SYS INC CL A COM 922475108 202 1,226 SH   SOLE   0 0 1,226
VERIZON COMMUNICATIONS INC COM 92343V104 404 10,638 SH   SOLE   0 0 10,638
VISA INC COM CL A 92826C839 359 2,022 SH   SOLE   0 0 2,022
WHIRLPOOL CORP COM 963320106 918 6,813 SH   SOLE   0 0 6,813