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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 444,370 4,037 SH   SOLE   0 0 4,037
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,112,189 7,177 SH   SOLE   0 0 7,177
ACNB CORP COM 000868109 BBG001S6CVZ3 433,948 9,695 SH   SOLE   0 0 9,695
ADOBE INC COM 00724F101 BBG001S5NCQ5 319,181 535 SH   SOLE   0 0 535
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 13,277,535 95,050 SH   SOLE   0 0 95,050
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 661,807 4,696 SH   SOLE   0 0 4,696
AMAZON COM INC COM 023135106 BBG001S5PQL7 11,553,821 76,042 SH   SOLE   0 0 76,042
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 1,510,156 6,995 SH   SOLE   0 0 6,995
AMGEN INC COM 031162100 BBG001S5NNL6 260,642 905 SH   SOLE   0 0 905
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 BBG001S8J4S0 387,400 20,000 SH   SOLE   0 0 20,000
APPLE INC COM 037833100 BBG001S5N8V8 21,702,290 112,722 SH   SOLE   0 0 112,722
AT&T INC COM 00206R102 BBG001S5VWH2 467,040 27,833 SH   SOLE   0 0 27,833
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 2,088,532 8,965 SH   SOLE   0 0 8,965
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 201,642 3,874 SH   SOLE   0 0 3,874
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 3,612,609 10,129 SH   SOLE   0 0 10,129
BLACKSTONE INC COM 09260D107 BBG001S7H949 3,343,119 25,536 SH   SOLE   0 0 25,536
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 2,132,059 41,553 SH   SOLE   0 0 41,553
BROADCOM INC COM 11135F101 BBG00KHY5SY8 345,795 310 SH   SOLE   0 0 310
CATERPILLAR INC COM 149123101 BBG001S5PJ06 430,124 1,455 SH   SOLE   0 0 1,455
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 3,506,165 23,506 SH   SOLE   0 0 23,506
CHIMERA INVT CORP COM NEW 16934Q208 BBG001SR1G28 254,490 51,000 SH   SOLE   0 0 51,000
CISCO SYS INC COM 17275R102 BBG001S6HC62 294,674 5,833 SH   SOLE   0 0 5,833
COCA COLA CO COM 191216100 BBG001S5SMQ8 295,649 5,017 SH   SOLE   0 0 5,017
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 248,686 5,671 SH   SOLE   0 0 5,671
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 11,280,188 17,089 SH   SOLE   0 0 17,089
CROWN HLDGS INC COM 228368106 BBG001S5PKZ5 200,204 2,174 SH   SOLE   0 0 2,174
D R HORTON INC COM 23331A109 BBG001S8M692 1,491,382 9,813 SH   SOLE   0 0 9,813
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 1,444,024 6,242 SH   SOLE   0 0 6,242
DEERE & CO COM 244199105 BBG001S5QFF7 502,492 1,257 SH   SOLE   0 0 1,257
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 231,413 3,025 SH   SOLE   0 0 3,025
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 234,039 6,288 SH   SOLE   0 0 6,288
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 276,935 4,645 SH   SOLE   0 0 4,645
DOW INC COM 260557103 BBG00BN96931 323,666 5,902 SH   SOLE   0 0 5,902
EASTMAN CHEM CO COM 277432100 BBG001S7JNP3 1,137,680 12,666 SH   SOLE   0 0 12,666
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,751,330 3,004 SH   SOLE   0 0 3,004
EOG RES INC COM 26875P101 BBG001S5ZB93 1,873,850 15,493 SH   SOLE   0 0 15,493
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,773,745 17,741 SH   SOLE   0 0 17,741
F N B CORP COM 302520101 BBG001S5R1Q5 221,353 16,075 SH   SOLE   0 0 16,075
FLEXSTEEL INDS INC COM 339382103 BBG001S5R835 209,461 11,112 SH   SOLE   0 0 11,112
FORD MTR CO DEL COM 345370860 BBG001S5TZ33 430,887 35,348 SH   SOLE   0 0 35,348
FRANKLIN FINL SVCS CORP COM 353525108 BBG001S6Z4V2 284,982 9,033 SH   SOLE   0 0 9,033
FULTON FINL CORP PA COM 360271100 BBG001S5RF02 899,341 54,638 SH   SOLE   0 0 54,638
GAMING & LEISURE PPTYS INC COM 36467J108 BBG003MSMCT5 263,659 5,343 SH   SOLE   0 0 5,343
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 1,792,677 6,904 SH   SOLE   0 0 6,904
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 263,385 7,107 SH   SOLE   0 0 7,107
HEICO CORP NEW CL A 422806208 BBG001S96YM2 253,884 1,782 SH   SOLE   0 0 1,782
HEICO CORP NEW COM 422806109 BBG001S5RVC4 344,524 1,926 SH   SOLE   0 0 1,926
HENRY SCHEIN INC COM 806407102 BBG001S6S7F1 629,453 8,314 SH   SOLE   0 0 8,314
HERSHEY CO COM 427866108 BBG001S5S148 1,366,727 7,331 SH   SOLE   0 0 7,331
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,824,585 5,265 SH   SOLE   0 0 5,265
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 311,629 1,486 SH   SOLE   0 0 1,486
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 1,783,548 6,809 SH   SOLE   0 0 6,809
INTEL CORP COM 458140100 BBG001S5SF65 209,387 4,167 SH   SOLE   0 0 4,167
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 2,235,471 17,406 SH   SOLE   0 0 17,406
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,581,892 9,672 SH   SOLE   0 0 9,672
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 12,473,434 246,608 SH   SOLE   0 0 246,608
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 11,464,958 97,882 SH   SOLE   0 0 97,882
ISHARES TR A RATE CP BD ETF 46429B291 BBG002NCM1M2 7,092,435 147,360 SH   SOLE   0 0 147,360
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 10,086,099 93,017 SH   SOLE   0 0 93,017
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 77,733,375 1,104,952 SH   SOLE   0 0 1,104,952
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 53,265,434 192,190 SH   SOLE   0 0 192,190
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 35,661,360 329,435 SH   SOLE   0 0 329,435
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 157,273,181 329,278 SH   SOLE   0 0 329,278
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 4,589,206 46,239 SH   SOLE   0 0 46,239
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 451,763 4,306 SH   SOLE   0 0 4,306
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 202,834 3,175 SH   SOLE   0 0 3,175
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 1,141,381 28,664 SH   SOLE   0 0 28,664
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 19,789,686 210,350 SH   SOLE   0 0 210,350
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 534,333 7,091 SH   SOLE   0 0 7,091
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 224,231 2,068 SH   SOLE   0 0 2,068
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 361,316 2,186 SH   SOLE   0 0 2,186
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,239,822 15,950 SH   SOLE   0 0 15,950
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 2,662,243 13,264 SH   SOLE   0 0 13,264
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 486,113 1,776 SH   SOLE   0 0 1,776
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 8,921,246 118,792 SH   SOLE   0 0 118,792
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 6,786,619 39,028 SH   SOLE   0 0 39,028
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 947,194 11,956 SH   SOLE   0 0 11,956
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 3,743,433 23,883 SH   SOLE   0 0 23,883
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,370,088 19,812 SH   SOLE   0 0 19,812
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 2,416,606 11,474 SH   SOLE   0 0 11,474
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 976,918 2,155 SH   SOLE   0 0 2,155
LOWES COS INC COM 548661107 BBG001S5SVL3 447,286 2,010 SH   SOLE   0 0 2,010
LULULEMON ATHLETICA INC COM 550021109 BBG001STBM75 268,427 525 SH   SOLE   0 0 525
M & T BK CORP COM 55261F104 BBG001S7S2B4 619,738 4,521 SH   SOLE   0 0 4,521
MARKEL GROUP INC COM 570535104 BBG001S9ZK95 1,104,682 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 BBG001S78K44 358,347 1,589 SH   SOLE   0 0 1,589
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 9,038,678 21,192 SH   SOLE   0 0 21,192
MCDONALDS CORP COM 580135101 BBG001S5T110 3,062,754 10,329 SH   SOLE   0 0 10,329
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,122,747 10,299 SH   SOLE   0 0 10,299
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 2,072,436 5,855 SH   SOLE   0 0 5,855
MICRON TECHNOLOGY INC COM 595112103 BBG001S6P675 1,703,771 19,965 SH   SOLE   0 0 19,965
MICROSOFT CORP COM 594918104 BBG001S5TD05 21,881,826 58,190 SH   SOLE   0 0 58,190
MID PENN BANCORP INC COM 59540G107 BBG001S5T0G6 1,340,981 55,230 SH   SOLE   0 0 55,230
MID-AMER APT CMNTYS INC COM 59522J103 BBG001S7HZ69 1,144,278 8,510 SH   SOLE   0 0 8,510
NIKE INC CL B 654106103 BBG001S6NTK2 2,189,326 20,165 SH   SOLE   0 0 20,165
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 7,727,508 74,698 SH   SOLE   0 0 74,698
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 7,692,846 15,534 SH   SOLE   0 0 15,534
OLD DOMINION FREIGHT LINE IN COM 679580100 BBG001S6WQT9 206,313 509 SH   SOLE   0 0 509
ORACLE CORP COM 68389X105 BBG001S5SJG6 213,124 2,021 SH   SOLE   0 0 2,021
ORRSTOWN FINL SVCS INC COM 687380105 BBG001S9SXH6 293,738 9,957 SH   SOLE   0 0 9,957
PENNANTPARK INVT CORP COM 708062104 BBG001SSQMH0 172,750 25,000 SH   SOLE   0 0 25,000
PEPSICO INC COM 713448108 BBG001S695T1 2,072,366 12,202 SH   SOLE   0 0 12,202
PFIZER INC COM 717081103 BBG001S5V466 482,094 16,745 SH   SOLE   0 0 16,745
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 536,970 3,468 SH   SOLE   0 0 3,468
PPL CORP COM 69351T106 BBG001S5VC31 276,733 10,212 SH   SOLE   0 0 10,212
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,617,612 17,863 SH   SOLE   0 0 17,863
ROPER TECHNOLOGIES INC COM 776696106 BBG001S9B362 4,154,775 7,621 SH   SOLE   0 0 7,621
SALESFORCE INC COM 79466L302 BBG001SDLP09 209,986 798 SH   SOLE   0 0 798
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 9,210,839 371,555 SH   SOLE   0 0 371,555
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 16,939,754 458,327 SH   SOLE   0 0 458,327
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 3,516,966 70,735 SH   SOLE   0 0 70,735
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,101,269 66,522 SH   SOLE   0 0 66,522
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,347,110 78,087 SH   SOLE   0 0 78,087
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 378,034 4,966 SH   SOLE   0 0 4,966
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 17,169,088 206,956 SH   SOLE   0 0 206,956
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 6,010,435 85,741 SH   SOLE   0 0 85,741
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 91,255,842 1,618,011 SH   SOLE   0 0 1,618,011
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 44,228,741 587,211 SH   SOLE   0 0 587,211
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 28,135,524 595,587 SH   SOLE   0 0 595,587
SERVICENOW INC COM 81762P102 BBG001T4JFC0 269,173 381 SH   SOLE   0 0 381
SFL CORPORATION LTD SHS G7738W106 BBG001SCK846 282,000 25,000 SH   SOLE   0 0 25,000
SIRIUS XM HOLDINGS INC COM 82968B103 BBG001S70ZY6 239,530 43,790 SH   SOLE   0 0 43,790
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 BBG001SRXRN6 1,099,272 40,654 SH   SOLE   0 0 40,654
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,059,080 8,540 SH   SOLE   0 0 8,540
TESLA INC COM 88160R101 BBG001SQKGD7 1,737,869 6,994 SH   SOLE   0 0 6,994
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 8,619,203 16,238 SH   SOLE   0 0 16,238
TJX COS INC NEW COM 872540109 BBG001S5WQ93 207,789 2,215 SH   SOLE   0 0 2,215
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 2,451,683 10,052 SH   SOLE   0 0 10,052
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 1,373,367 37,198 SH   SOLE   0 0 37,198
UNION PAC CORP COM 907818108 BBG001S5X2M0 5,184,023 21,106 SH   SOLE   0 0 21,106
UNITED RENTALS INC COM 911363109 BBG001SBGZ25 4,148,131 7,234 SH   SOLE   0 0 7,234
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,096,083 2,082 SH   SOLE   0 0 2,082
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 1,063,250 24,567 SH   SOLE   0 0 24,567
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 926,788 2,981 SH   SOLE   0 0 2,981
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 216,003 984 SH   SOLE   0 0 984
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,872,765 33,841 SH   SOLE   0 0 33,841
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,548,974 8,125 SH   SOLE   0 0 8,125
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 532,285 2,202 SH   SOLE   0 0 2,202
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 315,607 1,330 SH   SOLE   0 0 1,330
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 240,123 5,842 SH   SOLE   0 0 5,842
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 257,868 5,051 SH   SOLE   0 0 5,051
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 11,523,544 194,261 SH   SOLE   0 0 194,261
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 19,123,023 235,273 SH   SOLE   0 0 235,273
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 15,581,870 336,106 SH   SOLE   0 0 336,106
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 425,603 5,248 SH   SOLE   0 0 5,248
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 814,773 14,058 SH   SOLE   0 0 14,058
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 695,342 14,517 SH   SOLE   0 0 14,517
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 339,827 3,044 SH   SOLE   0 0 3,044
VEEVA SYS INC CL A COM 922475108 BBG001TX0CB4 200,606 1,042 SH   SOLE   0 0 1,042
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 267,242 7,089 SH   SOLE   0 0 7,089
VISA INC COM CL A 92826C839 BBG001SRCFY3 507,047 1,948 SH   SOLE   0 0 1,948
WALMART INC COM 931142103 BBG001S5XH92 1,323,513 8,395 SH   SOLE   0 0 8,395
WHIRLPOOL CORP COM 963320106 BBG001S5XFS5 823,577 6,763 SH   SOLE   0 0 6,763