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
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   40,120,610 1,245,595 SH   SOLE   1,190,469 0 55,126
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   31,455,046 696,679 SH   SOLE   613,883 0 82,796
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   19,220,461 798,855 SH   SOLE   701,763 0 97,092
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   17,090,020 365,875 SH   SOLE   344,723 0 21,152
MCCORMICK & CO INC COM NON VTG 579780206   15,521,976 187,260 SH   OTR   160,908 0 26,352
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,283,866 232,950 SH   SOLE   211,790 0 21,160
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   11,725,324 155,220 SH   SOLE   145,455 0 9,765
APPLE INC COM 037833100   10,828,103 83,338 SH   OTR   82,334 0 1,004
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   7,052,475 143,256 SH   SOLE   137,793 0 5,463
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   5,707,516 116,742 SH   SOLE   114,229 0 2,513
10X GENOMICS INC CL A COM 88025U109   5,701,293 156,457 SH   OTR   156,457 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   4,758,338 116,142 SH   SOLE   113,023 0 3,119
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   4,687,208 148,942 SH   SOLE   145,867 0 3,075
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,287,288 59,348 SH   SOLE   50,624 0 8,724
MICROSOFT CORP COM 594918104   4,247,591 17,712 SH   OTR   17,539 0 173
ISHARES TR DOW JONES US ETF 464287846   4,065,065 43,500 SH   SOLE   39,454 0 4,046
MCDONALDS CORP COM 580135101   3,022,461 11,469 SH   OTR   11,469 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,947,132 65,770 SH   SOLE   65,184 0 586
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   2,857,608 29,761 SH   SOLE   26,041 0 3,720
SPDR SER TR BLOOMBERG SHT TE 78468R408   2,690,107 110,978 SH   SOLE   108,418 0 2,560
180 DEGREE CAP CORP COM NEW 68235B208   2,683,254 508,192 SH   OTR   494,657 0 13,535
ISHARES TR CORE S&P500 ETF 464287200   2,484,960 6,468 SH   SOLE   5,162 0 1,306
PATRICK INDS INC COM 703343103   2,153,486 35,536 SH   OTR   35,536 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   1,867,615 41,521 SH   SOLE   37,784 0 3,737
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,851,587 62,364 SH   SOLE   57,523 0 4,841
LOCKHEED MARTIN CORP COM 539830109   1,843,644 3,790 SH   OTR   3,790 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,838,445 18,955 SH   SOLE   18,955 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,833,792 45,799 SH   SOLE   44,509 0 1,290
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   1,789,333 38,373 SH   SOLE   36,548 0 1,825
ISHARES TR RUS MID CAP ETF 464287499   1,568,585 23,256 SH   SOLE   22,120 0 1,136
UNITED PARCEL SERVICE INC CL B 911312106   1,545,264 8,889 SH   OTR   8,889 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,520,488 9,627 SH   OTR   8,127 0 1,500
AMAZON COM INC COM 023135106   1,275,516 15,185 SH   OTR   13,278 0 1,907
PROCTER AND GAMBLE CO COM 742718109   1,178,904 7,778 SH   OTR   7,578 0 200
ISHARES TR CORE S&P TTL STK 464287150   1,116,901 13,171 SH   SOLE   13,171 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,017,358 9,414 SH   SOLE   8,550 0 864
ALPHABET INC CAP STK CL C 02079K107   1,016,316 11,454 SH   OTR   10,710 0 744
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   999,292 3,235 SH   OTR   3,235 0 0
SCHWAB CHARLES CORP COM 808513105   990,890 11,901 SH   OTR   3,100 0 8,801
SPDR SER TR PORTFOLIO S&P400 78464A847   983,322 23,137 SH   SOLE   21,712 0 1,425
MASTERCARD INCORPORATED CL A 57636Q104   964,603 2,774 SH   OTR   2,596 0 178
DANAHER CORPORATION COM 235851102   928,199 3,497 SH   OTR   3,261 0 236
MERCK & CO INC COM 58933Y105   913,898 8,237 SH   OTR   8,237 0 0
VISA INC COM CL A 92826C839   905,746 4,360 SH   OTR   4,053 0 307
DOCUSIGN INC COM 256163106   878,352 15,849 SH   OTR   15,849 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109   833,687 52,236 SH   OTR   52,236 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   799,754 3,988 SH   SOLE   3,986 0 2
ISHARES TR CORE TOTAL USD 46434V613   783,399 17,436 SH   SOLE   17,436 0 0
ALLY FINL INC COM 02005N100   778,679 31,848 SH   SOLE   31,429 0 419
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   775,983 2,209 SH   SOLE   2,053 0 156
FASTENAL CO COM 311900104   763,035 16,125 SH   OTR   15,497 0 628
JOHNSON & JOHNSON COM 478160104   694,777 3,933 SH   OTR   3,933 0 0
JPMORGAN CHASE & CO COM 46625H100   693,163 5,169 SH   OTR   5,169 0 0
ACNB CORP COM 000868109   649,381 16,312 SH   OTR   16,312 0 0
DIGITALBRIDGE GROUP INC NOTE 5.000% 4/1 19624RAA4   646,472 643,000 SH   OTR   543,000 0 100,000
KIMBERLY-CLARK CORP COM 494368103   645,491 4,755 SH   OTR   4,755 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   622,187 13,118 SH   SOLE   13,118 0 0
HOME DEPOT INC COM 437076102   615,520 1,949 SH   OTR   1,601 0 348
ISHARES TR CORE MSCI TOTAL 46432F834   600,210 10,370 SH   SOLE   10,370 0 0
UNITEDHEALTH GROUP INC COM 91324P102   590,621 1,114 SH   OTR   1,114 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   580,996 5,757 SH   OTR   5,757 0 0
CHEVRON CORP NEW COM 166764100   575,265 3,205 SH   OTR   3,205 0 0
ISHARES TR CORE S&P MCP ETF 464287507   574,973 2,377 SH   SOLE   2,377 0 0
TRANSDIGM GROUP INC COM 893641100   556,611 884 SH   OTR   795 0 89
HEICO CORP NEW CL A 422806208   553,707 4,620 SH   OTR   4,142 0 478
SPDR SER TR PRTFLO S&P500 HI 78468R788   534,013 13,492 SH   SOLE   13,439 0 53
ISHARES TR SELECT DIVID ETF 464287168   517,463 4,291 SH   SOLE   4,291 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   511,595 1,928 SH   OTR   1,746 0 182
THERMO FISHER SCIENTIFIC INC COM 883556102   505,533 918 SH   OTR   824 0 94
CBRE GROUP INC CL A 12504L109   504,088 6,550 SH   OTR   5,866 0 684
COSTCO WHSL CORP NEW COM 22160K105   503,623 1,103 SH   OTR   1,103 0 0
CATERPILLAR INC COM 149123101   503,076 2,100 SH   OTR   2,100 0 0
CSX CORP COM 126408103   495,898 16,007 SH   OTR   16,007 0 0
S&P GLOBAL INC COM 78409V104   491,692 1,468 SH   SOLE   1,318 0 150
TJX COS INC NEW COM 872540109   486,117 6,107 SH   OTR   6,107 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   464,422 1,454 SH   SOLE   1,454 0 0
MCCORMICK & CO INC COM VTG 579780107   449,161 5,466 SH   OTR   5,466 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   448,603 9,827 SH   SOLE   9,827 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   435,720 9,032 SH   SOLE   9,032 0 0
VULCAN MATLS CO COM 929160109   433,923 2,478 SH   OTR   2,220 0 258
QUALCOMM INC COM 747525103   432,064 3,930 SH   OTR   3,589 0 341
ALPHABET INC CAP STK CL A 02079K305   427,033 4,840 SH   OTR   4,840 0 0
ISHARES TR CORE S&P SCP ETF 464287804   426,813 4,510 SH   SOLE   4,078 0 432
AT&T INC COM 00206R102   424,345 23,050 SH   OTR   23,022 0 28
EXXON MOBIL CORP COM 30231G102   420,597 3,813 SH   OTR   3,813 0 0
BIO-TECHNE CORP COM 09073M104   418,710 5,052 SH   OTR   4,536 0 516
TESLA INC COM 88160R101   409,458 3,324 SH   OTR   3,324 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   408,524 10,369 SH   OTR   10,369 0 0
AXSOME THERAPEUTICS INC COM 05464T104   402,619 5,220 SH   OTR   5,220 0 0
ABBVIE INC COM 00287Y109   400,592 2,479 SH   OTR   2,479 0 0
LENDINGTREE INC NOTE 0.500% 7/1 52603BAD9   394,899 542,000 SH   OTR   516,000 0 26,000
NVIDIA CORPORATION COM 67066G104   393,998 2,696 SH   OTR   1,768 0 928
ANSYS INC COM 03662Q105   389,201 1,611 SH   OTR   1,447 0 164
ISHARES TR RUS MD CP GR ETF 464287481   379,878 4,544 SH   SOLE   4,544 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   378,477 12,869 SH   SOLE   10,146 0 2,723
HERSHEY CO COM 427866108   358,114 1,546 SH   OTR   1,546 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   355,767 5,306 SH   SOLE   5,306 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   353,373 1,425 SH   SOLE   1,425 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   349,894 12,390 SH   SOLE   10,527 0 1,863
WESBANCO INC COM 950810101   337,516 9,127 SH   OTR   9,127 0 0
GUIDEWIRE SOFTWARE INC COM 40171V100   337,198 5,390 SH   OTR   4,830 0 560
ILLUMINA INC COM 452327109   335,854 1,661 SH   OTR   1,490 0 171
EXELON CORP COM 30161N101   312,110 7,220 SH   OTR   7,220 0 0
MOODYS CORP COM 615369105   305,257 1,096 SH   OTR   985 0 111
ECOLAB INC COM 278865100   302,619 2,079 SH   OTR   1,866 0 213
BECTON DICKINSON & CO COM 075887109   299,311 1,177 SH   OTR   1,177 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   298,434 1,634 SH   SOLE   1,634 0 0
AMERICAN TOWER CORP NEW COM 03027X100   295,757 1,396 SH   SOLE   1,301 0 95
ISHARES INC MSCI EM ASIA ETF 464286426   292,475 4,619 SH   SOLE   4,619 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   290,394 2,248 SH   SOLE   2,248 0 0
TELEFLEX INCORPORATED COM 879369106   289,571 1,160 SH   OTR   1,043 0 117
ROYALTY PHARMA PLC SHS CLASS A G7709Q104   288,496 7,300 SH   OTR   7,300 0 0
COSTAR GROUP INC COM 22160N109   285,240 3,691 SH   OTR   3,307 0 384
VEEVA SYS INC CL A COM 922475108   279,349 1,731 SH   OTR   1,558 0 173
ABBOTT LABS COM 002824100   279,197 2,543 SH   OTR   2,543 0 0
PEPSICO INC COM 713448108   265,875 1,472 SH   OTR   1,472 0 0
WASTE CONNECTIONS INC COM 94106B101   261,939 1,976 SH   OTR   1,770 0 206
VAALCO ENERGY INC COM NEW 91851C201   259,920 57,000 SH   OTR   57,000 0 0
CARMAX INC COM 143130102   259,879 4,268 SH   OTR   3,829 0 439
OMNICOM GROUP INC COM 681919106   248,740 3,049 SH   OTR   3,049 0 0
DOLLAR GEN CORP NEW COM 256677105   245,265 996 SH   OTR   894 0 102
INTERNATIONAL BUSINESS MACHS COM 459200101   239,929 1,703 SH   OTR   1,703 0 0
BLACKLINE INC COM 09239B109   230,871 3,432 SH   OTR   3,078 0 354
M & T BK CORP COM 55261F104   228,127 1,573 SH   OTR   1,573 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   227,918 4,498 SH   SOLE   3,846 0 652
BRISTOL-MYERS SQUIBB CO COM 110122108   227,362 3,160 SH   OTR   3,160 0 0
ISHARES TR MSCI ACWI ETF 464288257   226,630 2,670 SH   SOLE   2,670 0 0
AMGEN INC COM 031162100   209,343 797 SH   OTR   697 0 100
LILLY ELI & CO COM 532457108   209,320 572 SH   OTR   572 0 0
CISCO SYS INC COM 17275R102   208,172 4,370 SH   OTR   3,870 0 500
LINDE PLC SHS G5494J103   204,189 626 SH   OTR   626 0 0
CONSTELLATION ENERGY CORP COM 21037T109   203,472 2,360 SH   OTR   2,360 0 0
YEXT INC COM 98585N106   97,950 15,000 SH   OTR   15,000 0 0
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   16,900 10,000 SH   OTR   10,000 0 0
TERAWULF INC COM 88080T104   6,656 10,000 SH   OTR   10,000 0 0