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
COSTAR GROUP INC COM 22160N109 20 24 SH   DFND 2 0 0 24
BROADCOM INC COM 11135F101 20 56 SH   DFND 2 0 0 56
AMERICAN TOWER CORP NEW COM 03027X100 20 81 SH   DFND 2 0 0 81
QUIDEL CORP COM 74838J101 20 89 SH   SOLE 1 0 0 89
CONSTELLATION BRANDS INC CL A 21036P108 20 108 SH   SOLE 1 0 0 108
ABBVIE INC COM 00287Y109 29 333 SH   DFND 2 0 0 333
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 20 190 SH   SOLE 1 0 0 190
MEDTRONIC PLC SHS G5960L103 20 196 SH   DFND 2 0 0 196
SYSCO CORP COM 871829107 20 320 SH   SOLE 1 0 0 320
DELTA AIR LINES INC DEL COM NEW 247361702 20 666 SH   SOLE 1 0 0 666
AIR PRODS & CHEMS INC COM 009158106 21 71 SH   DFND 2 0 0 71
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 21 92 SH   DFND 2 0 0 92
NORFOLK SOUTHN CORP COM 655844108 21 100 SH   DFND 2 0 0 100
CROWN CASTLE INTL CORP NEW COM 22822V101 21 127 SH   DFND 2 0 0 127
HESS CORP COM 42809H107 21 501 SH   SOLE 1 0 0 501
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 21 2,500 SH   SOLE 1 0 0 2,500
ADOBE SYSTEMS INCORPORATED COM 00724F101 113 230 SH   DFND 2 0 0 230
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 22 415 SH   SOLE 1 0 0 415
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 22 4,000 SH   SOLE 1 0 0 4,000
NEXTERA ENERGY INC COM 65339F101 23 82 SH   DFND 2 0 0 82
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 645 3,031 SH   SOLE 2 0 0 3,031
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 23 381 SH   SOLE 1 0 0 381
SUN LIFE FINANCIAL INC. COM 866796105 23 576 SH   SOLE 1 0 0 576
ISHARES TR S&P MC 400GR ETF 464287606 24 100 SH   SOLE 1 0 0 100
PPG INDS INC COM 693506107 24 200 SH   SOLE 1 0 0 200
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 24 290 SH   DFND 2 0 0 290
BOEING CO COM 097023105 193 1,165 SH   SOLE 1 0 0 1,165
VENTAS INC COM 92276F100 24 574 SH   SOLE 1 0 0 574
DEXCOM INC COM 252131107 25 60 SH   SOLE 1 0 0 60
FEDEX CORP COM 31428X106 25 100 SH   SOLE 1 0 0 100
ISHARES TR RUS 2000 VAL ETF 464287630 25 250 SH   SOLE 1 0 0 250
ORACLE CORP COM 68389X105 25 413 SH   DFND 2 0 0 413
RAYTHEON TECHNOLOGIES CORP COM 75513E101 25 429 SH   DFND 2 0 0 429
INTERNATIONAL PAPER CO COM 460146103 25 625 SH   SOLE 1 0 0 625
PROLOGIS INC. COM 74340W103 26 259 SH   SOLE 1 0 0 259
BRISTOL-MYERS SQUIBB CO COM 110122108 26 433 SH   DFND 2 0 0 433
UNIVERSAL HEALTH RLTY INCM T SH BEN INT 91359E105 26 462 SH   SOLE 1 0 0 462
IRON MTN INC NEW COM 46284V101 26 977 SH   SOLE 1 0 0 977
TARGET CORP COM 87612E106 27 169 SH   SOLE 1 0 0 169
PHILIP MORRIS INTL INC COM 718172109 27 354 SH   SOLE 1 0 0 354
EMERSON ELEC CO COM 291011104 27 419 SH   SOLE 1 0 0 419
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 27 520 SH   SOLE 1 0 0 520
SANOFI SPONSORED ADR 80105N105 27 530 SH   SOLE 1 0 0 530
AT&T INC COM 00206R102 27 961 SH   DFND 2 0 0 961
CARRIER GLOBAL CORPORATION COM 14448C104 39 1,289 SH   SOLE 1 0 0 1,289
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 28 354 SH   SOLE 1 0 0 354
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 28 2,256 SH   SOLE 1 0 0 2,256
FIDELITY NATL INFORMATION SV COM 31620M106 29 198 SH   DFND 2 0 0 198
CHEVRON CORP NEW COM 166764100 66 915 SH   SOLE 1 0 0 915
VANGUARD INDEX FDS SML CP GRW ETF 922908595 30 140 SH   SOLE 1 0 0 140
COCA COLA CO COM 191216100 37 753 SH   SOLE 1 0 0 753
WEC ENERGY GROUP INC COM 92939U106 30 307 SH   SOLE 1 0 0 307
KKR & CO INC COM 48251W104 30 869 SH   SOLE 1 0 0 869
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 30 1,373 SH   SOLE 1 0 0 1,373
FORD MTR CO DEL COM 345370860 30 4,554 SH   SOLE 1 0 0 4,554
DANAHER CORPORATION COM 235851102 31 143 SH   DFND 2 0 0 143
UNITED PARCEL SERVICE INC CL B 911312106 31 184 SH   SOLE 1 0 0 184
AMGEN INC COM 031162100 32 124 SH   DFND 2 0 0 124
UNION PAC CORP COM 907818108 32 164 SH   DFND 2 0 0 164
LOWES COS INC COM 548661107 32 195 SH   DFND 2 0 0 195
3M CO COM 88579Y101 32 197 SH   DFND 2 0 0 197
TRAVELERS COMPANIES INC COM 89417E109 32 300 SH   SOLE 1 0 0 300
COMCAST CORP NEW CL A 20030N101 49 1,050 SH   DFND 2 0 0 1,050
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 33 70 SH   SOLE 1 0 0 70
COMCAST CORP NEW CL A 20030N101 270 5,833 SH   SOLE 1 0 0 5,833
XCEL ENERGY INC COM 98389B100 34 496 SH   SOLE 1 0 0 496
MCDONALDS CORP COM 580135101 35 159 SH   DFND 2 0 0 159
NIKE INC CL B 654106103 35 279 SH   DFND 2 0 0 279
COCA COLA CO COM 191216100 35 705 SH   DFND 2 0 0 705
CISCO SYS INC COM 17275R102 35 901 SH   DFND 2 0 0 901
PFIZER INC COM 717081103 35 944 SH   DFND 2 0 0 944
ENBRIDGE INC COM 29250N105 35 1,215 SH   SOLE 1 0 0 1,215
HONEYWELL INTL INC COM 438516106 36 220 SH   DFND 2 0 0 220
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 37 133 SH   SOLE 1 0 0 133
STARBUCKS CORP COM 855244109 37 434 SH   DFND 2 0 0 434
EDWARDS LIFESCIENCES CORP COM 28176E108 24 301 SH   DFND 2 0 0 301
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 37 686 SH   SOLE 1 0 0 686
EXXON MOBIL CORP COM 30231G102 403 11,733 SH   SOLE 1 0 0 11,733
WP CAREY INC COM 92936U109 38 580 SH   SOLE 1 0 0 580
ISHARES TR CORE MSCI EAFE 46432F842 38 625 SH   SOLE 1 0 0 625
ABBOTT LABS COM 002824100 39 362 SH   DFND 2 0 0 362
FACEBOOK INC CL A 30303M102 230 878 SH   SOLE 1 0 0 878
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 40 497 SH   SOLE 1 0 0 497
OTIS WORLDWIDE CORP COM 68902V107 40 644 SH   SOLE 1 0 0 644
INTEL CORP COM 458140100 40 777 SH   DFND 2 0 0 777
GENERAL ELECTRIC CO COM 369604103 106 17,042 SH   SOLE 1 0 0 17,042
HOME DEPOT INC COM 437076102 1,301 4,684 SH   SOLE 1 0 0 4,684
VERIZON COMMUNICATIONS INC COM 92343V104 41 686 SH   DFND 2 0 0 686
QUALCOMM INC COM 747525103 42 356 SH   DFND 2 0 0 356
CARDIOVASCULAR SYS INC DEL COM 141619106 42 1,073 SH   SOLE 1 0 0 1,073
TESLA INC COM 88160R101 43 100 SH   DFND 2 0 0 100
COSTCO WHSL CORP NEW COM 22160K105 43 122 SH   DFND 2 0 0 122
MERCK & CO. INC COM 58933Y105 43 514 SH   DFND 2 0 0 514
ISHARES TR USD INV GRDE ETF 464288620 43 711 SH   SOLE 1 0 0 711
ISHARES SILVER TR ISHARES 46428Q109 43 2,000 SH   SOLE 1 0 0 2,000
NVIDIA CORPORATION COM 67066G104 44 82 SH   DFND 2 0 0 82
INVESCO QQQ TR UNIT SER 1 46090E103 44 157 SH   SOLE 1 0 0 157
ESSENTIAL UTILS INC COM 29670G102 44 1,089 SH   SOLE 1 0 0 1,089
SERVICENOW INC COM 81762P102 45 93 SH   DFND 2 0 0 93
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 45 389 SH   SOLE 1 0 0 389
PEPSICO INC COM 713448108 46 329 SH   DFND 2 0 0 329
SMITH A O CORP COM 831865209 46 872 SH   SOLE 1 0 0 872
ISHARES TR IBONDS DEC21 ETF 46434VBK5 46 1,821 SH   SOLE 1 0 0 1,821
SPDR SER TR NUVEEN BBG BRCLY 78464A284 48 841 SH   SOLE 1 0 0 841
PAYPAL HLDGS INC COM 70450Y103 49 249 SH   DFND 2 0 0 249
FORTUNE BRANDS HOME & SEC IN COM 34964C106 49 562 SH   SOLE 1 0 0 562
HORMEL FOODS CORP COM 440452100 99 2,030 SH   SOLE 1 0 0 2,030
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 50 981 SH   SOLE 1 0 0 981
TEXAS INSTRS INC COM 882508104 51 360 SH   DFND 2 0 0 360
NVIDIA CORPORATION COM 67066G104 52 96 SH   SOLE 1 0 0 96
ISHARES TR MSCI EAFE MIN VL 46429B689 37 541 SH   SOLE 1 0 0 541
WASTE MGMT INC DEL COM 94106L109 54 481 SH   SOLE 1 0 0 481
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 55 187 SH   DFND 2 0 0 187
UNITEDHEALTH GROUP INC COM 91324P102 56 180 SH   DFND 2 0 0 180
AUTOMATIC DATA PROCESSING IN COM 053015103 56 403 SH   SOLE 1 0 0 403
ISHARES TR IBONDS DEC22 ETF 46434VBA7 56 2,170 SH   SOLE 1 0 0 2,170
BK OF AMERICA CORP COM 060505104 56 2,319 SH   DFND 2 0 0 2,319
ALPHABET INC CAP STK CL C 02079K107 58 39 SH   SOLE 1 0 0 39
QUEST DIAGNOSTICS INC COM 74834L100 58 509 SH   SOLE 1 0 0 509
AES CORP COM 00130H105 60 3,294 SH   SOLE 1 0 0 3,294
NETFLIX INC COM 64110L106 61 122 SH   DFND 2 0 0 122
TELADOC HEALTH INC COM 87918A105 61 278 SH   SOLE 1 0 0 278
DUKE ENERGY CORP NEW COM NEW 26441C204 61 690 SH   SOLE 1 0 0 690
DISNEY WALT CO COM DISNEY 254687106 62 503 SH   DFND 2 0 0 503
GOLDMAN SACHS GROUP INC COM 38141G104 63 311 SH   SOLE 1 0 0 311
ISHARES TR CORE S&P SCP ETF 464287804 63 900 SH   SOLE 1 0 0 900
SELECT SECTOR SPDR TR ENERGY 81369Y506 63 2,110 SH   SOLE 1 0 0 2,110
CDW CORP COM 12514G108 64 532 SH   SOLE 1 0 0 532
CSX CORP COM 126408103 64 820 SH   SOLE 1 0 0 820
SALESFORCE COM INC COM 79466L302 65 258 SH   DFND 2 0 0 258
ISHARES TR CORE S&P MCP ETF 464287507 82 445 SH   SOLE 1 0 0 445
VANGUARD INDEX FDS VALUE ETF 922908744 67 637 SH   SOLE 1 0 0 637
SPROTT PHYSICAL GOLD TR UNIT 85207H104 68 4,500 SH   SOLE 1 0 0 4,500
ISHARES TR JPMORGAN USD EMG 464288281 106 957 SH   SOLE 1 0 0 957
VANGUARD INDEX FDS GROWTH ETF 922908736 71 314 SH   SOLE 1 0 0 314
CLOROX CO DEL COM 189054109 71 340 SH   SOLE 1 0 0 340
3M CO COM 88579Y101 71 442 SH   SOLE 1 0 0 442
JOHNSON & JOHNSON COM 478160104 72 484 SH   DFND 2 0 0 484
RITE AID CORP COM 767754872 72 7,545 SH   SOLE 1 0 0 7,545
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 73 342 SH   DFND 2 0 0 342
JPMORGAN CHASE & CO COM 46625H100 74 767 SH   DFND 2 0 0 767
MASTERCARD INCORPORATED CL A 57636Q104 76 225 SH   DFND 2 0 0 225
PROCTER AND GAMBLE CO COM 742718109 78 558 SH   DFND 2 0 0 558
ISHARES TR MBS ETF 464288588 78 706 SH   SOLE 1 0 0 706
ORACLE CORP COM 68389X105 81 1,350 SH   SOLE 1 0 0 1,350
ISHARES TR CORE S&P500 ETF 464287200 2,331 6,935 SH   SOLE 1 0 0 6,935
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 83 1,519 SH   SOLE 1 0 0 1,519
HOME DEPOT INC COM 437076102 84 302 SH   DFND 2 0 0 302
ISHARES TR MSCI USA VALUE 46432F388 84 1,144 SH   SOLE 1 0 0 1,144
DISNEY WALT CO COM DISNEY 254687106 86 692 SH   SOLE 1 0 0 692
LAKELAND BANCORP INC COM 511637100 87 8,776 SH   SOLE 1 0 0 8,776
ARES CAPITAL CORP COM 04010L103 88 6,334 SH   SOLE 1 0 0 6,334
MASTERCARD INCORPORATED CL A 57636Q104 90 267 SH   SOLE 1 0 0 267
CISCO SYS INC COM 17275R102 90 2,292 SH   SOLE 1 0 0 2,292
SHOPIFY INC CL A 82509L107 91 89 SH   SOLE 1 0 0 89
ALPHABET INC CAP STK CL C 02079K107 93 63 SH   DFND 2 0 0 63
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 94 891 SH   SOLE 1 0 0 891
AMGEN INC COM 031162100 97 380 SH   SOLE 1 0 0 380
RAYTHEON TECHNOLOGIES CORP COM 75513E101 97 1,678 SH   SOLE 1 0 0 1,678
ALPHABET INC CAP STK CL A 02079K305 98 67 SH   DFND 2 0 0 67
JPMORGAN CHASE & CO COM 46625H100 119 1,236 SH   SOLE 1 0 0 1,236
WALMART INC COM 931142103 103 733 SH   SOLE 1 0 0 733
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 105 903 SH   SOLE 1 0 0 903
SERVICE CORP INTL COM 817565104 105 2,483 SH   SOLE 1 0 0 2,483
KIMBERLY CLARK CORP COM 494368103 28 187 SH   SOLE 1 0 0 187
VERTEX INC CL A 92538J106 106 4,603 SH   SOLE 1 0 0 4,603
LILLY ELI & CO COM 532457108 30 203 SH   DFND 2 0 0 203
LINDE PLC SHS G5494J103 23 98 SH   DFND 2 0 0 98
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 109 535 SH   SOLE 1 0 0 535
NATIONAL GRID PLC SPONSORED ADR NE 636274409 22 373 SH   SOLE 1 0 0 373
PNC FINL SVCS GROUP INC COM 693475105 20 182 SH   SOLE 1 0 0 182
VERIZON COMMUNICATIONS INC COM 92343V104 118 1,986 SH   SOLE 1 0 0 1,986
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 167 2,442 SH   SOLE 1 0 0 2,442
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 31,372 609,157 SH   SOLE 1 0 0 609,157
SIMON PPTY GROUP INC NEW COM 828806109 32 500 SH   SOLE 1 0 0 500
VANGUARD WORLD FD MEGA GRWTH IND 921910816 121 650 SH   SOLE 1 0 0 650
INTEL CORP COM 458140100 122 2,361 SH   SOLE 1 0 0 2,361
INTERNATIONAL BUSINESS MACHS COM 459200101 131 1,074 SH   SOLE 1 0 0 1,074
FACEBOOK INC CL A 30303M102 138 526 SH   DFND 2 0 0 526
ISHARES TR RUSSELL 3000 ETF 464287689 150 765 SH   SOLE 1 0 0 765
NEW JERSEY RES COM 646025106 151 5,592 SH   SOLE 1 0 0 5,592
FULTON FINL CORP PA COM 360271100 162 17,325 SH   SOLE 1 0 0 17,325
SEATTLE GENETICS INC COM 812578102 166 850 SH   SOLE 2 0 0 850
SPDR S&P 500 ETF TR TR UNIT 78462F103 307 917 SH   SOLE 1 0 0 917
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 172 1,335 SH   SOLE 1 0 0 1,335
ISHARES TR RUS 1000 ETF 464287622 178 950 SH   SOLE 1 0 0 950
ALTRIA GROUP INC COM 02209S103 183 4,741 SH   SOLE 1 0 0 4,741
ISHARES TR US TREAS BD ETF 46429B267 184 6,578 SH   SOLE 1 0 0 6,578
DBX ETF TR XTRACK USD HIGH 233051432 189 3,919 SH   SOLE 1 0 0 3,919
SQUARE INC CL A 852234103 41 250 SH   SOLE 1 0 0 250
VANGUARD STAR FDS VG TL INTL STK F 921909768 202 3,864 SH   SOLE 1 0 0 3,864
JOHNSON & JOHNSON COM 478160104 204 1,367 SH   SOLE 1 0 0 1,367
ALPHABET INC CAP STK CL A 02079K305 205 140 SH   SOLE 1 0 0 140
STARBUCKS CORP COM 855244109 212 2,469 SH   SOLE 1 0 0 2,469
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 215 730 SH   SOLE 1 0 0 730
LOWES COS INC COM 548661107 220 1,328 SH   SOLE 1 0 0 1,328
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 220 4,015 SH   SOLE 1 0 0 4,015
PFIZER INC COM 717081103 221 6,008 SH   SOLE 1 0 0 6,008
NEXTERA ENERGY INC COM 65339F101 225 812 SH   SOLE 1 0 0 812
TEXAS INSTRS INC COM 882508104 881 6,168 SH   SOLE 1 0 0 6,168
VANGUARD BD INDEX FDS INTERMED TERM 921937819 247 2,646 SH   SOLE 1 0 0 2,646
PEPSICO INC COM 713448108 253 1,825 SH   SOLE 1 0 0 1,825
SPDR GOLD TR GOLD SHS 78463V107 256 1,446 SH   SOLE 1 0 0 1,446
MCDONALDS CORP COM 580135101 266 1,214 SH   SOLE 1 0 0 1,214
TESLA INC COM 88160R101 268 625 SH   SOLE 1 0 0 625
THERMO FISHER SCIENTIFIC INC COM 883556102 52 118 SH   DFND 2 0 0 118
THERMO FISHER SCIENTIFIC INC COM 883556102 70 158 SH   SOLE 1 0 0 158
VANGUARD INDEX FDS MID CAP ETF 922908629 287 1,629 SH   SOLE 1 0 0 1,629
AMAZON COM INC COM 023135106 296 94 SH   DFND 2 0 0 94
AT&T INC COM 00206R102 296 10,392 SH   SOLE 1 0 0 10,392
TRUIST FINL CORP COM 89832Q109 33 856 SH   SOLE 1 0 0 856
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 313 3,549 SH   SOLE 1 0 0 3,549
MICROSOFT CORP COM 594918104 336 1,597 SH   DFND 2 0 0 1,597
COLGATE PALMOLIVE CO COM 194162103 341 4,420 SH   SOLE 1 0 0 4,420
AMAZON COM INC COM 023135106 362 115 SH   SOLE 1 0 0 115
PROCTER AND GAMBLE CO COM 742718109 373 2,686 SH   SOLE 1 0 0 2,686
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 107 3,469 SH   SOLE 1 0 0 3,469
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 427 10,452 SH   SOLE 1 0 0 10,452
APPLE INC COM 037833100 437 3,775 SH   DFND 2 0 0 3,775
MICROSOFT CORP COM 594918104 506 2,405 SH   SOLE 1 0 0 2,405
S&P GLOBAL INC COM 78409V104 577 1,600 SH   SOLE 1 0 0 1,600
COMMUNITY BK SYS INC COM 203607106 603 11,069 SH   SOLE 1 0 0 11,069
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 609 10,862 SH   SOLE 1 0 0 10,862
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 276 3,327 SH   SOLE 1 0 0 3,327
VANGUARD INDEX FDS SMALL CP ETF 922908751 698 4,538 SH   SOLE 1 0 0 4,538
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 706 2,295 SH   SOLE 1 0 0 2,295
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 734 13,274 SH   SOLE 1 0 0 13,274
ABBOTT LABS COM 002824100 800 7,349 SH   SOLE 1 0 0 7,349
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 120 2,766 SH   SOLE 1 0 0 2,766
WELLS FARGO CO NEW COM 949746101 956 40,651 SH   SOLE 1 0 0 40,651
MERIDIAN CORPORATION COM 58958P104 961 59,608 SH   SOLE 1 0 0 59,608
ISHARES TR CORE S&P TTL STK 464287150 1,040 13,776 SH   SOLE 1 0 0 13,776
LOCKHEED MARTIN CORP COM 539830109 1,174 3,064 SH   SOLE 1 0 0 3,064
VANGUARD WORLD FDS INF TECH ETF 92204A702 121 390 SH   SOLE 1 0 0 390
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,649 32,690 SH   SOLE 1 0 0 32,690
ISHARES TR SHRT NAT MUN ETF 464288158 1,808 16,723 SH   SOLE 1 0 0 16,723
APPLE INC COM 037833100 2,167 18,708 SH   SOLE 1 0 0 18,708
VISA INC COM CL A 92826C839 117 585 SH   DFND 2 0 0 585
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,073 18,041 SH   SOLE 1 0 0 18,041
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,137 128,632 SH   SOLE 1 0 0 128,632
ISHARES TR CORE MSCI TOTAL 46432F834 7,531 129,084 SH   SOLE 1 0 0 129,084
ISHARES TR MSCI USA MIN VOL 46429B697 9,250 145,143 SH   SOLE 1 0 0 145,143
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,668 121,393 SH   SOLE 1 0 0 121,393
ISHARES TR RUSSELL 2000 ETF 464287655 11,955 79,812 SH   SOLE 1 0 0 79,812
ISHARES TR MSCI USA QLT FCT 46432F339 14,383 138,643 SH   SOLE 1 0 0 138,643
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 20,871 258,849 SH   SOLE 1 0 0 258,849
ISHARES TR CORE US AGGBD ET 464287226 21,244 179,945 SH   SOLE 1 0 0 179,945
ISHARES TR NATIONAL MUN ETF 464288414 22,308 192,423 SH   SOLE 1 0 0 192,423
WALMART INC COM 931142103 41 294 SH   DFND 2 0 0 294