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 51 431 SH   DFND 3 0 0 431
ABBOTT LABS COM 002824100 821 6,952 SH   SOLE 2 0 0 6,952
AMAZON COM INC COM 023135106 348 106 SH   DFND 3 0 0 106
AMAZON COM INC COM 023135106 480 146 SH   SOLE 2 0 0 146
APPLE INC COM 037833100 613 4,329 SH   DFND 3 0 0 4,329
APPLE INC COM 037833100 3,110 21,979 SH   SOLE 2 0 0 21,979
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 114 415 SH   DFND 3 0 0 415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 831 3,043 SH   SOLE 2 0 0 3,043
BOEING CO COM 097023105 25 113 SH   DFND 3 0 0 113
BOEING CO COM 097023105 251 1,140 SH   SOLE 2 0 0 1,140
COLGATE PALMOLIVE CO COM 194162103 15 205 SH   DFND 3 0 0 205
COLGATE PALMOLIVE CO COM 194162103 293 3,882 SH   SOLE 2 0 0 3,882
COMMUNITY BK SYS INC COM 203607106 745 10,883 SH   SOLE 2 0 0 10,883
DISNEY WALT CO COM 254687106 96 566 SH   DFND 3 0 0 566
DISNEY WALT CO COM 254687106 129 763 SH   SOLE 2 0 0 763
FULTON FINL CORP PA COM 360271100 0 14 SH   DFND 3 0 0 14
FULTON FINL CORP PA COM 360271100 265 17,325 SH   SOLE 2 0 0 17,325
GENERAL ELECTRIC CO COM NEW 369604301 22 209 SH   DFND 3 0 0 209
GENERAL ELECTRIC CO COM NEW 369604301 216 2,097 SH   SOLE 2 0 0 2,097
HOME DEPOT INC COM 437076102 110 335 SH   DFND 3 0 0 335
HOME DEPOT INC COM 437076102 1,492 4,547 SH   SOLE 2 0 0 4,547
ISHARES TR CORE S&P TTL STK 464287150 1,355 13,776 SH   SOLE 2 0 0 13,776
ISHARES TR TIPS BD ETF 464287176 7,452 58,361 SH   SOLE 2 0 0 58,361
ISHARES TR CORE S&P500 ETF 464287200 3,666 8,509 SH   SOLE 2 0 0 8,509
ISHARES TR CORE US AGGBD ET 464287226 42,892 373,526 SH   SOLE 2 0 0 373,526
ISHARES TR RUS 1000 ETF 464287622 230 950 SH   SOLE 2 0 0 950
ISHARES TR RUSSELL 2000 ETF 464287655 7,286 33,306 SH   SOLE 2 0 0 33,306
ISHARES TR SHRT NAT MUN ETF 464288158 16,457 152,987 SH   SOLE 2 0 0 152,987
ISHARES TR NATIONAL MUN ETF 464288414 32,658 281,120 SH   SOLE 2 0 0 281,120
ISHARES TR ISHS 1-5YR INVS 464288646 5,820 106,521 SH   SOLE 2 0 0 106,521
ISHARES TR EAFE GRWTH ETF 464288885 8,448 79,345 SH   SOLE 2 0 0 79,345
JOHNSON & JOHNSON COM 478160104 95 588 SH   DFND 3 0 0 588
JOHNSON & JOHNSON COM 478160104 173 1,068 SH   SOLE 2 0 0 1,068
LOWES COS INC COM 548661107 46 226 SH   DFND 3 0 0 226
LOWES COS INC COM 548661107 274 1,352 SH   SOLE 2 0 0 1,352
MCDONALDS CORP COM 580135101 46 191 SH   DFND 3 0 0 191
MCDONALDS CORP COM 580135101 302 1,250 SH   SOLE 2 0 0 1,250
MICROSOFT CORP COM 594918104 546 1,937 SH   DFND 3 0 0 1,937
MICROSOFT CORP COM 594918104 497 1,762 SH   SOLE 2 0 0 1,762
PEPSICO INC COM 713448108 61 404 SH   DFND 3 0 0 404
PEPSICO INC COM 713448108 237 1,574 SH   SOLE 2 0 0 1,574
PFIZER INC COM 717081103 50 1,169 SH   DFND 3 0 0 1,169
PFIZER INC COM 717081103 252 5,848 SH   SOLE 2 0 0 5,848
PROCTER AND GAMBLE CO COM 742718109 86 618 SH   DFND 3 0 0 618
PROCTER AND GAMBLE CO COM 742718109 316 2,260 SH   SOLE 2 0 0 2,260
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,011 134,903 SH   SOLE 2 0 0 134,903
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,091 231,573 SH   SOLE 2 0 0 231,573
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,086 118,517 SH   SOLE 2 0 0 118,517
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 219 2,188 SH   SOLE 2 0 0 2,188
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,540 20,743 SH   SOLE 2 0 0 20,743
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,106 20,386 SH   SOLE 2 0 0 20,386
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,490 283,069 SH   SOLE 2 0 0 283,069
STARBUCKS CORP COM 855244109 54 485 SH   DFND 3 0 0 485
STARBUCKS CORP COM 855244109 247 2,241 SH   SOLE 2 0 0 2,241
TEXAS INSTRS INC COM 882508104 78 404 SH   DFND 3 0 0 404
TEXAS INSTRS INC COM 882508104 1,187 6,175 SH   SOLE 2 0 0 6,175
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 305 1,986 SH   SOLE 2 0 0 1,986
VANGUARD STAR FDS VG TL INTL STK F 921909768 281 4,447 SH   SOLE 2 0 0 4,447
VANGUARD BD INDEX FDS INTERMED TERM 921937819 279 3,116 SH   SOLE 2 0 0 3,116
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 298 3,636 SH   SOLE 2 0 0 3,636
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 381 4,459 SH   SOLE 2 0 0 4,459
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 524 10,383 SH   SOLE 2 0 0 10,383
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,379 39,032 SH   SOLE 2 0 0 39,032
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,087 19,848 SH   SOLE 2 0 0 19,848
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 960 2,434 SH   SOLE 2 0 0 2,434
VANGUARD INDEX FDS MID CAP ETF 922908629 374 1,578 SH   SOLE 2 0 0 1,578
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,109 5,071 SH   SOLE 2 0 0 5,071
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,881 17,478 SH   SOLE 2 0 0 17,478
WELLS FARGO CO NEW COM 949746101 20 424 SH   DFND 3 0 0 424
WELLS FARGO CO NEW COM 949746101 1,890 40,722 SH   SOLE 2 0 0 40,722
INVESCO QQQ TR UNIT SER 1 46090E103 256 715 SH   SOLE 2 0 0 715
AT&T INC COM 00206R102 28 1,045 SH   DFND 3 0 0 1,045
AT&T INC COM 00206R102 242 8,977 SH   SOLE 2 0 0 8,977
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 26 175 SH   DFND 3 0 0 175
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 185 1,247 SH   SOLE 2 0 0 1,247
ALPHABET INC CAP STK CL C 02079K107 197 74 SH   DFND 3 0 0 74
ALPHABET INC CAP STK CL C 02079K107 125 47 SH   SOLE 2 0 0 47
ALPHABET INC CAP STK CL A 02079K305 217 81 SH   DFND 3 0 0 81
ALPHABET INC CAP STK CL A 02079K305 612 229 SH   SOLE 2 0 0 229
COMCAST CORP NEW CL A 20030N101 68 1,217 SH   DFND 3 0 0 1,217
COMCAST CORP NEW CL A 20030N101 330 5,906 SH   SOLE 2 0 0 5,906
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106 85 11,728 SH   SOLE 2 0 0 11,728
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 74,144 2,459,995 SH   SOLE 2 0 0 2,459,995
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 212 4,496 SH   SOLE 2 0 0 4,496
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 88,051 3,313,928 SH   SOLE 2 0 0 3,313,928
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 29,994 1,158,977 SH   SOLE 2 0 0 1,158,977
DIREXION SHS ETF TR DLY GOLD INDX 2X 25460G781 4,906 115,000 SH   SOLE 2 0 0 115,000
EXXON MOBIL CORP COM 30231G102 28 478 SH   DFND 3 0 0 478
EXXON MOBIL CORP COM 30231G102 651 11,068 SH   SOLE 2 0 0 11,068
FACEBOOK INC CL A 30303M102 212 626 SH   DFND 3 0 0 626
FACEBOOK INC CL A 30303M102 718 2,115 SH   SOLE 2 0 0 2,115
ISHARES TR MSCI USA QLT FCT 46432F339 16,509 125,323 SH   SOLE 2 0 0 125,323
ISHARES TR MSCI USA VALUE 46432F388 8,917 88,552 SH   SOLE 2 0 0 88,552
ISHARES TR CORE MSCI TOTAL 46432F834 11,398 160,538 SH   SOLE 2 0 0 160,538
ISHARES INC ESG AWR MSCI EM 46434G863 227 5,474 SH   SOLE 2 0 0 5,474
JPMORGAN CHASE & CO COM 46625H100 148 907 SH   DFND 3 0 0 907
JPMORGAN CHASE & CO COM 46625H100 213 1,300 SH   SOLE 2 0 0 1,300
MERIDIAN CORPORATION COM 58958P104 2,019 70,411 SH   SOLE 2 0 0 70,411
NVIDIA CORPORATION COM 67066G104 96 461 SH   DFND 3 0 0 461
NVIDIA CORPORATION COM 67066G104 179 864 SH   SOLE 2 0 0 864
S&P GLOBAL INC COM 78409V104 14 33 SH   DFND 3 0 0 33
S&P GLOBAL INC COM 78409V104 681 1,603 SH   SOLE 2 0 0 1,603
SPDR S&P 500 ETF TR TR UNIT 78462F103 424 987 SH   SOLE 2 0 0 987
SPDR GOLD TR GOLD SHS 78463V107 310 1,886 SH   SOLE 2 0 0 1,886
SUNDIAL GROWERS INC COM 86730L109 9 14,000 SH   SOLE 2 0 0 14,000
TESLA INC COM 88160R101 127 164 SH   DFND 3 0 0 164
TESLA INC COM 88160R101 496 639 SH   SOLE 2 0 0 639