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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   74,547 679 SH   DFND 1 0 679 0
ABBOTT LABS COM 002824100   246,039 2,241 SH   SOLE   0 0 2,241
ABBVIE INC COM 00287Y109   147,712 914 SH   DFND 1 0 914 0
ABBVIE INC COM 00287Y109   572,261 3,541 SH   SOLE   0 0 3,541
ALPHABET INC CAP STK CL C 02079K107   200,441 2,259 SH   DFND 1 0 2,259 0
ALPHABET INC CAP STK CL A 02079K305   209,723 2,377 SH   DFND 1 0 2,377 0
ALPHABET INC CAP STK CL C 02079K107   125,031 1,409 SH   SOLE   0 0 1,409
ALPHABET INC CAP STK CL A 02079K305   483,687 5,482 SH   SOLE   0 0 5,482
AMAZON COM INC COM 023135106   257,964 3,071 SH   DFND 1 0 3,071 0
AMAZON COM INC COM 023135106   380,490 4,530 SH   SOLE   0 0 4,530
APPLE INC COM 037833100   910,160 7,005 SH   DFND 1 0 7,005 0
APPLE INC COM 037833100   3,002,407 23,108 SH   SOLE   0 0 23,108
BANK AMERICA CORP COM 060505104   111,184 3,357 SH   DFND 1 0 3,357 0
BANK AMERICA CORP COM 060505104   99,328 2,999 SH   SOLE   0 0 2,999
BOEING CO COM 097023105   37,336 196 SH   DFND 1 0 196 0
BOEING CO COM 097023105   210,301 1,104 SH   SOLE   0 0 1,104
CHEVRON CORP NEW COM 166764100   143,951 802 SH   DFND 1 0 802 0
CHEVRON CORP NEW COM 166764100   182,984 1,019 SH   SOLE   0 0 1,019
COMCAST CORP NEW CL A 20030N101   57,421 1,642 SH   DFND 1 0 1,642 0
COMCAST CORP NEW CL A 20030N101   220,200 6,297 SH   SOLE   0 0 6,297
COMMUNITY BK SYS INC COM 203607106   252 4 SH   DFND 1 0 4 0
COMMUNITY BK SYS INC COM 203607106   685,096 10,883 SH   SOLE   0 0 10,883
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   48,645,740 1,800,360 SH   SOLE   0 0 1,800,360
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   79,490,220 3,273,897 SH   SOLE   0 0 3,273,897
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   24,307,980 1,125,369 SH   SOLE   0 0 1,125,369
DUKE ENERGY CORP NEW COM NEW 26441C204   30,794 299 SH   DFND 1 0 299 0
DUKE ENERGY CORP NEW COM NEW 26441C204   292,183 2,837 SH   SOLE   0 0 2,837
ESSENTIAL UTILS INC COM 29670G102   4,964 104 SH   DFND 1 0 104 0
ESSENTIAL UTILS INC COM 29670G102   277,216 5,808 SH   SOLE   0 0 5,808
EXXON MOBIL CORP COM 30231G102   187,620 1,701 SH   DFND 1 0 1,701 0
EXXON MOBIL CORP COM 30231G102   1,312,715 11,901 SH   SOLE   0 0 11,901
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   281,769 14,274 SH   SOLE   0 0 14,274
FULTON FINL CORP PA COM 360271100   236 14 SH   DFND 1 0 14 0
FULTON FINL CORP PA COM 360271100   291,580 17,325 SH   SOLE   0 0 17,325
HOME DEPOT INC COM 437076102   176,566 559 SH   DFND 1 0 559 0
HOME DEPOT INC COM 437076102   1,712,629 5,422 SH   SOLE   0 0 5,422
INVESCO QQQ TR UNIT SER 1 46090E103   241,559 907 SH   SOLE   0 0 907
ISHARES INC ESG AWR MSCI EM 46434G863   256,136 8,518 SH   SOLE   0 0 8,518
ISHARES TR CORE S&P TTL STK 464287150   1,124,618 13,262 SH   SOLE   0 0 13,262
ISHARES TR TIPS BD ETF 464287176   3,546,816 33,322 SH   SOLE   0 0 33,322
ISHARES TR CORE S&P500 ETF 464287200   3,517,311 9,155 SH   SOLE   0 0 9,155
ISHARES TR CORE US AGGBD ET 464287226   40,044,589 412,873 SH   SOLE   0 0 412,873
ISHARES TR RUS 1000 ETF 464287622   236,877 1,125 SH   SOLE   0 0 1,125
ISHARES TR RUSSELL 2000 ETF 464287655   7,048,754 40,426 SH   SOLE   0 0 40,426
ISHARES TR SHRT NAT MUN ETF 464288158   16,672,234 159,895 SH   SOLE   0 0 159,895
ISHARES TR NATIONAL MUN ETF 464288414   31,088,936 294,626 SH   SOLE   0 0 294,626
ISHARES TR ISHS 1-5YR INVS 464288646   514,801 10,333 SH   SOLE   0 0 10,333
ISHARES TR US TREAS BD ETF 46429B267   8,681,779 382,121 SH   SOLE   0 0 382,121
ISHARES TR MSCI USA QLT FCT 46432F339   14,902,470 130,769 SH   SOLE   0 0 130,769
ISHARES TR MSCI USA VALUE 46432F388   11,055,334 121,301 SH   SOLE   0 0 121,301
ISHARES TR CORE MSCI TOTAL 46432F834   11,949,903 206,460 SH   SOLE   0 0 206,460
ISHARES TR CORE TOTAL USD 46434V613   314,510 7,000 SH   SOLE   0 0 7,000
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   2,031,567 72,067 SH   SOLE   0 0 72,067
JOHNSON & JOHNSON COM 478160104   199,261 1,128 SH   DFND 1 0 1,128 0
JOHNSON & JOHNSON COM 478160104   235,550 1,333 SH   SOLE   0 0 1,333
JPMORGAN CHASE & CO COM 46625H100   192,434 1,435 SH   DFND 1 0 1,435 0
JPMORGAN CHASE & CO COM 46625H100   221,766 1,654 SH   SOLE   0 0 1,654
KEYCORP COM 493267108   12,002 689 SH   DFND 1 0 689 0
KEYCORP COM 493267108   781,078 44,838 SH   SOLE   0 0 44,838
LOWES COS INC COM 548661107   59,174 297 SH   DFND 1 0 297 0
LOWES COS INC COM 548661107   276,676 1,389 SH   SOLE   0 0 1,389
MCDONALDS CORP COM 580135101   93,553 355 SH   DFND 1 0 355 0
MCDONALDS CORP COM 580135101   334,019 1,267 SH   SOLE   0 0 1,267
MERIDIAN CORPORATION COM 58958P104   2,570,394 84,859 SH   SOLE   0 0 84,859
META PLATFORMS INC CL A 30303M102   97,836 813 SH   DFND 1 0 813 0
META PLATFORMS INC CL A 30303M102   264,387 2,197 SH   SOLE   0 0 2,197
MICROSOFT CORP COM 594918104   735,288 3,066 SH   DFND 1 0 3,066 0
MICROSOFT CORP COM 594918104   548,977 2,289 SH   SOLE   0 0 2,289
NEW JERSEY RES CORP COM 646025106   1,389 28 SH   DFND 1 0 28 0
NEW JERSEY RES CORP COM 646025106   285,315 5,750 SH   SOLE   0 0 5,750
NEXTERA ENERGY INC COM 65339F101   69,472 831 SH   DFND 1 0 831 0
NEXTERA ENERGY INC COM 65339F101   160,029 1,914 SH   SOLE   0 0 1,914
ORACLE CORP COM 68389X105   63,430 776 SH   DFND 1 0 776 0
ORACLE CORP COM 68389X105   143,958 1,761 SH   SOLE   0 0 1,761
PEPSICO INC COM 713448108   126,643 701 SH   DFND 1 0 701 0
PEPSICO INC COM 713448108   286,707 1,587 SH   SOLE   0 0 1,587
PFIZER INC COM 717081103   124,923 2,438 SH   DFND 1 0 2,438 0
PFIZER INC COM 717081103   391,317 7,637 SH   SOLE   0 0 7,637
PNC FINL SVCS GROUP INC COM 693475105   37,116 235 SH   DFND 1 0 235 0
PNC FINL SVCS GROUP INC COM 693475105   184,474 1,168 SH   SOLE   0 0 1,168
PROCTER AND GAMBLE CO COM 742718109   158,683 1,047 SH   DFND 1 0 1,047 0
PROCTER AND GAMBLE CO COM 742718109   509,393 3,361 SH   SOLE   0 0 3,361
PROLOGIS INC. COM 74340W103   49,150 436 SH   DFND 1 0 436 0
PROLOGIS INC. COM 74340W103   396,133 3,514 SH   SOLE   0 0 3,514
PROSHARES TR SHORT S&P 500 NE 74347B425   354,391 22,108 SH   SOLE   0 0 22,108
RAYTHEON TECHNOLOGIES CORP COM 75513E101   75,488 748 SH   DFND 1 0 748 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   192,757 1,910 SH   SOLE   0 0 1,910
S & T BANCORP INC COM 783859101   2,700 79 SH   DFND 1 0 79 0
S & T BANCORP INC COM 783859101   487,133 14,252 SH   SOLE   0 0 14,252
S&P GLOBAL INC COM 78409V104   18,757 56 SH   DFND 1 0 56 0
S&P GLOBAL INC COM 78409V104   546,287 1,631 SH   SOLE   0 0 1,631
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   13,718,966 306,159 SH   SOLE   0 0 306,159
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   48,615,182 1,076,748 SH   SOLE   0 0 1,076,748
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,730,424 102,582 SH   SOLE   0 0 102,582
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   416,625 10,284 SH   SOLE   0 0 10,284
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,564,651 20,713 SH   SOLE   0 0 20,713
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   988,322 21,650 SH   SOLE   0 0 21,650
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   14,342,862 297,323 SH   SOLE   0 0 297,323
SOUTH JERSEY INDS INC COM 838518108   226,504 6,375 SH   SOLE   0 0 6,375
SPDR GOLD TR GOLD SHS 78463V107   312,816 1,844 SH   SOLE   0 0 1,844
SPDR S&P 500 ETF TR TR UNIT 78462F103   362,255 947 SH   SOLE   0 0 947
STARBUCKS CORP COM 855244109   68,349 689 SH   DFND 1 0 689 0
STARBUCKS CORP COM 855244109   152,867 1,541 SH   SOLE   0 0 1,541
TESLA INC COM 88160R101   83,023 674 SH   DFND 1 0 674 0
TESLA INC COM 88160R101   212,855 1,728 SH   SOLE   0 0 1,728
TEXAS INSTRS INC COM 882508104   93,845 568 SH   DFND 1 0 568 0
TEXAS INSTRS INC COM 882508104   984,876 5,961 SH   SOLE   0 0 5,961
THERMO FISHER SCIENTIFIC INC COM 883556102   110,689 201 SH   DFND 1 0 201 0
THERMO FISHER SCIENTIFIC INC COM 883556102   135,470 246 SH   SOLE   0 0 246
UNITEDHEALTH GROUP INC COM 91324P102   197,227 372 SH   DFND 1 0 372 0
UNITEDHEALTH GROUP INC COM 91324P102   49,837 94 SH   SOLE   0 0 94
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   217,710 2,892 SH   SOLE   0 0 2,892
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   242,460 3,375 SH   SOLE   0 0 3,375
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   908,214 2,585 SH   SOLE   0 0 2,585
VANGUARD INDEX FDS MID CAP ETF 922908629   335,675 1,647 SH   SOLE   0 0 1,647
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,039,650 5,664 SH   SOLE   0 0 5,664
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,256,000 17,030 SH   SOLE   0 0 17,030
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,215,001 44,176 SH   SOLE   0 0 44,176
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,351,918 27,317 SH   SOLE   0 0 27,317
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   517,181 3,406 SH   SOLE   0 0 3,406
VANGUARD STAR FDS VG TL INTL STK F 921909768   290,563 5,618 SH   SOLE   0 0 5,618
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   469,980 11,198 SH   SOLE   0 0 11,198
VISA INC COM CL A 92826C839   183,452 883 SH   DFND 1 0 883 0
VISA INC COM CL A 92826C839   41,552 200 SH   SOLE   0 0 200
WALMART INC COM 931142103   103,507 730 SH   DFND 1 0 730 0
WALMART INC COM 931142103   131,842 930 SH   SOLE   0 0 930
WELLS FARGO CO NEW COM 949746101   54,172 1,312 SH   DFND 1 0 1,312 0
WELLS FARGO CO NEW COM 949746101   1,660,808 40,223 SH   SOLE   0 0 40,223