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   274,518 2,834 SH   DFND 1 0 665 2,169
ABBVIE INC COM 00287Y109   690,536 4,633 SH   DFND 1 0 1,168 3,465
ADOBE INC COM 00724F101   228,362 448 SH   DFND 1 0 333 115
ADVANCED MICRO DEVICES INC COM 007903107   306,901 2,985 SH   DFND 1 0 732 2,253
ALPHABET INC CAP STK CL C 02079K107   486,568 3,690 SH   DFND 1 0 2,672 1,018
ALPHABET INC CAP STK CL A 02079K305   1,085,450 8,295 SH   DFND 1 0 3,112 5,183
ALTRIA GROUP INC COM 02209S103   202,840 4,824 SH   DFND 1 0 1,426 3,398
AMAZON COM INC COM 023135106   1,078,404 8,483 SH   DFND 1 0 4,279 4,204
APPLE INC COM 037833100   5,491,568 32,075 SH   DFND 1,2 0 10,025 22,050
AUTOMATIC DATA PROCESSING IN COM 053015103   211,463 879 SH   DFND 1 0 372 507
BOEING CO COM 097023105   254,848 1,330 SH   DFND 1 0 259 1,071
BROADCOM INC COM 11135F101   213,908 258 SH   DFND 1 0 216 42
CHEVRON CORP NEW COM 166764100   355,036 2,106 SH   DFND 1 0 1,060 1,046
CISCO SYS INC COM 17275R102   232,512 4,325 SH   DFND 1 0 2,248 2,077
COMCAST CORP NEW CL A 20030N101   387,676 8,743 SH   DFND 1 0 2,522 6,221
COMMUNITY BK SYS INC COM 203607106   460,225 10,903 SH   DFND 1 0 20 10,883
COSTCO WHSL CORP NEW COM 22160K105   221,745 392 SH   DFND 1 0 291 101
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   56,880,847 1,899,194 SH   SOLE   0 0 1,899,194
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   209,289 4,496 SH   SOLE   0 0 4,496
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   81,339,498 3,104,561 SH   SOLE   0 0 3,104,561
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   24,291,763 1,078,675 SH   SOLE   0 0 1,078,675
DISNEY WALT CO COM 254687106   214,284 2,644 SH   DFND 1 0 712 1,932
DUKE ENERGY CORP NEW COM NEW 26441C204   286,228 3,243 SH   DFND 1 0 509 2,734
EXXON MOBIL CORP COM 30231G102   1,615,795 13,742 SH   DFND 1 0 2,444 11,298
META PLATFORMS INC CL A 30303M102   892,636 2,973 SH   DFND 1 0 1,064 1,909
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   276,702 14,274 SH   SOLE   0 0 14,274
FORD MTR CO DEL COM 345370860   129,746 10,446 SH   DFND 1 0 2,216 8,230
FULTON FINL CORP PA COM 360271100   224,993 18,579 SH   DFND 1 0 175 18,404
GENERAL ELECTRIC CO COM NEW 369604301   212,106 1,919 SH   DFND 1 0 512 1,407
HOME DEPOT INC COM 437076102   1,852,673 6,131 SH   DFND 1 0 661 5,470
ISHARES TR CORE S&P TTL STK 464287150   1,186,229 12,594 SH   SOLE   0 0 12,594
ISHARES TR CORE S&P500 ETF 464287200   4,111,705 9,575 SH   SOLE   0 0 9,575
ISHARES TR CORE US AGGBD ET 464287226   46,532,008 494,811 SH   SOLE   0 0 494,811
ISHARES TR RUS 1000 ETF 464287622   261,033 1,111 SH   SOLE   0 0 1,111
ISHARES TR RUSSELL 2000 ETF 464287655   8,083,790 45,738 SH   SOLE   0 0 45,738
ISHARES TR SHRT NAT MUN ETF 464288158   15,097,138 146,774 SH   SOLE   0 0 146,774
ISHARES TR NATIONAL MUN ETF 464288414   28,943,351 282,264 SH   SOLE   0 0 282,264
ISHARES TR MBS ETF 464288588   14,723,497 165,805 SH   SOLE   0 0 165,805
ISHARES TR MSCI USA QLT FCT 46432F339   15,456,775 117,283 SH   SOLE   0 0 117,283
ISHARES TR MSCI USA VALUE 46432F388   12,358,871 136,231 SH   SOLE   0 0 136,231
ISHARES TR CORE MSCI TOTAL 46432F834   13,877,965 231,338 SH   SOLE   0 0 231,338
ISHARES INC CORE MSCI EMKT 46434G103   6,216,021 130,616 SH   SOLE   0 0 130,616
ISHARES INC ESG AWR MSCI EM 46434G863   440,938 14,562 SH   SOLE   0 0 14,562
ISHARES TR CORE TOTAL USD 46434V613   362,835 8,300 SH   SOLE   0 0 8,300
JPMORGAN CHASE & CO COM 46625H100   525,489 3,624 SH   DFND 1 0 1,840 1,784
JOHNSON & JOHNSON COM 478160104   417,578 2,681 SH   DFND 1 0 1,345 1,336
ELI LILLY & CO COM 532457108   309,106 575 SH   DFND 1 0 461 114
LOWES COS INC COM 548661107   379,402 1,825 SH   DFND 1 0 409 1,416
MASTERCARD INCORPORATED CL A 57636Q104   304,276 769 SH   DFND 1 0 504 265
MCDONALDS CORP COM 580135101   465,347 1,766 SH   DFND 1 0 518 1,248
MERCK & CO INC COM 58933Y105   290,906 2,826 SH   DFND 1 0 1,841 985
MERIDIAN CORPORATION COM 58958P104   1,874,460 191,369 SH   SOLE   0 0 191,369
MICROSOFT CORP COM 594918104   2,227,831 7,056 SH   DFND 1 0 4,102 2,954
NEW JERSEY RES CORP COM 646025106   222,247 5,470 SH   DFND 1 0 50 5,420
NUCOR CORP COM 670346105   217,258 1,390 SH   DFND 1 0 137 1,253
NVIDIA CORPORATION COM 67066G104   1,158,072 2,662 SH   DFND 1 0 1,196 1,466
ORACLE CORP COM 68389X105   281,558 2,658 SH   DFND 1 0 895 1,763
PEPSICO INC COM 713448108   380,314 2,245 SH   DFND 1 0 900 1,345
PFIZER INC COM 717081103   351,253 10,589 SH   DFND 1 0 2,692 7,897
PROCTER AND GAMBLE CO COM 742718109   534,543 3,665 SH   DFND 1 0 1,394 2,271
PROLOGIS INC. COM 74340W103   464,612 4,141 SH   DFND 1 0 640 3,501
PROSHARES TR SHORT S&P 500 NE 74347B425   319,903 22,108 SH   SOLE   0 0 22,108
S & T BANCORP INC COM 783859101   385,945 14,252 SH   SOLE   0 0 14,252
S&P GLOBAL INC COM 78409V104   649,017 1,776 SH   DFND 1 0 141 1,635
SPDR S&P 500 ETF TR TR UNIT 78462F103   352,450 824 SH   SOLE   0 0 824
SPDR GOLD TR GOLD SHS 78463V107   316,154 1,844 SH   SOLE   0 0 1,844
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,219,665 345,430 SH   SOLE   0 0 345,430
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   53,612,794 1,059,541 SH   SOLE   0 0 1,059,541
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,654,053 98,316 SH   SOLE   0 0 98,316
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   434,074 10,480 SH   SOLE   0 0 10,480
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,580,942 22,342 SH   SOLE   0 0 22,342
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   701,488 15,860 SH   SOLE   0 0 15,860
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   16,506,973 344,685 SH   SOLE   0 0 344,685
STARBUCKS CORP COM 855244109   211,911 2,322 SH   DFND 1 0 761 1,561
TESLA INC COM 88160R101   497,416 1,988 SH   DFND 1 0 1,358 630
TEXAS INSTRS INC COM 882508104   1,044,084 6,566 SH   DFND 1 0 597 5,969
THERMO FISHER SCIENTIFIC INC COM 883556102   245,503 485 SH   DFND 1 0 196 289
UNITEDHEALTH GROUP INC COM 91324P102   346,489 687 SH   DFND 1 0 533 154
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   576,129 3,708 SH   SOLE   0 0 3,708
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,236,848 23,110 SH   SOLE   0 0 23,110
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,273,416 18,249 SH   SOLE   0 0 18,249
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   467,236 10,687 SH   SOLE   0 0 10,687
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,384,607 45,973 SH   SOLE   0 0 45,973
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   382,925 6,648 SH   SOLE   0 0 6,648
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   371,474 8,485 SH   SOLE   0 0 8,485
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,287,686 26,771 SH   SOLE   0 0 26,771
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,486,763 3,786 SH   SOLE   0 0 3,786
VANGUARD INDEX FDS MID CAP ETF 922908629   463,543 2,226 SH   SOLE   0 0 2,226
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   716,221 4,997 SH   SOLE   0 0 4,997
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,147,068 6,067 SH   SOLE   0 0 6,067
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,484,837 16,406 SH   SOLE   0 0 16,406
VERTEX INC CL A 92538J106   2,907,482 125,865 SH   SOLE   0 0 125,865
VISA INC COM CL A 92826C839   320,351 1,393 SH   DFND 1 0 1,114 279
WALMART INC COM 931142103   304,238 1,902 SH   DFND 1 0 912 990
WELLS FARGO CO NEW COM 949746101   1,691,412 41,395 SH   DFND 1 0 1,358 40,037