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
ISHARES TR 20 YR TR BD ETF 464287432   297,432 3,008 SH   SOLE   0 0 3,008
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,755,693 49,086 SH   SOLE   0 0 49,086
ALPHABET INC CAP STK CL A 02079K305   1,238,603 8,867 SH   DFND 1 0 3,489 5,378
ALPHABET INC CAP STK CL C 02079K107   538,934 3,824 SH   DFND 1 0 2,996 828
COMCAST CORP NEW CL A 20030N101   372,908 8,504 SH   DFND 1 0 2,682 5,822
META PLATFORMS INC CL A 30303M102   1,083,945 3,062 SH   DFND 1 0 1,221 1,841
MASTERCARD INCORPORATED CL A 57636Q104   331,903 778 SH   DFND 1 0 548 230
VERTEX INC CL A 92538J106   3,390,804 125,865 SH   SOLE   0 0 125,865
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   36,255 10,758 SH   DFND 1 0 758 10,000
ABBOTT LABS COM 002824100   340,815 3,096 SH   DFND 1 0 1,058 2,038
ABBVIE INC COM 00287Y109   730,736 4,715 SH   DFND 1 0 1,379 3,336
ADOBE INC COM 00724F101   267,874 449 SH   DFND 1 0 356 93
ADVANCED MICRO DEVICES INC COM 007903107   595,538 4,040 SH   DFND 1 0 861 3,179
AMAZON COM INC COM 023135106   1,363,254 8,972 SH   DFND 1 0 4,941 4,031
AMGEN INC COM 031162100   216,248 751 SH   DFND 1 0 437 314
APPLE INC COM 037833100   6,195,410 32,179 SH   DFND 1,2 0 10,877 21,302
BANK AMERICA CORP COM 060505104   242,382 7,199 SH   DFND 1 0 4,995 2,204
BOEING CO COM 097023105   348,156 1,336 SH   DFND 1 0 279 1,057
BROADCOM INC COM 11135F101   322,297 289 SH   DFND 1 0 254 35
CHEVRON CORP NEW COM 166764100   290,898 1,950 SH   DFND 1 0 960 990
CISCO SYS INC COM 17275R102   209,411 4,145 SH   DFND 1 0 2,742 1,403
COMMUNITY BK SYS INC COM 203607106   569,208 10,923 SH   DFND 1 0 40 10,883
COSTCO WHSL CORP NEW COM 22160K105   253,855 385 SH   DFND 1 0 321 64
DISNEY WALT CO COM 254687106   262,149 2,903 SH   DFND 1 0 980 1,923
ESSENTIAL UTILS INC COM 29670G102   212,523 5,690 SH   DFND 1 0 232 5,458
EXXON MOBIL CORP COM 30231G102   1,029,362 10,296 SH   DFND 1 0 2,583 7,713
FULTON FINL CORP PA COM 360271100   305,729 18,574 SH   DFND 1 0 173 18,401
HOME DEPOT INC COM 437076102   2,147,159 6,196 SH   DFND 1 0 747 5,449
INTEL CORP COM 458140100   212,123 4,221 SH   DFND 1 0 2,370 1,851
JPMORGAN CHASE & CO COM 46625H100   658,075 3,869 SH   DFND 1 0 2,156 1,713
JOHNSON & JOHNSON COM 478160104   437,241 2,790 SH   DFND 1 0 1,730 1,060
LAKELAND BANCORP INC COM 511637100   172,822 11,685 SH   DFND 1 0 118 11,567
ELI LILLY & CO COM 532457108   353,738 607 SH   DFND 1 0 517 90
LOWES COS INC COM 548661107   404,320 1,817 SH   DFND 1 0 548 1,269
MCDONALDS CORP COM 580135101   530,603 1,789 SH   DFND 1 0 607 1,182
MERCK & CO INC COM 58933Y105   278,059 2,551 SH   DFND 1 0 1,850 701
MERIDIAN CORPORATION COM 58958P104   2,644,544 190,255 SH   SOLE   0 0 190,255
MICROSOFT CORP COM 594918104   2,705,201 7,194 SH   DFND 1 0 4,750 2,444
NEW JERSEY RES CORP COM 646025106   243,051 5,452 SH   DFND 1 0 32 5,420
NUCOR CORP COM 670346105   244,633 1,406 SH   DFND 1 0 153 1,253
NVIDIA CORPORATION COM 67066G104   1,388,272 2,803 SH   DFND 1 0 1,371 1,432
ORACLE CORP COM 68389X105   261,150 2,477 SH   DFND 1 0 1,017 1,460
PEPSICO INC COM 713448108   353,495 2,081 SH   DFND 1 0 912 1,169
PFIZER INC COM 717081103   255,745 8,883 SH   DFND 1 0 2,064 6,819
PROCTER AND GAMBLE CO COM 742718109   518,167 3,536 SH   DFND 1 0 1,578 1,958
PROLOGIS INC. COM 74340W103   540,424 4,054 SH   DFND 1 0 604 3,450
S & T BANCORP INC COM 783859101   476,302 14,252 SH   SOLE   0 0 14,252
S&P GLOBAL INC COM 78409V104   789,579 1,792 SH   DFND 1 0 160 1,632
SALESFORCE INC COM 79466L302   200,602 762 SH   DFND 1 0 616 146
STARBUCKS CORP COM 855244109   217,969 2,270 SH   DFND 1 0 881 1,389
TESLA INC COM 88160R101   490,004 1,972 SH   DFND 1 0 1,398 574
TEXAS INSTRS INC COM 882508104   1,118,227 6,560 SH   DFND 1 0 632 5,928
THERMO FISHER SCIENTIFIC INC COM 883556102   238,856 450 SH   DFND 1 0 216 234
UNITEDHEALTH GROUP INC COM 91324P102   394,679 750 SH   DFND 1 0 596 154
WALMART INC COM 931142103   291,916 1,852 SH   DFND 1 0 1,048 804
WELLS FARGO CO NEW COM 949746101   2,064,025 41,935 SH   DFND 1 0 1,976 39,959
VISA INC COM CL A 92826C839   377,421 1,450 SH   DFND 1 0 1,211 239
DUKE ENERGY CORP NEW COM NEW 26441C204   320,815 3,306 SH   DFND 1 0 583 2,723
GENERAL ELECTRIC CO COM NEW 369604301   241,521 1,892 SH   DFND 1 0 604 1,288
ISHARES INC CORE MSCI EMKT 46434G103   6,753,057 133,512 SH   SOLE   0 0 133,512
ISHARES TR CORE MSCI TOTAL 46432F834   15,189,852 233,942 SH   SOLE   0 0 233,942
ISHARES TR CORE S&P TTL STK 464287150   1,309,483 12,444 SH   SOLE   0 0 12,444
ISHARES TR CORE S&P500 ETF 464287200   4,687,459 9,814 SH   SOLE   0 0 9,814
ISHARES TR CORE TOTAL USD 46434V613   1,087,022 23,595 SH   SOLE   0 0 23,595
ISHARES TR CORE US AGGBD ET 464287226   49,384,378 497,576 SH   SOLE   0 0 497,576
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   629,947 3,697 SH   SOLE   0 0 3,697
ISHARES INC ESG AWR MSCI EM 46434G863   518,026 16,158 SH   SOLE   0 0 16,158
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   797,931 4,853 SH   SOLE   0 0 4,853
SPDR GOLD TR GOLD SHS 78463V107   352,518 1,844 SH   SOLE   0 0 1,844
ISHARES TR MBS ETF 464288588   15,908,456 169,095 SH   SOLE   0 0 169,095
VANGUARD INDEX FDS MID CAP ETF 922908629   519,718 2,234 SH   SOLE   0 0 2,234
ISHARES TR MSCI USA QLT FCT 46432F339   17,243,777 117,193 SH   SOLE   0 0 117,193
ISHARES TR MSCI USA VALUE 46432F388   14,050,601 138,895 SH   SOLE   0 0 138,895
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   393,365 8,485 SH   SOLE   0 0 8,485
ISHARES TR NATIONAL MUN ETF 464288414   27,297,205 251,796 SH   SOLE   0 0 251,796
ISHARES TR RUS 1000 ETF 464287622   291,424 1,111 SH   SOLE   0 0 1,111
ISHARES TR RUSSELL 2000 ETF 464287655   9,181,420 45,745 SH   SOLE   0 0 45,745
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,653,288 3,785 SH   SOLE   0 0 3,785
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   250,991 1,591 SH   SOLE   0 0 1,591
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   387,778 6,648 SH   SOLE   0 0 6,648
ISHARES TR SHRT NAT MUN ETF 464288158   14,800,460 140,382 SH   SOLE   0 0 140,382
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   16,699,136 344,667 SH   SOLE   0 0 344,667
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,341,393 6,288 SH   SOLE   0 0 6,288
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,140,188 61,512 SH   SOLE   0 0 61,512
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   285,809 1,485 SH   SOLE   0 0 1,485
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,388,551 18,879 SH   SOLE   0 0 18,879
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,863,883 16,288 SH   SOLE   0 0 16,288
SPDR S&P 500 ETF TR TR UNIT 78462F103   280,224 590 SH   SOLE   0 0 590
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   708,671 15,201 SH   SOLE   0 0 15,201
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   19,291,858 346,540 SH   SOLE   0 0 346,540
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   62,325,082 1,874,439 SH   SOLE   0 0 1,874,439
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   89,318,671 3,055,719 SH   SOLE   0 0 3,055,719
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,684,393 22,125 SH   SOLE   0 0 22,125
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   233,028 4,496 SH   SOLE   0 0 4,496
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   59,338,661 1,052,104 SH   SOLE   0 0 1,052,104
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,326,157 97,267 SH   SOLE   0 0 97,267
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   522,780 11,066 SH   SOLE   0 0 11,066
VANGUARD INDEX FDS VALUE ETF 922908744   206,161 1,379 SH   SOLE   0 0 1,379
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   566,035 11,817 SH   SOLE   0 0 11,817
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,386,578 23,923 SH   SOLE   0 0 23,923
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   25,850,133 1,058,564 SH   SOLE   0 0 1,058,564