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
3M CO COM 88579Y101 875 4,927 SH   SOLE   0 0 4,927
ABBOTT LABS COM 002824100 202 1,432 SH   SOLE   0 0 1,432
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 713 1,721 SH   SOLE   0 0 1,721
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,336 4,120 SH   SOLE   0 0 4,120
ALLIANT ENERGY CORP COM 018802108 322 5,239 SH   SOLE   0 0 5,239
ALLSTATE CORP COM 020002101 1,369 11,639 SH   SOLE   0 0 11,639
AMAZON COM INC COM 023135106 463 139 SH   SOLE   0 0 139
AMERICAN TOWER CORP NEW COM 03027X100 288 985 SH   SOLE   0 0 985
AMETEK INC COM 031100100 942 6,407 SH   SOLE   0 0 6,407
AMGEN INC COM 031162100 350 1,554 SH   SOLE   0 0 1,554
ANALOG DEVICES INC COM 032654105 604 3,436 SH   SOLE   0 0 3,436
APPLE INC COM 037833100 14,205 79,995 SH   SOLE   0 0 79,995
AT&T INC COM 00206R102 291 11,811 SH   SOLE   0 0 11,811
AUTONATION INC COM 05329W102 1,399 11,973 SH   SOLE   0 0 11,973
BANK NEW YORK MELLON CORP COM 064058100 424 7,299 SH   SOLE   0 0 7,299
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 327 1,092 SH   SOLE   0 0 1,092
BLACKSTONE INC COM 09260D107 389 3,010 SH   SOLE   0 0 3,010
BLOCK INC CL A 852234103 287 1,779 SH   SOLE   0 0 1,779
BOEING CO COM 097023105 1,028 5,105 SH   SOLE   0 0 5,105
BRISTOL-MYERS SQUIBB CO COM 110122108 515 8,263 SH   SOLE   0 0 8,263
C3 AI INC CL A 12468P104 258 8,255 SH   SOLE   0 0 8,255
CASSAVA SCIENCES INC COM 14817C107 550 12,575 SH   SOLE   0 0 12,575
CATERPILLAR INC COM 149123101 826 3,995 SH   SOLE   0 0 3,995
CHENIERE ENERGY INC COM NEW 16411R208 510 5,027 SH   SOLE   0 0 5,027
CHEVRON CORP NEW COM 166764100 233 1,989 SH   SOLE   0 0 1,989
CISCO SYS INC COM 17275R102 999 15,770 SH   SOLE   0 0 15,770
CITIZENS & NORTHN CORP COM 172922106 3,779 144,665 SH   SOLE   0 0 144,665
CLOROX CO DEL COM 189054109 618 3,544 SH   SOLE   0 0 3,544
COCA COLA CO COM 191216100 643 10,856 SH   SOLE   0 0 10,856
CONOCOPHILLIPS COM 20825C104 575 7,969 SH   SOLE   0 0 7,969
CONSOLIDATED EDISON INC COM 209115104 300 3,511 SH   SOLE   0 0 3,511
COSTAR GROUP INC COM 22160N109 1,118 14,146 SH   SOLE   0 0 14,146
COSTCO WHSL CORP NEW COM 22160K105 208 367 SH   SOLE   0 0 367
CSX CORP COM 126408103 522 13,879 SH   SOLE   0 0 13,879
DANAHER CORPORATION COM 235851102 356 1,081 SH   SOLE   0 0 1,081
DEERE & CO COM 244199105 348 1,015 SH   SOLE   0 0 1,015
DISNEY WALT CO COM 254687106 1,567 10,118 SH   SOLE   0 0 10,118
DOCUSIGN INC COM 256163106 551 3,618 SH   SOLE   0 0 3,618
EATON CORP PLC SHS G29183103 835 4,832 SH   SOLE   0 0 4,832
EOG RES INC COM 26875P101 759 8,539 SH   SOLE   0 0 8,539
EXXON MOBIL CORP COM 30231G102 406 6,641 SH   SOLE   0 0 6,641
FEDEX CORP COM 31428X106 521 2,016 SH   SOLE   0 0 2,016
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 3,534 73,757 SH   SOLE   0 0 73,757
GENERAL MLS INC COM 370334104 240 3,561 SH   SOLE   0 0 3,561
GLOBAL X FDS GLBX SUPRINC ETF 37950E333 589 50,262 SH   SOLE   0 0 50,262
HARTFORD FINL SVCS GROUP INC COM 416515104 219 3,169 SH   SOLE   0 0 3,169
HOME DEPOT INC COM 437076102 683 1,645 SH   SOLE   0 0 1,645
HORMEL FOODS CORP COM 440452100 305 6,240 SH   SOLE   0 0 6,240
INTEL CORP COM 458140100 562 10,917 SH   SOLE   0 0 10,917
INTERNATIONAL BUSINESS MACHS COM 459200101 709 5,303 SH   SOLE   0 0 5,303
INTUITIVE SURGICAL INC COM NEW 46120E602 483 1,344 SH   SOLE   0 0 1,344
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 220 4,520 SH   SOLE   0 0 4,520
IQVIA HLDGS INC COM 46266C105 1,062 3,764 SH   SOLE   0 0 3,764
ISHARES INC JP MRG EM CRP BD 464286251 393 7,713 SH   SOLE   0 0 7,713
ISHARES INC CORE MSCI EMKT 46434G103 1,799 30,059 SH   SOLE   0 0 30,059
ISHARES TR IBOXX INV CP ETF 464287242 271 2,049 SH   SOLE   0 0 2,049
ISHARES TR BARCLAYS 7 10 YR 464287440 1,233 10,720 SH   SOLE   0 0 10,720
ISHARES TR SHORT TREAS BD 464288679 624 5,648 SH   SOLE   0 0 5,648
ISHARES TR ISHS 1-5YR INVS 464288646 2,308 42,832 SH   SOLE   0 0 42,832
ISHARES TR CORE MSCI EAFE 46432F842 766 10,260 SH   SOLE   0 0 10,260
ISHARES TR GL CLEAN ENE ETF 464288224 1,993 94,122 SH   SOLE   0 0 94,122
ISHARES TR TIPS BD ETF 464287176 6,444 49,876 SH   SOLE   0 0 49,876
ISHARES TR USD INV GRDE ETF 464288620 2,426 40,611 SH   SOLE   0 0 40,611
JOHNSON & JOHNSON COM 478160104 1,949 11,395 SH   SOLE   0 0 11,395
JPMORGAN CHASE & CO COM 46625H100 458 2,891 SH   SOLE   0 0 2,891
KELLOGG CO COM 487836108 204 3,171 SH   SOLE   0 0 3,171
KIMBERLY-CLARK CORP COM 494368103 1,008 7,052 SH   SOLE   0 0 7,052
LILLY ELI & CO COM 532457108 845 3,058 SH   SOLE   0 0 3,058
LOCKHEED MARTIN CORP COM 539830109 280 787 SH   SOLE   0 0 787
LOWES COS INC COM 548661107 527 2,037 SH   SOLE   0 0 2,037
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 1,122 12,164 SH   SOLE   0 0 12,164
MARATHON PETE CORP COM 56585A102 201 3,146 SH   SOLE   0 0 3,146
MCDONALDS CORP COM 580135101 1,412 5,267 SH   SOLE   0 0 5,267
MEDTRONIC PLC SHS G5960L103 500 4,832 SH   SOLE   0 0 4,832
MERCK & CO INC COM 58933Y105 1,551 20,242 SH   SOLE   0 0 20,242
META PLATFORMS INC CL A 30303M102 1,935 5,753 SH   SOLE   0 0 5,753
MICROSOFT CORP COM 594918104 763 2,270 SH   SOLE   0 0 2,270
MOTOROLA SOLUTIONS INC COM NEW 620076307 885 3,257 SH   SOLE   0 0 3,257
NORTHROP GRUMMAN CORP COM 666807102 222 572 SH   SOLE   0 0 572
NUCOR CORP COM 670346105 394 3,450 SH   SOLE   0 0 3,450
NVIDIA CORPORATION COM 67066G104 527 1,791 SH   SOLE   0 0 1,791
PAYCHEX INC COM 704326107 1,718 12,585 SH   SOLE   0 0 12,585
PEPSICO INC COM 713448108 1,251 7,199 SH   SOLE   0 0 7,199
PFIZER INC COM 717081103 1,229 20,814 SH   SOLE   0 0 20,814
PNC FINL SVCS GROUP INC COM 693475105 201 1,000 SH   SOLE   0 0 1,000
PPL CORP COM 69351T106 290 9,631 SH   SOLE   0 0 9,631
PROCTER AND GAMBLE CO COM 742718109 483 2,953 SH   SOLE   0 0 2,953
PRUDENTIAL FINL INC COM 744320102 1,476 13,632 SH   SOLE   0 0 13,632
PUBLIC STORAGE COM 74460D109 285 760 SH   SOLE   0 0 760
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,009 15,120 SH   SOLE   0 0 15,120
PVH CORPORATION COM 693656100 1,412 13,242 SH   SOLE   0 0 13,242
RAYTHEON TECHNOLOGIES CORP COM 75513E101 383 4,453 SH   SOLE   0 0 4,453
REPUBLIC SVCS INC COM 760759100 1,725 12,371 SH   SOLE   0 0 12,371
RIOT BLOCKCHAIN INC COM 767292105 225 10,075 SH   SOLE   0 0 10,075
S&P GLOBAL INC COM 78409V104 259 549 SH   SOLE   0 0 549
SALESFORCE COM INC COM 79466L302 456 1,794 SH   SOLE   0 0 1,794
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,720 201,036 SH   SOLE   0 0 201,036
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 562 3,432 SH   SOLE   0 0 3,432
SHERWIN WILLIAMS CO COM 824348106 258 734 SH   SOLE   0 0 734
SOUTHERN CO COM 842587107 454 6,625 SH   SOLE   0 0 6,625
SPDR GOLD TR GOLD SHS 78463V107 443 2,592 SH   SOLE   0 0 2,592
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 957 26,239 SH   SOLE   0 0 26,239
SPDR S&P 500 ETF TR TR UNIT 78462F103 537 1,130 SH   SOLE   0 0 1,130
SPDR SER TR S&P 400 MDCP GRW 78464A821 432 5,303 SH   SOLE   0 0 5,303
SPDR SER TR RUSSELL YIELD 78468R770 279 2,775 SH   SOLE   0 0 2,775
STARBUCKS CORP COM 855244109 2,163 18,488 SH   SOLE   0 0 18,488
STRYKER CORPORATION COM 863667101 679 2,539 SH   SOLE   0 0 2,539
TARGET CORP COM 87612E106 558 2,409 SH   SOLE   0 0 2,409
TELEFLEX INCORPORATED COM 879369106 650 1,980 SH   SOLE   0 0 1,980
TENABLE HLDGS INC COM 88025T102 257 4,675 SH   SOLE   0 0 4,675
THERMO FISHER SCIENTIFIC INC COM 883556102 384 576 SH   SOLE   0 0 576
TJX COS INC NEW COM 872540109 255 3,363 SH   SOLE   0 0 3,363
TRACTOR SUPPLY CO COM 892356106 244 1,021 SH   SOLE   0 0 1,021
TRUIST FINL CORP COM 89832Q109 2,840 48,511 SH   SOLE   0 0 48,511
UNITED PARCEL SERVICE INC CL B 911312106 977 4,559 SH   SOLE   0 0 4,559
UNITEDHEALTH GROUP INC COM 91324P102 1,062 2,116 SH   SOLE   0 0 2,116
UNITY SOFTWARE INC COM 91332U101 419 2,930 SH   SOLE   0 0 2,930
UNIVEST FINANCIAL CORPORATIO COM 915271100 1,215 40,612 SH   SOLE   0 0 40,612
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 766 23,231 SH   SOLE   0 0 23,231
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,655 11,008 SH   SOLE   0 0 11,008
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,648 6,472 SH   SOLE   0 0 6,472
VANGUARD INDEX FDS GROWTH ETF 922908736 13,937 43,432 SH   SOLE   0 0 43,432
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 1,177 8,102 SH   SOLE   0 0 8,102
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 742 3,476 SH   SOLE   0 0 3,476
VANGUARD WORLD FDS INF TECH ETF 92204A702 479 1,045 SH   SOLE   0 0 1,045
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 492 1,847 SH   SOLE   0 0 1,847
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 221 650 SH   SOLE   0 0 650
VANGUARD WORLD FDS ENERGY ETF 92204A306 296 3,810 SH   SOLE   0 0 3,810
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 331 1,655 SH   SOLE   0 0 1,655
VERIZON COMMUNICATIONS INC COM 92343V104 1,115 21,462 SH   SOLE   0 0 21,462
VISA INC COM CL A 92826C839 1,248 5,757 SH   SOLE   0 0 5,757
WASTE MGMT INC DEL COM 94106L109 1,093 6,549 SH   SOLE   0 0 6,549
WELLS FARGO CO NEW COM 949746101 734 15,302 SH   SOLE   0 0 15,302
WEST PHARMACEUTICAL SVSC INC COM 955306105 469 1,000 SH   SOLE   0 0 1,000