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 727 4,882 SH   SOLE   0 0 4,882
ABBVIE INC COM 00287Y109 248 1,531 SH   SOLE   0 0 1,531
ABRDN ETFS BBRG ALL COMD K1 003261104 313 10,900 SH   SOLE   0 0 10,900
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 454 1,346 SH   SOLE   0 0 1,346
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,852 4,065 SH   SOLE   0 0 4,065
ADVANCED MICRO DEVICES INC COM 007903107 522 4,773 SH   SOLE   0 0 4,773
ALLIANT ENERGY CORP COM 018802108 327 5,232 SH   SOLE   0 0 5,232
ALLSTATE CORP COM 020002101 1,596 11,526 SH   SOLE   0 0 11,526
AMAZON COM INC COM 023135106 522 160 SH   SOLE   0 0 160
AMERICAN TOWER CORP NEW COM 03027X100 247 985 SH   SOLE   0 0 985
AMETEK INC COM 031100100 853 6,407 SH   SOLE   0 0 6,407
AMGEN INC COM 031162100 369 1,524 SH   SOLE   0 0 1,524
ANALOG DEVICES INC COM 032654105 558 3,379 SH   SOLE   0 0 3,379
APPLE INC COM 037833100 13,813 79,107 SH   SOLE   0 0 79,107
AT&T INC COM 00206R102 298 12,597 SH   SOLE   0 0 12,597
AUTONATION INC COM 05329W102 1,187 11,925 SH   SOLE   0 0 11,925
BANK NEW YORK MELLON CORP COM 064058100 371 7,467 SH   SOLE   0 0 7,467
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 457 1,295 SH   SOLE   0 0 1,295
BLACKSTONE INC COM 09260D107 382 3,007 SH   SOLE   0 0 3,007
BLOCK INC CL A 852234103 318 2,345 SH   SOLE   0 0 2,345
BOEING CO COM 097023105 976 5,099 SH   SOLE   0 0 5,099
BRISTOL-MYERS SQUIBB CO COM 110122108 645 8,837 SH   SOLE   0 0 8,837
C3 AI INC CL A 12468P104 211 9,280 SH   SOLE   0 0 9,280
CASSAVA SCIENCES INC COM 14817C107 531 14,290 SH   SOLE   0 0 14,290
CATERPILLAR INC COM 149123101 911 4,090 SH   SOLE   0 0 4,090
CHENIERE ENERGY INC COM NEW 16411R208 684 4,936 SH   SOLE   0 0 4,936
CHEVRON CORP NEW COM 166764100 361 2,215 SH   SOLE   0 0 2,215
CISCO SYS INC COM 17275R102 949 17,021 SH   SOLE   0 0 17,021
CITIZENS & NORTHN CORP COM 172922106 3,479 142,681 SH   SOLE   0 0 142,681
CLOROX CO DEL COM 189054109 415 2,985 SH   SOLE   0 0 2,985
COCA COLA CO COM 191216100 717 11,558 SH   SOLE   0 0 11,558
CONOCOPHILLIPS COM 20825C104 736 7,361 SH   SOLE   0 0 7,361
CONSOLIDATED EDISON INC COM 209115104 336 3,550 SH   SOLE   0 0 3,550
COSTAR GROUP INC COM 22160N109 1,021 15,331 SH   SOLE   0 0 15,331
CROWDSTRIKE HLDGS INC CL A 22788C105 209 920 SH   SOLE   0 0 920
CSX CORP COM 126408103 520 13,879 SH   SOLE   0 0 13,879
DANAHER CORPORATION COM 235851102 317 1,080 SH   SOLE   0 0 1,080
DEERE & CO COM 244199105 426 1,026 SH   SOLE   0 0 1,026
DEVON ENERGY CORP NEW COM 25179M103 252 4,267 SH   SOLE   0 0 4,267
DIAGEO PLC SPON ADR NEW 25243Q205 207 1,020 SH   SOLE   0 0 1,020
DISNEY WALT CO COM 254687106 1,431 10,431 SH   SOLE   0 0 10,431
DOCUSIGN INC COM 256163106 443 4,138 SH   SOLE   0 0 4,138
DOW INC COM 260557103 272 4,263 SH   SOLE   0 0 4,263
EATON CORP PLC SHS G29183103 733 4,832 SH   SOLE   0 0 4,832
EOG RES INC COM 26875P101 1,019 8,547 SH   SOLE   0 0 8,547
EXXON MOBIL CORP COM 30231G102 621 7,521 SH   SOLE   0 0 7,521
FEDEX CORP COM 31428X106 452 1,954 SH   SOLE   0 0 1,954
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 3,500 74,390 SH   SOLE   0 0 74,390
GENERAL MLS INC COM 370334104 241 3,561 SH   SOLE   0 0 3,561
GLOBAL X FDS GLBX SUPRINC ETF 37950E333 460 41,247 SH   SOLE   0 0 41,247
HARTFORD FINL SVCS GROUP INC COM 416515104 228 3,173 SH   SOLE   0 0 3,173
HOME DEPOT INC COM 437076102 412 1,378 SH   SOLE   0 0 1,378
HORMEL FOODS CORP COM 440452100 320 6,208 SH   SOLE   0 0 6,208
INTEL CORP COM 458140100 557 11,246 SH   SOLE   0 0 11,246
INTERNATIONAL BUSINESS MACHS COM 459200101 718 5,525 SH   SOLE   0 0 5,525
INTUITIVE SURGICAL INC COM NEW 46120E602 416 1,379 SH   SOLE   0 0 1,379
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 210 4,290 SH   SOLE   0 0 4,290
IQVIA HLDGS INC COM 46266C105 870 3,764 SH   SOLE   0 0 3,764
ISHARES INC CORE MSCI EMKT 46434G103 1,778 32,012 SH   SOLE   0 0 32,012
ISHARES TR TIPS BD ETF 464287176 6,091 48,899 SH   SOLE   0 0 48,899
ISHARES TR ISHS 1-5YR INVS 464288646 2,423 46,853 SH   SOLE   0 0 46,853
ISHARES TR USD INV GRDE ETF 464288620 2,372 43,095 SH   SOLE   0 0 43,095
ISHARES TR MBS ETF 464288588 230 2,259 SH   SOLE   0 0 2,259
ISHARES TR GL CLEAN ENE ETF 464288224 2,073 96,319 SH   SOLE   0 0 96,319
ISHARES TR CORE MSCI EAFE 46432F842 322 4,628 SH   SOLE   0 0 4,628
ISHARES TR BARCLAYS 7 10 YR 464287440 268 2,496 SH   SOLE   0 0 2,496
JOHNSON & JOHNSON COM 478160104 2,086 11,769 SH   SOLE   0 0 11,769
JPMORGAN CHASE & CO COM 46625H100 472 3,459 SH   SOLE   0 0 3,459
KIMBERLY-CLARK CORP COM 494368103 872 7,081 SH   SOLE   0 0 7,081
LILLY ELI & CO COM 532457108 924 3,228 SH   SOLE   0 0 3,228
LOCKHEED MARTIN CORP COM 539830109 238 540 SH   SOLE   0 0 540
LOWES COS INC COM 548661107 305 1,508 SH   SOLE   0 0 1,508
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 1,269 12,337 SH   SOLE   0 0 12,337
MARATHON PETE CORP COM 56585A102 244 2,852 SH   SOLE   0 0 2,852
MCDONALDS CORP COM 580135101 1,301 5,260 SH   SOLE   0 0 5,260
MEDTRONIC PLC SHS G5960L103 585 5,275 SH   SOLE   0 0 5,275
MERCK & CO INC COM 58933Y105 1,725 21,028 SH   SOLE   0 0 21,028
META PLATFORMS INC CL A 30303M102 1,376 6,186 SH   SOLE   0 0 6,186
MICROSOFT CORP COM 594918104 784 2,544 SH   SOLE   0 0 2,544
MOTOROLA SOLUTIONS INC COM NEW 620076307 800 3,302 SH   SOLE   0 0 3,302
NATIONAL FUEL GAS CO COM 636180101 219 3,190 SH   SOLE   0 0 3,190
NUCOR CORP COM 670346105 521 3,508 SH   SOLE   0 0 3,508
NVIDIA CORPORATION COM 67066G104 561 2,057 SH   SOLE   0 0 2,057
PAYCHEX INC COM 704326107 1,773 12,992 SH   SOLE   0 0 12,992
PEPSICO INC COM 713448108 1,181 7,053 SH   SOLE   0 0 7,053
PFIZER INC COM 717081103 1,112 21,489 SH   SOLE   0 0 21,489
PHILLIPS 66 COM 718546104 236 2,731 SH   SOLE   0 0 2,731
PLUG POWER INC COM NEW 72919P202 220 7,700 SH   SOLE   0 0 7,700
PPL CORP COM 69351T106 240 8,402 SH   SOLE   0 0 8,402
PROCTER AND GAMBLE CO COM 742718109 472 3,086 SH   SOLE   0 0 3,086
PRUDENTIAL FINL INC COM 744320102 1,684 14,248 SH   SOLE   0 0 14,248
PUBLIC STORAGE COM 74460D109 297 760 SH   SOLE   0 0 760
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,051 15,008 SH   SOLE   0 0 15,008
PVH CORPORATION COM 693656100 1,078 14,072 SH   SOLE   0 0 14,072
RAYTHEON TECHNOLOGIES CORP COM 75513E101 442 4,458 SH   SOLE   0 0 4,458
REPUBLIC SVCS INC COM 760759100 1,618 12,215 SH   SOLE   0 0 12,215
RIOT BLOCKCHAIN INC COM 767292105 215 10,150 SH   SOLE   0 0 10,150
S&P GLOBAL INC COM 78409V104 226 551 SH   SOLE   0 0 551
SALESFORCE COM INC COM 79466L302 475 2,238 SH   SOLE   0 0 2,238
SCHWAB STRATEGIC TR US TIPS ETF 808524870 256 4,223 SH   SOLE   0 0 4,223
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 514 6,865 SH   SOLE   0 0 6,865
SCHWAB STRATEGIC TR US REIT ETF 808524847 250 10,057 SH   SOLE   0 0 10,057
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 267 7,043 SH   SOLE   0 0 7,043
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,763 206,791 SH   SOLE   0 0 206,791
SOUTHERN CO COM 842587107 493 6,796 SH   SOLE   0 0 6,796
SPDR GOLD TR GOLD SHS 78463V107 468 2,592 SH   SOLE   0 0 2,592
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,071 31,235 SH   SOLE   0 0 31,235
SPDR S&P 500 ETF TR TR UNIT 78462F103 511 1,130 SH   SOLE   0 0 1,130
SPDR SER TR S&P 400 MDCP GRW 78464A821 388 5,225 SH   SOLE   0 0 5,225
SPDR SER TR RUSSELL YIELD 78468R770 281 2,775 SH   SOLE   0 0 2,775
STARBUCKS CORP COM 855244109 1,630 17,919 SH   SOLE   0 0 17,919
STRYKER CORPORATION COM 863667101 679 2,540 SH   SOLE   0 0 2,540
TARGET CORP COM 87612E106 457 2,154 SH   SOLE   0 0 2,154
TELEFLEX INCORPORATED COM 879369106 845 2,380 SH   SOLE   0 0 2,380
TENABLE HLDGS INC COM 88025T102 270 4,675 SH   SOLE   0 0 4,675
TESLA INC COM 88160R101 279 259 SH   SOLE   0 0 259
THERMO FISHER SCIENTIFIC INC COM 883556102 340 575 SH   SOLE   0 0 575
TRAVELERS COMPANIES INC COM 89417E109 209 1,145 SH   SOLE   0 0 1,145
TRUIST FINL CORP COM 89832Q109 2,625 46,304 SH   SOLE   0 0 46,304
UNITED PARCEL SERVICE INC CL B 911312106 935 4,362 SH   SOLE   0 0 4,362
UNITEDHEALTH GROUP INC COM 91324P102 1,136 2,228 SH   SOLE   0 0 2,228
UNITY SOFTWARE INC COM 91332U101 299 3,013 SH   SOLE   0 0 3,013
UNIVEST FINANCIAL CORPORATIO COM 915271100 1,087 40,612 SH   SOLE   0 0 40,612
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 702 23,099 SH   SOLE   0 0 23,099
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 341 6,510 SH   SOLE   0 0 6,510
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,831 12,231 SH   SOLE   0 0 12,231
VANGUARD INDEX FDS GROWTH ETF 922908736 12,768 44,396 SH   SOLE   0 0 44,396
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,563 7,016 SH   SOLE   0 0 7,016
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 338 7,330 SH   SOLE   0 0 7,330
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 431 5,012 SH   SOLE   0 0 5,012
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 422 6,704 SH   SOLE   0 0 6,704
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 265 4,471 SH   SOLE   0 0 4,471
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 262 3,350 SH   SOLE   0 0 3,350
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 357 7,118 SH   SOLE   0 0 7,118
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 756 4,062 SH   SOLE   0 0 4,062
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 1,291 9,144 SH   SOLE   0 0 9,144
VANGUARD WORLD FDS ENERGY ETF 92204A306 408 3,810 SH   SOLE   0 0 3,810
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 470 1,847 SH   SOLE   0 0 1,847
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 324 1,655 SH   SOLE   0 0 1,655
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 208 680 SH   SOLE   0 0 680
VANGUARD WORLD FDS INF TECH ETF 92204A702 446 1,070 SH   SOLE   0 0 1,070
VERIZON COMMUNICATIONS INC COM 92343V104 1,055 20,716 SH   SOLE   0 0 20,716
VISA INC COM CL A 92826C839 1,320 5,953 SH   SOLE   0 0 5,953
WASTE MGMT INC DEL COM 94106L109 1,042 6,572 SH   SOLE   0 0 6,572
WELLS FARGO CO NEW COM 949746101 741 15,287 SH   SOLE   0 0 15,287
WEST PHARMACEUTICAL SVSC INC COM 955306105 411 1,000 SH   SOLE   0 0 1,000