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
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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
3M CO COM 88579Y101   768,203 5,620 SH   SOLE   0 0 5,620
ABBVIE INC COM 00287Y109   303,527 1,537 SH   SOLE   0 0 1,537
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   238,599 675 SH   SOLE   0 0 675
ADOBE INC COM 00724F101   1,930,802 3,729 SH   SOLE   0 0 3,729
ADVANCED MICRO DEVICES INC COM 007903107   376,235 2,293 SH   SOLE   0 0 2,293
AKAMAI TECHNOLOGIES INC COM 00971T101   226,128 2,240 SH   SOLE   0 0 2,240
ALLSTATE CORP COM 020002101   1,886,908 9,949 SH   SOLE   0 0 9,949
ALPHABET INC CAP STK CL A 02079K305   247,614 1,493 SH   SOLE   0 0 1,493
AMAZON COM INC COM 023135106   780,536 4,189 SH   SOLE   0 0 4,189
AMERICAN EXPRESS CO COM 025816109   220,757 814 SH   SOLE   0 0 814
AMERICAN TOWER CORP NEW COM 03027X100   203,490 875 SH   SOLE   0 0 875
AMETEK INC COM 031100100   1,036,049 6,034 SH   SOLE   0 0 6,034
AMGEN INC COM 031162100   400,613 1,243 SH   SOLE   0 0 1,243
ANALOG DEVICES INC COM 032654105   735,934 3,197 SH   SOLE   0 0 3,197
APPLE INC COM 037833100   14,800,236 63,520 SH   SOLE   0 0 63,520
AT&T INC COM 00206R102   240,309 10,923 SH   SOLE   0 0 10,923
AUTONATION INC COM 05329W102   1,714,411 9,582 SH   SOLE   0 0 9,582
AUTOZONE INC COM 053332102   299,254 95 SH   SOLE   0 0 95
BANK NEW YORK MELLON CORP COM 064058100   525,153 7,308 SH   SOLE   0 0 7,308
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   353,019 767 SH   SOLE   0 0 767
BLACKSTONE INC COM 09260D107   527,839 3,447 SH   SOLE   0 0 3,447
BRISTOL-MYERS SQUIBB CO COM 110122108   277,482 5,363 SH   SOLE   0 0 5,363
BROADCOM INC COM 11135F101   413,483 2,397 SH   SOLE   0 0 2,397
CASSAVA SCIENCES INC COM 14817C107   372,966 12,673 SH   SOLE   0 0 12,673
CATERPILLAR INC COM 149123101   1,707,450 4,366 SH   SOLE   0 0 4,366
CHENIERE ENERGY INC COM NEW 16411R208   787,727 4,380 SH   SOLE   0 0 4,380
CHEVRON CORP NEW COM 166764100   298,074 2,024 SH   SOLE   0 0 2,024
CISCO SYS INC COM 17275R102   964,506 18,123 SH   SOLE   0 0 18,123
CITIGROUP INC COM NEW 172967424   214,405 3,425 SH   SOLE   0 0 3,425
CITIZENS & NORTHN CORP COM 172922106   1,967,149 99,906 SH   SOLE   0 0 99,906
CLOROX CO DEL COM 189054109   454,056 2,787 SH   SOLE   0 0 2,787
COCA COLA CO COM 191216100   881,866 12,272 SH   SOLE   0 0 12,272
CONOCOPHILLIPS COM 20825C104   769,974 7,314 SH   SOLE   0 0 7,314
CONSOLIDATED EDISON INC COM 209115104   349,981 3,361 SH   SOLE   0 0 3,361
COSTAR GROUP INC COM 22160N109   802,983 10,644 SH   SOLE   0 0 10,644
CROWDSTRIKE HLDGS INC CL A 22788C105   371,903 1,326 SH   SOLE   0 0 1,326
CROWN CASTLE INC COM 22822V101   817,005 6,887 SH   SOLE   0 0 6,887
DEERE & CO COM 244199105   258,022 618 SH   SOLE   0 0 618
DEVON ENERGY CORP NEW COM 25179M103   486,222 12,429 SH   SOLE   0 0 12,429
DOW INC COM 260557103   629,611 11,525 SH   SOLE   0 0 11,525
DUKE ENERGY CORP NEW COM NEW 26441C204   204,542 1,774 SH   SOLE   0 0 1,774
EATON CORP PLC SHS G29183103   1,522,401 4,593 SH   SOLE   0 0 4,593
ECOLAB INC COM 278865100   207,869 814 SH   SOLE   0 0 814
ELI LILLY & CO COM 532457108   1,339,541 1,512 SH   SOLE   0 0 1,512
EOG RES INC COM 26875P101   954,223 7,762 SH   SOLE   0 0 7,762
EURONET WORLDWIDE INC COM 298736109   216,718 2,184 SH   SOLE   0 0 2,184
EXXON MOBIL CORP COM 30231G102   1,168,375 9,967 SH   SOLE   0 0 9,967
FEDEX CORP COM 31428X106   533,046 1,948 SH   SOLE   0 0 1,948
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   254,050 4,575 SH   SOLE   0 0 4,575
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   495,658 10,801 SH   SOLE   0 0 10,801
FISERV INC COM 337738108   308,279 1,716 SH   SOLE   0 0 1,716
GENERAC HLDGS INC COM 368736104   309,816 1,950 SH   SOLE   0 0 1,950
GENERAL MLS INC COM 370334104   207,666 2,812 SH   SOLE   0 0 2,812
GOLDMAN SACHS GROUP INC COM 38141G104   258,447 522 SH   SOLE   0 0 522
HALLIBURTON CO COM 406216101   253,490 8,726 SH   SOLE   0 0 8,726
HOME DEPOT INC COM 437076102   571,024 1,409 SH   SOLE   0 0 1,409
INTEL CORP COM 458140100   334,469 14,257 SH   SOLE   0 0 14,257
INTERNATIONAL BUSINESS MACHS COM 459200101   1,548,665 7,005 SH   SOLE   0 0 7,005
INTERNATIONAL PAPER CO COM 460146103   350,743 7,180 SH   SOLE   0 0 7,180
INVESCO BD FD COM 46132L107   179,064 10,527 SH   SOLE   0 0 10,527
INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738   250,198 4,290 SH   SOLE   0 0 4,290
IQVIA HLDGS INC COM 46266C105   586,738 2,476 SH   SOLE   0 0 2,476
ISHARES INC CORE MSCI EMKT 46434G103   445,453 7,759 SH   SOLE   0 0 7,759
ISHARES TR CRE U S REIT ETF 464288521   229,410 3,726 SH   SOLE   0 0 3,726
ISHARES TR TIPS BD ETF 464287176   730,649 6,614 SH   SOLE   0 0 6,614
ISHARES TR USD INV GRDE ETF 464288620   4,391,807 83,526 SH   SOLE   0 0 83,526
ISHARES TR ISHS 1-5YR INVS 464288646   2,256,559 42,851 SH   SOLE   0 0 42,851
ISHARES TR MBS ETF 464288588   349,898 3,652 SH   SOLE   0 0 3,652
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   3,230,983 58,820 SH   SOLE   0 0 58,820
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   9,530,435 160,148 SH   SOLE   0 0 160,148
JANUS DETROIT STR TR HENDERSON MTG 47103U852   397,318 8,517 SH   SOLE   0 0 8,517
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   4,452,763 87,515 SH   SOLE   0 0 87,515
JOHNSON & JOHNSON COM 478160104   1,773,610 10,944 SH   SOLE   0 0 10,944
JOHNSON CTLS INTL PLC SHS G51502105   336,129 4,331 SH   SOLE   0 0 4,331
JPMORGAN CHASE & CO. COM 46625H100   846,084 4,013 SH   SOLE   0 0 4,013
KELLANOVA COM 487836108   261,624 3,242 SH   SOLE   0 0 3,242
KIMBERLY-CLARK CORP COM 494368103   1,022,142 7,184 SH   SOLE   0 0 7,184
KNIFE RIVER CORP COMMON STOCK 498894104   266,203 2,978 SH   SOLE   0 0 2,978
LOWES COS INC COM 548661107   328,438 1,213 SH   SOLE   0 0 1,213
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   1,034,168 10,784 SH   SOLE   0 0 10,784
MARATHON PETE CORP COM 56585A102   411,999 2,529 SH   SOLE   0 0 2,529
MARRIOTT INTL INC NEW CL A 571903202   255,064 1,026 SH   SOLE   0 0 1,026
MCDONALDS CORP COM 580135101   1,469,036 4,824 SH   SOLE   0 0 4,824
MEDTRONIC PLC SHS G5960L103   491,204 5,456 SH   SOLE   0 0 5,456
MERCK & CO INC COM 58933Y105   2,428,595 21,386 SH   SOLE   0 0 21,386
META PLATFORMS INC CL A 30303M102   2,536,056 4,430 SH   SOLE   0 0 4,430
MICROCHIP TECHNOLOGY INC. COM 595017104   304,219 3,789 SH   SOLE   0 0 3,789
MICROSOFT CORP COM 594918104   1,392,902 3,237 SH   SOLE   0 0 3,237
MORGAN STANLEY COM NEW 617446448   262,581 2,519 SH   SOLE   0 0 2,519
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,061,127 2,360 SH   SOLE   0 0 2,360
NATIONAL FUEL GAS CO COM 636180101   339,416 5,600 SH   SOLE   0 0 5,600
NETFLIX INC COM 64110L106   709,270 1,000 SH   SOLE   0 0 1,000
NEWMONT CORP COM 651639106   693,300 12,971 SH   SOLE   0 0 12,971
NORTHWEST BANCSHARES INC MD COM 667340103   142,497 10,650 SH   SOLE   0 0 10,650
NUCOR CORP COM 670346105   399,904 2,660 SH   SOLE   0 0 2,660
NUVEEN MUN VALUE FD INC COM 670928100   115,862 12,845 SH   SOLE   0 0 12,845
NVIDIA CORPORATION COM 67066G104   3,204,923 26,391 SH   SOLE   0 0 26,391
ORACLE CORP COM 68389X105   251,510 1,476 SH   SOLE   0 0 1,476
PACER FDS TR PAC ASSET FLTG 69374H428   448,021 9,434 SH   SOLE   0 0 9,434
PACER FDS TR US CASH COWS 100 69374H881   7,261,135 125,560 SH   SOLE   0 0 125,560
PACER FDS TR DEVELOPED MRKT 69374H873   2,799,034 88,493 SH   SOLE   0 0 88,493
PACER FDS TR PACER US SMALL 69374H857   1,750,268 37,624 SH   SOLE   0 0 37,624
PAYCHEX INC COM 704326107   1,616,711 12,048 SH   SOLE   0 0 12,048
PEPSICO INC COM 713448108   930,240 5,470 SH   SOLE   0 0 5,470
PFIZER INC COM 717081103   345,978 11,955 SH   SOLE   0 0 11,955
PHILLIPS 66 COM 718546104   226,116 1,720 SH   SOLE   0 0 1,720
PROCTER AND GAMBLE CO COM 742718109   454,304 2,623 SH   SOLE   0 0 2,623
PRUDENTIAL FINL INC COM 744320102   1,458,958 12,048 SH   SOLE   0 0 12,048
PUBLIC STORAGE OPER CO COM 74460D109   531,614 1,461 SH   SOLE   0 0 1,461
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,018,293 11,415 SH   SOLE   0 0 11,415
REPUBLIC SVCS INC COM 760759100   1,263,284 6,290 SH   SOLE   0 0 6,290
RIO TINTO PLC SPONSORED ADR 767204100   682,236 9,586 SH   SOLE   0 0 9,586
RTX CORPORATION COM 75513E101   366,218 3,023 SH   SOLE   0 0 3,023
S&P GLOBAL INC COM 78409V104   300,673 582 SH   SOLE   0 0 582
SALESFORCE INC COM 79466L302   476,529 1,741 SH   SOLE   0 0 1,741
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   492,152 4,724 SH   SOLE   0 0 4,724
SCHWAB STRATEGIC TR US REIT ETF 808524847   311,173 13,430 SH   SOLE   0 0 13,430
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   257,612 6,686 SH   SOLE   0 0 6,686
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   7,613,276 94,728 SH   SOLE   0 0 94,728
SOLVENTUM CORP COM SHS 83444M101   463,568 6,649 SH   SOLE   0 0 6,649
SONOCO PRODS CO COM 835495102   283,748 5,194 SH   SOLE   0 0 5,194
SOUTHERN CO COM 842587107   707,733 7,848 SH   SOLE   0 0 7,848
SPDR GOLD TR GOLD SHS 78463V107   411,258 1,692 SH   SOLE   0 0 1,692
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   422,282 11,243 SH   SOLE   0 0 11,243
SPDR S&P 500 ETF TR TR UNIT 78462F103   651,624 1,136 SH   SOLE   0 0 1,136
SPDR SER TR RUSSELL YIELD 78468R770   310,122 2,765 SH   SOLE   0 0 2,765
SPDR SER TR S&P 400 MDCP GRW 78464A821   286,647 3,267 SH   SOLE   0 0 3,267
STARBUCKS CORP COM 855244109   486,647 4,992 SH   SOLE   0 0 4,992
STRYKER CORPORATION COM 863667101   620,818 1,718 SH   SOLE   0 0 1,718
TARGET CORP COM 87612E106   235,816 1,513 SH   SOLE   0 0 1,513
TELEFLEX INCORPORATED COM 879369106   694,227 2,807 SH   SOLE   0 0 2,807
TESLA INC COM 88160R101   654,860 2,503 SH   SOLE   0 0 2,503
TEXAS INSTRS INC COM 882508104   220,204 1,066 SH   SOLE   0 0 1,066
TJX COS INC NEW COM 872540109   367,562 3,127 SH   SOLE   0 0 3,127
TRUIST FINL CORP COM 89832Q109   2,217,148 51,839 SH   SOLE   0 0 51,839
UNITED PARCEL SERVICE INC CL B 911312106   222,064 1,629 SH   SOLE   0 0 1,629
UNITEDHEALTH GROUP INC COM 91324P102   1,103,487 1,887 SH   SOLE   0 0 1,887
UNIVEST FINANCIAL CORPORATIO COM 915271100   1,128,611 40,107 SH   SOLE   0 0 40,107
US BANCORP DEL COM NEW 902973304   251,058 5,490 SH   SOLE   0 0 5,490
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   261,516 8,892 SH   SOLE   0 0 8,892
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   432,609 8,604 SH   SOLE   0 0 8,604
VANGUARD INDEX FDS GROWTH ETF 922908736   17,840,139 46,467 SH   SOLE   0 0 46,467
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,285,662 19,596 SH   SOLE   0 0 19,596
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   3,608,487 14,821 SH   SOLE   0 0 14,821
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   333,371 3,422 SH   SOLE   0 0 3,422
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   324,088 6,773 SH   SOLE   0 0 6,773
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   462,803 5,526 SH   SOLE   0 0 5,526
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   2,985,320 14,404 SH   SOLE   0 0 14,404
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,419,369 30,065 SH   SOLE   0 0 30,065
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   357,384 5,915 SH   SOLE   0 0 5,915
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   1,277,261 8,680 SH   SOLE   0 0 8,680
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   200,297 2,522 SH   SOLE   0 0 2,522
VANGUARD WORLD FD ENERGY ETF 92204A306   564,587 4,610 SH   SOLE   0 0 4,610
VANGUARD WORLD FD INF TECH ETF 92204A702   578,895 987 SH   SOLE   0 0 987
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   232,763 895 SH   SOLE   0 0 895
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   207,693 610 SH   SOLE   0 0 610
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   454,906 1,612 SH   SOLE   0 0 1,612
VANGUARD WORLD FD CONSUM STP ETF 92204A207   329,147 1,507 SH   SOLE   0 0 1,507
VERIZON COMMUNICATIONS INC COM 92343V104   538,157 11,983 SH   SOLE   0 0 11,983
VISA INC COM CL A 92826C839   1,536,526 5,588 SH   SOLE   0 0 5,588
WASTE MGMT INC DEL COM 94106L109   1,050,540 5,060 SH   SOLE   0 0 5,060
WELLS FARGO CO NEW COM 949746101   729,933 12,921 SH   SOLE   0 0 12,921
WILLIAMS COS INC COM 969457100   314,529 6,890 SH   SOLE   0 0 6,890