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
ABBOTT LABS COM 002824100 253 2,139 SH   SOLE 0 0 0 2,139
ABBVIE INC COM 00287Y109 2,106 12,991 SH   SOLE 0 0 0 12,991
ABRDN ETFS BBRG ALL COMD K1 003261104 1,893 65,907 SH   SOLE 0 0 0 65,907
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 1,845 99,311 SH   SOLE 0 0 0 99,311
ADOBE SYSTEMS INCORPORATED COM 00724F101 513 1,126 SH   SOLE 0 0 0 1,126
ADVANCED MICRO DEVICES INC COM 007903107 207 1,891 SH   SOLE 0 0 0 1,891
AIR PRODS & CHEMS INC COM 009158106 530 2,122 SH   SOLE 0 0 0 2,122
ALPHABET INC CAP STK CL A 02079K305 2,601 935 SH   SOLE 0 0 0 935
AMAZON COM INC COM 023135106 2,191 672 SH   SOLE 0 0 0 672
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,297 28,769 SH   SOLE 0 0 0 28,769
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 4,527 72,340 SH   SOLE 0 0 0 72,340
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1,052 17,749 SH   SOLE 0 0 0 17,749
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 352 6,690 SH   SOLE 0 0 0 6,690
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 483 9,629 SH   SOLE 0 0 0 9,629
AMERICAN INTL GROUP INC COM NEW 026874784 556 8,863 SH   SOLE 0 0 0 8,863
AMERICAN TOWER CORP NEW COM 03027X100 469 1,867 SH   SOLE 0 0 0 1,867
ANI PHARMACEUTICALS INC COM 00182C103 231 8,225 SH   SOLE 0 0 0 8,225
APPLE INC COM 037833100 3,568 20,432 SH   SOLE 0 0 0 20,432
BARRICK GOLD CORP COM 067901108 328 13,355 SH   SOLE 0 0 0 13,355
BK OF AMERICA CORP COM 060505104 365 8,843 SH   SOLE 0 0 0 8,843
BOSTON SCIENTIFIC CORP COM 101137107 382 8,627 SH   SOLE 0 0 0 8,627
BRISTOL-MYERS SQUIBB CO COM 110122108 436 5,968 SH   SOLE 0 0 0 5,968
BROADCOM INC COM 11135F101 365 579 SH   SOLE 0 0 0 579
CHEVRON CORP NEW COM 166764100 1,039 6,379 SH   SOLE 0 0 0 6,379
CISCO SYS INC COM 17275R102 430 7,708 SH   SOLE 0 0 0 7,708
CME GROUP INC COM 12572Q105 481 2,024 SH   SOLE 0 0 0 2,024
COCA COLA CO COM 191216100 555 8,945 SH   SOLE 0 0 0 8,945
COLGATE PALMOLIVE CO COM 194162103 226 2,984 SH   SOLE 0 0 0 2,984
COMCAST CORP NEW CL A 20030N101 439 9,387 SH   SOLE 0 0 0 9,387
CONSTELLATION BRANDS INC CL A 21036P108 453 1,967 SH   SOLE 0 0 0 1,967
COSTCO WHSL CORP NEW COM 22160K105 921 1,599 SH   SOLE 0 0 0 1,599
CSX CORP COM 126408103 582 15,552 SH   SOLE 0 0 0 15,552
DEERE & CO COM 244199105 692 1,666 SH   SOLE 0 0 0 1,666
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 1,044 21,548 SH   SOLE 0 0 0 21,548
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,892 138,257 SH   SOLE 0 0 0 138,257
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 5,444 207,454 SH   SOLE 0 0 0 207,454
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 867 31,431 SH   SOLE 0 0 0 31,431
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 727 12,963 SH   SOLE 0 0 0 12,963
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 264 5,658 SH   SOLE 0 0 0 5,658
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 768 22,936 SH   SOLE 0 0 0 22,936
DISNEY WALT CO COM 254687106 225 1,640 SH   SOLE 0 0 0 1,640
EATON CORP PLC SHS G29183103 318 2,093 SH   SOLE 0 0 0 2,093
ENTERPRISE PRODS PARTNERS L COM 293792107 227 8,790 SH   SOLE 0 0 0 8,790
EOG RES INC COM 26875P101 725 6,078 SH   SOLE 0 0 0 6,078
GENERAL MLS INC COM 370334104 271 4,009 SH   SOLE 0 0 0 4,009
GILEAD SCIENCES INC COM 375558103 653 10,978 SH   SOLE 0 0 0 10,978
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 280 6,418 SH   SOLE 0 0 0 6,418
GLOBAL X FDS US PFD ETF 37954Y657 7,548 321,196 SH   SOLE 0 0 0 321,196
HOME DEPOT INC COM 437076102 1,055 3,526 SH   SOLE 0 0 0 3,526
HONEYWELL INTL INC COM 438516106 551 2,830 SH   SOLE 0 0 0 2,830
HP INC COM 40434L105 1,213 33,420 SH   SOLE 0 0 0 33,420
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748 257 8,000 SH   SOLE 0 0 0 8,000
INTERNATIONAL BUSINESS MACHS COM 459200101 999 7,682 SH   SOLE 0 0 0 7,682
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,637 75,200 SH   SOLE 0 0 0 75,200
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 236 5,000 SH   SOLE 0 0 0 5,000
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 1,685 70,727 SH   SOLE 0 0 0 70,727
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,141 53,669 SH   SOLE 0 0 0 53,669
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 704 33,355 SH   SOLE 0 0 0 33,355
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 8,699 379,689 SH   SOLE 0 0 0 379,689
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 295 14,011 SH   SOLE 0 0 0 14,011
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 3,495 142,597 SH   SOLE 0 0 0 142,597
ISHARES TR MSCI INTL VLU FT 46435G409 377 14,826 SH   SOLE 0 0 0 14,826
ISHARES TR EXPONENTIAL TECH 46434V381 278 4,713 SH   SOLE 0 0 0 4,713
ISHARES TR MSCI USA QLT FCT 46432F339 981 7,290 SH   SOLE 0 0 0 7,290
ISHARES TR 0-5YR HI YL CP 46434V407 756 17,200 SH   SOLE 0 0 0 17,200
ISHARES TR 0-5YR INVT GR CP 46434V100 877 17,775 SH   SOLE 0 0 0 17,775
ISHARES TR GLOBAL REIT ETF 46434V647 276 9,461 SH   SOLE 0 0 0 9,461
ISHARES TR CORE HIGH DV ETF 46429B663 882 8,250 SH   SOLE 0 0 0 8,250
ISHARES TR FLTG RATE NT ETF 46429B655 298 5,900 SH   SOLE 0 0 0 5,900
ISHARES TR PFD AND INCM SEC 464288687 5,416 148,701 SH   SOLE 0 0 0 148,701
ISHARES TR INTL SEL DIV ETF 464288448 1,560 49,110 SH   SOLE 0 0 0 49,110
ISHARES TR NATIONAL MUN ETF 464288414 1,222 11,146 SH   SOLE 0 0 0 11,146
ISHARES TR EAFE SML CP ETF 464288273 706 10,644 SH   SOLE 0 0 0 10,644
ISHARES TR SELECT DIVID ETF 464287168 394 3,078 SH   SOLE 0 0 0 3,078
ISHARES TR EAFE VALUE ETF 464288877 3,344 66,541 SH   SOLE 0 0 0 66,541
ISHARES TR EAFE GRWTH ETF 464288885 948 9,850 SH   SOLE 0 0 0 9,850
ISHARES TR MSCI EAFE ETF 464287465 1,017 13,818 SH   SOLE 0 0 0 13,818
ISHARES TR CORE S&P MCP ETF 464287507 1,090 4,062 SH   SOLE 0 0 0 4,062
ISHARES TR S&P MC 400VL ETF 464287705 451 4,115 SH   SOLE 0 0 0 4,115
ISHARES TR CORE S&P SCP ETF 464287804 922 8,544 SH   SOLE 0 0 0 8,544
ISHARES TR CORE S&P500 ETF 464287200 3,468 7,645 SH   SOLE 0 0 0 7,645
ISHARES TR RUSSELL 2000 ETF 464287655 1,630 7,939 SH   SOLE 0 0 0 7,939
ISHARES TR RUS 2000 VAL ETF 464287630 253 1,570 SH   SOLE 0 0 0 1,570
ISHARES TR MSCI EMG MKT ETF 464287234 494 10,944 SH   SOLE 0 0 0 10,944
ISHARES U S ETF TR INT RT HDG C B 46431W705 5,772 61,710 SH   SOLE 0 0 0 61,710
ISHARES U S ETF TR INT RT HD LONG 46431W812 1,481 61,420 SH   SOLE 0 0 0 61,420
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 448 8,908 SH   SOLE 0 0 0 8,908
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 7,447 147,062 SH   SOLE 0 0 0 147,062
J P MORGAN EXCHANGE-TRADED F MUNICIPAL ETF 46641Q647 802 15,587 SH   SOLE 0 0 0 15,587
J P MORGAN EXCHANGE-TRADED F SHORT DURA CORE 46641Q274 1,291 27,017 SH   SOLE 0 0 0 27,017
JOHNSON & JOHNSON COM 478160104 903 5,095 SH   SOLE 0 0 0 5,095
JPMORGAN CHASE & CO COM 46625H100 1,210 8,877 SH   SOLE 0 0 0 8,877
KELLOGG CO COM 487836108 284 4,400 SH   SOLE 0 0 0 4,400
LAM RESEARCH CORP COM 512807108 306 569 SH   SOLE 0 0 0 569
LILLY ELI & CO COM 532457108 479 1,672 SH   SOLE 0 0 0 1,672
LOCKHEED MARTIN CORP COM 539830109 368 833 SH   SOLE 0 0 0 833
LOWES COS INC COM 548661107 215 1,063 SH   SOLE 0 0 0 1,063
M & T BK CORP COM 55261F104 313 1,845 SH   SOLE 0 0 0 1,845
MASTERCARD INCORPORATED CL A 57636Q104 277 775 SH   SOLE 0 0 0 775
MERCK & CO INC COM 58933Y105 549 6,690 SH   SOLE 0 0 0 6,690
META PLATFORMS INC CL A 30303M102 538 2,421 SH   SOLE 0 0 0 2,421
MICROSOFT CORP COM 594918104 3,822 12,397 SH   SOLE 0 0 0 12,397
MOODYS CORP COM 615369105 267 790 SH   SOLE 0 0 0 790
NEWMONT CORP COM 651639106 2,050 25,797 SH   SOLE 0 0 0 25,797
NEXTERA ENERGY INC COM 65339F101 317 3,742 SH   SOLE 0 0 0 3,742
NIKE INC CL B 654106103 401 2,981 SH   SOLE 0 0 0 2,981
NOVARTIS AG SPONSORED ADR 66987V109 206 2,348 SH   SOLE 0 0 0 2,348
NVIDIA CORPORATION COM 67066G104 1,732 6,347 SH   SOLE 0 0 0 6,347
OTIS WORLDWIDE CORP COM 68902V107 326 4,239 SH   SOLE 0 0 0 4,239
PARAMOUNT GLOBAL CLASS B COM 92556H206 372 9,827 SH   SOLE 0 0 0 9,827
PATTERSON COS INC COM 703395103 207 6,388 SH   SOLE 0 0 0 6,388
PEPSICO INC COM 713448108 271 1,617 SH   SOLE 0 0 0 1,617
PFIZER INC COM 717081103 1,009 19,499 SH   SOLE 0 0 0 19,499
PGIM ETF TR ULTRA SHORT 69344A107 1,426 28,978 SH   SOLE 0 0 0 28,978
PNC FINL SVCS GROUP INC COM 693475105 280 1,517 SH   SOLE 0 0 0 1,517
PROCTER AND GAMBLE CO COM 742718109 557 3,648 SH   SOLE 0 0 0 3,648
QUALCOMM INC COM 747525103 893 5,841 SH   SOLE 0 0 0 5,841
REGENERON PHARMACEUTICALS COM 75886F107 212 304 SH   SOLE 0 0 0 304
S&P GLOBAL INC COM 78409V104 257 626 SH   SOLE 0 0 0 626
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,168 41,761 SH   SOLE 0 0 0 41,761
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,677 103,939 SH   SOLE 0 0 0 103,939
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,795 52,273 SH   SOLE 0 0 0 52,273
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 270 9,320 SH   SOLE 0 0 0 9,320
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,451 107,045 SH   SOLE 0 0 0 107,045
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 440 7,526 SH   SOLE 0 0 0 7,526
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,209 28,002 SH   SOLE 0 0 0 28,002
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 867 23,603 SH   SOLE 0 0 0 23,603
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 356 6,604 SH   SOLE 0 0 0 6,604
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,096 65,367 SH   SOLE 0 0 0 65,367
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 665 8,888 SH   SOLE 0 0 0 8,888
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,450 90,865 SH   SOLE 0 0 0 90,865
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 434 15,620 SH   SOLE 0 0 0 15,620
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 563 14,697 SH   SOLE 0 0 0 14,697
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 233 1,704 SH   SOLE 0 0 0 1,704
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 863 11,589 SH   SOLE 0 0 0 11,589
SIRIUS XM HOLDINGS INC COM 82968B103 329 49,666 SH   SOLE 0 0 0 49,666
SORRENTO THERAPEUTICS INC COM NEW 83587F202 203 87,010 SH   SOLE 0 0 0 87,010
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,640 14,701 SH   SOLE 0 0 0 14,701
SPDR SER TR S&P 600 SMCP VAL 78464A300 5,743 68,917 SH   SOLE 0 0 0 68,917
SPDR SER TR BLOOMBERG EMERGI 78464A391 2,431 106,944 SH   SOLE 0 0 0 106,944
SPDR SER TR S&P DIVID ETF 78464A763 775 6,048 SH   SOLE 0 0 0 6,048
TEXAS INSTRS INC COM 882508104 213 1,159 SH   SOLE 0 0 0 1,159
TEXAS PACIFIC LAND CORPORATI COM 88262P102 2,518 1,862 SH   SOLE 0 0 0 1,862
TRANE TECHNOLOGIES PLC SHS G8994E103 209 1,367 SH   SOLE 0 0 0 1,367
TRISTATE CAP HLDGS INC COM 89678F100 353 10,622 SH   SOLE 0 0 0 10,622
TRUIST FINL CORP COM 89832Q109 484 8,544 SH   SOLE 0 0 0 8,544
UNITED RENTALS INC COM 911363109 708 1,992 SH   SOLE 0 0 0 1,992
UNITEDHEALTH GROUP INC COM 91324P102 1,064 2,087 SH   SOLE 0 0 0 2,087
V F CORP COM 918204108 232 4,087 SH   SOLE 0 0 0 4,087
VALERO ENERGY CORP COM 91913Y100 537 5,290 SH   SOLE 0 0 0 5,290
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 4,310 159,673 SH   SOLE 0 0 0 159,673
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 418 2,299 SH   SOLE 0 0 0 2,299
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,818 11,606 SH   SOLE 0 0 0 11,606
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 609 2,735 SH   SOLE 0 0 0 2,735
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 827 5,525 SH   SOLE 0 0 0 5,525
VANGUARD INDEX FDS VALUE ETF 922908744 8,857 59,936 SH   SOLE 0 0 0 59,936
VANGUARD INDEX FDS MID CAP ETF 922908629 868 3,649 SH   SOLE 0 0 0 3,649
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,926 62,100 SH   SOLE 0 0 0 62,100
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,203 10,365 SH   SOLE 0 0 0 10,365
VANGUARD INDEX FDS GROWTH ETF 922908736 1,859 6,463 SH   SOLE 0 0 0 6,463
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,697 27,250 SH   SOLE 0 0 0 27,250
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,309 17,680 SH   SOLE 0 0 0 17,680
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,946 63,856 SH   SOLE 0 0 0 63,856
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 657 12,737 SH   SOLE 0 0 0 12,737
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,566 9,655 SH   SOLE 0 0 0 9,655
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,077 43,238 SH   SOLE 0 0 0 43,238
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,461 21,927 SH   SOLE 0 0 0 21,927
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,169 32,069 SH   SOLE 0 0 0 32,069
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,381 42,772 SH   SOLE 0 0 0 42,772
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,083 4,600 SH   SOLE 0 0 0 4,600
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,152 4,529 SH   SOLE 0 0 0 4,529
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,136 3,721 SH   SOLE 0 0 0 3,721
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,191 6,126 SH   SOLE 0 0 0 6,126
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,752 4,207 SH   SOLE 0 0 0 4,207
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 835 6,955 SH   SOLE 0 0 0 6,955
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 563 6,030 SH   SOLE 0 0 0 6,030
VANGUARD WORLD FDS UTILITIES ETF 92204A876 251 1,550 SH   SOLE 0 0 0 1,550
VANGUARD WORLD FDS MATERIALS ETF 92204A801 920 4,740 SH   SOLE 0 0 0 4,740
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 431 2,200 SH   SOLE 0 0 0 2,200
VERIZON COMMUNICATIONS INC COM 92343V104 286 5,622 SH   SOLE 0 0 0 5,622
VISA INC COM CL A 92826C839 754 3,399 SH   SOLE 0 0 0 3,399
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 463 27,855 SH   SOLE 0 0 0 27,855
WALMART INC COM 931142103 851 5,717 SH   SOLE 0 0 0 5,717
WISDOMTREE TR EM LCL DEBT FD 97717X867 512 18,300 SH   SOLE 0 0 0 18,300
WISDOMTREE TR INTL SMCAP DIV 97717W760 2,453 35,742 SH   SOLE 0 0 0 35,742
YORK WTR CO COM 987184108 576 12,813 SH   SOLE 0 0 0 12,813
ZOETIS INC CL A 98978V103 220 1,169 SH   SOLE 0 0 0 1,169