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
AIR PRODS & CHEMS INC COM 009158106 343 1,256 SH   SOLE   0 0 1,256
AMAZON COM INC COM 023135106 573 176 SH   SOLE   0 0 176
APPLE INC COM 037833100 1,002 7,550 SH   SOLE   0 0 7,550
AT&T INC COM 00206R102 200 6,946 SH   SOLE   0 0 6,946
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 300 1,293 SH   SOLE   0 0 1,293
CODORUS VY BANCORP INC COM 192025104 389 22,929 SH   SOLE   0 0 22,929
COLGATE PALMOLIVE CO COM 194162103 325 3,800 SH   SOLE   0 0 3,800
COSTCO WHSL CORP NEW COM 22160K105 231 612 SH   SOLE   0 0 612
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,308 37,065 SH   SOLE   0 0 37,065
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 278 8,467 SH   SOLE   0 0 8,467
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 218 3,220 SH   SOLE   0 0 3,220
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 10,919 81,976 SH   SOLE   0 0 81,976
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,258 7,720 SH   SOLE   0 0 7,720
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 5,555 72,976 SH   SOLE   0 0 72,976
ISHARES INC CORE MSCI EMKT 46434G103 4,836 77,946 SH   SOLE   0 0 77,946
ISHARES TR CORE DIV GRWTH 46434V621 15,289 341,127 SH   SOLE   0 0 341,127
ISHARES TR CORE MSCI EAFE 46432F842 7,208 104,330 SH   SOLE   0 0 104,330
ISHARES TR CORE S&P500 ETF 464287200 804 2,141 SH   SOLE   0 0 2,141
ISHARES TR CRE U S REIT ETF 464288521 3,483 71,946 SH   SOLE   0 0 71,946
ISHARES TR MRGSTR MD CP GRW 464288307 3,197 8,358 SH   SOLE   0 0 8,358
ISHARES TR MRGSTR MD CP VAL 464288406 4,481 28,648 SH   SOLE   0 0 28,648
ISHARES TR MRGSTR SM CP GR 464288604 695 2,289 SH   SOLE   0 0 2,289
ISHARES TR MRNGSTR LG-CP GR 464287119 3,553 12,257 SH   SOLE   0 0 12,257
ISHARES TR MRNING SM CP ETF 464288703 1,939 13,762 SH   SOLE   0 0 13,762
ISHARES TR MSCI EAFE MIN VL 46429B689 560 7,626 SH   SOLE   0 0 7,626
ISHARES TR RUS 1000 GRW ETF 464287614 34,700 143,898 SH   SOLE   0 0 143,898
ISHARES TR RUS 2000 GRW ETF 464287648 4,776 16,659 SH   SOLE   0 0 16,659
ISHARES TR RUS 2000 VAL ETF 464287630 399 3,029 SH   SOLE   0 0 3,029
ISHARES TR RUS MD CP GR ETF 464287481 40,443 393,989 SH   SOLE   0 0 393,989
ISHARES TR RUS MDCP VAL ETF 464287473 13,792 142,244 SH   SOLE   0 0 142,244
ISHARES TR RUS MID CAP ETF 464287499 390 5,695 SH   SOLE   0 0 5,695
ISHARES TR S&P 500 GRWT ETF 464287309 12,752 199,819 SH   SOLE   0 0 199,819
ISHARES TR S&P 500 VAL ETF 464287408 3,773 29,469 SH   SOLE   0 0 29,469
ISHARES TR S&P MC 400GR ETF 464287606 4,126 57,130 SH   SOLE   0 0 57,130
ISHARES TR S&P MC 400VL ETF 464287705 445 5,151 SH   SOLE   0 0 5,151
ISHARES TR S&P SML 600 GWT 464287887 7,182 62,901 SH   SOLE   0 0 62,901
ISHARES TR SP SMCP600VL ETF 464287879 4,268 52,495 SH   SOLE   0 0 52,495
ISHARES TR U.S. REAL ES ETF 464287739 1,247 14,556 SH   SOLE   0 0 14,556
J & J SNACK FOODS CORP COM 466032109 1,042 6,706 SH   SOLE   0 0 6,706
JOHNSON & JOHNSON COM 478160104 281 1,788 SH   SOLE   0 0 1,788
LOWES COS INC COM 548661107 1,181 7,357 SH   SOLE   0 0 7,357
MICROSOFT CORP COM 594918104 1,256 5,647 SH   SOLE   0 0 5,647
NVIDIA CORPORATION COM 67066G104 240 460 SH   SOLE   0 0 460
PARKER-HANNIFIN CORP COM 701094104 847 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109 241 1,730 SH   SOLE   0 0 1,730
PROSHARES TR ULTRAPRO QQQ 74347X831 261 1,437 SH   SOLE   0 0 1,437
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,586 24,724 SH   SOLE   0 0 24,724
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 349 2,719 SH   SOLE   0 0 2,719
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 464 1,518 SH   SOLE   0 0 1,518
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,454 220,867 SH   SOLE   0 0 220,867
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,635 370,847 SH   SOLE   0 0 370,847
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 221 527 SH   SOLE   0 0 527
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,206 24,224 SH   SOLE   0 0 24,224
SPDR SER TR PORTFOLIO SHORT 78464A474 36,859 1,173,864 SH   SOLE   0 0 1,173,864
SPDR SER TR PRTFLO S&P500 GW 78464A409 27,004 488,415 SH   SOLE   0 0 488,415
SPDR SER TR PRTFLO S&P500 VL 78464A508 14,985 435,727 SH   SOLE   0 0 435,727
SPDR SER TR RUSSELL YIELD 78468R770 290 3,861 SH   SOLE   0 0 3,861
SPDR SER TR S&P 400 MDCP GRW 78464A821 8,839 127,485 SH   SOLE   0 0 127,485
SPDR SER TR S&P 400 MDCP VAL 78464A839 9,279 167,181 SH   SOLE   0 0 167,181
SPDR SER TR S&P 600 SMCP GRW 78464A201 19,740 258,481 SH   SOLE   0 0 258,481
SPDR SER TR S&P 600 SMCP VAL 78464A300 15,047 227,325 SH   SOLE   0 0 227,325
SPDR SER TR S&P DIVID ETF 78464A763 637 6,014 SH   SOLE   0 0 6,014
VALLEY NATL BANCORP COM 919794107 390 40,000 SH   SOLE   0 0 40,000
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 608 2,643 SH   SOLE   0 0 2,643
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,020 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 406 3,085 SH   SOLE   0 0 3,085
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,035 7,373 SH   SOLE   0 0 7,373
VANGUARD INDEX FDS GROWTH ETF 922908736 8,403 33,168 SH   SOLE   0 0 33,168
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,118 6,360 SH   SOLE   0 0 6,360
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,937 32,711 SH   SOLE   0 0 32,711
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 32,072 269,600 SH   SOLE   0 0 269,600
VANGUARD INDEX FDS MID CAP ETF 922908629 273 1,322 SH   SOLE   0 0 1,322
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,637 78,147 SH   SOLE   0 0 78,147
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 200 583 SH   SOLE   0 0 583
VANGUARD INDEX FDS SM CP VAL ETF 922908611 40,215 282,788 SH   SOLE   0 0 282,788
VANGUARD INDEX FDS SMALL CP ETF 922908751 901 4,630 SH   SOLE   0 0 4,630
VANGUARD INDEX FDS SML CP GRW ETF 922908595 13,518 50,503 SH   SOLE   0 0 50,503
VANGUARD INDEX FDS TOTAL STK MKT 922908769 832 4,274 SH   SOLE   0 0 4,274
VANGUARD INDEX FDS VALUE ETF 922908744 41,199 346,326 SH   SOLE   0 0 346,326
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,013 179,863 SH   SOLE   0 0 179,863
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,481 29,803 SH   SOLE   0 0 29,803
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,611 6,500 SH   SOLE   0 0 6,500
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 234 1,957 SH   SOLE   0 0 1,957
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,083 18,039 SH   SOLE   0 0 18,039
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,414 241,772 SH   SOLE   0 0 241,772
VANGUARD WORLD FD MEGA GRWTH IND 921910816 591 2,900 SH   SOLE   0 0 2,900
WISDOMTREE TR US MIDCAP DIVID 97717W505 272 7,815 SH   SOLE   0 0 7,815