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 246 1,387 SH   SOLE   0 0 1,387
AIR PRODS & CHEMS INC COM 009158106 372 1,221 SH   SOLE   0 0 1,221
AMAZON COM INC COM 023135106 200 60 SH   SOLE   0 0 60
APPLE INC COM 037833100 1,141 6,427 SH   SOLE   0 0 6,427
ARK ETF TR INNOVATION ETF 00214Q104 1,221 23,610 SH   SOLE   0 0 23,610
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 293 980 SH   SOLE   0 0 980
CODORUS VY BANCORP INC COM 192025104 543 25,229 SH   SOLE   0 0 25,229
COLGATE PALMOLIVE CO COM 194162103 309 3,620 SH   SOLE   0 0 3,620
COSTCO WHSL CORP NEW COM 22160K105 290 511 SH   SOLE   0 0 511
FIFTH THIRD BANCORP COM 316773100 266 6,100 SH   SOLE   0 0 6,100
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,363 29,554 SH   SOLE   0 0 29,554
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 320 8,044 SH   SOLE   0 0 8,044
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 223 2,767 SH   SOLE   0 0 2,767
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 12,988 75,643 SH   SOLE   0 0 75,643
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,518 7,200 SH   SOLE   0 0 7,200
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 5,369 55,866 SH   SOLE   0 0 55,866
ISHARES INC CORE MSCI EMKT 46434G103 5,140 85,872 SH   SOLE   0 0 85,872
ISHARES TR CORE DIV GRWTH 46434V621 20,500 368,840 SH   SOLE   0 0 368,840
ISHARES TR CORE MSCI EAFE 46432F842 7,347 98,436 SH   SOLE   0 0 98,436
ISHARES TR CORE S&P SCP ETF 464287804 257 2,244 SH   SOLE   0 0 2,244
ISHARES TR CORE S&P TTL STK 464287150 233 2,174 SH   SOLE   0 0 2,174
ISHARES TR CORE S&P500 ETF 464287200 1,278 2,679 SH   SOLE   0 0 2,679
ISHARES TR CRE U S REIT ETF 464288521 4,866 71,991 SH   SOLE   0 0 71,991
ISHARES TR MORNINGSTAR GRWT 464287119 3,807 53,010 SH   SOLE   0 0 53,010
ISHARES TR MRGSTR MD CP GRW 464288307 5,461 74,563 SH   SOLE   0 0 74,563
ISHARES TR MRGSTR MD CP VAL 464288406 4,963 72,691 SH   SOLE   0 0 72,691
ISHARES TR MRGSTR SM CP GR 464288604 857 17,256 SH   SOLE   0 0 17,256
ISHARES TR MRNING SM CP ETF 464288703 2,061 34,672 SH   SOLE   0 0 34,672
ISHARES TR MSCI EAFE MIN VL 46429B689 557 7,260 SH   SOLE   0 0 7,260
ISHARES TR RUS 1000 GRW ETF 464287614 44,038 144,109 SH   SOLE   0 0 144,109
ISHARES TR RUS 1000 VAL ETF 464287598 208 1,241 SH   SOLE   0 0 1,241
ISHARES TR RUS 2000 GRW ETF 464287648 5,187 17,700 SH   SOLE   0 0 17,700
ISHARES TR RUS 2000 VAL ETF 464287630 839 5,051 SH   SOLE   0 0 5,051
ISHARES TR RUS MD CP GR ETF 464287481 44,786 388,699 SH   SOLE   0 0 388,699
ISHARES TR RUS MDCP VAL ETF 464287473 17,916 146,396 SH   SOLE   0 0 146,396
ISHARES TR RUS MID CAP ETF 464287499 428 5,154 SH   SOLE   0 0 5,154
ISHARES TR S&P 500 GRWT ETF 464287309 15,953 190,664 SH   SOLE   0 0 190,664
ISHARES TR S&P 500 VAL ETF 464287408 4,803 30,667 SH   SOLE   0 0 30,667
ISHARES TR S&P MC 400GR ETF 464287606 4,604 54,001 SH   SOLE   0 0 54,001
ISHARES TR S&P MC 400VL ETF 464287705 509 4,599 SH   SOLE   0 0 4,599
ISHARES TR S&P SML 600 GWT 464287887 7,817 56,315 SH   SOLE   0 0 56,315
ISHARES TR SP SMCP600VL ETF 464287879 4,166 39,867 SH   SOLE   0 0 39,867
ISHARES TR U.S. REAL ES ETF 464287739 1,622 13,962 SH   SOLE   0 0 13,962
J & J SNACK FOODS CORP COM 466032109 766 4,847 SH   SOLE   0 0 4,847
JOHNSON & JOHNSON COM 478160104 311 1,818 SH   SOLE   0 0 1,818
LOWES COS INC COM 548661107 5,646 21,844 SH   SOLE   0 0 21,844
MICROSOFT CORP COM 594918104 2,040 6,065 SH   SOLE   0 0 6,065
NVIDIA CORPORATION COM 67066G104 524 1,782 SH   SOLE   0 0 1,782
PARKER-HANNIFIN CORP COM 701094104 990 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109 279 1,704 SH   SOLE   0 0 1,704
PROSHARES TR ULTRAPRO QQQ 74347X831 349 2,101 SH   SOLE   0 0 2,101
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,064 50,280 SH   SOLE   0 0 50,280
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 235 1,434 SH   SOLE   0 0 1,434
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 575 1,583 SH   SOLE   0 0 1,583
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,775 240,534 SH   SOLE   0 0 240,534
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 17,241 415,550 SH   SOLE   0 0 415,550
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 243 470 SH   SOLE   0 0 470
SPDR SER TR PORTFOLIO SHORT 78464A474 42,615 1,376,010 SH   SOLE   0 0 1,376,010
SPDR SER TR PRTFLO S&P500 GW 78464A409 33,167 457,671 SH   SOLE   0 0 457,671
SPDR SER TR PRTFLO S&P500 VL 78464A508 18,993 452,208 SH   SOLE   0 0 452,208
SPDR SER TR RUSSELL YIELD 78468R770 323 3,213 SH   SOLE   0 0 3,213
SPDR SER TR S&P 400 MDCP GRW 78464A821 10,376 127,269 SH   SOLE   0 0 127,269
SPDR SER TR S&P 400 MDCP VAL 78464A839 11,013 154,891 SH   SOLE   0 0 154,891
SPDR SER TR S&P 600 SMCP GRW 78464A201 21,303 229,505 SH   SOLE   0 0 229,505
SPDR SER TR S&P 600 SMCP VAL 78464A300 15,950 188,261 SH   SOLE   0 0 188,261
SPDR SER TR S&P DIVID ETF 78464A763 667 5,167 SH   SOLE   0 0 5,167
THERMO FISHER SCIENTIFIC INC COM 883556102 506 759 SH   SOLE   0 0 759
VALLEY NATL BANCORP COM 919794107 413 30,000 SH   SOLE   0 0 30,000
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 712 2,358 SH   SOLE   0 0 2,358
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,249 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 476 2,820 SH   SOLE   0 0 2,820
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 693 3,840 SH   SOLE   0 0 3,840
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 290 1,587 SH   SOLE   0 0 1,587
VANGUARD INDEX FDS GROWTH ETF 922908736 13,254 41,304 SH   SOLE   0 0 41,304
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,466 6,632 SH   SOLE   0 0 6,632
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 12,474 48,990 SH   SOLE   0 0 48,990
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 40,591 270,011 SH   SOLE   0 0 270,011
VANGUARD INDEX FDS MID CAP ETF 922908629 331 1,300 SH   SOLE   0 0 1,300
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,381 80,863 SH   SOLE   0 0 80,863
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 229 524 SH   SOLE   0 0 524
VANGUARD INDEX FDS SM CP VAL ETF 922908611 43,499 243,216 SH   SOLE   0 0 243,216
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,132 5,010 SH   SOLE   0 0 5,010
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,607 66,030 SH   SOLE   0 0 66,030
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,028 4,258 SH   SOLE   0 0 4,258
VANGUARD INDEX FDS VALUE ETF 922908744 51,413 349,486 SH   SOLE   0 0 349,486
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,833 198,801 SH   SOLE   0 0 198,801
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,278 40,341 SH   SOLE   0 0 40,341
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,478 31,550 SH   SOLE   0 0 31,550
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 287 3,898 SH   SOLE   0 0 3,898
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,623 18,050 SH   SOLE   0 0 18,050
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,167 238,286 SH   SOLE   0 0 238,286
VANGUARD WORLD FD MEGA GRWTH IND 921910816 722 2,770 SH   SOLE   0 0 2,770
WISDOMTREE TR US MIDCAP DIVID 97717W505 299 6,750 SH   SOLE   0 0 6,750