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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIR PRODS & CHEMS INC COM 009158106   359,436 1,200 SH   SOLE   0 0 1,200
AMAZON COM INC COM 023135106   210,531 1,615 SH   SOLE   0 0 1,615
APPLE INC COM 037833100   1,270,418 6,550 SH   SOLE   0 0 6,550
ARK ETF TR INNOVATION ETF 00214Q104   715,586 14,774 SH   SOLE   0 0 14,774
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   228,470 670 SH   SOLE   0 0 670
CODORUS VY BANCORP INC COM 192025104   332,154 16,938 SH   SOLE   0 0 16,938
COLGATE PALMOLIVE CO COM 194162103   232,661 3,020 SH   SOLE   0 0 3,020
COSTCO WHSL CORP NEW COM 22160K105   275,137 511 SH   SOLE   0 0 511
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   1,984,880 24,811 SH   SOLE   0 0 24,811
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   942,058 6,175 SH   SOLE   0 0 6,175
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401   2,999,007 33,603 SH   SOLE   0 0 33,603
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   10,666,323 65,178 SH   SOLE   0 0 65,178
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   225,328 5,894 SH   SOLE   0 0 5,894
ISHARES INC CORE MSCI EMKT 46434G103   3,882,668 78,772 SH   SOLE   0 0 78,772
ISHARES TR MRGSTR MD CP GRW 464288307   14,223,394 233,400 SH   SOLE   0 0 233,400
ISHARES TR SP SMCP600VL ETF 464287879   4,854,518 51,052 SH   SOLE   0 0 51,052
ISHARES TR RUS 2000 GRW ETF 464287648   4,485,000 18,483 SH   SOLE   0 0 18,483
ISHARES TR MRGSTR MD CP VAL 464288406   4,644,497 72,912 SH   SOLE   0 0 72,912
ISHARES TR S&P 500 GRWT ETF 464287309   14,666,089 208,089 SH   SOLE   0 0 208,089
ISHARES TR MRGSTR SM CP GR 464288604   1,270,293 30,676 SH   SOLE   0 0 30,676
ISHARES TR RUS TP200 GR ETF 464289438   405,755 2,559 SH   SOLE   0 0 2,559
ISHARES TR CORE S&P500 ETF 464287200   1,610,796 3,614 SH   SOLE   0 0 3,614
ISHARES TR RUS MDCP VAL ETF 464287473   17,338,742 157,855 SH   SOLE   0 0 157,855
ISHARES TR S&P MC 400GR ETF 464287606   5,323,932 70,986 SH   SOLE   0 0 70,986
ISHARES TR MRNING SM CP ETF 464288703   1,716,269 31,771 SH   SOLE   0 0 31,771
ISHARES TR U.S. REAL ES ETF 464287739   3,205,727 37,043 SH   SOLE   0 0 37,043
ISHARES TR CRE U S REIT ETF 464288521   7,990,023 155,418 SH   SOLE   0 0 155,418
ISHARES TR RUS 2000 VAL ETF 464287630   631,770 4,487 SH   SOLE   0 0 4,487
ISHARES TR S&P MC 400VL ETF 464287705   721,866 6,738 SH   SOLE   0 0 6,738
ISHARES TR S&P SML 600 GWT 464287887   8,059,594 70,126 SH   SOLE   0 0 70,126
ISHARES TR MORNINGSTAR GRWT 464287119   1,539,770 24,699 SH   SOLE   0 0 24,699
ISHARES TR RUS 1000 GRW ETF 464287614   44,759,611 162,656 SH   SOLE   0 0 162,656
ISHARES TR CORE S&P TTL STK 464287150   438,128 4,478 SH   SOLE   0 0 4,478
ISHARES TR RUS MD CP GR ETF 464287481   45,638,135 472,298 SH   SOLE   0 0 472,298
ISHARES TR S&P 500 VAL ETF 464287408   5,642,311 35,004 SH   SOLE   0 0 35,004
ISHARES TR CORE MSCI EAFE 46432F842   6,165,535 91,341 SH   SOLE   0 0 91,341
ISHARES TR CORE DIV GRWTH 46434V621   16,069,920 311,856 SH   SOLE   0 0 311,856
J & J SNACK FOODS CORP COM 466032109   538,899 3,403 SH   SOLE   0 0 3,403
LOWES COS INC COM 548661107   4,092,844 18,134 SH   SOLE   0 0 18,134
MICROSOFT CORP COM 594918104   1,534,831 4,507 SH   SOLE   0 0 4,507
NVIDIA CORPORATION COM 67066G104   728,663 1,723 SH   SOLE   0 0 1,723
PARKER-HANNIFIN CORP COM 701094104   1,213,414 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109   259,787 1,712 SH   SOLE   0 0 1,712
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   228,073 3,043 SH   SOLE   0 0 3,043
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,188,989 71,454 SH   SOLE   0 0 71,454
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   360,355 1,048 SH   SOLE   0 0 1,048
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,606,647 295,226 SH   SOLE   0 0 295,226
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   13,904,601 404,439 SH   SOLE   0 0 404,439
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   225,088 470 SH   SOLE   0 0 470
SPDR SER TR S&P 400 MDCP GRW 78464A821   13,134,321 183,312 SH   SOLE   0 0 183,312
SPDR SER TR PORTFOLIO SHORT 78464A474   40,579,260 1,378,372 SH   SOLE   0 0 1,378,372
SPDR SER TR PRTFLO S&P500 VL 78464A508   19,509,350 451,605 SH   SOLE   0 0 451,605
SPDR SER TR S&P 600 SMCP GRW 78464A201   29,444,526 382,595 SH   SOLE   0 0 382,595
SPDR SER TR S&P DIVID ETF 78464A763   540,210 4,407 SH   SOLE   0 0 4,407
SPDR SER TR S&P 400 MDCP VAL 78464A839   13,031,537 189,467 SH   SOLE   0 0 189,467
SPDR SER TR S&P 600 SMCP VAL 78464A300   20,399,000 264,270 SH   SOLE   0 0 264,270
SPDR SER TR RUSSELL YIELD 78468R770   299,211 3,140 SH   SOLE   0 0 3,140
SPDR SER TR PRTFLO S&P500 GW 78464A409   39,499,552 647,427 SH   SOLE   0 0 647,427
VALLEY NATL BANCORP COM 919794107   193,750 25,000 SH   SOLE   0 0 25,000
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   258,053 2,760 SH   SOLE   0 0 2,760
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   294,882 2,975 SH   SOLE   0 0 2,975
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,284,525 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   509,106 6,200 SH   SOLE   0 0 6,200
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   645,135 2,539 SH   SOLE   0 0 2,539
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   420,322 5,106 SH   SOLE   0 0 5,106
VANGUARD INDEX FDS SML CP GRW ETF 922908595   26,668,726 116,082 SH   SOLE   0 0 116,082
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,100,770 5,430 SH   SOLE   0 0 5,430
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   247,219 607 SH   SOLE   0 0 607
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,112,453 5,050 SH   SOLE   0 0 5,050
VANGUARD INDEX FDS SM CP VAL ETF 922908611   47,092,952 284,722 SH   SOLE   0 0 284,722
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   19,005,920 92,365 SH   SOLE   0 0 92,365
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   233,663 1,570 SH   SOLE   0 0 1,570
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   40,227,096 290,700 SH   SOLE   0 0 290,700
VANGUARD INDEX FDS GROWTH ETF 922908736   9,572,839 33,831 SH   SOLE   0 0 33,831
VANGUARD INDEX FDS SMALL CP ETF 922908751   970,385 4,879 SH   SOLE   0 0 4,879
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,296,030 171,087 SH   SOLE   0 0 171,087
VANGUARD INDEX FDS VALUE ETF 922908744   50,010,883 351,941 SH   SOLE   0 0 351,941
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,214,175 177,340 SH   SOLE   0 0 177,340
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   3,738,817 52,838 SH   SOLE   0 0 52,838
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,225,772 29,418 SH   SOLE   0 0 29,418
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   217,181 3,138 SH   SOLE   0 0 3,138
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   2,099,722 16,981 SH   SOLE   0 0 16,981
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,198,062 264,142 SH   SOLE   0 0 264,142
VANGUARD WORLD FD MEGA GRWTH IND 921910816   533,941 2,269 SH   SOLE   0 0 2,269