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   340,080 1,200 SH   SOLE   0 0 1,200
APPLE INC COM 037833100   1,098,319 6,415 SH   SOLE   0 0 6,415
ARCH CAP GROUP LTD ORD G0450A105   785,144 9,850 SH   SOLE   0 0 9,850
ARK ETF TR INNOVATION ETF 00214Q104   577,818 12,373 SH   SOLE   0 0 12,373
CODORUS VY BANCORP INC COM 192025104   284,036 15,238 SH   SOLE   0 0 15,238
COLGATE PALMOLIVE CO COM 194162103   214,752 3,020 SH   SOLE   0 0 3,020
COSTCO WHSL CORP NEW COM 22160K105   289,851 513 SH   SOLE   0 0 513
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   1,934,043 24,751 SH   SOLE   0 0 24,751
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   215,308 5,894 SH   SOLE   0 0 5,894
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   911,887 30,245 SH   SOLE   0 0 30,245
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   10,135,410 318,523 SH   SOLE   0 0 318,523
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401   2,851,565 33,473 SH   SOLE   0 0 33,473
ISHARES INC CORE MSCI EMKT 46434G103   3,619,644 76,059 SH   SOLE   0 0 76,059
ISHARES TR CORE S&P500 ETF 464287200   1,275,837 2,971 SH   SOLE   0 0 2,971
ISHARES TR SP SMCP600VL ETF 464287879   4,623,900 51,826 SH   SOLE   0 0 51,826
ISHARES TR RUS 1000 VAL ETF 464287598   257,487 1,696 SH   SOLE   0 0 1,696
ISHARES TR MRGSTR MD CP GRW 464288307   13,105,403 229,396 SH   SOLE   0 0 229,396
ISHARES TR S&P SML 600 GWT 464287887   7,674,651 69,973 SH   SOLE   0 0 69,973
ISHARES TR MRGSTR SM CP GR 464288604   1,246,367 32,156 SH   SOLE   0 0 32,156
ISHARES TR RUS MDCP VAL ETF 464287473   16,481,915 157,964 SH   SOLE   0 0 157,964
ISHARES TR S&P MC 400VL ETF 464287705   680,089 6,738 SH   SOLE   0 0 6,738
ISHARES TR RUS TP200 GR ETF 464289438   348,733 2,267 SH   SOLE   0 0 2,267
ISHARES TR RUS 1000 GRW ETF 464287614   41,108,026 154,547 SH   SOLE   0 0 154,547
ISHARES TR CORE S&P TTL STK 464287150   421,783 4,478 SH   SOLE   0 0 4,478
ISHARES TR RUS MD CP GR ETF 464287481   42,791,883 468,439 SH   SOLE   0 0 468,439
ISHARES TR U.S. REAL ES ETF 464287739   2,928,867 37,482 SH   SOLE   0 0 37,482
ISHARES TR S&P 500 GRWT ETF 464287309   13,382,382 195,592 SH   SOLE   0 0 195,592
ISHARES TR MRGSTR MD CP VAL 464288406   4,691,607 77,432 SH   SOLE   0 0 77,432
ISHARES TR RUS 2000 GRW ETF 464287648   4,094,694 18,268 SH   SOLE   0 0 18,268
ISHARES TR S&P 500 VAL ETF 464287408   5,689,942 36,986 SH   SOLE   0 0 36,986
ISHARES TR MRNING SM CP ETF 464288703   1,619,870 31,284 SH   SOLE   0 0 31,284
ISHARES TR MORNINGSTAR GRWT 464287119   1,399,329 23,459 SH   SOLE   0 0 23,459
ISHARES TR S&P MC 400GR ETF 464287606   5,144,699 71,217 SH   SOLE   0 0 71,217
ISHARES TR RUS 2000 VAL ETF 464287630   625,834 4,617 SH   SOLE   0 0 4,617
ISHARES TR CRE U S REIT ETF 464288521   8,333,294 176,628 SH   SOLE   0 0 176,628
ISHARES TR CORE DIV GRWTH 46434V621   2,527,848 51,037 SH   SOLE   0 0 51,037
ISHARES TR CORE MSCI EAFE 46432F842   5,838,943 90,737 SH   SOLE   0 0 90,737
J & J SNACK FOODS CORP COM 466032109   556,901 3,403 SH   SOLE   0 0 3,403
LOWES COS INC COM 548661107   3,731,975 17,956 SH   SOLE   0 0 17,956
MICROSOFT CORP COM 594918104   1,440,316 4,562 SH   SOLE   0 0 4,562
NVIDIA CORPORATION COM 67066G104   651,414 1,498 SH   SOLE   0 0 1,498
PARKER-HANNIFIN CORP COM 701094104   1,211,797 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109   249,918 1,713 SH   SOLE   0 0 1,713
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   221,287 3,043 SH   SOLE   0 0 3,043
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,071,511 71,672 SH   SOLE   0 0 71,672
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   250,543 748 SH   SOLE   0 0 748
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   13,675,366 407,369 SH   SOLE   0 0 407,369
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,317,413 300,465 SH   SOLE   0 0 300,465
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   214,621 470 SH   SOLE   0 0 470
SPDR SER TR PRTFLO S&P500 VL 78464A508   19,894,154 482,166 SH   SOLE   0 0 482,166
SPDR SER TR S&P 400 MDCP VAL 78464A839   12,288,234 189,458 SH   SOLE   0 0 189,458
SPDR SER TR PORTFOLIO SHORT 78464A474   40,760,725 1,390,202 SH   SOLE   0 0 1,390,202
SPDR SER TR S&P DIVID ETF 78464A763   506,849 4,407 SH   SOLE   0 0 4,407
SPDR SER TR S&P 600 SMCP GRW 78464A201   28,198,050 384,851 SH   SOLE   0 0 384,851
SPDR SER TR S&P 400 MDCP GRW 78464A821   12,644,476 182,882 SH   SOLE   0 0 182,882
SPDR SER TR RUSSELL YIELD 78468R770   287,055 3,140 SH   SOLE   0 0 3,140
SPDR SER TR PRTFLO S&P500 GW 78464A409   34,383,961 580,026 SH   SOLE   0 0 580,026
SPDR SER TR S&P 600 SMCP VAL 78464A300   19,703,641 272,263 SH   SOLE   0 0 272,263
THERMO FISHER SCIENTIFIC INC COM 883556102   285,480 564 SH   SOLE   0 0 564
VALLEY NATL BANCORP COM 919794107   214,000 25,000 SH   SOLE   0 0 25,000
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   477,733 6,200 SH   SOLE   0 0 6,200
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   394,687 4,185 SH   SOLE   0 0 4,185
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   610,682 2,474 SH   SOLE   0 0 2,474
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   297,353 3,293 SH   SOLE   0 0 3,293
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   397,830 5,106 SH   SOLE   0 0 5,106
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,281,708 8,620 SH   SOLE   0 0 8,620
VANGUARD INDEX FDS SM CP VAL ETF 922908611   45,427,724 284,831 SH   SOLE   0 0 284,831
VANGUARD INDEX FDS SMALL CP ETF 922908751   922,534 4,879 SH   SOLE   0 0 4,879
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,414,290 177,297 SH   SOLE   0 0 177,297
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   17,538,624 90,048 SH   SOLE   0 0 90,048
VANGUARD INDEX FDS VALUE ETF 922908744   57,420,869 416,304 SH   SOLE   0 0 416,304
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   340,265 2,374 SH   SOLE   0 0 2,374
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   40,210,446 307,044 SH   SOLE   0 0 307,044
VANGUARD INDEX FDS GROWTH ETF 922908736   11,086,104 40,711 SH   SOLE   0 0 40,711
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   258,397 658 SH   SOLE   0 0 658
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,062,597 5,430 SH   SOLE   0 0 5,430
VANGUARD INDEX FDS SML CP GRW ETF 922908595   24,704,667 115,345 SH   SOLE   0 0 115,345
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,092,966 5,146 SH   SOLE   0 0 5,146
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,918,309 176,442 SH   SOLE   0 0 176,442
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   2,016,040 16,886 SH   SOLE   0 0 16,886
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,609,838 61,342 SH   SOLE   0 0 61,342
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   3,576,606 52,259 SH   SOLE   0 0 52,259
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   264,840 3,973 SH   SOLE   0 0 3,973
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,600,602 265,339 SH   SOLE   0 0 265,339
VANGUARD WORLD FD MEGA GRWTH IND 921910816   505,760 2,229 SH   SOLE   0 0 2,229