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
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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
APPLE INC COM 037833100   1,258,307 6,536 SH   SOLE   0 0 6,536
ARCH CAP GROUP LTD ORD G0450A105   790,381 10,642 SH   SOLE   0 0 10,642
ARK ETF TR INNOVATION ETF 00214Q104   625,959 12,372 SH   SOLE   0 0 12,372
AT&T INC COM 00206R102   168,078 10,017 SH   SOLE   0 0 10,017
CODORUS VY BANCORP INC COM 192025104   391,617 15,238 SH   SOLE   0 0 15,238
COLGATE PALMOLIVE CO COM 194162103   240,724 3,020 SH   SOLE   0 0 3,020
COSTCO WHSL CORP NEW COM 22160K105   338,652 513 SH   SOLE   0 0 513
FIFTH THIRD BANCORP COM 316773100   206,940 6,000 SH   SOLE   0 0 6,000
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   2,069,836 24,254 SH   SOLE   0 0 24,254
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   929,088 28,800 SH   SOLE   0 0 28,800
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   235,112 5,894 SH   SOLE   0 0 5,894
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   11,132,582 316,267 SH   SOLE   0 0 316,267
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401   3,122,918 33,289 SH   SOLE   0 0 33,289
ISHARES INC CORE MSCI EMKT 46434G103   3,245,136 64,158 SH   SOLE   0 0 64,158
ISHARES TR CRE U S REIT ETF 464288521   10,354,864 190,732 SH   SOLE   0 0 190,732
ISHARES TR RUS 1000 VAL ETF 464287598   601,675 3,641 SH   SOLE   0 0 3,641
ISHARES TR MRGSTR MD CP GRW 464288307   14,334,565 222,414 SH   SOLE   0 0 222,414
ISHARES TR S&P 500 VAL ETF 464287408   7,868,192 45,248 SH   SOLE   0 0 45,248
ISHARES TR RUS 2000 GRW ETF 464287648   4,871,258 19,314 SH   SOLE   0 0 19,314
ISHARES TR S&P SML 600 GWT 464287887   9,122,920 72,902 SH   SOLE   0 0 72,902
ISHARES TR RUS MDCP VAL ETF 464287473   17,629,864 151,603 SH   SOLE   0 0 151,603
ISHARES TR S&P 500 GRWT ETF 464287309   14,313,060 190,587 SH   SOLE   0 0 190,587
ISHARES TR MRNING SM CP ETF 464288703   1,866,240 31,519 SH   SOLE   0 0 31,519
ISHARES TR CORE S&P TTL STK 464287150   470,378 4,470 SH   SOLE   0 0 4,470
ISHARES TR SP SMCP600VL ETF 464287879   5,496,428 53,327 SH   SOLE   0 0 53,327
ISHARES TR MORNINGSTAR GRWT 464287119   1,590,989 23,459 SH   SOLE   0 0 23,459
ISHARES TR RUS 1000 GRW ETF 464287614   45,434,473 149,865 SH   SOLE   0 0 149,865
ISHARES TR U.S. REAL ES ETF 464287739   3,596,654 39,346 SH   SOLE   0 0 39,346
ISHARES TR RUS MID CAP ETF 464287499   201,398 2,591 SH   SOLE   0 0 2,591
ISHARES TR MRGSTR MD CP VAL 464288406   5,633,291 83,185 SH   SOLE   0 0 83,185
ISHARES TR RUS 2000 VAL ETF 464287630   946,115 6,091 SH   SOLE   0 0 6,091
ISHARES TR RUS MD CP GR ETF 464287481   48,619,897 465,440 SH   SOLE   0 0 465,440
ISHARES TR MRGSTR SM CP GR 464288604   1,436,424 32,646 SH   SOLE   0 0 32,646
ISHARES TR RUS TP200 GR ETF 464289438   449,790 2,567 SH   SOLE   0 0 2,567
ISHARES TR CORE S&P500 ETF 464287200   1,341,663 2,809 SH   SOLE   0 0 2,809
ISHARES TR S&P MC 400GR ETF 464287606   5,715,855 72,152 SH   SOLE   0 0 72,152
ISHARES TR S&P MC 400VL ETF 464287705   1,186,954 10,408 SH   SOLE   0 0 10,408
ISHARES TR CORE DIV GRWTH 46434V621   2,385,573 44,325 SH   SOLE   0 0 44,325
ISHARES TR CORE MSCI EAFE 46432F842   6,425,649 91,338 SH   SOLE   0 0 91,338
J & J SNACK FOODS CORP COM 466032109   568,777 3,403 SH   SOLE   0 0 3,403
LOWES COS INC COM 548661107   3,964,283 17,813 SH   SOLE   0 0 17,813
MICROSOFT CORP COM 594918104   1,644,675 4,374 SH   SOLE   0 0 4,374
NVIDIA CORPORATION COM 67066G104   733,196 1,481 SH   SOLE   0 0 1,481
PARKER-HANNIFIN CORP COM 701094104   1,433,238 3,111 SH   SOLE   0 0 3,111
PROSHARES TR ULTRAPRO QQQ 74347X831   213,041 4,202 SH   SOLE   0 0 4,202
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   228,804 2,758 SH   SOLE   0 0 2,758
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   281,899 748 SH   SOLE   0 0 748
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   10,368,021 304,852 SH   SOLE   0 0 304,852
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   384,712 11,830 SH   SOLE   0 0 11,830
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   11,438,645 323,034 SH   SOLE   0 0 323,034
SPDR SER TR S&P 400 MDCP GRW 78464A821   14,587,785 192,782 SH   SOLE   0 0 192,782
SPDR SER TR RUSSELL YIELD 78468R770   326,131 3,238 SH   SOLE   0 0 3,238
SPDR SER TR PRTFLO S&P500 GW 78464A409   36,718,275 564,376 SH   SOLE   0 0 564,376
SPDR SER TR S&P 400 MDCP VAL 78464A839   14,916,055 203,271 SH   SOLE   0 0 203,271
SPDR SER TR PRTFLO S&P500 VL 78464A508   23,272,671 499,092 SH   SOLE   0 0 499,092
SPDR SER TR S&P 600 SMCP GRW 78464A201   33,552,417 401,201 SH   SOLE   0 0 401,201
SPDR SER TR S&P 600 SMCP VAL 78464A300   24,063,549 288,843 SH   SOLE   0 0 288,843
SPDR SER TR S&P DIVID ETF 78464A763   550,743 4,407 SH   SOLE   0 0 4,407
SPDR SER TR PORTFOLIO SHORT 78464A474   41,129,974 1,381,127 SH   SOLE   0 0 1,381,127
THERMO FISHER SCIENTIFIC INC COM 883556102   263,272 496 SH   SOLE   0 0 496
VALLEY NATL BANCORP COM 919794107   271,500 25,000 SH   SOLE   0 0 25,000
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   548,726 6,200 SH   SOLE   0 0 6,200
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   262,274 2,670 SH   SOLE   0 0 2,670
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   445,141 5,106 SH   SOLE   0 0 5,106
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   219,504 2,040 SH   SOLE   0 0 2,040
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   548,350 2,025 SH   SOLE   0 0 2,025
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   596,258 3,550 SH   SOLE   0 0 3,550
VANGUARD INDEX FDS GROWTH ETF 922908736   12,338,805 39,690 SH   SOLE   0 0 39,690
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   291,782 668 SH   SOLE   0 0 668
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   46,587,936 321,274 SH   SOLE   0 0 321,274
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   15,902,635 179,975 SH   SOLE   0 0 179,975
VANGUARD INDEX FDS VALUE ETF 922908744   63,073,828 421,899 SH   SOLE   0 0 421,899
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,264,668 5,331 SH   SOLE   0 0 5,331
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   390,333 2,374 SH   SOLE   0 0 2,374
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,184,555 5,430 SH   SOLE   0 0 5,430
VANGUARD INDEX FDS SML CP GRW ETF 922908595   29,099,339 120,360 SH   SOLE   0 0 120,360
VANGUARD INDEX FDS SMALL CP ETF 922908751   849,852 3,984 SH   SOLE   0 0 3,984
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   20,627,037 93,943 SH   SOLE   0 0 93,943
VANGUARD INDEX FDS SM CP VAL ETF 922908611   53,304,817 296,187 SH   SOLE   0 0 296,187
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,800,466 141,131 SH   SOLE   0 0 141,131
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   3,983,545 51,058 SH   SOLE   0 0 51,058
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   399,913 5,513 SH   SOLE   0 0 5,513
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,375,003 82,396 SH   SOLE   0 0 82,396
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   2,437,431 17,846 SH   SOLE   0 0 17,846
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,565,629 262,330 SH   SOLE   0 0 262,330
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   205,176 1,838 SH   SOLE   0 0 1,838
VANGUARD WORLD FD MEGA GRWTH IND 921910816   556,389 2,144 SH   SOLE   0 0 2,144