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
APPLE INC COM 037833100   1,067,573 6,225 SH   SOLE   0 0 6,225
ARCH CAP GROUP LTD ORD G0450A105   1,034,958 11,196 SH   SOLE   0 0 11,196
ARK ETF TR INNOVATION ETF 00214Q104   550,358 11,022 SH   SOLE   0 0 11,022
AT&T INC COM 00206R102   178,617 10,148 SH   SOLE   0 0 10,148
AUTOMATIC DATA PROCESSING IN COM 053015103   200,042 801 SH   SOLE   0 0 801
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   208,157 495 SH   SOLE   0 0 495
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   216,245 2,860 SH   SOLE   0 0 2,860
CODORUS VY BANCORP INC COM 192025104   346,817 15,238 SH   SOLE   0 0 15,238
COSTCO WHSL CORP NEW COM 22160K105   375,874 513 SH   SOLE   0 0 513
FIFTH THIRD BANCORP COM 316773100   223,260 6,000 SH   SOLE   0 0 6,000
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   2,459,850 26,244 SH   SOLE   0 0 26,244
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   250,908 5,894 SH   SOLE   0 0 5,894
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401   3,062,906 30,120 SH   SOLE   0 0 30,120
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   827,375 22,532 SH   SOLE   0 0 22,532
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   11,541,212 300,005 SH   SOLE   0 0 300,005
ISHARES INC CORE MSCI EMKT 46434G103   3,279,618 63,558 SH   SOLE   0 0 63,558
ISHARES TR SP SMCP600VL ETF 464287879   5,493,522 53,459 SH   SOLE   0 0 53,459
ISHARES TR RUS 1000 VAL ETF 464287598   683,484 3,816 SH   SOLE   0 0 3,816
ISHARES TR CORE S&P MCP ETF 464287507   209,553 3,450 SH   SOLE   0 0 3,450
ISHARES TR CRE U S REIT ETF 464288521   10,857,597 201,814 SH   SOLE   0 0 201,814
ISHARES TR RUS MDCP VAL ETF 464287473   18,539,121 147,922 SH   SOLE   0 0 147,922
ISHARES TR CORE S&P500 ETF 464287200   1,408,431 2,679 SH   SOLE   0 0 2,679
ISHARES TR S&P SML 600 GWT 464287887   9,248,257 70,743 SH   SOLE   0 0 70,743
ISHARES TR MORNINGSTAR GRWT 464287119   1,667,202 22,088 SH   SOLE   0 0 22,088
ISHARES TR RUS 2000 VAL ETF 464287630   897,118 5,649 SH   SOLE   0 0 5,649
ISHARES TR U.S. REAL ES ETF 464287739   3,481,881 38,730 SH   SOLE   0 0 38,730
ISHARES TR S&P 500 GRWT ETF 464287309   15,155,812 179,486 SH   SOLE   0 0 179,486
ISHARES TR S&P MC 400GR ETF 464287606   6,125,784 67,131 SH   SOLE   0 0 67,131
ISHARES TR MRGSTR MD CP GRW 464288307   14,941,040 211,389 SH   SOLE   0 0 211,389
ISHARES TR RUS TP200 GR ETF 464289438   454,583 2,330 SH   SOLE   0 0 2,330
ISHARES TR S&P 500 VAL ETF 464287408   8,416,183 45,052 SH   SOLE   0 0 45,052
ISHARES TR RUS 2000 GRW ETF 464287648   5,058,699 18,680 SH   SOLE   0 0 18,680
ISHARES TR RUS MD CP GR ETF 464287481   50,101,592 438,948 SH   SOLE   0 0 438,948
ISHARES TR S&P MC 400VL ETF 464287705   1,240,415 10,486 SH   SOLE   0 0 10,486
ISHARES TR RUS 1000 GRW ETF 464287614   47,204,529 140,052 SH   SOLE   0 0 140,052
ISHARES TR CORE S&P TTL STK 464287150   515,391 4,470 SH   SOLE   0 0 4,470
ISHARES TR MRGSTR SM CP GR 464288604   1,523,910 32,723 SH   SOLE   0 0 32,723
ISHARES TR MRGSTR MD CP VAL 464288406   5,930,893 81,749 SH   SOLE   0 0 81,749
ISHARES TR MRNING SM CP ETF 464288703   2,007,972 32,810 SH   SOLE   0 0 32,810
ISHARES TR CORE DIV GRWTH 46434V621   1,954,061 33,655 SH   SOLE   0 0 33,655
ISHARES TR CORE MSCI EAFE 46432F842   6,589,867 88,788 SH   SOLE   0 0 88,788
J & J SNACK FOODS CORP COM 466032109   468,664 3,242 SH   SOLE   0 0 3,242
LOWES COS INC COM 548661107   4,356,138 17,101 SH   SOLE   0 0 17,101
MARTIN MARIETTA MATLS INC COM 573284106   200,758 327 SH   SOLE   0 0 327
MICROSOFT CORP COM 594918104   1,718,082 4,083 SH   SOLE   0 0 4,083
NVIDIA CORPORATION COM 67066G104   987,181 1,092 SH   SOLE   0 0 1,092
PARKER-HANNIFIN CORP COM 701094104   1,729,063 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109   210,785 1,299 SH   SOLE   0 0 1,299
PROSHARES TR ULTRAPRO QQQ 74347X831   258,675 4,202 SH   SOLE   0 0 4,202
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   255,722 2,758 SH   SOLE   0 0 2,758
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   217,972 548 SH   SOLE   0 0 548
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   591,988 17,666 SH   SOLE   0 0 17,666
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   11,130,009 310,547 SH   SOLE   0 0 310,547
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   11,803,597 326,156 SH   SOLE   0 0 326,156
SPDR SER TR RUSSELL YIELD 78468R770   389,863 3,588 SH   SOLE   0 0 3,588
SPDR SER TR PRTFLO S&P500 VL 78464A508   25,111,531 501,228 SH   SOLE   0 0 501,228
SPDR SER TR PORTFOLIO SHORT 78464A474   42,991,204 1,444,111 SH   SOLE   0 0 1,444,111
SPDR SER TR PRTFLO S&P500 GW 78464A409   38,931,083 532,208 SH   SOLE   0 0 532,208
SPDR SER TR S&P 600 SMCP GRW 78464A201   34,991,278 401,138 SH   SOLE   0 0 401,138
SPDR SER TR S&P 600 SMCP VAL 78464A300   24,294,696 292,813 SH   SOLE   0 0 292,813
SPDR SER TR S&P 400 MDCP VAL 78464A839   15,939,460 209,729 SH   SOLE   0 0 209,729
SPDR SER TR S&P 400 MDCP GRW 78464A821   16,992,413 194,666 SH   SOLE   0 0 194,666
SPDR SER TR S&P DIVID ETF 78464A763   512,755 3,907 SH   SOLE   0 0 3,907
THERMO FISHER SCIENTIFIC INC COM 883556102   224,347 386 SH   SOLE   0 0 386
VALLEY NATL BANCORP COM 919794107   175,120 22,000 SH   SOLE   0 0 22,000
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   560,666 1,840 SH   SOLE   0 0 1,840
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   548,230 6,200 SH   SOLE   0 0 6,200
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   297,239 2,620 SH   SOLE   0 0 2,620
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   231,606 2,060 SH   SOLE   0 0 2,060
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   626,231 3,470 SH   SOLE   0 0 3,470
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   413,685 4,556 SH   SOLE   0 0 4,556
VANGUARD INDEX FDS VALUE ETF 922908744   68,027,648 417,706 SH   SOLE   0 0 417,706
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   15,798,779 182,687 SH   SOLE   0 0 182,687
VANGUARD INDEX FDS SM CP VAL ETF 922908611   56,714,304 295,571 SH   SOLE   0 0 295,571
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,927,590 7,416 SH   SOLE   0 0 7,416
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   50,077,453 321,194 SH   SOLE   0 0 321,194
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   303,322 631 SH   SOLE   0 0 631
VANGUARD INDEX FDS SML CP GRW ETF 922908595   31,331,177 120,171 SH   SOLE   0 0 120,171
VANGUARD INDEX FDS GROWTH ETF 922908736   12,744,477 37,026 SH   SOLE   0 0 37,026
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   21,303,832 90,350 SH   SOLE   0 0 90,350
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   416,091 2,374 SH   SOLE   0 0 2,374
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,150,848 4,800 SH   SOLE   0 0 4,800
VANGUARD INDEX FDS SMALL CP ETF 922908751   783,147 3,425 SH   SOLE   0 0 3,425
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,813,168 139,170 SH   SOLE   0 0 139,170
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   457,921 5,823 SH   SOLE   0 0 5,823
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   4,125,145 47,596 SH   SOLE   0 0 47,596
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   2,486,863 17,786 SH   SOLE   0 0 17,786
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,566,783 110,810 SH   SOLE   0 0 110,810
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,290,084 264,901 SH   SOLE   0 0 264,901
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   222,380 1,838 SH   SOLE   0 0 1,838
VANGUARD WORLD FD MEGA GRWTH IND 921910816   578,666 2,019 SH   SOLE   0 0 2,019