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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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
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 373 14,048 SH   SOLE   0 0 14,048
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 365 14,103 SH   SOLE   0 0 14,103
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 836 13,396 SH   SOLE   0 0 13,396
ISHARES TR MSCI EMG MKT ETF 464287234 551 10,929 SH   SOLE   0 0 10,929
ISHARES TR RUS MDCP VAL ETF 464287473 2,991 26,408 SH   SOLE   0 0 26,408
ISHARES TR RUS MD CP GR ETF 464287481 1,862 16,613 SH   SOLE   0 0 16,613
ISHARES TR CORE S&P MCP ETF 464287507 36,014 136,899 SH   SOLE   0 0 136,899
ISHARES TR RUS 1000 VAL ETF 464287598 3,358 21,453 SH   SOLE   0 0 21,453
ISHARES TR RUS 1000 GRW ETF 464287614 8,436 30,783 SH   SOLE   0 0 30,783
ISHARES TR CORE S&P SCP ETF 464287804 24,373 223,212 SH   SOLE   0 0 223,212
ISHARES TR GL CLEAN ENE ETF 464288224 435 20,071 SH   SOLE   0 0 20,071
ISHARES TR MSCI ACWI EX US 464288240 3,129 56,468 SH   SOLE   0 0 56,468
ISHARES TR JPMORGAN USD EMG 464288281 8,475 77,005 SH   SOLE   0 0 77,005
ISHARES TR MSCI KLD400 SOC 464288570 1,699 20,416 SH   SOLE   0 0 20,416
ISHARES TR ISHS 1-5YR INVS 464288646 4,305 78,783 SH   SOLE   0 0 78,783
ISHARES TR PFD AND INCM SEC 464288687 752 19,377 SH   SOLE   0 0 19,377
ISHARES TR GRWT ALLOCAT ETF 464289867 3,473 62,619 SH   SOLE   0 0 62,619
ISHARES TR CORE MSCI TOTAL 46432F834 852 12,000 SH   SOLE   0 0 12,000
ISHARES TR ESG AWARE MSCI 46435U663 591 15,153 SH   SOLE   0 0 15,153
ISHARES TR U.S. FIXED INCME 46435U796 1,031 10,282 SH   SOLE   0 0 10,282
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 7,418 145,241 SH   SOLE   0 0 145,241
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3,302 65,112 SH   SOLE   0 0 65,112
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 747 25,771 SH   SOLE   0 0 25,771
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,583 18,174 SH   SOLE   0 0 18,174
SPDR SER TR S&P 600 SMCP VAL 78464A300 10,996 134,168 SH   SOLE   0 0 134,168
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,704 71,031 SH   SOLE   0 0 71,031
SPDR SER TR NUVEEN BRC MUNIC 78468R721 4,288 83,148 SH   SOLE   0 0 83,148
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 400,238 3,847,336 SH   SOLE   0 0 3,847,336
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,636 38,057 SH   SOLE   0 0 38,057
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,862 220,238 SH   SOLE   0 0 220,238
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,271 160,076 SH   SOLE   0 0 160,076
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,763 107,518 SH   SOLE   0 0 107,518
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,459 19,659 SH   SOLE   0 0 19,659
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 873 16,093 SH   SOLE   0 0 16,093
SCHWAB STRATEGIC TR US TIPS ETF 808524870 21,908 350,075 SH   SOLE   0 0 350,075
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,331 128,391 SH   SOLE   0 0 128,391
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 24,373 399,815 SH   SOLE   0 0 399,815
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,506 110,090 SH   SOLE   0 0 110,090
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,714 49,986 SH   SOLE   0 0 49,986
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 14,597 104,555 SH   SOLE   0 0 104,555
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 7,533 31,879 SH   SOLE   0 0 31,879
VANGUARD INDEX FDS SML CP GRW ETF 922908595 13,583 48,484 SH   SOLE   0 0 48,484
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,592 38,944 SH   SOLE   0 0 38,944
VANGUARD INDEX FDS MID CAP ETF 922908629 5,034 21,261 SH   SOLE   0 0 21,261
VANGUARD INDEX FDS LARGE CAP ETF 922908637 15,600 77,643 SH   SOLE   0 0 77,643
VANGUARD INDEX FDS GROWTH ETF 922908736 43,729 150,702 SH   SOLE   0 0 150,702
VANGUARD INDEX FDS VALUE ETF 922908744 45,413 335,476 SH   SOLE   0 0 335,476
ACTIVISION BLIZZARD INC COM 00507V109 4 51 SH   SOLE   0 0 51
NUTRIEN LTD COM 67077M108 7 102 SH   SOLE   0 0 102
ALLSTATE CORP COM 020002101 17 132 SH   SOLE   0 0 132
CORTEVA INC COM 22052L104 8 187 SH   SOLE   0 0 187
DOW INC COM 260557103 11 187 SH   SOLE   0 0 187
DUPONT DE NEMOURS INC COM 26614N102 13 187 SH   SOLE   0 0 187
CHUBB LIMITED COM H1467J104 43 248 SH   SOLE   0 0 248
CAMDEN NATL CORP COM 133034108 14 285 SH   SOLE   0 0 285
CATERPILLAR INC COM 149123101 77 400 SH   SOLE   0 0 400
HANOVER INS GROUP INC COM 410867105 52 400 SH   SOLE   0 0 400
CITIGROUP INC COM NEW 172967424 32 450 SH   SOLE   0 0 450
EMERSON ELEC CO COM 291011104 46 484 SH   SOLE   0 0 484
GENERAL ELECTRIC CO COM NEW 369604301 50 484 SH   SOLE   0 0 484
APPLE INC COM 037833100 70 492 SH   SOLE   0 0 492
PPL CORP COM 69351T106 14 500 SH   SOLE   0 0 500
CRAWFORD & CO CL A 224633206 7 750 SH   SOLE   0 0 750
PROCTER AND GAMBLE CO COM 742718109 107 763 SH   SOLE   0 0 763
ARCHER DANIELS MIDLAND CO COM 039483102 55 918 SH   SOLE   0 0 918
HERSHEY CO COM 427866108 163 965 SH   SOLE   0 0 965
BK OF AMERICA CORP COM 060505104 47 1,096 SH   SOLE   0 0 1,096
JOHNSON & JOHNSON COM 478160104 258 1,598 SH   SOLE   0 0 1,598
F N B CORP COM 302520101 35 3,000 SH   SOLE   0 0 3,000
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 21 3,500 SH   SOLE   0 0 3,500
DEUTSCHE BANK A G NAMEN AKT D18190898 61 4,814 SH   SOLE   0 0 4,814