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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 51 523 SH   DFND 1 0 523 0
AMAZON COM INC COM 023135106 347 3,073 SH   DFND 1 0 3,073 0
APPLE INC COM 037833100 886 6,413 SH   DFND 1 0 6,413 0
CHEVRON CORP NEW COM 166764100 107 743 SH   DFND 1 0 743 0
DISNEY WALT CO COM 254687106 83 878 SH   DFND 1 0 878 0
FULTON FINL CORP PA COM 360271100 0 14 SH   DFND 1 0 14 0
HOME DEPOT INC COM 437076102 129 467 SH   DFND 1 0 467 0
JOHNSON & JOHNSON COM 478160104 169 1,034 SH   DFND 1 0 1,034 0
KEYCORP COM 493267108 8 520 SH   DFND 1 0 520 0
LOWES COS INC COM 548661107 57 304 SH   DFND 1 0 304 0
MCDONALDS CORP COM 580135101 84 362 SH   DFND 1 0 362 0
MICROSOFT CORP COM 594918104 657 2,820 SH   DFND 1 0 2,820 0
NEW JERSEY RES CORP COM 646025106 1 27 SH   DFND 1 0 27 0
PNC FINL SVCS GROUP INC COM 693475105 35 234 SH   DFND 1 0 234 0
PEPSICO INC COM 713448108 114 696 SH   DFND 1 0 696 0
PFIZER INC COM 717081103 83 1,894 SH   DFND 1 0 1,894 0
PROCTER AND GAMBLE CO COM 742718109 121 962 SH   DFND 1 0 962 0
S & T BANCORP INC COM 783859101 2 58 SH   DFND 1 0 58 0
STARBUCKS CORP COM 855244109 52 614 SH   DFND 1 0 614 0
TEXAS INSTRS INC COM 882508104 84 540 SH   DFND 1 0 540 0
WALMART INC COM 931142103 79 608 SH   DFND 1 0 608 0
WELLS FARGO CO NEW COM 949746101 43 1,073 SH   DFND 1 0 1,073 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 55 675 SH   DFND 1 0 675 0
AT&T INC COM 00206R102 10 666 SH   DFND 1 0 666 0
ABBVIE INC COM 00287Y109 99 739 SH   DFND 1 0 739 0
ALPHABET INC CAP STK CL C 02079K107 209 2,174 SH   DFND 1 0 2,174 0
ALPHABET INC CAP STK CL A 02079K305 207 2,160 SH   DFND 1 0 2,160 0
COMCAST CORP NEW CL A 20030N101 37 1,270 SH   DFND 1 0 1,270 0
DUKE ENERGY CORP NEW COM NEW 26441C204 38 413 SH   DFND 1 0 413 0
ESSENTIAL UTILS INC COM 29670G102 3 69 SH   DFND 1 0 69 0
EXXON MOBIL CORP COM 30231G102 138 1,583 SH   DFND 1 0 1,583 0
META PLATFORMS INC CL A 30303M102 106 778 SH   DFND 1 0 778 0
JPMORGAN CHASE & CO COM 46625H100 138 1,322 SH   DFND 1 0 1,322 0
NEXTERA ENERGY INC COM 65339F101 58 742 SH   DFND 1 0 742 0
PROLOGIS INC. COM 74340W103 37 362 SH   DFND 1 0 362 0
S&P GLOBAL INC COM 78409V104 29 96 SH   DFND 1 0 96 0
TESLA INC COM 88160R101 224 844 SH   DFND 1 0 844 0
UNITEDHEALTH GROUP INC COM 91324P102 176 348 SH   DFND 1 0 348 0
ABBOTT LABS COM 002824100 511 5,286 SH   SOLE   0 0 5,286
AMAZON COM INC COM 023135106 356 3,150 SH   SOLE   0 0 3,150
APPLE INC COM 037833100 3,175 22,974 SH   SOLE   0 0 22,974
CHEVRON CORP NEW COM 166764100 136 947 SH   SOLE   0 0 947
COMMUNITY BK SYS INC COM 203607106 654 10,883 SH   SOLE   0 0 10,883
DISNEY WALT CO COM 254687106 131 1,384 SH   SOLE   0 0 1,384
FULTON FINL CORP PA COM 360271100 274 17,325 SH   SOLE   0 0 17,325
HOME DEPOT INC COM 437076102 1,502 5,445 SH   SOLE   0 0 5,445
ISHARES TR CORE S&P TTL STK 464287150 1,055 13,262 SH   SOLE   0 0 13,262
ISHARES TR TIPS BD ETF 464287176 3,548 33,824 SH   SOLE   0 0 33,824
ISHARES TR CORE S&P500 ETF 464287200 3,145 8,768 SH   SOLE   0 0 8,768
ISHARES TR CORE US AGGBD ET 464287226 38,940 404,196 SH   SOLE   0 0 404,196
ISHARES TR RUS 1000 ETF 464287622 222 1,125 SH   SOLE   0 0 1,125
ISHARES TR RUSSELL 2000 ETF 464287655 6,464 39,192 SH   SOLE   0 0 39,192
ISHARES TR SHRT NAT MUN ETF 464288158 16,575 161,455 SH   SOLE   0 0 161,455
ISHARES TR NATIONAL MUN ETF 464288414 30,210 294,504 SH   SOLE   0 0 294,504
ISHARES TR ISHS 1-5YR INVS 464288646 624 12,664 SH   SOLE   0 0 12,664
JOHNSON & JOHNSON COM 478160104 200 1,226 SH   SOLE   0 0 1,226
KEYCORP COM 493267108 718 44,838 SH   SOLE   0 0 44,838
LOWES COS INC COM 548661107 253 1,349 SH   SOLE   0 0 1,349
MCDONALDS CORP COM 580135101 289 1,251 SH   SOLE   0 0 1,251
MICROSOFT CORP COM 594918104 571 2,451 SH   SOLE   0 0 2,451
NEW JERSEY RES CORP COM 646025106 217 5,608 SH   SOLE   0 0 5,608
PNC FINL SVCS GROUP INC COM 693475105 191 1,280 SH   SOLE   0 0 1,280
PEPSICO INC COM 713448108 247 1,511 SH   SOLE   0 0 1,511
PFIZER INC COM 717081103 312 7,121 SH   SOLE   0 0 7,121
PROCTER AND GAMBLE CO COM 742718109 449 3,553 SH   SOLE   0 0 3,553
S & T BANCORP INC COM 783859101 418 14,252 SH   SOLE   0 0 14,252
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,316 293,303 SH   SOLE   0 0 293,303
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 44,655 1,054,419 SH   SOLE   0 0 1,054,419
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,252 103,287 SH   SOLE   0 0 103,287
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,375 20,699 SH   SOLE   0 0 20,699
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 986 21,771 SH   SOLE   0 0 21,771
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,149 293,186 SH   SOLE   0 0 293,186
SOUTH JERSEY INDS INC COM 838518108 213 6,375 SH   SOLE   0 0 6,375
STARBUCKS CORP COM 855244109 189 2,238 SH   SOLE   0 0 2,238
TEXAS INSTRS INC COM 882508104 919 5,940 SH   SOLE   0 0 5,940
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 460 3,406 SH   SOLE   0 0 3,406
VANGUARD STAR FDS VG TL INTL STK F 921909768 249 5,447 SH   SOLE   0 0 5,447
VANGUARD BD INDEX FDS INTERMED TERM 921937819 211 2,873 SH   SOLE   0 0 2,873
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 237 3,162 SH   SOLE   0 0 3,162
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 258 3,614 SH   SOLE   0 0 3,614
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 375 10,310 SH   SOLE   0 0 10,310
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,886 42,507 SH   SOLE   0 0 42,507
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,312 27,255 SH   SOLE   0 0 27,255
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 804 2,450 SH   SOLE   0 0 2,450
VANGUARD INDEX FDS MID CAP ETF 922908629 334 1,776 SH   SOLE   0 0 1,776
VANGUARD INDEX FDS SMALL CP ETF 922908751 931 5,447 SH   SOLE   0 0 5,447
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,075 17,131 SH   SOLE   0 0 17,131
WALMART INC COM 931142103 165 1,273 SH   SOLE   0 0 1,273
WELLS FARGO CO NEW COM 949746101 1,617 40,199 SH   SOLE   0 0 40,199
RAYTHEON TECHNOLOGIES CORP COM 75513E101 152 1,856 SH   SOLE   0 0 1,856
INVESCO QQQ TR UNIT SER 1 46090E103 266 994 SH   SOLE   0 0 994
AT&T INC COM 00206R102 169 11,008 SH   SOLE   0 0 11,008
ABBVIE INC COM 00287Y109 474 3,531 SH   SOLE   0 0 3,531
ALPHABET INC CAP STK CL C 02079K107 114 1,187 SH   SOLE   0 0 1,187
ALPHABET INC CAP STK CL A 02079K305 489 5,109 SH   SOLE   0 0 5,109
COMCAST CORP NEW CL A 20030N101 190 6,478 SH   SOLE   0 0 6,478
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106 47 24,228 SH   SOLE   0 0 24,228
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 43,646 1,735,410 SH   SOLE   0 0 1,735,410
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 72,881 3,277,044 SH   SOLE   0 0 3,277,044
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 20,806 1,101,408 SH   SOLE   0 0 1,101,408
DUKE ENERGY CORP NEW COM NEW 26441C204 254 2,734 SH   SOLE   0 0 2,734
ESSENTIAL UTILS INC COM 29670G102 269 6,511 SH   SOLE   0 0 6,511
EXXON MOBIL CORP COM 30231G102 1,015 11,628 SH   SOLE   0 0 11,628
META PLATFORMS INC CL A 30303M102 286 2,108 SH   SOLE   0 0 2,108
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 278 14,274 SH   SOLE   0 0 14,274
ISHARES TR US TREAS BD ETF 46429B267 8,459 371,643 SH   SOLE   0 0 371,643
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 2,399 67,172 SH   SOLE   0 0 67,172
ISHARES TR MSCI USA QLT FCT 46432F339 13,280 127,762 SH   SOLE   0 0 127,762
ISHARES TR MSCI USA VALUE 46432F388 9,003 109,984 SH   SOLE   0 0 109,984
ISHARES TR CORE MSCI TOTAL 46432F834 10,341 203,085 SH   SOLE   0 0 203,085
ISHARES INC ESG AWR MSCI EM 46434G863 268 9,701 SH   SOLE   0 0 9,701
JPMORGAN CHASE & CO COM 46625H100 190 1,816 SH   SOLE   0 0 1,816
MERIDIAN CORPORATION COM 58958P104 2,464 84,476 SH   SOLE   0 0 84,476
NEXTERA ENERGY INC COM 65339F101 152 1,938 SH   SOLE   0 0 1,938
PIMCO MUN INCOME FD II COM 72200W106 191 20,000 SH   SOLE   0 0 20,000
PROLOGIS INC. COM 74340W103 409 4,024 SH   SOLE   0 0 4,024
PROSHARES TR SHORT S&P 500 NE 74347B425 382 22,108 SH   SOLE   0 0 22,108
S&P GLOBAL INC COM 78409V104 490 1,604 SH   SOLE   0 0 1,604
SPDR S&P 500 ETF TR TR UNIT 78462F103 348 974 SH   SOLE   0 0 974
SPDR GOLD TR GOLD SHS 78463V107 285 1,844 SH   SOLE   0 0 1,844
TESLA INC COM 88160R101 421 1,588 SH   SOLE   0 0 1,588
UNITEDHEALTH GROUP INC COM 91324P102 34 67 SH   SOLE   0 0 67