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
3M CO COM 88579Y101 419 2,692 SH   SOLE   0 0 2,692
ABBOTT LABS COM 002824100 724 8,139 SH   SOLE   0 0 8,139
ABBVIE INC COM 00287Y109 550 5,705 SH   SOLE   0 0 5,705
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 357 1,661 SH   SOLE   0 0 1,661
ALPHABET INC CAP STK CL C 02079K107 371 266 SH   SOLE   0 0 266
ALPHABET INC CAP STK CL A 02079K305 525 376 SH   SOLE   0 0 376
AMAZON COM INC COM 023135106 2,565 957 SH   SOLE   0 0 957
AMERICAN TOWER CORP NEW COM 03027X100 495 1,950 SH   SOLE   0 0 1,950
AMGEN INC COM 031162100 318 1,372 SH   SOLE   0 0 1,372
APPLE INC COM 037833100 7,676 21,216 SH   SOLE   0 0 21,216
AT&T INC COM 00206R102 584 19,514 SH   SOLE   0 0 19,514
BERKSHIRE HATHAWAY INC DEL CL A 084670108 530 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 474 2,673 SH   SOLE   0 0 2,673
BK OF AMERICA CORP COM 060505104 272 11,630 SH   SOLE   0 0 11,630
BP PLC SPONSORED ADR 055622104 211 8,988 SH   SOLE   0 0 8,988
BROADCOM INC COM 11135F101 591 1,908 SH   SOLE   0 0 1,908
CANADIAN PAC RY LTD COM 13645T100 470 1,875 SH   SOLE   0 0 1,875
CHEVRON CORP NEW COM 166764100 303 3,457 SH   SOLE   0 0 3,457
CISCO SYS INC COM 17275R102 266 5,759 SH   SOLE   0 0 5,759
COCA COLA CO COM 191216100 326 7,351 SH   SOLE   0 0 7,351
COMCAST CORP NEW CL A 20030N101 312 8,020 SH   SOLE   0 0 8,020
CONSOLIDATED EDISON INC COM 209115104 349 4,805 SH   SOLE   0 0 4,805
CORNING INC COM 219350105 362 14,100 SH   SOLE   0 0 14,100
CVS HEALTH CORP COM 126650100 241 3,740 SH   SOLE   0 0 3,740
D R HORTON INC COM 23331A109 328 6,000 SH   SOLE   0 0 6,000
DISNEY WALT CO COM DISNEY 254687106 5,531 49,598 SH   SOLE   0 0 49,598
ESSENTIAL UTILS INC COM 29670G102 649 15,569 SH   SOLE   0 0 15,569
EXXON MOBIL CORP COM 30231G102 1,878 42,384 SH   SOLE   0 0 42,384
FISERV INC COM 337738108 852 8,784 SH   SOLE   0 0 8,784
GENERAL ELECTRIC CO COM 369604103 131 19,252 SH   SOLE   0 0 19,252
GENERAL MLS INC COM 370334104 725 11,940 SH   SOLE   0 0 11,940
GILEAD SCIENCES INC COM 375558103 301 4,034 SH   SOLE   0 0 4,034
HOME DEPOT INC COM 437076102 1,241 5,042 SH   SOLE   0 0 5,042
HONEYWELL INTL INC COM 438516106 204 1,422 SH   SOLE   0 0 1,422
INCYTE CORP COM 45337C102 5,384 52,533 SH   SOLE   0 0 52,533
INTEL CORP COM 458140100 317 5,445 SH   SOLE   0 0 5,445
INTERNATIONAL BUSINESS MACHS COM 459200101 234 1,952 SH   SOLE   0 0 1,952
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 205 9,645 SH   SOLE   0 0 9,645
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 387 18,091 SH   SOLE   0 0 18,091
INVESCO QQQ TR UNIT SER 1 46090E103 341 1,403 SH   SOLE   0 0 1,403
ISHARES TR CONV BD ETF 46435G102 1,109 15,849 SH   SOLE   0 0 15,849
ISHARES TR EAFE GRWTH ETF 464288885 1,780 21,394 SH   SOLE   0 0 21,394
ISHARES TR EAFE VALUE ETF 464288877 225 5,633 SH   SOLE   0 0 5,633
ISHARES TR PFD AND INCM SEC 464288687 1,426 41,328 SH   SOLE   0 0 41,328
ISHARES TR NATIONAL MUN ETF 464288414 444 3,847 SH   SOLE   0 0 3,847
ISHARES TR S&P SML 600 GWT 464287887 500 2,986 SH   SOLE   0 0 2,986
ISHARES TR SP SMCP600VL ETF 464287879 218 1,837 SH   SOLE   0 0 1,837
ISHARES TR CORE S&P SCP ETF 464287804 224 3,318 SH   SOLE   0 0 3,318
ISHARES TR RUSSELL 2000 ETF 464287655 608 4,310 SH   SOLE   0 0 4,310
ISHARES TR RUS 1000 ETF 464287622 732 4,325 SH   SOLE   0 0 4,325
ISHARES TR RUS 1000 GRW ETF 464287614 1,084 5,748 SH   SOLE   0 0 5,748
ISHARES TR S&P MC 400GR ETF 464287606 343 1,549 SH   SOLE   0 0 1,549
ISHARES TR RUS 1000 VAL ETF 464287598 521 4,676 SH   SOLE   0 0 4,676
ISHARES TR CORE S&P MCP ETF 464287507 267 1,522 SH   SOLE   0 0 1,522
ISHARES TR RUS MD CP GR ETF 464287481 766 4,928 SH   SOLE   0 0 4,928
ISHARES TR MSCI EMG MKT ETF 464287234 212 5,278 SH   SOLE   0 0 5,278
ISHARES TR CORE S&P500 ETF 464287200 683 2,235 SH   SOLE   0 0 2,235
ISHARES TR TIPS BD ETF 464287176 243 1,975 SH   SOLE   0 0 1,975
JOHNSON & JOHNSON COM 478160104 3,506 25,217 SH   SOLE   0 0 25,217
JPMORGAN CHASE & CO COM 46625H100 1,577 16,952 SH   SOLE   0 0 16,952
KIMBERLY CLARK CORP COM 494368103 482 3,455 SH   SOLE   0 0 3,455
MASTERCARD INCORPORATED CL A 57636Q104 200 684 SH   SOLE   0 0 684
MCDONALDS CORP COM 580135101 643 3,520 SH   SOLE   0 0 3,520
MERCK & CO. INC COM 58933Y105 1,792 23,543 SH   SOLE   0 0 23,543
MICROSOFT CORP COM 594918104 4,365 21,999 SH   SOLE   0 0 21,999
MOODYS CORP COM 615369105 519 1,930 SH   SOLE   0 0 1,930
NEXTERA ENERGY INC COM 65339F101 1,282 5,382 SH   SOLE   0 0 5,382
ORACLE CORP COM 68389X105 315 5,753 SH   SOLE   0 0 5,753
PAYCHEX INC COM 704326107 646 8,761 SH   SOLE   0 0 8,761
PEPSICO INC COM 713448108 705 5,378 SH   SOLE   0 0 5,378
PFIZER INC COM 717081103 1,068 32,733 SH   SOLE   0 0 32,733
PROCTER AND GAMBLE CO COM 742718109 1,622 13,782 SH   SOLE   0 0 13,782
S & T BANCORP INC COM 783859101 1,398 60,791 SH   SOLE   0 0 60,791
SALESFORCE COM INC COM 79466L302 601 3,277 SH   SOLE   0 0 3,277
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 290 10,585 SH   SOLE   0 0 10,585
SPDR SER TR DJ REIT ETF 78464A607 391 5,055 SH   SOLE   0 0 5,055
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,894 59,692 SH   SOLE   0 0 59,692
SPDR SER TR PRTFLO S&P500 VL 78464A508 916 31,926 SH   SOLE   0 0 31,926
SPDR SER TR PRTFLO S&P500 GW 78464A409 282 6,380 SH   SOLE   0 0 6,380
SPDR SER TR BLMBRG BRC CNVRT 78464A359 315 5,276 SH   SOLE   0 0 5,276
STRYKER CORPORATION COM 863667101 254 1,430 SH   SOLE   0 0 1,430
TJX COS INC NEW COM 872540109 381 7,502 SH   SOLE   0 0 7,502
UNION PAC CORP COM 907818108 286 1,728 SH   SOLE   0 0 1,728
UNITEDHEALTH GROUP INC COM 91324P102 565 1,950 SH   SOLE   0 0 1,950
VANGUARD INDEX FDS TOTAL STK MKT 922908769 272 1,763 SH   SOLE   0 0 1,763
VANGUARD INDEX FDS VALUE ETF 922908744 200 2,033 SH   SOLE   0 0 2,033
VANGUARD INDEX FDS SML CP GRW ETF 922908595 444 2,261 SH   SOLE   0 0 2,261
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 288 3,050 SH   SOLE   0 0 3,050
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 510 6,576 SH   SOLE   0 0 6,576
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 282 7,085 SH   SOLE   0 0 7,085
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 319 4,095 SH   SOLE   0 0 4,095
VANGUARD WORLD FDS INF TECH ETF 92204A702 388 1,416 SH   SOLE   0 0 1,416
VERIZON COMMUNICATIONS INC COM 92343V104 782 14,294 SH   SOLE   0 0 14,294
VISA INC COM CL A 92826C839 251 1,310 SH   SOLE   0 0 1,310
WISDOMTREE TR US LARGECAP DIVD 97717W307 2,032 22,169 SH   SOLE   0 0 22,169
WISDOMTREE TR US MIDCAP DIVID 97717W505 413 14,748 SH   SOLE   0 0 14,748
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,465 69,986 SH   SOLE   0 0 69,986
WISDOMTREE TR INTL LRGCAP DV 97717W794 2,896 70,783 SH   SOLE   0 0 70,783