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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   327,110 1,491 SH   SOLE 0 1,491 0 0
VANGUARD EXTENDED MARKET ETF ETF 922908652   226,456 1,192 SH   SOLE 0 1,192 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   237,399 259 SH   SOLE 0 259 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   221,633 1,322 SH   SOLE 0 1,322 0 0
COCA COLA CO COM Stock 191216100   396,845 6,374 SH   SOLE 0 6,374 0 0
KINSALE CAP GROUP INC COM Stock 49714P108   1,440,973 3,098 SH   SOLE 0 3,098 0 0
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   7,284,609 47,043 SH   SOLE 0 47,043 0 0
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516   306,235 4,022 SH   SOLE 0 4,022 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   2,815,528 4,804 SH   SOLE 0 4,804 0 0
NVR INC COM Stock 62944T105   229,009 28 SH   SOLE 0 28 0 0
ISHARES TIPS BOND ETF ETF 464287176   2,313,627 21,714 SH   SOLE 0 21,714 0 0
PEPSICO INC COM Stock 713448108   225,201 1,481 SH   SOLE 0 1,481 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   17,192,600 209,717 SH   SOLE 0 209,717 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   945,668 7,341 SH   SOLE 0 7,341 0 0
HOME DEPOT INC COM Stock 437076102   384,322 988 SH   SOLE 0 988 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739   256,753 2,759 SH   SOLE 0 2,759 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   224,449 1,948 SH   SOLE 0 1,948 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   247,038 545 SH   SOLE 0 545 0 0
SPDR S&P KENSHO FUTURE SECURITY ETF ETF 78468R671   21,585,092 322,268 SH   SOLE 0 322,268 0 0
FIRST TRUST MUNICIPAL HIGH INCOME ETF ETF 33739P301   4,685,034 97,019 SH   SOLE 0 97,018 0 0
MICROSOFT CORP COM Stock 594918104   787,362 1,868 SH   SOLE 0 1,868 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   1,896,290 7,892 SH   SOLE 0 7,892 0 0
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648   2,050,076 40,332 SH   SOLE 0 40,332 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   36,318,752 654,982 SH   SOLE 0 654,982 0 0
JPMORGAN MUNICIPAL ETF ETF 46641Q647   1,815,129 36,194 SH   SOLE 0 36,194 0 0
PGIM ACTIVE HIGH YIELD BOND ETF ETF 69344A206   7,532,118 216,814 SH   SOLE 0 216,814 0 0
JPMORGAN CORE PLUS BOND ETF ETF 46641Q670   56,093,957 1,217,581 SH   SOLE 0 1,217,581 0 0
ELI LILLY & CO COM Stock 532457108   221,973 288 SH   SOLE 0 287 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF ETF 46436E841   1,976,749 89,056 SH   SOLE 0 89,056 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866   783,482 33,597 SH   SOLE 0 33,597 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858   2,084,401 91,381 SH   SOLE 0 91,381 0 0
FVCBANKCORP INC COM Stock 36120Q101   132,500 10,541 SH   SOLE 0 10,541 0 0
INNOVATE EQUITY ETF ETF 38149W820   33,159,466 538,784 SH   SOLE 0 538,784 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   226,865 8,304 SH   SOLE 0 8,304 0 0
DIMENSIONAL U.S. EQUITY MARKET ETF ETF 25434V401   10,469,124 164,222 SH   SOLE 0 164,221 0 0
VANGUARD GROWTH ETF ETF 922908736   1,109,009 2,702 SH   SOLE 0 2,702 0 0
JPMORGAN INTERNATIONAL RESEARCH ENHANCED EQUITY ETF ETF 46641Q134   41,001,760 700,765 SH   SOLE 0 700,765 0 0
NVIDIA CORPORATION COM Stock 67066G104   469,086 3,493 SH   SOLE 0 3,493 0 0
VANGUARD SHORT-TERM TAX EXEMPT BOND ETF ETF 921935870   1,540,041 15,362 SH   SOLE 0 15,362 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   6,265,957 109,144 SH   SOLE 0 109,144 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863   221,175 6,624 SH   SOLE 0 6,624 0 0
SPDR PORTFOLIO MSCI GLOBAL STOCK MARKET ETF ETF 78463X475   368,961 5,826 SH   SOLE 0 5,826 0 0
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF ETF 46654Q724   3,498,063 56,384 SH   SOLE 0 56,384 0 0
MCDONALDS CORP COM Stock 580135101   335,693 1,158 SH   SOLE 0 1,158 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   33,841,611 190,036 SH   SOLE 0 190,036 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853   27,459,753 611,304 SH   SOLE 0 611,303 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   3,213,015 5,458 SH   SOLE 0 5,458 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   6,813,712 68,452 SH   SOLE 0 68,452 0 0
SALESFORCE INC COM Stock 79466L302   253,088 757 SH   SOLE 0 757 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   279,884 538 SH   SOLE 0 538 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100   711,220 2,967 SH   SOLE 0 2,967 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   782,249 20,387 SH   SOLE 0 20,387 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,561,418 116,299 SH   SOLE 0 116,299 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   106,819,922 1,495,449 SH   SOLE 0 1,495,449 0 0
WALMART INC COM Stock 931142103   283,067 3,133 SH   SOLE 0 3,133 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   1,425,619 32,371 SH   SOLE 0 32,371 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   224,719 1,180 SH   SOLE 0 1,180 0 0
SPDR PORTFOLIO TIPS ETF ETF 78464A656   14,425,321 569,946 SH   SOLE 0 569,945 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   4,400,496 22,471 SH   SOLE 0 22,471 0 0
FULTON FINL CORP PA COM Stock 360271100   486,762 25,247 SH   SOLE 0 25,247 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   201,143 1,043 SH   SOLE 0 1,043 0 0
DOMINION ENERGY INC COM Stock 25746U109   443,784 8,240 SH   SOLE 0 8,239 0 0
EXXON MOBIL CORP COM Stock 30231G102   451,324 4,196 SH   SOLE 0 4,195 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   5,032,571 147,453 SH   SOLE 0 147,453 0 0
APPLE INC COM Stock 037833100   1,729,812 6,908 SH   SOLE 0 6,907 0 0