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
AIR PRODS & CHEMS INC COM 009158106 361 1,256 SH   SOLE   0 0 1,256
AMAZON COM INC COM 023135106 206 60 SH   SOLE   0 0 60
APPLE INC COM 037833100 902 6,586 SH   SOLE   0 0 6,586
ARK ETF TR INNOVATION ETF 00214Q104 233 4,092 SH   SOLE   0 0 4,092
AT&T INC COM 00206R102 207 7,188 SH   SOLE   0 0 7,188
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 245 880 SH   SOLE   0 0 880
CODORUS VY BANCORP INC COM 192025104 506 25,229 SH   SOLE   0 0 25,229
COLGATE PALMOLIVE CO COM 194162103 309 3,800 SH   SOLE   0 0 3,800
COSTCO WHSL CORP NEW COM 22160K105 202 511 SH   SOLE   0 0 511
DISNEY WALT CO COM 254687106 241 1,370 SH   SOLE   0 0 1,370
FIFTH THIRD BANCORP COM 316773100 233 6,100 SH   SOLE   0 0 6,100
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,273 30,832 SH   SOLE   0 0 30,832
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 282 7,784 SH   SOLE   0 0 7,784
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 206 2,767 SH   SOLE   0 0 2,767
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 12,529 78,143 SH   SOLE   0 0 78,143
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,351 7,337 SH   SOLE   0 0 7,337
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 5,132 57,079 SH   SOLE   0 0 57,079
ISHARES INC CORE MSCI EMKT 46434G103 5,199 77,603 SH   SOLE   0 0 77,603
ISHARES TR CORE DIV GRWTH 46434V621 19,211 381,477 SH   SOLE   0 0 381,477
ISHARES TR CORE MSCI EAFE 46432F842 7,312 97,682 SH   SOLE   0 0 97,682
ISHARES TR CORE S&P SCP ETF 464287804 260 2,300 SH   SOLE   0 0 2,300
ISHARES TR CORE S&P TTL STK 464287150 224 2,271 SH   SOLE   0 0 2,271
ISHARES TR CORE S&P500 ETF 464287200 927 2,156 SH   SOLE   0 0 2,156
ISHARES TR CRE U S REIT ETF 464288521 4,340 74,384 SH   SOLE   0 0 74,384
ISHARES TR MORNINGSTAR GRWT 464287119 3,705 57,209 SH   SOLE   0 0 57,209
ISHARES TR MRGSTR MD CP GRW 464288307 4,656 67,593 SH   SOLE   0 0 67,593
ISHARES TR MRGSTR MD CP VAL 464288406 4,776 74,376 SH   SOLE   0 0 74,376
ISHARES TR MRGSTR SM CP GR 464288604 847 16,339 SH   SOLE   0 0 16,339
ISHARES TR MRNING SM CP ETF 464288703 2,074 35,285 SH   SOLE   0 0 35,285
ISHARES TR MSCI EAFE MIN VL 46429B689 548 7,260 SH   SOLE   0 0 7,260
ISHARES TR RUS 1000 GRW ETF 464287614 40,949 150,836 SH   SOLE   0 0 150,836
ISHARES TR RUS 2000 GRW ETF 464287648 4,484 14,386 SH   SOLE   0 0 14,386
ISHARES TR RUS 2000 VAL ETF 464287630 652 3,932 SH   SOLE   0 0 3,932
ISHARES TR RUS MD CP GR ETF 464287481 44,576 393,782 SH   SOLE   0 0 393,782
ISHARES TR RUS MDCP VAL ETF 464287473 16,514 143,627 SH   SOLE   0 0 143,627
ISHARES TR RUS MID CAP ETF 464287499 437 5,510 SH   SOLE   0 0 5,510
ISHARES TR S&P 500 GRWT ETF 464287309 14,592 200,635 SH   SOLE   0 0 200,635
ISHARES TR S&P 500 VAL ETF 464287408 4,479 30,336 SH   SOLE   0 0 30,336
ISHARES TR S&P MC 400GR ETF 464287606 4,524 55,896 SH   SOLE   0 0 55,896
ISHARES TR S&P MC 400VL ETF 464287705 492 4,675 SH   SOLE   0 0 4,675
ISHARES TR S&P SML 600 GWT 464287887 7,394 55,746 SH   SOLE   0 0 55,746
ISHARES TR SP SMCP600VL ETF 464287879 4,260 40,404 SH   SOLE   0 0 40,404
ISHARES TR U.S. REAL ES ETF 464287739 1,588 15,575 SH   SOLE   0 0 15,575
J & J SNACK FOODS CORP COM 466032109 845 4,847 SH   SOLE   0 0 4,847
JOHNSON & JOHNSON COM 478160104 253 1,533 SH   SOLE   0 0 1,533
LOWES COS INC COM 548661107 3,876 19,983 SH   SOLE   0 0 19,983
MICROSOFT CORP COM 594918104 1,369 5,055 SH   SOLE   0 0 5,055
NVIDIA CORPORATION COM 67066G104 356 445 SH   SOLE   0 0 445
PARKER-HANNIFIN CORP COM 701094104 955 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109 230 1,701 SH   SOLE   0 0 1,701
PROSHARES TR ULTRAPRO QQQ 74347X831 257 2,101 SH   SOLE   0 0 2,101
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,475 45,957 SH   SOLE   0 0 45,957
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 546 1,583 SH   SOLE   0 0 1,583
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,503 231,132 SH   SOLE   0 0 231,132
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 17,445 383,415 SH   SOLE   0 0 383,415
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 259 527 SH   SOLE   0 0 527
SPDR SER TR PORTFOLIO SHORT 78464A474 40,692 1,300,058 SH   SOLE   0 0 1,300,058
SPDR SER TR PRTFLO S&P500 GW 78464A409 31,039 492,924 SH   SOLE   0 0 492,924
SPDR SER TR PRTFLO S&P500 VL 78464A508 17,497 442,504 SH   SOLE   0 0 442,504
SPDR SER TR RUSSELL YIELD 78468R770 301 3,177 SH   SOLE   0 0 3,177
SPDR SER TR S&P 400 MDCP GRW 78464A821 9,648 124,464 SH   SOLE   0 0 124,464
SPDR SER TR S&P 400 MDCP VAL 78464A839 10,224 151,425 SH   SOLE   0 0 151,425
SPDR SER TR S&P 600 SMCP GRW 78464A201 20,007 225,376 SH   SOLE   0 0 225,376
SPDR SER TR S&P 600 SMCP VAL 78464A300 16,005 186,732 SH   SOLE   0 0 186,732
SPDR SER TR S&P DIVID ETF 78464A763 746 6,104 SH   SOLE   0 0 6,104
VALLEY NATL BANCORP COM 919794107 470 35,000 SH   SOLE   0 0 35,000
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 659 2,513 SH   SOLE   0 0 2,513
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,177 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 456 2,820 SH   SOLE   0 0 2,820
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,115 6,117 SH   SOLE   0 0 6,117
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 313 1,661 SH   SOLE   0 0 1,661
VANGUARD INDEX FDS GROWTH ETF 922908736 11,969 41,730 SH   SOLE   0 0 41,730
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,261 6,280 SH   SOLE   0 0 6,280
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 8,608 36,420 SH   SOLE   0 0 36,420
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 37,837 269,300 SH   SOLE   0 0 269,300
VANGUARD INDEX FDS MID CAP ETF 922908629 314 1,322 SH   SOLE   0 0 1,322
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,446 82,979 SH   SOLE   0 0 82,979
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 279 708 SH   SOLE   0 0 708
VANGUARD INDEX FDS SM CP VAL ETF 922908611 41,677 239,992 SH   SOLE   0 0 239,992
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,030 4,570 SH   SOLE   0 0 4,570
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,445 63,649 SH   SOLE   0 0 63,649
VANGUARD INDEX FDS TOTAL STK MKT 922908769 933 4,185 SH   SOLE   0 0 4,185
VANGUARD INDEX FDS VALUE ETF 922908744 48,008 349,251 SH   SOLE   0 0 349,251
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,332 171,832 SH   SOLE   0 0 171,832
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,790 33,734 SH   SOLE   0 0 33,734
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,209 31,638 SH   SOLE   0 0 31,638
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 272 3,914 SH   SOLE   0 0 3,914
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,556 17,586 SH   SOLE   0 0 17,586
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,658 226,289 SH   SOLE   0 0 226,289
VANGUARD WORLD FD MEGA GRWTH IND 921910816 661 2,855 SH   SOLE   0 0 2,855
WISDOMTREE TR US MIDCAP DIVID 97717W505 294 7,000 SH   SOLE   0 0 7,000