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 313 1,221 SH   SOLE   0 0 1,221
APPLE INC COM 037833100 909 6,426 SH   SOLE   0 0 6,426
ARK ETF TR INNOVATION ETF 00214Q104 756 14,415 SH   SOLE   0 0 14,415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 267 980 SH   SOLE   0 0 980
CODORUS VY BANCORP INC COM 192025104 569 25,229 SH   SOLE   0 0 25,229
COLGATE PALMOLIVE CO COM 194162103 274 3,620 SH   SOLE   0 0 3,620
COSTCO WHSL CORP NEW COM 22160K105 230 511 SH   SOLE   0 0 511
DISNEY WALT CO COM 254687106 222 1,314 SH   SOLE   0 0 1,314
FIFTH THIRD BANCORP COM 316773100 259 6,100 SH   SOLE   0 0 6,100
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,216 30,454 SH   SOLE   0 0 30,454
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 280 7,784 SH   SOLE   0 0 7,784
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 205 2,767 SH   SOLE   0 0 2,767
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 12,231 77,232 SH   SOLE   0 0 77,232
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,386 7,200 SH   SOLE   0 0 7,200
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 5,067 56,381 SH   SOLE   0 0 56,381
ISHARES INC CORE MSCI EMKT 46434G103 5,101 82,591 SH   SOLE   0 0 82,591
ISHARES TR CORE DIV GRWTH 46434V621 19,115 380,480 SH   SOLE   0 0 380,480
ISHARES TR CORE MSCI EAFE 46432F842 7,278 98,021 SH   SOLE   0 0 98,021
ISHARES TR CORE S&P SCP ETF 464287804 262 2,399 SH   SOLE   0 0 2,399
ISHARES TR CORE S&P TTL STK 464287150 223 2,271 SH   SOLE   0 0 2,271
ISHARES TR CORE S&P500 ETF 464287200 958 2,223 SH   SOLE   0 0 2,223
ISHARES TR CRE U S REIT ETF 464288521 4,268 72,773 SH   SOLE   0 0 72,773
ISHARES TR MORNINGSTAR GRWT 464287119 3,606 55,007 SH   SOLE   0 0 55,007
ISHARES TR MRGSTR MD CP GRW 464288307 4,848 70,384 SH   SOLE   0 0 70,384
ISHARES TR MRGSTR MD CP VAL 464288406 4,619 73,065 SH   SOLE   0 0 73,065
ISHARES TR MRGSTR SM CP GR 464288604 852 17,293 SH   SOLE   0 0 17,293
ISHARES TR MRNING SM CP ETF 464288703 1,973 34,698 SH   SOLE   0 0 34,698
ISHARES TR MSCI EAFE MIN VL 46429B689 547 7,260 SH   SOLE   0 0 7,260
ISHARES TR RUS 1000 GRW ETF 464287614 40,466 147,665 SH   SOLE   0 0 147,665
ISHARES TR RUS 1000 VAL ETF 464287598 210 1,341 SH   SOLE   0 0 1,341
ISHARES TR RUS 2000 GRW ETF 464287648 4,235 14,424 SH   SOLE   0 0 14,424
ISHARES TR RUS 2000 VAL ETF 464287630 726 4,529 SH   SOLE   0 0 4,529
ISHARES TR RUS MD CP GR ETF 464287481 43,536 388,474 SH   SOLE   0 0 388,474
ISHARES TR RUS MDCP VAL ETF 464287473 16,280 143,752 SH   SOLE   0 0 143,752
ISHARES TR RUS MID CAP ETF 464287499 431 5,510 SH   SOLE   0 0 5,510
ISHARES TR S&P 500 GRWT ETF 464287309 14,257 192,894 SH   SOLE   0 0 192,894
ISHARES TR S&P 500 VAL ETF 464287408 4,409 30,320 SH   SOLE   0 0 30,320
ISHARES TR S&P MC 400GR ETF 464287606 4,372 55,207 SH   SOLE   0 0 55,207
ISHARES TR S&P MC 400VL ETF 464287705 482 4,675 SH   SOLE   0 0 4,675
ISHARES TR S&P SML 600 GWT 464287887 7,264 55,857 SH   SOLE   0 0 55,857
ISHARES TR SP SMCP600VL ETF 464287879 4,090 40,629 SH   SOLE   0 0 40,629
ISHARES TR U.S. REAL ES ETF 464287739 1,538 15,022 SH   SOLE   0 0 15,022
J & J SNACK FOODS CORP COM 466032109 741 4,847 SH   SOLE   0 0 4,847
JOHNSON & JOHNSON COM 478160104 248 1,533 SH   SOLE   0 0 1,533
LOWES COS INC COM 548661107 3,934 19,393 SH   SOLE   0 0 19,393
MICROSOFT CORP COM 594918104 1,424 5,050 SH   SOLE   0 0 5,050
NVIDIA CORPORATION COM 67066G104 369 1,781 SH   SOLE   0 0 1,781
PARKER-HANNIFIN CORP COM 701094104 870 3,111 SH   SOLE   0 0 3,111
PROCTER AND GAMBLE CO COM 742718109 238 1,703 SH   SOLE   0 0 1,703
PROSHARES TR ULTRAPRO QQQ 74347X831 262 2,101 SH   SOLE   0 0 2,101
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,617 48,715 SH   SOLE   0 0 48,715
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 212 1,434 SH   SOLE   0 0 1,434
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 536 1,583 SH   SOLE   0 0 1,583
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,433 232,893 SH   SOLE   0 0 232,893
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 17,005 399,838 SH   SOLE   0 0 399,838
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 253 527 SH   SOLE   0 0 527
SPDR SER TR PORTFOLIO SHORT 78464A474 41,442 1,326,160 SH   SOLE   0 0 1,326,160
SPDR SER TR PRTFLO S&P500 GW 78464A409 30,442 475,502 SH   SOLE   0 0 475,502
SPDR SER TR PRTFLO S&P500 VL 78464A508 17,455 447,576 SH   SOLE   0 0 447,576
SPDR SER TR RUSSELL YIELD 78468R770 294 3,152 SH   SOLE   0 0 3,152
SPDR SER TR S&P 400 MDCP GRW 78464A821 9,417 124,478 SH   SOLE   0 0 124,478
SPDR SER TR S&P 400 MDCP VAL 78464A839 10,093 152,391 SH   SOLE   0 0 152,391
SPDR SER TR S&P 600 SMCP GRW 78464A201 19,715 226,292 SH   SOLE   0 0 226,292
SPDR SER TR S&P 600 SMCP VAL 78464A300 15,409 188,002 SH   SOLE   0 0 188,002
SPDR SER TR S&P DIVID ETF 78464A763 718 6,104 SH   SOLE   0 0 6,104
VALLEY NATL BANCORP COM 919794107 433 32,500 SH   SOLE   0 0 32,500
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 669 2,507 SH   SOLE   0 0 2,507
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,160 8,250 SH   SOLE   0 0 8,250
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 449 2,820 SH   SOLE   0 0 2,820
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 708 4,067 SH   SOLE   0 0 4,067
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 295 1,617 SH   SOLE   0 0 1,617
VANGUARD INDEX FDS GROWTH ETF 922908736 11,936 41,135 SH   SOLE   0 0 41,135
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,262 6,280 SH   SOLE   0 0 6,280
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 8,603 36,405 SH   SOLE   0 0 36,405
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 38,060 272,614 SH   SOLE   0 0 272,614
VANGUARD INDEX FDS MID CAP ETF 922908629 301 1,273 SH   SOLE   0 0 1,273
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,312 81,669 SH   SOLE   0 0 81,669
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 275 698 SH   SOLE   0 0 698
VANGUARD INDEX FDS SM CP VAL ETF 922908611 40,891 241,589 SH   SOLE   0 0 241,589
VANGUARD INDEX FDS SMALL CP ETF 922908751 999 4,571 SH   SOLE   0 0 4,571
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,366 65,555 SH   SOLE   0 0 65,555
VANGUARD INDEX FDS TOTAL STK MKT 922908769 979 4,411 SH   SOLE   0 0 4,411
VANGUARD INDEX FDS VALUE ETF 922908744 47,036 347,463 SH   SOLE   0 0 347,463
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,829 176,554 SH   SOLE   0 0 176,554
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,305 40,107 SH   SOLE   0 0 40,107
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,230 31,638 SH   SOLE   0 0 31,638
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 268 3,898 SH   SOLE   0 0 3,898
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,471 17,588 SH   SOLE   0 0 17,588
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,653 230,788 SH   SOLE   0 0 230,788
VANGUARD WORLD FD MEGA GRWTH IND 921910816 650 2,770 SH   SOLE   0 0 2,770
WISDOMTREE TR US MIDCAP DIVID 97717W505 290 7,000 SH   SOLE   0 0 7,000