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
ISHARES TR RUS 2000 GRW ETF 464287648 4,990 19,512 SH   SOLE   0 0 19,512
CODORUS VY BANCORP INC COM 192025104 555 25,229 SH   SOLE   0 0 25,229
ISHARES TR S&P 500 VAL ETF 464287408 4,846 31,118 SH   SOLE   0 0 31,118
ISHARES TR RUS MID CAP ETF 464287499 343 4,389 SH   SOLE   0 0 4,389
ISHARES TR RUS 1000 GRW ETF 464287614 40,894 147,298 SH   SOLE   0 0 147,298
ISHARES TR CORE S&P TTL STK 464287150 270 2,676 SH   SOLE   0 0 2,676
THERMO FISHER SCIENTIFIC INC COM 883556102 422 714 SH   SOLE   0 0 714
JOHNSON & JOHNSON COM 478160104 303 1,707 SH   SOLE   0 0 1,707
ISHARES TR MRGSTR MD CP GRW 464288307 4,797 74,632 SH   SOLE   0 0 74,632
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 13,444 60,340 SH   SOLE   0 0 60,340
ISHARES TR S&P SML 600 GWT 464287887 8,044 64,297 SH   SOLE   0 0 64,297
VANGUARD INDEX FDS SM CP VAL ETF 922908611 43,834 249,140 SH   SOLE   0 0 249,140
ISHARES TR S&P MC 400GR ETF 464287606 4,251 55,017 SH   SOLE   0 0 55,017
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,487 7,132 SH   SOLE   0 0 7,132
VANGUARD INDEX FDS SML CP GRW ETF 922908595 21,300 85,842 SH   SOLE   0 0 85,842
MICROSOFT CORP COM 594918104 1,822 5,909 SH   SOLE   0 0 5,909
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,988 50,546 SH   SOLE   0 0 50,546
VANGUARD INDEX FDS MID CAP ETF 922908629 309 1,300 SH   SOLE   0 0 1,300
ISHARES TR RUS MDCP VAL ETF 464287473 18,871 157,734 SH   SOLE   0 0 157,734
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,073 5,047 SH   SOLE   0 0 5,047
ISHARES TR S&P MC 400VL ETF 464287705 550 5,019 SH   SOLE   0 0 5,019
ISHARES TR U.S. REAL ES ETF 464287739 1,845 17,045 SH   SOLE   0 0 17,045
ISHARES TR RUS MD CP GR ETF 464287481 42,028 418,185 SH   SOLE   0 0 418,185
VANGUARD INDEX FDS VALUE ETF 922908744 52,284 353,798 SH   SOLE   0 0 353,798
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 41,430 276,808 SH   SOLE   0 0 276,808
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,243 8,250 SH   SOLE   0 0 8,250
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,073 4,712 SH   SOLE   0 0 4,712
VALLEY NATL BANCORP COM 919794107 391 30,000 SH   SOLE   0 0 30,000
APPLE INC COM 037833100 1,123 6,430 SH   SOLE   0 0 6,430
AIR PRODS & CHEMS INC COM 009158106 300 1,200 SH   SOLE   0 0 1,200
ISHARES TR CORE S&P500 ETF 464287200 1,215 2,679 SH   SOLE   0 0 2,679
ISHARES TR SP SMCP600VL ETF 464287879 4,057 39,619 SH   SOLE   0 0 39,619
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 571 2,073 SH   SOLE   0 0 2,073
COLGATE PALMOLIVE CO COM 194162103 229 3,020 SH   SOLE   0 0 3,020
VANGUARD INDEX FDS GROWTH ETF 922908736 12,008 41,754 SH   SOLE   0 0 41,754
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 239 576 SH   SOLE   0 0 576
ISHARES TR CRE U S REIT ETF 464288521 4,580 70,846 SH   SOLE   0 0 70,846
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 263 1,587 SH   SOLE   0 0 1,587
J & J SNACK FOODS CORP COM 466032109 598 3,858 SH   SOLE   0 0 3,858
HERSHEY CO COM 427866108 207 955 SH   SOLE   0 0 955
ISHARES TR MRGSTR MD CP VAL 464288406 4,972 72,168 SH   SOLE   0 0 72,168
ISHARES TR S&P 500 GRWT ETF 464287309 16,179 211,828 SH   SOLE   0 0 211,828
PARKER-HANNIFIN CORP COM 701094104 883 3,111 SH   SOLE   0 0 3,111
LOWES COS INC COM 548661107 4,174 20,642 SH   SOLE   0 0 20,642
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,972 249,266 SH   SOLE   0 0 249,266
FIFTH THIRD BANCORP COM 316773100 263 6,100 SH   SOLE   0 0 6,100
ISHARES TR RUS 2000 VAL ETF 464287630 824 5,104 SH   SOLE   0 0 5,104
ISHARES TR MRGSTR SM CP GR 464288604 649 14,685 SH   SOLE   0 0 14,685
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 346 980 SH   SOLE   0 0 980
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 428 2,553 SH   SOLE   0 0 2,553
ISHARES TR MORNINGSTAR GRWT 464287119 3,502 53,873 SH   SOLE   0 0 53,873
VANGUARD WORLD FD MEGA GRWTH IND 921910816 641 2,724 SH   SOLE   0 0 2,724
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,452 248,248 SH   SOLE   0 0 248,248
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,729 80,547 SH   SOLE   0 0 80,547
ISHARES TR MRNING SM CP ETF 464288703 1,998 33,992 SH   SOLE   0 0 33,992
PROCTER AND GAMBLE CO COM 742718109 292 1,912 SH   SOLE   0 0 1,912
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 680 3,840 SH   SOLE   0 0 3,840
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 250 3,348 SH   SOLE   0 0 3,348
COSTCO WHSL CORP NEW COM 22160K105 294 511 SH   SOLE   0 0 511
ARK ETF TR INNOVATION ETF 00214Q104 1,221 24,434 SH   SOLE   0 0 24,434
ISHARES TR MSCI EAFE MIN VL 46429B689 517 7,169 SH   SOLE   0 0 7,169
ISHARES TR CORE DIV GRWTH 46434V621 18,945 354,708 SH   SOLE   0 0 354,708
ISHARES INC CORE MSCI EMKT 46434G103 5,247 94,464 SH   SOLE   0 0 94,464
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 3,839 40,378 SH   SOLE   0 0 40,378
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,239 27,754 SH   SOLE   0 0 27,754
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,221 6,645 SH   SOLE   0 0 6,645
ISHARES TR CORE MSCI EAFE 46432F842 6,976 100,366 SH   SOLE   0 0 100,366
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 309 8,044 SH   SOLE   0 0 8,044
ISHARES TR US DIVID BYBCK 46435U861 225 5,397 SH   SOLE   0 0 5,397
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 13,146 76,940 SH   SOLE   0 0 76,940
NVIDIA CORPORATION COM 67066G104 471 1,728 SH   SOLE   0 0 1,728
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,409 17,064 SH   SOLE   0 0 17,064
3M CO COM 88579Y101 206 1,387 SH   SOLE   0 0 1,387
SPDR SER TR S&P DIVID ETF 78464A763 625 4,877 SH   SOLE   0 0 4,877
PROSHARES TR ULTRAPRO QQQ 74347X831 244 4,202 SH   SOLE   0 0 4,202
SPDR SER TR PRTFLO S&P500 VL 78464A508 18,631 446,252 SH   SOLE   0 0 446,252
SPDR SER TR S&P 400 MDCP GRW 78464A821 11,236 151,411 SH   SOLE   0 0 151,411
SPDR SER TR S&P 600 SMCP VAL 78464A300 15,797 189,575 SH   SOLE   0 0 189,575
SPDR SER TR PRTFLO S&P500 GW 78464A409 31,283 472,487 SH   SOLE   0 0 472,487
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 231 470 SH   SOLE   0 0 470
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,132 40,113 SH   SOLE   0 0 40,113
SPDR SER TR S&P 400 MDCP VAL 78464A839 10,876 154,526 SH   SOLE   0 0 154,526
SPDR SER TR RUSSELL YIELD 78468R770 326 3,213 SH   SOLE   0 0 3,213
SPDR SER TR PORTFOLIO SHORT 78464A474 41,647 1,382,251 SH   SOLE   0 0 1,382,251
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 284 3,898 SH   SOLE   0 0 3,898
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,221 268,985 SH   SOLE   0 0 268,985
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 462 1,333 SH   SOLE   0 0 1,333
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,375 33,286 SH   SOLE   0 0 33,286
SPDR SER TR S&P 600 SMCP GRW 78464A201 20,610 245,861 SH   SOLE   0 0 245,861
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 18,893 488,940 SH   SOLE   0 0 488,940
WISDOMTREE TR US MIDCAP DIVID 97717W505 211 4,750 SH   SOLE   0 0 4,750