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
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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
URBAN ONE INC CL D NON VTG com 91705J204   49,162 13,075 SH   SOLE   0 0 13,075
NUVEEN MUN VALUE FD CEF 670928100   199,881 23,242 SH   SOLE   0 0 23,242
FULTON FINANCIAL CORP-PA com 360271100   201,623 11,980 SH   SOLE   0 0 11,980
PSHRS SP500 LOW VOLATILITY ETF ETF 46138E354   206,476 3,231 SH   SOLE   0 0 3,231
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   211,285 2,797 SH   SOLE   0 0 2,797
BECTON DICKINSON & CO COM com 075887109   214,091 842 SH   SOLE   0 0 842
FIDELITY LOW VOLATILITY FACTOR ETF ETF 316092824   219,309 4,749 SH   SOLE   0 0 4,749
SIMON PPTY GROUP INC NEW COM REIT 828806109   220,371 1,876 SH   SOLE   0 0 1,876
S&P GLOBAL INC COM com 78409V104   228,429 682 SH   SOLE   0 0 682
CONOCOPHILLIPS COM com 20825C104   230,240 1,951 SH   SOLE   0 0 1,951
FORD MOTOR COMPANY com 345370860   234,037 20,124 SH   SOLE   0 0 20,124
EMERSON ELEC CO COM com 291011104   234,268 2,439 SH   SOLE   0 0 2,439
ETFS SILVER TR SILVER SHS ETF ETF 003264108   234,879 10,221 SH   SOLE   0 0 10,221
COMCAST CORP NEW CL A com 20030N101   244,260 6,985 SH   SOLE   0 0 6,985
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   245,553 3,641 SH   SOLE   0 0 3,641
COSTCO WHOLESALE CORP com 22160K105   249,635 547 SH   SOLE   0 0 547
LILLY ELI & CO COM com 532457108   250,168 684 SH   SOLE   0 0 684
ISHR TR MSCI USA MIN VOLAT INDX FD ETF 46429B697   264,316 3,666 SH   SOLE   0 0 3,666
ADOBE SYS INC com 00724F101   264,513 786 SH   SOLE   0 0 786
UNION PAC CORP COM com 907818108   266,873 1,289 SH   SOLE   0 0 1,289
BRISTOL-MYERS SQUIBB CO COM com 110122108   269,581 3,747 SH   SOLE   0 0 3,747
CENTENE CORP DEL COM com 15135B101   271,330 3,309 SH   SOLE   0 0 3,309
INTEL CORP COM com 458140100   276,047 10,444 SH   SOLE   0 0 10,444
BROADCOM INC COM com 11135F101   281,997 504 SH   SOLE   0 0 504
UNITED PARCEL SERVICE INC com 911312106   287,771 1,655 SH   SOLE   0 0 1,655
METLIFE INC COM com 59156R108   289,840 4,005 SH   SOLE   0 0 4,005
TYSON FOODS INC CL A com 902494103   291,043 4,675 SH   SOLE   0 0 4,675
RAYTHEON TECHNOLOGIES CORP COM com 75513E101   294,618 2,919 SH   SOLE   0 0 2,919
HONEYWELL INTL INC com 438516106   295,057 1,377 SH   SOLE   0 0 1,377
UNITEDHEALTH GROUP com 91324P102   310,261 585 SH   SOLE   0 0 585
VERIZON COMMUNICATIONS com 92343V104   314,438 7,981 SH   SOLE   0 0 7,981
MARATHON PETE CORP com 56585A102   316,058 2,716 SH   SOLE   0 0 2,716
JOHN HANCOCK MULTIFACTOR MID CAP ETF 47804J206   316,651 6,804 SH   SOLE   0 0 6,804
ISHARES DJ SELECT DIVIDEND ETF 464287168   318,050 2,637 SH   SOLE   0 0 2,637
FIFTH THIRD BANCORP com 316773100   319,668 9,743 SH   SOLE   0 0 9,743
ISHARES S&P 500 GROWTH ETF ETF 464287309   322,132 5,507 SH   SOLE   0 0 5,507
INTL BUSINESS MACHINES com 459200101   323,489 2,296 SH   SOLE   0 0 2,296
NOVARTIS AG ADR ADR 66987V109   324,108 3,573 SH   SOLE   0 0 3,573
WALMART INC COM com 931142103   328,921 2,320 SH   SOLE   0 0 2,320
SPDR PORT S&P 600 SMALL CAP ETF ETF 78468R853   329,585 8,915 SH   SOLE   0 0 8,915
NEXTERA ENERGY INC COM com 65339F101   334,590 4,002 SH   SOLE   0 0 4,002
BANK AMERICA CORP COM com 060505104   337,310 10,184 SH   SOLE   0 0 10,184
NUVEEN ESG MID-CAP GROWTH ETF ETF 67092P409   337,583 9,590 SH   SOLE   0 0 9,590
HARTFORD MUNICIPAL OPPORTUNITIES ETF 41653L503   338,461 9,011 SH   SOLE   0 0 9,011
GILEAD SCIENCES INC com 375558103   343,100 3,997 SH   SOLE   0 0 3,997
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803   358,769 2,883 SH   SOLE   0 0 2,883
ISHARES TR LEHMAN SHORT TREA BDFD ETF 464288679   361,697 3,291 SH   SOLE   0 0 3,291
CITIGROUP INC com 172967424   363,216 8,030 SH   SOLE   0 0 8,030
VANGUARD SHORT TERM GOVT BD IDX FD ETF 92206C102   365,665 6,324 SH   SOLE   0 0 6,324
WELLS FARGO CO NEW COM com 949746101   367,727 8,906 SH   SOLE   0 0 8,906
GLDMN SCHS ACT EBETA US LRG CAP EQ ETF 381430503   371,667 4,882 SH   SOLE   0 0 4,882
GENERAL MOTORS CORP com 37045V100   372,728 11,080 SH   SOLE   0 0 11,080
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   375,186 11,383 SH   SOLE   0 0 11,383
META PLATFORMS INC CL A com 30303M102   382,200 3,176 SH   SOLE   0 0 3,176
WEYERHAEUSER CO REIT 962166104   397,722 12,830 SH   SOLE   0 0 12,830
PROCTER AND GAMBLE CO COM com 742718109   410,832 2,711 SH   SOLE   0 0 2,711
FRT TRST TCW OPPORTUN FXD INCOME ETF 33740F805   417,442 9,505 SH   SOLE   0 0 9,505
VALERO ENERGY CORP com 91913Y100   428,120 3,375 SH   SOLE   0 0 3,375
ISHR EDGE MSCI MIN VOL GLOBAL ETF ETF 464286525   431,296 4,539 SH   SOLE   0 0 4,539
COCA COLA CO COM com 191216100   431,486 6,783 SH   SOLE   0 0 6,783
CHUBB LIMITED COM com H1467J104   445,167 2,018 SH   SOLE   0 0 2,018
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847   449,666 10,580 SH   SOLE   0 0 10,580
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307   463,229 7,477 SH   SOLE   0 0 7,477
INTERPUBLIC GROUP COS INC COM com 460690100   465,607 13,978 SH   SOLE   0 0 13,978
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   469,531 18,684 SH   SOLE   0 0 18,684
SCHWAB US MID-CAP ETF ETF 808524508   479,704 7,311 SH   SOLE   0 0 7,311
GOLDMAN SACHS ACCESS TREAS 0-1 YEAR ETF 381430529   480,185 4,816 SH   SOLE   0 0 4,816
ABBOTT LABS COM com 002824100   496,340 4,521 SH   SOLE   0 0 4,521
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663   502,150 4,817 SH   SOLE   0 0 4,817
ISHR TR DOW JONESUS AEROSPACE & DEF ETF 464288760   504,278 4,508 SH   SOLE   0 0 4,508
NUVEEN ESG LARGE-CAP GROWTH ETF ETF 67092P201   525,532 10,749 SH   SOLE   0 0 10,749
FEDEX CORP com 31428X106   532,046 3,072 SH   SOLE   0 0 3,072
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   545,202 4,942 SH   SOLE   0 0 4,942
PEPSICO INC COM com 713448108   552,733 3,060 SH   SOLE   0 0 3,060
SCHWAB FUNDAMENTAL US SMALL CO INDX ETF 808524763   562,540 12,041 SH   SOLE   0 0 12,041
CISCO SYS INC com 17275R102   563,660 11,832 SH   SOLE   0 0 11,832
DISNEY WALT CO COM com 254687106   575,933 6,629 SH   SOLE   0 0 6,629
MASTERCARD INC com 57636Q104   585,386 1,683 SH   SOLE   0 0 1,683
SPDR GOLD ETF ETF 78463V107   588,820 3,471 SH   SOLE   0 0 3,471
VISA INC com 92826C839   617,520 2,972 SH   SOLE   0 0 2,972
WISDOMTREE MIDCAP EARNINGS ETF ETF 97717W570   617,675 12,704 SH   SOLE   0 0 12,704
WISDOMTREE FLOATING RATE TREASRY FD ETF 97717Y527   625,426 12,441 SH   SOLE   0 0 12,441
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   658,882 4,339 SH   SOLE   0 0 4,339
NVIDIA CORPORATION COM com 67066G104   659,527 4,513 SH   SOLE   0 0 4,513
JPMORGAN CHASE & CO COM com 46625H100   659,997 4,922 SH   SOLE   0 0 4,922
ISHARES FLOATING RATE BOND ETF ETF 46429B655   665,958 13,232 SH   SOLE   0 0 13,232
CVS HEALTH CORP COM com 126650100   675,523 7,249 SH   SOLE   0 0 7,249
ISHR INT SELECT DIV ETF ETF 464288448   684,359 25,197 SH   SOLE   0 0 25,197
PFIZER INC COM com 717081103   721,960 14,090 SH   SOLE   0 0 14,090
PIMCO INTERMEDIATE MUNI BD ACTIVE ETF 72201R866   762,650 14,843 SH   SOLE   0 0 14,843
MERCK & CO INC com 58933Y105   796,438 7,178 SH   SOLE   0 0 7,178
HEALTH CARE SELECT SECTOR SPDR ETF 81369Y209   809,238 5,957 SH   SOLE   0 0 5,957
ISHARES 10-20 YEAR TREASURY BND ETF ETF 464288653   851,698 7,873 SH   SOLE   0 0 7,873
ISHARES 1-3 YR TREASURY BOND ETF ETF 464287457   874,070 10,768 SH   SOLE   0 0 10,768
VANGUARD HIGH DIVIDEND YIELD ETF 921946406   889,433 8,220 SH   SOLE   0 0 8,220
HOME DEPOT com 437076102   889,847 2,817 SH   SOLE   0 0 2,817
VANGUARD MEGA CAP VALUE ETF ETF 921910840   913,867 8,885 SH   SOLE   0 0 8,885
AT&T INC COM com 00206R102   915,842 49,747 SH   SOLE   0 0 49,747
JANUS HENDERSON SHT DURATION INCOME ETF 47103U886   932,222 19,667 SH   SOLE   0 0 19,667
ABBVIE INC COM com 00287Y109   951,812 5,890 SH   SOLE   0 0 5,890
ISHARES S&P SMALLCAP 600 GROWTH ETF ETF 464287887   976,265 9,034 SH   SOLE   0 0 9,034
PRUDENTIAL FINL INC com 744320102   981,033 9,864 SH   SOLE   0 0 9,864
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505   987,804 24,011 SH   SOLE   0 0 24,011
GLOBAL X NASDAQ 100 COVERED CALL ETF 37954Y483   1,002,661 63,021 SH   SOLE   0 0 63,021
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   1,032,289 10,241 SH   SOLE   0 0 10,241
MEDTRONIC PLC SHS com G5960L103   1,066,139 13,718 SH   SOLE   0 0 13,718
ALPHABET INC CAP STK CL C com 02079K107   1,077,640 12,145 SH   SOLE   0 0 12,145
SPDR NUVEEN BLOOMBERG HY MUNI BD ETF 78464A284   1,080,082 22,056 SH   SOLE   0 0 22,056
ISHARES S&P MIDCAP 400 GROWTH INDEX ETF 464287606   1,113,106 16,297 SH   SOLE   0 0 16,297
LOCKHEED MARTIN CORP com 539830109   1,190,448 2,447 SH   SOLE   0 0 2,447
JOHNSON & JOHNSON COM com 478160104   1,195,009 6,765 SH   SOLE   0 0 6,765
VANGUARD SMALL CAP ETF ETF 922908751   1,210,263 6,594 SH   SOLE   0 0 6,594
CHEVRON CORP NEW COM com 166764100   1,243,891 6,930 SH   SOLE   0 0 6,930
ISHR EDGE MSCI US MOMENT FACTOR ETF ETF 46432F396   1,247,556 8,549 SH   SOLE   0 0 8,549
INVESCO OPT YD DVRSFD CMMDTY STRTGY ETF 46090F100   1,259,622 85,225 SH   SOLE   0 0 85,225
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332   1,264,723 23,210 SH   SOLE   0 0 23,210
SPDR S&P 500 ETF TRUST ETF 78462F103   1,284,550 12,860 SH   SOLE   0 0 12,860
ISH 5-10 YR INVEST GRADE CORP BD ETF 464288638   1,315,391 26,568 SH   SOLE   0 0 26,568
INVESCO S&P MIDCAP VAL WTH MOMENTUM ETF 46137V456   1,326,707 30,125 SH   SOLE   0 0 30,125
ISH BROAD USD HGH YD CORP BD ETF ETF 46435U853   1,328,402 38,471 SH   SOLE   0 0 38,471
EXXON MOBIL CORP COM com 30231G102   1,342,621 12,172 SH   SOLE   0 0 12,172
ISHARES TR S&P 1500 INDEX FD ETF 464287150   1,424,460 16,798 SH   SOLE   0 0 16,798
LOWES COS INC COM com 548661107   1,434,367 7,199 SH   SOLE   0 0 7,199
FID MSCI INFO TECHNOLOGY INDEX ETF ETF 316092808   1,452,653 15,370 SH   SOLE   0 0 15,370
AMAZON.COM INC com 023135106   1,474,116 17,549 SH   SOLE   0 0 17,549
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516   1,494,812 22,738 SH   SOLE   0 0 22,738
VANGUARD FTSE ALL-WORLD EX-US ETF 922042775   1,509,665 30,109 SH   SOLE   0 0 30,109
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570   1,540,599 21,460 SH   SOLE   0 0 21,460
ISHARES TIPS BOND ETF ETF 464287176   1,588,618 14,925 SH   SOLE   0 0 14,925
SCHWAB US TIPS ETF ETF 808524870   1,646,248 31,787 SH   SOLE   0 0 31,787
INVESCO S&P SMALLCAP 600 REVNUE ETF ETF 46138G664   1,653,052 15,231 SH   SOLE   0 0 15,231
GOOGLE INC com 02079K305   1,700,016 19,268 SH   SOLE   0 0 19,268
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604   1,711,593 60,183 SH   SOLE   0 0 60,183
VANGUARD MID CAP ETF 922908629   1,783,079 8,749 SH   SOLE   0 0 8,749
ISHARES FALLEN ANGELS USD BOND ETF ETF 46435G474   1,827,810 74,271 SH   SOLE   0 0 74,271
ISHARES MBS ETF ETF 464288588   1,837,749 19,814 SH   SOLE   0 0 19,814
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   1,933,661 42,989 SH   SOLE   0 0 42,989
ISHR TRST COR MSCI TOT INTL STK ETF ETF 46432F834   2,044,080 35,316 SH   SOLE   0 0 35,316
ISHARES GOLD TRUST ETF ETF 464285204   2,057,309 59,477 SH   SOLE   0 0 59,477
VANGUARD INTRNATNAL HIGH DIV YD ETF ETF 921946794   2,071,952 34,782 SH   SOLE   0 0 34,782
NUVEEN ESG SMALL-CAP ETF ETF 67092P607   2,177,617 63,710 SH   SOLE   0 0 63,710
VANGUARD VALUE ETF ETF 922908744   2,232,305 15,903 SH   SOLE   0 0 15,903
ISHARES OIL & GAS EXPL INDEX FUND ETF 464288851   2,245,726 24,184 SH   SOLE   0 0 24,184
KBW INSURANCE ETF 78464A789   2,321,831 56,699 SH   SOLE   0 0 56,699
PWERSHRS EXCHTRD FD TR DYNCFD BVRGE ETF 46137V753   2,333,416 51,115 SH   SOLE   0 0 51,115
BERKSHIRE HATHAWAY INC DEL CL B NEW com 084670702   2,406,640 7,791 SH   SOLE   0 0 7,791
ISHARES DJ US OIL EQUIPMENTINDEX ETF 464288844   2,532,163 119,442 SH   SOLE   0 0 119,442
IQ MACKAY MUNI INTERMEDIATE ETF ETF 45409F827   2,901,842 120,259 SH   SOLE   0 0 120,259
MKT VECT LEHMAN BRS AMTFREE INTERM ETF 92189H201   2,993,728 65,638 SH   SOLE   0 0 65,638
NUVEEN ESG LARGE-CAP VALUE ETF ETF 67092P300   3,109,210 90,806 SH   SOLE   0 0 90,806
INVESCO TOTAL RETURN BOND ETF ETF 46090A804   3,205,643 68,983 SH   SOLE   0 0 68,983
VANGUARD TOTAL STK MKT ETF 922908769   3,251,822 17,008 SH   SOLE   0 0 17,008
AMPLIFY CWP ENHANCED DIV INCOME ETF ETF 032108409   3,484,154 97,160 SH   SOLE   0 0 97,160
SPDR PORT DEVELOPED WORLD EX-US ETF ETF 78463X889   3,698,386 124,567 SH   SOLE   0 0 124,567
SPDR SER TR LEHMAN 1-3 MNTH T-BILL ETF 78468R663   3,880,396 42,423 SH   SOLE   0 0 42,423
FIDELITY VALUE FACTOR ETF ETF 316092782   4,392,106 100,162 SH   SOLE   0 0 100,162
ISHR TRUST CORE SHRT TERM US BD ETF ETF 46432F859   4,694,400 101,085 SH   SOLE   0 0 101,085
VANGUARD EXTENDED MARKET ETF ETF 922908652   4,696,275 35,348 SH   SOLE   0 0 35,348
ISHARES MSCI INTL QUALITY FACTR ETF ETF 46434V456   4,830,385 149,132 SH   SOLE   0 0 149,132
VANGUARD GROWTH ETF ETF 922908736   5,845,428 27,429 SH   SOLE   0 0 27,429
ISHR IBOXX HIGH YIELD CORP BD ETF ETF 464288513   5,958,142 80,920 SH   SOLE   0 0 80,920
INVESCO QQQ TRUST ETF 46090E103   5,973,473 22,433 SH   SOLE   0 0 22,433
ISHARES 0-5 YR TIPS BOND ETF ETF 46429B747   6,980,969 71,998 SH   SOLE   0 0 71,998
ISHARES S&P 500 VALUE ETF ETF 464287408   7,028,379 48,448 SH   SOLE   0 0 48,448
BERKSHIRE HATHAWAY INC DEL CL A com 084670108   7,030,664 15 SH   SOLE   0 0 15
XTRACKERS MSCI EAFE HEDGED EQTY ETF ETF 233051200   7,294,214 226,318 SH   SOLE   0 0 226,318
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   7,772,545 85,123 SH   SOLE   0 0 85,123
FIRST TR TCW UNCONSTRAINED PLUS BD ETF 33740F888   8,709,176 361,227 SH   SOLE   0 0 361,227
PIMCO ACTIVE BOND ETF ETF 72201R775   8,730,660 96,493 SH   SOLE   0 0 96,493
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   9,452,749 189,055 SH   SOLE   0 0 189,055
SPDR DOUBLELINE TOT RETURN TACT ETF ETF 78467V848   9,623,453 240,346 SH   SOLE   0 0 240,346
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   9,875,278 194,894 SH   SOLE   0 0 194,894
VANECK SHORT MUNI ETF ETF 92189F528   9,969,086 590,586 SH   SOLE   0 0 590,586
APPLE INC com 037833100   10,324,345 79,461 SH   SOLE   0 0 79,461
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600   10,324,904 161,377 SH   SOLE   0 0 161,377
FIDELITY MSCI FINANCIALS INDEX ETF ETF 316092501   10,858,488 226,502 SH   SOLE   0 0 226,502
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414   11,776,501 111,604 SH   SOLE   0 0 111,604
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   13,608,205 570,814 SH   SOLE   0 0 570,814
BHP GROUP LTD SPONSORED ADS ADR 088606108   14,479,506 233,352 SH   SOLE   0 0 233,352
VANGUARD S&P 500 ETF ETF 922908363   14,566,320 41,459 SH   SOLE   0 0 41,459
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   17,561,647 451,572 SH   SOLE   0 0 451,572
COLGATE PALMOLIVE CO COM com 194162103   18,067,742 229,315 SH   SOLE   0 0 229,315
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   19,505,876 417,685 SH   SOLE   0 0 417,685
FIDELITY TOTAL BOND ETF ETF 316188309   20,863,149 463,420 SH   SOLE   0 0 463,420
VANGUARD SHORT TERM CORP BD FD ETF ETF 92206C409   21,755,591 289,342 SH   SOLE   0 0 289,342
MICROSOFT com 594918104   22,173,670 92,460 SH   SOLE   0 0 92,460
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   28,478,731 201,619 SH   SOLE   0 0 201,619
ISHARES AGGREGATE BOND ETF ETF 464287226   43,141,726 444,806 SH   SOLE   0 0 444,806
ISHARES CORE S&P MID CAP ETF ETF 464287507   63,816,742 263,825 SH   SOLE   0 0 263,825
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   71,987,892 760,650 SH   SOLE   0 0 760,650
ISHARES CORE MSCI EAFE ETF 46432F842   75,981,894 1,232,672 SH   SOLE   0 0 1,232,672
ISHARES S&P 500 INDEX ETF 464287200   119,796,457 311,799 SH   SOLE   0 0 311,799