Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAC	DIMENSIONAL ETF TRUST	3,355,349	$90.53M	21.1%	$26.98	—	US CORE EQUITY 2	25434V708
DFAU	DIMENSIONAL ETF TRUST	2,453,319	$74.11M	17.3%	$28.18	—	US CORE EQT MKT	25434V104
AGG	ISHARES TR	474,095	$54.68M	12.8%	$116.26	—	CORE US AGGBD ET	464287226
MUB	ISHARES TR	307,733	$36.07M	8.4%	$115.05	—	NATIONAL MUN ETF	464288414
SCHX	SCHWAB STRATEGIC TR	233,341	$24.26M	5.7%	$76.96	—	US LRG CAP ETF	808524201
QUAL	ISHARES TR	126,800	$16.85M	3.9%	$90.75	—	MSCI USA QLT FCT	46432F339
SCHO	SCHWAB STRATEGIC TR	273,618	$14.02M	3.3%	$50.77	—	SHT TM US TRES	808524862
SCHB	SCHWAB STRATEGIC TR	132,035	$13.77M	3.2%	$78.92	—	US BRD MKT ETF	808524102
IXUS	ISHARES TR	154,114	$11.3M	2.6%	$63.68	—	CORE MSCI TOTAL	46432F834
SUB	ISHARES TR	97,334	$10.49M	2.5%	$107.88	—	SHRT NAT MUN ETF	464288158
SCHM	SCHWAB STRATEGIC TR	119,034	$9.317M	2.2%	$59.87	—	US MID-CAP ETF	808524508
IWM	ISHARES TR	32,765	$7.515M	1.8%	$136.79	—	RUSSELL 2000 ETF	464287655
VLUE	ISHARES TR	46,208	$4.855M	1.1%	$101.72	—	MSCI USA VALUE	46432F388
EFG	ISHARES TR	42,109	$4.517M	1.1%	$100.47	—	EAFE GRWTH ETF	464288885
ESGE	ISHARES INC	99,337	$4.485M	1.0%	$43.33	—	ESG AWR MSCI EM	46434G863
MTUM	ISHARES TR	24,372	$4.227M	1.0%	$161.14	—	MSCI USA MMENTM	46432F396
VTI	VANGUARD INDEX FDS	17,650	$3.933M	0.9%	$159.28	—	TOTAL STK MKT	922908769
AAPL	APPLE INC	26,663	$3.652M	0.9%	$100.04	+26.4%	COM	037833100
IVV	ISHARES TR	8,476	$3.644M	0.9%	$300.77	—	CORE S&P500 ETF	464287200
VEU	VANGUARD INTL EQUITY INDEX F	39,041	$2.475M	0.6%	$49.44	—	ALLWRLD EX US	922042775
WFC	WELLS FARGO CO NEW	40,704	$1.843M	0.4%	$44.19	-9.5%	COM	949746101
MRBK	MERIDIAN CORPORATION	67,868	$1.782M	0.4%	$7.41	+45.8%	COM	58958P104
HD	HOME DEPOT INC	4,862	$1.55M	0.4%	$194.99	+45.6%	COM	437076102
SCHD	SCHWAB STRATEGIC TR	18,312	$1.385M	0.3%	$62.87	—	US DIVIDEND EQ	808524797
ITOT	ISHARES TR	13,809	$1.364M	0.3%	$57.23	—	CORE S&P TTL STK	464287150
TXN	TEXAS INSTRS INC	6,562	$1.261M	0.3%	$103.71	+58.3%	COM	882508104
MSFT	MICROSOFT CORP	4,248	$1.15M	0.3%	$146.75	+66.8%	COM	594918104
LMT	LOCKHEED MARTIN CORP	3,015	$1.141M	0.3%	$324.46	+4.3%	COM	539830109
VB	VANGUARD INDEX FDS	4,971	$1.12M	0.3%	$142.45	—	SMALL CP ETF	922908751
VTEB	VANGUARD MUN BD FDS	20,031	$1.108M	0.3%	$55.05	—	TAX EXEMPT BD	922907746
SCHZ	SCHWAB STRATEGIC TR	18,955	$1.035M	0.2%	$54.66	—	US AGGREGATE B	808524839
VOO	VANGUARD INDEX FDS	2,457	$967K	0.2%	$294.35	—	S&P 500 ETF SHS	922908363
BRK/B	BERKSHIRE HATHAWAY INC DEL	3,428	$953K	0.2%	$217.35	+28.6%	CL B NEW	084670702
META	FACEBOOK INC	2,622	$912K	0.2%	$250.25	+27.3%	CL A	30303M102
ABT	ABBOTT LABS	7,344	$851K	0.2%	$75.30	+42.5%	COM	002824100
AMZN	AMAZON COM INC	246	$846K	0.2%	$109.52	+51.7%	COM	023135106
CBU	COMMUNITY BK SYS INC	10,883	$823K	0.2%	$55.58	+22.4%	COM	203607106
GOOGL	ALPHABET INC	305	$745K	0.2%	$80.61	+43.8%	CAP STK CL A	02079K305
XOM	EXXON MOBIL CORP	11,677	$737K	0.2%	$51.72	-3.3%	COM	30231G102
SPGI	S&P GLOBAL INC	1,633	$670K	0.2%	$248.33	+48.9%	COM	78409V104
USMV	ISHARES TR	7,963	$586K	0.1%	$64.34	—	MSCI USA MIN VOL	46429B697
TSLA	TESLA INC	787	$535K	0.1%	$117.22	+85.2%	COM	88160R101
VEA	VANGUARD TAX-MANAGED INTL FD	10,275	$529K	0.1%	$42.99	—	FTSE DEV MKT ETF	921943858
CMCSA	COMCAST CORP NEW	7,044	$402K	0.1%	$38.13	+28.7%	CL A	20030N101
SPY	SPDR S&P 500 ETF TR	917	$393K	0.1%	$295.73	—	TR UNIT	78462F103
PG	PROCTER AND GAMBLE CO	2,839	$383K	0.1%	$105.19	+14.8%	COM	742718109
VO	VANGUARD INDEX FDS	1,597	$379K	0.1%	$177.77	—	MID CAP ETF	922908629
BND	VANGUARD BD INDEX FDS	4,354	$374K	0.1%	$84.26	—	TOTAL BND MRKT	921937835
JPM	JPMORGAN CHASE & CO	2,154	$335K	0.1%	$107.99	+29.4%	COM	46625H100
CL	COLGATE PALMOLIVE CO	4,065	$330K	0.1%	$59.11	+24.2%	COM	194162103
GLD	SPDR GOLD TR	1,886	$312K	0.1%	$148.46	—	GOLD SHS	78463V107
T	AT&T INC	10,747	$310K	0.1%	$18.46	-7.9%	COM	00206R102
VIG	VANGUARD SPECIALIZED FUNDS	1,986	$307K	0.1%	$131.78	—	DIV APP ETF	921908844
BSV	VANGUARD BD INDEX FDS	3,721	$306K	0.1%	$80.90	—	SHORT TRM BOND	921937827
SBUX	STARBUCKS CORP	2,705	$303K	0.1%	$74.04	+37.3%	COM	855244109
LOW	LOWES COS INC	1,564	$303K	0.1%	$104.73	+71.4%	COM	548661107
PFE	PFIZER INC	7,675	$300K	0.1%	$27.14	+14.2%	COM	717081103
PEP	PEPSICO INC	2,019	$299K	0.1%	$112.78	+11.9%	COM	713448108
BA	BOEING CO	1,246	$299K	0.1%	$333.03	-27.4%	COM	097023105
VXUS	VANGUARD STAR FDS	4,559	$299K	0.1%	$56.90	—	VG TL INTL STK F	921909768
—	GENERAL ELECTRIC CO	21,971	$295K	0.1%	$11.00	—	COM	369604103
GOOG	ALPHABET INC	116	$291K	0.1%	$68.85	+71.8%	CAP STK CL C	02079K107
MCD	MCDONALDS CORP	1,248	$288K	0.1%	$172.28	+21.5%	COM	580135101
NVDA	NVIDIA CORPORATION	344	$275K	0.1%	$10.45	+53.0%	COM	67066G104
BIV	VANGUARD BD INDEX FDS	3,056	$275K	0.1%	$87.83	—	INTERMED TERM	921937819
FULT	FULTON FINL CORP PA	17,346	$273K	0.1%	$13.02	+7.4%	COM	360271100
JNJ	JOHNSON & JOHNSON	1,618	$267K	0.1%	$115.31	+25.7%	COM	478160104
QQQ	INVESCO QQQ TR	715	$253K	0.1%	$296.41	—	UNIT SER 1	46090E103
BABA	ALIBABA GROUP HLDG LTD	1,087	$247K	0.1%	$219.30	—	SPONSORED ADS	01609W102
IWB	ISHARES TR	950	$230K	0.1%	$178.00	—	RUS 1000 ETF	464287622
SCHA	SCHWAB STRATEGIC TR	2,169	$226K	0.1%	$76.07	—	US SML CAP ETF	808524607
DIS	DISNEY WALT CO	1,282	$225K	0.1%	$136.90	+28.3%	COM	254687106
NJR	NEW JERSEY RES CORP	5,592	$221K	0.1%	$34.36	+3.5%	COM	646025106
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,580	$214K	0.0%	$49.14	+7.6%	COM	744573106
DFUS	DIMENSIONAL ETF TRUST	4,496	$212K	0.0%	$47.15	—	US EQUITY ETF	25434V401
VERX	VERTEX INC	9,172	$201K	0.0%	$27.19	-25.3%	CL A	92538J106
—	DIGITAL MEDIA SOLUTIONS INC	11,728	$114K	0.0%	$12.01	—	COM CL A	25401G106
—	SUNDIAL GROWERS INC	12,000	$11,000	0.0%	$1.05	—	COM	86730L109