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
ABBVIE INC COM 00287Y109 234 1,745 SH   SOLE   0 0 1,745
ALPHABET INC CAP STK CL A 02079K305 202 2,115 SH   SOLE   0 0 2,115
AMAZON COM INC COM 023135106 520 4,601 SH   SOLE   0 0 4,601
AMERICAN TOWER CORP NEW COM 03027X100 474 2,210 SH   SOLE   0 0 2,210
AMGEN INC COM 031162100 227 1,005 SH   SOLE   0 0 1,005
APPLE INC COM 037833100 2,727 19,734 SH   SOLE   0 0 19,734
ARTESIAN RES CORP CL A 043113208 374 7,764 SH   SOLE   0 0 7,764
BK OF AMERICA CORP COM 060505104 765 25,315 SH   SOLE   0 0 25,315
BRISTOL-MYERS SQUIBB CO COM 110122108 756 10,635 SH   SOLE   0 0 10,635
BROADCOM INC COM 11135F101 561 1,265 SH   SOLE   0 0 1,265
CHEVRON CORP NEW COM 166764100 237 1,651 SH   SOLE   0 0 1,651
CISCO SYS INC COM 17275R102 408 10,189 SH   SOLE   0 0 10,189
CITIGROUP INC COM NEW 172967424 390 9,367 SH   SOLE   0 0 9,367
COCA COLA CO COM 191216100 558 9,964 SH   SOLE   0 0 9,964
CODORUS VY BANCORP INC COM 192025104 209 11,112 SH   SOLE   0 0 11,112
COMCAST CORP NEW CL A 20030N101 338 11,540 SH   SOLE   0 0 11,540
DENTSPLY SIRONA INC COM 24906P109 726 25,604 SH   SOLE   0 0 25,604
EATON VANCE TAX ADVT DIV INC COM 27828G107 239 11,006 SH   SOLE   0 0 11,006
EXXON MOBIL CORP COM 30231G102 213 2,445 SH   SOLE   0 0 2,445
GENERAL ELECTRIC CO COM NEW 369604301 268 4,331 SH   SOLE   0 0 4,331
HERSHEY CO COM 427866108 525 2,382 SH   SOLE   0 0 2,382
HOME DEPOT INC COM 437076102 1,011 3,662 SH   SOLE   0 0 3,662
INTEL CORP COM 458140100 448 17,383 SH   SOLE   0 0 17,383
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 4,062 164,799 SH   SOLE   0 0 164,799
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 1,862 38,763 SH   SOLE   0 0 38,763
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 7,463 212,743 SH   SOLE   0 0 212,743
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 2,142 132,392 SH   SOLE   0 0 132,392
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 3,248 56,173 SH   SOLE   0 0 56,173
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 1,926 25,743 SH   SOLE   0 0 25,743
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 3,737 25,648 SH   SOLE   0 0 25,648
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 2,135 15,382 SH   SOLE   0 0 15,382
INVESCO QQQ TR UNIT SER 1 46090E103 296 1,107 SH   SOLE   0 0 1,107
ISHARES INC MSCI EMERG MRKT 464286533 1,769 34,896 SH   SOLE   0 0 34,896
ISHARES TR CORE DIV GRWTH 46434V621 2,510 56,448 SH   SOLE   0 0 56,448
ISHARES TR MSCI EAFE ETF 464287465 1,472 26,280 SH   SOLE   0 0 26,280
ISHARES TR MSCI EMG MKT ETF 464287234 580 16,643 SH   SOLE   0 0 16,643
ISHARES TR INTL SEL DIV ETF 464288448 3,281 145,643 SH   SOLE   0 0 145,643
ISHARES TR CORE S&P500 ETF 464287200 958 2,672 SH   SOLE   0 0 2,672
ISHARES TR RUSSELL 2000 ETF 464287655 474 2,874 SH   SOLE   0 0 2,874
ISHARES TR CORE S&P MCP ETF 464287507 545 2,484 SH   SOLE   0 0 2,484
JOHNSON & JOHNSON COM 478160104 1,197 7,329 SH   SOLE   0 0 7,329
JPMORGAN CHASE & CO COM 46625H100 889 8,510 SH   SOLE   0 0 8,510
LISTED FD TR SHARES SML CAP 53656F888 403 15,091 SH   SOLE   0 0 15,091
LISTED FD TR SHARES FOREIGN 53656F870 805 42,610 SH   SOLE   0 0 42,610
LISTED FD TR SHARES LAG CAP 53656F805 410 14,304 SH   SOLE   0 0 14,304
MASTERCARD INCORPORATED CL A 57636Q104 529 1,861 SH   SOLE   0 0 1,861
MCDONALDS CORP COM 580135101 521 2,256 SH   SOLE   0 0 2,256
MERCK & CO INC COM 58933Y105 718 8,335 SH   SOLE   0 0 8,335
MICROSOFT CORP COM 594918104 810 3,476 SH   SOLE   0 0 3,476
MONDELEZ INTL INC CL A 609207105 303 5,524 SH   SOLE   0 0 5,524
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 319 29,106 SH   SOLE   0 0 29,106
NVIDIA CORPORATION COM 67066G104 732 6,028 SH   SOLE   0 0 6,028
PAYCHEX INC COM 704326107 295 2,628 SH   SOLE   0 0 2,628
PAYPAL HLDGS INC COM 70450Y103 363 4,220 SH   SOLE   0 0 4,220
PEPSICO INC COM 713448108 628 3,848 SH   SOLE   0 0 3,848
PFIZER INC COM 717081103 524 11,968 SH   SOLE   0 0 11,968
PHILLIPS 66 COM 718546104 346 4,287 SH   SOLE   0 0 4,287
PNC FINL SVCS GROUP INC COM 693475105 237 1,584 SH   SOLE   0 0 1,584
PROCTER AND GAMBLE CO COM 742718109 545 4,320 SH   SOLE   0 0 4,320
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,909 73,892 SH   SOLE   0 0 73,892
SCHWAB STRATEGIC TR US TIPS ETF 808524870 394 7,605 SH   SOLE   0 0 7,605
SHERWIN WILLIAMS CO COM 824348106 206 1,008 SH   SOLE   0 0 1,008
SPDR S&P 500 ETF TR TR UNIT 78462F103 541 1,515 SH   SOLE   0 0 1,515
SPDR SER TR SSGA US SMAL ETF 78468R887 2,051 20,777 SH   SOLE   0 0 20,777
SPDR SER TR S&P DIVID ETF 78464A763 5,695 51,076 SH   SOLE   0 0 51,076
TEXAS INSTRS INC COM 882508104 412 2,659 SH   SOLE   0 0 2,659
UNITEDHEALTH GROUP INC COM 91324P102 733 1,451 SH   SOLE   0 0 1,451
V F CORP COM 918204108 201 6,721 SH   SOLE   0 0 6,721
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,515 115,553 SH   SOLE   0 0 115,553
VANGUARD INDEX FDS TOTAL STK MKT 922908769 409 2,277 SH   SOLE   0 0 2,277
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,723 21,843 SH   SOLE   0 0 21,843
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,006 16,228 SH   SOLE   0 0 16,228
VANGUARD WORLD FD EXTENDED DUR 921910709 1,900 21,917 SH   SOLE   0 0 21,917
VANGUARD WORLD FDS INF TECH ETF 92204A702 217 707 SH   SOLE   0 0 707
WELLS FARGO CO NEW COM 949746101 211 5,258 SH   SOLE   0 0 5,258
YORK WTR CO COM 987184108 1,068 27,802 SH   SOLE   0 0 27,802