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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102   831,415 14,239 SH   SOLE   0 0 14,239
AIRBNB INC COM CL A 009066101   1,206,220 7,245 SH   SOLE   0 0 7,245
ALPHABET INC CAP STK CL C 02079K107   217,097 75 SH   SOLE   0 0 75
ALPHABET INC CAP STK CL A 02079K305   153,543 53 SH   SOLE   0 0 53
AMAZON COM INC COM 023135106   299,474 90 SH   SOLE   0 0 90
AMGEN INC COM 031162100   204,333 908 SH   SOLE   0 0 908
APPLE INC COM 037833100   3,398,500 19,139 SH   SOLE   0 0 19,139
BK OF AMERICA CORP COM 060505104   744,894 16,743 SH   SOLE   0 0 16,743
EBAY INC. COM 278642103   4,660 70 SH   SOLE   0 0 70
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   24,658 405 SH   SOLE   0 0 405
FULTON FINL CORP PA COM 360271100   85 5 SH   SOLE   0 0 5
GENERAL ELECTRIC CO COM NEW 369604301   343,991 3,641 SH   SOLE   0 0 3,641
INVESCO QQQ TR UNIT SER 1 46090E103   1,104,420 2,776 SH   SOLE   0 0 2,776
ISHARES INC CORE MSCI EMKT 46434G103   9,471,374 158,225 SH   SOLE   0 0 158,225
ISHARES INC ESG AWR MSCI EM 46434G863   13,992 352 SH   SOLE   0 0 352
ISHARES TR S&P 100 ETF 464287101   59,603 272 SH   SOLE   0 0 272
ISHARES TR CORE S&P TTL STK 464287150   45,046 421 SH   SOLE   0 0 421
ISHARES TR SELECT DIVID ETF 464287168   39,573 323 SH   SOLE   0 0 323
ISHARES TR TIPS BD ETF 464287176   32,645 253 SH   SOLE   0 0 253
ISHARES TR CORE S&P500 ETF 464287200   6,606,374 13,850 SH   SOLE   0 0 13,850
ISHARES TR CORE US AGGBD ET 464287226   19,236,437 168,622 SH   SOLE   0 0 168,622
ISHARES TR MSCI EMG MKT ETF 464287234   24,379 499 SH   SOLE   0 0 499
ISHARES TR GLOBAL TECH ETF 464287291   15,518 241 SH   SOLE   0 0 241
ISHARES TR S&P 500 GRWT ETF 464287309   19,468 233 SH   SOLE   0 0 233
ISHARES TR GLOB HLTHCRE ETF 464287325   49,661 550 SH   SOLE   0 0 550
ISHARES TR GLOBAL FINLS ETF 464287333   11,609 145 SH   SOLE   0 0 145
ISHARES TR S&P 500 VAL ETF 464287408   13,917 89 SH   SOLE   0 0 89
ISHARES TR BARCLAYS 7 10 YR 464287440   35 0 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF 464287465   216,284 2,749 SH   SOLE   0 0 2,749
ISHARES TR RUS MDCP VAL ETF 464287473   14,863 121 SH   SOLE   0 0 121
ISHARES TR RUS MD CP GR ETF 464287481   115 1 SH   SOLE   0 0 1
ISHARES TR CORE S&P MCP ETF 464287507   392,527 1,387 SH   SOLE   0 0 1,387
ISHARES TR RUS 1000 VAL ETF 464287598   181,938 1,083 SH   SOLE   0 0 1,083
ISHARES TR RUS 1000 GRW ETF 464287614   64,931 212 SH   SOLE   0 0 212
ISHARES TR RUS 1000 ETF 464287622   134,802 510 SH   SOLE   0 0 510
ISHARES TR RUS 2000 VAL ETF 464287630   12,420 75 SH   SOLE   0 0 75
ISHARES TR RUS 2000 GRW ETF 464287648   19,975 68 SH   SOLE   0 0 68
ISHARES TR RUSSELL 2000 ETF 464287655   26,130 117 SH   SOLE   0 0 117
ISHARES TR RUSSELL 3000 ETF 464287689   126,074 454 SH   SOLE   0 0 454
ISHARES TR U.S. FIN SVC ETF 464287770   9,654 50 SH   SOLE   0 0 50
ISHARES TR U.S. ENERGY ETF 464287796   8,548 284 SH   SOLE   0 0 284
ISHARES TR CORE S&P SCP ETF 464287804   18,710,891 163,400 SH   SOLE   0 0 163,400
ISHARES TR U.S. BAS MTL ETF 464287838   24,618 176 SH   SOLE   0 0 176
ISHARES TR SP SMCP600VL ETF 464287879   15,325 147 SH   SOLE   0 0 147
ISHARES TR S&P SML 600 GWT 464287887   5,830 42 SH   SOLE   0 0 42
ISHARES TR SHRT NAT MUN ETF 464288158   40,586 378 SH   SOLE   0 0 378
ISHARES TR GL CLEAN ENE ETF 464288224   423 20 SH   SOLE   0 0 20
ISHARES TR MSCI ACWI ETF 464288257   4,760 45 SH   SOLE   0 0 45
ISHARES TR EAFE SML CP ETF 464288273   88,392 1,209 SH   SOLE   0 0 1,209
ISHARES TR JPMORGAN USD EMG 464288281   28,884 265 SH   SOLE   0 0 265
ISHARES TR 3 7 YR TREAS BD 464288661   45,250 352 SH   SOLE   0 0 352
ISHARES TR PFD AND INCM SEC 464288687   222,884 5,653 SH   SOLE   0 0 5,653
ISHARES TR US HOME CONS ETF 464288752   3,317 40 SH   SOLE   0 0 40
ISHARES TR US HLTHCR PR ETF 464288828   6,394 22 SH   SOLE   0 0 22
ISHARES TR EAFE VALUE ETF 464288877   62,534 1,241 SH   SOLE   0 0 1,241
ISHARES TR EAFE GRWTH ETF 464288885   43,895 398 SH   SOLE   0 0 398
ISHARES TR MSCI USA QLT FCT 46432F339   86,608 595 SH   SOLE   0 0 595
ISHARES TR MSCI USA VALUE 46432F388   21,809 199 SH   SOLE   0 0 199
ISHARES TR MSCI USA MMENTM 46432F396   96,216 529 SH   SOLE   0 0 529
ISHARES TR CORE MSCI TOTAL 46432F834   94,042 1,326 SH   SOLE   0 0 1,326
ISHARES TR CORE MSCI EAFE 46432F842   1,281,193 17,165 SH   SOLE   0 0 17,165
JPMORGAN CHASE & CO COM 46625H100   148,485 938 SH   SOLE   0 0 938
KOHLS CORP COM 500255104   2,878 58 SH   SOLE   0 0 58
MARATHON PETE CORP COM 56585A102   4,083 64 SH   SOLE   0 0 64
MICROSOFT CORP COM 594918104   1,194,087 3,550 SH   SOLE   0 0 3,550
ONEOK INC NEW COM 682680103   1,273,094 21,666 SH   SOLE   0 0 21,666
PROCTER AND GAMBLE CO COM 742718109   224,758 1,374 SH   SOLE   0 0 1,374
SACHEM CAP CORP COM 78590A109   61,007 10,446 SH   SOLE   0 0 10,446
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   122,572 1,085 SH   SOLE   0 0 1,085
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   16,149,094 141,883 SH   SOLE   0 0 141,883
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   338,547 2,067 SH   SOLE   0 0 2,067
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,391 19 SH   SOLE   0 0 19
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   112,699 1,401 SH   SOLE   0 0 1,401
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,323,996 12,930 SH   SOLE   0 0 12,930
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   127,169 4,293 SH   SOLE   0 0 4,293
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   8,801 284 SH   SOLE   0 0 284
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   105,365 3,241 SH   SOLE   0 0 3,241
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   7,572 136 SH   SOLE   0 0 136
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   89,322 1,524 SH   SOLE   0 0 1,524
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   75,958 940 SH   SOLE   0 0 940
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   825,603 21,240 SH   SOLE   0 0 21,240
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   25,423 472 SH   SOLE   0 0 472
SHOPIFY INC CL A 82509L107   268,591 195 SH   SOLE   0 0 195
SIRIUS XM HOLDINGS INC COM 82968B103   69,438 10,935 SH   SOLE   0 0 10,935
SOUTHERN CO COM 842587107   369,042 5,381 SH   SOLE   0 0 5,381
SPDR S&P 500 ETF TR TR UNIT 78462F103   783,634 1,650 SH   SOLE   0 0 1,650
TESLA INC COM 88160R101   4,574,438 4,329 SH   SOLE   0 0 4,329
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   279,396 3,297 SH   SOLE   0 0 3,297
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,724,944 3,951 SH   SOLE   0 0 3,951
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   603,072 5,198 SH   SOLE   0 0 5,198
VANGUARD INDEX FDS SML CP GRW ETF 922908595   21,698 77 SH   SOLE   0 0 77
VANGUARD INDEX FDS SM CP VAL ETF 922908611   58,581 328 SH   SOLE   0 0 328
VANGUARD INDEX FDS MID CAP ETF 922908629   77,705 305 SH   SOLE   0 0 305
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,403,447 15,399 SH   SOLE   0 0 15,399
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   46,514 254 SH   SOLE   0 0 254
VANGUARD INDEX FDS GROWTH ETF 922908736   442,357 1,378 SH   SOLE   0 0 1,378
VANGUARD INDEX FDS VALUE ETF 922908744   164,356 1,117 SH   SOLE   0 0 1,117
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,865,990 21,530 SH   SOLE   0 0 21,530
VANGUARD INDEX FDS TOTAL STK MKT 922908769   308,826 1,279 SH   SOLE   0 0 1,279
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   86,221 1,407 SH   SOLE   0 0 1,407
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,735,614 95,746 SH   SOLE   0 0 95,746
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,723 53 SH   SOLE   0 0 53
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   294,931 5,371 SH   SOLE   0 0 5,371
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   164,985 961 SH   SOLE   0 0 961
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   15,378,613 301,187 SH   SOLE   0 0 301,187
VANGUARD WORLD FD ESG INTL STK ETF 921910725   29,592 477 SH   SOLE   0 0 477
VANGUARD WORLD FD ESG US STK ETF 921910733   68,650 781 SH   SOLE   0 0 781