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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 346 12,548 SH   SOLE   0 0 12,548
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 352 14,103 SH   SOLE   0 0 14,103
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 4,101 63,225 SH   SOLE   0 0 63,225
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 882 28,600 SH   SOLE   0 0 28,600
ISHARES TR MSCI EMG MKT ETF 464287234 497 11,009 SH   SOLE   0 0 11,009
ISHARES TR RUS MDCP VAL ETF 464287473 3,153 26,356 SH   SOLE   0 0 26,356
ISHARES TR RUS MD CP GR ETF 464287481 1,473 14,661 SH   SOLE   0 0 14,661
ISHARES TR CORE S&P MCP ETF 464287507 41,058 153,010 SH   SOLE   0 0 153,010
ISHARES TR RUS 1000 VAL ETF 464287598 4,490 27,050 SH   SOLE   0 0 27,050
ISHARES TR RUS 1000 GRW ETF 464287614 8,515 30,671 SH   SOLE   0 0 30,671
ISHARES TR CORE S&P SCP ETF 464287804 28,028 259,806 SH   SOLE   0 0 259,806
ISHARES TR GL CLEAN ENE ETF 464288224 468 21,754 SH   SOLE   0 0 21,754
ISHARES TR MSCI ACWI EX US 464288240 8,949 171,213 SH   SOLE   0 0 171,213
ISHARES TR JPMORGAN USD EMG 464288281 5,026 51,411 SH   SOLE   0 0 51,411
ISHARES TR MSCI KLD400 SOC 464288570 1,786 20,618 SH   SOLE   0 0 20,618
ISHARES TR ISHS 1-5YR INVS 464288646 2,808 54,287 SH   SOLE   0 0 54,287
ISHARES TR PFD AND INCM SEC 464288687 1,987 54,564 SH   SOLE   0 0 54,564
ISHARES TR GRWT ALLOCAT ETF 464289867 3,866 71,643 SH   SOLE   0 0 71,643
ISHARES TR CORE MSCI TOTAL 46432F834 763 11,460 SH   SOLE   0 0 11,460
ISHARES INC CORE MSCI EMKT 46434G103 997 17,952 SH   SOLE   0 0 17,952
ISHARES TR ESG AWARE MSCI 46435U663 971 25,532 SH   SOLE   0 0 25,532
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 667 13,170 SH   SOLE   0 0 13,170
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,688 53,455 SH   SOLE   0 0 53,455
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 389 10,225 SH   SOLE   0 0 10,225
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 444 11,138 SH   SOLE   0 0 11,138
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 709 25,771 SH   SOLE   0 0 25,771
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,563 18,640 SH   SOLE   0 0 18,640
SPDR SER TR S&P 600 SMCP VAL 78464A300 11,897 142,771 SH   SOLE   0 0 142,771
SPDR SER TR S&P 400 MDCP VAL 78464A839 5,358 76,134 SH   SOLE   0 0 76,134
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 519 11,550 SH   SOLE   0 0 11,550
SPDR SER TR NUVEEN BLMBRG MU 78468R721 3,099 64,729 SH   SOLE   0 0 64,729
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 422,105 7,838,532 SH   SOLE   0 0 7,838,532
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,815 91,084 SH   SOLE   0 0 91,084
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,416 243,961 SH   SOLE   0 0 243,961
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,290 162,002 SH   SOLE   0 0 162,002
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,623 224,306 SH   SOLE   0 0 224,306
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 356 12,818 SH   SOLE   0 0 12,818
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,556 19,722 SH   SOLE   0 0 19,722
SCHWAB STRATEGIC TR US TIPS ETF 808524870 21,794 358,976 SH   SOLE   0 0 358,976
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,873 128,349 SH   SOLE   0 0 128,349
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 23,387 406,088 SH   SOLE   0 0 406,088
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,072 174,990 SH   SOLE   0 0 174,990
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 21,050 50,702 SH   SOLE   0 0 50,702
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 15,287 102,137 SH   SOLE   0 0 102,137
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 7,183 32,236 SH   SOLE   0 0 32,236
VANGUARD INDEX FDS SML CP GRW ETF 922908595 12,509 50,413 SH   SOLE   0 0 50,413
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,937 39,427 SH   SOLE   0 0 39,427
VANGUARD INDEX FDS MID CAP ETF 922908629 4,932 20,739 SH   SOLE   0 0 20,739
VANGUARD INDEX FDS LARGE CAP ETF 922908637 19,777 94,858 SH   SOLE   0 0 94,858
VANGUARD INDEX FDS GROWTH ETF 922908736 43,413 150,949 SH   SOLE   0 0 150,949
VANGUARD INDEX FDS VALUE ETF 922908744 49,175 332,761 SH   SOLE   0 0 332,761
ACTIVISION BLIZZARD INC COM 00507V109 4 51 SH   SOLE   0 0 51
ALLSTATE CORP COM 020002101 18 132 SH   SOLE   0 0 132
APPLE INC COM 037833100 86 492 SH   SOLE   0 0 492
ARCHER DANIELS MIDLAND CO COM 039483102 83 918 SH   SOLE   0 0 918
BK OF AMERICA CORP COM 060505104 45 1,096 SH   SOLE   0 0 1,096
CAMDEN NATL CORP COM 133034108 14 289 SH   SOLE   0 0 289
CATERPILLAR INC COM 149123101 89 400 SH   SOLE   0 0 400
CITIGROUP INC COM NEW 172967424 24 450 SH   SOLE   0 0 450
CORTEVA INC COM 22052L104 11 187 SH   SOLE   0 0 187
CRAWFORD & CO CL A 224633206 6 750 SH   SOLE   0 0 750
DOW INC COM 260557103 12 187 SH   SOLE   0 0 187
DUPONT DE NEMOURS INC COM 26614N102 14 187 SH   SOLE   0 0 187
EMERSON ELEC CO COM 291011104 47 484 SH   SOLE   0 0 484
F N B CORP COM 302520101 37 3,000 SH   SOLE   0 0 3,000
GENERAL ELECTRIC CO COM NEW 369604301 44 484 SH   SOLE   0 0 484
HANOVER INS GROUP INC COM 410867105 60 400 SH   SOLE   0 0 400
HERSHEY CO COM 427866108 209 965 SH   SOLE   0 0 965
JOHNSON & JOHNSON COM 478160104 283 1,598 SH   SOLE   0 0 1,598
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 23 4,000 SH   SOLE   0 0 4,000
NUTRIEN LTD COM 67077M108 11 102 SH   SOLE   0 0 102
PPL CORP COM 69351T106 14 500 SH   SOLE   0 0 500
PROCTER AND GAMBLE CO COM 742718109 117 763 SH   SOLE   0 0 763
DEUTSCHE BANK A G NAMEN AKT D18190898 105 8,314 SH   SOLE   0 0 8,314
CHUBB LIMITED COM H1467J104 53 248 SH   SOLE   0 0 248