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
Expires: July 31, 2015
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
AMAZON COM INC COM 023135106 314,166 1,432 SH SOLE 0 0 1,432
APPLE INC COM 037833100 1,371,017 6,682 SH SOLE 0 0 6,682
ARCH CAP GROUP LTD ORD G0450A105 837,296 9,196 SH SOLE 0 0 9,196
AT&T INC COM 00206R102 289,408 10,000 SH SOLE 0 0 10,000
AUTOMATIC DATA PROCESSING IN COM 053015103 283,004 918 SH SOLE 0 0 918
COSTCO WHSL CORP NEW COM 22160K105 516,795 522 SH SOLE 0 0 522
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 202,525 6,896 SH SOLE 0 0 6,896
FIFTH THIRD BANCORP COM 316773100 248,754 6,048 SH SOLE 0 0 6,048
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,359,457 22,624 SH SOLE 0 0 22,624
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 10,745,851 254,219 SH SOLE 0 0 254,219
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 283,914 5,894 SH SOLE 0 0 5,894
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 648,561 14,170 SH SOLE 0 0 14,170
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 2,733,538 25,626 SH SOLE 0 0 25,626
INVESCO QQQ TR UNIT SER 1 46090E103 369,202 669 SH SOLE 0 0 669
ISHARES INC CORE MSCI EMKT 46434G103 3,964,515 66,042 SH SOLE 0 0 66,042
ISHARES TR CORE DIV GRWTH 46434V621 1,845,828 28,868 SH SOLE 0 0 28,868
ISHARES TR CORE MSCI EAFE 46432F842 7,920,063 94,874 SH SOLE 0 0 94,874
ISHARES TR CORE S&P MCP ETF 464287507 243,555 3,927 SH SOLE 0 0 3,927
ISHARES TR CORE S&P TTL STK 464287150 1,146,625 8,491 SH SOLE 0 0 8,491
ISHARES TR CORE S&P500 ETF 464287200 1,943,417 3,130 SH SOLE 0 0 3,130
ISHARES TR CRE U S REIT ETF 464288521 19,106,369 337,807 SH SOLE 0 0 337,807
ISHARES TR MORNINGSTAR GRWT 464287119 1,660,672 17,138 SH SOLE 0 0 17,138
ISHARES TR MRGSTR MD CP GRW 464288307 18,140,645 226,108 SH SOLE 0 0 226,108
ISHARES TR MRGSTR MD CP VAL 464288406 7,667,327 100,912 SH SOLE 0 0 100,912
ISHARES TR MRGSTR SM CP GR 464288604 1,585,254 31,858 SH SOLE 0 0 31,858
ISHARES TR MRNING SM CP ETF 464288703 2,644,558 43,078 SH SOLE 0 0 43,078
ISHARES TR MSCI ACWI ETF 464288257 223,635 1,739 SH SOLE 0 0 1,739
ISHARES TR MSCI EAFE ETF 464287465 264,684 2,961 SH SOLE 0 0 2,961
ISHARES TR RUS 1000 GRW ETF 464287614 57,696,192 135,890 SH SOLE 0 0 135,890
ISHARES TR RUS 1000 VAL ETF 464287598 791,099 4,073 SH SOLE 0 0 4,073
ISHARES TR RUS 2000 GRW ETF 464287648 5,591,851 19,562 SH SOLE 0 0 19,562
ISHARES TR RUS 2000 VAL ETF 464287630 874,779 5,545 SH SOLE 0 0 5,545
ISHARES TR RUS MD CP GR ETF 464287481 58,410,481 421,189 SH SOLE 0 0 421,189
ISHARES TR RUS MDCP VAL ETF 464287473 22,698,463 171,776 SH SOLE 0 0 171,776
ISHARES TR RUS TP200 GR ETF 464289438 403,783 1,638 SH SOLE 0 0 1,638
ISHARES TR S&P 500 GRWT ETF 464287309 16,707,231 151,746 SH SOLE 0 0 151,746
ISHARES TR S&P 500 VAL ETF 464287408 9,516,192 48,696 SH SOLE 0 0 48,696
ISHARES TR S&P MC 400GR ETF 464287606 7,530,153 82,767 SH SOLE 0 0 82,767
ISHARES TR S&P MC 400VL ETF 464287705 1,678,964 13,586 SH SOLE 0 0 13,586
ISHARES TR S&P SML 600 GWT 464287887 9,575,711 71,976 SH SOLE 0 0 71,976
ISHARES TR SHRT NAT MUN ETF 464288158 340,288 3,200 SH SOLE 0 0 3,200
ISHARES TR SP SMCP600VL ETF 464287879 5,540,440 55,688 SH SOLE 0 0 55,688
ISHARES TR U.S. REAL ES ETF 464287739 3,647,825 38,491 SH SOLE 0 0 38,491
J & J SNACK FOODS CORP COM 466032109 306,434 2,702 SH SOLE 0 0 2,702
LOWES COS INC COM 548661107 3,256,386 14,677 SH SOLE 0 0 14,677
MARTIN MARIETTA MATLS INC COM 573284106 238,249 434 SH SOLE 0 0 434
MICROSOFT CORP COM 594918104 1,951,673 3,924 SH SOLE 0 0 3,924
NVIDIA CORPORATION COM 67066G104 1,469,715 9,303 SH SOLE 0 0 9,303
ORRSTOWN FINL SVCS INC COM 687380105 424,389 13,333 SH SOLE 0 0 13,333
PARKER-HANNIFIN CORP COM 701094104 2,175,734 3,115 SH SOLE 0 0 3,115
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 499,493 9,956 SH SOLE 0 0 9,956
PROCTER AND GAMBLE CO COM 742718109 265,618 1,667 SH SOLE 0 0 1,667
PROSHARES TR ULTRAPRO QQQ 74347X831 348,766 4,202 SH SOLE 0 0 4,202
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 212,649 7,280 SH SOLE 0 0 7,280
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 333,618 1,317 SH SOLE 0 0 1,317
SOUTHERN CO COM 842587107 250,466 2,728 SH SOLE 0 0 2,728
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 2,076,625 54,476 SH SOLE 0 0 54,476
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 14,809,412 346,500 SH SOLE 0 0 346,500
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 14,707,055 363,227 SH SOLE 0 0 363,227
SPDR S&P 500 ETF TR TR UNIT 78462F103 249,611 404 SH SOLE 0 0 404
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 47,245,024 1,564,923 SH SOLE 0 0 1,564,923
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 46,471,598 487,533 SH SOLE 0 0 487,533
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 25,526,017 487,696 SH SOLE 0 0 487,696
SPDR SERIES TRUST RUSSELL YIELD 78468R770 223,139 2,061 SH SOLE 0 0 2,061
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 16,870,093 194,199 SH SOLE 0 0 194,199
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 17,122,393 215,566 SH SOLE 0 0 215,566
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 36,733,465 413,898 SH SOLE 0 0 413,898
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 26,840,468 336,515 SH SOLE 0 0 336,515
SPDR SERIES TRUST S&P DIVID ETF 78464A763 502,201 3,700 SH SOLE 0 0 3,700
TESLA INC COM 88160R101 226,809 714 SH SOLE 0 0 714
THERMO FISHER SCIENTIFIC INC COM 883556102 201,108 496 SH SOLE 0 0 496
VALLEY NATL BANCORP COM 919794107 133,950 15,000 SH SOLE 0 0 15,000
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 688,393 1,736 SH SOLE 0 0 1,736
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 478,569 2,536 SH SOLE 0 0 2,536
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 407,586 3,606 SH SOLE 0 0 3,606
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 502,745 5,266 SH SOLE 0 0 5,266
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 588,399 5,142 SH SOLE 0 0 5,142
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 871,555 10,185 SH SOLE 0 0 10,185
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 332,039 1,723 SH SOLE 0 0 1,723
VANGUARD INDEX FDS GROWTH ETF 922908736 16,312,273 37,209 SH SOLE 0 0 37,209
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,208,816 4,237 SH SOLE 0 0 4,237
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 26,898,459 94,583 SH SOLE 0 0 94,583
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 58,896,772 358,122 SH SOLE 0 0 358,122
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 19,197,948 215,562 SH SOLE 0 0 215,562
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 273,222 481 SH SOLE 0 0 481
VANGUARD INDEX FDS SM CP VAL ETF 922908611 61,816,750 316,993 SH SOLE 0 0 316,993
VANGUARD INDEX FDS SMALL CP ETF 922908751 811,969 3,426 SH SOLE 0 0 3,426
VANGUARD INDEX FDS SML CP GRW ETF 922908595 36,623,687 132,244 SH SOLE 0 0 132,244
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,347,917 7,725 SH SOLE 0 0 7,725
VANGUARD INDEX FDS VALUE ETF 922908744 72,824,051 412,041 SH SOLE 0 0 412,041
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,509,177 131,605 SH SOLE 0 0 131,605
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,428,646 244,385 SH SOLE 0 0 244,385
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 6,706,300 61,413 SH SOLE 0 0 61,413
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 462,605 5,429 SH SOLE 0 0 5,429
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 238,073 1,142 SH SOLE 0 0 1,142
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,325,192 16,717 SH SOLE 0 0 16,717
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,518,041 307,280 SH SOLE 0 0 307,280
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 352,738 2,646 SH SOLE 0 0 2,646
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 228,944 1,745 SH SOLE 0 0 1,745
VANGUARD WORLD FD MEGA GRWTH IND 921910816 662,035 1,808 SH SOLE 0 0 1,808
VISA INC COM CL A 92826C839 212,297 598 SH SOLE 0 0 598
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,019,184 40,287 SH SOLE 0 0 40,287
WISDOMTREE TR US LARGECAP DIVD 97717W307 288,311 3,510 SH SOLE 0 0 3,510