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
ABBOTT LABS COM 002824100 432,000 3,448 SH SOLE 0 0 3,448
ABBVIE INC COM 00287Y109 743,963 3,256 SH SOLE 0 0 3,256
ABRDN ETFS BBRG ALL COMD K1 003261104 560,726 28,711 SH SOLE 0 0 28,711
ALLSTATE CORP COM 020002101 208,150 1,000 SH SOLE 0 0 1,000
ALPHABET INC CAP STK CL C 02079K107 205,539 655 SH SOLE 0 0 655
ALPHABET INC CAP STK CL A 02079K305 386,242 1,234 SH SOLE 0 0 1,234
AMAZON COM INC COM 023135106 462,332 2,003 SH SOLE 0 0 2,003
APPLE INC COM 037833100 2,493,481 9,172 SH SOLE 0 0 9,172
BERKSHIRE HATHAWAY INC DEL CL A 084670108 754,800 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,337,552 2,661 SH SOLE 0 0 2,661
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 1,870,440 14,300 SH SOLE 0 0 14,300
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 545,146 10,571 SH SOLE 0 0 10,571
BONDBLOXX ETF TRUST IR M TAXAWARE 09789C721 2,496,946 49,230 SH SOLE 0 0 49,230
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 990,344 33,514 SH SOLE 0 0 33,514
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 3,394,371 149,928 SH SOLE 0 0 149,928
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 4,310,625 157,437 SH SOLE 0 0 157,437
CHEVRON CORP NEW COM 166764100 306,497 2,011 SH SOLE 0 0 2,011
CISCO SYS INC COM 17275R102 262,364 3,406 SH SOLE 0 0 3,406
EXXON MOBIL CORP COM 30231G102 341,284 2,836 SH SOLE 0 0 2,836
META PLATFORMS INC CL A 30303M102 281,198 426 SH SOLE 0 0 426
FLEXSHARES TR MORNSTAR UPSTR 33939L407 205,683 4,486 SH SOLE 0 0 4,486
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 15,192,820 178,487 SH SOLE 0 0 178,487
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,817,581 28,189 SH SOLE 0 0 28,189
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 33,121,377 969,879 SH SOLE 0 0 969,879
HOME DEPOT INC COM 437076102 220,912 642 SH SOLE 0 0 642
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 12,441,245 511,354 SH SOLE 0 0 511,354
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843 15,940,960 665,871 SH SOLE 0 0 665,871
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 1,466,979 35,112 SH SOLE 0 0 35,112
INTERNATIONAL BUSINESS MACHS COM 459200101 1,427,642 4,820 SH SOLE 0 0 4,820
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420 366,569 6,964 SH SOLE 0 0 6,964
ISHARES TR S&P 100 ETF 464287101 231,989 676 SH SOLE 0 0 676
ISHARES TR SELECT DIVID ETF 464287168 6,072,870 43,027 SH SOLE 0 0 43,027
ISHARES TR CORE S&P500 ETF 464287200 31,634,962 46,186 SH SOLE 0 0 46,186
ISHARES TR CORE US AGGBD ET 464287226 3,632,935 36,373 SH SOLE 0 0 36,373
ISHARES TR MSCI EAFE ETF 464287465 5,650,693 58,843 SH SOLE 0 0 58,843
ISHARES TR CORE S&P MCP ETF 464287507 3,361,453 50,931 SH SOLE 0 0 50,931
ISHARES TR SELECT US REIT 464287564 3,134,687 52,534 SH SOLE 0 0 52,534
ISHARES TR RUS 1000 VAL ETF 464287598 495,863 2,357 SH SOLE 0 0 2,357
ISHARES TR RUS 1000 GRW ETF 464287614 7,393,893 15,622 SH SOLE 0 0 15,622
ISHARES TR RUS 1000 ETF 464287622 872,013 2,335 SH SOLE 0 0 2,335
ISHARES TR RUS 2000 VAL ETF 464287630 696,390 3,843 SH SOLE 0 0 3,843
ISHARES TR RUSSELL 2000 ETF 464287655 3,061,492 12,437 SH SOLE 0 0 12,437
ISHARES TR CORE S&P SCP ETF 464287804 2,777,841 23,114 SH SOLE 0 0 23,114
ISHARES TR GL TIMB FORE ETF 464288174 497,949 6,915 SH SOLE 0 0 6,915
ISHARES TR 3 7 YR TREAS BD 464288661 210,414 1,763 SH SOLE 0 0 1,763
ISHARES TR PFD AND INCM SEC 464288687 1,399,688 45,210 SH SOLE 0 0 45,210
ISHARES TR EAFE VALUE ETF 464288877 590,479 8,269 SH SOLE 0 0 8,269
ISHARES TR US TREAS BD ETF 46429B267 1,059,616 46,020 SH SOLE 0 0 46,020
ISHARES TR A RATE CP BD ETF 46429B291 21,534,291 447,791 SH SOLE 0 0 447,791
ISHARES TR CORE HIGH DV ETF 46429B663 1,490,492 12,256 SH SOLE 0 0 12,256
ISHARES TR MSCI USA QLT FCT 46432F339 5,291,763 26,643 SH SOLE 0 0 26,643
ISHARES TR MSCI USA VALUE 46432F388 1,149,012 8,404 SH SOLE 0 0 8,404
ISHARES TR CORE MSCI TOTAL 46432F834 228,359 2,698 SH SOLE 0 0 2,698
ISHARES TR CORE MSCI EAFE 46432F842 2,834,345 31,683 SH SOLE 0 0 31,683
ISHARES INC CORE MSCI EMKT 46434G103 754,292 11,221 SH SOLE 0 0 11,221
ISHARES TR CORE UNIVRSL USD 46434V613 2,870,587 61,680 SH SOLE 0 0 61,680
ISHARES TR CORE DIV GRWTH 46434V621 641,233 9,237 SH SOLE 0 0 9,237
ISHARES TR MSCI INTL VLU FT 46435G409 1,240,772 32,609 SH SOLE 0 0 32,609
ISHARES TR ESG AWR MSCI USA 46435G425 529,152 3,552 SH SOLE 0 0 3,552
ISHARES TR INTL DIV GRWTH 46435G524 3,396,964 41,041 SH SOLE 0 0 41,041
ISHARES TR 0-3 MNTH TREASRY 46436E718 18,996,850 189,249 SH SOLE 0 0 189,249
JPMORGAN CHASE & CO. COM 46625H100 273,887 850 SH SOLE 0 0 850
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 28,559,097 564,632 SH SOLE 0 0 564,632
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 207,197 4,216 SH SOLE 0 0 4,216
JOHNSON & JOHNSON COM 478160104 740,196 3,577 SH SOLE 0 0 3,577
KIMBERLY-CLARK CORP COM 494368103 258,077 2,558 SH SOLE 0 0 2,558
LISTED FDS TR HORIZON KINETICS 53656F623 668,278 15,031 SH SOLE 0 0 15,031
M & T BK CORP COM 55261F104 235,603 1,169 SH SOLE 0 0 1,169
MCDONALDS CORP COM 580135101 448,665 1,468 SH SOLE 0 0 1,468
MERCK & CO INC COM 58933Y105 213,783 2,031 SH SOLE 0 0 2,031
MICROSOFT CORP COM 594918104 1,314,963 2,719 SH SOLE 0 0 2,719
MID PENN BANCORP INC COM 59540G107 221,390 7,137 SH SOLE 0 0 7,137
NORFOLK SOUTHN CORP COM 655844108 591,299 2,048 SH SOLE 0 0 2,048
NVIDIA CORPORATION COM 67066G104 948,167 5,084 SH SOLE 0 0 5,084
PGIM ETF TR PGIM ULTRA SH BD 69344A107 5,875,026 118,472 SH SOLE 0 0 118,472
PGIM ETF TR AAA CLO ETF 69344A834 981,023 19,138 SH SOLE 0 0 19,138
PPL CORP COM 69351T106 705,618 20,149 SH SOLE 0 0 20,149
PEOPLES FINL SVCS CORP COM 711040105 738,103 15,153 SH SOLE 0 0 15,153
PEPSICO INC COM 713448108 234,512 1,634 SH SOLE 0 0 1,634
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 359,200 20,000 SH SOLE 0 0 20,000
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888 11,736,433 615,452 SH SOLE 0 0 615,452
PROCTER AND GAMBLE CO COM 742718109 331,619 2,314 SH SOLE 0 0 2,314
PROSHARES TR S&P 500 DV ARIST 74348A467 3,109,091 29,875 SH SOLE 0 0 29,875
ROSS STORES INC COM 778296103 360,280 2,000 SH SOLE 0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,819,432 11,467 SH SOLE 0 0 11,467
SPDR GOLD TR GOLD SHS 78463V107 854,841 2,157 SH SOLE 0 0 2,157
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 309,789 6,618 SH SOLE 0 0 6,618
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,769,926 129,924 SH SOLE 0 0 129,924
SPDR SERIES TRUST STATE STREET SPD 78464A300 5,744,665 63,149 SH SOLE 0 0 63,149
SPDR SERIES TRUST STATE STREET SPD 78464A508 2,307,048 40,610 SH SOLE 0 0 40,610
SPDR SERIES TRUST STATE STREET SPD 78464A649 40,703,771 1,580,729 SH SOLE 0 0 1,580,729
SPDR SERIES TRUST STATE STREET SPD 78464A854 24,440,220 304,665 SH SOLE 0 0 304,665
SSGA ACTIVE ETF TR STATE STREET MUL 78467V103 1,694,726 53,886 SH SOLE 0 0 53,886
SPDR SERIES TRUST STATE STREET SPD 78468R200 410,768 13,367 SH SOLE 0 0 13,367
SPDR SERIES TRUST STATE STREET SPD 78468R663 677,000 7,409 SH SOLE 0 0 7,409
SPDR SERIES TRUST STATE STREET SPD 78468R853 16,412,406 350,243 SH SOLE 0 0 350,243
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 686,237 26,162 SH SOLE 0 0 26,162
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 78,478,348 2,915,883 SH SOLE 0 0 2,915,883
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,147,697 38,760 SH SOLE 0 0 38,760
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,946,440 138,569 SH SOLE 0 0 138,569
SCHWAB STRATEGIC TR MUN BD ETF 808524649 3,329,222 129,240 SH SOLE 0 0 129,240
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 6,373,314 194,308 SH SOLE 0 0 194,308
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,606,810 316,423 SH SOLE 0 0 316,423
SCHWAB STRATEGIC TR US TIPS ETF 808524870 272,998 10,306 SH SOLE 0 0 10,306
TRAVELERS COMPANIES INC COM 89417E109 216,385 746 SH SOLE 0 0 746
TRUIST FINL CORP COM 89832Q109 442,171 8,985 SH SOLE 0 0 8,985
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,690,151 21,340 SH SOLE 0 0 21,340
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,391,694 31,703 SH SOLE 0 0 31,703
VANGUARD WORLD FD ESG INTL STK ETF 921910725 211,449 2,952 SH SOLE 0 0 2,952
VANGUARD WORLD FD MEGA GRWTH IND 921910816 201,621 488 SH SOLE 0 0 488
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 656,842 5,920 SH SOLE 0 0 5,920
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 660,408 8,916 SH SOLE 0 0 8,916
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 614,275 9,833 SH SOLE 0 0 9,833
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,163,372 29,009 SH SOLE 0 0 29,009
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 7,021,805 76,783 SH SOLE 0 0 76,783
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 3,637,737 46,569 SH SOLE 0 0 46,569
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 766,544 15,498 SH SOLE 0 0 15,498
VANGUARD WORLD FD INF TECH ETF 92204A702 9,505,103 12,610 SH SOLE 0 0 12,610
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 739,022 5,239 SH SOLE 0 0 5,239
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 43,871,278 596,366 SH SOLE 0 0 596,366
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 303,406 5,644 SH SOLE 0 0 5,644
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 473,054 5,933 SH SOLE 0 0 5,933
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 2,918,489 29,300 SH SOLE 0 0 29,300
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,261,728 64,858 SH SOLE 0 0 64,858
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 290,988 464 SH SOLE 0 0 464
VANGUARD INDEX FDS MID CAP ETF 922908629 327,658 1,129 SH SOLE 0 0 1,129
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,090,906 38,408 SH SOLE 0 0 38,408
VANGUARD INDEX FDS GROWTH ETF 922908736 1,070,185 2,194 SH SOLE 0 0 2,194
VANGUARD INDEX FDS VALUE ETF 922908744 850,682 4,454 SH SOLE 0 0 4,454
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,372,262 9,197 SH SOLE 0 0 9,197
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,115,038 12,274 SH SOLE 0 0 12,274
WALMART INC COM 931142103 272,063 2,442 SH SOLE 0 0 2,442
YUM BRANDS INC COM 988498101 635,073 4,198 SH SOLE 0 0 4,198