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
ACNB CORP COM 000868109 214,540 3,613 SH SOLE 0 0 3,613
ALTRIA GROUP INC COM 02209S103 223,405 3,105 SH SOLE 0 0 3,105
AMAZON COM INC COM 023135106 265,987 1,116 SH SOLE 0 0 1,116
APPLE INC COM 037833100 1,843,323 6,370 SH SOLE 0 0 6,370
ARCH CAP GROUP LTD ORD G0450A105 987,391 10,173 SH SOLE 0 0 10,173
AT&T INC COM 00206R102 202,715 9,793 SH SOLE 0 0 9,793
BNY MELLON ETF TRUST II ENHANCED DIVID 05613H308 931,856 32,124 SH SOLE 0 0 32,124
BROADCOM INC COM 11135F101 208,140 551 SH SOLE 0 0 551
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 799,026 16,214 SH SOLE 0 0 16,214
CATERPILLAR INC COM 149123101 423,673 398 SH SOLE 0 0 398
COSTCO WHOLESALE CORPORATION COM 22160K105 520,165 556 SH SOLE 0 0 556
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 207,617 5,636 SH SOLE 0 0 5,636
FIFTH THIRD BANCORP COM 316773100 341,940 6,066 SH SOLE 0 0 6,066
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,775,458 21,724 SH SOLE 0 0 21,724
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 748,322 11,720 SH SOLE 0 0 11,720
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 12,396,367 229,435 SH SOLE 0 0 229,435
INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 2,718,182 22,167 SH SOLE 0 0 22,167
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 326,848 5,894 SH SOLE 0 0 5,894
INVESCO QQQ TR UNIT SER 1 46090E103 439,838 597 SH SOLE 0 0 597
ISHARES INC CORE MSCI EMKT 46434G103 5,133,054 61,963 SH SOLE 0 0 61,963
ISHARES TR S&P SML 600 GWT 464287887 11,526,008 64,535 SH SOLE 0 0 64,535
ISHARES TR MORNINGSTAR GRWT 464287119 979,808 8,373 SH SOLE 0 0 8,373
ISHARES TR CRE U S REIT ETF 464288521 26,705,712 401,892 SH SOLE 0 0 401,892
ISHARES TR CORE MSCI EAFE 46432F842 8,987,668 93,059 SH SOLE 0 0 93,059
ISHARES TR S&P 500 GRWT ETF 464287309 19,120,931 139,031 SH SOLE 0 0 139,031
ISHARES TR S&P 500 VAL ETF 464287408 10,932,962 48,150 SH SOLE 0 0 48,150
ISHARES TR CORE DIV GRWTH 46434V621 2,097,905 27,680 SH SOLE 0 0 27,680
ISHARES TR MRGSTR MD CP GRW 464288307 23,266,037 236,684 SH SOLE 0 0 236,684
ISHARES TR U.S. REAL ES ETF 464287739 4,015,983 39,276 SH SOLE 0 0 39,276
ISHARES TR S&P MC 400VL ETF 464287705 2,012,385 13,622 SH SOLE 0 0 13,622
ISHARES TR RUS 1000 VAL ETF 464287598 1,203,180 4,963 SH SOLE 0 0 4,963
ISHARES TR RUS MDCP VAL ETF 464287473 27,318,451 165,969 SH SOLE 0 0 165,969
ISHARES TR RUS 2000 GRW ETF 464287648 7,147,092 18,142 SH SOLE 0 0 18,142
ISHARES TR MSCI ACWI ETF 464288257 272,971 1,739 SH SOLE 0 0 1,739
ISHARES TR SHRT NAT MUN ETF 464288158 887,427 8,335 SH SOLE 0 0 8,335
ISHARES TR RUS TP200 GR ETF 464289438 427,502 1,471 SH SOLE 0 0 1,471
ISHARES TR MSCI EAFE ETF 464287465 226,874 2,184 SH SOLE 0 0 2,184
ISHARES TR SP SMCP600VL ETF 464287879 7,143,172 52,262 SH SOLE 0 0 52,262
ISHARES TR MRNING SM CP ETF 464288703 3,187,289 40,697 SH SOLE 0 0 40,697
ISHARES TR MRGSTR MD CP VAL 464288406 11,006,277 120,448 SH SOLE 0 0 120,448
ISHARES TR CORE S&P MCP ETF 464287507 300,655 3,899 SH SOLE 0 0 3,899
ISHARES TR RUS MD CP GR ETF 464287481 63,749,307 435,416 SH SOLE 0 0 435,416
ISHARES TR CORE S&P500 ETF 464287200 2,256,406 3,013 SH SOLE 0 0 3,013
ISHARES TR MRGSTR SM CP GR 464288604 1,956,697 29,855 SH SOLE 0 0 29,855
ISHARES TR RUS 2000 VAL ETF 464287630 1,553,045 7,021 SH SOLE 0 0 7,021
ISHARES TR S&P MC 400GR ETF 464287606 8,652,136 73,635 SH SOLE 0 0 73,635
ISHARES TR RUS 1000 GRW ETF 464287614 60,906,537 490,509 SH SOLE 0 0 490,509
ISHARES TR CORE S&P TTL STK 464287150 1,300,361 7,916 SH SOLE 0 0 7,916
JOHNSON & JOHNSON COM 478160104 623,750 2,456 SH SOLE 0 0 2,456
LOWES COS INC COM 548661107 2,696,372 12,229 SH SOLE 0 0 12,229
MARRIOTT INTL INC NEW CL A 571903202 227,913 615 SH SOLE 0 0 615
MICROSOFT CORP COM 594918104 1,292,391 3,465 SH SOLE 0 0 3,465
NVIDIA CORPORATION COM 67066G104 1,575,825 7,876 SH SOLE 0 0 7,876
PARKER-HANNIFIN CORP COM 701094104 3,070,319 3,139 SH SOLE 0 0 3,139
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 526,918 10,434 SH SOLE 0 0 10,434
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 228,352 6,748 SH SOLE 0 0 6,748
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 502,001 2,635 SH SOLE 0 0 2,635
SOUTHERN CO COM 842587107 269,673 2,818 SH SOLE 0 0 2,818
SPDR INDEX SHS FDS ST MAR DIVID ETF 78463X533 585,733 14,301 SH SOLE 0 0 14,301
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 20,050,820 387,231 SH SOLE 0 0 387,231
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 17,604,475 349,364 SH SOLE 0 0 349,364
SPDR SERIES TRUST ST STR SP600SM C 78464A300 35,203,348 322,641 SH SOLE 0 0 322,641
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 52,955,821 1,764,606 SH SOLE 0 0 1,764,606
SPDR SERIES TRUST ST STR P500VAL 78464A508 29,650,820 487,758 SH SOLE 0 0 487,758
SPDR SERIES TRUST ST STR SP400GRW 78464A821 20,979,541 187,167 SH SOLE 0 0 187,167
SPDR SERIES TRUST ST STR SP400VAL 78464A839 20,874,311 220,077 SH SOLE 0 0 220,077
SPDR SERIES TRUST ST STR R1K YLD 78468R770 209,572 1,636 SH SOLE 0 0 1,636
SPDR SERIES TRUST ST STR P500GRW 78464A409 53,500,139 449,619 SH SOLE 0 0 449,619
SPDR SERIES TRUST ST STR SP DIV 78464A763 563,066 3,700 SH SOLE 0 0 3,700
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 48,091,843 403,692 SH SOLE 0 0 403,692
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 216,792 415 SH SOLE 0 0 415
TESLA INC COM 88160R101 272,549 648 SH SOLE 0 0 648
VALLEY NATL BANCORP COM 919794107 219,750 15,000 SH SOLE 0 0 15,000
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,325,042 11,293 SH SOLE 0 0 11,293
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 670,709 8,118 SH SOLE 0 0 8,118
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 668,906 5,864 SH SOLE 0 0 5,864
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 619,926 2,828 SH SOLE 0 0 2,828
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 683,367 4,671 SH SOLE 0 0 4,671
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 734,728 4,789 SH SOLE 0 0 4,789
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,054,772 3,067 SH SOLE 0 0 3,067
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 440,470 1,789 SH SOLE 0 0 1,789
VANGUARD INDEX FDS GROWTH ETF 922908736 20,154,091 233,969 SH SOLE 0 0 233,969
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,101,457 13,786 SH SOLE 0 0 13,786
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 73,839,667 373,683 SH SOLE 0 0 373,683
VANGUARD INDEX FDS VALUE ETF 922908744 86,913,291 398,813 SH SOLE 0 0 398,813
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 313,185 456 SH SOLE 0 0 456
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 23,563,062 244,354 SH SOLE 0 0 244,354
VANGUARD INDEX FDS SMALL CP ETF 922908751 765,777 2,526 SH SOLE 0 0 2,526
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 32,505,475 106,123 SH SOLE 0 0 106,123
VANGUARD INDEX FDS SML CP GRW ETF 922908595 50,295,908 137,533 SH SOLE 0 0 137,533
VANGUARD INDEX FDS SM CP VAL ETF 922908611 78,285,794 322,177 SH SOLE 0 0 322,177
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,888,814 132,163 SH SOLE 0 0 132,163
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 338,789 4,045 SH SOLE 0 0 4,045
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 8,083,019 63,242 SH SOLE 0 0 63,242
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 3,001,797 15,359 SH SOLE 0 0 15,359
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 317,024 1,102 SH SOLE 0 0 1,102
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 25,639,740 324,430 SH SOLE 0 0 324,430
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 543,988 5,117 SH SOLE 0 0 5,117
VANGUARD STAR FDS VG TL INTL STK F 921909768 384,449 4,497 SH SOLE 0 0 4,497
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 21,777,028 305,643 SH SOLE 0 0 305,643
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 389,070 2,462 SH SOLE 0 0 2,462
VANGUARD WORLD FD MEGA GRWTH IND 921910816 757,960 8,622 SH SOLE 0 0 8,622
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 280,317 1,715 SH SOLE 0 0 1,715
VISA INC COM CL A 92826C839 218,183 636 SH SOLE 0 0 636
WALMART INC COM 931142103 504,913 4,458 SH SOLE 0 0 4,458
WESTERN DIGITAL CORP COM 958102105 319,360 500 SH SOLE 0 0 500
WISDOMTREE TR US LARGECAP DIVD 97717W307 345,307 3,585 SH SOLE 0 0 3,585
WORLD GOLD TR SPDR GLD MINIS 98149E303 228,333 2,875 SH SOLE 0 0 2,875