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 263,232 4,433 SH SOLE 4,433 0 0
AGNC INVT CORP COM 00123Q104 190,929 17,516 SH SOLE 17,516 0 0
ALPHABET INC CAP STK CL A 02079K305 609,711 1,706 SH SOLE 1,706 0 0
AMAZON COM INC COM 023135106 1,305,388 5,477 SH SOLE 5,477 0 0
AMERICAN EXPRESS CO COM 025816109 226,999 671 SH SOLE 671 0 0
APPLE INC COM 037833100 9,796,657 33,856 SH SOLE 33,856 0 0
APPLIED MATLS INC COM 038222105 2,356,371 3,259 SH SOLE 3,259 0 0
ASTERA LABS INC COM 04626A103 422,643 875 SH SOLE 875 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 372,290 744 SH SOLE 744 0 0
CAPITAL SOUTHWEST CORP NOTE 5.125%11/1 140501AE7 52,327 50,000 SH SOLE 50,000 0 0
CATERPILLAR INC COM 149123101 503,092 472 SH SOLE 472 0 0
COHERENT CORP COM 19247G107 1,143,963 2,900 SH SOLE 2,900 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 515,758 3,528 SH SOLE 3,528 0 0
CONSTELLATION ENERGY CORP COM 21037T109 522,370 2,103 SH SOLE 2,103 0 0
CORMEDIX INC COM 21900C308 157,000 20,000 SH SOLE 20,000 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 208,127 222 SH SOLE 222 0 0
DEERE & CO COM 244199105 455,505 718 SH SOLE 718 0 0
DELL TECHNOLOGIES INC CL C 24703L202 1,037,763 2,405 SH SOLE 2,405 0 0
EXELON CORP COM 30161N101 206,175 4,422 SH SOLE 4,422 0 0
EXXON MOBIL CORP COM 30231G102 573,889 4,198 SH SOLE 4,198 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 353,148 5,857 SH SOLE 5,857 0 0
FIDELITY MERRIMACK STR TR INVESTMENT GR BD 316188606 287,479 6,712 SH SOLE 6,712 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 5,535,783 110,473 SH SOLE 110,473 0 0
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 270,250 5,609 SH SOLE 5,609 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 411,997 6,992 SH SOLE 6,992 0 0
HCA HEALTHCARE INC COM 40412C101 217,422 558 SH SOLE 558 0 0
HOME DEPOT INC COM 437076102 297,886 845 SH SOLE 845 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 260,746 927 SH SOLE 927 0 0
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 344,901 1,952 SH SOLE 1,952 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 515,282 17,188 SH SOLE 17,188 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274 212,112 2,614 SH SOLE 2,614 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 1,355,981 11,278 SH SOLE 11,278 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,495,175 35,255 SH SOLE 35,255 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 5,104,164 105,786 SH SOLE 105,786 0 0
ISHARES TR CORE S&P MCP ETF 464287507 291,921 3,786 SH SOLE 3,786 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,726,818 38,614 SH SOLE 38,614 0 0
ISHARES TR CORE S&P TTL STK 464287150 295,757 1,800 SH SOLE 1,800 0 0
ISHARES TR CORE S&P US GWT 464287671 2,738,421 14,559 SH SOLE 14,559 0 0
ISHARES TR CORE S&P500 ETF 464287200 278,297 372 SH SOLE 372 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 217,023 2,474 SH SOLE 2,474 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 390,985 4,053 SH SOLE 4,053 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 710,229 2,930 SH SOLE 2,930 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 459,357 2,791 SH SOLE 2,791 0 0
ISHARES TR S&P 500 VAL ETF 464287408 26,150,918 115,172 SH SOLE 115,172 0 0
ISHARES TR U.S. TECH ETF 464287721 450,488 1,786 SH SOLE 1,786 0 0
ISHARES TR US AER DEF ETF 464288760 811,500 3,347 SH SOLE 3,347 0 0
ISHARES TR US CONSUM DISCRE 464287580 403,104 3,987 SH SOLE 3,987 0 0
ISHARES TR US HLTHCARE ETF 464287762 559,399 8,348 SH SOLE 8,348 0 0
ISHARES TR US INDUSTRIALS 464287754 1,091,141 6,548 SH SOLE 6,548 0 0
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 2,366,102 46,706 SH SOLE 46,706 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 3,899,582 69,044 SH SOLE 69,044 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 15,419,619 334,845 SH SOLE 334,845 0 0
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 1,576,852 19,116 SH SOLE 19,116 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 358,619 6,871 SH SOLE 6,871 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,025,785 20,250 SH SOLE 20,250 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 3,386,703 55,104 SH SOLE 55,104 0 0
JOHNSON & JOHNSON COM 478160104 202,677 798 SH SOLE 798 0 0
JPMORGAN CHASE & CO COM 46625H100 232,954 712 SH SOLE 712 0 0
LAM RESEARCH CORP COM NEW 512807306 335,894 775 SH SOLE 775 0 0
LOAR HOLDINGS INC COM SHS 53947R105 287,939 3,572 SH SOLE 3,572 0 0
LOWES COS INC COM 548661107 265,038 1,202 SH SOLE 1,202 0 0
MARVELL TECHNOLOGY INC COM 573874104 321,721 1,080 SH SOLE 1,080 0 0
MCDONALDS CORP COM 580135101 375,480 1,389 SH SOLE 1,389 0 0
MICROSOFT CORP COM 594918104 1,205,488 3,232 SH SOLE 3,232 0 0
NEXTERA ENERGY INC COM 65339F101 296,979 3,384 SH SOLE 3,384 0 0
NORFOLK SOUTHN CORP COM 655844108 285,339 907 SH SOLE 907 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 227,489 1,943 SH SOLE 1,943 0 0
NVIDIA CORPORATION COM 67066G104 2,113,978 10,565 SH SOLE 10,565 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 254,107 2,178 SH SOLE 2,178 0 0
PALO ALTO NETWORKS INC COM 697435105 733,193 2,150 SH SOLE 2,150 0 0
PEPSICO INC COM 713448108 220,108 1,626 SH SOLE 1,626 0 0
PROCTER & GAMBLE CO COM 742718109 202,944 1,384 SH SOLE 1,384 0 0
ROUNDHILL ETF TRUST ROUNDHILL S&P500 77926X858 324,775 6,077 SH SOLE 6,077 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14,564,664 459,308 SH SOLE 459,308 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 433,961 12,011 SH SOLE 12,011 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,221,481 14,704 SH SOLE 14,704 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 595,333 13,130 SH SOLE 13,130 0 0
SPDR SERIES TRUST ST STR SP AERO 78464A631 1,051,682 3,706 SH SOLE 3,706 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 2,847,878 18,714 SH SOLE 18,714 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 467,934 627 SH SOLE 627 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 299,807 3,909 SH SOLE 3,909 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,801,803 61,633 SH SOLE 61,633 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 383,939 7,713 SH SOLE 7,713 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 5,197,554 60,338 SH SOLE 60,338 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,750,847 22,040 SH SOLE 22,040 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,310,998 6,635 SH SOLE 6,635 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,769,820 21,966 SH SOLE 21,966 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,156,199 1,683 SH SOLE 1,683 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,457,754 5,999 SH SOLE 5,999 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 785,418 2,591 SH SOLE 2,591 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 490,453 1,341 SH SOLE 1,341 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,061,021 9,457 SH SOLE 9,457 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 517,673 8,673 SH SOLE 8,673 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 6,032,501 38,436 SH SOLE 38,436 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 644,703 12,746 SH SOLE 12,746 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 734,047 8,881 SH SOLE 8,881 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,798,097 48,059 SH SOLE 48,059 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 16,077,092 67,945 SH SOLE 67,945 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 469,191 5,488 SH SOLE 5,488 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 206,960 2,905 SH SOLE 2,905 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 337,699 2,137 SH SOLE 2,137 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 725,122 7,765 SH SOLE 7,765 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 782,925 2,618 SH SOLE 2,618 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 861,547 7,208 SH SOLE 7,208 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 6,805,793 41,638 SH SOLE 41,638 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 444,787 5,060 SH SOLE 5,060 0 0
VICTORY PORTFOLIOS II CORE BD ETF 92647N527 14,233,392 303,886 SH SOLE 303,886 0 0
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535 342,584 6,768 SH SOLE 6,768 0 0
WALMART INC COM 931142103 670,176 5,917 SH SOLE 5,917 0 0
WSFS FINL CORP COM 929328102 502,083 6,544 SH SOLE 6,544 0 0