The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||||||
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 |
ABBOTT LABS | COM | 002824100 | 978 | 6,952 | SH | SOLE | 2 | 0 | 0 | 6,952 | |
ABBOTT LABS | COM | 002824100 | 65 | 462 | SH | DFND | 3 | 0 | 0 | 462 | |
ABBVIE INC | COM | 00287Y109 | 187 | 1,384 | SH | SOLE | 2 | 0 | 0 | 1,384 | |
ABBVIE INC | COM | 00287Y109 | 71 | 526 | SH | DFND | 3 | 0 | 0 | 526 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 678 | 234 | SH | SOLE | 2 | 0 | 0 | 234 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 252 | 87 | SH | DFND | 3 | 0 | 0 | 87 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 234 | 81 | SH | DFND | 3 | 0 | 0 | 81 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 130 | 45 | SH | SOLE | 2 | 0 | 0 | 45 | |
AMAZON COM INC | COM | 023135106 | 467 | 140 | SH | SOLE | 2 | 0 | 0 | 140 | |
AMAZON COM INC | COM | 023135106 | 377 | 113 | SH | DFND | 3 | 0 | 0 | 113 | |
APPLE INC | COM | 037833100 | 4,286 | 24,134 | SH | SOLE | 2 | 0 | 0 | 24,134 | |
APPLE INC | COM | 037833100 | 923 | 5,199 | SH | DFND | 3 | 0 | 0 | 5,199 | |
AT&T INC | COM | 00206R102 | 242 | 9,844 | SH | SOLE | 2 | 0 | 0 | 9,844 | |
AT&T INC | COM | 00206R102 | 17 | 706 | SH | DFND | 3 | 0 | 0 | 706 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 910 | 3,043 | SH | SOLE | 2 | 0 | 0 | 3,043 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 136 | 453 | SH | DFND | 3 | 0 | 0 | 453 | |
BOEING CO | COM | 097023105 | 242 | 1,204 | SH | SOLE | 2 | 0 | 0 | 1,204 | |
BOEING CO | COM | 097023105 | 21 | 104 | SH | DFND | 3 | 0 | 0 | 104 | |
COMCAST CORP NEW | CL A | 20030N101 | 307 | 6,098 | SH | SOLE | 2 | 0 | 0 | 6,098 | |
COMCAST CORP NEW | CL A | 20030N101 | 60 | 1,185 | SH | DFND | 3 | 0 | 0 | 1,185 | |
COMMUNITY BK SYS INC | COM | 203607106 | 811 | 10,883 | SH | SOLE | 2 | 0 | 0 | 10,883 | |
DIGITAL MEDIA SOLUTIONS INC | COM CL A | 25401G106 | 68 | 14,228 | SH | SOLE | 2 | 0 | 0 | 14,228 | |
DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | 96,504 | 3,331,155 | SH | SOLE | 2 | 0 | 0 | 3,331,155 | |
DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | 81,124 | 2,458,318 | SH | SOLE | 2 | 0 | 0 | 2,458,318 | |
DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | 29,465 | 1,128,477 | SH | SOLE | 2 | 0 | 0 | 1,128,477 | |
DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 | 232 | 4,496 | SH | SOLE | 2 | 0 | 0 | 4,496 | |
DIREXION SHS ETF TR | DLY GOLD INDX 2X | 25460G781 | 6,341 | 124,000 | SH | SOLE | 2 | 0 | 0 | 124,000 | |
DISNEY WALT CO | COM | 254687106 | 175 | 1,130 | SH | SOLE | 2 | 0 | 0 | 1,130 | |
DISNEY WALT CO | COM | 254687106 | 94 | 605 | SH | DFND | 3 | 0 | 0 | 605 | |
ESSENTIAL UTILS INC | COM | 29670G102 | 298 | 5,556 | SH | SOLE | 2 | 0 | 0 | 5,556 | |
ESSENTIAL UTILS INC | COM | 29670G102 | 3 | 62 | SH | DFND | 3 | 0 | 0 | 62 | |
EXXON MOBIL CORP | COM | 30231G102 | 678 | 11,086 | SH | SOLE | 2 | 0 | 0 | 11,086 | |
EXXON MOBIL CORP | COM | 30231G102 | 47 | 775 | SH | DFND | 3 | 0 | 0 | 775 | |
FULTON FINL CORP PA | COM | 360271100 | 516 | 30,325 | SH | SOLE | 2 | 0 | 0 | 30,325 | |
FULTON FINL CORP PA | COM | 360271100 | 0 | 14 | SH | DFND | 3 | 0 | 0 | 14 | |
GENERAL ELECTRIC CO | COM NEW | 369604301 | 187 | 1,978 | SH | SOLE | 2 | 0 | 0 | 1,978 | |
GENERAL ELECTRIC CO | COM NEW | 369604301 | 18 | 188 | SH | DFND | 3 | 0 | 0 | 188 | |
HOME DEPOT INC | COM | 437076102 | 1,917 | 4,620 | SH | SOLE | 2 | 0 | 0 | 4,620 | |
HOME DEPOT INC | COM | 437076102 | 169 | 408 | SH | DFND | 3 | 0 | 0 | 408 | |
INVESCO QQQ TR | UNIT SER 1 | 46090E103 | 294 | 740 | SH | SOLE | 2 | 0 | 0 | 740 | |
ISHARES TR | CORE S&P TTL STK | 464287150 | 1,475 | 13,787 | SH | SOLE | 2 | 0 | 0 | 13,787 | |
ISHARES TR | TIPS BD ETF | 464287176 | 7,902 | 61,162 | SH | SOLE | 2 | 0 | 0 | 61,162 | |
ISHARES TR | CORE S&P500 ETF | 464287200 | 4,097 | 8,589 | SH | SOLE | 2 | 0 | 0 | 8,589 | |
ISHARES TR | CORE US AGGBD ET | 464287226 | 44,228 | 387,692 | SH | SOLE | 2 | 0 | 0 | 387,692 | |
ISHARES TR | RUS 1000 ETF | 464287622 | 251 | 950 | SH | SOLE | 2 | 0 | 0 | 950 | |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 7,480 | 33,625 | SH | SOLE | 2 | 0 | 0 | 33,625 | |
ISHARES TR | SHRT NAT MUN ETF | 464288158 | 17,083 | 159,104 | SH | SOLE | 2 | 0 | 0 | 159,104 | |
ISHARES TR | NATIONAL MUN ETF | 464288414 | 34,272 | 294,741 | SH | SOLE | 2 | 0 | 0 | 294,741 | |
ISHARES TR | ISHS 1-5YR INVS | 464288646 | 6,013 | 111,606 | SH | SOLE | 2 | 0 | 0 | 111,606 | |
ISHARES TR | EAFE GRWTH ETF | 464288885 | 8,938 | 81,037 | SH | SOLE | 2 | 0 | 0 | 81,037 | |
ISHARES TR | MSCI USA QLT FCT | 46432F339 | 18,258 | 125,435 | SH | SOLE | 2 | 0 | 0 | 125,435 | |
ISHARES TR | MSCI USA VALUE | 46432F388 | 10,029 | 91,615 | SH | SOLE | 2 | 0 | 0 | 91,615 | |
ISHARES TR | CORE MSCI TOTAL | 46432F834 | 12,640 | 178,184 | SH | SOLE | 2 | 0 | 0 | 178,184 | |
ISHARES INC | ESG AWR MSCI EM | 46434G863 | 282 | 7,090 | SH | SOLE | 2 | 0 | 0 | 7,090 | |
JOHNSON & JOHNSON | COM | 478160104 | 196 | 1,147 | SH | SOLE | 2 | 0 | 0 | 1,147 | |
JOHNSON & JOHNSON | COM | 478160104 | 127 | 741 | SH | DFND | 3 | 0 | 0 | 741 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 245 | 1,544 | SH | SOLE | 2 | 0 | 0 | 1,544 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 169 | 1,067 | SH | DFND | 3 | 0 | 0 | 1,067 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 32 | 200 | SH | SOLE | 2 | 0 | 0 | 200 | |
LOWES COS INC | COM | 548661107 | 353 | 1,366 | SH | SOLE | 2 | 0 | 0 | 1,366 | |
LOWES COS INC | COM | 548661107 | 62 | 239 | SH | DFND | 3 | 0 | 0 | 239 | |
MCDONALDS CORP | COM | 580135101 | 333 | 1,241 | SH | SOLE | 2 | 0 | 0 | 1,241 | |
MCDONALDS CORP | COM | 580135101 | 71 | 265 | SH | DFND | 3 | 0 | 0 | 265 | |
MERIDIAN CORPORATION | COM | 58958P104 | 2,553 | 69,432 | SH | SOLE | 2 | 0 | 0 | 69,432 | |
META PLATFORMS INC | CL A | 30303M102 | 691 | 2,055 | SH | SOLE | 2 | 0 | 0 | 2,055 | |
META PLATFORMS INC | CL A | 30303M102 | 221 | 658 | SH | DFND | 3 | 0 | 0 | 658 | |
MICROSOFT CORP | COM | 594918104 | 725 | 2,157 | SH | DFND | 3 | 0 | 0 | 2,157 | |
MICROSOFT CORP | COM | 594918104 | 664 | 1,974 | SH | SOLE | 2 | 0 | 0 | 1,974 | |
NEW JERSEY RES CORP | COM | 646025106 | 230 | 5,592 | SH | SOLE | 2 | 0 | 0 | 5,592 | |
NEW JERSEY RES CORP | COM | 646025106 | 0 | 10 | SH | DFND | 3 | 0 | 0 | 10 | |
NEXTERA ENERGY INC | COM | 65339F101 | 179 | 1,919 | SH | SOLE | 2 | 0 | 0 | 1,919 | |
NEXTERA ENERGY INC | COM | 65339F101 | 42 | 455 | SH | DFND | 3 | 0 | 0 | 455 | |
NVIDIA CORPORATION | COM | 67066G104 | 190 | 647 | SH | SOLE | 2 | 0 | 0 | 647 | |
NVIDIA CORPORATION | COM | 67066G104 | 148 | 504 | SH | DFND | 3 | 0 | 0 | 504 | |
PEPSICO INC | COM | 713448108 | 272 | 1,565 | SH | SOLE | 2 | 0 | 0 | 1,565 | |
PEPSICO INC | COM | 713448108 | 91 | 522 | SH | DFND | 3 | 0 | 0 | 522 | |
PFIZER INC | COM | 717081103 | 433 | 7,325 | SH | SOLE | 2 | 0 | 0 | 7,325 | |
PFIZER INC | COM | 717081103 | 98 | 1,657 | SH | DFND | 3 | 0 | 0 | 1,657 | |
PNC FINL SVCS GROUP INC | COM | 693475105 | 278 | 1,384 | SH | SOLE | 2 | 0 | 0 | 1,384 | |
PNC FINL SVCS GROUP INC | COM | 693475105 | 33 | 163 | SH | DFND | 3 | 0 | 0 | 163 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 421 | 2,573 | SH | SOLE | 2 | 0 | 0 | 2,573 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 124 | 760 | SH | DFND | 3 | 0 | 0 | 760 | |
S&P GLOBAL INC | COM | 78409V104 | 757 | 1,603 | SH | SOLE | 2 | 0 | 0 | 1,603 | |
S&P GLOBAL INC | COM | 78409V104 | 19 | 40 | SH | DFND | 3 | 0 | 0 | 40 | |
SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 15,468 | 136,870 | SH | SOLE | 2 | 0 | 0 | 136,870 | |
SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 26,290 | 230,980 | SH | SOLE | 2 | 0 | 0 | 230,980 | |
SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | 9,249 | 114,999 | SH | SOLE | 2 | 0 | 0 | 114,999 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 223 | 2,179 | SH | SOLE | 2 | 0 | 0 | 2,179 | |
SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | 1,672 | 20,682 | SH | SOLE | 2 | 0 | 0 | 20,682 | |
SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | 1,148 | 21,291 | SH | SOLE | 2 | 0 | 0 | 21,291 | |
SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | 14,713 | 289,334 | SH | SOLE | 2 | 0 | 0 | 289,334 | |
STARBUCKS CORP | COM | 855244109 | 261 | 2,229 | SH | SOLE | 2 | 0 | 0 | 2,229 | |
STARBUCKS CORP | COM | 855244109 | 60 | 510 | SH | DFND | 3 | 0 | 0 | 510 | |
TEXAS INSTRS INC | COM | 882508104 | 1,165 | 6,180 | SH | SOLE | 2 | 0 | 0 | 6,180 | |
TEXAS INSTRS INC | COM | 882508104 | 95 | 503 | SH | DFND | 3 | 0 | 0 | 503 | |
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 109 | 164 | SH | SOLE | 2 | 0 | 0 | 164 | |
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 102 | 153 | SH | DFND | 3 | 0 | 0 | 153 | |
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 353 | 2,056 | SH | SOLE | 2 | 0 | 0 | 2,056 | |
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 295 | 4,648 | SH | SOLE | 2 | 0 | 0 | 4,648 | |
VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | 264 | 3,012 | SH | SOLE | 2 | 0 | 0 | 3,012 | |
VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 286 | 3,537 | SH | SOLE | 2 | 0 | 0 | 3,537 | |
VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 379 | 4,476 | SH | SOLE | 2 | 0 | 0 | 4,476 | |
VANGUARD TAX-MANAGED INTL FD | FTSE DEV MKT ETF | 921943858 | 545 | 10,670 | SH | SOLE | 2 | 0 | 0 | 10,670 | |
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 2,469 | 40,298 | SH | SOLE | 2 | 0 | 0 | 40,298 | |
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 1,090 | 19,848 | SH | SOLE | 2 | 0 | 0 | 19,848 | |
VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 1,044 | 2,391 | SH | SOLE | 2 | 0 | 0 | 2,391 | |
VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 391 | 1,535 | SH | SOLE | 2 | 0 | 0 | 1,535 | |
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 1,183 | 5,235 | SH | SOLE | 2 | 0 | 0 | 5,235 | |
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 4,164 | 17,247 | SH | SOLE | 2 | 0 | 0 | 17,247 | |
WALMART INC | COM | 931142103 | 141 | 971 | SH | SOLE | 2 | 0 | 0 | 971 | |
WALMART INC | COM | 931142103 | 60 | 417 | SH | DFND | 3 | 0 | 0 | 417 | |
WELLS FARGO CO NEW | COM | 949746101 | 1,939 | 40,423 | SH | SOLE | 2 | 0 | 0 | 40,423 | |
WELLS FARGO CO NEW | COM | 949746101 | 30 | 628 | SH | DFND | 3 | 0 | 0 | 628 | |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 469 | 987 | SH | SOLE | 2 | 0 | 0 | 987 | |
SPDR GOLD TR | GOLD SHS | 78463V107 | 315 | 1,844 | SH | SOLE | 2 | 0 | 0 | 1,844 | |
SUNDIAL GROWERS INC | COM | 86730L109 | 8 | 14,000 | SH | SOLE | 2 | 0 | 0 | 14,000 | |
TESLA INC | COM | 88160R101 | 579 | 548 | SH | SOLE | 2 | 0 | 0 | 548 | |
TESLA INC | COM | 88160R101 | 197 | 186 | SH | DFND | 3 | 0 | 0 | 186 | |
VERTEX INC | CL A | 92538J106 | 177 | 11,128 | SH | SOLE | 2 | 0 | 0 | 11,128 |