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 | 74,547 | 679 | SH | DFND | 1 | 0 | 679 | 0 | |
ABBOTT LABS | COM | 002824100 | 246,039 | 2,241 | SH | SOLE | 0 | 0 | 2,241 | ||
ABBVIE INC | COM | 00287Y109 | 147,712 | 914 | SH | DFND | 1 | 0 | 914 | 0 | |
ABBVIE INC | COM | 00287Y109 | 572,261 | 3,541 | SH | SOLE | 0 | 0 | 3,541 | ||
ALPHABET INC | CAP STK CL C | 02079K107 | 200,441 | 2,259 | SH | DFND | 1 | 0 | 2,259 | 0 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 209,723 | 2,377 | SH | DFND | 1 | 0 | 2,377 | 0 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 125,031 | 1,409 | SH | SOLE | 0 | 0 | 1,409 | ||
ALPHABET INC | CAP STK CL A | 02079K305 | 483,687 | 5,482 | SH | SOLE | 0 | 0 | 5,482 | ||
AMAZON COM INC | COM | 023135106 | 257,964 | 3,071 | SH | DFND | 1 | 0 | 3,071 | 0 | |
AMAZON COM INC | COM | 023135106 | 380,490 | 4,530 | SH | SOLE | 0 | 0 | 4,530 | ||
APPLE INC | COM | 037833100 | 910,160 | 7,005 | SH | DFND | 1 | 0 | 7,005 | 0 | |
APPLE INC | COM | 037833100 | 3,002,407 | 23,108 | SH | SOLE | 0 | 0 | 23,108 | ||
BANK AMERICA CORP | COM | 060505104 | 111,184 | 3,357 | SH | DFND | 1 | 0 | 3,357 | 0 | |
BANK AMERICA CORP | COM | 060505104 | 99,328 | 2,999 | SH | SOLE | 0 | 0 | 2,999 | ||
BOEING CO | COM | 097023105 | 37,336 | 196 | SH | DFND | 1 | 0 | 196 | 0 | |
BOEING CO | COM | 097023105 | 210,301 | 1,104 | SH | SOLE | 0 | 0 | 1,104 | ||
CHEVRON CORP NEW | COM | 166764100 | 143,951 | 802 | SH | DFND | 1 | 0 | 802 | 0 | |
CHEVRON CORP NEW | COM | 166764100 | 182,984 | 1,019 | SH | SOLE | 0 | 0 | 1,019 | ||
COMCAST CORP NEW | CL A | 20030N101 | 57,421 | 1,642 | SH | DFND | 1 | 0 | 1,642 | 0 | |
COMCAST CORP NEW | CL A | 20030N101 | 220,200 | 6,297 | SH | SOLE | 0 | 0 | 6,297 | ||
COMMUNITY BK SYS INC | COM | 203607106 | 252 | 4 | SH | DFND | 1 | 0 | 4 | 0 | |
COMMUNITY BK SYS INC | COM | 203607106 | 685,096 | 10,883 | SH | SOLE | 0 | 0 | 10,883 | ||
DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | 48,645,740 | 1,800,360 | SH | SOLE | 0 | 0 | 1,800,360 | ||
DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | 79,490,220 | 3,273,897 | SH | SOLE | 0 | 0 | 3,273,897 | ||
DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | 24,307,980 | 1,125,369 | SH | SOLE | 0 | 0 | 1,125,369 | ||
DUKE ENERGY CORP NEW | COM NEW | 26441C204 | 30,794 | 299 | SH | DFND | 1 | 0 | 299 | 0 | |
DUKE ENERGY CORP NEW | COM NEW | 26441C204 | 292,183 | 2,837 | SH | SOLE | 0 | 0 | 2,837 | ||
ESSENTIAL UTILS INC | COM | 29670G102 | 4,964 | 104 | SH | DFND | 1 | 0 | 104 | 0 | |
ESSENTIAL UTILS INC | COM | 29670G102 | 277,216 | 5,808 | SH | SOLE | 0 | 0 | 5,808 | ||
EXXON MOBIL CORP | COM | 30231G102 | 187,620 | 1,701 | SH | DFND | 1 | 0 | 1,701 | 0 | |
EXXON MOBIL CORP | COM | 30231G102 | 1,312,715 | 11,901 | SH | SOLE | 0 | 0 | 11,901 | ||
FIRST TR EXCH TRADED FD III | SHRT DUR MNG MUN | 33739P830 | 281,769 | 14,274 | SH | SOLE | 0 | 0 | 14,274 | ||
FULTON FINL CORP PA | COM | 360271100 | 236 | 14 | SH | DFND | 1 | 0 | 14 | 0 | |
FULTON FINL CORP PA | COM | 360271100 | 291,580 | 17,325 | SH | SOLE | 0 | 0 | 17,325 | ||
HOME DEPOT INC | COM | 437076102 | 176,566 | 559 | SH | DFND | 1 | 0 | 559 | 0 | |
HOME DEPOT INC | COM | 437076102 | 1,712,629 | 5,422 | SH | SOLE | 0 | 0 | 5,422 | ||
INVESCO QQQ TR | UNIT SER 1 | 46090E103 | 241,559 | 907 | SH | SOLE | 0 | 0 | 907 | ||
ISHARES INC | ESG AWR MSCI EM | 46434G863 | 256,136 | 8,518 | SH | SOLE | 0 | 0 | 8,518 | ||
ISHARES TR | CORE S&P TTL STK | 464287150 | 1,124,618 | 13,262 | SH | SOLE | 0 | 0 | 13,262 | ||
ISHARES TR | TIPS BD ETF | 464287176 | 3,546,816 | 33,322 | SH | SOLE | 0 | 0 | 33,322 | ||
ISHARES TR | CORE S&P500 ETF | 464287200 | 3,517,311 | 9,155 | SH | SOLE | 0 | 0 | 9,155 | ||
ISHARES TR | CORE US AGGBD ET | 464287226 | 40,044,589 | 412,873 | SH | SOLE | 0 | 0 | 412,873 | ||
ISHARES TR | RUS 1000 ETF | 464287622 | 236,877 | 1,125 | SH | SOLE | 0 | 0 | 1,125 | ||
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 7,048,754 | 40,426 | SH | SOLE | 0 | 0 | 40,426 | ||
ISHARES TR | SHRT NAT MUN ETF | 464288158 | 16,672,234 | 159,895 | SH | SOLE | 0 | 0 | 159,895 | ||
ISHARES TR | NATIONAL MUN ETF | 464288414 | 31,088,936 | 294,626 | SH | SOLE | 0 | 0 | 294,626 | ||
ISHARES TR | ISHS 1-5YR INVS | 464288646 | 514,801 | 10,333 | SH | SOLE | 0 | 0 | 10,333 | ||
ISHARES TR | US TREAS BD ETF | 46429B267 | 8,681,779 | 382,121 | SH | SOLE | 0 | 0 | 382,121 | ||
ISHARES TR | MSCI USA QLT FCT | 46432F339 | 14,902,470 | 130,769 | SH | SOLE | 0 | 0 | 130,769 | ||
ISHARES TR | MSCI USA VALUE | 46432F388 | 11,055,334 | 121,301 | SH | SOLE | 0 | 0 | 121,301 | ||
ISHARES TR | CORE MSCI TOTAL | 46432F834 | 11,949,903 | 206,460 | SH | SOLE | 0 | 0 | 206,460 | ||
ISHARES TR | CORE TOTAL USD | 46434V613 | 314,510 | 7,000 | SH | SOLE | 0 | 0 | 7,000 | ||
ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 | 2,031,567 | 72,067 | SH | SOLE | 0 | 0 | 72,067 | ||
JOHNSON & JOHNSON | COM | 478160104 | 199,261 | 1,128 | SH | DFND | 1 | 0 | 1,128 | 0 | |
JOHNSON & JOHNSON | COM | 478160104 | 235,550 | 1,333 | SH | SOLE | 0 | 0 | 1,333 | ||
JPMORGAN CHASE & CO | COM | 46625H100 | 192,434 | 1,435 | SH | DFND | 1 | 0 | 1,435 | 0 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 221,766 | 1,654 | SH | SOLE | 0 | 0 | 1,654 | ||
KEYCORP | COM | 493267108 | 12,002 | 689 | SH | DFND | 1 | 0 | 689 | 0 | |
KEYCORP | COM | 493267108 | 781,078 | 44,838 | SH | SOLE | 0 | 0 | 44,838 | ||
LOWES COS INC | COM | 548661107 | 59,174 | 297 | SH | DFND | 1 | 0 | 297 | 0 | |
LOWES COS INC | COM | 548661107 | 276,676 | 1,389 | SH | SOLE | 0 | 0 | 1,389 | ||
MCDONALDS CORP | COM | 580135101 | 93,553 | 355 | SH | DFND | 1 | 0 | 355 | 0 | |
MCDONALDS CORP | COM | 580135101 | 334,019 | 1,267 | SH | SOLE | 0 | 0 | 1,267 | ||
MERIDIAN CORPORATION | COM | 58958P104 | 2,570,394 | 84,859 | SH | SOLE | 0 | 0 | 84,859 | ||
META PLATFORMS INC | CL A | 30303M102 | 97,836 | 813 | SH | DFND | 1 | 0 | 813 | 0 | |
META PLATFORMS INC | CL A | 30303M102 | 264,387 | 2,197 | SH | SOLE | 0 | 0 | 2,197 | ||
MICROSOFT CORP | COM | 594918104 | 735,288 | 3,066 | SH | DFND | 1 | 0 | 3,066 | 0 | |
MICROSOFT CORP | COM | 594918104 | 548,977 | 2,289 | SH | SOLE | 0 | 0 | 2,289 | ||
NEW JERSEY RES CORP | COM | 646025106 | 1,389 | 28 | SH | DFND | 1 | 0 | 28 | 0 | |
NEW JERSEY RES CORP | COM | 646025106 | 285,315 | 5,750 | SH | SOLE | 0 | 0 | 5,750 | ||
NEXTERA ENERGY INC | COM | 65339F101 | 69,472 | 831 | SH | DFND | 1 | 0 | 831 | 0 | |
NEXTERA ENERGY INC | COM | 65339F101 | 160,029 | 1,914 | SH | SOLE | 0 | 0 | 1,914 | ||
ORACLE CORP | COM | 68389X105 | 63,430 | 776 | SH | DFND | 1 | 0 | 776 | 0 | |
ORACLE CORP | COM | 68389X105 | 143,958 | 1,761 | SH | SOLE | 0 | 0 | 1,761 | ||
PEPSICO INC | COM | 713448108 | 126,643 | 701 | SH | DFND | 1 | 0 | 701 | 0 | |
PEPSICO INC | COM | 713448108 | 286,707 | 1,587 | SH | SOLE | 0 | 0 | 1,587 | ||
PFIZER INC | COM | 717081103 | 124,923 | 2,438 | SH | DFND | 1 | 0 | 2,438 | 0 | |
PFIZER INC | COM | 717081103 | 391,317 | 7,637 | SH | SOLE | 0 | 0 | 7,637 | ||
PNC FINL SVCS GROUP INC | COM | 693475105 | 37,116 | 235 | SH | DFND | 1 | 0 | 235 | 0 | |
PNC FINL SVCS GROUP INC | COM | 693475105 | 184,474 | 1,168 | SH | SOLE | 0 | 0 | 1,168 | ||
PROCTER AND GAMBLE CO | COM | 742718109 | 158,683 | 1,047 | SH | DFND | 1 | 0 | 1,047 | 0 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 509,393 | 3,361 | SH | SOLE | 0 | 0 | 3,361 | ||
PROLOGIS INC. | COM | 74340W103 | 49,150 | 436 | SH | DFND | 1 | 0 | 436 | 0 | |
PROLOGIS INC. | COM | 74340W103 | 396,133 | 3,514 | SH | SOLE | 0 | 0 | 3,514 | ||
PROSHARES TR | SHORT S&P 500 NE | 74347B425 | 354,391 | 22,108 | SH | SOLE | 0 | 0 | 22,108 | ||
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 75,488 | 748 | SH | DFND | 1 | 0 | 748 | 0 | |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 192,757 | 1,910 | SH | SOLE | 0 | 0 | 1,910 | ||
S & T BANCORP INC | COM | 783859101 | 2,700 | 79 | SH | DFND | 1 | 0 | 79 | 0 | |
S & T BANCORP INC | COM | 783859101 | 487,133 | 14,252 | SH | SOLE | 0 | 0 | 14,252 | ||
S&P GLOBAL INC | COM | 78409V104 | 18,757 | 56 | SH | DFND | 1 | 0 | 56 | 0 | |
S&P GLOBAL INC | COM | 78409V104 | 546,287 | 1,631 | SH | SOLE | 0 | 0 | 1,631 | ||
SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 13,718,966 | 306,159 | SH | SOLE | 0 | 0 | 306,159 | ||
SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 48,615,182 | 1,076,748 | SH | SOLE | 0 | 0 | 1,076,748 | ||
SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | 6,730,424 | 102,582 | SH | SOLE | 0 | 0 | 102,582 | ||
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 416,625 | 10,284 | SH | SOLE | 0 | 0 | 10,284 | ||
SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | 1,564,651 | 20,713 | SH | SOLE | 0 | 0 | 20,713 | ||
SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | 988,322 | 21,650 | SH | SOLE | 0 | 0 | 21,650 | ||
SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | 14,342,862 | 297,323 | SH | SOLE | 0 | 0 | 297,323 | ||
SOUTH JERSEY INDS INC | COM | 838518108 | 226,504 | 6,375 | SH | SOLE | 0 | 0 | 6,375 | ||
SPDR GOLD TR | GOLD SHS | 78463V107 | 312,816 | 1,844 | SH | SOLE | 0 | 0 | 1,844 | ||
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 362,255 | 947 | SH | SOLE | 0 | 0 | 947 | ||
STARBUCKS CORP | COM | 855244109 | 68,349 | 689 | SH | DFND | 1 | 0 | 689 | 0 | |
STARBUCKS CORP | COM | 855244109 | 152,867 | 1,541 | SH | SOLE | 0 | 0 | 1,541 | ||
TESLA INC | COM | 88160R101 | 83,023 | 674 | SH | DFND | 1 | 0 | 674 | 0 | |
TESLA INC | COM | 88160R101 | 212,855 | 1,728 | SH | SOLE | 0 | 0 | 1,728 | ||
TEXAS INSTRS INC | COM | 882508104 | 93,845 | 568 | SH | DFND | 1 | 0 | 568 | 0 | |
TEXAS INSTRS INC | COM | 882508104 | 984,876 | 5,961 | SH | SOLE | 0 | 0 | 5,961 | ||
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 110,689 | 201 | SH | DFND | 1 | 0 | 201 | 0 | |
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 135,470 | 246 | SH | SOLE | 0 | 0 | 246 | ||
UNITEDHEALTH GROUP INC | COM | 91324P102 | 197,227 | 372 | SH | DFND | 1 | 0 | 372 | 0 | |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 49,837 | 94 | SH | SOLE | 0 | 0 | 94 | ||
VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 217,710 | 2,892 | SH | SOLE | 0 | 0 | 2,892 | ||
VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 242,460 | 3,375 | SH | SOLE | 0 | 0 | 3,375 | ||
VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 908,214 | 2,585 | SH | SOLE | 0 | 0 | 2,585 | ||
VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 335,675 | 1,647 | SH | SOLE | 0 | 0 | 1,647 | ||
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 1,039,650 | 5,664 | SH | SOLE | 0 | 0 | 5,664 | ||
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 3,256,000 | 17,030 | SH | SOLE | 0 | 0 | 17,030 | ||
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 2,215,001 | 44,176 | SH | SOLE | 0 | 0 | 44,176 | ||
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 1,351,918 | 27,317 | SH | SOLE | 0 | 0 | 27,317 | ||
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 517,181 | 3,406 | SH | SOLE | 0 | 0 | 3,406 | ||
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 290,563 | 5,618 | SH | SOLE | 0 | 0 | 5,618 | ||
VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 469,980 | 11,198 | SH | SOLE | 0 | 0 | 11,198 | ||
VISA INC | COM CL A | 92826C839 | 183,452 | 883 | SH | DFND | 1 | 0 | 883 | 0 | |
VISA INC | COM CL A | 92826C839 | 41,552 | 200 | SH | SOLE | 0 | 0 | 200 | ||
WALMART INC | COM | 931142103 | 103,507 | 730 | SH | DFND | 1 | 0 | 730 | 0 | |
WALMART INC | COM | 931142103 | 131,842 | 930 | SH | SOLE | 0 | 0 | 930 | ||
WELLS FARGO CO NEW | COM | 949746101 | 54,172 | 1,312 | SH | DFND | 1 | 0 | 1,312 | 0 | |
WELLS FARGO CO NEW | COM | 949746101 | 1,660,808 | 40,223 | SH | SOLE | 0 | 0 | 40,223 |