ACNB CORP COM 000868109 225090 3613 SH SOLE 0 0 3613 ALTRIA GROUP INC COM 02209S103 209091 3105 SH SOLE 0 0 3105 AMAZON COM INC COM 023135106 280045 1124 SH SOLE 0 0 1124 APPLE INC COM 037833100 2111471 6340 SH SOLE 0 0 6340 ARCH CAP GROUP LTD ORD G0450A105 939578 10173 SH SOLE 0 0 10173 AT&T INC COM 00206R102 241720 9907 SH SOLE 0 0 9907 BNY MELLON ETF TRUST II ENHANCED DIVID 05613H308 865524 30269 SH SOLE 0 0 30269 CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 801677 16411 SH SOLE 0 0 16411 CATERPILLAR INC COM 149123101 286359 353 SH SOLE 0 0 353 COSTCO WHOLESALE CORPORATION COM 22160K105 508923 559 SH SOLE 0 0 559 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 208631 5636 SH SOLE 0 0 5636 FIFTH THIRD BANCORP COM 316773100 306818 6066 SH SOLE 0 0 6066 INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2774856 21564 SH SOLE 0 0 21564 INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 684096 11720 SH SOLE 0 0 11720 INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 323463 5894 SH SOLE 0 0 5894 INVESCO EXCHANGE TRADED FD T ZACKS MID CAP 46137Y401 2562477 21687 SH SOLE 0 0 21687 INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 11925389 219096 SH SOLE 0 0 219096 INVESCO QQQ TR UNIT SER 1 46090E103 441851 597 SH SOLE 0 0 597 ISHARES INC CORE MSCI EMKT 46434G103 5049895 62221 SH SOLE 0 0 62221 ISHARES TR S&P MC 400VL ETF 464287705 1836645 13337 SH SOLE 0 0 13337 ISHARES TR S&P 500 GRWT ETF 464287309 19363006 136110 SH SOLE 0 0 136110 ISHARES TR MRNING SM CP ETF 464288703 2992136 39999 SH SOLE 0 0 39999 ISHARES TR MRGSTR MD CP GRW 464288307 21755252 231710 SH SOLE 0 0 231710 ISHARES TR RUS MD CP GR ETF 464287481 60439860 438988 SH SOLE 0 0 438988 ISHARES TR SHRT NAT MUN ETF 464288158 1136559 10872 SH SOLE 0 0 10872 ISHARES TR MRGSTR SM CP GR 464288604 1807228 29540 SH SOLE 0 0 29540 ISHARES TR CORE DIV GRWTH 46434V621 2031810 26951 SH SOLE 0 0 26951 ISHARES TR CRE U S REIT ETF 464288521 25047790 406752 SH SOLE 0 0 406752 ISHARES TR MSCI ACWI ETF 464288257 258628 1629 SH SOLE 0 0 1629 ISHARES TR SP SMCP600VL ETF 464287879 6622900 51701 SH SOLE 0 0 51701 ISHARES TR MRGSTR MD CP VAL 464288406 11033480 120256 SH SOLE 0 0 120256 ISHARES TR RUS 1000 VAL ETF 464287598 1131510 4564 SH SOLE 0 0 4564 ISHARES TR MORNINGSTAR GRWT 464287119 969447 8288 SH SOLE 0 0 8288 ISHARES TR U.S. REAL ES ETF 464287739 3720732 39149 SH SOLE 0 0 39149 ISHARES TR RUS 2000 GRW ETF 464287648 6373060 17857 SH SOLE 0 0 17857 ISHARES TR RUS MDCP VAL ETF 464287473 26476870 164719 SH SOLE 0 0 164719 ISHARES TR CORE S&P500 ETF 464287200 2291423 2992 SH SOLE 0 0 2992 ISHARES TR CORE S&P TTL STK 464287150 1316272 7916 SH SOLE 0 0 7916 ISHARES TR RUS TP200 GR ETF 464289438 426440 1446 SH SOLE 0 0 1446 ISHARES TR MSCI EAFE ETF 464287465 250271 2409 SH SOLE 0 0 2409 ISHARES TR S&P SML 600 GWT 464287887 10041908 62633 SH SOLE 0 0 62633 ISHARES TR CORE MSCI EAFE 46432F842 9026049 93167 SH SOLE 0 0 93167 ISHARES TR RUS 2000 VAL ETF 464287630 1470548 7021 SH SOLE 0 0 7021 ISHARES TR S&P MC 400GR ETF 464287606 8014376 73117 SH SOLE 0 0 73117 ISHARES TR CORE S&P MCP ETF 464287507 280536 3899 SH SOLE 0 0 3899 ISHARES TR RUS 1000 GRW ETF 464287614 60605371 483837 SH SOLE 0 0 483837 ISHARES TR S&P 500 VAL ETF 464287408 10613445 46493 SH SOLE 0 0 46493 J P MORGAN EXCHANGE TRADED F FUNDAMENTAL LARG 46654Q450 338374 6694 SH SOLE 0 0 6694 JOHNSON & JOHNSON COM 478160104 582957 2202 SH SOLE 0 0 2202 LOWES COS INC COM 548661107 2168540 11767 SH SOLE 0 0 11767 MARRIOTT INTL INC NEW CL A 571903202 218737 615 SH SOLE 0 0 615 META PLATFORMS INC CL A 30303M102 218279 301 SH SOLE 0 0 301 MICROSOFT CORP COM 594918104 1779081 3469 SH SOLE 0 0 3469 NVIDIA CORPORATION COM 67066G104 1806390 7910 SH SOLE 0 0 7910 PIMCO ETF TR SHTRM MUN BD ACT 72201R874 319140 6459 SH SOLE 0 0 6459 SANDISK CORP COM 80004C200 288822 166 SH SOLE 0 0 166 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 296917 8264 SH SOLE 0 0 8264 SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 508930 2600 SH SOLE 0 0 2600 SOUTHERN CO COM 842587107 235547 2842 SH SOLE 0 0 2842 SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 20067972 387712 SH SOLE 0 0 387712 SPDR INDEX SHS FDS ST MAR DIVID ETF 78463X533 373127 9291 SH SOLE 0 0 9291 SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 16972510 338030 SH SOLE 0 0 338030 SPDR SERIES TRUST ST STR SP400GRW 78464A821 19161689 183313 SH SOLE 0 0 183313 SPDR SERIES TRUST ST STR P500GRW 78464A409 54535535 443090 SH SOLE 0 0 443090 SPDR SERIES TRUST ST STR SP DIV 78464A763 505356 3450 SH SOLE 0 0 3450 SPDR SERIES TRUST ST STR SP600GRWO 78464A201 42476359 397087 SH SOLE 0 0 397087 SPDR SERIES TRUST ST STR SP400VAL 78464A839 19158274 216453 SH SOLE 0 0 216453 SPDR SERIES TRUST ST STR SP600SM C 78464A300 32344247 316635 SH SOLE 0 0 316635 SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 52199148 1764081 SH SOLE 0 0 1764081 SPDR SERIES TRUST ST STR R1K YLD 78468R770 201097 1636 SH SOLE 0 0 1636 SPDR SERIES TRUST ST STR P500VAL 78464A508 29206246 477773 SH SOLE 0 0 477773 STATE STR SPDR DOW JONES IND UT SER 1 78467X109 211048 415 SH SOLE 0 0 415 TESLA INC COM 88160R101 234884 662 SH SOLE 0 0 662 THERMO FISHER SCIENTIFIC INC COM 883556102 208590 309 SH SOLE 0 0 309 VALLEY NATL BANCORP COM 919794107 189300 15000 SH SOLE 0 0 15000 VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1242262 11293 SH SOLE 0 0 11293 VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 648655 6069 SH SOLE 0 0 6069 VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 623122 2828 SH SOLE 0 0 2828 VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 736245 5389 SH SOLE 0 0 5389 VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 635536 4607 SH SOLE 0 0 4607 VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 670078 7839 SH SOLE 0 0 7839 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 414386 1789 SH SOLE 0 0 1789 VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 30851894 105621 SH SOLE 0 0 105621 VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 71903998 367739 SH SOLE 0 0 367739 VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 1079124 3067 SH SOLE 0 0 3067 VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 84879431 392815 SH SOLE 0 0 392815 VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 718712 2526 SH SOLE 0 0 2526 VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 73789196 319392 SH SOLE 0 0 319392 VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 5119031 13678 SH SOLE 0 0 13678 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 310481 443 SH SOLE 0 0 443 VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 21218051 235468 SH SOLE 0 0 235468 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 22371197 249595 SH SOLE 0 0 249595 VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 46081784 136405 SH SOLE 0 0 136405 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 335634 4045 SH SOLE 0 0 4045 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7935636 133799 SH SOLE 0 0 133799 VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 287159 1102 SH SOLE 0 0 1102 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 8427703 65366 SH SOLE 0 0 65366 VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2768950 14989 SH SOLE 0 0 14989 VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 556218 5117 SH SOLE 0 0 5117 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 25728536 333055 SH SOLE 0 0 333055 VANGUARD STAR FDS VG TL INTL STK F 921909768 382065 4497 SH SOLE 0 0 4497 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 21712337 307497 SH SOLE 0 0 307497 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 382102 2462 SH SOLE 0 0 2462 VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 794659 8577 SH SOLE 0 0 8577 VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 276269 1715 SH SOLE 0 0 1715 VISA INC COM CL A 92826C839 220246 613 SH SOLE 0 0 613 WALMART INC COM 931142103 458495 4412 SH SOLE 0 0 4412 WATERS CORP COM 941848103 219256 499 SH SOLE 0 0 499 WESTERN DIGITAL CORP COM 958102105 227230 500 SH SOLE 0 0 500 WISDOMTREE TR US LARGECAP DIVD 97717W307 319302 3285 SH SOLE 0 0 3285 WORLD GOLD TR SPDR GLD MINIS 98149E303 236268 2875 SH SOLE 0 0 2875