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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   931,211 50,119 SH   SOLE   50,119 0 0
ADVANCED MICRO DEVICES INC COM 007903107   1,468,327 13,429 SH   SOLE   13,429 0 0
ALPHABET INC CAP STK CL C 02079K107   1,776,342 636 SH   SOLE   636 0 0
ALPHABET INC CAP STK CL A 02079K305   2,055,418 739 SH   SOLE   739 0 0
ALTRIA GROUP INC COM 02209S103   315,556 6,039 SH   SOLE   6,039 0 0
AMAZON COM INC COM 023135106   4,166,216 1,278 SH   SOLE   1,278 0 0
APPLE INC COM 037833100   3,999,829 22,907 SH   SOLE   22,907 0 0
APPLIED MATLS INC COM 038222105   391,710 2,972 SH   SOLE   2,972 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   304,561 863 SH   SOLE   863 0 0
BOEING CO COM 097023105   2,152,843 11,242 SH   SOLE   11,242 0 0
COCA COLA CO COM 191216100   267,278 4,311 SH   SOLE   4,311 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,821,126 4,899 SH   SOLE   4,899 0 0
DBX ETF TR XTRACK USD HIGH 233051432   1,754,247 46,507 SH   SOLE   46,507 0 0
DIGITAL RLTY TR INC COM 253868103   212,700 1,500 SH   SOLE   1,500 0 0
ESSA BANCORP INC COM 29667D104   294,847 16,426 SH   SOLE   16,426 0 0
FIDELITY D & D BANCORP INC COM 31609R100   223,328 4,810 SH   SOLE   4,810 0 0
FORD MTR CO DEL COM 345370860   2,000,306 118,291 SH   SOLE   118,291 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   3,918,042 138,545 SH   SOLE   138,545 0 0
HERSHEY CO COM 427866108   330,933 1,528 SH   SOLE   1,528 0 0
INTEL CORP COM 458140100   233,031 4,702 SH   SOLE   4,702 0 0
ISHARES TR 20 YR TR BD ETF 464287432   4,118,285 31,180 SH   SOLE   31,180 0 0
ISHARES TR CORE S&P500 ETF 464287200   488,170 1,076 SH   SOLE   1,076 0 0
ISHARES TR SP SMCP600VL ETF 464287879   2,650,943 25,891 SH   SOLE   25,891 0 0
JOHNSON & JOHNSON COM 478160104   442,031 2,494 SH   SOLE   2,494 0 0
MCDONALDS CORP COM 580135101   241,840 978 SH   SOLE   978 0 0
MICROSOFT CORP COM 594918104   3,109,938 10,087 SH   SOLE   10,087 0 0
MONDELEZ INTL INC CL A 609207105   369,209 5,881 SH   SOLE   5,881 0 0
NETFLIX INC COM 64110L106   234,493 626 SH   SOLE   626 0 0
NIKOLA CORP COM 654110105   107,314 10,020 SH   SOLE   10,020 0 0
PEPSICO INC COM 713448108   254,299 1,519 SH   SOLE   1,519 0 0
PHILIP MORRIS INTL INC COM 718172109   275,015 2,928 SH   SOLE   2,928 0 0
PNC FINL SVCS GROUP INC COM 693475105   589,870 3,198 SH   SOLE   3,198 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   16,505,054 209,216 SH   SOLE   209,216 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,044,873 160,985 SH   SOLE   160,985 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   19,232,836 380,321 SH   SOLE   380,321 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   30,472,317 565,874 SH   SOLE   565,874 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   3,981,018 82,389 SH   SOLE   82,389 0 0
SPDR GOLD TR GOLD SHS 78463V107   6,519,839 36,091 SH   SOLE   36,091 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,920,047 5,726 SH   SOLE   5,726 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,025,559 25,939 SH   SOLE   25,939 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   244,548 4,801 SH   SOLE   4,801 0 0
VISA INC COM CL A 92826C839   2,465,848 11,119 SH   SOLE   11,119 0 0
WASTE MGMT INC DEL COM 94106L109   2,301,579 14,521 SH   SOLE   14,521 0 0