The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
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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 | FIGI | (to the nearest dollar) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| ABRDN GOLD ETF TRUST | PHYSCL GOLD SHS | 00326A104 | 576,803 | 29,220 | SH | DFND | 1 | 29,220 | 0 | 0 | ||
| ADVANCED MICRO DEVICES INC | COM | 007903107 | 481,736 | 3,268 | SH | DFND | 1 | 3,268 | 0 | 0 | ||
| ALPHABET INC | CAP STK CL A | 02079K305 | 872,923 | 6,249 | SH | DFND | 1 | 6,249 | 0 | 0 | ||
| ALTRIA GROUP INC | COM | 02209S103 | 247,406 | 6,133 | SH | DFND | 1 | 6,133 | 0 | 0 | ||
| AMAZON COM INC | COM | 023135106 | 998,398 | 6,571 | SH | DFND | 1 | 6,571 | 0 | 0 | ||
| APPLE INC | COM | 037833100 | 1,406,906 | 7,308 | SH | DFND | 1 | 7,308 | 0 | 0 | ||
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 227,549 | 638 | SH | DFND | 1 | 638 | 0 | 0 | ||
| COSTCO WHSL CORP NEW | COM | 22160K105 | 824,799 | 1,249 | SH | DFND | 1 | 1,249 | 0 | 0 | ||
| DIGITAL RLTY TR INC | COM | 253868103 | 201,870 | 1,500 | SH | DFND | 1 | 1,500 | 0 | 0 | ||
| ELI LILLY & CO | COM | 532457108 | 356,293 | 611 | SH | DFND | 1 | 611 | 0 | 0 | ||
| ESSA BANCORP INC | COM | 29667D104 | 413,333 | 20,646 | SH | DFND | 1 | 20,646 | 0 | 0 | ||
| EXXON MOBIL CORP | COM | 30231G102 | 647,096 | 6,472 | SH | DFND | 1 | 6,472 | 0 | 0 | ||
| FIDELITY D & D BANCORP INC | COM | 31609R100 | 279,124 | 4,810 | SH | DFND | 1 | 4,810 | 0 | 0 | ||
| GRANITESHARES GOLD TR | SHS BEN INT | 38748G101 | 334,620 | 16,411 | SH | DFND | 1 | 16,411 | 0 | 0 | ||
| HERSHEY CO | COM | 427866108 | 379,767 | 2,037 | SH | DFND | 1 | 2,037 | 0 | 0 | ||
| HOME DEPOT INC | COM | 437076102 | 262,852 | 758 | SH | DFND | 1 | 758 | 0 | 0 | ||
| INVESCO CURRENCYSHARES JAPAN | JAPANESE YEN | 46138W107 | 658,363 | 10,004 | SH | DFND | 1 | 10,004 | 0 | 0 | ||
| INVESCO DB US DLR INDEX TR | BEARISH FD | 46141D104 | 1,559,409 | 84,612 | SH | DFND | 1 | 84,612 | 0 | 0 | ||
| INVESCO EXCH TRADED FD TR II | NATL AMT MUNI | 46138E537 | 708,240 | 29,291 | SH | DFND | 1 | 29,291 | 0 | 0 | ||
| INVESCO EXCHANGE TRADED FD T | S&P500 EQL WGT | 46137V357 | 8,550,218 | 54,184 | SH | DFND | 1 | 54,184 | 0 | 0 | ||
| ISHARES TR | NEW YORK MUN ETF | 464288323 | 1,367,041 | 25,273 | SH | DFND | 1 | 25,273 | 0 | 0 | ||
| ISHARES TR | CALIF MUN BD ETF | 464288356 | 270,696 | 4,672 | SH | DFND | 1 | 4,672 | 0 | 0 | ||
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | 1,333,672 | 26,010 | SH | DFND | 1 | 26,010 | 0 | 0 | ||
| ISHARES TR | CORE US AGGBD ET | 464287226 | 4,385,787 | 44,189 | SH | DFND | 1 | 44,189 | 0 | 0 | ||
| ISHARES TR | CORE DIV GRWTH | 46434V621 | 2,941,069 | 54,647 | SH | DFND | 1 | 54,647 | 0 | 0 | ||
| ISHARES TR | 20 YR TR BD ETF | 464287432 | 7,057,589 | 71,376 | SH | DFND | 1 | 71,376 | 0 | 0 | ||
| ISHARES TR | BROAD USD HIGH | 46435U853 | 4,256,007 | 117,084 | SH | DFND | 1 | 117,084 | 0 | 0 | ||
| ISHARES TR | NATIONAL MUN ETF | 464288414 | 5,476,517 | 50,516 | SH | DFND | 1 | 50,516 | 0 | 0 | ||
| ISHARES TR | 10+ YR INVST GRD | 464289511 | 217,445 | 4,127 | SH | DFND | 1 | 4,127 | 0 | 0 | ||
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | 2,053,096 | 25,026 | SH | DFND | 1 | 25,026 | 0 | 0 | ||
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | 3,813,579 | 36,171 | SH | DFND | 1 | 36,171 | 0 | 0 | ||
| ISHARES TR | CORE MSCI EAFE | 46432F842 | 501,596 | 7,130 | SH | DFND | 1 | 7,130 | 0 | 0 | ||
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | 2,944,839 | 53,562 | SH | DFND | 1 | 53,562 | 0 | 0 | ||
| JOHNSON & JOHNSON | COM | 478160104 | 899,409 | 5,738 | SH | DFND | 1 | 5,738 | 0 | 0 | ||
| MCDONALDS CORP | COM | 580135101 | 241,359 | 814 | SH | DFND | 1 | 814 | 0 | 0 | ||
| MICROSOFT CORP | COM | 594918104 | 1,170,824 | 3,114 | SH | DFND | 1 | 3,114 | 0 | 0 | ||
| MONDELEZ INTL INC | CL A | 609207105 | 344,323 | 4,754 | SH | DFND | 1 | 4,754 | 0 | 0 | ||
| NVIDIA CORPORATION | COM | 67066G104 | 565,574 | 1,142 | SH | DFND | 1 | 1,142 | 0 | 0 | ||
| PEPSICO INC | COM | 713448108 | 228,808 | 1,347 | SH | DFND | 1 | 1,347 | 0 | 0 | ||
| PHILIP MORRIS INTL INC | COM | 718172109 | 300,701 | 3,196 | SH | DFND | 1 | 3,196 | 0 | 0 | ||
| PNC FINL SVCS GROUP INC | COM | 693475105 | 439,290 | 2,837 | SH | DFND | 1 | 2,837 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 11,745,263 | 141,577 | SH | DFND | 1 | 141,577 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | 14,963,217 | 196,548 | SH | DFND | 1 | 196,548 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | 9,163,856 | 247,940 | SH | DFND | 1 | 247,940 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 24,595,783 | 436,096 | SH | DFND | 1 | 436,096 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | 4,488,291 | 96,274 | SH | DFND | 1 | 96,274 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | 15,745,271 | 209,045 | SH | DFND | 1 | 209,045 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 4,275,571 | 90,508 | SH | DFND | 1 | 90,508 | 0 | 0 | ||
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | 14,560,953 | 300,535 | SH | DFND | 1 | 300,535 | 0 | 0 | ||
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | 440,202 | 2,287 | SH | DFND | 1 | 2,287 | 0 | 0 | ||
| SPDR GOLD TR | GOLD SHS | 78463V107 | 4,650,975 | 24,329 | SH | DFND | 1 | 24,329 | 0 | 0 | ||
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | 972,406 | 27,461 | SH | DFND | 1 | 27,461 | 0 | 0 | ||
| SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 1,145,705 | 2,410 | SH | DFND | 1 | 2,410 | 0 | 0 | ||
| SPDR SER TR | PORTFOLIO LN TSR | 78464A664 | 2,338,437 | 80,580 | SH | DFND | 1 | 80,580 | 0 | 0 | ||
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 | 9,898,415 | 386,054 | SH | DFND | 1 | 386,054 | 0 | 0 | ||
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 | 990,321 | 21,071 | SH | DFND | 1 | 21,071 | 0 | 0 | ||
| UNITED PARCEL SERVICE INC | CL B | 911312106 | 303,297 | 1,929 | SH | DFND | 1 | 1,929 | 0 | 0 | ||
| UNITEDHEALTH GROUP INC | COM | 91324P102 | 1,391,660 | 2,644 | SH | DFND | 1 | 2,644 | 0 | 0 | ||
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 | 1,657,166 | 6,120 | SH | DFND | 1 | 6,120 | 0 | 0 | ||
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 737,839 | 10,032 | SH | DFND | 1 | 10,032 | 0 | 0 | ||
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,383,979 | 5,834 | SH | DFND | 1 | 5,834 | 0 | 0 | ||
| VANGUARD INDEX FDS | S&P 500 ETF SHS | 922908363 | 1,973,432 | 4,518 | SH | DFND | 1 | 4,518 | 0 | 0 | ||
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 670,642 | 2,883 | SH | DFND | 1 | 2,883 | 0 | 0 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 5,269,485 | 128,211 | SH | DFND | 1 | 128,211 | 0 | 0 | ||
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 223,355 | 4,375 | SH | DFND | 1 | 4,375 | 0 | 0 | ||
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 | 378,108 | 6,145 | SH | DFND | 1 | 6,145 | 0 | 0 | ||
| VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 | 3,997,798 | 49,879 | SH | DFND | 1 | 49,879 | 0 | 0 | ||
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 1,501,651 | 19,409 | SH | DFND | 1 | 19,409 | 0 | 0 | ||
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 994,753 | 17,054 | SH | DFND | 1 | 17,054 | 0 | 0 | ||
| VISA INC | COM CL A | 92826C839 | 1,341,910 | 5,154 | SH | DFND | 1 | 5,154 | 0 | 0 | ||
| WASTE MGMT INC DEL | COM | 94106L109 | 1,073,362 | 5,993 | SH | DFND | 1 | 5,993 | 0 | 0 | ||
| XCEL ENERGY INC | COM | 98389B100 | 391,519 | 6,324 | SH | DFND | 1 | 6,324 | 0 | 0 | ||