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
Estimated average burden
hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305   2,577,748 15,542 SH   DFND 1 15,542 0 0
ALTRIA GROUP INC COM 02209S103   313,029 6,133 SH   DFND 1 6,133 0 0
AMAZON COM INC COM 023135106   2,670,295 14,331 SH   DFND 1 14,331 0 0
APPLE INC COM 037833100   163,100 700 SH Put DFND 1 700 0 0
APPLE INC COM 037833100   1,993,189 8,554 SH   DFND 1 8,554 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   328,626 714 SH   DFND 1 714 0 0
COCA COLA CO COM 191216100   236,382 3,289 SH   DFND 1 3,289 0 0
COSTCO WHSL CORP NEW COM 22160K105   294,191 331 SH   DFND 1 331 0 0
DIGITAL RLTY TR INC COM 253868103   242,745 1,500 SH   DFND 1 1,500 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,078,626 31,456 SH   DFND 1 31,456 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   240,146 8,891 SH   DFND 1 8,891 0 0
ELI LILLY & CO COM 532457108   547,795 618 SH   DFND 1 618 0 0
ESSA BANCORP INC COM 29667D104   314,170 16,346 SH   DFND 1 16,346 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   399,994 15,917 SH   DFND 1 15,917 0 0
EXXON MOBIL CORP COM 30231G102   950,685 8,109 SH   DFND 1 8,109 0 0
FIDELITY D & D BANCORP INC COM 31609R100   237,325 4,810 SH   DFND 1 4,810 0 0
GRAFTECH INTL LTD COM 384313508   13,200 10,000 SH   DFND 1 10,000 0 0
HERSHEY CO COM 427866108   392,761 2,047 SH   DFND 1 2,047 0 0
HOME DEPOT INC COM 437076102   202,600 500 SH Put DFND 1 500 0 0
HOME DEPOT INC COM 437076102   345,042 851 SH   DFND 1 851 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   3,542,257 263,757 SH   DFND 1 263,757 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,180,934 48,899 SH   DFND 1 48,899 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,127,012 21,401 SH   DFND 1 21,401 0 0
ISHARES TR CALIF MUN BD ETF 464288356   467,030 8,037 SH   DFND 1 8,037 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   241,433 1,093 SH   DFND 1 1,093 0 0
ISHARES TR NEW YORK MUN ETF 464288323   322,687 5,939 SH   DFND 1 5,939 0 0
ISHARES TR NATIONAL MUN ETF 464288414   9,977,879 91,851 SH   DFND 1 91,851 0 0
ISHARES TR CORE DIV GRWTH 46434V621   1,609,713 25,676 SH   DFND 1 25,676 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   7,276,209 68,520 SH   DFND 1 68,520 0 0
ISHARES TR CORE US AGGBD ET 464287226   4,653,365 45,949 SH   DFND 1 45,949 0 0
ISHARES TR CORE MSCI EAFE 46432F842   456,767 5,851 SH   DFND 1 5,851 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,253,078 10,200 SH Put DFND 1 10,200 0 0
ISHARES TR 20 YR TR BD ETF 464287432   5,338,764 54,421 SH   DFND 1 54,421 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   374,580 4,504 SH   DFND 1 4,504 0 0
ISHARES TR BROAD USD HIGH 46435U853   7,769,992 206,373 SH   DFND 1 206,373 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   10,968,467 184,313 SH   DFND 1 184,313 0 0
JOHNSON & JOHNSON COM 478160104   410,063 2,529 SH   DFND 1 2,529 0 0
MCDONALDS CORP COM 580135101   247,871 814 SH   DFND 1 814 0 0
MICROSOFT CORP COM 594918104   2,349,540 5,459 SH   DFND 1 5,459 0 0
MONDELEZ INTL INC CL A 609207105   350,218 4,753 SH   DFND 1 4,753 0 0
NETFLIX INC COM 64110L106   209,944 296 SH   DFND 1 296 0 0
NEWPARK RES INC COM PAR $.01NEW 651718504   456,701 65,902 SH   DFND 1 65,902 0 0
NEXGEL INC COM 65344E107   82,168 31,848 SH   DFND 1 31,848 0 0
NVIDIA CORPORATION COM 67066G104   522,192 4,300 SH Put DFND 1 4,300 0 0
NVIDIA CORPORATION COM 67066G104   928,591 7,646 SH   DFND 1 7,646 0 0
ORACLE CORP COM 68389X105   243,525 1,429 SH   DFND 1 1,429 0 0
PARK HOTELS & RESORTS INC COM 700517105   1,307,719 92,746 SH   DFND 1 92,746 0 0
PEPSICO INC COM 713448108   211,405 1,243 SH   DFND 1 1,243 0 0
PHILIP MORRIS INTL INC COM 718172109   388,021 3,196 SH   DFND 1 3,196 0 0
PNC FINL SVCS GROUP INC COM 693475105   326,052 1,763 SH   DFND 1 1,763 0 0
PROCTER AND GAMBLE CO COM 742718109   243,246 1,404 SH   DFND 1 1,404 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,074,135 439,545 SH   DFND 1 439,545 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,912,251 123,940 SH   DFND 1 123,940 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   39,805,532 586,669 SH   DFND 1 586,669 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,431,694 170,728 SH   DFND 1 170,728 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,959,921 104,374 SH   DFND 1 104,374 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   11,207,803 228,823 SH   DFND 1 228,823 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,834,878 55,046 SH   DFND 1 55,046 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,195,262 52,198 SH   DFND 1 52,198 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   21,736,834 261,605 SH   DFND 1 261,605 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   548,525 2,429 SH   DFND 1 2,429 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,633,747 14,950 SH   DFND 1 14,950 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,043,350 25,274 SH   DFND 1 25,274 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,770,185 3,084 SH   DFND 1 3,084 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,508,096 9,600 SH Put DFND 1 9,600 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   9,035,623 345,662 SH   DFND 1 345,662 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   2,606,047 55,648 SH   DFND 1 55,648 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   720,685 24,790 SH   DFND 1 24,790 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   234,404 603 SH   DFND 1 603 0 0
UNITED PARCEL SERVICE INC CL B 911312106   263,000 1,929 SH   DFND 1 1,929 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,989,694 3,403 SH   DFND 1 3,403 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   667,524 1,933 SH   DFND 1 1,933 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   623,125 8,296 SH   DFND 1 8,296 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,316,671 2,495 SH   DFND 1 2,495 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   489,923 1,856 SH   DFND 1 1,856 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,327,054 8,218 SH   DFND 1 8,218 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,826,853 205,367 SH   DFND 1 205,367 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   486,496 8,242 SH   DFND 1 8,242 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   10,010,005 123,229 SH   DFND 1 123,229 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,259,724 28,452 SH   DFND 1 28,452 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   247,060 3,816 SH   DFND 1 3,816 0 0
VISA INC COM CL A 92826C839   2,265,410 8,238 SH   DFND 1 8,238 0 0
WALMART INC COM 931142103   209,950 2,600 SH Put DFND 1 2,600 0 0
WALMART INC COM 931142103   239,101 2,961 SH   DFND 1 2,961 0 0
WASTE MGMT INC DEL COM 94106L109   746,754 3,596 SH   DFND 1 3,596 0 0