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   3,959,315 20,914 SH   DFND 1 20,914 0 0
ALTRIA GROUP INC COM 02209S103   319,127 6,103 SH   DFND 1 6,103 0 0
AMAZON COM INC COM 023135106   2,776,380 12,655 SH   DFND 1 12,655 0 0
APPLE INC COM 037833100   350,588 1,400 SH Put DFND 1 1,400 0 0
APPLE INC COM 037833100   2,108,929 8,421 SH   DFND 1 8,421 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   323,642 714 SH   DFND 1 714 0 0
COCA COLA CO COM 191216100   204,803 3,289 SH   DFND 1 3,289 0 0
COSTCO WHSL CORP NEW COM 22160K105   304,145 331 SH   DFND 1 331 0 0
DIGITAL RLTY TR INC COM 253868103   265,995 1,500 SH   DFND 1 1,500 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,017,361 29,412 SH   DFND 1 29,412 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   215,636 8,674 SH   DFND 1 8,674 0 0
ELI LILLY & CO COM 532457108   477,375 618 SH   DFND 1 618 0 0
ESSA BANCORP INC COM 29667D104   305,097 15,646 SH   DFND 1 15,646 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   393,110 15,693 SH   DFND 1 15,693 0 0
FIDELITY D & D BANCORP INC COM 31609R100   234,728 4,810 SH   DFND 1 4,810 0 0
HERSHEY CO COM 427866108   347,501 2,051 SH   DFND 1 2,051 0 0
HOME DEPOT INC COM 437076102   194,495 500 SH Put DFND 1 500 0 0
HOME DEPOT INC COM 437076102   356,181 915 SH   DFND 1 915 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   3,764,375 289,789 SH   DFND 1 289,789 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,211,778 51,323 SH   DFND 1 51,323 0 0
ISHARES TR CALIF MUN BD ETF 464288356   496,904 8,675 SH   DFND 1 8,675 0 0
ISHARES TR NEW YORK MUN ETF 464288323   316,719 5,951 SH   DFND 1 5,951 0 0
ISHARES TR CORE MSCI EAFE 46432F842   720,347 10,249 SH   DFND 1 10,249 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   333,978 4,073 SH   DFND 1 4,073 0 0
ISHARES TR CORE DIV GRWTH 46434V621   1,141,409 18,607 SH   DFND 1 18,607 0 0
ISHARES TR 20 YR TR BD ETF 464287432   6,274,129 71,843 SH   DFND 1 71,843 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   341,383 1,545 SH   DFND 1 1,545 0 0
ISHARES TR BROAD USD HIGH 46435U853   7,959,799 216,357 SH   DFND 1 216,357 0 0
ISHARES TR CORE US AGGBD ET 464287226   5,925,675 61,152 SH   DFND 1 61,152 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   1,107,566 21,422 SH   DFND 1 21,422 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,364,272 10,700 SH Put DFND 1 10,700 0 0
ISHARES TR NATIONAL MUN ETF 464288414   9,346,146 87,715 SH   DFND 1 87,715 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   7,735,414 73,334 SH   DFND 1 73,334 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   10,333,366 179,617 SH   DFND 1 179,617 0 0
JOHNSON & JOHNSON COM 478160104   367,634 2,541 SH   DFND 1 2,541 0 0
MCDONALDS CORP COM 580135101   240,899 831 SH   DFND 1 831 0 0
MICROSOFT CORP COM 594918104   2,339,704 5,550 SH   DFND 1 5,550 0 0
MONDELEZ INTL INC CL A 609207105   283,944 4,753 SH   DFND 1 4,753 0 0
NETFLIX INC COM 64110L106   263,831 296 SH   DFND 1 296 0 0
NPK INTERNATIONAL INC COM SHS 651718504   505,468 65,902 SH   DFND 1 65,902 0 0
NVIDIA CORPORATION COM 67066G104   577,447 4,300 SH Put DFND 1 4,300 0 0
NVIDIA CORPORATION COM 67066G104   1,098,675 8,181 SH   DFND 1 8,181 0 0
ORACLE CORP COM 68389X105   238,152 1,429 SH   DFND 1 1,429 0 0
PARK HOTELS & RESORTS INC COM 700517105   1,754,180 124,674 SH   DFND 1 124,674 0 0
PHILIP MORRIS INTL INC COM 718172109   384,665 3,196 SH   DFND 1 3,196 0 0
PNC FINL SVCS GROUP INC COM 693475105   333,221 1,727 SH   DFND 1 1,727 0 0
PROCTER AND GAMBLE CO COM 742718109   236,122 1,408 SH   DFND 1 1,408 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,657,134 178,639 SH   DFND 1 178,639 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,909,022 427,306 SH   DFND 1 427,306 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,126,046 480,454 SH   DFND 1 480,454 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   21,537,693 777,252 SH   DFND 1 777,252 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,367,232 938,768 SH   DFND 1 938,768 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   40,300,386 1,738,584 SH   DFND 1 1,738,584 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   1,673,951 65,185 SH   DFND 1 65,185 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   11,660,695 484,650 SH   DFND 1 484,650 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,056,091 118,178 SH   DFND 1 118,178 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,018,838 221,093 SH   DFND 1 221,093 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   488,292 2,100 SH Put DFND 1 2,100 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   517,774 2,226 SH   DFND 1 2,226 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,623,718 14,966 SH   DFND 1 14,966 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   958,083 24,969 SH   DFND 1 24,969 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,582,327 4,405 SH   DFND 1 4,405 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,681,312 11,400 SH Put DFND 1 11,400 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   2,603,281 57,064 SH   DFND 1 57,064 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   729,346 27,847 SH   DFND 1 27,847 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   9,234,288 369,518 SH   DFND 1 369,518 0 0
TARGET CORP COM 87612E106   1,565,520 11,581 SH   DFND 1 11,581 0 0
TESLA INC COM 88160R101   253,208 627 SH   DFND 1 627 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   264,824 717 SH   DFND 1 717 0 0
UNITED PARCEL SERVICE INC CL B 911312106   239,212 1,897 SH   DFND 1 1,897 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,825,263 3,607 SH   DFND 1 3,607 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   455,238 9,874 SH   DFND 1 9,874 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   399,243 1,090 SH   DFND 1 1,090 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   567,097 7,886 SH   DFND 1 7,886 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,428,364 8,379 SH   DFND 1 8,379 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   405,119 1,533 SH   DFND 1 1,533 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,332,439 2,472 SH   DFND 1 2,472 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,313,727 188,775 SH   DFND 1 188,775 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   244,948 4,425 SH   DFND 1 4,425 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,350,749 30,133 SH   DFND 1 30,133 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   9,298,837 124,348 SH   DFND 1 124,348 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   443,895 7,629 SH   DFND 1 7,629 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   228,266 3,873 SH   DFND 1 3,873 0 0
VISA INC COM CL A 92826C839   919,178 2,908 SH   DFND 1 2,908 0 0
WALMART INC COM 931142103   234,910 2,600 SH Put DFND 1 2,600 0 0
WALMART INC COM 931142103   270,147 2,990 SH   DFND 1 2,990 0 0
WASTE MGMT INC DEL COM 94106L109   743,145 3,682 SH   DFND 1 3,682 0 0
WW INTL INC COM 98262P101   17,356 13,666 SH   DFND 1 13,666 0 0