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 C 02079K107   670,493 2,753 SH   DFND 1 2,753 0 0
ALPHABET INC CAP STK CL A 02079K305   1,206,751 4,962 SH   DFND 1 4,962 0 0
ALTRIA GROUP INC COM 02209S103   216,482 3,277 SH   DFND 1 3,277 0 0
AMAZON COM INC COM 023135106   1,099,826 5,009 SH   DFND 1 5,009 0 0
AMERIPRISE FINL INC COM 03076C106   360,578 734 SH   DFND 1 734 0 0
APPLE INC COM 037833100   4,978,693 19,552 SH   DFND 1 19,552 0 0
BARINGS BDC INC COM 06759L103   128,649 14,686 SH   DFND 1 14,686 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   406,717 809 SH   DFND 1 809 0 0
BROADCOM INC COM 11135F101   305,497 926 SH   DFND 1 926 0 0
CNB FINL CORP PA COM 126128107   321,473 13,284 SH   DFND 1 13,284 0 0
COCA COLA CO COM 191216100   255,531 3,853 SH   DFND 1 3,853 0 0
COSTCO WHSL CORP NEW COM 22160K105   407,898 440 SH   DFND 1 440 0 0
DIGITAL RLTY TR INC COM 253868103   261,740 1,514 SH   DFND 1 1,514 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   244,682 7,797 SH   DFND 1 7,797 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,121,444 29,074 SH   DFND 1 29,074 0 0
ELI LILLY & CO COM 532457108   494,424 648 SH   DFND 1 648 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   334,747 9,094 SH   DFND 1 9,094 0 0
GOLDMAN SACHS ETF TR S&P 500 PREMIUM 38149W622   14,957,000 286,368 SH   DFND 1 286,368 0 0
HERSHEY CO COM 427866108   358,866 1,918 SH   DFND 1 1,918 0 0
HOME DEPOT INC COM 437076102   570,320 1,407 SH   DFND 1 1,407 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   6,724,511 500,687 SH   DFND 1 500,687 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,927,799 83,480 SH   DFND 1 83,480 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   216,733 361 SH   DFND 1 361 0 0
ISHARES TR CALIF MUN BD ETF 464288356   573,822 10,060 SH   DFND 1 10,060 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   926,894 17,478 SH   DFND 1 17,478 0 0
ISHARES TR NEW YORK MUN ETF 464288323   291,116 5,456 SH   DFND 1 5,456 0 0
ISHARES TR ESG ADV TTL USD 46436E619   269,844 6,144 SH   DFND 1 6,144 0 0
ISHARES TR CORE MSCI EAFE 46432F842   620,527 7,103 SH   DFND 1 7,103 0 0
ISHARES TR CORE DIV GRWTH 46434V621   332,735 4,885 SH   DFND 1 4,885 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   312,214 3,763 SH   DFND 1 3,763 0 0
ISHARES TR NATIONAL MUN ETF 464288414   14,695,534 137,990 SH   DFND 1 137,990 0 0
ISHARES TR CORE US AGGBD ET 464287226   7,032,123 70,132 SH   DFND 1 70,132 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   8,253,463 77,288 SH   DFND 1 77,288 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   10,717,469 44,293 SH   DFND 1 44,293 0 0
ISHARES TR 20 YR TR BD ETF 464287432   8,066,301 90,217 SH   DFND 1 90,217 0 0
ISHARES TR BROAD USD HIGH 46435U853   14,744,986 390,232 SH   DFND 1 390,232 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   9,401,229 164,645 SH   DFND 1 164,645 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   7,590,748 149,483 SH   DFND 1 149,483 0 0
JOHNSON & JOHNSON COM 478160104   395,251 2,131 SH   DFND 1 2,131 0 0
MARATHON PETE CORP COM 56585A102   252,104 1,308 SH   DFND 1 1,308 0 0
MCDONALDS CORP COM 580135101   233,995 770 SH   DFND 1 770 0 0
META PLATFORMS INC CL A 30303M102   279,064 380 SH   DFND 1 380 0 0
MICROSOFT CORP COM 594918104   1,395,528 2,694 SH   DFND 1 2,694 0 0
NETFLIX INC COM 64110L106   376,461 314 SH   DFND 1 314 0 0
NPK INTERNATIONAL INC COM SHS 651718504   755,621 66,810 SH   DFND 1 66,810 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101   145,681 12,462 SH   DFND 1 12,462 0 0
NVIDIA CORPORATION COM 67066G104   2,803,892 15,027 SH   DFND 1 15,027 0 0
ORACLE CORP COM 68389X105   448,617 1,595 SH   DFND 1 1,595 0 0
PNC FINL SVCS GROUP INC COM 693475105   355,621 1,769 SH   DFND 1 1,769 0 0
PPL CORP COM 69351T106   550,191 14,806 SH   DFND 1 14,806 0 0
PROCTER AND GAMBLE CO COM 742718109   254,202 1,654 SH   DFND 1 1,654 0 0
PUT ALPHABET INC OPTION EQUITY 02079K305   389,680 1,600 SH   DFND 1 1,600 0 0
PUT ALPHABET INC OPTION EQUITY 02079K305   292,260 1,200 SH   DFND 1 1,200 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   50,738,779 1,926,244 SH   DFND 1 1,926,244 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,361,700 269,607 SH   DFND 1 269,607 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   25,197,288 850,051 SH   DFND 1 850,051 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,214,167 79,335 SH   DFND 1 79,335 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   20,917,186 898,460 SH   DFND 1 898,460 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   13,470,845 552,024 SH   DFND 1 552,024 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   22,953,036 719,262 SH   DFND 1 719,262 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   17,193,888 590,599 SH   DFND 1 590,599 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   1,130,513 44,142 SH   DFND 1 44,142 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,836,785 248,673 SH   DFND 1 248,673 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   642,409 2,278 SH   DFND 1 2,278 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,423,883 9,632 SH   DFND 1 9,632 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   951,165 20,318 SH   DFND 1 20,318 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   29,048,255 43,602 SH   DFND 1 43,602 0 0
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606   5,901,831 246,526 SH   DFND 1 246,526 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   256,337 9,509 SH   DFND 1 9,509 0 0
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721   3,607,721 79,157 SH   DFND 1 79,157 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   8,531,783 330,033 SH   DFND 1 330,033 0 0
STRATEGY INC CL A NEW 594972408   1,707,713 5,300 SH   DFND 1 5,300 0 0
TESLA INC COM 88160R101   5,615,924 12,628 SH   DFND 1 12,628 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   355,823 817 SH   DFND 1 817 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   487,793 6,559 SH   DFND 1 6,559 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   422,001 1,436 SH   DFND 1 1,436 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,974,846 120,006 SH   DFND 1 120,006 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,704,172 8,240 SH   DFND 1 8,240 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,160,392 1,894 SH   DFND 1 1,894 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   12,892,734 237,916 SH   DFND 1 237,916 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   11,443,346 147,325 SH   DFND 1 147,325 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,538,629 31,746 SH   DFND 1 31,746 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   276,477 4,698 SH   DFND 1 4,698 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   241,316 3,285 SH   DFND 1 3,285 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733   433,846 3,663 SH   DFND 1 3,663 0 0
WALMART INC COM 931142103   619,049 6,014 SH   DFND 1 6,014 0 0