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
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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
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 221,829 3,358 SH   SOLE   0 0 3,358
APPLE INC COM 037833100 BBG001S5N8V8 1,724,927 6,774 SH   SOLE   0 0 6,774
AT&T INC COM 00206R102 BBG001S5VWH2 275,174 9,744 SH   SOLE   0 0 9,744
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 446,530 8,655 SH   SOLE   0 0 8,655
BROADCOM INC COM 11135F101 BBG00KHY5SY8 225,329 683 SH   SOLE   0 0 683
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 698,043 3,680 SH   SOLE   0 0 3,680
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 BBG01KYQ6QS5 242,450 3,730 SH   SOLE   0 0 3,730
ISHARES TR CORE 60/40 BALAN 464289867 BBG001T3YV58 237,059 3,682 SH   SOLE   0 0 3,682
ISHARES TR CORE 80/20 AGGRE 464289859 BBG001T3YVL0 612,686 6,951 SH   SOLE   0 0 6,951
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 569,296 6,097 SH   SOLE   0 0 6,097
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 2,483,720 9,685 SH   SOLE   0 0 9,685
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,536,010 14,424 SH   SOLE   0 0 14,424
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,103,165 5,755 SH   SOLE   0 0 5,755
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,512,636 11,769 SH   SOLE   0 0 11,769
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,866,251 9,167 SH   SOLE   0 0 9,167
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,961,351 6,128 SH   SOLE   0 0 6,128
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 252,359 1,427 SH   SOLE   0 0 1,427
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 1,026,773 7,210 SH   SOLE   0 0 7,210
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 477,663 3,420 SH   SOLE   0 0 3,420
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 984,531 4,069 SH   SOLE   0 0 4,069
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,515,560 13,627 SH   SOLE   0 0 13,627
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,798,799 15,094 SH   SOLE   0 0 15,094
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 401,005 1,271 SH   SOLE   0 0 1,271
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 212,195 2,228 SH   SOLE   0 0 2,228
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 425,369 579 SH   SOLE   0 0 579
MICROSOFT CORP COM 594918104 BBG001S5TD05 573,371 1,107 SH   SOLE   0 0 1,107
NEWAMSTERDAM PHARMA COMPANY ORDINARY SHARES N62509109 BBG01BNNTQP2 213,300 7,500 SH   SOLE   0 0 7,500
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 497,954 3,070 SH   SOLE   0 0 3,070
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,608,874 78,180 SH   SOLE   0 0 78,180
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 14,801,659 635,810 SH   SOLE   0 0 635,810
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 925,610 20,339 SH   SOLE   0 0 20,339
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 5,047,724 215,071 SH   SOLE   0 0 215,071
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 19,195,721 746,625 SH   SOLE   0 0 746,625
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 33,779,516 1,058,587 SH   SOLE   0 0 1,058,587
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 31,490,066 1,081,761 SH   SOLE   0 0 1,081,761
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 34,242,580 1,300,022 SH   SOLE   0 0 1,300,022
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 18,086,646 610,211 SH   SOLE   0 0 610,211
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 20,116,963 721,038 SH   SOLE   0 0 721,038
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 24,879,400 923,169 SH   SOLE   0 0 923,169
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,914,762 38,713 SH   SOLE   0 0 38,713
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 15,470,694 32,257 SH   SOLE   0 0 32,257
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 17,888,168 60,898 SH   SOLE   0 0 60,898
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 28,173,364 46,006 SH   SOLE   0 0 46,006
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 20,784,418 81,738 SH   SOLE   0 0 81,738
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 19,176,326 102,828 SH   SOLE   0 0 102,828
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 728,951 13,454 SH   SOLE   0 0 13,454
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 7,010,672 83,351 SH   SOLE   0 0 83,351
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 10,525,231 175,655 SH   SOLE   0 0 175,655
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 592,378 4,203 SH   SOLE   0 0 4,203
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,982,125 28,573 SH   SOLE   0 0 28,573
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,634,235 22,241 SH   SOLE   0 0 22,241
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 746,533 1,000 SH   SOLE   0 0 1,000
WSFS FINL CORP COM 929328102 BBG001S5XJX1 651,205 12,075 SH   SOLE   0 0 12,075