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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI EMG MKT ETF 464287234 269 6,730 SH   SOLE   0 0 6,730
ISHARES TR NATIONAL MUN ETF 464288414 995 8,624 SH   SOLE   0 0 8,624
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 409 4,020 SH   SOLE   0 0 4,020
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,305 157,711 SH   SOLE   0 0 157,711
ISHARES TR AGGRES ALLOC ETF 464289859 224 4,086 SH   SOLE   0 0 4,086
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,936 53,570 SH   SOLE   0 0 53,570
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,616 66,377 SH   SOLE   0 0 66,377
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,011 302,890 SH   SOLE   0 0 302,890
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,138 37,031 SH   SOLE   0 0 37,031
ISHARES TR CRE U S REIT ETF 464288521 1,212 27,879 SH   SOLE   0 0 27,879
ISHARES TR RUS 2000 GRW ETF 464287648 1,379 6,667 SH   SOLE   0 0 6,667
ISHARES TR RUSSELL 2000 ETF 464287655 794 5,544 SH   SOLE   0 0 5,544
VANGUARD INDEX FDS VALUE ETF 922908744 4,607 46,259 SH   SOLE   0 0 46,259
VANGUARD WORLD FD ESG US STK ETF 921910733 215 3,811 SH   SOLE   0 0 3,811
ISHARES TR USA MOMENTUM FCT 46432F396 1,433 10,939 SH   SOLE   0 0 10,939
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 11,325 226,008 SH   SOLE   0 0 226,008
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 6,281 161,916 SH   SOLE   0 0 161,916
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,268 64,399 SH   SOLE   0 0 64,399
SPDR SER TR DJ REIT ETF 78464A607 209 2,677 SH   SOLE   0 0 2,677
ISHARES TR 1 3 YR TREAS BD 464287457 750 8,656 SH   SOLE   0 0 8,656
MICROSOFT CORP COM 594918104 513 2,519 SH   SOLE   0 0 2,519
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,577 58,857 SH   SOLE   0 0 58,857
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,318 158,082 SH   SOLE   0 0 158,082
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,902 10,239 SH   SOLE   0 0 10,239
ISHARES TR RUS MDCP VAL ETF 464287473 202 2,644 SH   SOLE   0 0 2,644
ISHARES TR GRWT ALLOCAT ETF 464289867 273 5,880 SH   SOLE   0 0 5,880
ISHARES TR MSCI EAFE ETF 464287465 305 5,012 SH   SOLE   0 0 5,012
JOHNSON & JOHNSON COM 478160104 2,442 17,362 SH   SOLE   0 0 17,362
BRYN MAWR BK CORP COM 117665109 371 13,417 SH   SOLE   0 0 13,417
OPTINOSE INC COM 68404V100 110 14,800 SH   SOLE   0 0 14,800
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 504 17,039 SH   SOLE   0 0 17,039
JPMORGAN CHASE & CO COM 46625H100 409 4,347 SH   SOLE   0 0 4,347
ARK ETF TR GENOMIC REV ETF 00214Q302 209 4,000 SH   SOLE   0 0 4,000
ISHARES TR JPMORGAN USD EMG 464288281 362 3,317 SH   SOLE   0 0 3,317
APPLE INC COM 037833100 594 1,629 SH   SOLE   0 0 1,629
SCHWAB STRATEGIC TR US TIPS ETF 808524870 14,637 243,861 SH   SOLE   0 0 243,861
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,095 27,642 SH   SOLE   0 0 27,642
VANGUARD WORLD FDS INF TECH ETF 92204A702 315 1,131 SH   SOLE   0 0 1,131
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,523 27,073 SH   SOLE   0 0 27,073
ISHARES TR RUS MD CP GR ETF 464287481 852 5,390 SH   SOLE   0 0 5,390
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 448 5,689 SH   SOLE   0 0 5,689
ISHARES TR RUS 1000 VAL ETF 464287598 1,892 16,800 SH   SOLE   0 0 16,800
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 16,541 162,897 SH   SOLE   0 0 162,897
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,944 228,665 SH   SOLE   0 0 228,665
VANGUARD INDEX FDS GROWTH ETF 922908736 1,538 7,610 SH   SOLE   0 0 7,610
ISHARES TR RUS 1000 ETF 464287622 1,363 7,939 SH   SOLE   0 0 7,939
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 310 6,106 SH   SOLE   0 0 6,106
ISHARES TR RUS 1000 GRW ETF 464287614 3,763 19,605 SH   SOLE   0 0 19,605
AT&T INC COM 00206R102 265 8,768 SH   SOLE   0 0 8,768
VANGUARD INDEX FDS MID CAP ETF 922908629 3,705 22,602 SH   SOLE   0 0 22,602