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
APPLE INC COM 037833100 949 6,944 SH   SOLE   0 0 6,944
AUTOMATIC DATA PROCESSING IN COM 053015103 220 1,047 SH   SOLE   0 0 1,047
BK OF AMERICA CORP COM 060505104 248 7,967 SH   SOLE   0 0 7,967
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 555 4,132 SH   SOLE   0 0 4,132
IQVIA HLDGS INC COM 46266C105 1,441 6,643 SH   SOLE   0 0 6,643
ISHARES TR 1 3 YR TREAS BD 464287457 333 4,020 SH   SOLE   0 0 4,020
ISHARES TR AGGRES ALLOC ETF 464289859 341 5,701 SH   SOLE   0 0 5,701
ISHARES TR CRE U S REIT ETF 464288521 3,013 56,416 SH   SOLE   0 0 56,416
ISHARES TR JPMORGAN USD EMG 464288281 357 4,189 SH   SOLE   0 0 4,189
ISHARES TR MSCI EAFE ETF 464287465 364 5,822 SH   SOLE   0 0 5,822
ISHARES TR MSCI EMG MKT ETF 464287234 207 5,150 SH   SOLE   0 0 5,150
ISHARES TR MSCI USA MMENTM 46432F396 1,498 10,986 SH   SOLE   0 0 10,986
ISHARES TR NATIONAL MUN ETF 464288414 938 8,823 SH   SOLE   0 0 8,823
ISHARES TR RUS 1000 ETF 464287622 1,450 6,979 SH   SOLE   0 0 6,979
ISHARES TR RUS 1000 GRW ETF 464287614 3,361 15,369 SH   SOLE   0 0 15,369
ISHARES TR RUS 1000 VAL ETF 464287598 1,786 12,318 SH   SOLE   0 0 12,318
ISHARES TR RUS 2000 GRW ETF 464287648 1,271 6,162 SH   SOLE   0 0 6,162
ISHARES TR RUS 2000 VAL ETF 464287630 224 1,645 SH   SOLE   0 0 1,645
ISHARES TR RUS MD CP GR ETF 464287481 603 7,615 SH   SOLE   0 0 7,615
ISHARES TR RUS MDCP VAL ETF 464287473 357 3,517 SH   SOLE   0 0 3,517
ISHARES TR RUSSELL 2000 ETF 464287655 785 4,633 SH   SOLE   0 0 4,633
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 669 13,352 SH   SOLE   0 0 13,352
JOHNSON & JOHNSON COM 478160104 2,762 15,557 SH   SOLE   0 0 15,557
JPMORGAN CHASE & CO COM 46625H100 503 4,464 SH   SOLE   0 0 4,464
LINCOLN ELEC HLDGS INC COM 533900106 247 2,000 SH   SOLE   0 0 2,000
MICROSOFT CORP COM 594918104 647 2,519 SH   SOLE   0 0 2,519
OPTINOSE INC COM 68404V100 91 24,800 SH   SOLE   0 0 24,800
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 12 11,875 SH   SOLE   0 0 11,875
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,957 77,120 SH   SOLE   0 0 77,120
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10,159 323,007 SH   SOLE   0 0 323,007
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 487 15,595 SH   SOLE   0 0 15,595
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,488 31,084 SH   SOLE   0 0 31,084
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,694 309,879 SH   SOLE   0 0 309,879
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,780 306,610 SH   SOLE   0 0 306,610
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 19,681 315,297 SH   SOLE   0 0 315,297
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,276 476,400 SH   SOLE   0 0 476,400
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,305 212,092 SH   SOLE   0 0 212,092
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,405 114,018 SH   SOLE   0 0 114,018
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 14,624 375,066 SH   SOLE   0 0 375,066
SCHWAB STRATEGIC TR US TIPS ETF 808524870 17,551 314,534 SH   SOLE   0 0 314,534
SPDR SER TR DJ REIT ETF 78464A607 275 2,894 SH   SOLE   0 0 2,894
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,871 57,948 SH   SOLE   0 0 57,948
VANGUARD INDEX FDS GROWTH ETF 922908736 4,275 19,180 SH   SOLE   0 0 19,180
VANGUARD INDEX FDS MID CAP ETF 922908629 8,617 43,745 SH   SOLE   0 0 43,745
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,873 28,464 SH   SOLE   0 0 28,464
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,114 68,785 SH   SOLE   0 0 68,785
VANGUARD INDEX FDS VALUE ETF 922908744 11,437 86,722 SH   SOLE   0 0 86,722
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,245 29,886 SH   SOLE   0 0 29,886
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 6,986 171,217 SH   SOLE   0 0 171,217
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 559 5,492 SH   SOLE   0 0 5,492
VANGUARD WORLD FD ESG INTL STK ETF 921910725 479 9,758 SH   SOLE   0 0 9,758
VANGUARD WORLD FD ESG US STK ETF 921910733 884 13,313 SH   SOLE   0 0 13,313
VANGUARD WORLD FDS INF TECH ETF 92204A702 371 1,137 SH   SOLE   0 0 1,137
WSFS FINL CORP COM 929328102 484 12,075 SH   SOLE   0 0 12,075