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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 1,146,817 6,955 SH   SOLE   0 0 6,955
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 230,838 8,071 SH   SOLE   0 0 8,071
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 511,831 3,539 SH   SOLE   0 0 3,539
IQVIA HLDGS INC COM 46266C105 BBG00333FZ54 1,321,226 6,643 SH   SOLE   0 0 6,643
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 351,697 5,531 SH   SOLE   0 0 5,531
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 4,428,673 87,870 SH   SOLE   0 0 87,870
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 211,231 4,222 SH   SOLE   0 0 4,222
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 245,731 2,848 SH   SOLE   0 0 2,848
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 417,346 5,835 SH   SOLE   0 0 5,835
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,614,458 11,611 SH   SOLE   0 0 11,611
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 708,525 6,576 SH   SOLE   0 0 6,576
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,503,478 6,675 SH   SOLE   0 0 6,675
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,540,059 14,489 SH   SOLE   0 0 14,489
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,752,511 11,510 SH   SOLE   0 0 11,510
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,463,190 6,451 SH   SOLE   0 0 6,451
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 226,553 1,653 SH   SOLE   0 0 1,653
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 696,146 7,646 SH   SOLE   0 0 7,646
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 339,408 3,196 SH   SOLE   0 0 3,196
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 800,650 4,488 SH   SOLE   0 0 4,488
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 367,318 7,300 SH   SOLE   0 0 7,300
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,089,231 13,479 SH   SOLE   0 0 13,479
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 588,413 4,515 SH   SOLE   0 0 4,515
MICROSOFT CORP COM 594918104 BBG001S5TD05 747,274 2,592 SH   SOLE   0 0 2,592
OPTINOSE INC COM 68404V100 BBG00HS39GY3 47,864 24,800 SH   SOLE   0 0 24,800
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 BBG00469JRM1 12,944 11,875 SH   SOLE   0 0 11,875
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,791,504 73,063 SH   SOLE   0 0 73,063
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 11,227,229 322,622 SH   SOLE   0 0 322,622
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 534,828 15,866 SH   SOLE   0 0 15,866
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,438,395 51,980 SH   SOLE   0 0 51,980
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 14,961,941 312,684 SH   SOLE   0 0 312,684
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 22,218,668 340,934 SH   SOLE   0 0 340,934
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 19,735,319 300,935 SH   SOLE   0 0 300,935
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 23,023,700 475,991 SH   SOLE   0 0 475,991
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 14,154,349 208,612 SH   SOLE   0 0 208,612
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 2,430,659 124,649 SH   SOLE   0 0 124,649
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 15,860,636 378,265 SH   SOLE   0 0 378,265
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 19,383,707 361,569 SH   SOLE   0 0 361,569
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 222,591 2,507 SH   SOLE   0 0 2,507
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,799,717 36,789 SH   SOLE   0 0 36,789
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 7,251,466 29,071 SH   SOLE   0 0 29,071
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 11,060,444 52,439 SH   SOLE   0 0 52,439
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 12,251,631 32,578 SH   SOLE   0 0 32,578
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 14,427,269 76,109 SH   SOLE   0 0 76,109
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 13,507,637 97,803 SH   SOLE   0 0 97,803
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,037,078 25,670 SH   SOLE   0 0 25,670
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 8,133,267 180,059 SH   SOLE   0 0 180,059
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 545,325 5,169 SH   SOLE   0 0 5,169
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 941,697 17,985 SH   SOLE   0 0 17,985
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 874,757 12,199 SH   SOLE   0 0 12,199
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 374,971 973 SH   SOLE   0 0 973
WSFS FINL CORP COM 929328102 BBG001S5XJX1 454,141 12,075 SH   SOLE   0 0 12,075