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 1,349,722 6,958 SH   SOLE   0 0 6,958
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 233,255 8,130 SH   SOLE   0 0 8,130
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 531,940 3,555 SH   SOLE   0 0 3,555
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 421,026 6,346 SH   SOLE   0 0 6,346
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 4,727,695 91,961 SH   SOLE   0 0 91,961
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 215,868 4,196 SH   SOLE   0 0 4,196
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 248,303 2,869 SH   SOLE   0 0 2,869
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 427,198 5,892 SH   SOLE   0 0 5,892
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,560,228 10,816 SH   SOLE   0 0 10,816
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 815,582 7,642 SH   SOLE   0 0 7,642
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,628,586 6,682 SH   SOLE   0 0 6,682
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,925,270 14,264 SH   SOLE   0 0 14,264
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,820,251 11,533 SH   SOLE   0 0 11,533
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,566,997 6,458 SH   SOLE   0 0 6,458
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 233,590 1,659 SH   SOLE   0 0 1,659
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 739,307 7,651 SH   SOLE   0 0 7,651
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 352,069 3,205 SH   SOLE   0 0 3,205
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 840,978 4,491 SH   SOLE   0 0 4,491
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,267,302 13,698 SH   SOLE   0 0 13,698
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 318,664 2,191 SH   SOLE   0 0 2,191
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 203,511 2,310 SH   SOLE   0 0 2,310
MICROSOFT CORP COM 594918104 BBG001S5TD05 882,680 2,592 SH   SOLE   0 0 2,592
OPTINOSE INC COM 68404V100 BBG00HS39GY3 30,504 24,800 SH   SOLE   0 0 24,800
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 BBG00469JRM1 20,663 11,875 SH   SOLE   0 0 11,875
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,706,277 69,276 SH   SOLE   0 0 69,276
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 11,494,422 322,424 SH   SOLE   0 0 322,424
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 538,449 15,945 SH   SOLE   0 0 15,945
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,619,733 56,753 SH   SOLE   0 0 56,753
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 16,077,815 310,983 SH   SOLE   0 0 310,983
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 25,576,148 341,243 SH   SOLE   0 0 341,243
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 20,590,051 306,902 SH   SOLE   0 0 306,902
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 24,868,271 474,857 SH   SOLE   0 0 474,857
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 14,863,235 209,253 SH   SOLE   0 0 209,253
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 2,474,884 126,722 SH   SOLE   0 0 126,722
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 16,442,365 375,396 SH   SOLE   0 0 375,396
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 19,260,454 367,356 SH   SOLE   0 0 367,356
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 227,032 2,510 SH   SOLE   0 0 2,510
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,866,544 38,186 SH   SOLE   0 0 38,186
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 9,066,965 32,043 SH   SOLE   0 0 32,043
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 11,948,658 54,273 SH   SOLE   0 0 54,273
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 13,859,812 34,030 SH   SOLE   0 0 34,030
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 15,493,060 77,898 SH   SOLE   0 0 77,898
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 14,101,625 99,237 SH   SOLE   0 0 99,237
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,048,269 25,769 SH   SOLE   0 0 25,769
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 8,251,812 178,688 SH   SOLE   0 0 178,688
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 521,977 4,921 SH   SOLE   0 0 4,921
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 887,163 16,704 SH   SOLE   0 0 16,704
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 869,363 11,096 SH   SOLE   0 0 11,096
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 430,117 973 SH   SOLE   0 0 973
WSFS FINL CORP COM 929328102 BBG001S5XJX1 455,469 12,075 SH   SOLE   0 0 12,075