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
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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 1,192,007 6,962 SH   SOLE   0 0 6,962
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 224,216 8,189 SH   SOLE   0 0 8,189
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 505,935 3,571 SH   SOLE   0 0 3,571
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 404,209 6,367 SH   SOLE   0 0 6,367
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 4,744,512 100,562 SH   SOLE   0 0 100,562
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 201,593 4,080 SH   SOLE   0 0 4,080
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 238,483 2,890 SH   SOLE   0 0 2,890
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 406,103 5,892 SH   SOLE   0 0 5,892
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,265,951 9,062 SH   SOLE   0 0 9,062
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 759,887 7,411 SH   SOLE   0 0 7,411
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,499,584 6,384 SH   SOLE   0 0 6,384
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,486,430 13,107 SH   SOLE   0 0 13,107
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,549,321 10,205 SH   SOLE   0 0 10,205
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,447,467 6,458 SH   SOLE   0 0 6,458
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 224,880 1,659 SH   SOLE   0 0 1,659
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 698,910 7,651 SH   SOLE   0 0 7,651
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 334,440 3,205 SH   SOLE   0 0 3,205
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 793,691 4,491 SH   SOLE   0 0 4,491
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,900,018 12,199 SH   SOLE   0 0 12,199
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 319,770 2,205 SH   SOLE   0 0 2,205
MICROSOFT CORP COM 594918104 BBG001S5TD05 510,884 1,618 SH   SOLE   0 0 1,618
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 BBG00469JRM1 2,624 11,875 SH   SOLE   0 0 11,875
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,651,485 68,984 SH   SOLE   0 0 68,984
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 11,005,695 324,078 SH   SOLE   0 0 324,078
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 514,214 15,945 SH   SOLE   0 0 15,945
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,716,661 61,421 SH   SOLE   0 0 61,421
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 15,414,011 309,208 SH   SOLE   0 0 309,208
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 23,547,688 323,813 SH   SOLE   0 0 323,813
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 19,224,625 298,241 SH   SOLE   0 0 298,241
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 22,865,156 451,881 SH   SOLE   0 0 451,881
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 13,968,735 206,394 SH   SOLE   0 0 206,394
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 2,302,959 129,744 SH   SOLE   0 0 129,744
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 15,427,952 372,476 SH   SOLE   0 0 372,476
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 19,050,968 377,322 SH   SOLE   0 0 377,322
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 208,450 2,513 SH   SOLE   0 0 2,513
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,851,254 38,705 SH   SOLE   0 0 38,705
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 8,258,835 30,329 SH   SOLE   0 0 30,329
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 11,429,723 54,887 SH   SOLE   0 0 54,887
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 12,881,322 32,802 SH   SOLE   0 0 32,802
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 14,851,867 78,552 SH   SOLE   0 0 78,552
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 13,758,702 99,751 SH   SOLE   0 0 99,751
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 811,129 20,687 SH   SOLE   0 0 20,687
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 7,911,240 180,952 SH   SOLE   0 0 180,952
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 544,578 5,271 SH   SOLE   0 0 5,271
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 858,822 17,027 SH   SOLE   0 0 17,027
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 847,381 11,265 SH   SOLE   0 0 11,265
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 404,230 974 SH   SOLE   0 0 974
WSFS FINL CORP COM 929328102 BBG001S5XJX1 440,738 12,075 SH   SOLE   0 0 12,075