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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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 1,407,544 7,311 SH   SOLE   0 0 7,311
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 278,068 8,259 SH   SOLE   0 0 8,259
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 548,214 3,474 SH   SOLE   0 0 3,474
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 473,721 6,861 SH   SOLE   0 0 6,861
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 5,427,361 99,970 SH   SOLE   0 0 99,970
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 219,042 4,118 SH   SOLE   0 0 4,118
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 222,572 2,499 SH   SOLE   0 0 2,499
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 446,990 5,932 SH   SOLE   0 0 5,932
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,393,164 8,880 SH   SOLE   0 0 8,880
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 932,073 8,598 SH   SOLE   0 0 8,598
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,680,472 6,408 SH   SOLE   0 0 6,408
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,911,175 12,901 SH   SOLE   0 0 12,901
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,697,288 10,271 SH   SOLE   0 0 10,271
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,785,524 7,079 SH   SOLE   0 0 7,079
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 261,015 1,680 SH   SOLE   0 0 1,680
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 801,504 7,673 SH   SOLE   0 0 7,673
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 376,050 3,234 SH   SOLE   0 0 3,234
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 903,076 4,499 SH   SOLE   0 0 4,499
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 701,802 6,529 SH   SOLE   0 0 6,529
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,819,675 11,610 SH   SOLE   0 0 11,610
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 377,883 2,222 SH   SOLE   0 0 2,222
MERCK & CO INC COM 58933Y105 BBG001S5TC52 214,197 1,965 SH   SOLE   0 0 1,965
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 202,111 571 SH   SOLE   0 0 571
MICROSOFT CORP COM 594918104 BBG001S5TD05 664,494 1,767 SH   SOLE   0 0 1,767
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 BBG00469JRM1 4,679 11,875 SH   SOLE   0 0 11,875
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 317,802 3,378 SH   SOLE   0 0 3,378
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,957,309 78,956 SH   SOLE   0 0 78,956
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 12,029,018 325,460 SH   SOLE   0 0 325,460
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 570,995 16,366 SH   SOLE   0 0 16,366
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,920,049 84,085 SH   SOLE   0 0 84,085
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 16,901,338 303,599 SH   SOLE   0 0 303,599
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 26,498,688 319,415 SH   SOLE   0 0 319,415
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 20,893,033 298,046 SH   SOLE   0 0 298,046
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 25,219,533 447,155 SH   SOLE   0 0 447,155
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 15,648,554 207,761 SH   SOLE   0 0 207,761
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 2,977,880 143,789 SH   SOLE   0 0 143,789
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 18,294,652 387,270 SH   SOLE   0 0 387,270
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 19,515,817 373,866 SH   SOLE   0 0 373,866
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 239,952 2,517 SH   SOLE   0 0 2,517
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 2,128,337 43,114 SH   SOLE   0 0 43,114
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 9,989,834 32,134 SH   SOLE   0 0 32,134
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 13,422,146 57,695 SH   SOLE   0 0 57,695
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 14,739,623 33,745 SH   SOLE   0 0 33,745
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 17,351,034 81,334 SH   SOLE   0 0 81,334
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 15,909,659 106,419 SH   SOLE   0 0 106,419
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 653,600 15,903 SH   SOLE   0 0 15,903
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 576,597 7,094 SH   SOLE   0 0 7,094
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 9,056,690 189,075 SH   SOLE   0 0 189,075
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 558,908 5,007 SH   SOLE   0 0 5,007
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,387,451 25,099 SH   SOLE   0 0 25,099
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 1,514,982 17,811 SH   SOLE   0 0 17,811
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 473,335 978 SH   SOLE   0 0 978
WSFS FINL CORP COM 929328102 BBG001S5XJX1 554,605 12,075 SH   SOLE   0 0 12,075