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 1,239,705 7,229 SH   SOLE   0 0 7,229
AT&T INC COM 00206R102 BBG001S5VWH2 202,238 11,491 SH   SOLE   0 0 11,491
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 315,303 8,315 SH   SOLE   0 0 8,315
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 210,982 5,774 SH   SOLE   0 0 5,774
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 590,806 3,488 SH   SOLE   0 0 3,488
IQVIA HLDGS INC COM 46266C105 BBG00333FZ54 231,141 914 SH   SOLE   0 0 914
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 524,692 7,143 SH   SOLE   0 0 7,143
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 5,557,064 103,291 SH   SOLE   0 0 103,291
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 473,744 5,932 SH   SOLE   0 0 5,932
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,586,138 8,466 SH   SOLE   0 0 8,466
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 874,213 8,125 SH   SOLE   0 0 8,125
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,664,641 5,779 SH   SOLE   0 0 5,779
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 4,140,244 12,284 SH   SOLE   0 0 12,284
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,824,574 10,187 SH   SOLE   0 0 10,187
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,918,807 7,086 SH   SOLE   0 0 7,086
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 267,817 1,686 SH   SOLE   0 0 1,686
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 876,528 7,679 SH   SOLE   0 0 7,679
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 406,313 3,242 SH   SOLE   0 0 3,242
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 910,385 4,329 SH   SOLE   0 0 4,329
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 744,351 6,930 SH   SOLE   0 0 6,930
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,700,738 17,073 SH   SOLE   0 0 17,073
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 447,687 2,235 SH   SOLE   0 0 2,235
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 201,317 2,310 SH   SOLE   0 0 2,310
MERCK & CO INC COM 58933Y105 BBG001S5TC52 259,286 1,965 SH   SOLE   0 0 1,965
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 277,444 571 SH   SOLE   0 0 571
MICROSOFT CORP COM 594918104 BBG001S5TD05 838,074 1,992 SH   SOLE   0 0 1,992
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 309,492 3,378 SH   SOLE   0 0 3,378
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 265,928 1,639 SH   SOLE   0 0 1,639
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,987,785 78,724 SH   SOLE   0 0 78,724
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 12,814,570 328,410 SH   SOLE   0 0 328,410
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 589,780 16,474 SH   SOLE   0 0 16,474
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 4,011,510 87,207 SH   SOLE   0 0 87,207
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 18,366,270 300,840 SH   SOLE   0 0 300,840
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 28,362,714 305,896 SH   SOLE   0 0 305,896
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 23,353,150 307,359 SH   SOLE   0 0 307,359
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 27,870,689 449,093 SH   SOLE   0 0 449,093
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 16,946,785 208,115 SH   SOLE   0 0 208,115
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 3,279,446 161,549 SH   SOLE   0 0 161,549
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 19,365,266 393,283 SH   SOLE   0 0 393,283
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 20,703,409 396,921 SH   SOLE   0 0 396,921
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 237,431 2,519 SH   SOLE   0 0 2,519
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,696,222 34,483 SH   SOLE   0 0 34,483
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 10,854,134 31,534 SH   SOLE   0 0 31,534
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 14,585,608 58,375 SH   SOLE   0 0 58,375
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 15,929,927 33,139 SH   SOLE   0 0 33,139
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 18,739,441 81,978 SH   SOLE   0 0 81,978
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 17,549,838 107,760 SH   SOLE   0 0 107,760
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 647,094 15,492 SH   SOLE   0 0 15,492
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,334,113 16,571 SH   SOLE   0 0 16,571
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 9,482,892 189,015 SH   SOLE   0 0 189,015
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 568,731 4,701 SH   SOLE   0 0 4,701
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,511,875 26,307 SH   SOLE   0 0 26,307
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 1,632,234 17,515 SH   SOLE   0 0 17,515
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 514,014 980 SH   SOLE   0 0 980
WSFS FINL CORP COM 929328102 BBG001S5XJX1 545,066 12,075 SH   SOLE   0 0 12,075