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
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 201,547 3,358 SH   SOLE   0 0 3,358
APPLE INC COM 037833100 BBG001S5N8V8 1,565,663 7,048 SH   SOLE   0 0 7,048
AT&T INC COM 00206R102 BBG001S5VWH2 262,176 9,271 SH   SOLE   0 0 9,271
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 225,481 738 SH   SOLE   0 0 738
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 357,455 8,566 SH   SOLE   0 0 8,566
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 614,113 3,545 SH   SOLE   0 0 3,545
ISHARES TR CORE 60/40 BALAN 464289867 BBG001T3YV58 210,394 3,655 SH   SOLE   0 0 3,655
ISHARES TR CORE 80/20 AGGRE 464289859 BBG001T3YVL0 606,422 7,927 SH   SOLE   0 0 7,927
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 306,239 5,317 SH   SOLE   0 0 5,317
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 493,482 6,038 SH   SOLE   0 0 6,038
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 2,095,006 10,365 SH   SOLE   0 0 10,365
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,363,986 12,936 SH   SOLE   0 0 12,936
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,770,221 5,771 SH   SOLE   0 0 5,771
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 4,236,391 11,732 SH   SOLE   0 0 11,732
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,731,791 9,204 SH   SOLE   0 0 9,204
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,673,245 6,548 SH   SOLE   0 0 6,548
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 258,772 1,714 SH   SOLE   0 0 1,714
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 831,299 7,075 SH   SOLE   0 0 7,075
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 413,750 3,285 SH   SOLE   0 0 3,285
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 827,719 4,149 SH   SOLE   0 0 4,149
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,312,212 11,812 SH   SOLE   0 0 11,812
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,518,891 15,189 SH   SOLE   0 0 15,189
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 298,112 1,215 SH   SOLE   0 0 1,215
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 270,479 3,010 SH   SOLE   0 0 3,010
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 330,074 573 SH   SOLE   0 0 573
MICROSOFT CORP COM 594918104 BBG001S5TD05 409,926 1,092 SH   SOLE   0 0 1,092
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 536,190 3,378 SH   SOLE   0 0 3,378
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,206,905 80,047 SH   SOLE   0 0 80,047
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 12,975,878 656,010 SH   SOLE   0 0 656,010
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 738,268 20,576 SH   SOLE   0 0 20,576
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 4,268,341 184,298 SH   SOLE   0 0 184,298
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 17,384,764 807,467 SH   SOLE   0 0 807,467
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 28,020,210 1,119,018 SH   SOLE   0 0 1,119,018
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 27,936,770 1,051,045 SH   SOLE   0 0 1,051,045
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 30,736,129 1,392,035 SH   SOLE   0 0 1,392,035
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 16,513,625 630,291 SH   SOLE   0 0 630,291
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 385,632 17,928 SH   SOLE   0 0 17,928
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 17,490,607 746,505 SH   SOLE   0 0 746,505
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 23,457,939 872,367 SH   SOLE   0 0 872,367
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 211,750 2,136 SH   SOLE   0 0 2,136
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,779,263 36,445 SH   SOLE   0 0 36,445
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 12,508,502 33,732 SH   SOLE   0 0 33,732
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 16,154,373 62,464 SH   SOLE   0 0 62,464
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 22,987,963 44,731 SH   SOLE   0 0 44,731
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 18,115,823 81,695 SH   SOLE   0 0 81,695
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 18,355,587 106,261 SH   SOLE   0 0 106,261
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 655,458 14,482 SH   SOLE   0 0 14,482
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 4,447,535 54,397 SH   SOLE   0 0 54,397
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 9,364,081 184,224 SH   SOLE   0 0 184,224
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 546,908 4,241 SH   SOLE   0 0 4,241
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,659,455 28,136 SH   SOLE   0 0 28,136
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,071,274 21,146 SH   SOLE   0 0 21,146
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 541,115 998 SH   SOLE   0 0 998
WSFS FINL CORP COM 929328102 BBG001S5XJX1 626,330 12,075 SH   SOLE   0 0 12,075