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 1,425,401 6,947 SH   SOLE   0 0 6,947
AT&T INC COM 00206R102 BBG001S5VWH2 268,936 9,293 SH   SOLE   0 0 9,293
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 227,599 738 SH   SOLE   0 0 738
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 407,473 8,611 SH   SOLE   0 0 8,611
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 646,848 3,559 SH   SOLE   0 0 3,559
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 BBG01KYQ6QS5 228,313 3,730 SH   SOLE   0 0 3,730
ISHARES TR CORE 60/40 BALAN 464289867 BBG001T3YV58 226,973 3,686 SH   SOLE   0 0 3,686
ISHARES TR CORE 80/20 AGGRE 464289859 BBG001T3YVL0 656,959 7,877 SH   SOLE   0 0 7,877
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 545,029 6,097 SH   SOLE   0 0 6,097
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 2,454,688 10,214 SH   SOLE   0 0 10,214
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,348,817 12,910 SH   SOLE   0 0 12,910
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,963,429 5,782 SH   SOLE   0 0 5,782
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 4,983,386 11,737 SH   SOLE   0 0 11,737
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,791,998 9,226 SH   SOLE   0 0 9,226
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,750,522 6,124 SH   SOLE   0 0 6,124
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 224,661 1,424 SH   SOLE   0 0 1,424
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 982,022 7,081 SH   SOLE   0 0 7,081
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 435,383 3,295 SH   SOLE   0 0 3,295
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 890,362 4,126 SH   SOLE   0 0 4,126
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,347,026 12,241 SH   SOLE   0 0 12,241
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,320,531 15,192 SH   SOLE   0 0 15,192
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 352,327 1,215 SH   SOLE   0 0 1,215
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 262,382 3,010 SH   SOLE   0 0 3,010
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 422,895 573 SH   SOLE   0 0 573
MICROSOFT CORP COM 594918104 BBG001S5TD05 543,172 1,092 SH   SOLE   0 0 1,092
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 615,235 3,378 SH   SOLE   0 0 3,378
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,401,543 79,680 SH   SOLE   0 0 79,680
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 14,075,193 636,887 SH   SOLE   0 0 636,887
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 866,221 20,339 SH   SOLE   0 0 20,339
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 4,429,020 190,577 SH   SOLE   0 0 190,577
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 17,611,619 739,052 SH   SOLE   0 0 739,052
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 32,040,602 1,096,905 SH   SOLE   0 0 1,096,905
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 29,073,355 1,050,718 SH   SOLE   0 0 1,050,718
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 30,621,344 1,252,919 SH   SOLE   0 0 1,252,919
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 17,499,741 623,877 SH   SOLE   0 0 623,877
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 18,444,174 729,019 SH   SOLE   0 0 729,019
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 23,687,916 887,853 SH   SOLE   0 0 887,853
SPDR SERIES TRUST DJ REIT ETF 78464A607 BBG001SHTRF2 206,024 2,136 SH   SOLE   0 0 2,136
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,818,307 36,726 SH   SOLE   0 0 36,726
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 14,326,951 32,680 SH   SOLE   0 0 32,680
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 16,755,763 59,878 SH   SOLE   0 0 59,878
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 23,509,085 41,387 SH   SOLE   0 0 41,387
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 19,193,117 80,990 SH   SOLE   0 0 80,990
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 18,060,094 102,185 SH   SOLE   0 0 102,185
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 672,245 13,592 SH   SOLE   0 0 13,592
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 5,121,960 61,770 SH   SOLE   0 0 61,770
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 10,145,620 177,962 SH   SOLE   0 0 177,962
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 569,065 4,269 SH   SOLE   0 0 4,269
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,867,994 28,519 SH   SOLE   0 0 28,519
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,403,981 21,926 SH   SOLE   0 0 21,926
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 662,429 999 SH   SOLE   0 0 999
WSFS FINL CORP COM 929328102 BBG001S5XJX1 664,125 12,075 SH   SOLE   0 0 12,075