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 1,764,636 7,047 SH   SOLE   0 0 7,047
AT&T INC COM 00206R102 BBG001S5VWH2 209,726 9,211 SH   SOLE   0 0 9,211
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 216,035 738 SH   SOLE   0 0 738
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 374,212 8,515 SH   SOLE   0 0 8,515
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 618,239 3,528 SH   SOLE   0 0 3,528
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 650,341 8,489 SH   SOLE   0 0 8,489
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 6,157,160 107,436 SH   SOLE   0 0 107,436
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 212,522 3,708 SH   SOLE   0 0 3,708
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 456,530 6,038 SH   SOLE   0 0 6,038
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 2,209,236 10,677 SH   SOLE   0 0 10,677
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,307,790 12,274 SH   SOLE   0 0 12,274
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 1,855,503 5,760 SH   SOLE   0 0 5,760
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 4,753,376 11,837 SH   SOLE   0 0 11,837
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 1,758,619 9,499 SH   SOLE   0 0 9,499
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 1,960,149 6,810 SH   SOLE   0 0 6,810
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 281,006 1,712 SH   SOLE   0 0 1,712
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 896,211 7,071 SH   SOLE   0 0 7,071
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 423,563 3,275 SH   SOLE   0 0 3,275
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 916,273 4,147 SH   SOLE   0 0 4,147
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,110,693 10,424 SH   SOLE   0 0 10,424
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,283,116 15,787 SH   SOLE   0 0 15,787
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 291,319 1,215 SH   SOLE   0 0 1,215
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 335,128 572 SH   SOLE   0 0 572
MICROSOFT CORP COM 594918104 BBG001S5TD05 565,653 1,342 SH   SOLE   0 0 1,342
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 406,542 3,378 SH   SOLE   0 0 3,378
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,217,859 83,284 SH   SOLE   0 0 83,284
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 12,449,964 672,971 SH   SOLE   0 0 672,971
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 731,704 21,314 SH   SOLE   0 0 21,314
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 4,442,260 195,694 SH   SOLE   0 0 195,694
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 18,471,745 813,733 SH   SOLE   0 0 813,733
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 32,251,673 1,157,218 SH   SOLE   0 0 1,157,218
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 26,140,297 1,002,696 SH   SOLE   0 0 1,002,696
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 29,299,020 1,263,978 SH   SOLE   0 0 1,263,978
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 17,785,220 641,834 SH   SOLE   0 0 641,834
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 3,135,695 148,893 SH   SOLE   0 0 148,893
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 20,052,594 775,429 SH   SOLE   0 0 775,429
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 21,925,821 848,851 SH   SOLE   0 0 848,851
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 250,051 2,529 SH   SOLE   0 0 2,529
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,769,316 36,072 SH   SOLE   0 0 36,072
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 13,547,699 33,008 SH   SOLE   0 0 33,008
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 16,216,121 61,394 SH   SOLE   0 0 61,394
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 18,891,022 35,061 SH   SOLE   0 0 35,061
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 19,832,685 82,540 SH   SOLE   0 0 82,540
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 17,846,918 105,416 SH   SOLE   0 0 105,416
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 670,275 15,220 SH   SOLE   0 0 15,220
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,821,332 35,148 SH   SOLE   0 0 35,148
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 9,023,826 188,704 SH   SOLE   0 0 188,704
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 555,307 4,352 SH   SOLE   0 0 4,352
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,593,204 28,099 SH   SOLE   0 0 28,099
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,074,100 19,774 SH   SOLE   0 0 19,774
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 619,552 996 SH   SOLE   0 0 996
WSFS FINL CORP COM 929328102 BBG001S5XJX1 641,545 12,075 SH   SOLE   0 0 12,075