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
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES COM 002824100 251,306 2,770 SH SOLE 0 0 2,770
ABBVIE INC COM 00287Y109 439,486 1,746 SH SOLE 0 0 1,746
ADVANCED MICRO DEVICES INC COM 007903107 1,111,281 1,913 SH SOLE 0 0 1,913
ALPHABET INC CAP STK CL A 02079K305 1,314,720 3,679 SH SOLE 0 0 3,679
ALPHABET INC CAP STK CL C 02079K107 3,125,227 8,845 SH SOLE 0 0 8,845
ALTRIA GROUP INC COM 02209S103 243,100 3,379 SH SOLE 0 0 3,379
AMAZON COM INC COM 023135106 4,741,774 19,895 SH SOLE 0 0 19,895
AMERICAN EXPRESS CO COM 025816109 201,935 597 SH SOLE 0 0 597
AMGEN INC COM 031162100 255,039 704 SH SOLE 0 0 704
APPLE INC COM 037833100 12,080,565 41,749 SH SOLE 0 0 41,749
APPLIED MATLS INC COM 038222105 247,992 343 SH SOLE 0 0 343
AUTOMATIC DATA PROCESSING IN COM 053015103 219,336 979 SH SOLE 0 0 979
BANK OF AMER CORP COM 060505104 243,020 4,265 SH SOLE 0 0 4,265
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 869,177 1,737 SH SOLE 0 0 1,737
BLACKSTONE INC COM 09260D107 407,881 3,466 SH SOLE 0 0 3,466
BROADCOM INC COM 11135F101 1,179,852 3,123 SH SOLE 0 0 3,123
BURKE HERBERT FINL SVCS CORP COM 12135Y108 277,250 3,858 SH SOLE 0 0 3,858
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 27,646,022 1,240,288 SH SOLE 0 0 1,240,288
CHEVRON CORPORATION COM 166764100 721,430 4,352 SH SOLE 0 0 4,352
CHICAGO ATLANTIC BDC INC COM 828174102 100,416 10,278 SH SOLE 0 0 10,278
CISCO SYS INC COM 17275R102 341,778 2,910 SH SOLE 0 0 2,910
COCA COLA CO COM 191216100 240,059 2,954 SH SOLE 0 0 2,954
CORNING INC COM 219350105 476,888 1,867 SH SOLE 0 0 1,867
COSTCO WHOLESALE CORPORATION COM 22160K105 219,282 234 SH SOLE 0 0 234
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 24,589,451 300,091 SH SOLE 0 0 300,091
DIREXION SHARES ETF TRUST DLY TSLA BULL 2X 25460G286 304,297 21,490 SH SOLE 0 0 21,490
ELI LILLY & CO COM 532457108 573,814 478 SH SOLE 0 0 478
ESSENTIAL UTILS INC COM 29670G102 413,577 10,796 SH SOLE 0 0 10,796
EXXON MOBIL CORP COM 30231G102 843,262 6,168 SH SOLE 0 0 6,168
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 1,045,319 20,350 SH SOLE 0 0 20,350
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 4,945,964 52,661 SH SOLE 0 0 52,661
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 537,059 11,147 SH SOLE 0 0 11,147
GOLDMAN SACHS GROUP INC COM 38141G104 268,013 265 SH SOLE 0 0 265
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207 236,820 9,126 SH SOLE 0 0 9,126
GRAYSCALE ETHEREUM STAKING SHS NEW 38964R203 163,887 10,904 SH SOLE 0 0 10,904
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 5,256,984 134,295 SH SOLE 0 0 134,295
HOME DEPOT INC COM 437076102 322,325 914 SH SOLE 0 0 914
INTEL CORP COM 458140100 245,789 1,760 SH SOLE 0 0 1,760
INTERDIGITAL INC COM 45867G101 1,071,364 3,784 SH SOLE 0 0 3,784
INTERNATIONAL BUSINESS MACHS COM 459200101 399,713 1,421 SH SOLE 0 0 1,421
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 6,239,521 20,595 SH SOLE 0 0 20,595
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 655,306 27,862 SH SOLE 0 0 27,862
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 20,835,110 97,923 SH SOLE 0 0 97,923
INVESCO QQQ TR UNIT SER 1 46090E103 7,843,085 10,651 SH SOLE 0 0 10,651
ISHARES TR CORE HIGH DV ETF 46429B663 2,662,970 97,153 SH SOLE 0 0 97,153
ISHARES TR CORE S&P MCP ETF 464287507 489,796 6,352 SH SOLE 0 0 6,352
ISHARES TR CORE S&P SCP ETF 464287804 342,967 2,312 SH SOLE 0 0 2,312
ISHARES TR CORE S&P TTL STK 464287150 27,214,886 165,672 SH SOLE 0 0 165,672
ISHARES TR CORE S&P US GWT 464287671 284,392 1,512 SH SOLE 0 0 1,512
ISHARES TR CORE S&P500 ETF 464287200 65,241,866 87,118 SH SOLE 0 0 87,118
ISHARES TR CORE US AGGBD ET 464287226 744,432 7,521 SH SOLE 0 0 7,521
ISHARES TR ESG AWR MSCI USA 46435G425 210,643 1,287 SH SOLE 0 0 1,287
ISHARES TR GLOBAL TECH ETF 464287291 4,575,074 31,666 SH SOLE 0 0 31,666
ISHARES TR ISHS 1-5YR INVS 464288646 14,647,589 279,481 SH SOLE 0 0 279,481
ISHARES TR MBS ETF 464288588 13,998,196 148,098 SH SOLE 0 0 148,098
ISHARES TR MSCI USA MIN ETF 46429B697 1,853,571 19,216 SH SOLE 0 0 19,216
ISHARES TR MSCI USA MMENTM 46432F396 1,014,355 2,959 SH SOLE 0 0 2,959
ISHARES TR MSCI USA QLT FCT 46432F339 1,540,522 7,021 SH SOLE 0 0 7,021
ISHARES TR NATIONAL MUN ETF 464288414 2,048,428 19,034 SH SOLE 0 0 19,034
ISHARES TR RUS MID CAP ETF 464287499 388,170 3,519 SH SOLE 0 0 3,519
ISHARES TR RUSSELL 3000 ETF 464287689 1,454,450 3,411 SH SOLE 0 0 3,411
ISHARES TR S&P 500 GRWT ETF 464287309 2,601,120 18,913 SH SOLE 0 0 18,913
ISHARES TR S&P 500 VAL ETF 464287408 2,135,045 9,403 SH SOLE 0 0 9,403
ISHARES TR SHRT NAT MUN ETF 464288158 378,995 3,560 SH SOLE 0 0 3,560
ISHARES TR U.S. ENERGY ETF 464287796 293,083 5,179 SH SOLE 0 0 5,179
ISHARES TR U.S. MED DVC ETF 464288810 206,929 4,188 SH SOLE 0 0 4,188
ISHARES TR US TREAS BD ETF 46429B267 12,712,760 558,067 SH SOLE 0 0 558,067
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 15,677,684 277,579 SH SOLE 0 0 277,579
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 17,124,035 371,857 SH SOLE 0 0 371,857
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 2,102,294 41,502 SH SOLE 0 0 41,502
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 13,650,911 222,110 SH SOLE 0 0 222,110
JOHNSON & JOHNSON COM 478160104 1,790,980 7,052 SH SOLE 0 0 7,052
JPMORGAN CHASE & CO COM 46625H100 864,115 2,640 SH SOLE 0 0 2,640
LIGHTWAVE LOGIC INC COM 532275104 105,952 11,200 SH SOLE 0 0 11,200
LOCKHEED MARTIN CORP COM 539830109 229,516 451 SH SOLE 0 0 451
MARVELL TECHNOLOGY INC COM 573874104 375,044 1,259 SH SOLE 0 0 1,259
MCDONALDS CORP COM 580135101 485,708 1,797 SH SOLE 0 0 1,797
MERCK & CO INC COM 58933Y105 2,235,712 17,399 SH SOLE 0 0 17,399
META PLATFORMS INC CL A 30303M102 1,090,594 1,936 SH SOLE 0 0 1,936
MICRON TECHNOLOGY INC COM 595112103 738,746 640 SH SOLE 0 0 640
MICROSOFT CORP COM 594918104 1,792,505 4,805 SH SOLE 0 0 4,805
NETFLIX INC. COM 64110L106 416,405 5,832 SH SOLE 0 0 5,832
NEW YORK LIFE INVTS ACTIVE E MACKAY MUN INTER 45409F827 3,771,543 154,889 SH SOLE 0 0 154,889
NVIDIA CORPORATION COM 67066G104 2,960,889 14,798 SH SOLE 0 0 14,798
ORACLE CORP COM 68389X105 290,755 1,984 SH SOLE 0 0 1,984
PHILIP MORRIS INTL INC COM 718172109 690,374 3,816 SH SOLE 0 0 3,816
PPL CORP COM 69351T106 206,730 5,687 SH SOLE 0 0 5,687
PROCTER & GAMBLE CO COM 742718109 340,107 2,319 SH SOLE 0 0 2,319
PROGRESSIVE CORP COM 743315103 459,902 2,105 SH SOLE 0 0 2,105
PROSHARES TR S&P 500 HIGH ETF 74347G242 2,584,741 53,636 SH SOLE 0 0 53,636
PUBLIC SVC ENTERPRISE GROUP COM 744573106 227,816 2,807 SH SOLE 0 0 2,807
RTX CORPORATION COM 75513E101 382,763 2,017 SH SOLE 0 0 2,017
SCHWAB CHARLES CORP COM 808513105 275,057 2,981 SH SOLE 0 0 2,981
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 279,730 10,099 SH SOLE 0 0 10,099
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 875,602 27,613 SH SOLE 0 0 27,613
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,004,982 28,870 SH SOLE 0 0 28,870
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 844,446 28,693 SH SOLE 0 0 28,693
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 238,024 4,440 SH SOLE 0 0 4,440
SPDR GOLD TR GOLD SHS 78463V107 366,906 996 SH SOLE 0 0 996
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 407,171 16,005 SH SOLE 0 0 16,005
SPDR SERIES TRUST ST STR P500ETF 78464A854 579,790 6,598 SH SOLE 0 0 6,598
SPDR SERIES TRUST ST STR P500GRW 78464A409 285,338 2,398 SH SOLE 0 0 2,398
SPDR SERIES TRUST ST STR P500VAL 78464A508 223,469 3,676 SH SOLE 0 0 3,676
SPDR SERIES TRUST ST STR PR SP1500 78464A805 1,285,620 14,160 SH SOLE 0 0 14,160
SPDR SERIES TRUST ST STR SP DIV 78464A763 358,824 2,358 SH SOLE 0 0 2,358
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 488,164 934 SH SOLE 0 0 934
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,796,423 2,406 SH SOLE 0 0 2,406
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 877,296 1,837 SH SOLE 0 0 1,837
TESLA INC COM 88160R101 1,635,293 3,888 SH SOLE 0 0 3,888
UNION PAC CORP COM 907818108 235,493 866 SH SOLE 0 0 866
UNITEDHEALTH GROUP INC COM 91324P102 377,142 907 SH SOLE 0 0 907
UNIVERSAL DISPLAY CORP COM 91347P105 294,406 3,400 SH SOLE 0 0 3,400
UNIVEST FINANCIAL CORPORATIO COM 915271100 1,061,870 24,271 SH SOLE 0 0 24,271
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 291,384 3,527 SH SOLE 0 0 3,527
VANGUARD BD INDEX FDS INTERMED TERM 921937819 14,174,482 184,804 SH SOLE 0 0 184,804
VANGUARD INDEX FDS GROWTH ETF 922908736 772,495 8,968 SH SOLE 0 0 8,968
VANGUARD INDEX FDS LARGE CAP ETF 922908637 742,846 2,160 SH SOLE 0 0 2,160
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 833,136 2,720 SH SOLE 0 0 2,720
VANGUARD INDEX FDS MID CAP ETF 922908629 5,890,158 73,106 SH SOLE 0 0 73,106
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,626,459 2,368 SH SOLE 0 0 2,368
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,199,514 20,452 SH SOLE 0 0 20,452
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,829,831 4,945 SH SOLE 0 0 4,945
VANGUARD INDEX FDS VALUE ETF 922908744 2,314,852 10,622 SH SOLE 0 0 10,622
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 12,569,766 80,088 SH SOLE 0 0 80,088
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 1,109,024 14,296 SH SOLE 0 0 14,296
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 855,832 11,202 SH SOLE 0 0 11,202
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,432,444 28,320 SH SOLE 0 0 28,320
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 27,124,018 212,221 SH SOLE 0 0 212,221
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 36,333,185 341,766 SH SOLE 0 0 341,766
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 362,691 1,533 SH SOLE 0 0 1,533
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 315,103 4,423 SH SOLE 0 0 4,423
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 18,734,454 118,550 SH SOLE 0 0 118,550
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 261,763 660 SH SOLE 0 0 660
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 30,628,811 187,389 SH SOLE 0 0 187,389
VANGUARD WORLD FD MEGA GRWTH IND 921910816 43,116,335 490,460 SH SOLE 0 0 490,460
VISA INC COM CL A 92826C839 405,543 1,182 SH SOLE 0 0 1,182
WALMART INC COM 931142103 843,948 7,451 SH SOLE 0 0 7,451
WELLS FARGO & CO COM 949746101 388,868 4,706 SH SOLE 0 0 4,706
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 1,050,097 20,856 SH SOLE 0 0 20,856