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 CMN COM 002824100 1,626,696 17,927 SH SOLE 17,927 0 0
ABBVIE INC COM 00287y109 4,608,283 18,313 SH SOLE 18,313 0 0
ALPHABET INC CLASS C COM 02079k107 4,778,435 13,524 SH SOLE 13,524 0 0
ALPHABET INC. CMN CLASS A COM 02079k305 408,117 1,142 SH SOLE 1,142 0 0
AMAZON COM INC COM 023135106 657,818 2,760 SH SOLE 2,760 0 0
APPLE INC COM 037833100 2,602,504 8,994 SH SOLE 8,994 0 0
ASML HOLDING NV COM N07059202 1,741,748 885 SH SOLE 885 0 0
ASTRAZENECA PLC (GBP) COM G0593M107 921,231 4,858 SH SOLE 4,858 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 1,348,551 2,695 SH SOLE 2,695 0 0
BLACKROCK FUNDING, INC. CMN COM 09290d101 344,238 358 SH SOLE 358 0 0
CATERPILLAR INC (DELAWARE) CMN COM 149123101 862,569 810 SH SOLE 810 0 0
CENCORA INC CMN COM 03073e105 499,743 1,766 SH SOLE 1,766 0 0
COCA-COLA COMPANY (THE) CMN COM 191216100 337,270 4,150 SH SOLE 4,150 0 0
CONCENTRA GROUP HOLDINGS PAREN COM 20603l102 610,529 20,522 SH SOLE 20,522 0 0
CONOCOPHILLIPS CMN COM 20825c104 322,900 3,106 SH SOLE 3,106 0 0
CRONOS GROUP INC COM COM 22717L101 41,700 15,000 SH SOLE 15,000 0 0
CUMMINS INC COM 231021106 1,005,626 1,410 SH SOLE 1,410 0 0
CUSTOMERS BANCORP, INC. CMN COM 23204g100 431,253 5,452 SH SOLE 5,452 0 0
DANAHER CORPORATION CMN COM 235851102 445,533 2,339 SH SOLE 2,339 0 0
DEUTSCHE BANK AG CMN COM d18190898 427,570 12,665 SH SOLE 12,665 0 0
EXXON MOBIL CORPORATION CMN COM 30231g102 207,404 1,517 SH SOLE 1,517 0 0
FRANKLIN FINL SVCS CP COM COM 353525108 1,683,940 26,900 SH SOLE 26,900 0 0
HAIN CELESTIAL GROUP, INC. (TH COM 405217100 71,613 127,834 SH SOLE 127,834 0 0
HEICO CORP CLASS A COM 422806208 952,204 3,692 SH SOLE 3,692 0 0
JOHNSON & JOHNSON CMN COM 478160104 1,030,356 4,057 SH SOLE 4,057 0 0
JPMORGAN CHASE & CO CMN COM 46625h100 262,518 802 SH SOLE 802 0 0
KEYENCE CORPORATION CMN NON - COM j32491102 374,564 751 SH SOLE 751 0 0
L3HARRIS TECHNOLOGIES IN COM 502431109 674,459 2,321 SH SOLE 2,321 0 0
LOREAL S.A. ORD COM F58149133 295,635 674 SH SOLE 674 0 0
M&T BANK CORPORATION CMN COM 55261f104 321,313 1,350 SH SOLE 1,350 0 0
MANULIFE FINANCIAL CORP CMN COM 56501r106 1,743,874 43,048 SH SOLE 43,048 0 0
MICRON TECHNOLOGY INC COM 595112103 1,379,377 1,195 SH SOLE 1,195 0 0
MICROSOFT CORP COM 594918104 972,464 2,607 SH SOLE 2,607 0 0
MUNICH RE GROUP ORD REG SHS COM D55535104 363,585 651 SH SOLE 651 0 0
NATWEST GROUP PLC SHS COM G6422B147 107,136 12,102 SH SOLE 12,102 0 0
NESTLE SA REG COM H57312649 267,784 2,600 SH SOLE 2,600 0 0
NVIDIA CORP COM 67066g104 3,170,226 15,844 SH SOLE 15,844 0 0
PALANTIR TECHNOLOGIES INC. CMN COM 69608a108 1,682,148 14,418 SH SOLE 14,418 0 0
PALO ALTO NETWORKS INC. CMN COM 697435105 554,840 1,627 SH SOLE 1,627 0 0
PNC FINANCIAL SERVICES GROUP, COM 693475105 915,446 3,718 SH SOLE 3,718 0 0
PRINCIPAL FINL COM 74251v102 277,749 2,577 SH SOLE 2,577 0 0
RTX CORP CMN COM 75513e101 293,323 1,546 SH SOLE 1,546 0 0
RYANAIR HLDGS PLC SPONSORED AD COM 783513203 224,941 3,474 SH SOLE 3,474 0 0
SAP AG COM D66992104 405,526 2,647 SH SOLE 2,647 0 0
SELECT MEDICAL HOLDINGS CORP C COM 81619q105 411,330 24,914 SH SOLE 24,914 0 0
SHERWIN WILLIAMS CO COM 824348106 385,294 1,119 SH SOLE 1,119 0 0
SPACE EXPLORATION TECHN CORP C COM 84615Q103 527,274 3,086 SH SOLE 3,086 0 0
STANDARD CHARTERED PLC ORD COM G84228157 453,662 16,747 SH SOLE 16,747 0 0
TAIWAN SEMICONDUCTOR MFG ADS L COM 874039100 2,641,917 5,532 SH SOLE 5,532 0 0
TC ENERGY CORPORATION COM NPV COM 87807B107 288,428 4,351 SH SOLE 4,351 0 0
TESLA, INC. CMN COM 88160r101 5,541,826 13,176 SH SOLE 13,176 0 0
THE TRAVELERS COMPANIES, INC C COM 89417e109 348,606 1,056 SH SOLE 1,056 0 0
TJX COMPANIES INC (NEW) CMN COM 872540109 1,079,134 7,123 SH SOLE 7,123 0 0
TOTAL SA EUR SHS COM F92124100 663,218 8,527 SH SOLE 8,527 0 0
UTZ BRANDS INC F CLASS A COM 918090101 706,551 91,760 SH SOLE 91,760 0 0
VANGUARD INSTL INDEX FD TTL ST COM 922040308 1,670,979 13,456 SH SOLE 13,456 0 0
DIMENSIONAL EMERG CORE EQY MRK ETF 25434v302 6,702,042 166,676 SH SOLE 166,676 0 0
DIMENSIONAL ETF TRUST EMERGING ETF 25434v732 64,023,565 1,575,383 SH SOLE 1,575,383 0 0
DIMENSIONAL ETF TRUST INTERNAT ETF 25434v799 118,637,777 3,184,052 SH SOLE 3,184,052 0 0
DIMENSIONAL ETF TRUST US CORE ETF 25434v625 30,527,630 372,379 SH SOLE 372,379 0 0
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434v500 75,706,936 919,443 SH SOLE 919,443 0 0
DIMENSIONAL US CORE EQUITY MAR ETF 25434V104 229,680,431 4,443,421 SH SOLE 4,443,421 0 0
EA SERIES TRUST ALPHA ARCHITEC ETF 02072Q853 10,628,422 177,900 SH SOLE 177,900 0 0
Eagle Capital Select Equity ET ETF 88339Y102 29,885,898 928,999 SH SOLE 928,999 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369y506 817,044 15,384 SH SOLE 15,384 0 0
FLEXSHARES GLOBAL UPSTREAM N ETF 33939L407 3,016,774 61,217 SH SOLE 61,217 0 0
FLEXSHARES MORNINGSTAR EMERGIN ETF 33939L308 5,765,894 74,504 SH SOLE 74,504 0 0
FLEXSHARES QUALITY DIVIDEND ETF 33939L860 2,667,387 29,664 SH SOLE 29,664 0 0
GLOBAL X FDS GLB X MLP ENRG I ETF 37954Y293 6,280,841 85,268 SH SOLE 85,268 0 0
GLOBAL X FDS MSCI NORWAY ETF ETF 37950E101 559,733 17,530 SH SOLE 17,530 0 0
INNOVATOR S&P 500 ULTRA BUFFER ETF 45782C649 777,707 18,817 SH SOLE 18,817 0 0
INVESCO QQQ TRUST ETF, SERIES ETF 46090e103 3,027,340 4,111 SH SOLE 4,111 0 0
INVESCO S & P 500 EQUAL WEIGHT E ETF 46137V357 8,601,227 40,425 SH SOLE 40,425 0 0
ISHARES AI INNOVATION AND TECH ETF 09290C780 3,173,902 60,203 SH SOLE 60,203 0 0
ISHARES BITCOIN TR SHS ETF 46438F101 3,215,448 96,589 SH SOLE 96,589 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 801,035 8,294 SH SOLE 8,294 0 0
ISHARES CORE MSCI EMERGING MAR ETF 46434G103 528,933 6,385 SH SOLE 6,385 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 25,225,611 33,684 SH SOLE 33,684 0 0
ISHARES CORE S & P SMALL CAP ETF ETF 464287804 14,754,175 99,482 SH SOLE 99,482 0 0
ISHARES GOLD ETF ETF 464285204 1,698,673 22,496 SH SOLE 22,496 0 0
ISHARES MSCI ACWI ETF ETF 464288257 270,940,737 1,726,067 SH SOLE 1,726,067 0 0
ISHARES MSCI ACWI EX US ETF 464288240 104,925,779 1,378,607 SH SOLE 1,378,607 0 0
ISHARES MSCI EAFE ETF ETF 464287465 608,009 5,853 SH SOLE 5,853 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 286,364 4,186 SH SOLE 4,186 0 0
ISHARES RUSSELL 1000 INDEX ETF 464287622 5,843,565 14,270 SH SOLE 14,270 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 15,047,137 50,082 SH SOLE 50,082 0 0
ISHARES S&P 100 ETF ETF 464287101 639,541 1,748 SH SOLE 1,748 0 0
ISHARES S&P MIDCAP 400 VALUE E ETF 464287705 2,374,317 16,072 SH SOLE 16,072 0 0
ISHARES TR DJ SEL DIV INX ETF 464287168 1,013,605 6,485 SH SOLE 6,485 0 0
ISHARES TR GLB INFRASTR ETF ETF 464288372 3,932,663 59,049 SH SOLE 59,049 0 0
ISHARES TR GLOBAL TECH ETF ETF 464287291 1,200,773 8,311 SH SOLE 8,311 0 0
ISHARES TR S & P MIDCAP 400 ETF 464287507 2,424,338 31,440 SH SOLE 31,440 0 0
ISHARES TR S & P500 GRW ETF 464287309 1,787,890 13,000 SH SOLE 13,000 0 0
ISHARES TR US CONSUM DISCRE ETF 464287580 264,781 2,619 SH SOLE 2,619 0 0
MFC FLEXSHARES TR MORNINGSTAR ETF 33939L100 17,242,140 62,456 SH SOLE 62,456 0 0
PACER FDS TR US CASH COWS 100 ETF 69374H881 882,618 14,190 SH SOLE 14,190 0 0
SECTOR SPDR TR SBI INT-FINL ETF 81369Y605 413,869 7,720 SH SOLE 7,720 0 0
SECTOR SPDR TR SBI INT-INDS ETF 81369Y704 301,184 1,626 SH SOLE 1,626 0 0
SECTOR SPDR TR SBI INT-UTILS ETF 81369Y886 643,828 14,200 SH SOLE 14,200 0 0
SELECT SECTOR SPDR TR COMMUNIC ETF 81369Y852 282,180 2,634 SH SOLE 2,634 0 0
SPDR GOLD TRUST ETF ETF 78463V107 592,355 1,608 SH SOLE 1,608 0 0
SPDR S & P 500 ETF TRUST ETF 78462f103 164,452,196 220,218 SH SOLE 220,218 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 705,659 4,637 SH SOLE 4,637 0 0
SPDR S & P MIDCAP 400 ETF TRUST ETF 78467y107 6,730,261 9,569 SH SOLE 9,569 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369y803 346,746 1,820 SH SOLE 1,820 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,021,221 1,557 SH SOLE 1,557 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 274,243 1,159 SH SOLE 1,159 0 0
VANGUARD ESG INTERNATIONAL STO ETF 921910725 2,396,341 29,103 SH SOLE 29,103 0 0
VANGUARD ESG U.S. STOCK ETF ETF 921910733 5,029,616 38,034 SH SOLE 38,034 0 0
VANGUARD FTSE DEVELOPED MARKET ETF 921943858 78,673,751 1,104,193 SH SOLE 1,104,193 0 0
VANGUARD FTSE EMERGING MKTS ET ETF 922042858 3,824,099 64,066 SH SOLE 64,066 0 0
VANGUARD GROWTH ETF ETF 922908736 1,480,230 17,184 SH SOLE 17,184 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 465,260 1,556 SH SOLE 1,556 0 0
VANGUARD HIGH DVD YIELD ETF ETF 921946406 2,993,720 18,944 SH SOLE 18,944 0 0
VANGUARD INFORMATION TECHNOLOG ETF 92204A702 1,348,186 11,280 SH SOLE 11,280 0 0
VANGUARD INTERNATIONAL HIGH DI ETF 921946794 751,917 7,657 SH SOLE 7,657 0 0
VANGUARD INTL EQTY IDX ALLWRLD ETF 922042775 766,396 9,151 SH SOLE 9,151 0 0
VANGUARD S & P 500 ETF ETF 922908363 275,219,877 400,722 SH SOLE 400,722 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 249,407 682 SH SOLE 682 0 0
VANGUARD SMALL CAP VALUE ETF VETF 922908611 2,552,853 10,506 SH SOLE 10,506 0 0
VANGUARD TOTAL INTERNATIONAL S ETF 921909768 326,774,753 3,822,374 SH SOLE 3,822,374 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 89,177,264 568,189 SH SOLE 568,189 0 0
VANGUARD US TOTAL STOCK MKT SH ETF 922908769 403,078,041 1,089,282 SH SOLE 1,089,282 0 0
VANGUARD VALUE ETF ETF 922908744 32,704,755 150,070 SH SOLE 150,070 0 0
VANGUARD WORLD FD INDUSTRIAL E ETF 92204A603 259,113 719 SH SOLE 719 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 286,691 1,754 SH SOLE 1,754 0 0
XTRACKERS MSCI EAFE HEDGED EQU ETF 233051200 1,242,068 22,736 SH SOLE 22,736 0 0