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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   449,751 25,424 SH   DFND 1 25,424 0 0
ADVANCED MICRO DEVICES INC COM 007903107   345,578 3,361 SH   DFND 1 3,361 0 0
ALPHABET INC CAP STK CL C 02079K107   246,560 1,870 SH   DFND 1 1,870 0 0
ALPHABET INC CAP STK CL A 02079K305   684,267 5,229 SH   DFND 1 5,229 0 0
ALTRIA GROUP INC COM 02209S103   244,185 5,807 SH   DFND 1 5,807 0 0
AMAZON COM INC COM 023135106   815,348 6,414 SH   DFND 1 6,414 0 0
APPLE INC COM 037833100   856,635 5,003 SH   DFND 1 5,003 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   223,491 638 SH   DFND 1 638 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,204,284 2,131 SH   DFND 1 2,131 0 0
ELI LILLY & CO COM 532457108   336,882 627 SH   DFND 1 627 0 0
ESSA BANCORP INC COM 29667D104   347,421 23,146 SH   DFND 1 23,146 0 0
EXXON MOBIL CORP COM 30231G102   733,184 6,236 SH   DFND 1 6,236 0 0
FIDELITY D & D BANCORP INC COM 31609R100   218,374 4,810 SH   DFND 1 4,810 0 0
GRANITESHARES GOLD TR SHS BEN INT 38748G101   587,318 32,129 SH   DFND 1 32,129 0 0
HERSHEY CO COM 427866108   406,881 2,034 SH   DFND 1 2,034 0 0
HOME DEPOT INC COM 437076102   231,601 766 SH   DFND 1 766 0 0
INVESCO CURRENCYSHARES JAPAN JAPANESE YEN 46138W107   1,123,898 18,072 SH   DFND 1 18,072 0 0
INVESCO DB US DLR INDEX TR BEARISH FD 46141D104   1,207,442 65,729 SH   DFND 1 65,729 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   465,115 20,990 SH   DFND 1 20,990 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,407,667 52,279 SH   DFND 1 52,279 0 0
ISHARES TR CALIF MUN BD ETF 464288356   235,647 4,297 SH   DFND 1 4,297 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   986,285 19,793 SH   DFND 1 19,793 0 0
ISHARES TR CORE MSCI EAFE 46432F842   301,415 4,684 SH   DFND 1 4,684 0 0
ISHARES TR CORE DIV GRWTH 46434V621   1,242,708 25,090 SH   DFND 1 25,090 0 0
ISHARES TR NEW YORK MUN ETF 464288323   1,126,498 22,075 SH   DFND 1 22,075 0 0
ISHARES TR 20 YR TR BD ETF 464287432   8,515,071 96,009 SH   DFND 1 96,009 0 0
ISHARES TR CORE US AGGBD ET 464287226   4,130,380 43,921 SH   DFND 1 43,921 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,753,604 17,101 SH   DFND 1 17,101 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   2,359,466 29,140 SH   DFND 1 29,140 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,632,341 15,869 SH   DFND 1 15,869 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   301,180 6,002 SH   DFND 1 6,002 0 0
JOHNSON & JOHNSON COM 478160104   1,766,025 11,338 SH   DFND 1 11,338 0 0
MCDONALDS CORP COM 580135101   228,139 866 SH   DFND 1 866 0 0
MICROSOFT CORP COM 594918104   1,418,734 4,493 SH   DFND 1 4,493 0 0
MONDELEZ INTL INC CL A 609207105   321,036 4,626 SH   DFND 1 4,626 0 0
PEPSICO INC COM 713448108   228,269 1,347 SH   DFND 1 1,347 0 0
PHILIP MORRIS INTL INC COM 718172109   271,743 2,935 SH   DFND 1 2,935 0 0
PNC FINL SVCS GROUP INC COM 693475105   372,837 3,037 SH   DFND 1 3,037 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   22,421,999 443,123 SH   DFND 1 443,123 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,565,758 185,664 SH   DFND 1 185,664 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,139,340 213,952 SH   DFND 1 213,952 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,407,866 188,688 SH   DFND 1 188,688 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,166,807 153,558 SH   DFND 1 153,558 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   17,475,694 364,913 SH   DFND 1 364,913 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,128,246 93,338 SH   DFND 1 93,338 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,135,739 51,563 SH   DFND 1 51,563 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   503,757 3,073 SH   DFND 1 3,073 0 0
SPDR GOLD TR GOLD SHS 78463V107   3,200,457 18,667 SH   DFND 1 18,667 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,007,868 2,358 SH   DFND 1 2,358 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   723,394 16,554 SH   DFND 1 16,554 0 0
UNITED PARCEL SERVICE INC CL B 911312106   300,673 1,929 SH   DFND 1 1,929 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,875,030 3,718 SH   DFND 1 3,718 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,491,160 6,041 SH   DFND 1 6,041 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,518,134 21,756 SH   DFND 1 21,756 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,611,647 4,104 SH   DFND 1 4,104 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,260,262 5,933 SH   DFND 1 5,933 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,321,239 110,206 SH   DFND 1 110,206 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   239,827 4,986 SH   DFND 1 4,986 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,318,414 23,751 SH   DFND 1 23,751 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   2,681,159 37,433 SH   DFND 1 37,433 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   808,189 10,754 SH   DFND 1 10,754 0 0
VISA INC COM CL A 92826C839   1,640,441 7,131 SH   DFND 1 7,131 0 0
WASTE MGMT INC DEL COM 94106L109   1,395,270 9,153 SH   DFND 1 9,153 0 0