Wharton Business 13F-HR Quarterly holdings report by institutional manager

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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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
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	477	1,350	SH		SOLE		0	0	1,350
ADOBE INC	COM	00724F101	1,242	2,398	SH		SOLE		0	0	2,398
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	202	1,900	SH		SOLE		0	0	1,900
ALPHABET INC	CAP STK CL A	02079K305	6,214	37,466	SH		SOLE		0	0	37,466
ALPHABET INC	CAP STK CL C	02079K107	545	3,260	SH		SOLE		0	0	3,260
AMAZON COM INC	COM	023135106	1,916	10,283	SH		SOLE		0	0	10,283
AMENTUM HOLDINGS INC	COM	023939101	2,106	65,295	SH		SOLE		0	0	65,295
AMGEN INC	COM	031162100	379	1,176	SH		SOLE		0	0	1,176
APPLE INC	COM	037833100	102,708	440,809	SH		SOLE		0	0	440,809
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	1,831	2,198	SH		SOLE		0	0	2,198
AUTODESK INC	COM	052769106	398	1,445	SH		SOLE		0	0	1,445
BANK AMERICA CORP	COM	060505104	16,660	419,857	SH		SOLE		0	0	419,857
BANK NEW YORK MELLON CORP	COM	064058100	343	4,780	SH		SOLE		0	0	4,780
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	38,275	83,160	SH		SOLE		0	0	83,160
BLACKROCK ENHANCED EQUITY DI	COM	09251A104	164	19,004	SH		SOLE		0	0	19,004
BLACKROCK ETF TRUST II	FLEXIBLE INCOME	092528603	62,168	1,161,375	SH		SOLE		0	0	1,161,375
BLACKROCK INC	COM	09247X101	573	603	SH		SOLE		0	0	603
CATERPILLAR INC	COM	149123101	21,440	54,818	SH		SOLE		0	0	54,818
CHEVRON CORP NEW	COM	166764100	327	2,219	SH		SOLE		0	0	2,219
CISCO SYS INC	COM	17275R102	7,478	140,519	SH		SOLE		0	0	140,519
CITIGROUP INC	COM NEW	172967424	3,255	52,003	SH		SOLE		0	0	52,003
COGNEX CORP	COM	192422103	254	6,270	SH		SOLE		0	0	6,270
CONOCOPHILLIPS	COM	20825C104	323	3,065	SH		SOLE		0	0	3,065
CSX CORP	COM	126408103	4,139	119,855	SH		SOLE		0	0	119,855
CUMMINS INC	COM	231021106	19,502	58,841	SH		SOLE		0	0	58,841
DANAHER CORPORATION	COM	235851102	589	2,120	SH		SOLE		0	0	2,120
DISNEY WALT CO	COM	254687106	261	2,713	SH		SOLE		0	0	2,713
ELI LILLY & CO	COM	532457108	536	605	SH		SOLE		0	0	605
FEDEX CORP	COM	31428X106	5,018	18,336	SH		SOLE		0	0	18,336
FIRST COMWLTH FINL CORP PA	COM	319829107	200	11,685	SH		SOLE		0	0	11,685
FIRST TR EXCHANGE-TRADED FD	NY ARCA BIOTECH	33733E203	206	1,200	SH		SOLE		0	0	1,200
GENERAL MTRS CO	COM	37045V100	5,415	120,770	SH		SOLE		0	0	120,770
GLOBAL X FDS	MSCI CHINA CNSMR	37950E408	2,319	107,917	SH		SOLE		0	0	107,917
GOLDMAN SACHS GROUP INC	COM	38141G104	33,872	68,412	SH		SOLE		0	0	68,412
HUNT J B TRANS SVCS INC	COM	445658107	1,571	9,117	SH		SOLE		0	0	9,117
INNOVATIVE SOLUTIONS & SUPPO	COM	45769N105	126	19,395	SH		SOLE		0	0	19,395
INTEL CORP	COM	458140100	379	16,143	SH		SOLE		0	0	16,143
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	556	3,460	SH		SOLE		0	0	3,460
INTUIT	COM	461202103	643	1,035	SH		SOLE		0	0	1,035
INVESCO EXCH TRADED FD TR II	KBW BK ETF	46138E628	116,489	1,987,535	SH		SOLE		0	0	1,987,535
INVESCO EXCH TRADED FD TR II	S&P SMLCP INFO	46138E115	250	5,230	SH		SOLE		0	0	5,230
INVESCO EXCHANGE TRADED FD T	BIOTECHNOLOGY	46137V787	252	3,616	SH		SOLE		0	0	3,616
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	20,036	493,135	SH		SOLE		0	0	493,135
INVESCO EXCHANGE TRADED FD T	LARGE CAP GROWTH	46137V746	16,615	168,364	SH		SOLE		0	0	168,364
INVESCO EXCHANGE TRADED FD T	LARGE CAP VALUE	46137V738	10,455	179,262	SH		SOLE		0	0	179,262
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	296	2,830	SH		SOLE		0	0	2,830
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	49,933	278,708	SH		SOLE		0	0	278,708
INVESCO QQQ TR	UNIT SER 1	46090E103	208	426	SH		SOLE		0	0	426
ISHARES INC	CORE MSCI EMKT	46434G103	85,666	1,492,179	SH		SOLE		0	0	1,492,179
ISHARES INC	CUR HD MSCI EM	46434G509	1,154	40,595	SH		SOLE		0	0	40,595
ISHARES INC	ESG AWR MSCI EM	46434G863	582	15,990	SH		SOLE		0	0	15,990
ISHARES INC	MSCI EMRG CHN	46434G764	13,942	228,140	SH		SOLE		0	0	228,140
ISHARES INC	EM MKTS DIV ETF	464286319	346	12,060	SH		SOLE		0	0	12,060
ISHARES INC	MSCI EM ASIA ETF	464286426	1,614	20,597	SH		SOLE		0	0	20,597
ISHARES INC	MSCI PAC JP ETF	464286665	369	7,562	SH		SOLE		0	0	7,562
ISHARES INC	MSCI EMERG MRKT	464286533	113,597	1,811,748	SH		SOLE		0	0	1,811,748
ISHARES TR	CORE HIGH DV ETF	46429B663	20,210	171,822	SH		SOLE		0	0	171,822
ISHARES TR	CORE MSCI EAFE	46432F842	2,255	28,898	SH		SOLE		0	0	28,898
ISHARES TR	CYBERSECURITY	46435U135	14,381	295,060	SH		SOLE		0	0	295,060
ISHARES TR	ESG AWRE USD ETF	46435G193	275	11,565	SH		SOLE		0	0	11,565
ISHARES TR	ESG MSCI LEADR	46435U218	507	4,990	SH		SOLE		0	0	4,990
ISHARES TR	ESG SCRND S&P500	46436E569	3,821	86,400	SH		SOLE		0	0	86,400
ISHARES TR	EXPONENTIAL TECH	46434V381	3,941	64,740	SH		SOLE		0	0	64,740
ISHARES TR	FUTURE AI & TECH	46435U556	12,295	359,087	SH		SOLE		0	0	359,087
ISHARES TR	GENOMICS IMMUN	46435U192	6,668	270,899	SH		SOLE		0	0	270,899
ISHARES TR	MSCI CHINA A	46434V514	1,326	43,675	SH		SOLE		0	0	43,675
ISHARES TR	MSCI CHINA ETF	46429B671	8,620	169,325	SH		SOLE		0	0	169,325
ISHARES TR	MSCI EAFE MIN VL	46429B689	94,283	1,229,241	SH		SOLE		0	0	1,229,241
ISHARES TR	MSCI INDIA ETF	46429B598	14,139	241,575	SH		SOLE		0	0	241,575
ISHARES TR	MSCI INTL QUALTY	46434V456	30,632	738,310	SH		SOLE		0	0	738,310
ISHARES TR	MSCI LW CRB TG	46434V464	382	1,950	SH		SOLE		0	0	1,950
ISHARES TR	MSCI USA MIN VOL	46429B697	6,935	75,955	SH		SOLE		0	0	75,955
ISHARES TR	MSCI USA QLT FCT	46432F339	227,257	1,267,468	SH		SOLE		0	0	1,267,468
ISHARES TR	MSCI USA VALUE	46432F388	140,708	1,290,421	SH		SOLE		0	0	1,290,421
ISHARES TR	US INFRASTRUC	46435U713	70,540	1,501,800	SH		SOLE		0	0	1,501,800
ISHARES TR	US SML CAP EQT	46434V290	1,468	22,125	SH		SOLE		0	0	22,125
ISHARES TR	CHINA LG-CAP ETF	464287184	1,238	38,953	SH		SOLE		0	0	38,953
ISHARES TR	CORE S&P500 ETF	464287200	54,739	94,898	SH		SOLE		0	0	94,898
ISHARES TR	GLOB HLTHCRE ETF	464287325	235	2,396	SH		SOLE		0	0	2,396
ISHARES TR	GLOB INDSTRL ETF	464288729	12,598	84,695	SH		SOLE		0	0	84,695
ISHARES TR	GL CLEAN ENE ETF	464288224	214	14,555	SH		SOLE		0	0	14,555
ISHARES TR	INTL SEL DIV ETF	464288448	1,086	35,925	SH		SOLE		0	0	35,925
ISHARES TR	JPMORGAN USD EMG	464288281	3,939	42,090	SH		SOLE		0	0	42,090
ISHARES TR	MORNINGSTAR GRWT	464287119	671	7,985	SH		SOLE		0	0	7,985
ISHARES TR	EAFE VALUE ETF	464288877	343	5,960	SH		SOLE		0	0	5,960
ISHARES TR	PFD AND INCM SEC	464288687	993	29,895	SH		SOLE		0	0	29,895
ISHARES TR	RUS 1000 GRW ETF	464287614	3,778	10,065	SH		SOLE		0	0	10,065
ISHARES TR	RUS TP200 GR ETF	464289438	44,718	203,216	SH		SOLE		0	0	203,216
ISHARES TR	S&P 100 ETF	464287101	7,386	26,689	SH		SOLE		0	0	26,689
ISHARES TR	ISHARES SEMICDTR	464287523	19,113	82,889	SH		SOLE		0	0	82,889
ISHARES TR	ISHS 1-5YR INVS	464288646	6,643	126,140	SH		SOLE		0	0	126,140
ISHARES TR	US HLTHCR PR ETF	464288828	19,163	335,550	SH		SOLE		0	0	335,550
ISHARES TR	U.S. MED DVC ETF	464288810	16,395	276,850	SH		SOLE		0	0	276,850
JACOBS SOLUTIONS INC	COM	46982L108	8,547	65,295	SH		SOLE		0	0	65,295
JOHNSON & JOHNSON	COM	478160104	455	2,810	SH		SOLE		0	0	2,810
JPMORGAN CHASE & CO.	COM	46625H100	46,127	218,755	SH		SOLE		0	0	218,755
LOCKHEED MARTIN CORP	COM	539830109	874	1,495	SH		SOLE		0	0	1,495
MASTERCARD INCORPORATED	CL A	57636Q104	267	541	SH		SOLE		0	0	541
META PLATFORMS INC	CL A	30303M102	1,388	2,424	SH		SOLE		0	0	2,424
MICROSOFT CORP	COM	594918104	7,813	18,158	SH		SOLE		0	0	18,158
MID PENN BANCORP INC	COM	59540G107	2,516	84,338	SH		SOLE		0	0	84,338
MORGAN STANLEY	COM NEW	617446448	693	6,649	SH		SOLE		0	0	6,649
NANOVIRICIDES INC	COM	630087302	24	15,736	SH		SOLE		0	0	15,736
NVIDIA CORPORATION	COM	67066G104	1,854	15,266	SH		SOLE		0	0	15,266
ORACLE CORP	COM	68389X105	743	4,358	SH		SOLE		0	0	4,358
PAYCHEX INC	COM	704326107	499	3,715	SH		SOLE		0	0	3,715
PAYPAL HLDGS INC	COM	70450Y103	232	2,975	SH		SOLE		0	0	2,975
PNC FINL SVCS GROUP INC	COM	693475105	491	2,656	SH		SOLE		0	0	2,656
QUANTA SVCS INC	COM	74762E102	16,553	55,520	SH		SOLE		0	0	55,520
S & T BANCORP INC	COM	783859101	1,089	25,952	SH		SOLE		0	0	25,952
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	19,474	429,698	SH		SOLE		0	0	429,698
SELECT SECTOR SPDR TR	INDL	81369Y704	16,641	122,863	SH		SOLE		0	0	122,863
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	36,423	236,480	SH		SOLE		0	0	236,480
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	64,707	286,621	SH		SOLE		0	0	286,621
SMURFIT WESTROCK PLC	SHS	G8267P108	6,305	127,586	SH		SOLE		0	0	127,586
SPDR INDEX SHS FDS	S&P GBLINF ETF	78463X855	15,091	244,630	SH		SOLE		0	0	244,630
SPDR SER TR	S&P BK ETF	78464A797	22,497	425,346	SH		SOLE		0	0	425,346
SPDR SER TR	S&P PHARMAC	78464A722	1,945	43,845	SH		SOLE		0	0	43,845
TEXAS INSTRS INC	COM	882508104	354	1,715	SH		SOLE		0	0	1,715
TEXTRON INC	COM	883203101	4,635	52,320	SH		SOLE		0	0	52,320
THE CIGNA GROUP	COM	125523100	520	1,501	SH		SOLE		0	0	1,501
UNION PAC CORP	COM	907818108	7,016	28,466	SH		SOLE		0	0	28,466
UNITED PARCEL SERVICE INC	CL B	911312106	367	2,695	SH		SOLE		0	0	2,695
UNITEDHEALTH GROUP INC	COM	91324P102	295	504	SH		SOLE		0	0	504
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	73,945	1,480,684	SH		SOLE		0	0	1,480,684
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	12,567	62,593	SH		SOLE		0	0	62,593
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	217	765	SH		SOLE		0	0	765
VANGUARD INDEX FDS	VALUE ETF	922908744	324	1,858	SH		SOLE		0	0	1,858
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	56,369	894,746	SH		SOLE		0	0	894,746
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	23,164	484,091	SH		SOLE		0	0	484,091
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	536	6,745	SH		SOLE		0	0	6,745
VANGUARD SCOTTSDALE FDS	VNG RUS1000GRW	92206C680	450	4,660	SH		SOLE		0	0	4,660
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	22,689	114,558	SH		SOLE		0	0	114,558
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	114,713	894,801	SH		SOLE		0	0	894,801
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	1,302	4,614	SH		SOLE		0	0	4,614
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	648	5,050	SH		SOLE		0	0	5,050
WELLS FARGO CO NEW	COM	949746101	1,000	17,700	SH		SOLE		0	0	17,700
WELLTOWER INC	COM	95040Q104	327	2,555	SH		SOLE		0	0	2,555
WISDOMTREE TR	US QTLY DIV GRT	97717X669	861	10,345	SH		SOLE		0	0	10,345
WISDOMTREE TR	WISDOMTREE US VA	97717W547	391	4,885	SH		SOLE		0	0	4,885
ZIONS BANCORPORATION N A	COM	989701107	211	4,460	SH		SOLE		0	0	4,460