Bernardo Wealth Planning 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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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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
3M CO COM	Stock	88579Y101	280	1,602	SH		SOLE		0	0	1,602
ABBOTT LABS COM	Stock	002824100	672	6,145	SH		SOLE		0	0	6,145
ABBVIE INC COM	Stock	00287Y109	618	5,767	SH		SOLE		0	0	5,767
ADOBE SYSTEMS INCORPORATED COM	Stock	00724F101	447	895	SH		SOLE		0	0	895
ADVANCED MICRO DEVICES INC COM	Stock	007903107	1,055	11,512	SH		SOLE		0	0	11,512
ALIBABA GROUP HLDG LTD SPONSORED ADS	ADR	01609W102	212	912	SH		SOLE		0	0	912
ALPHABET INC CAP STK CL A	Stock	02079K305	676	386	SH		SOLE		0	0	386
ALPHABET INC CAP STK CL C	Stock	02079K107	1,743	995	SH		SOLE		0	0	995
ALTRIA GROUP INC COM	Stock	02209S103	326	7,954	SH		SOLE		0	0	7,954
AMAZON COM INC COM	Stock	023135106	8,373	2,571	SH		SOLE		0	0	2,571
AMERICAN ELEC PWR CO INC COM	Stock	025537101	237	2,858	SH		SOLE		0	0	2,858
AMGEN INC COM	Stock	031162100	356	1,550	SH		SOLE		0	0	1,550
ANALOG DEVICES INC COM	Stock	032654105	218	1,481	SH		SOLE		0	0	1,481
ANTARES PHARMA INC COM	Stock	036642106	104	26,075	SH		SOLE		0	0	26,075
APPLE INC COM	Stock	037833100	24,237	182,659	SH		SOLE		0	0	182,659
AT&T INC COM	Stock	00206R102	711	24,727	SH		SOLE		0	0	24,727
AUTODESK INC COM	Stock	052769106	391	1,281	SH		SOLE		0	0	1,281
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	557	3,166	SH		SOLE		0	0	3,166
BECTON DICKINSON & CO COM	Stock	075887109	204	818	SH		SOLE		0	0	818
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	1,139	4,916	SH		SOLE		0	0	4,916
BK OF AMERICA CORP COM	Stock	060505104	417	13,758	SH		SOLE		0	0	13,758
BLACKROCK INC COM	Stock	09247X101	268	372	SH		SOLE		0	0	372
BLACKROCK SHORT MATURITY BOND ETF	ETF	46431W507	738	14,714	SH		SOLE		0	0	14,714
BOEING CO COM	Stock	097023105	782	3,657	SH		SOLE		0	0	3,657
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	416	6,714	SH		SOLE		0	0	6,714
BROADCOM INC COM	Stock	11135F101	245	561	SH		SOLE		0	0	561
CHEVRON CORP NEW COM	Stock	166764100	540	6,403	SH		SOLE		0	0	6,403
CISCO SYS INC COM	Stock	17275R102	713	15,939	SH		SOLE		0	0	15,939
CITIGROUP INC COM NEW	Stock	172967424	204	3,310	SH		SOLE		0	0	3,310
CLOROX CO DEL COM	Stock	189054109	376	1,863	SH		SOLE		0	0	1,863
COCA COLA CO COM	Stock	191216100	675	12,324	SH		SOLE		0	0	12,324
COMCAST CORP NEW CL A	Stock	20030N101	852	16,267	SH		SOLE		0	0	16,267
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND	ETF	81369Y852	220	3,261	SH		SOLE		0	0	3,261
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	755	4,696	SH		SOLE		0	0	4,696
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	496	7,358	SH		SOLE		0	0	7,358
COSTCO WHSL CORP NEW COM	Stock	22160K105	316	839	SH		SOLE		0	0	839
CROWDSTRIKE HLDGS INC CL A	Stock	22788C105	218	1,030	SH		SOLE		0	0	1,030
DISNEY WALT CO COM	Stock	254687106	1,011	5,584	SH		SOLE		0	0	5,584
DOMINION ENERGY INC COM	Stock	25746U109	300	4,002	SH		SOLE		0	0	4,002
DOVER CORP COM	Stock	260003108	218	1,734	SH		SOLE		0	0	1,734
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	355	9,380	SH		SOLE		0	0	9,380
ESSENTIAL UTILS INC COM	Stock	29670G102	1,219	25,789	SH		SOLE		0	0	25,789
EXXON MOBIL CORP COM	Stock	30231G102	315	7,659	SH		SOLE		0	0	7,659
FACEBOOK INC CL A	Stock	30303M102	2,678	9,806	SH		SOLE		0	0	9,806
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	2,247	76,250	SH		SOLE		0	0	76,250
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	2,128	31,530	SH		SOLE		0	0	31,530
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,468	25,884	SH		SOLE		0	0	25,884
FIRST TRUST NASDAQ-100 EQUAL WEIGHTED INDEX FUND	ETF	337344105	857	8,500	SH		SOLE		0	0	8,500
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	8,561	244,115	SH		SOLE		0	0	244,115
FREEPORT-MCMORAN INC CL B	Stock	35671D857	613	23,586	SH		SOLE		0	0	23,586
GENERAL DYNAMICS CORP COM	Stock	369550108	296	1,992	SH		SOLE		0	0	1,992
GLOBAL NET LEASE INC COM NEW	REIT	379378201	255	14,912	SH		SOLE		0	0	14,912
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	958	8,451	SH		SOLE		0	0	8,451
HOME DEPOT INC COM	Stock	437076102	1,186	4,467	SH		SOLE		0	0	4,467
HONEYWELL INTL INC COM	Stock	438516106	747	3,515	SH		SOLE		0	0	3,515
ILLINOIS TOOL WKS INC COM	Stock	452308109	694	3,407	SH		SOLE		0	0	3,407
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	731	8,263	SH		SOLE		0	0	8,263
INTEL CORP COM	Stock	458140100	1,092	21,930	SH		SOLE		0	0	21,930
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	266	2,120	SH		SOLE		0	0	2,120
INTUIT COM	Stock	461202103	275	724	SH		SOLE		0	0	724
INVESCO QQQ TRUST	ETF	46090E103	6,869	21,897	SH		SOLE		0	0	21,897
INVESCO TR INVT GRADE MUNS COM	CEF	46131M106	178	13,500	SH		SOLE		0	0	13,500
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF	ETF	46434V407	355	7,829	SH		SOLE		0	0	7,829
ISHARES 1-3 YEAR TREASURY BOND ETF	ETF	464287457	874	10,121	SH		SOLE		0	0	10,121
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	4,863	88,159	SH		SOLE		0	0	88,159
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	763	4,838	SH		SOLE		0	0	4,838
ISHARES 7-10 YEAR TREASURY BOND ETF	ETF	464287440	2,661	22,185	SH		SOLE		0	0	22,185
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	863	9,844	SH		SOLE		0	0	9,844
ISHARES CORE MSCI EAFE ETF	ETF	46432F842	681	9,858	SH		SOLE		0	0	9,858
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	493	7,352	SH		SOLE		0	0	7,352
ISHARES CORE S&P 500 ETF	ETF	464287200	14,108	37,582	SH		SOLE		0	0	37,582
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,447	16,786	SH		SOLE		0	0	16,786
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	2,621	22,177	SH		SOLE		0	0	22,177
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	4,484	52,124	SH		SOLE		0	0	52,124
ISHARES GLOBAL TECH ETF	ETF	464287291	3,928	13,093	SH		SOLE		0	0	13,093
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	277	3,175	SH		SOLE		0	0	3,175
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	7,618	55,152	SH		SOLE		0	0	55,152
ISHARES MBS ETF	ETF	464288588	4,400	39,960	SH		SOLE		0	0	39,960
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	216	4,197	SH		SOLE		0	0	4,197
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	12,755	187,919	SH		SOLE		0	0	187,919
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	870	5,400	SH		SOLE		0	0	5,400
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	1,071	9,222	SH		SOLE		0	0	9,222
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	231	2,663	SH		SOLE		0	0	2,663
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,115	9,521	SH		SOLE		0	0	9,521
ISHARES PREFERRED AND INCOME SECURITIES ETF	ETF	464288687	380	9,867	SH		SOLE		0	0	9,867
ISHARES RUSSELL 2000 ETF	ETF	464287655	348	1,779	SH		SOLE		0	0	1,779
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	403	5,886	SH		SOLE		0	0	5,886
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,719	26,948	SH		SOLE		0	0	26,948
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,348	10,537	SH		SOLE		0	0	10,537
ISHARES S&P MIDCAP FUND	ETF	464287507	992	4,316	SH		SOLE		0	0	4,316
ISHARES S&P SMALL-CAP FUND	ETF	464287804	588	6,406	SH		SOLE		0	0	6,406
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	1,438	13,302	SH		SOLE		0	0	13,302
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	2,498	7,635	SH		SOLE		0	0	7,635
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	8,690	319,023	SH		SOLE		0	0	319,023
JOHNSON & JOHNSON COM	Stock	478160104	2,460	15,634	SH		SOLE		0	0	15,634
JPMORGAN CHASE & CO COM	Stock	46625H100	2,063	16,238	SH		SOLE		0	0	16,238
KIMBERLY-CLARK CORP COM	Stock	494368103	486	3,607	SH		SOLE		0	0	3,607
L3HARRIS TECHNOLOGIES INC COM	Stock	502431109	420	2,226	SH		SOLE		0	0	2,226
LOCKHEED MARTIN CORP COM	Stock	539830109	482	1,359	SH		SOLE		0	0	1,359
LOWES COS INC COM	Stock	548661107	521	3,247	SH		SOLE		0	0	3,247
MATERIALS SELECT SECTOR SPDR FUND	ETF	81369Y100	467	6,461	SH		SOLE		0	0	6,461
MAXIM INTEGRATED PRODS INC COM	Stock	57772K101	288	3,253	SH		SOLE		0	0	3,253
MCDONALDS CORP COM	Stock	580135101	1,141	5,319	SH		SOLE		0	0	5,319
MEDTRONIC PLC SHS	Stock	G5960L103	529	4,524	SH		SOLE		0	0	4,524
MERCK & CO. INC COM	Stock	58933Y105	1,448	17,703	SH		SOLE		0	0	17,703
MICROCHIP TECHNOLOGY INC. COM	Stock	595017104	441	3,194	SH		SOLE		0	0	3,194
MICROSOFT CORP COM	Stock	594918104	5,314	23,893	SH		SOLE		0	0	23,893
NETFLIX INC COM	Stock	64110L106	991	1,834	SH		SOLE		0	0	1,834
NEXTERA ENERGY INC COM	Stock	65339F101	898	11,644	SH		SOLE		0	0	11,644
NIKE INC CL B	Stock	654106103	1,093	7,727	SH		SOLE		0	0	7,727
NIO INC SPON ADS	ADR	62914V106	216	4,450	SH		SOLE		0	0	4,450
NORFOLK SOUTHN CORP COM	Stock	655844108	282	1,189	SH		SOLE		0	0	1,189
NVIDIA CORPORATION COM	Stock	67066G104	975	1,868	SH		SOLE		0	0	1,868
PAYPAL HLDGS INC COM	Stock	70450Y103	464	1,983	SH		SOLE		0	0	1,983
PENN NATL GAMING INC COM	Stock	707569109	355	4,119	SH		SOLE		0	0	4,119
PENNS WOODS BANCORP INC COM	Stock	708430103	224	8,616	SH		SOLE		0	0	8,616
PEPSICO INC COM	Stock	713448108	975	6,578	SH		SOLE		0	0	6,578
PFIZER INC COM	Stock	717081103	684	18,593	SH		SOLE		0	0	18,593
PHILIP MORRIS INTL INC COM	Stock	718172109	548	6,629	SH		SOLE		0	0	6,629
POLARITYTE INC COM	Stock	731094108	136	200,000	SH		SOLE		0	0	200,000
PPL CORP COM	Stock	69351T106	1,374	48,739	SH		SOLE		0	0	48,739
PROCTER AND GAMBLE CO COM	Stock	742718109	1,003	7,211	SH		SOLE		0	0	7,211
PROSHARES ULTRA QQQ	ETF	74347R206	270	2,350	SH		SOLE		0	0	2,350
QUALCOMM INC COM	Stock	747525103	855	5,616	SH		SOLE		0	0	5,616
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	307	4,303	SH		SOLE		0	0	4,303
REAL ESTATE SELECT SECTOR SPDR FUND	ETF	81369Y860	338	9,270	SH		SOLE		0	0	9,270
REPUBLIC SVCS INC COM	Stock	760759100	274	2,847	SH		SOLE		0	0	2,847
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	623	10,479	SH		SOLE		0	0	10,479
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	524	8,180	SH		SOLE		0	0	8,180
SEAGATE TECHNOLOGY PLC SHS	Stock	G7945M107	232	3,739	SH		SOLE		0	0	3,739
SHOPIFY INC CL A	Stock	82509L107	330	292	SH		SOLE		0	0	292
SKYWORKS SOLUTIONS INC COM	Stock	83088M102	316	2,071	SH		SOLE		0	0	2,071
SOUTHERN CO COM	Stock	842587107	300	4,888	SH		SOLE		0	0	4,888
SPDR GOLD SHARES	ETF	78463V107	421	2,366	SH		SOLE		0	0	2,366
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF	ETF	78468R739	997	20,028	SH		SOLE		0	0	20,028
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	843	18,309	SH		SOLE		0	0	18,309
SPDR S&P 500 ETF	ETF	78462F103	290	778	SH		SOLE		0	0	778
STARBUCKS CORP COM	Stock	855244109	479	4,484	SH		SOLE		0	0	4,484
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	874039100	263	2,420	SH		SOLE		0	0	2,420
TARGET CORP COM	Stock	87612E106	288	1,636	SH		SOLE		0	0	1,636
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	2,805	21,580	SH		SOLE		0	0	21,580
TESLA INC COM	Stock	88160R101	3,882	5,502	SH		SOLE		0	0	5,502
TWITTER INC COM	Stock	90184L102	337	6,237	SH		SOLE		0	0	6,237
UNION PAC CORP COM	Stock	907818108	444	2,132	SH		SOLE		0	0	2,132
UNITED PARCEL SERVICE INC CL B	Stock	911312106	2,573	15,283	SH		SOLE		0	0	15,283
UNITEDHEALTH GROUP INC COM	Stock	91324P102	1,154	3,291	SH		SOLE		0	0	3,291
UTILITIES SELECT SECTOR SPDR FUND	ETF	81369Y886	933	14,886	SH		SOLE		0	0	14,886
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	477	10,115	SH		SOLE		0	0	10,115
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	446	8,907	SH		SOLE		0	0	8,907
VANGUARD FTSE EUROPE ETF	ETF	922042874	207	3,442	SH		SOLE		0	0	3,442
VANGUARD GROWTH INDEX FUND	ETF	922908736	409	1,615	SH		SOLE		0	0	1,615
VANGUARD INFORMATION TECHNOLOGY INDEX FUND	ETF	92204A702	906	2,563	SH		SOLE		0	0	2,563
VANGUARD LARGE-CAP INDEX FUND	ETF	922908637	456	2,595	SH		SOLE		0	0	2,595
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	19,988	98,104	SH		SOLE		0	0	98,104
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	7,878	90,749	SH		SOLE		0	0	90,749
VANGUARD MID-CAP GROWTH INDEX FUND	ETF	922908538	598	2,823	SH		SOLE		0	0	2,823
VANGUARD REAL ESTATE ETF	ETF	922908553	382	4,501	SH		SOLE		0	0	4,501
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	1,248	5,037	SH		SOLE		0	0	5,037
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	584	4,875	SH		SOLE		0	0	4,875
VANGUARD S&P 500 ETF	ETF	922908363	1,268	3,690	SH		SOLE		0	0	3,690
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	ETF	92206C409	222	2,673	SH		SOLE		0	0	2,673
VANGUARD TOTAL STOCK MARKET INDEX FUND	ETF	922908769	839	4,313	SH		SOLE		0	0	4,313
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	2,231	37,975	SH		SOLE		0	0	37,975
VERTEX PHARMACEUTICALS INC COM	Stock	92532F100	211	893	SH		SOLE		0	0	893
VISA INC COM CL A	Stock	92826C839	1,151	5,264	SH		SOLE		0	0	5,264
WALMART INC COM	Stock	931142103	745	5,174	SH		SOLE		0	0	5,174
WASTE MGMT INC DEL COM	Stock	94106L109	365	3,100	SH		SOLE		0	0	3,100
WELLS FARGO CO NEW COM	Stock	949746101	267	8,868	SH		SOLE		0	0	8,868
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	257	7,692	SH		SOLE		0	0	7,692
WRAP TECHNOLOGIES INC COM	Stock	98212N107	67	13,891	SH		SOLE		0	0	13,891
ZOOM VIDEO COMMUNICATIONS INC CL A	Stock	98980L101	220	653	SH		SOLE		0	0	653
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	89	27,219	SH		SOLE		0	0	27,219