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

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OMB Number:		3235-0006
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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
ABBOTT LABS COM	Stock	002824100	328	2,333	SH		SOLE		0	0	2,333
ALPHABET INC CAP STK CL A	Stock	02079K305	269	93	SH		SOLE		0	0	93
ALPHABET INC CAP STK CL C	Stock	02079K107	723	250	SH		SOLE		0	0	250
AMAZON COM INC COM	Stock	023135106	2,704	811	SH		SOLE		0	0	811
APPLE INC COM	Stock	037833100	6,758	38,061	SH		SOLE		0	0	38,061
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	329	1,335	SH		SOLE		0	0	1,335
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	347	1,163	SH		SOLE		0	0	1,163
BITFARMS LTD COM	Stock	09173B107	64	12,801	SH		SOLE		0	0	12,801
BLACKROCK SHORT MATURITY BOND ETF	ETF	46431W507	531	10,637	SH		SOLE		0	0	10,637
BLACKSTONE INC COM	Stock	09260D107	240	1,860	SH		SOLE		0	0	1,860
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	202	3,250	SH		SOLE		0	0	3,250
CHEVRON CORP NEW COM	Stock	166764100	452	3,853	SH		SOLE		0	0	3,853
CSX CORP COM	Stock	126408103	200	5,339	SH		SOLE		0	0	5,339
DISNEY WALT CO COM	Stock	254687106	343	2,218	SH		SOLE		0	0	2,218
ESSENTIAL UTILS INC COM	Stock	29670G102	1,121	20,893	SH		SOLE		0	0	20,893
EXXON MOBIL CORP COM	Stock	30231G102	313	5,128	SH		SOLE		0	0	5,128
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	3,971	46,967	SH		SOLE		0	0	46,967
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,863	32,700	SH		SOLE		0	0	32,700
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	1,080	25,109	SH		SOLE		0	0	25,109
HOME DEPOT INC COM	Stock	437076102	279	672	SH		SOLE		0	0	672
ICON PLC SHS	Stock	G4705A100	249	805	SH		SOLE		0	0	805
INTUIT COM	Stock	461202103	461	718	SH		SOLE		0	0	718
INVESCO QQQ TRUST	ETF	46090E103	9,829	24,707	SH		SOLE		0	0	24,707
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	208	1,279	SH		SOLE		0	0	1,279
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	6,141	113,992	SH		SOLE		0	0	113,992
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	7,333	72,611	SH		SOLE		0	0	72,611
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	459	6,484	SH		SOLE		0	0	6,484
ISHARES CORE S&P 500 ETF	ETF	464287200	17,417	36,515	SH		SOLE		0	0	36,515
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,580	14,769	SH		SOLE		0	0	14,769
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	236	2,044	SH		SOLE		0	0	2,044
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	8,300	156,825	SH		SOLE		0	0	156,825
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	1,060	9,293	SH		SOLE		0	0	9,293
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	6,395	59,274	SH		SOLE		0	0	59,274
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	5,137	64,167	SH		SOLE		0	0	64,167
ISHARES GLOBAL TECH ETF	ETF	464287291	3,345	51,952	SH		SOLE		0	0	51,952
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	517	3,906	SH		SOLE		0	0	3,906
ISHARES MBS ETF	ETF	464288588	4,842	45,076	SH		SOLE		0	0	45,076
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,966	36,671	SH		SOLE		0	0	36,671
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	844	4,647	SH		SOLE		0	0	4,647
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	1,046	7,188	SH		SOLE		0	0	7,188
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	460	4,210	SH		SOLE		0	0	4,210
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,318	11,335	SH		SOLE		0	0	11,335
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	451	5,441	SH		SOLE		0	0	5,441
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,788	21,380	SH		SOLE		0	0	21,380
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,482	9,465	SH		SOLE		0	0	9,465
ISHARES S&P MIDCAP FUND	ETF	464287507	371	1,312	SH		SOLE		0	0	1,312
ISHARES S&P SMALL-CAP FUND	ETF	464287804	388	3,391	SH		SOLE		0	0	3,391
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	586	5,462	SH		SOLE		0	0	5,462
ISHARES TIPS BOND ETF	ETF	464287176	4,227	32,722	SH		SOLE		0	0	32,722
ISHARES U.S. ENERGY ETF	ETF	464287796	4,561	151,537	SH		SOLE		0	0	151,537
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	1,371	20,824	SH		SOLE		0	0	20,824
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	7,520	281,886	SH		SOLE		0	0	281,886
JOHNSON & JOHNSON COM	Stock	478160104	932	5,450	SH		SOLE		0	0	5,450
JPMORGAN CHASE & CO COM	Stock	46625H100	216	1,367	SH		SOLE		0	0	1,367
MCDONALDS CORP COM	Stock	580135101	424	1,585	SH		SOLE		0	0	1,585
MERCK & CO INC COM	Stock	58933Y105	797	10,400	SH		SOLE		0	0	10,400
META PLATFORMS INC CL A	Stock	30303M102	512	1,523	SH		SOLE		0	0	1,523
MICROSOFT CORP COM	Stock	594918104	767	2,281	SH		SOLE		0	0	2,281
NVIDIA CORPORATION COM	Stock	67066G104	457	1,554	SH		SOLE		0	0	1,554
PENN NATL GAMING INC COM	Stock	707569109	216	4,173	SH		SOLE		0	0	4,173
PFIZER INC COM	Stock	717081103	275	4,664	SH		SOLE		0	0	4,664
PHILIP MORRIS INTL INC COM	Stock	718172109	259	2,726	SH		SOLE		0	0	2,726
POLARITYTE INC COM	Stock	731094108	129	220,000	SH		SOLE		0	0	220,000
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	767	10,479	SH		SOLE		0	0	10,479
SPDR GOLD SHARES	ETF	78463V107	244	1,432	SH		SOLE		0	0	1,432
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	1,022	17,490	SH		SOLE		0	0	17,490
SPDR S&P 500 ETF	ETF	78462F103	202	427	SH		SOLE		0	0	427
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	874039100	237	1,976	SH		SOLE		0	0	1,976
TESLA INC COM	Stock	88160R101	3,357	3,177	SH		SOLE		0	0	3,177
UNION PAC CORP COM	Stock	907818108	234	931	SH		SOLE		0	0	931
UNITEDHEALTH GROUP INC COM	Stock	91324P102	309	615	SH		SOLE		0	0	615
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	392	13,112	SH		SOLE		0	0	13,112
VANGUARD LARGE-CAP INDEX FUND	ETF	922908637	477	2,160	SH		SOLE		0	0	2,160
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	29,616	113,576	SH		SOLE		0	0	113,576
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	20,354	190,551	SH		SOLE		0	0	190,551
VANGUARD MID-CAP GROWTH INDEX FUND	ETF	922908538	700	2,750	SH		SOLE		0	0	2,750
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	6,703	85,357	SH		SOLE		0	0	85,357
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	6,758	91,654	SH		SOLE		0	0	91,654
VANGUARD S&P 500 ETF	ETF	922908363	242	556	SH		SOLE		0	0	556
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	651	7,686	SH		SOLE		0	0	7,686
VANGUARD TOTAL STOCK MARKET INDEX FUND	ETF	922908769	952	3,943	SH		SOLE		0	0	3,943
VANGUARD VALUE INDEX FUND	ETF	922908744	205	1,397	SH		SOLE		0	0	1,397
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	621	11,956	SH		SOLE		0	0	11,956
WALMART INC COM	Stock	931142103	317	2,194	SH		SOLE		0	0	2,194
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	316	7,692	SH		SOLE		0	0	7,692
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	87	30,469	SH		SOLE		0	0	30,469