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
ABBOTT LABS COM	Stock	002824100	316	2,913	SH		SOLE		0	0	2,913
ABBVIE INC COM	Stock	00287Y109	216	1,416	SH		SOLE		0	0	1,416
ALPHABET INC CAP STK CL A	Stock	02079K305	228	105	SH		SOLE		0	0	105
ALPHABET INC CAP STK CL C	Stock	02079K107	662	303	SH		SOLE		0	0	303
AMAZON COM INC COM	Stock	023135106	1,794	16,900	SH		SOLE		0	0	16,900
APPLE INC COM	Stock	037833100	5,392	39,441	SH		SOLE		0	0	39,441
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	299	1,427	SH		SOLE		0	0	1,427
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	300	1,100	SH		SOLE		0	0	1,100
BITFARMS LTD COM	Stock	09173B107	14	12,801	SH		SOLE		0	0	12,801
BLACKROCK SHORT MATURITY BOND ETF	ETF	46431W507	335	6,806	SH		SOLE		0	0	6,806
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF	ETF	46431W838	200	4,023	SH		SOLE		0	0	4,023
BLACKSTONE INC COM	Stock	09260D107	212	2,332	SH		SOLE		0	0	2,332
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	208	2,714	SH		SOLE		0	0	2,714
CHEVRON CORP NEW COM	Stock	166764100	554	3,832	SH		SOLE		0	0	3,832
DISNEY WALT CO COM	Stock	254687106	232	2,460	SH		SOLE		0	0	2,460
ESSENTIAL UTILS INC COM	Stock	29670G102	958	20,895	SH		SOLE		0	0	20,895
EXXON MOBIL CORP COM	Stock	30231G102	507	5,922	SH		SOLE		0	0	5,922
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	2,680	85,236	SH		SOLE		0	0	85,236
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	3,480	49,777	SH		SOLE		0	0	49,777
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,587	31,372	SH		SOLE		0	0	31,372
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	992	25,580	SH		SOLE		0	0	25,580
INTUIT COM	Stock	461202103	276	718	SH		SOLE		0	0	718
INVESCO QQQ TRUST	ETF	46090E103	7,530	26,867	SH		SOLE		0	0	26,867
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	1,466	29,010	SH		SOLE		0	0	29,010
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	11,146	110,989	SH		SOLE		0	0	110,989
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	369	6,484	SH		SOLE		0	0	6,484
ISHARES CORE S&P 500 ETF	ETF	464287200	14,762	38,936	SH		SOLE		0	0	38,936
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,986	23,714	SH		SOLE		0	0	23,714
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	8,343	178,206	SH		SOLE		0	0	178,206
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	1,159	11,401	SH		SOLE		0	0	11,401
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	472	7,182	SH		SOLE		0	0	7,182
ISHARES GLOBAL TECH ETF	ETF	464287291	2,541	55,603	SH		SOLE		0	0	55,603
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	248	2,261	SH		SOLE		0	0	2,261
ISHARES MBS ETF	ETF	464288588	3,829	39,276	SH		SOLE		0	0	39,276
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,381	33,918	SH		SOLE		0	0	33,918
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	595	4,369	SH		SOLE		0	0	4,369
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	802	7,181	SH		SOLE		0	0	7,181
ISHARES MSCI USA VALUE FACTOR ETF	ETF	46432F388	401	4,440	SH		SOLE		0	0	4,440
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,108	10,421	SH		SOLE		0	0	10,421
ISHARES PREFERRED AND INCOME SECURITIES ETF	ETF	464288687	687	20,923	SH		SOLE		0	0	20,923
ISHARES RUSSELL MID-CAP ETF	ETF	464287499	344	5,333	SH		SOLE		0	0	5,333
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,290	21,380	SH		SOLE		0	0	21,380
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,301	9,465	SH		SOLE		0	0	9,465
ISHARES S&P MIDCAP FUND	ETF	464287507	289	1,278	SH		SOLE		0	0	1,278
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	2,510	28,193	SH		SOLE		0	0	28,193
ISHARES S&P SMALL-CAP FUND	ETF	464287804	250	2,707	SH		SOLE		0	0	2,707
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	593	5,672	SH		SOLE		0	0	5,672
ISHARES TIPS BOND ETF	ETF	464287176	1,659	14,564	SH		SOLE		0	0	14,564
ISHARES U.S. ENERGY ETF	ETF	464287796	4,600	120,678	SH		SOLE		0	0	120,678
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	1,614	47,430	SH		SOLE		0	0	47,430
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	795	15,777	SH		SOLE		0	0	15,777
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	7,159	299,541	SH		SOLE		0	0	299,541
JOHNSON & JOHNSON COM	Stock	478160104	1,056	5,954	SH		SOLE		0	0	5,954
JPMORGAN CHASE & CO COM	Stock	46625H100	257	2,288	SH		SOLE		0	0	2,288
MCDONALDS CORP COM	Stock	580135101	461	1,867	SH		SOLE		0	0	1,867
MERCK & CO INC COM	Stock	58933Y105	991	10,876	SH		SOLE		0	0	10,876
META PLATFORMS INC CL A	Stock	30303M102	433	2,691	SH		SOLE		0	0	2,691
MICROSOFT CORP COM	Stock	594918104	700	2,728	SH		SOLE		0	0	2,728
NVIDIA CORPORATION COM	Stock	67066G104	425	2,807	SH		SOLE		0	0	2,807
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	100	11,100	SH		SOLE		0	0	11,100
PFIZER INC COM	Stock	717081103	443	8,455	SH		SOLE		0	0	8,455
PHILIP MORRIS INTL INC COM	Stock	718172109	268	2,718	SH		SOLE		0	0	2,718
POLARITYTE INC COM NEW	Stock	731094207	16	11,200	SH		SOLE		0	0	11,200
PROGRESSIVE CORP COM	Stock	743315103	212	1,828	SH		SOLE		0	0	1,828
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	654	10,479	SH		SOLE		0	0	10,479
SPDR GOLD SHARES	ETF	78463V107	245	1,457	SH		SOLE		0	0	1,457
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	793	17,062	SH		SOLE		0	0	17,062
SPDR S&P 500 ETF	ETF	78462F103	267	708	SH		SOLE		0	0	708
TESLA INC COM	Stock	88160R101	2,245	3,334	SH		SOLE		0	0	3,334
UNITEDHEALTH GROUP INC COM	Stock	91324P102	316	615	SH		SOLE		0	0	615
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	359	14,116	SH		SOLE		0	0	14,116
VANGUARD LARGE-CAP INDEX FUND	ETF	922908637	372	2,160	SH		SOLE		0	0	2,160
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	21,937	120,738	SH		SOLE		0	0	120,738
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	19,203	199,667	SH		SOLE		0	0	199,667
VANGUARD MID-CAP GROWTH INDEX FUND	ETF	922908538	482	2,750	SH		SOLE		0	0	2,750
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	6,290	111,775	SH		SOLE		0	0	111,775
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	9,593	150,952	SH		SOLE		0	0	150,952
VANGUARD S&P 500 ETF	ETF	922908363	754	2,175	SH		SOLE		0	0	2,175
VANGUARD TOTAL STOCK MARKET INDEX FUND	ETF	922908769	1,023	5,425	SH		SOLE		0	0	5,425
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	665	13,106	SH		SOLE		0	0	13,106
WALMART INC COM	Stock	931142103	263	2,164	SH		SOLE		0	0	2,164
WELLS FARGO CO NEW COM	Stock	949746101	236	6,027	SH		SOLE		0	0	6,027
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	254	7,692	SH		SOLE		0	0	7,692
WRAP TECHNOLOGIES INC COM	Stock	98212N107	31	17,098	SH		SOLE		0	0	17,098
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	34	30,469	SH		SOLE		0	0	30,469