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	248	2,613	SH		SOLE		0	0	2,613
ABBVIE INC COM	Stock	00287Y109	235	1,600	SH		SOLE		0	0	1,600
ALPHABET INC CAP STK CL C	Stock	02079K107	699	6,889	SH		SOLE		0	0	6,889
AMAZON COM INC COM	Stock	023135106	2,004	16,799	SH		SOLE		0	0	16,799
APPLE INC COM	Stock	037833100	5,818	39,511	SH		SOLE		0	0	39,511
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	332	1,427	SH		SOLE		0	0	1,427
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	310	1,100	SH		SOLE		0	0	1,100
BITFARMS LTD COM	Stock	09173B107	12	12,801	SH		SOLE		0	0	12,801
BLACKROCK SHORT MATURITY BOND ETF	ETF	46431W507	231	4,704	SH		SOLE		0	0	4,704
BLACKSTONE INC COM	Stock	09260D107	257	3,012	SH		SOLE		0	0	3,012
CHEVRON CORP NEW COM	Stock	166764100	664	3,834	SH		SOLE		0	0	3,834
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	5,834	84,668	SH		SOLE		0	0	84,668
DISNEY WALT CO COM	Stock	254687106	252	2,475	SH		SOLE		0	0	2,475
ESSENTIAL UTILS INC COM	Stock	29670G102	854	20,895	SH		SOLE		0	0	20,895
EXXON MOBIL CORP COM	Stock	30231G102	644	6,090	SH		SOLE		0	0	6,090
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	3,052	94,827	SH		SOLE		0	0	94,827
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	3,684	52,763	SH		SOLE		0	0	52,763
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,535	31,618	SH		SOLE		0	0	31,618
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	917	24,880	SH		SOLE		0	0	24,880
INTUIT COM	Stock	461202103	299	718	SH		SOLE		0	0	718
INVESCO QQQ TRUST	ETF	46090E103	7,499	27,230	SH		SOLE		0	0	27,230
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	1,304	26,705	SH		SOLE		0	0	26,705
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	8,333	84,898	SH		SOLE		0	0	84,898
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	339	6,484	SH		SOLE		0	0	6,484
ISHARES CORE S&P 500 ETF	ETF	464287200	14,700	39,117	SH		SOLE		0	0	39,117
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	294	1,278	SH		SOLE		0	0	1,278
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	229	2,490	SH		SOLE		0	0	2,490
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	2,088	25,140	SH		SOLE		0	0	25,140
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	7,805	179,842	SH		SOLE		0	0	179,842
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	1,095	11,687	SH		SOLE		0	0	11,687
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	376	5,805	SH		SOLE		0	0	5,805
ISHARES GLOBAL TECH ETF	ETF	464287291	2,255	51,025	SH		SOLE		0	0	51,025
ISHARES MBS ETF	ETF	464288588	3,430	38,606	SH		SOLE		0	0	38,606
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,205	32,417	SH		SOLE		0	0	32,417
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	612	4,325	SH		SOLE		0	0	4,325
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	766	7,049	SH		SOLE		0	0	7,049
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	2,688	26,322	SH		SOLE		0	0	26,322
ISHARES PREFERRED & INCOME SECURITIES ETF	ETF	464288687	649	21,650	SH		SOLE		0	0	21,650
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	342	5,336	SH		SOLE		0	0	5,336
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,278	21,380	SH		SOLE		0	0	21,380
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,289	9,465	SH		SOLE		0	0	9,465
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	496	4,837	SH		SOLE		0	0	4,837
ISHARES TIPS BOND ETF	ETF	464287176	1,534	14,568	SH		SOLE		0	0	14,568
ISHARES U.S. ENERGY ETF	ETF	464287796	859	18,461	SH		SOLE		0	0	18,461
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	1,716	50,803	SH		SOLE		0	0	50,803
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	612	12,756	SH		SOLE		0	0	12,756
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	6,470	291,207	SH		SOLE		0	0	291,207
JOHNSON & JOHNSON COM	Stock	478160104	1,021	6,054	SH		SOLE		0	0	6,054
JPMORGAN CHASE & CO COM	Stock	46625H100	227	1,858	SH		SOLE		0	0	1,858
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	378	7,225	SH		SOLE		0	0	7,225
MCDONALDS CORP COM	Stock	580135101	475	1,868	SH		SOLE		0	0	1,868
MERCK & CO INC COM	Stock	58933Y105	1,032	10,792	SH		SOLE		0	0	10,792
META PLATFORMS INC CL A	Stock	30303M102	349	2,687	SH		SOLE		0	0	2,687
MICROSOFT CORP COM	Stock	594918104	717	2,964	SH		SOLE		0	0	2,964
NVIDIA CORPORATION COM	Stock	67066G104	369	2,965	SH		SOLE		0	0	2,965
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	92	11,100	SH		SOLE		0	0	11,100
PEPSICO INC COM	Stock	713448108	215	1,243	SH		SOLE		0	0	1,243
PFIZER INC COM	Stock	717081103	316	7,039	SH		SOLE		0	0	7,039
PHILIP MORRIS INTL INC COM	Stock	718172109	263	3,047	SH		SOLE		0	0	3,047
POLARITYTE INC COM NEW	Stock	731094207	7	11,200	SH		SOLE		0	0	11,200
PROGRESSIVE CORP COM	Stock	743315103	224	1,831	SH		SOLE		0	0	1,831
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	642	10,392	SH		SOLE		0	0	10,392
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	721	15,613	SH		SOLE		0	0	15,613
SPDR S&P 500 ETF TRUST	ETF	78462F103	272	728	SH		SOLE		0	0	728
TERRAN ORBITAL CORPORATION COM	Stock	88105P103	55	21,100	SH		SOLE		0	0	21,100
TESLA INC COM	Stock	88160R101	2,151	10,032	SH		SOLE		0	0	10,032
UNITEDHEALTH GROUP INC COM	Stock	91324P102	375	703	SH		SOLE		0	0	703
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	361	13,756	SH		SOLE		0	0	13,756
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	4,986	49,181	SH		SOLE		0	0	49,181
VANGUARD LARGE-CAP ETF	ETF	922908637	369	2,160	SH		SOLE		0	0	2,160
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	21,706	120,740	SH		SOLE		0	0	120,740
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	19,961	207,781	SH		SOLE		0	0	207,781
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	476	2,750	SH		SOLE		0	0	2,750
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	6,549	116,792	SH		SOLE		0	0	116,792
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	9,946	158,281	SH		SOLE		0	0	158,281
VANGUARD S&P 500 ETF	ETF	922908363	748	2,175	SH		SOLE		0	0	2,175
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	942	5,026	SH		SOLE		0	0	5,026
VANGUARD VALUE ETF	ETF	922908744	355	2,710	SH		SOLE		0	0	2,710
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	433	12,271	SH		SOLE		0	0	12,271
WALMART INC COM	Stock	931142103	295	2,161	SH		SOLE		0	0	2,161
WELLS FARGO CO NEW COM	Stock	949746101	270	6,027	SH		SOLE		0	0	6,027
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	230	7,692	SH		SOLE		0	0	7,692
WRAP TECHNOLOGIES INC COM	Stock	98212N107	17	14,398	SH		SOLE		0	0	14,398
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	20	30,469	SH		SOLE		0	0	30,469