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	263,552	2,400	SH		SOLE		0	0	2,400
ABBVIE INC COM	Stock	00287Y109	286,139	1,770	SH		SOLE		0	0	1,770
ALPHABET INC CAP STK CL C	Stock	02079K107	597,064	6,729	SH		SOLE		0	0	6,729
AMAZON COM INC COM	Stock	023135106	1,413,468	16,827	SH		SOLE		0	0	16,827
APPLE INC COM	Stock	037833100	5,100,238	39,253	SH		SOLE		0	0	39,253
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	332,409	1,391	SH		SOLE		0	0	1,391
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	339,790	1,100	SH		SOLE		0	0	1,100
BITFARMS LTD COM	Stock	09173B107	5,632	12,801	SH		SOLE		0	0	12,801
BLACKSTONE INC COM	Stock	09260D107	278,311	3,751	SH		SOLE		0	0	3,751
CHEVRON CORP NEW COM	Stock	166764100	683,939	3,810	SH		SOLE		0	0	3,810
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	7,222,176	96,876	SH		SOLE		0	0	96,876
DISNEY WALT CO COM	Stock	254687106	215,056	2,475	SH		SOLE		0	0	2,475
ESSENTIAL UTILS INC COM	Stock	29670G102	997,337	20,895	SH		SOLE		0	0	20,895
EXXON MOBIL CORP COM	Stock	30231G102	663,738	6,017	SH		SOLE		0	0	6,017
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	412,135	12,050	SH		SOLE		0	0	12,050
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	4,028,359	53,747	SH		SOLE		0	0	53,747
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,521,105	30,355	SH		SOLE		0	0	30,355
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	634,698	15,903	SH		SOLE		0	0	15,903
HARTFORD MUNICIPAL OPPORTUNITIES ETF	ETF	41653L503	1,992,849	53,057	SH		SOLE		0	0	53,057
HOME DEPOT INC COM	Stock	437076102	223,273	706	SH		SOLE		0	0	706
INTUIT COM	Stock	461202103	279,459	718	SH		SOLE		0	0	718
INVESCO QQQ TRUST	ETF	46090E103	7,414,765	27,845	SH		SOLE		0	0	27,845
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	204,855	1,450	SH		SOLE		0	0	1,450
IQ MACKAY MUNICIPAL INTERMEDIATE ETF	ETF	45409F827	1,496,446	62,016	SH		SOLE		0	0	62,016
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	3,862,700	77,533	SH		SOLE		0	0	77,533
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	9,297,208	89,190	SH		SOLE		0	0	89,190
ISHARES CORE S&P 500 ETF	ETF	464287200	15,120,774	39,355	SH		SOLE		0	0	39,355
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	309,232	1,278	SH		SOLE		0	0	1,278
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	234,292	2,475	SH		SOLE		0	0	2,475
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,862,639	21,965	SH		SOLE		0	0	21,965
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	8,783,885	195,501	SH		SOLE		0	0	195,501
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	850,667	8,770	SH		SOLE		0	0	8,770
ISHARES GLOBAL TECH ETF	ETF	464287291	2,298,490	51,271	SH		SOLE		0	0	51,271
ISHARES MBS ETF	ETF	464288588	3,255,924	35,104	SH		SOLE		0	0	35,104
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,319,147	32,165	SH		SOLE		0	0	32,165
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	616,579	4,225	SH		SOLE		0	0	4,225
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	744,540	6,533	SH		SOLE		0	0	6,533
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,057,531	10,022	SH		SOLE		0	0	10,022
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	360,134	5,339	SH		SOLE		0	0	5,339
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,250,730	21,380	SH		SOLE		0	0	21,380
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,354,373	9,336	SH		SOLE		0	0	9,336
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	453,448	4,348	SH		SOLE		0	0	4,348
ISHARES U.S. ENERGY ETF	ETF	464287796	746,391	16,054	SH		SOLE		0	0	16,054
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	2,063,159	56,899	SH		SOLE		0	0	56,899
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	605,168	11,511	SH		SOLE		0	0	11,511
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	6,524,128	287,153	SH		SOLE		0	0	287,153
JOHNSON & JOHNSON COM	Stock	478160104	1,075,118	6,086	SH		SOLE		0	0	6,086
JPMORGAN CHASE & CO COM	Stock	46625H100	230,402	1,718	SH		SOLE		0	0	1,718
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	16,859,501	309,405	SH		SOLE		0	0	309,405
JPMORGAN INCOME ETF	ETF	46641Q159	3,571,347	79,152	SH		SOLE		0	0	79,152
LOOP MEDIA INC COM NEW	Stock	54352F206	190,861	28,831	SH		SOLE		0	0	28,831
MCDONALDS CORP COM	Stock	580135101	492,818	1,870	SH		SOLE		0	0	1,870
MERCK & CO INC COM	Stock	58933Y105	2,121,551	19,121	SH		SOLE		0	0	19,121
META PLATFORMS INC CL A	Stock	30303M102	291,824	2,425	SH		SOLE		0	0	2,425
MICROSOFT CORP COM	Stock	594918104	623,314	2,599	SH		SOLE		0	0	2,599
NVIDIA CORPORATION COM	Stock	67066G104	355,019	2,429	SH		SOLE		0	0	2,429
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	71,262	11,100	SH		SOLE		0	0	11,100
PEPSICO INC COM	Stock	713448108	224,595	1,243	SH		SOLE		0	0	1,243
PFIZER INC COM	Stock	717081103	363,876	7,101	SH		SOLE		0	0	7,101
PHILIP MORRIS INTL INC COM	Stock	718172109	308,481	3,047	SH		SOLE		0	0	3,047
POLARITYTE INC COM NEW	Stock	731094207	14,674	22,400	SH		SOLE		0	0	22,400
PROGRESSIVE CORP COM	Stock	743315103	237,545	1,831	SH		SOLE		0	0	1,831
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	686,079	10,392	SH		SOLE		0	0	10,392
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	719,753	15,220	SH		SOLE		0	0	15,220
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	2,810,941	43,020	SH		SOLE		0	0	43,020
SPDR S&P 500 ETF TRUST	ETF	78462F103	273,819	716	SH		SOLE		0	0	716
TERRAN ORBITAL CORPORATION COM	Stock	88105P103	142,805	90,383	SH		SOLE		0	0	90,383
TESLA INC COM	Stock	88160R101	1,176,245	9,549	SH		SOLE		0	0	9,549
UNITEDHEALTH GROUP INC COM	Stock	91324P102	400,120	754	SH		SOLE		0	0	754
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	359,769	13,768	SH		SOLE		0	0	13,768
VANGUARD FINANCIALS ETF	ETF	92204A405	227,259	2,747	SH		SOLE		0	0	2,747
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	6,000,245	55,450	SH		SOLE		0	0	55,450
VANGUARD INTERMEDIATE-TERM BOND ETF	ETF	921937819	1,432,387	19,273	SH		SOLE		0	0	19,273
VANGUARD LARGE-CAP ETF	ETF	922908637	376,272	2,160	SH		SOLE		0	0	2,160
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	21,256,182	123,532	SH		SOLE		0	0	123,532
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	22,066,416	214,549	SH		SOLE		0	0	214,549
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	494,340	2,750	SH		SOLE		0	0	2,750
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	9,652,695	175,121	SH		SOLE		0	0	175,121
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	11,459,200	172,111	SH		SOLE		0	0	172,111
VANGUARD S&P 500 ETF	ETF	922908363	774,121	2,203	SH		SOLE		0	0	2,203
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	750,344	3,924	SH		SOLE		0	0	3,924
VANGUARD VALUE ETF	ETF	922908744	551,822	3,931	SH		SOLE		0	0	3,931
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	395,894	10,048	SH		SOLE		0	0	10,048
WALMART INC COM	Stock	931142103	306,458	2,161	SH		SOLE		0	0	2,161
WELLS FARGO CO NEW COM	Stock	949746101	248,884	6,027	SH		SOLE		0	0	6,027
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	238,452	7,692	SH		SOLE		0	0	7,692
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	2,187,090	43,506	SH		SOLE		0	0	43,506
WISDOMTREE U.S. HIGH YIELD CORPORATE BOND FUND	ETF	97717X172	1,254,902	28,565	SH		SOLE		0	0	28,565
WRAP TECHNOLOGIES INC COM	Stock	98212N107	24,332	14,398	SH		SOLE		0	0	14,398
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	20,446	38,578	SH		SOLE		0	0	38,578