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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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
AMAZON COM INC COM	Stock	023135106	1,702,942	16,487	SH		SOLE		0	0	16,487
INVESCO QQQ TRUST	ETF	46090E103	9,079,784	28,292	SH		SOLE		0	0	28,292
JOHNSON & JOHNSON COM	Stock	478160104	949,863	6,128	SH		SOLE		0	0	6,128
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	801,824	3,928	SH		SOLE		0	0	3,928
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	2,310,848	45,968	SH		SOLE		0	0	45,968
ISHARES GLOBAL TECH ETF	ETF	464287291	2,757,945	50,734	SH		SOLE		0	0	50,734
ISHARES U.S. ENERGY ETF	ETF	464287796	521,797	11,926	SH		SOLE		0	0	11,926
MERCK & CO INC COM	Stock	58933Y105	1,891,891	17,782	SH		SOLE		0	0	17,782
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	464,368	4,436	SH		SOLE		0	0	4,436
SPDR S&P 500 ETF TRUST	ETF	78462F103	293,532	717	SH		SOLE		0	0	717
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	401,056	10,312	SH		SOLE		0	0	10,312
PEPSICO INC COM	Stock	713448108	226,634	1,243	SH		SOLE		0	0	1,243
POLARITYTE INC COM NEW	Stock	731094207	11,289	22,400	SH		SOLE		0	0	22,400
HOME DEPOT INC COM	Stock	437076102	211,601	717	SH		SOLE		0	0	717
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	319,840	1,436	SH		SOLE		0	0	1,436
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	716,819	9,594	SH		SOLE		0	0	9,594
WISDOMTREE U.S. HIGH YIELD CORPORATE BOND FUND	ETF	97717X172	1,340,021	29,951	SH		SOLE		0	0	29,951
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	221,382	2,289	SH		SOLE		0	0	2,289
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	339,647	1,100	SH		SOLE		0	0	1,100
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	231,759	7,692	SH		SOLE		0	0	7,692
PROGRESSIVE CORP COM	Stock	743315103	262,191	1,832	SH		SOLE		0	0	1,832
INTUIT COM	Stock	461202103	320,105	718	SH		SOLE		0	0	718
MICROSOFT CORP COM	Stock	594918104	754,357	2,616	SH		SOLE		0	0	2,616
WRAP TECHNOLOGIES INC COM	Stock	98212N107	24,766	14,399	SH		SOLE		0	0	14,399
HARTFORD MUNICIPAL OPPORTUNITIES ETF	ETF	41653L503	2,082,074	54,497	SH		SOLE		0	0	54,497
VANGUARD LARGE-CAP ETF	ETF	922908637	403,509	2,160	SH		SOLE		0	0	2,160
TESLA INC COM	Stock	88160R101	2,004,685	9,663	SH		SOLE		0	0	9,663
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	204,136	6,349	SH		SOLE		0	0	6,349
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	681,670	10,394	SH		SOLE		0	0	10,394
VANGUARD S&P 500 ETF	ETF	922908363	694,729	1,847	SH		SOLE		0	0	1,847
BITFARMS LTD COM	Stock	09173B107	12,416	12,801	SH		SOLE		0	0	12,801
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	214,233	1,481	SH		SOLE		0	0	1,481
IQ MACKAY MUNICIPAL INTERMEDIATE ETF	ETF	45409F827	1,525,187	62,024	SH		SOLE		0	0	62,024
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	3,332,931	48,698	SH		SOLE		0	0	48,698
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	11,373,864	180,853	SH		SOLE		0	0	180,853
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	12,450,663	186,359	SH		SOLE		0	0	186,359
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	9,365,694	92,127	SH		SOLE		0	0	92,127
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	18,427,887	337,507	SH		SOLE		0	0	337,507
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	93,795	11,100	SH		SOLE		0	0	11,100
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	535,947	2,750	SH		SOLE		0	0	2,750
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,325,009	31,963	SH		SOLE		0	0	31,963
VANGUARD VALUE ETF	ETF	922908744	626,614	4,537	SH		SOLE		0	0	4,537
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	6,720,800	287,459	SH		SOLE		0	0	287,459
JPMORGAN INCOME ETF	ETF	46641Q159	3,805,161	83,127	SH		SOLE		0	0	83,127
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	1,985,383	21,925	SH		SOLE		0	0	21,925
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	4,016,740	55,069	SH		SOLE		0	0	55,069
META PLATFORMS INC CL A	Stock	30303M102	513,954	2,425	SH		SOLE		0	0	2,425
TERRAN ORBITAL CORPORATION COM	Stock	88105P103	188,726	102,569	SH		SOLE		0	0	102,569
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	9,715,235	215,463	SH		SOLE		0	0	215,463
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	578,758	10,721	SH		SOLE		0	0	10,721
NVIDIA CORPORATION COM	Stock	67066G104	518,975	1,868	SH		SOLE		0	0	1,868
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	4,034,203	79,822	SH		SOLE		0	0	79,822
ABBVIE INC COM	Stock	00287Y109	291,310	1,827	SH		SOLE		0	0	1,827
BLACKSTONE INC COM	Stock	09260D107	330,946	3,767	SH		SOLE		0	0	3,767
MCDONALDS CORP COM	Stock	580135101	531,357	1,900	SH		SOLE		0	0	1,900
CISCO SYS INC COM	Stock	17275R102	216,626	4,143	SH		SOLE		0	0	4,143
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	376,476	5,384	SH		SOLE		0	0	5,384
VANGUARD INTERMEDIATE-TERM BOND ETF	ETF	921937819	1,567,658	20,428	SH		SOLE		0	0	20,428
VANGUARD FINANCIALS ETF	ETF	92204A405	213,963	2,747	SH		SOLE		0	0	2,747
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	810,671	6,534	SH		SOLE		0	0	6,534
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	587,601	4,226	SH		SOLE		0	0	4,226
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,416,831	9,336	SH		SOLE		0	0	9,336
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,629,770	25,509	SH		SOLE		0	0	25,509
ISHARES CORE S&P 500 ETF	ETF	464287200	16,618,785	40,427	SH		SOLE		0	0	40,427
WELLS FARGO CO NEW COM	Stock	949746101	225,316	6,027	SH		SOLE		0	0	6,027
ISHARES MBS ETF	ETF	464288588	3,341,307	35,271	SH		SOLE		0	0	35,271
JPMORGAN CHASE & CO COM	Stock	46625H100	211,929	1,626	SH		SOLE		0	0	1,626
CHEVRON CORP NEW COM	Stock	166764100	615,861	3,774	SH		SOLE		0	0	3,774
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,174,333	10,899	SH		SOLE		0	0	10,899
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	205,794	4,556	SH		SOLE		0	0	4,556
SPDR S&P DIVIDEND ETF	ETF	78464A763	234,554	1,896	SH		SOLE		0	0	1,896
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	767,544	15,220	SH		SOLE		0	0	15,220
WALMART INC COM	Stock	931142103	317,217	2,151	SH		SOLE		0	0	2,151
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	6,185,163	58,627	SH		SOLE		0	0	58,627
PFIZER INC COM	Stock	717081103	294,010	7,206	SH		SOLE		0	0	7,206
ALPHABET INC CAP STK CL C	Stock	02079K107	695,552	6,688	SH		SOLE		0	0	6,688
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	854,817	8,579	SH		SOLE		0	0	8,579
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	9,113,928	197,484	SH		SOLE		0	0	197,484
ESSENTIAL UTILS INC COM	Stock	29670G102	912,084	20,895	SH		SOLE		0	0	20,895
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	327,155	13,780	SH		SOLE		0	0	13,780
PHILIP MORRIS INTL INC COM	Stock	718172109	295,213	3,035	SH		SOLE		0	0	3,035
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	25,633,351	125,340	SH		SOLE		0	0	125,340
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,563,152	30,688	SH		SOLE		0	0	30,688
EXXON MOBIL CORP COM	Stock	30231G102	669,877	6,108	SH		SOLE		0	0	6,108
UNITEDHEALTH GROUP INC COM	Stock	91324P102	358,229	758	SH		SOLE		0	0	758
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	22,018,329	217,960	SH		SOLE		0	0	217,960
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	638,909	15,909	SH		SOLE		0	0	15,909
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	307,547	1,229	SH		SOLE		0	0	1,229
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	16,588	38,578	SH		SOLE		0	0	38,578
APPLE INC COM	Stock	037833100	6,307,554	38,250	SH		SOLE		0	0	38,250
ABBOTT LABS COM	Stock	002824100	243,076	2,400	SH		SOLE		0	0	2,400
DISNEY WALT CO COM	Stock	254687106	247,854	2,475	SH		SOLE		0	0	2,475