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	260,831	2,392	SH		SOLE		0	0	2,392
ABBVIE INC COM	Stock	00287Y109	238,546	1,770	SH		SOLE		0	0	1,770
ALPHABET INC CAP STK CL C	Stock	02079K107	823,563	6,808	SH		SOLE		0	0	6,808
AMAZON COM INC COM	Stock	023135106	2,035,310	15,613	SH		SOLE		0	0	15,613
APPLE INC COM	Stock	037833100	7,173,033	36,980	SH		SOLE		0	0	36,980
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	308,947	1,405	SH		SOLE		0	0	1,405
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	362,824	1,064	SH		SOLE		0	0	1,064
BITFARMS LTD COM	Stock	09173B107	18,817	12,801	SH		SOLE		0	0	12,801
BLACKSTONE INC COM	Stock	09260D107	324,483	3,490	SH		SOLE		0	0	3,490
CAPITAL GROUP CORE PLUS INCOME ETF	ETF	14020Y102	11,223,772	504,212	SH		SOLE		0	0	504,212
CHEVRON CORP NEW COM	Stock	166764100	599,458	3,809	SH		SOLE		0	0	3,809
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	608,804	8,208	SH		SOLE		0	0	8,208
DISNEY WALT CO COM	Stock	254687106	222,604	2,493	SH		SOLE		0	0	2,493
ESSENTIAL UTILS INC COM	Stock	29670G102	833,935	20,895	SH		SOLE		0	0	20,895
EXXON MOBIL CORP COM	Stock	30231G102	655,491	6,111	SH		SOLE		0	0	6,111
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	4,474,937	59,602	SH		SOLE		0	0	59,602
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,774,869	35,021	SH		SOLE		0	0	35,021
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	637,911	15,911	SH		SOLE		0	0	15,911
HARTFORD MUNICIPAL OPPORTUNITIES ETF	ETF	41653L503	2,553,940	67,138	SH		SOLE		0	0	67,138
HOME DEPOT INC COM	Stock	437076102	217,137	699	SH		SOLE		0	0	699
ICON PLC SHS	Stock	G4705A100	201,411	805	SH		SOLE		0	0	805
INTUIT COM	Stock	461202103	328,980	718	SH		SOLE		0	0	718
INVESCO QQQ TRUST SERIES I	ETF	46090E103	9,618,092	26,035	SH		SOLE		0	0	26,035
IQ MACKAY MUNICIPAL INTERMEDIATE ETF	ETF	45409F827	1,744,200	71,601	SH		SOLE		0	0	71,601
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	4,708,228	93,845	SH		SOLE		0	0	93,845
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	9,536,569	94,618	SH		SOLE		0	0	94,618
ISHARES CORE S&P 500 ETF	ETF	464287200	17,486,381	39,232	SH		SOLE		0	0	39,232
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	280,934	1,074	SH		SOLE		0	0	1,074
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	223,530	2,243	SH		SOLE		0	0	2,243
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	2,133,668	21,807	SH		SOLE		0	0	21,807
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	809,753	17,808	SH		SOLE		0	0	17,808
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	818,444	8,355	SH		SOLE		0	0	8,355
ISHARES GLOBAL TECH ETF	ETF	464287291	3,110,909	50,022	SH		SOLE		0	0	50,022
ISHARES MBS ETF	ETF	464288588	3,530,879	37,858	SH		SOLE		0	0	37,858
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,311,947	31,103	SH		SOLE		0	0	31,103
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	558,775	3,873	SH		SOLE		0	0	3,873
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	877,346	6,505	SH		SOLE		0	0	6,505
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,156,268	10,833	SH		SOLE		0	0	10,833
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	363,388	4,975	SH		SOLE		0	0	4,975
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,797,874	25,509	SH		SOLE		0	0	25,509
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,504,869	9,336	SH		SOLE		0	0	9,336
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	584,752	5,620	SH		SOLE		0	0	5,620
ISHARES U.S. ENERGY ETF	ETF	464287796	484,602	11,311	SH		SOLE		0	0	11,311
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	554,313	9,817	SH		SOLE		0	0	9,817
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	7,425,529	324,258	SH		SOLE		0	0	324,258
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	10,929,165	225,949	SH		SOLE		0	0	225,949
JOHNSON & JOHNSON COM	Stock	478160104	994,965	6,011	SH		SOLE		0	0	6,011
JPMORGAN CHASE & CO COM	Stock	46625H100	233,369	1,604	SH		SOLE		0	0	1,604
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	19,644,595	355,044	SH		SOLE		0	0	355,044
JPMORGAN INCOME ETF	ETF	46641Q159	4,260,725	94,263	SH		SOLE		0	0	94,263
LOOP MEDIA INC COM NEW	Stock	54352F206	62,911	26,323	SH		SOLE		0	0	26,323
MCDONALDS CORP COM	Stock	580135101	558,780	1,872	SH		SOLE		0	0	1,872
MERCK & CO INC COM	Stock	58933Y105	1,939,405	16,807	SH		SOLE		0	0	16,807
META PLATFORMS INC CL A	Stock	30303M102	667,228	2,325	SH		SOLE		0	0	2,325
MICROSOFT CORP COM	Stock	594918104	858,833	2,521	SH		SOLE		0	0	2,521
NVIDIA CORPORATION COM	Stock	67066G104	201,511	476	SH		SOLE		0	0	476
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	170,163	11,100	SH		SOLE		0	0	11,100
PEPSICO INC COM	Stock	713448108	229,709	1,240	SH		SOLE		0	0	1,240
PFIZER INC COM	Stock	717081103	267,436	7,291	SH		SOLE		0	0	7,291
PHILIP MORRIS INTL INC COM	Stock	718172109	296,710	3,039	SH		SOLE		0	0	3,039
PROGRESSIVE CORP COM	Stock	743315103	242,775	1,834	SH		SOLE		0	0	1,834
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	697,366	10,394	SH		SOLE		0	0	10,394
SPDR GOLD SHARES	ETF	78463V107	200,375	1,124	SH		SOLE		0	0	1,124
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	801,901	14,730	SH		SOLE		0	0	14,730
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	3,605,426	50,319	SH		SOLE		0	0	50,319
SPDR S&P 500 ETF TRUST	ETF	78462F103	318,718	719	SH		SOLE		0	0	719
SPDR S&P DIVIDEND ETF	ETF	78464A763	232,411	1,896	SH		SOLE		0	0	1,896
TERRAN ORBITAL CORPORATION COM	Stock	88105P103	171,853	114,569	SH		SOLE		0	0	114,569
TESLA INC COM	Stock	88160R101	2,263,263	8,646	SH		SOLE		0	0	8,646
UNITEDHEALTH GROUP INC COM	Stock	91324P102	364,512	758	SH		SOLE		0	0	758
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	199,777	11,049	SH		SOLE		0	0	11,049
VANGUARD FINANCIALS ETF	ETF	92204A405	223,166	2,747	SH		SOLE		0	0	2,747
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	210,396	4,556	SH		SOLE		0	0	4,556
VANGUARD GROWTH ETF	ETF	922908736	225,519	797	SH		SOLE		0	0	797
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	6,512,903	61,401	SH		SOLE		0	0	61,401
VANGUARD INTERMEDIATE-TERM BOND ETF	ETF	921937819	1,628,163	21,642	SH		SOLE		0	0	21,642
VANGUARD LARGE-CAP ETF	ETF	922908637	437,875	2,160	SH		SOLE		0	0	2,160
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	28,244,579	120,026	SH		SOLE		0	0	120,026
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	23,054,176	222,187	SH		SOLE		0	0	222,187
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	565,867	2,750	SH		SOLE		0	0	2,750
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	12,374,141	174,874	SH		SOLE		0	0	174,874
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	13,275,162	191,809	SH		SOLE		0	0	191,809
VANGUARD S&P 500 ETF	ETF	922908363	760,530	1,867	SH		SOLE		0	0	1,867
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	865,558	3,929	SH		SOLE		0	0	3,929
VANGUARD VALUE ETF	ETF	922908744	877,304	6,173	SH		SOLE		0	0	6,173
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	381,031	10,245	SH		SOLE		0	0	10,245
WALMART INC COM	Stock	931142103	338,149	2,151	SH		SOLE		0	0	2,151
WELLS FARGO CO NEW COM	Stock	949746101	257,263	6,027	SH		SOLE		0	0	6,027
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	257,758	7,692	SH		SOLE		0	0	7,692
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	2,548,151	50,638	SH		SOLE		0	0	50,638
WRAP TECHNOLOGIES INC COM	Stock	98212N107	21,022	14,399	SH		SOLE		0	0	14,399
ZYNERBA PHARMACEUTICALS INC COM	Stock	98986X109	25,616	78,578	SH		SOLE		0	0	78,578