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	2,058,454	16,193	SH		SOLE	0	16,193	0	0
INVESCO QQQ TRUST SERIES I	ETF	46090E103	9,569,358	26,710	SH		SOLE	0	26,709	0	0
JOHNSON & JOHNSON COM	Stock	478160104	928,998	5,965	SH		SOLE	0	5,964	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	826,648	3,892	SH		SOLE	0	3,891	0	0
WISDOMTREE FLOATING RATE TREASURY FUND	ETF	97717Y527	2,727,570	54,204	SH		SOLE	0	54,204	0	0
ISHARES GLOBAL TECH ETF	ETF	464287291	2,744,431	47,449	SH		SOLE	0	47,448	0	0
ISHARES U.S. ENERGY ETF	ETF	464287796	509,548	10,743	SH		SOLE	0	10,743	0	0
MERCK & CO INC COM	Stock	58933Y105	1,731,700	16,821	SH		SOLE	0	16,820	0	0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	713,856	6,940	SH		SOLE	0	6,940	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	374,045	875	SH		SOLE	0	875	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	336,255	10,375	SH		SOLE	0	10,375	0	0
PEPSICO INC COM	Stock	713448108	210,139	1,240	SH		SOLE	0	1,240	0	0
HOME DEPOT INC COM	Stock	437076102	211,210	699	SH		SOLE	0	699	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	332,156	1,381	SH		SOLE	0	1,380	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	447,875	6,509	SH		SOLE	0	6,508	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	229,425	2,432	SH		SOLE	0	2,432	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	372,719	1,064	SH		SOLE	0	1,064	0	0
WEYERHAEUSER CO MTN BE COM NEW	REIT	962166104	237,983	7,762	SH		SOLE	0	7,762	0	0
PROGRESSIVE CORP COM	Stock	743315103	255,699	1,836	SH		SOLE	0	1,835	0	0
INTUIT COM	Stock	461202103	366,855	718	SH		SOLE	0	718	0	0
MICROSOFT CORP COM	Stock	594918104	804,966	2,549	SH		SOLE	0	2,549	0	0
WRAP TECHNOLOGIES INC COM	Stock	98212N107	23,843	15,895	SH		SOLE	0	15,895	0	0
HARTFORD MUNICIPAL OPPORTUNITIES ETF	ETF	41653L503	2,966,403	80,590	SH		SOLE	0	80,590	0	0
VANGUARD LARGE-CAP ETF	ETF	922908637	422,690	2,160	SH		SOLE	0	2,160	0	0
TESLA INC COM	Stock	88160R101	2,191,927	8,760	SH		SOLE	0	8,760	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	659,909	10,237	SH		SOLE	0	10,237	0	0
VANGUARD S&P 500 ETF	ETF	922908363	725,450	1,847	SH		SOLE	0	1,847	0	0
BITFARMS LTD COM	Stock	09173B107	13,697	12,801	SH		SOLE	0	12,801	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	247,454	1,746	SH		SOLE	0	1,746	0	0
IQ MACKAY MUNICIPAL INTERMEDIATE ETF	ETF	45409F827	2,205,161	93,837	SH		SOLE	0	93,836	0	0
SPDR S&P 400 MID CAP GROWTH ETF	ETF	78464A821	3,535,972	51,142	SH		SOLE	0	51,142	0	0
SMILEDIRECTCLUB INC CL A COM	Stock	83192H106	5,188	12,500	SH		SOLE	0	12,500	0	0
VANGUARD RUSSELL 1000 GROWTH ETF	ETF	92206C680	12,115,588	177,025	SH		SOLE	0	177,024	0	0
VANGUARD RUSSELL 1000 VALUE ETF	ETF	92206C714	13,309,095	199,656	SH		SOLE	0	199,656	0	0
ISHARES CORE HIGH DIVIDEND ETF	ETF	46429B663	9,668,979	97,775	SH		SOLE	0	97,775	0	0
JPMORGAN EQUITY PREMIUM INCOME ETF	ETF	46641Q332	19,955,683	372,586	SH		SOLE	0	372,585	0	0
PALANTIR TECHNOLOGIES INC CL A	Stock	69608A108	185,168	11,573	SH		SOLE	0	11,573	0	0
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	535,618	2,750	SH		SOLE	0	2,750	0	0
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	2,243,478	30,996	SH		SOLE	0	30,995	0	0
VANGUARD VALUE ETF	ETF	922908744	1,089,847	7,901	SH		SOLE	0	7,901	0	0
VANGUARD GROWTH ETF	ETF	922908736	272,038	999	SH		SOLE	0	999	0	0
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	7,451,225	338,077	SH		SOLE	0	338,077	0	0
JPMORGAN INCOME ETF	ETF	46641Q159	4,481,735	100,940	SH		SOLE	0	100,939	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	2,025,085	21,500	SH		SOLE	0	21,500	0	0
FIRST TRUST CAPITAL STRENGTH ETF	ETF	33733E104	4,786,838	65,012	SH		SOLE	0	65,012	0	0
META PLATFORMS INC CL A	Stock	30303M102	718,102	2,392	SH		SOLE	0	2,392	0	0
CAPITAL GROUP CORE PLUS INCOME ETF	ETF	14020Y102	12,449,850	579,063	SH		SOLE	0	579,062	0	0
TERRAN ORBITAL CORPORATION COM	Stock	88105P103	127,956	153,719	SH		SOLE	0	153,719	0	0
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF	ETF	46654Q203	11,302,667	240,841	SH		SOLE	0	240,840	0	0
LOOP MEDIA INC COM NEW	Stock	54352F206	24,046	48,383	SH		SOLE	0	48,383	0	0
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	475,000	9,794	SH		SOLE	0	9,793	0	0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	4,884,718	98,028	SH		SOLE	0	98,027	0	0
ABBVIE INC COM	Stock	00287Y109	266,368	1,787	SH		SOLE	0	1,786	0	0
BLACKSTONE INC COM	Stock	09260D107	397,901	3,714	SH		SOLE	0	3,713	0	0
MCDONALDS CORP COM	Stock	580135101	493,628	1,874	SH		SOLE	0	1,873	0	0
ISHARES RUSSELL MIDCAP ETF	ETF	464287499	321,173	4,638	SH		SOLE	0	4,637	0	0
VANGUARD INTERMEDIATE-TERM BOND ETF	ETF	921937819	3,914,493	54,135	SH		SOLE	0	54,134	0	0
VANGUARD FINANCIALS ETF	ETF	92204A405	220,639	2,747	SH		SOLE	0	2,747	0	0
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	923,206	7,005	SH		SOLE	0	7,005	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	538,216	3,853	SH		SOLE	0	3,852	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,436,250	9,336	SH		SOLE	0	9,336	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	1,692,916	24,743	SH		SOLE	0	24,743	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	17,063,020	39,734	SH		SOLE	0	39,734	0	0
ISHARES MBS ETF	ETF	464288588	3,524,293	39,688	SH		SOLE	0	39,687	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	325,494	2,244	SH		SOLE	0	2,244	0	0
CHEVRON CORP NEW COM	Stock	166764100	649,994	3,855	SH		SOLE	0	3,854	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	1,178,239	11,491	SH		SOLE	0	11,490	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	231,515	2,013	SH		SOLE	0	2,013	0	0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	773,178	14,730	SH		SOLE	0	14,730	0	0
WALMART INC COM	Stock	931142103	344,066	2,151	SH		SOLE	0	2,151	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	6,728,364	65,122	SH		SOLE	0	65,121	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	1,039,242	7,882	SH		SOLE	0	7,882	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	811,551	8,630	SH		SOLE	0	8,629	0	0
ESSENTIAL UTILS INC COM	Stock	29670G102	707,006	20,594	SH		SOLE	0	20,594	0	0
UNIVEST FINANCIAL CORPORATION COM	Stock	915271100	175,278	10,085	SH		SOLE	0	10,085	0	0
PHILIP MORRIS INTL INC COM	Stock	718172109	282,121	3,047	SH		SOLE	0	3,047	0	0
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	27,766,862	122,375	SH		SOLE	0	122,374	0	0
FIRST TRUST MANAGED MUNICIPAL ETF	ETF	33739N108	1,987,398	40,659	SH		SOLE	0	40,658	0	0
EXXON MOBIL CORP COM	Stock	30231G102	632,290	5,378	SH		SOLE	0	5,377	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	382,561	759	SH		SOLE	0	758	0	0
VANGUARD MEGA CAP VALUE ETF	ETF	921910840	23,403,082	230,800	SH		SOLE	0	230,799	0	0
FIRST TRUST VALUE LINE DIVIDEND INDEX FUND	ETF	33734H106	595,088	15,916	SH		SOLE	0	15,915	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	292,837	1,174	SH		SOLE	0	1,174	0	0
APPLE INC COM	Stock	037833100	6,365,927	37,182	SH		SOLE	0	37,181	0	0
ABBOTT LABS COM	Stock	002824100	232,102	2,397	SH		SOLE	0	2,396	0	0
DISNEY WALT CO COM	Stock	254687106	225,790	2,786	SH		SOLE	0	2,785	0	0