# EDGAR Filing Document

**Accession Number:** 0001633288
**File Stem:** 0001633288-25-000003
**Filing Date:** 2025-8
**Character Count:** 12649
**Document Hash:** 7204136f4a970f320760a06fb75206b4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001633288-25-000003.hdr.sgml**: 20250805

**ACCESSION NUMBER**: 0001633288-25-000003

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250805

**DATE AS OF CHANGE**: 20250805

**EFFECTIVENESS DATE**: 20250805

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Towercrest Capital Management
- **CENTRAL INDEX KEY:** 0001633288

**ORGANIZATION NAME:**
- **EIN:** 270451540
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16569
- **FILM NUMBER:** 251184605

**BUSINESS ADDRESS:**
- **STREET 1:** 41 UNIVERSITY DRIVE
- **STREET 2:** SUITE 400
- **CITY:** NEWTOWN
- **STATE:** PA
- **ZIP:** 18940
- **BUSINESS PHONE:** 2158092000

**MAIL ADDRESS:**
- **STREET 1:** 41 UNIVERSITY DRIVE
- **STREET 2:** SUITE 400
- **CITY:** NEWTOWN
- **STATE:** PA
- **ZIP:** 18940

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Towercrest Capital Management<br>**Address:** 41 UNIVERSITY DRIVE<br>SUITE 400<br>NEWTOWN, PA 18940

**Form 13F File Number:** 028-16569

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Curtis Snyder<br>**Title:** Managing Member<br>**Phone:** 215-809-2001

**Signature, Place, and Date of Signing:**

Curtis Snyder  Newtown, PA  08-05-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 89

**Form 13F Information Table Value Total:** $560234595

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 55737771 | 2280596 | SH |  | SOLE |  | 0 | 0 | 2280596 |
| ISHARES TR | CORE S ETF | 464287200 |  | 54209561 | 87231 | SH |  | SOLE |  | 0 | 0 | 87231 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 30614948 | 308652 | SH |  | SOLE |  | 0 | 0 | 308652 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 26781436 | 332071 | SH |  | SOLE |  | 0 | 0 | 332071 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 25752955 | 504762 | SH |  | SOLE |  | 0 | 0 | 504762 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 23889156 | 1027933 | SH |  | SOLE |  | 0 | 0 | 1027933 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 21426907 | 256688 | SH |  | SOLE |  | 0 | 0 | 256688 |
| SPDR SER TR | BLOMBERG BRC INV | 78468R200 |  | 19769565 | 641244 | SH |  | SOLE |  | 0 | 0 | 641244 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 18985143 | 859056 | SH |  | SOLE |  | 0 | 0 | 859056 |
| ISHARES TR | CORE MSCI EMKT | 46434G103 |  | 17963183 | 299232 | SH |  | SOLE |  | 0 | 0 | 299232 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 17601551 | 190040 | SH |  | SOLE |  | 0 | 0 | 190040 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 15721871 | 521628 | SH |  | SOLE |  | 0 | 0 | 521628 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 15195783 | 138636 | SH |  | SOLE |  | 0 | 0 | 138636 |
| SPDR SERIES TRUST | PORTFOLIO LR ETF | 78464A854 |  | 12928109 | 177853 | SH |  | SOLE |  | 0 | 0 | 177853 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 12824398 | 122745 | SH |  | SOLE |  | 0 | 0 | 122745 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 12045946 | 194216 | SH |  | SOLE |  | 0 | 0 | 194216 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 11966960 | 109494 | SH |  | SOLE |  | 0 | 0 | 109494 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 10900925 | 388625 | SH |  | SOLE |  | 0 | 0 | 388625 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 10717979 | 423636 | SH |  | SOLE |  | 0 | 0 | 423636 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 10716449 | 110127 | SH |  | SOLE |  | 0 | 0 | 110127 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 10213565 | 428601 | SH |  | SOLE |  | 0 | 0 | 428601 |
| SPDR TR S 500 ETF TR | TR UNIT | 78462F103 |  | 9407616 | 15226 | SH |  | SOLE |  | 0 | 0 | 15226 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 8925167 | 348639 | SH |  | SOLE |  | 0 | 0 | 348639 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 8054924 | 59643 | SH |  | SOLE |  | 0 | 0 | 59643 |
| APPLE INC | COM | 037833100 |  | 7219452 | 35188 | SH |  | SOLE |  | 0 | 0 | 35188 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 6117565 | 141807 | SH |  | SOLE |  | 0 | 0 | 141807 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 5949305 | 177168 | SH |  | SOLE |  | 0 | 0 | 177168 |
| INVESCO EXCHNG TRADED FD TR | EMRNG MKT SVRG | 46138E784 |  | 5405572 | 264590 | SH |  | SOLE |  | 0 | 0 | 264590 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 5334317 | 124809 | SH |  | SOLE |  | 0 | 0 | 124809 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 5263911 | 198638 | SH |  | SOLE |  | 0 | 0 | 198638 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5057423 | 124905 | SH |  | SOLE |  | 0 | 0 | 124905 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 4909390 | 76779 | SH |  | SOLE |  | 0 | 0 | 76779 |
| INVESCO EXCHNG TRADED FD TR | FNDMNTL HY CRP | 46138E719 |  | 4241595 | 229772 | SH |  | SOLE |  | 0 | 0 | 229772 |
| SPDR SER TR | NUVEEN BRC MUNIC | 78468R721 |  | 3401933 | 76157 | SH |  | SOLE |  | 0 | 0 | 76157 |
| MICROSOFT CORP | COM | 594918104 |  | 3214554 | 6463 | SH |  | SOLE |  | 0 | 0 | 6463 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3057505 | 7201 | SH |  | SOLE |  | 0 | 0 | 7201 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2986197 | 102232 | SH |  | SOLE |  | 0 | 0 | 102232 |
| SPDR SERIES TRUST | PORTFOLIO MD ETF | 78464A847 |  | 2458571 | 45211 | SH |  | SOLE |  | 0 | 0 | 45211 |
| SPDR SER TR | PORTFOLIO SM ETF | 78468R853 |  | 2399049 | 56316 | SH |  | SOLE |  | 0 | 0 | 56316 |
| SPDR SERIES TRUST | PORTFOLIO TL STK | 78464A805 |  | 1630335 | 21770 | SH |  | SOLE |  | 0 | 0 | 21770 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 1441806 | 33973 | SH |  | SOLE |  | 0 | 0 | 33973 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1301820 | 15711 | SH |  | SOLE |  | 0 | 0 | 15711 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1270240 | 6989 | SH |  | SOLE |  | 0 | 0 | 6989 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1268936 | 4377 | SH |  | SOLE |  | 0 | 0 | 4377 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1140413 | 7218 | SH |  | SOLE |  | 0 | 0 | 7218 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 1114992 | 45734 | SH |  | SOLE |  | 0 | 0 | 45734 |
| AMAZON COM INC | COM | 023135106 |  | 1010072 | 4604 | SH |  | SOLE |  | 0 | 0 | 4604 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 989815 | 6480 | SH |  | SOLE |  | 0 | 0 | 6480 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 976746 | 1771 | SH |  | SOLE |  | 0 | 0 | 1771 |
| META PLATFORMS INC | CL A | 30303M102 |  | 974279 | 1320 | SH |  | SOLE |  | 0 | 0 | 1320 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 960571 | 2191 | SH |  | SOLE |  | 0 | 0 | 2191 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 810339 | 2666 | SH |  | SOLE |  | 0 | 0 | 2666 |
| AT INC | COM | 00206R102 |  | 800570 | 27663 | SH |  | SOLE |  | 0 | 0 | 27663 |
| VISA INC | COM CL A | 92826C839 |  | 744185 | 2096 | SH |  | SOLE |  | 0 | 0 | 2096 |
| MERCK  CO INC | COM | 58933Y105 |  | 722335 | 9125 | SH |  | SOLE |  | 0 | 0 | 9125 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 699804 | 3945 | SH |  | SOLE |  | 0 | 0 | 3945 |
| HOME DEPOT INC | COM | 437076102 |  | 687083 | 1874 | SH |  | SOLE |  | 0 | 0 | 1874 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 670638 | 24237 | SH |  | SOLE |  | 0 | 0 | 24237 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 614929 | 2086 | SH |  | SOLE |  | 0 | 0 | 2086 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 614155 | 3001 | SH |  | SOLE |  | 0 | 0 | 3001 |
| COCA COLA CONSOLIDATED INC | COM | 191098102 |  | 603781 | 8534 | SH |  | SOLE |  | 0 | 0 | 8534 |
| BANK AMER CORP | COM | 060505104 |  | 568834 | 12021 | SH |  | SOLE |  | 0 | 0 | 12021 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 566982 | 3208 | SH |  | SOLE |  | 0 | 0 | 3208 |
| ORACLE CORP | COM | 68389X105 |  | 546138 | 2498 | SH |  | SOLE |  | 0 | 0 | 2498 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 539461 | 950 | SH |  | SOLE |  | 0 | 0 | 950 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 485682 | 10616 | SH |  | SOLE |  | 0 | 0 | 10616 |
| CISCO SYS INC | COM | 17275R102 |  | 468801 | 6757 | SH |  | SOLE |  | 0 | 0 | 6757 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 434009 | 2235 | SH |  | SOLE |  | 0 | 0 | 2235 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 433789 | 4772 | SH |  | SOLE |  | 0 | 0 | 4772 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 383421 | 5721 | SH |  | SOLE |  | 0 | 0 | 5721 |
| WALMART INC | COM | 931142103 |  | 381737 | 3904 | SH |  | SOLE |  | 0 | 0 | 3904 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 355567 | 5122 | SH |  | SOLE |  | 0 | 0 | 5122 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 344864 | 348 | SH |  | SOLE |  | 0 | 0 | 348 |
| CHEVRON CORP NEW | COM | 166764100 |  | 343656 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 333780 | 1894 | SH |  | SOLE |  | 0 | 0 | 1894 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 327296 | 2547 | SH |  | SOLE |  | 0 | 0 | 2547 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 327285 | 2360 | SH |  | SOLE |  | 0 | 0 | 2360 |
| NETFLIX INC | COM | 64110L106 |  | 318713 | 238 | SH |  | SOLE |  | 0 | 0 | 238 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 307425 | 3652 | SH |  | SOLE |  | 0 | 0 | 3652 |
| DISNEY WALT CO | COM | 254687106 |  | 285025 | 2298 | SH |  | SOLE |  | 0 | 0 | 2298 |
| ISHARES TR | RUSSELL 1000 US | 46435G169 |  | 266562 | 785 | SH |  | SOLE |  | 0 | 0 | 785 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 247632 | 5723 | SH |  | SOLE |  | 0 | 0 | 5723 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 235849 | 756 | SH |  | SOLE |  | 0 | 0 | 756 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 230064 | 3924 | SH |  | SOLE |  | 0 | 0 | 3924 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 225271 | 3351 | SH |  | SOLE |  | 0 | 0 | 3351 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 219336 | 7488 | SH |  | SOLE |  | 0 | 0 | 7488 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 218664 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| CITIGROUP INC | COM NEW | 172967424 |  | 213992 | 2514 | SH |  | SOLE |  | 0 | 0 | 2514 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 208709 | 1310 | SH |  | SOLE |  | 0 | 0 | 1310 |

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