# EDGAR Filing Document

**Accession Number:** 0001810555
**File Stem:** 0001810555-23-000001
**Filing Date:** 2023-1
**Character Count:** 13215
**Document Hash:** ff47fa5de4a24692ff237884e2cd40ef
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001810555-23-000001.hdr.sgml**: 20230124

**ACCESSION NUMBER**: 0001810555-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230124

**DATE AS OF CHANGE**: 20230124

**EFFECTIVENESS DATE**: 20230124

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RTD Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001810555
- **IRS NUMBER:** 222448145
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22440
- **FILM NUMBER:** 23548796

**BUSINESS ADDRESS:**
- **STREET 1:** 30 S. 17TH STREET, SUITE 1620
- **CITY:** PHILADELPHIA
- **STATE:** PA
- **ZIP:** 19103
- **BUSINESS PHONE:** 215-557-3800

**MAIL ADDRESS:**
- **STREET 1:** 30 S. 17TH STREET, SUITE 1620
- **CITY:** PHILADELPHIA
- **STATE:** PA
- **ZIP:** 19103

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** RTD Financial Advisors Inc.<br>**Address:** 30 S. 17th Street Suite 1620<br>Philadelphia, PA 19103

**Form 13F File Number:** 028-22440

**CRD Number (if applicable):** 000110744

**SEC File Number (if applicable):** 801-19015

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:** Kevin J. Cremi<br>**Title:** CCO<br>**Phone:** 215-557-3800

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

/s/ Kevin J. Cremi  Philadelphia, PA  01-24-2023<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:** 93

**Form 13F Information Table Value Total:** $613436212

      (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 |
| ALBEMARLE CORP | COM | 012653101 |  | 910595 | 4199 | SH |  | SOLE |  | 0 | 0 | 4199 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 353145 | 3980 | SH |  | SOLE |  | 0 | 0 | 3980 |
| APPLE INC | COM | 037833100 |  | 1314206 | 10115 | SH |  | SOLE |  | 0 | 0 | 10115 |
| BOEING CO | COM | 097023105 |  | 276972 | 1454 | SH |  | SOLE |  | 0 | 0 | 1454 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 319443 | 10508 | SH |  | SOLE |  | 0 | 0 | 10508 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 10305661 | 307815 | SH |  | SOLE |  | 0 | 0 | 307815 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 3935580 | 89547 | SH |  | SOLE |  | 0 | 0 | 89547 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 339026 | 7103 | SH |  | SOLE |  | 0 | 0 | 7103 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1322166 | 11987 | SH |  | SOLE |  | 0 | 0 | 11987 |
| INDEXIQ ACTIVE ETF TR | IQ MACKAY INSRED | 45409F843 |  | 5774599 | 243141 | SH |  | SOLE |  | 0 | 0 | 243141 |
| INVESCO ACTIVELY MANAGED ETF | TOTAL RETURN | 46090A804 |  | 30671244 | 660022 | SH |  | SOLE |  | 0 | 0 | 660022 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 |  | 7103250 | 170998 | SH |  | SOLE |  | 0 | 0 | 170998 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 409347 | 2700 | SH |  | SOLE |  | 0 | 0 | 2700 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 615382 | 20465 | SH |  | SOLE |  | 0 | 0 | 20465 |
| ISHARES TR | AGGRES ALLOC ETF | 464289859 |  | 852150 | 14262 | SH |  | SOLE |  | 0 | 0 | 14262 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 285329 | 4629 | SH |  | SOLE |  | 0 | 0 | 4629 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 246164 | 4253 | SH |  | SOLE |  | 0 | 0 | 4253 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 22952151 | 242521 | SH |  | SOLE |  | 0 | 0 | 242521 |
| ISHARES TR | CORE S ETF | 464287200 |  | 57969075 | 150879 | SH |  | SOLE |  | 0 | 0 | 150879 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 726915 | 14700 | SH |  | SOLE |  | 0 | 0 | 14700 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 17530911 | 209299 | SH |  | SOLE |  | 0 | 0 | 209299 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 7633814 | 135160 | SH |  | SOLE |  | 0 | 0 | 135160 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 6894330 | 150269 | SH |  | SOLE |  | 0 | 0 | 150269 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1827725 | 27802 | SH |  | SOLE |  | 0 | 0 | 27802 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1245563 | 14697 | SH |  | SOLE |  | 0 | 0 | 14697 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2506559 | 53628 | SH |  | SOLE |  | 0 | 0 | 53628 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 |  | 1145106 | 24281 | SH |  | SOLE |  | 0 | 0 | 24281 |
| ISHARES TR | MODERT ALLOC ETF | 464289875 |  | 357643 | 9409 | SH |  | SOLE |  | 0 | 0 | 9409 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 475041 | 7237 | SH |  | SOLE |  | 0 | 0 | 7237 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 5337945 | 140843 | SH |  | SOLE |  | 0 | 0 | 140843 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 10681995 | 101232 | SH |  | SOLE |  | 0 | 0 | 101232 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 23797112 | 113040 | SH |  | SOLE |  | 0 | 0 | 113040 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 30348812 | 141658 | SH |  | SOLE |  | 0 | 0 | 141658 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 11186983 | 73768 | SH |  | SOLE |  | 0 | 0 | 73768 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 10249778 | 47780 | SH |  | SOLE |  | 0 | 0 | 47780 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 8080163 | 58269 | SH |  | SOLE |  | 0 | 0 | 58269 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 23272195 | 278376 | SH |  | SOLE |  | 0 | 0 | 278376 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 14454438 | 137217 | SH |  | SOLE |  | 0 | 0 | 137217 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 12121776 | 69522 | SH |  | SOLE |  | 0 | 0 | 69522 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 3058061 | 52275 | SH |  | SOLE |  | 0 | 0 | 52275 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 13023659 | 89775 | SH |  | SOLE |  | 0 | 0 | 89775 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 9793353 | 90620 | SH |  | SOLE |  | 0 | 0 | 90620 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 7146568 | 78267 | SH |  | SOLE |  | 0 | 0 | 78267 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 10581726 | 99415 | SH |  | SOLE |  | 0 | 0 | 99415 |
| J  J SNACK FOODS CORP | COM | 466032109 |  | 346878 | 2317 | SH |  | SOLE |  | 0 | 0 | 2317 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 785563 | 4447 | SH |  | SOLE |  | 0 | 0 | 4447 |
| MCDONALDS CORP | COM | 580135101 |  | 317069 | 1203 | SH |  | SOLE |  | 0 | 0 | 1203 |
| MERCK  CO INC | COM | 58933Y105 |  | 785415 | 7079 | SH |  | SOLE |  | 0 | 0 | 7079 |
| MICROSOFT CORP | COM | 594918104 |  | 350857 | 1463 | SH |  | SOLE |  | 0 | 0 | 1463 |
| NIKE INC | CL B | 654106103 |  | 1218776 | 10416 | SH |  | SOLE |  | 0 | 0 | 10416 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 441818 | 9037 | SH |  | SOLE |  | 0 | 0 | 9037 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 454912 | 13286 | SH |  | SOLE |  | 0 | 0 | 13286 |
| NUSHARES ETF TR | NUVEEN ESG MIDCP | 67092P409 |  | 361619 | 10273 | SH |  | SOLE |  | 0 | 0 | 10273 |
| NUSHARES ETF TR | NUVEEN ESG MIDVL | 67092P508 |  | 382031 | 12841 | SH |  | SOLE |  | 0 | 0 | 12841 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 590830 | 17286 | SH |  | SOLE |  | 0 | 0 | 17286 |
| PFIZER INC | COM | 717081103 |  | 2678878 | 52281 | SH |  | SOLE |  | 0 | 0 | 52281 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 272457 | 2692 | SH |  | SOLE |  | 0 | 0 | 2692 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 303120 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 2425213 | 54122 | SH |  | SOLE |  | 0 | 0 | 54122 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 4521268 | 81376 | SH |  | SOLE |  | 0 | 0 | 81376 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 6642712 | 147125 | SH |  | SOLE |  | 0 | 0 | 147125 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 616800 | 4540 | SH |  | SOLE |  | 0 | 0 | 4540 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 204052 | 1640 | SH |  | SOLE |  | 0 | 0 | 1640 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 1181033 | 31980 | SH |  | SOLE |  | 0 | 0 | 31980 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 1114345 | 33809 | SH |  | SOLE |  | 0 | 0 | 33809 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 4301448 | 146258 | SH |  | SOLE |  | 0 | 0 | 146258 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1319738 | 3451 | SH |  | SOLE |  | 0 | 0 | 3451 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 705396 | 1593 | SH |  | SOLE |  | 0 | 0 | 1593 |
| SPDR SER TR | DJ REIT ETF | 78464A607 |  | 2666064 | 30592 | SH |  | SOLE |  | 0 | 0 | 30592 |
| SPDR SER TR | S 400 MDCP GRW | 78464A821 |  | 383676 | 5872 | SH |  | SOLE |  | 0 | 0 | 5872 |
| SPDR SER TR | S 400 MDCP VAL | 78464A839 |  | 4849599 | 74932 | SH |  | SOLE |  | 0 | 0 | 74932 |
| STRYKER CORPORATION | COM | 863667101 |  | 266983 | 1092 | SH |  | SOLE |  | 0 | 0 | 1092 |
| TREX CO INC | COM | 89531P105 |  | 870643 | 20568 | SH |  | SOLE |  | 0 | 0 | 20568 |
| UNION PAC CORP | COM | 907818108 |  | 333383 | 1610 | SH |  | SOLE |  | 0 | 0 | 1610 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 370596 | 699 | SH |  | SOLE |  | 0 | 0 | 699 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 51586848 | 718080 | SH |  | SOLE |  | 0 | 0 | 718080 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 862882 | 4049 | SH |  | SOLE |  | 0 | 0 | 4049 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 561468 | 3223 | SH |  | SOLE |  | 0 | 0 | 3223 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 4541344 | 25263 | SH |  | SOLE |  | 0 | 0 | 25263 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 6679554 | 49390 | SH |  | SOLE |  | 0 | 0 | 49390 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 56292179 | 682495 | SH |  | SOLE |  | 0 | 0 | 682495 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 5885909 | 37065 | SH |  | SOLE |  | 0 | 0 | 37065 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 3408977 | 18573 | SH |  | SOLE |  | 0 | 0 | 18573 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2189897 | 10920 | SH |  | SOLE |  | 0 | 0 | 10920 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 360736 | 1887 | SH |  | SOLE |  | 0 | 0 | 1887 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1691748 | 12052 | SH |  | SOLE |  | 0 | 0 | 12052 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 664087 | 13245 | SH |  | SOLE |  | 0 | 0 | 13245 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 9048544 | 232133 | SH |  | SOLE |  | 0 | 0 | 232133 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 6991724 | 68006 | SH |  | SOLE |  | 0 | 0 | 68006 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 21413477 | 432683 | SH |  | SOLE |  | 0 | 0 | 432683 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1346880 | 32091 | SH |  | SOLE |  | 0 | 0 | 32091 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 8021799 | 115206 | SH |  | SOLE |  | 0 | 0 | 115206 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 10391331 | 174439 | SH |  | SOLE |  | 0 | 0 | 174439 |

---