# EDGAR Filing Document

**Accession Number:** 0001765595
**File Stem:** 0001765595-23-000002
**Filing Date:** 2023-1
**Character Count:** 13078
**Document Hash:** d53e980c5747c7826f7fd3a99c871dc4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765595-23-000002.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001765595-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Bernardo Wealth Planning LLC
- **CENTRAL INDEX KEY:** 0001765595
- **IRS NUMBER:** 812605660
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19278
- **FILM NUMBER:** 23568069

**BUSINESS ADDRESS:**
- **STREET 1:** 272 RUTH RD.
- **CITY:** HARLEYSVILLE
- **STATE:** PA
- **ZIP:** 19438
- **BUSINESS PHONE:** 2675001080

**MAIL ADDRESS:**
- **STREET 1:** 272 RUTH RD.
- **CITY:** HARLEYSVILLE
- **STATE:** PA
- **ZIP:** 19438

### 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:** Bernardo Wealth Planning LLC<br>**Address:** 272 RUTH RD.<br>HARLEYSVILLE, PA 19438

**Form 13F File Number:** 028-19278

**CRD Number (if applicable):** 000288705

**SEC File Number (if applicable):** 801-110661

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:** Matthew Rittenhouse<br>**Title:** Chief Compliance Officer<br>**Phone:** 2675001080

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

Matthew Rittenhouse  Harleysville, PA  01-30-2023<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:** 90

**Form 13F Information Table Value Total:** $213897392

      (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 |
| ABBOTT LABS COM | Stock | 002824100 |  | 263552 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 286139 | 1770 | SH |  | SOLE |  | 0 | 0 | 1770 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 597064 | 6729 | SH |  | SOLE |  | 0 | 0 | 6729 |
| AMAZON COM INC COM | Stock | 023135106 |  | 1413468 | 16827 | SH |  | SOLE |  | 0 | 0 | 16827 |
| APPLE INC COM | Stock | 037833100 |  | 5100238 | 39253 | SH |  | SOLE |  | 0 | 0 | 39253 |
| AUTOMATIC DATA PROCESSING INC COM | Stock | 053015103 |  | 332409 | 1391 | SH |  | SOLE |  | 0 | 0 | 1391 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 339790 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| BITFARMS LTD COM | Stock | 09173B107 |  | 5632 | 12801 | SH |  | SOLE |  | 0 | 0 | 12801 |
| BLACKSTONE INC COM | Stock | 09260D107 |  | 278311 | 3751 | SH |  | SOLE |  | 0 | 0 | 3751 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 683939 | 3810 | SH |  | SOLE |  | 0 | 0 | 3810 |
| CONSUMER STAPLES SELECT SECTOR SPDR FUND | ETF | 81369Y308 |  | 7222176 | 96876 | SH |  | SOLE |  | 0 | 0 | 96876 |
| DISNEY WALT CO COM | Stock | 254687106 |  | 215056 | 2475 | SH |  | SOLE |  | 0 | 0 | 2475 |
| ESSENTIAL UTILS INC COM | Stock | 29670G102 |  | 997337 | 20895 | SH |  | SOLE |  | 0 | 0 | 20895 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 663738 | 6017 | SH |  | SOLE |  | 0 | 0 | 6017 |
| FINANCIAL SELECT SECTOR SPDR FUND | ETF | 81369Y605 |  | 412135 | 12050 | SH |  | SOLE |  | 0 | 0 | 12050 |
| FIRST TRUST CAPITAL STRENGTH ETF | ETF | 33733E104 |  | 4028359 | 53747 | SH |  | SOLE |  | 0 | 0 | 53747 |
| FIRST TRUST MANAGED MUNICIPAL ETF | ETF | 33739N108 |  | 1521105 | 30355 | SH |  | SOLE |  | 0 | 0 | 30355 |
| FIRST TRUST VALUE LINE DIVIDEND INDEX FUND | ETF | 33734H106 |  | 634698 | 15903 | SH |  | SOLE |  | 0 | 0 | 15903 |
| HARTFORD MUNICIPAL OPPORTUNITIES ETF | ETF | 41653L503 |  | 1992849 | 53057 | SH |  | SOLE |  | 0 | 0 | 53057 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 223273 | 706 | SH |  | SOLE |  | 0 | 0 | 706 |
| INTUIT COM | Stock | 461202103 |  | 279459 | 718 | SH |  | SOLE |  | 0 | 0 | 718 |
| INVESCO QQQ TRUST | ETF | 46090E103 |  | 7414765 | 27845 | SH |  | SOLE |  | 0 | 0 | 27845 |
| INVESCO S 500 EQUAL WEIGHT ETF | ETF | 46137V357 |  | 204855 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| IQ MACKAY MUNICIPAL INTERMEDIATE ETF | ETF | 45409F827 |  | 1496446 | 62016 | SH |  | SOLE |  | 0 | 0 | 62016 |
| ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464288646 |  | 3862700 | 77533 | SH |  | SOLE |  | 0 | 0 | 77533 |
| ISHARES CORE HIGH DIVIDEND ETF | ETF | 46429B663 |  | 9297208 | 89190 | SH |  | SOLE |  | 0 | 0 | 89190 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 15120774 | 39355 | SH |  | SOLE |  | 0 | 0 | 39355 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 309232 | 1278 | SH |  | SOLE |  | 0 | 0 | 1278 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 234292 | 2475 | SH |  | SOLE |  | 0 | 0 | 2475 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 |  | 1862639 | 21965 | SH |  | SOLE |  | 0 | 0 | 21965 |
| ISHARES CORE TOTAL USD BOND MARKET ETF | ETF | 46434V613 |  | 8783885 | 195501 | SH |  | SOLE |  | 0 | 0 | 195501 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | ETF | 464287226 |  | 850667 | 8770 | SH |  | SOLE |  | 0 | 0 | 8770 |
| ISHARES GLOBAL TECH ETF | ETF | 464287291 |  | 2298490 | 51271 | SH |  | SOLE |  | 0 | 0 | 51271 |
| ISHARES MBS ETF | ETF | 464288588 |  | 3255924 | 35104 | SH |  | SOLE |  | 0 | 0 | 35104 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | ETF | 46429B697 |  | 2319147 | 32165 | SH |  | SOLE |  | 0 | 0 | 32165 |
| ISHARES MSCI USA MOMENTUM FACTOR ETF | ETF | 46432F396 |  | 616579 | 4225 | SH |  | SOLE |  | 0 | 0 | 4225 |
| ISHARES MSCI USA QUALITY FACTOR ETF | ETF | 46432F339 |  | 744540 | 6533 | SH |  | SOLE |  | 0 | 0 | 6533 |
| ISHARES NATIONAL MUNI BOND ETF | ETF | 464288414 |  | 1057531 | 10022 | SH |  | SOLE |  | 0 | 0 | 10022 |
| ISHARES RUSSELL MIDCAP ETF | ETF | 464287499 |  | 360134 | 5339 | SH |  | SOLE |  | 0 | 0 | 5339 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 1250730 | 21380 | SH |  | SOLE |  | 0 | 0 | 21380 |
| ISHARES S 500 VALUE ETF | ETF | 464287408 |  | 1354373 | 9336 | SH |  | SOLE |  | 0 | 0 | 9336 |
| ISHARES SHORT-TERM NATIONAL MUNI BOND ETF | ETF | 464288158 |  | 453448 | 4348 | SH |  | SOLE |  | 0 | 0 | 4348 |
| ISHARES U.S. ENERGY ETF | ETF | 464287796 |  | 746391 | 16054 | SH |  | SOLE |  | 0 | 0 | 16054 |
| ISHARES U.S. INFRASTRUCTURE ETF | ETF | 46435U713 |  | 2063159 | 56899 | SH |  | SOLE |  | 0 | 0 | 56899 |
| ISHARES U.S. MEDICAL DEVICES ETF | ETF | 464288810 |  | 605168 | 11511 | SH |  | SOLE |  | 0 | 0 | 11511 |
| ISHARES U.S. TREASURY BOND ETF | ETF | 46429B267 |  | 6524128 | 287153 | SH |  | SOLE |  | 0 | 0 | 287153 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 1075118 | 6086 | SH |  | SOLE |  | 0 | 0 | 6086 |
| JPMORGAN CHASE  CO COM | Stock | 46625H100 |  | 230402 | 1718 | SH |  | SOLE |  | 0 | 0 | 1718 |
| JPMORGAN EQUITY PREMIUM INCOME ETF | ETF | 46641Q332 |  | 16859501 | 309405 | SH |  | SOLE |  | 0 | 0 | 309405 |
| JPMORGAN INCOME ETF | ETF | 46641Q159 |  | 3571347 | 79152 | SH |  | SOLE |  | 0 | 0 | 79152 |
| LOOP MEDIA INC COM NEW | Stock | 54352F206 |  | 190861 | 28831 | SH |  | SOLE |  | 0 | 0 | 28831 |
| MCDONALDS CORP COM | Stock | 580135101 |  | 492818 | 1870 | SH |  | SOLE |  | 0 | 0 | 1870 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 2121551 | 19121 | SH |  | SOLE |  | 0 | 0 | 19121 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 291824 | 2425 | SH |  | SOLE |  | 0 | 0 | 2425 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 623314 | 2599 | SH |  | SOLE |  | 0 | 0 | 2599 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 355019 | 2429 | SH |  | SOLE |  | 0 | 0 | 2429 |
| PALANTIR TECHNOLOGIES INC CL A | Stock | 69608A108 |  | 71262 | 11100 | SH |  | SOLE |  | 0 | 0 | 11100 |
| PEPSICO INC COM | Stock | 713448108 |  | 224595 | 1243 | SH |  | SOLE |  | 0 | 0 | 1243 |
| PFIZER INC COM | Stock | 717081103 |  | 363876 | 7101 | SH |  | SOLE |  | 0 | 0 | 7101 |
| PHILIP MORRIS INTL INC COM | Stock | 718172109 |  | 308481 | 3047 | SH |  | SOLE |  | 0 | 0 | 3047 |
| POLARITYTE INC COM NEW | Stock | 731094207 |  | 14674 | 22400 | SH |  | SOLE |  | 0 | 0 | 22400 |
| PROGRESSIVE CORP COM | Stock | 743315103 |  | 237545 | 1831 | SH |  | SOLE |  | 0 | 0 | 1831 |
| SCHWAB U.S. LARGE-CAP VALUE ETF | ETF | 808524409 |  | 686079 | 10392 | SH |  | SOLE |  | 0 | 0 | 10392 |
| SPDR PORTFOLIO S 1500 COMPOSITE STOCK MARKET ETF | ETF | 78464A805 |  | 719753 | 15220 | SH |  | SOLE |  | 0 | 0 | 15220 |
| SPDR S 400 MID CAP GROWTH ETF | ETF | 78464A821 |  | 2810941 | 43020 | SH |  | SOLE |  | 0 | 0 | 43020 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 273819 | 716 | SH |  | SOLE |  | 0 | 0 | 716 |
| TERRAN ORBITAL CORPORATION COM | Stock | 88105P103 |  | 142805 | 90383 | SH |  | SOLE |  | 0 | 0 | 90383 |
| TESLA INC COM | Stock | 88160R101 |  | 1176245 | 9549 | SH |  | SOLE |  | 0 | 0 | 9549 |
| UNITEDHEALTH GROUP INC COM | Stock | 91324P102 |  | 400120 | 754 | SH |  | SOLE |  | 0 | 0 | 754 |
| UNIVEST FINANCIAL CORPORATION COM | Stock | 915271100 |  | 359769 | 13768 | SH |  | SOLE |  | 0 | 0 | 13768 |
| VANGUARD FINANCIALS ETF | ETF | 92204A405 |  | 227259 | 2747 | SH |  | SOLE |  | 0 | 0 | 2747 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 6000245 | 55450 | SH |  | SOLE |  | 0 | 0 | 55450 |
| VANGUARD INTERMEDIATE-TERM BOND ETF | ETF | 921937819 |  | 1432387 | 19273 | SH |  | SOLE |  | 0 | 0 | 19273 |
| VANGUARD LARGE-CAP ETF | ETF | 922908637 |  | 376272 | 2160 | SH |  | SOLE |  | 0 | 0 | 2160 |
| VANGUARD MEGA CAP GROWTH ETF | ETF | 921910816 |  | 21256182 | 123532 | SH |  | SOLE |  | 0 | 0 | 123532 |
| VANGUARD MEGA CAP VALUE ETF | ETF | 921910840 |  | 22066416 | 214549 | SH |  | SOLE |  | 0 | 0 | 214549 |
| VANGUARD MID-CAP GROWTH ETF | ETF | 922908538 |  | 494340 | 2750 | SH |  | SOLE |  | 0 | 0 | 2750 |
| VANGUARD RUSSELL 1000 GROWTH ETF | ETF | 92206C680 |  | 9652695 | 175121 | SH |  | SOLE |  | 0 | 0 | 175121 |
| VANGUARD RUSSELL 1000 VALUE ETF | ETF | 92206C714 |  | 11459200 | 172111 | SH |  | SOLE |  | 0 | 0 | 172111 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 774121 | 2203 | SH |  | SOLE |  | 0 | 0 | 2203 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 750344 | 3924 | SH |  | SOLE |  | 0 | 0 | 3924 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 551822 | 3931 | SH |  | SOLE |  | 0 | 0 | 3931 |
| VERIZON COMMUNICATIONS INC COM | Stock | 92343V104 |  | 395894 | 10048 | SH |  | SOLE |  | 0 | 0 | 10048 |
| WALMART INC COM | Stock | 931142103 |  | 306458 | 2161 | SH |  | SOLE |  | 0 | 0 | 2161 |
| WELLS FARGO CO NEW COM | Stock | 949746101 |  | 248884 | 6027 | SH |  | SOLE |  | 0 | 0 | 6027 |
| WEYERHAEUSER CO MTN BE COM NEW | REIT | 962166104 |  | 238452 | 7692 | SH |  | SOLE |  | 0 | 0 | 7692 |
| WISDOMTREE FLOATING RATE TREASURY FUND | ETF | 97717Y527 |  | 2187090 | 43506 | SH |  | SOLE |  | 0 | 0 | 43506 |
| WISDOMTREE U.S. HIGH YIELD CORPORATE BOND FUND | ETF | 97717X172 |  | 1254902 | 28565 | SH |  | SOLE |  | 0 | 0 | 28565 |
| WRAP TECHNOLOGIES INC COM | Stock | 98212N107 |  | 24332 | 14398 | SH |  | SOLE |  | 0 | 0 | 14398 |
| ZYNERBA PHARMACEUTICALS INC COM | Stock | 98986X109 |  | 20446 | 38578 | SH |  | SOLE |  | 0 | 0 | 38578 |

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