# EDGAR Filing Document

**Accession Number:** 0001633288
**File Stem:** 0001633288-26-000001
**Filing Date:** 2026-1
**Character Count:** 13452
**Document Hash:** 7742c9dcddca2a52f3a2d04d607219ed
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001633288-26-000001.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001633288-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**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:** 26547539

**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:** 12-31-2025

**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  01-21-2026<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:** 98

**Form 13F Information Table Value Total:** $634263209

      (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 |
| ISHARES TR | CORE S ETF | 464287200 |  | 68075704 | 99339 | SH |  | SOLE |  | 0 | 0 | 99339 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 59531129 | 2212231 | SH |  | SOLE |  | 0 | 0 | 2212231 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 38215959 | 382609 | SH |  | SOLE |  | 0 | 0 | 382609 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 35677884 | 442486 | SH |  | SOLE |  | 0 | 0 | 442486 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 28629078 | 562898 | SH |  | SOLE |  | 0 | 0 | 562898 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 26660969 | 241954 | SH |  | SOLE |  | 0 | 0 | 241954 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 25408341 | 283986 | SH |  | SOLE |  | 0 | 0 | 283986 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 23810554 | 1018851 | SH |  | SOLE |  | 0 | 0 | 1018851 |
| ISHARES TR | CORE MSCI EMKT | 46434G103 |  | 21291430 | 316691 | SH |  | SOLE |  | 0 | 0 | 316691 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 20541191 | 213349 | SH |  | SOLE |  | 0 | 0 | 213349 |
| SPDR SER TR | BLOMBERG BRC INV | 78468R200 |  | 20012067 | 651222 | SH |  | SOLE |  | 0 | 0 | 651222 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 19488409 | 810666 | SH |  | SOLE |  | 0 | 0 | 810666 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 15799934 | 482441 | SH |  | SOLE |  | 0 | 0 | 482441 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 14528647 | 220094 | SH |  | SOLE |  | 0 | 0 | 220094 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 14384445 | 134296 | SH |  | SOLE |  | 0 | 0 | 134296 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 13575442 | 169228 | SH |  | SOLE |  | 0 | 0 | 169228 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 11724492 | 97535 | SH |  | SOLE |  | 0 | 0 | 97535 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 11434930 | 380277 | SH |  | SOLE |  | 0 | 0 | 380277 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 10712100 | 408391 | SH |  | SOLE |  | 0 | 0 | 408391 |
| SPDR TR S 500 ETF TR | TR UNIT | 78462F103 |  | 10091990 | 14799 | SH |  | SOLE |  | 0 | 0 | 14799 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 9807050 | 380856 | SH |  | SOLE |  | 0 | 0 | 380856 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 9512609 | 63972 | SH |  | SOLE |  | 0 | 0 | 63972 |
| APPLE INC | COM | 037833100 |  | 9067728 | 33354 | SH |  | SOLE |  | 0 | 0 | 33354 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 8998709 | 315966 | SH |  | SOLE |  | 0 | 0 | 315966 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 7010027 | 163518 | SH |  | SOLE |  | 0 | 0 | 163518 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 6342151 | 187582 | SH |  | SOLE |  | 0 | 0 | 187582 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 5885183 | 214553 | SH |  | SOLE |  | 0 | 0 | 214553 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 5877647 | 84664 | SH |  | SOLE |  | 0 | 0 | 84664 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 5363890 | 114589 | SH |  | SOLE |  | 0 | 0 | 114589 |
| INVESCO EXCHNG TRADED FD TR | EMRNG MKT SVRG | 46138E784 |  | 5228145 | 241373 | SH |  | SOLE |  | 0 | 0 | 241373 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5115832 | 115195 | SH |  | SOLE |  | 0 | 0 | 115195 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 5048442 | 63888 | SH |  | SOLE |  | 0 | 0 | 63888 |
| MICROSOFT CORP | COM | 594918104 |  | 3492145 | 7221 | SH |  | SOLE |  | 0 | 0 | 7221 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3408350 | 7201 | SH |  | SOLE |  | 0 | 0 | 7201 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 3332818 | 102171 | SH |  | SOLE |  | 0 | 0 | 102171 |
| SPDR SER TR | NUVEEN BRC MUNIC | 78468R721 |  | 3280607 | 71770 | SH |  | SOLE |  | 0 | 0 | 71770 |
| SPDR SERIES TRUST | PORTFOLIO MD ETF | 78464A847 |  | 2531591 | 43716 | SH |  | SOLE |  | 0 | 0 | 43716 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 2243909 | 22932 | SH |  | SOLE |  | 0 | 0 | 22932 |
| SPDR SER TR | PORTFOLIO SM ETF | 78468R853 |  | 2031039 | 43343 | SH |  | SOLE |  | 0 | 0 | 43343 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1961260 | 3193 | SH |  | SOLE |  | 0 | 0 | 3193 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1901314 | 6059 | SH |  | SOLE |  | 0 | 0 | 6059 |
| SPDR SERIES TRUST | PORTFOLIO TL STK | 78464A805 |  | 1634880 | 19817 | SH |  | SOLE |  | 0 | 0 | 19817 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1619938 | 19560 | SH |  | SOLE |  | 0 | 0 | 19560 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 1610709 | 37242 | SH |  | SOLE |  | 0 | 0 | 37242 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1596925 | 8563 | SH |  | SOLE |  | 0 | 0 | 8563 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1517031 | 7330 | SH |  | SOLE |  | 0 | 0 | 7330 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1354613 | 4204 | SH |  | SOLE |  | 0 | 0 | 4204 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1348717 | 4309 | SH |  | SOLE |  | 0 | 0 | 4309 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1338875 | 6989 | SH |  | SOLE |  | 0 | 0 | 6989 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1291796 | 1957 | SH |  | SOLE |  | 0 | 0 | 1957 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 1219754 | 50051 | SH |  | SOLE |  | 0 | 0 | 50051 |
| AMAZON COM INC | COM | 023135106 |  | 1184337 | 5131 | SH |  | SOLE |  | 0 | 0 | 5131 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1149439 | 2356 | SH |  | SOLE |  | 0 | 0 | 2356 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1056709 | 1685 | SH |  | SOLE |  | 0 | 0 | 1685 |
| VISA INC | COM CL A | 92826C839 |  | 980936 | 2797 | SH |  | SOLE |  | 0 | 0 | 2797 |
| MERCK  CO INC | COM | 58933Y105 |  | 973234 | 9246 | SH |  | SOLE |  | 0 | 0 | 9246 |
| CISCO SYS INC | COM | 17275R102 |  | 800419 | 10391 | SH |  | SOLE |  | 0 | 0 | 10391 |
| AT INC | COM | 00206R102 |  | 730016 | 29389 | SH |  | SOLE |  | 0 | 0 | 29389 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 717658 | 24237 | SH |  | SOLE |  | 0 | 0 | 24237 |
| BANK AMER CORP | COM | 060505104 |  | 708125 | 12875 | SH |  | SOLE |  | 0 | 0 | 12875 |
| HOME DEPOT INC | COM | 437076102 |  | 662048 | 1924 | SH |  | SOLE |  | 0 | 0 | 1924 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 659495 | 3001 | SH |  | SOLE |  | 0 | 0 | 3001 |
| COCA COLA CONSOLIDATED INC | COM | 191098102 |  | 645968 | 9240 | SH |  | SOLE |  | 0 | 0 | 9240 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 632805 | 2136 | SH |  | SOLE |  | 0 | 0 | 2136 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 608685 | 3187 | SH |  | SOLE |  | 0 | 0 | 3187 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 582767 | 1738 | SH |  | SOLE |  | 0 | 0 | 1738 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 581761 | 12636 | SH |  | SOLE |  | 0 | 0 | 12636 |
| ORACLE CORP | COM | 68389X105 |  | 486885 | 2498 | SH |  | SOLE |  | 0 | 0 | 2498 |
| BROADCOM INC | COM | 11135F101 |  | 481079 | 1390 | SH |  | SOLE |  | 0 | 0 | 1390 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 470007 | 2235 | SH |  | SOLE |  | 0 | 0 | 2235 |
| WALMART INC | COM | 931142103 |  | 463024 | 4156 | SH |  | SOLE |  | 0 | 0 | 4156 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 424327 | 5721 | SH |  | SOLE |  | 0 | 0 | 5721 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 401207 | 4998 | SH |  | SOLE |  | 0 | 0 | 4998 |
| INVESCO EXCHNG TRADED FD TR | FNDMNTL HY CRP | 46138E719 |  | 387072 | 20810 | SH |  | SOLE |  | 0 | 0 | 20810 |
| LINDE PLC | SHS | G54950103 |  | 380766 | 893 | SH |  | SOLE |  | 0 | 0 | 893 |
| CHEVRON CORP NEW | COM | 166764100 |  | 380720 | 2498 | SH |  | SOLE |  | 0 | 0 | 2498 |
| TESLA INC | COM | 88160R101 |  | 358877 | 798 | SH |  | SOLE |  | 0 | 0 | 798 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 351352 | 699 | SH |  | SOLE |  | 0 | 0 | 699 |
| CITIGROUP INC | COM NEW | 172967424 |  | 342952 | 2939 | SH |  | SOLE |  | 0 | 0 | 2939 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 338993 | 871 | SH |  | SOLE |  | 0 | 0 | 871 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 333616 | 2365 | SH |  | SOLE |  | 0 | 0 | 2365 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 323178 | 2360 | SH |  | SOLE |  | 0 | 0 | 2360 |
| NETFLIX INC | COM | 64110L106 |  | 320659 | 3420 | SH |  | SOLE |  | 0 | 0 | 3420 |
| ELI LILLY  CO | COM | 532457108 |  | 315956 | 294 | SH |  | SOLE |  | 0 | 0 | 294 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 314459 | 365 | SH |  | SOLE |  | 0 | 0 | 365 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 298932 | 2575 | SH |  | SOLE |  | 0 | 0 | 2575 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 293256 | 3652 | SH |  | SOLE |  | 0 | 0 | 3652 |
| GE AEROSPACE | COM NEW | 369604951 |  | 263674 | 856 | SH |  | SOLE |  | 0 | 0 | 856 |
| DISNEY WALT CO | COM | 254687106 |  | 259783 | 2283 | SH |  | SOLE |  | 0 | 0 | 2283 |
| LAS VEGAS SANDS CORP | COM | 517834107 |  | 250597 | 3850 | SH |  | SOLE |  | 0 | 0 | 3850 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 245932 | 745 | SH |  | SOLE |  | 0 | 0 | 745 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 236097 | 8063 | SH |  | SOLE |  | 0 | 0 | 8063 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 234731 | 5763 | SH |  | SOLE |  | 0 | 0 | 5763 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 226258 | 3924 | SH |  | SOLE |  | 0 | 0 | 3924 |
| ISHARES TR | RUSSELL 1000 US | 46435G169 |  | 220330 | 590 | SH |  | SOLE |  | 0 | 0 | 590 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 211393 | 1011 | SH |  | SOLE |  | 0 | 0 | 1011 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 204138 | 978 | SH |  | SOLE |  | 0 | 0 | 978 |
| HERSHEY CO | COM | 427866108 |  | 200178 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |

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