# EDGAR Filing Document

**Accession Number:** 0001810555
**File Stem:** 0002085853-26-000107
**Filing Date:** 2026-1
**Character Count:** 15295
**Document Hash:** f51c792752a0a2d41b6fb9033b6db467
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002085853-26-000107.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0002085853-26-000107

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**EFFECTIVENESS DATE**: 20260127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RTD Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001810555

**ORGANIZATION NAME:**
- **EIN:** 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:** 26565339

**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:** 12-31-2025

**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:** 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  01-27-2026<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:** 113

**Form 13F Information Table Value Total:** $819527250

      (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 |  | 483584 | 3419 | SH |  | SOLE |  | 0 | 0 | 3419 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 230055 | 735 | SH |  | SOLE |  | 0 | 0 | 735 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1325178 | 4223 | SH |  | SOLE |  | 0 | 0 | 4223 |
| APPLE INC | COM | 037833100 |  | 2013708 | 7407 | SH |  | SOLE |  | 0 | 0 | 7407 |
| BANK AMERICA CORP | COM | 060505104 |  | 241364 | 4388 | SH |  | SOLE |  | 0 | 0 | 4388 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754800 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BOEING CO | COM | 097023105 |  | 313088 | 1442 | SH |  | SOLE |  | 0 | 0 | 1442 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 998538 | 18512 | SH |  | SOLE |  | 0 | 0 | 18512 |
| CHEVRON CORP NEW | COM | 166764100 |  | 373091 | 2448 | SH |  | SOLE |  | 0 | 0 | 2448 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 648259 | 17059 | SH |  | SOLE |  | 0 | 0 | 17059 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 10683531 | 229310 | SH |  | SOLE |  | 0 | 0 | 229310 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 4820432 | 80961 | SH |  | SOLE |  | 0 | 0 | 80961 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 855817 | 26021 | SH |  | SOLE |  | 0 | 0 | 26021 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 675609 | 20423 | SH |  | SOLE |  | 0 | 0 | 20423 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 1245143 | 24953 | SH |  | SOLE |  | 0 | 0 | 24953 |
| ELI LILLY  CO | COM | 532457108 |  | 523370 | 487 | SH |  | SOLE |  | 0 | 0 | 487 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 272472 | 7103 | SH |  | SOLE |  | 0 | 0 | 7103 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 987273 | 8204 | SH |  | SOLE |  | 0 | 0 | 8204 |
| GE AEROSPACE | COM NEW | 369604301 |  | 374701 | 1216 | SH |  | SOLE |  | 0 | 0 | 1216 |
| GE VERNOVA INC | COM | 36828A101 |  | 217659 | 333 | SH |  | SOLE |  | 0 | 0 | 333 |
| HARTFORD FDS EXCHANGE TRADED | MUN OPORTUNITE | 41653L503 |  | 949903 | 24288 | SH |  | SOLE |  | 0 | 0 | 24288 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 239042 | 807 | SH |  | SOLE |  | 0 | 0 | 807 |
| INVESCO ACTIVELY MANAGED EXC | TOTAL RETURN | 46090A804 |  | 38546393 | 812872 | SH |  | SOLE |  | 0 | 0 | 812872 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 8992386 | 137194 | SH |  | SOLE |  | 0 | 0 | 137194 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 341008 | 7306 | SH |  | SOLE |  | 0 | 0 | 7306 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 1092890 | 24743 | SH |  | SOLE |  | 0 | 0 | 24743 |
| ISHARES TR | CORE 30/70 CONSE | 464289883 |  | 332567 | 8287 | SH |  | SOLE |  | 0 | 0 | 8287 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 10064946 | 88506 | SH |  | SOLE |  | 0 | 0 | 88506 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 3214627 | 67181 | SH |  | SOLE |  | 0 | 0 | 67181 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 34263366 | 285100 | SH |  | SOLE |  | 0 | 0 | 285100 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 43201055 | 91276 | SH |  | SOLE |  | 0 | 0 | 91276 |
| ISHARES TR | RUS TP200 VL ETF | 464289420 |  | 22263453 | 242363 | SH |  | SOLE |  | 0 | 0 | 242363 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 1602072 | 24643 | SH |  | SOLE |  | 0 | 0 | 24643 |
| ISHARES TR | CORE 40/60 MODER | 464289875 |  | 417779 | 8753 | SH |  | SOLE |  | 0 | 0 | 8753 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 1467445 | 9850 | SH |  | SOLE |  | 0 | 0 | 9850 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 335227 | 3747 | SH |  | SOLE |  | 0 | 0 | 3747 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 35780012 | 95812 | SH |  | SOLE |  | 0 | 0 | 95812 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 15340396 | 62319 | SH |  | SOLE |  | 0 | 0 | 62319 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 41493009 | 628682 | SH |  | SOLE |  | 0 | 0 | 628682 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 22050317 | 193560 | SH |  | SOLE |  | 0 | 0 | 193560 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 10041884 | 55416 | SH |  | SOLE |  | 0 | 0 | 55416 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 18749008 | 175044 | SH |  | SOLE |  | 0 | 0 | 175044 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 353679 | 3683 | SH |  | SOLE |  | 0 | 0 | 3683 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 13840734 | 42849 | SH |  | SOLE |  | 0 | 0 | 42849 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 13358447 | 172300 | SH |  | SOLE |  | 0 | 0 | 172300 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 12023841 | 168378 | SH |  | SOLE |  | 0 | 0 | 168378 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 14094401 | 99847 | SH |  | SOLE |  | 0 | 0 | 99847 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 16243327 | 76594 | SH |  | SOLE |  | 0 | 0 | 76594 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2558014 | 26901 | SH |  | SOLE |  | 0 | 0 | 26901 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 6536908 | 119483 | SH |  | SOLE |  | 0 | 0 | 119483 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 2675081 | 29869 | SH |  | SOLE |  | 0 | 0 | 29869 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 1418265 | 31764 | SH |  | SOLE |  | 0 | 0 | 31764 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 20380863 | 144494 | SH |  | SOLE |  | 0 | 0 | 144494 |
| ISHARES TR | CORE S ETF | 464287200 |  | 97804345 | 142793 | SH |  | SOLE |  | 0 | 0 | 142793 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 19522705 | 70494 | SH |  | SOLE |  | 0 | 0 | 70494 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 4627797 | 37545 | SH |  | SOLE |  | 0 | 0 | 37545 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 28045574 | 204802 | SH |  | SOLE |  | 0 | 0 | 204802 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 14943467 | 135961 | SH |  | SOLE |  | 0 | 0 | 135961 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 17234922 | 81938 | SH |  | SOLE |  | 0 | 0 | 81938 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 495232 | 2393 | SH |  | SOLE |  | 0 | 0 | 2393 |
| MCDONALDS CORP | COM | 580135101 |  | 318822 | 1043 | SH |  | SOLE |  | 0 | 0 | 1043 |
| MERCK  CO INC | COM | 58933Y105 |  | 382572 | 3635 | SH |  | SOLE |  | 0 | 0 | 3635 |
| MICROSOFT CORP | COM | 594918104 |  | 686741 | 1420 | SH |  | SOLE |  | 0 | 0 | 1420 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUNI | 45409F843 |  | 11803643 | 493051 | SH |  | SOLE |  | 0 | 0 | 493051 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 813062 | 10128 | SH |  | SOLE |  | 0 | 0 | 10128 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 445399 | 9887 | SH |  | SOLE |  | 0 | 0 | 9887 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 408603 | 4178 | SH |  | SOLE |  | 0 | 0 | 4178 |
| NUSHARES ETF TR | NUVEEN ESG MIDCP | 67092P409 |  | 683373 | 14314 | SH |  | SOLE |  | 0 | 0 | 14314 |
| NUSHARES ETF TR | NUVEEN ESG MIDVL | 67092P508 |  | 855869 | 21889 | SH |  | SOLE |  | 0 | 0 | 21889 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 785879 | 17601 | SH |  | SOLE |  | 0 | 0 | 17601 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 297890 | 1597 | SH |  | SOLE |  | 0 | 0 | 1597 |
| ONTO INNOVATION INC | COM | 683344105 |  | 315720 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| OPEN TEXT CORP | COM | 683715106 |  | 560767 | 17212 | SH |  | SOLE |  | 0 | 0 | 17212 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 421190 | 7000 | SH |  | SOLE |  | 0 | 0 | 7000 |
| PFIZER INC | COM | 717081103 |  | 1318032 | 52933 | SH |  | SOLE |  | 0 | 0 | 52933 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 741169 | 9230 | SH |  | SOLE |  | 0 | 0 | 9230 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 9610529 | 357136 | SH |  | SOLE |  | 0 | 0 | 357136 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 3140128 | 119715 | SH |  | SOLE |  | 0 | 0 | 119715 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 5123303 | 157060 | SH |  | SOLE |  | 0 | 0 | 157060 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 550052 | 3553 | SH |  | SOLE |  | 0 | 0 | 3553 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 436941 | 3035 | SH |  | SOLE |  | 0 | 0 | 3035 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 2410622 | 51498 | SH |  | SOLE |  | 0 | 0 | 51498 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 5168627 | 126496 | SH |  | SOLE |  | 0 | 0 | 126496 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2260785 | 3315 | SH |  | SOLE |  | 0 | 0 | 3315 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 968308 | 1605 | SH |  | SOLE |  | 0 | 0 | 1605 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A839 |  | 4652788 | 54965 | SH |  | SOLE |  | 0 | 0 | 54965 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A821 |  | 268787 | 2908 | SH |  | SOLE |  | 0 | 0 | 2908 |
| STRYKER CORPORATION | COM | 863667101 |  | 383806 | 1092 | SH |  | SOLE |  | 0 | 0 | 1092 |
| TREX CO INC | COM | 89531P105 |  | 721526 | 20568 | SH |  | SOLE |  | 0 | 0 | 20568 |
| UNION PAC CORP | COM | 907818108 |  | 287467 | 1243 | SH |  | SOLE |  | 0 | 0 | 1243 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 6656438 | 89867 | SH |  | SOLE |  | 0 | 0 | 89867 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1293805 | 2652 | SH |  | SOLE |  | 0 | 0 | 2652 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 9806866 | 35132 | SH |  | SOLE |  | 0 | 0 | 35132 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 8063464 | 38073 | SH |  | SOLE |  | 0 | 0 | 38073 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 12982902 | 73197 | SH |  | SOLE |  | 0 | 0 | 73197 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2027979 | 6049 | SH |  | SOLE |  | 0 | 0 | 6049 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 4252674 | 14077 | SH |  | SOLE |  | 0 | 0 | 14077 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 2000825 | 6356 | SH |  | SOLE |  | 0 | 0 | 6356 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2305250 | 12070 | SH |  | SOLE |  | 0 | 0 | 12070 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1110497 | 12549 | SH |  | SOLE |  | 0 | 0 | 12549 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 5651775 | 21910 | SH |  | SOLE |  | 0 | 0 | 21910 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 18868883 | 65016 | SH |  | SOLE |  | 0 | 0 | 65016 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 212567 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 727935 | 9896 | SH |  | SOLE |  | 0 | 0 | 9896 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 14722873 | 273863 | SH |  | SOLE |  | 0 | 0 | 273863 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 9709934 | 67745 | SH |  | SOLE |  | 0 | 0 | 67745 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 9093582 | 180823 | SH |  | SOLE |  | 0 | 0 | 180823 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 981098 | 4464 | SH |  | SOLE |  | 0 | 0 | 4464 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3449734 | 55222 | SH |  | SOLE |  | 0 | 0 | 55222 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 10037309 | 109757 | SH |  | SOLE |  | 0 | 0 | 109757 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 12990150 | 144335 | SH |  | SOLE |  | 0 | 0 | 144335 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 364937 | 3017 | SH |  | SOLE |  | 0 | 0 | 3017 |
| WEST PHARMACEUTICAL SVSC INC | COM | 955306105 |  | 419314 | 1524 | SH |  | SOLE |  | 0 | 0 | 1524 |

---