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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AON PLC SHS CL A G0403H108   263,373 907 SH   SOLE   907 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   454,078 1,306 SH   SOLE   1,306 0 0
ICON PLC SHS G4705A100   219,379 775 SH   SOLE   775 0 0
LINDE PLC SHS G54950103   558,118 1,368 SH   SOLE   1,368 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102   215,345 582 SH   SOLE   582 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   320,934 426 SH   SOLE   426 0 0
FERRARI N V COM N3167Y103   246,715 729 SH   SOLE   729 0 0
ALPS ETF TR SECTR DIV DOGS 00162Q858   294,745 5,750 SH   SOLE   5,750 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   367,780 39,084 SH   SOLE   39,084 0 0
ABBVIE INC COM 00287Y109   242,681 1,624 SH   SOLE   1,624 0 0
ADOBE INC COM 00724F101   257,135 440 SH   SOLE   440 0 0
ALPHABET INC CAP STK CL C 02079K107   3,028,727 21,587 SH   SOLE   21,587 0 0
ALPHABET INC CAP STK CL A 02079K305   6,101,796 43,877 SH   SOLE   43,877 0 0
AMAZON COM INC COM 023135106   9,470,876 62,545 SH   SOLE   62,545 0 0
AMBEV SA SPONSORED ADR 02319V103   66,332 22,652 SH   SOLE   22,652 0 0
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   258,613 13,964 SH   SOLE   13,964 0 0
AMERICAN INTL GROUP INC COM NEW 026874784   215,310 3,193 SH   SOLE   3,193 0 0
AMGEN INC COM 031162100   750,004 2,615 SH   SOLE   2,615 0 0
ANALOG DEVICES INC COM 032654105   213,252 1,084 SH   SOLE   1,084 0 0
APPLE INC COM 037833100   13,971,892 72,433 SH   SOLE   72,433 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   346,516 5,287 SH   SOLE   5,287 0 0
ATLASSIAN CORPORATION CL A 049468101   239,287 1,010 SH   SOLE   1,010 0 0
BP PLC SPONSORED ADR 055622104   239,724 6,239 SH   SOLE   6,239 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   164,372 18,043 SH   SOLE   18,043 0 0
BANCO SANTANDER S.A. ADR 05964H105   209,881 50,696 SH   SOLE   50,696 0 0
BANK AMERICA CORP COM 060505104   2,712,269 80,808 SH   SOLE   80,808 0 0
BANK NEW YORK MELLON CORP COM 064058100   3,158,550 60,702 SH   SOLE   60,702 0 0
BAXTER INTL INC COM 071813109   860,783 22,116 SH   SOLE   22,116 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   542,625 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,438,396 4,074 SH   SOLE   4,074 0 0
BHP GROUP LTD SPONSORED ADS 088606108   271,669 3,977 SH   SOLE   3,977 0 0
BLACKROCK INC COM 09247X101   225,988 281 SH   SOLE   281 0 0
BLACKSTONE INC COM 09260D107   1,210,896 9,275 SH   SOLE   9,275 0 0
BLADE AIR MOBILITY INC CL A COM 092667104   441,250 125,000 SH   SOLE   125,000 0 0
BROADCOM INC COM 11135F101   1,550,260 1,406 SH   SOLE   1,406 0 0
CVS HEALTH CORP COM 126650100   235,696 2,985 SH   SOLE   2,985 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   250,047 3,157 SH   SOLE   3,157 0 0
CHEVRON CORP NEW COM 166764100   409,589 2,724 SH   SOLE   2,724 0 0
CISCO SYS INC COM 17275R102   362,885 6,696 SH   SOLE   6,696 0 0
COINBASE GLOBAL INC COM CL A 19260Q107   585,763 3,368 SH   SOLE   3,368 0 0
COMCAST CORP NEW CL A 20030N101   458,934 8,646 SH   SOLE   8,646 0 0
CONOCOPHILLIPS COM 20825C104   336,603 2,945 SH   SOLE   2,945 0 0
COSTCO WHSL CORP NEW COM 22160K105   462,831 679 SH   SOLE   679 0 0
CRESCENT CAP BDC INC COM 225655109   4,220,627 242,844 SH   SOLE   242,844 0 0
DANAHER CORPORATION COM 235851102   938,604 4,068 SH   SOLE   4,068 0 0
DELL TECHNOLOGIES INC CL C 24703L202   285,575 3,733 SH   SOLE   3,733 0 0
DIAMONDBACK ENERGY INC COM 25278X109   210,599 1,367 SH   SOLE   1,367 0 0
DIAMONDROCK HOSPITALITY CO COM 252784301   345,458 36,790 SH   SOLE   36,790 0 0
DISNEY WALT CO COM 254687106   270,123 3,026 SH   SOLE   3,026 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   410,285 4,247 SH   SOLE   4,247 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   414,014 30,001 SH   SOLE   30,001 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   624,666 23,706 SH   SOLE   23,706 0 0
EXPEDIA GROUP INC COM NEW 30212P303   252,123 1,665 SH   SOLE   1,665 0 0
EXXON MOBIL CORP COM 30231G102   810,933 7,822 SH   SOLE   7,822 0 0
META PLATFORMS INC CL A 30303M102   4,412,054 12,562 SH   SOLE   12,562 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,522,685 37,184 SH   SOLE   37,184 0 0
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106   214,947 1,649 SH   SOLE   1,649 0 0
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   160,733 120,010 SH   SOLE   120,010 0 0
GSK PLC SPONSORED ADR 37733W204   1,204,711 32,197 SH   SOLE   32,197 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   206,252 2,199 SH   SOLE   2,199 0 0
GRACO INC COM 384109104   660,851 7,617 SH   SOLE   7,617 0 0
HALEON PLC SPON ADS 405552100   392,196 47,654 SH   SOLE   47,654 0 0
HIMAX TECHNOLOGIES INC SPONSORED ADR 43289P106   110,413 18,190 SH   SOLE   18,190 0 0
HOME DEPOT INC COM 437076102   319,171 943 SH   SOLE   943 0 0
HONEYWELL INTL INC COM 438516106   1,656,080 7,946 SH   SOLE   7,946 0 0
ICICI BANK LIMITED ADR 45104G104   203,689 8,568 SH   SOLE   8,568 0 0
INFOSYS LTD SPONSORED ADR 456788108   208,668 11,354 SH   SOLE   11,354 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   6,775,059 41,447 SH   SOLE   41,447 0 0
ISHARES INC MSCI BRAZIL ETF 464286400   1,751,496 50,100 SH   SOLE   50,100 0 0
ISHARES INC MSCI THAILND ETF 464286624   267,597 4,190 SH   SOLE   4,190 0 0
ISHARES INC MSCI MEXICO ETF 464286822   5,791,227 92,385 SH   SOLE   92,385 0 0
ISHARES TR SELECT DIVID ETF 464287168   747,981 6,381 SH   SOLE   6,381 0 0
ISHARES TR CORE S&P500 ETF 464287200   21,415,974 44,838 SH   SOLE   44,838 0 0
ISHARES TR S&P 500 VAL ETF 464287408   278,196 1,600 SH   SOLE   1,600 0 0
ISHARES TR MSCI EAFE ETF 464287465   571,515 7,585 SH   SOLE   7,585 0 0
ISHARES TR CORE S&P MCP ETF 464287507   338,123 1,220 SH   SOLE   1,220 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   927,001 3,058 SH   SOLE   3,058 0 0
ISHARES TR SHORT TREAS BD 464288679   1,495,565 13 SH   SOLE   13 0 0
ISHARES TR MICRO-CAP ETF 464288869   401,258 3,458 SH   SOLE   3,458 0 0
ISHARES TR MSCI EURO FL ETF 464289180   3,195,805 152,472 SH   SOLE   152,472 0 0
ISHARES TR MSCI INDIA ETF 46429B598   2,929,674 69,132 SH   SOLE   69,132 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   1,467,998 22,887 SH   SOLE   22,887 0 0
JPMORGAN CHASE & CO COM 46625H100   947,457 5,622 SH   SOLE   5,622 0 0
JOHNSON & JOHNSON COM 478160104   526,646 3,551 SH   SOLE   3,551 0 0
KB FINL GROUP INC SPONSORED ADR 48241A105   262,700 6,270 SH   SOLE   6,270 0 0
KKR & CO INC COM 48251W104   286,474 3,433 SH   SOLE   3,433 0 0
KT CORP SPONSORED ADR 48268K101   198,952 14,810 SH   SOLE   14,810 0 0
KRANESHARES TR CSI CHI INTERNET 500767306   575,100 31,300 SH   SOLE   31,300 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100   214,761 10,335 SH   SOLE   10,335 0 0
LIBERTY BROADBAND CORP COM SER A 530307107   1,026,144 12,725 SH   SOLE   12,725 0 0
LIBERTY BROADBAND CORP COM SER C 530307305   833,542 10,349 SH   SOLE   10,349 0 0
LIBERTY MEDIA CORP DEL COM LBTY SRM S A 531229813   291,079 10,128 SH   SOLE   10,128 0 0
ELI LILLY & CO COM 532457108   2,264,644 3,901 SH   SOLE   3,901 0 0
LIVE NATION ENTERTAINMENT IN COM 538034109   1,021,738 10,923 SH   SOLE   10,923 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   159,783 66,855 SH   SOLE   66,855 0 0
LOWES COS INC COM 548661107   253,262 1,148 SH   SOLE   1,148 0 0
LULULEMON ATHLETICA INC COM 550021109   6,341,530 12,405 SH   SOLE   12,405 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,269,953 2,992 SH   SOLE   2,992 0 0
MERCADOLIBRE INC COM 58733R102   204,300 101 SH   SOLE   101 0 0
MERCK & CO INC COM 58933Y105   318,156 2,989 SH   SOLE   2,989 0 0
MICROSOFT CORP COM 594918104   5,337,542 14,338 SH   SOLE   14,338 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   35,140 10,215 SH   SOLE   10,215 0 0
MORGAN STANLEY COM NEW 617446448   2,369,203 25,430 SH   SOLE   25,430 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   882,223 2,813 SH   SOLE   2,813 0 0
NETFLIX INC COM 64110L106   224,939 893 SH   SOLE   893 0 0
NEXTERA ENERGY INC COM 65339F101   258,084 4,540 SH   SOLE   4,540 0 0
NOVARTIS AG SPONSORED ADR 66987V109   250,709 2,483 SH   SOLE   2,483 0 0
NOVO-NORDISK A S ADR 670100205   466,353 4,508 SH   SOLE   4,508 0 0
NVIDIA CORPORATION COM 67066G104   1,121,673 2,319 SH   SOLE   2,319 0 0
ONEOK INC NEW COM 682680103   463,416 6,613 SH   SOLE   6,613 0 0
ORACLE CORP COM 68389X105   285,083 2,785 SH   SOLE   2,785 0 0
PEPSICO INC COM 713448108   351,792 2,184 SH   SOLE   2,184 0 0
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106   248,687 9,858 SH   SOLE   9,858 0 0
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   258,963 15,538 SH   SOLE   15,538 0 0
PFIZER INC COM 717081103   2,573,135 86,887 SH   SOLE   86,887 0 0
PHILIP MORRIS INTL INC COM 718172109   449,259 4,744 SH   SOLE   4,744 0 0
PROCTER AND GAMBLE CO COM 742718109   336,597 2,331 SH   SOLE   2,331 0 0
PROGRESSIVE CORP COM 743315103   225,222 1,426 SH   SOLE   1,426 0 0
QUALCOMM INC COM 747525103   211,449 1,483 SH   SOLE   1,483 0 0
QURATE RETAIL INC COM SER B 74915M209   1,497,804 229,022 SH   SOLE   229,022 0 0
RAYMOND JAMES FINL INC COM 754730109   377,831 3,383 SH   SOLE   3,383 0 0
RTX CORPORATION COM 75513E101   237,443 2,854 SH   SOLE   2,854 0 0
ROCKET COS INC COM CL A 77311W101   1,158,400 80,000 SH   SOLE   80,000 0 0
ROYAL BK CDA COM 780087102   2,673,574 26,437 SH   SOLE   26,437 0 0
SHELL PLC SPON ADS 780259305   415,856 6,291 SH   SOLE   6,291 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   34,761,754 72,842 SH   SOLE   72,842 0 0
SPDR SER TR S&P DIVID ETF 78464A763   6,439,329 51,527 SH   SOLE   51,527 0 0
SPDR SER TR S&P BK ETF 78464A797   1,732,487 29,921 SH   SOLE   29,921 0 0
SPDR SER TR OILGAS EQUIP 78468R549   1,644,909 19,464 SH   SOLE   19,464 0 0
SALESFORCE INC COM 79466L302   225,511 904 SH   SOLE   904 0 0
SANOFI SPONSORED ADR 80105N105   504,063 10,007 SH   SOLE   10,007 0 0
SAP SE SPON ADR 803054204   301,914 1,953 SH   SOLE   1,953 0 0
SCHWAB CHARLES CORP COM 808513105   446,460 6,557 SH   SOLE   6,557 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,492,974 18,157 SH   SOLE   18,157 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,830,889 26,118 SH   SOLE   26,118 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,886,939 25,052 SH   SOLE   25,052 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,516,364 32,099 SH   SOLE   32,099 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,532,097 33,260 SH   SOLE   33,260 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   892,885 24,158 SH   SOLE   24,158 0 0
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   202,717 6,586 SH   SOLE   6,586 0 0
SNAP INC CL A 83304A106   1,662,018 98,170 SH   SOLE   98,170 0 0
SNOWFLAKE INC CL A 833445109   329,543 1,663 SH   SOLE   1,663 0 0
SONY GROUP CORP SPONSORED ADR 835699307   366,545 3,871 SH   SOLE   3,871 0 0
SOUTHERN CO COM 842587107   240,089 3,451 SH   SOLE   3,451 0 0
STARBUCKS CORP COM 855244109   217,847 2,281 SH   SOLE   2,281 0 0
SUNOPTA INC COM 8676EP108   54,705 10,001 SH   SOLE   10,001 0 0
TPG INC COM CL A 872657101   215,850 5,000 SH   SOLE   5,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   878,164 8,273 SH   SOLE   8,273 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   144,127 10,110 SH   SOLE   10,110 0 0
TEGNA INC COM 87901J105   184,965 12,000 SH   SOLE   12,000 0 0
TESLA INC COM 88160R101   393,095 1,573 SH   SOLE   1,573 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   421,196 822 SH   SOLE   822 0 0
3M CO COM 88579Y101   217,984 2,004 SH   SOLE   2,004 0 0
UBER TECHNOLOGIES INC COM 90353T100   907,357 14,779 SH   SOLE   14,779 0 0
UNILEVER PLC SPON ADR NEW 904767704   331,118 6,795 SH   SOLE   6,795 0 0
UNITEDHEALTH GROUP INC COM 91324P102   661,242 1,229 SH   SOLE   1,229 0 0
VALE S A SPONSORED ADS 91912E105   201,152 12,683 SH   SOLE   12,683 0 0
VALLEY NATL BANCORP COM 919794107   14,251,837 1,298,874 SH   SOLE   1,298,874 0 0
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   2,051,310 25,211 SH   SOLE   25,211 0 0
VANECK ETF TRUST BIOTECH ETF 92189F726   1,636,613 9,900 SH   SOLE   9,900 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   12,719,097 74,790 SH   SOLE   74,790 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   302,328 1,800 SH   SOLE   1,800 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,468,090 302,289 SH   SOLE   302,289 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   809,318 7,250 SH   SOLE   7,250 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,756,470 19,038 SH   SOLE   19,038 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   20,359,896 198,292 SH   SOLE   198,292 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,356,617 33,059 SH   SOLE   33,059 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   237,840 3,302 SH   SOLE   3,302 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   276,361 4,286 SH   SOLE   4,286 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,142,801 19,592 SH   SOLE   19,592 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   301,854 3,722 SH   SOLE   3,722 0 0
VELO3D INC COMMON STOCK 92259N104   5,566 14,000 SH   SOLE   14,000 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   723,276 9,834 SH   SOLE   9,834 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,862,787 6,555 SH   SOLE   6,555 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   576,117 2,388 SH   SOLE   2,388 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   431,919 2,400 SH   SOLE   2,400 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   871,320 3,775 SH   SOLE   3,775 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   204,407 937 SH   SOLE   937 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,470,490 8,019 SH   SOLE   8,019 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,556,873 17,136 SH   SOLE   17,136 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   567,983 2,687 SH   SOLE   2,687 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   13,678,469 58,074 SH   SOLE   58,074 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   276,039 7,555 SH   SOLE   7,555 0 0
VIATRIS INC COM 92556V106   148,837 13,743 SH   SOLE   13,743 0 0
VISA INC COM CL A 92826C839   381,150 1,492 SH   SOLE   1,492 0 0
WELLS FARGO CO NEW COM 949746101   2,795,056 56,867 SH   SOLE   56,867 0 0
WISDOMTREE TR US AI ENHANCED 97717W406   791,153 8,249 SH   SOLE   8,249 0 0
WORKDAY INC CL A 98138H101   309,463 1,125 SH   SOLE   1,125 0 0
ZOETIS INC CL A 98978V103   791,848 4,022 SH   SOLE   4,022 0 0