The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
ABBOTT LABS COM 002824100 BBG001S5N9M6 308,701 2,716 SH   SOLE   0 0 2,716
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 818,357 4,494 SH   SOLE   0 0 4,494
ACADEMY SPORTS & OUTDOORS IN COM 00402L107 BBG00X7L1CW0 266,783 3,950 SH   SOLE   0 0 3,950
ADOBE INC COM 00724F101 BBG001S5NCQ5 266,933 529 SH   SOLE   0 0 529
AES CORP COM 00130H105 BBG001S6B1L5 181,936 10,147 SH   SOLE   0 0 10,147
ALLEGION PLC ORD SHS G0176J109 BBG003PS7JW0 351,728 2,611 SH   SOLE   0 0 2,611
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,114,618 7,385 SH   SOLE   0 0 7,385
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,644,283 10,799 SH   SOLE   0 0 10,799
AMAZON COM INC COM 023135106 BBG001S5PQL7 4,014,718 22,257 SH   SOLE   0 0 22,257
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 599,720 12,655 SH   SOLE   0 0 12,655
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 844,275 3,708 SH   SOLE   0 0 3,708
APPLE INC COM 037833100 BBG001S5N8V8 13,209,013 77,029 SH   SOLE   0 0 77,029
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 298,002 1,445 SH   SOLE   0 0 1,445
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 345,487 356 SH   SOLE   0 0 356
AT&T INC COM 00206R102 BBG001S5VWH2 588,395 33,432 SH   SOLE   0 0 33,432
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,216,322 32,076 SH   SOLE   0 0 32,076
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 335,047 1,354 SH   SOLE   0 0 1,354
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,584,949 6,147 SH   SOLE   0 0 6,147
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 458,751 7,952 SH   SOLE   0 0 7,952
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 BBG001S5PKX7 767,045 65,954 SH   SOLE   0 0 65,954
BLACKROCK MUNIYIELD N Y QUAL COM 09255E102 BBG001S6TRK0 270,290 25,693 SH   SOLE   0 0 25,693
BOEING CO COM 097023105 BBG001S5P0V3 562,373 2,914 SH   SOLE   0 0 2,914
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 499,224 7,289 SH   SOLE   0 0 7,289
BROADCOM INC COM 11135F101 BBG00KHY5SY8 327,376 247 SH   SOLE   0 0 247
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 BBG004K1ZMP2 7,398,089 100,970 SH   SOLE   0 0 100,970
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 293,754 13,079 SH   SOLE   0 0 13,079
CATERPILLAR INC COM 149123101 BBG001S5PJ06 637,955 1,741 SH   SOLE   0 0 1,741
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 427,160 2,708 SH   SOLE   0 0 2,708
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 267,681 1,033 SH   SOLE   0 0 1,033
CISCO SYS INC COM 17275R102 BBG001S6HC62 435,315 8,722 SH   SOLE   0 0 8,722
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 761,100 12,035 SH   SOLE   0 0 12,035
CNH INDL N V SHS N20944109 BBG0059JSF67 161,093 12,430 SH   SOLE   0 0 12,430
COCA COLA CO COM 191216100 BBG001S5SMQ8 506,387 8,277 SH   SOLE   0 0 8,277
COHEN & STEERS QUALITY INCOM COM 19247L106 BBG001SG5559 200,057 16,561 SH   SOLE   0 0 16,561
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 5,503,176 176,951 SH   SOLE   0 0 176,951
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 841,556 19,413 SH   SOLE   0 0 19,413
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 519,302 4,080 SH   SOLE   0 0 4,080
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 536,545 5,908 SH   SOLE   0 0 5,908
CONSTELLATION ENERGY CORP COM 21037T109 BBG014KFRPJ9 206,108 1,115 SH   SOLE   0 0 1,115
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 730,447 997 SH   SOLE   0 0 997
CUMMINS INC COM 231021106 BBG001S5Q9M3 299,364 1,016 SH   SOLE   0 0 1,016
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 590,304 7,401 SH   SOLE   0 0 7,401
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 587,591 2,353 SH   SOLE   0 0 2,353
DEERE & CO COM 244199105 BBG001S5QFF7 934,129 2,274 SH   SOLE   0 0 2,274
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 3,364,477 129,602 SH   SOLE   0 0 129,602
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,588,087 64,243 SH   SOLE   0 0 64,243
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 2,086,628 56,779 SH   SOLE   0 0 56,779
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 1,765,378 65,530 SH   SOLE   0 0 65,530
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 259,013 5,386 SH   SOLE   0 0 5,386
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,172,133 9,579 SH   SOLE   0 0 9,579
DOW INC COM 260557103 BBG00BN96931 259,237 4,475 SH   SOLE   0 0 4,475
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 281,620 2,912 SH   SOLE   0 0 2,912
EATON CORP PLC SHS G29183103 BBG001S5QZ45 731,671 2,340 SH   SOLE   0 0 2,340
ELI LILLY & CO COM 532457108 BBG001S5STL8 2,275,533 2,925 SH   SOLE   0 0 2,925
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 223,169 7,648 SH   SOLE   0 0 7,648
EOG RES INC COM 26875P101 BBG001S5ZB93 261,177 2,043 SH   SOLE   0 0 2,043
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,550,538 21,942 SH   SOLE   0 0 21,942
FEDEX CORP COM 31428X106 BBG001S5R3M5 268,010 925 SH   SOLE   0 0 925
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 BBG01K4JLZG0 346,696 12,143 SH   SOLE   0 0 12,143
FIDELITY COVINGTON TRUST ENHANCED MID 31609A503 BBG01K785QY9 366,907 12,014 SH   SOLE   0 0 12,014
FIDELITY COVINGTON TRUST HIGH YILD ETF 316092618 BBG00L4J9F40 317,520 6,615 SH   SOLE   0 0 6,615
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 BBG005FHWXW1 335,610 5,650 SH   SOLE   0 0 5,650
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 649,111 14,326 SH   SOLE   0 0 14,326
FIFTH THIRD BANCORP COM 316773100 BBG001S5R6S2 326,606 8,777 SH   SOLE   0 0 8,777
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 252,111 6,528 SH   SOLE   0 0 6,528
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 512,565 10,901 SH   SOLE   0 0 10,901
GATX CORP COM 361448103 BBG001S5RM34 201,045 1,500 SH   SOLE   0 0 1,500
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 237,292 840 SH   SOLE   0 0 840
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 1,051,600 5,991 SH   SOLE   0 0 5,991
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 229,098 11,364 SH   SOLE   0 0 11,364
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 362,973 869 SH   SOLE   0 0 869
HESS CORP COM 42809H107 BBG001S5NHS2 248,651 1,629 SH   SOLE   0 0 1,629
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,784,891 4,653 SH   SOLE   0 0 4,653
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 954,823 4,652 SH   SOLE   0 0 4,652
INGERSOLL RAND INC COM 45687V106 BBG002R1CW36 1,551,103 16,336 SH   SOLE   0 0 16,336
INTEL CORP COM 458140100 BBG001S5SF65 593,115 13,428 SH   SOLE   0 0 13,428
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 507,763 2,659 SH   SOLE   0 0 2,659
INTUIT COM 461202103 BBG001S6TWR2 733,200 1,128 SH   SOLE   0 0 1,128
INVESCO EXCH TRADED FD TR II FNDMNTL IG CRP 46138E693 BBG0022HSYN5 518,731 22,116 SH   SOLE   0 0 22,116
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 3,403,706 68,554 SH   SOLE   0 0 68,554
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 2,066,085 67,365 SH   SOLE   0 0 67,365
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300 BBG00GBGVB98 5,701,192 138,446 SH   SOLE   0 0 138,446
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 BBG001SS5KV1 1,524,140 14,082 SH   SOLE   0 0 14,082
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 14,344,238 372,868 SH   SOLE   0 0 372,868
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 BBG001SLKDX3 924,534 49,867 SH   SOLE   0 0 49,867
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 4,984,925 46,811 SH   SOLE   0 0 46,811
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 BBG001SS30K9 815,140 7,407 SH   SOLE   0 0 7,407
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 BBG001SJW5Y1 754,064 13,887 SH   SOLE   0 0 13,887
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 14,142,769 83,502 SH   SOLE   0 0 83,502
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 BBG00KJR2X19 1,696,738 19,185 SH   SOLE   0 0 19,185
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 452,667 7,492 SH   SOLE   0 0 7,492
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,059,852 2,387 SH   SOLE   0 0 2,387
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 239,166 4,635 SH   SOLE   0 0 4,635
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 722,388 12,548 SH   SOLE   0 0 12,548
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 401,415 5,626 SH   SOLE   0 0 5,626
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 2,175,330 21,878 SH   SOLE   0 0 21,878
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 444,117 7,649 SH   SOLE   0 0 7,649
ISHARES TR CORE DIVID ETF 46435U861 BBG00J5M0G99 1,777,108 39,935 SH   SOLE   0 0 39,935
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 834,455 11,243 SH   SOLE   0 0 11,243
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 629,809 9,281 SH   SOLE   0 0 9,281
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,814,312 62,797 SH   SOLE   0 0 62,797
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,605,624 23,576 SH   SOLE   0 0 23,576
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 4,553,021 50,343 SH   SOLE   0 0 50,343
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 10,079,206 19,172 SH   SOLE   0 0 19,172
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,236,172 31,180 SH   SOLE   0 0 31,180
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,002,134 15,824 SH   SOLE   0 0 15,824
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,234,826 22,699 SH   SOLE   0 0 22,699
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 5,779,439 215,169 SH   SOLE   0 0 215,169
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 724,490 14,189 SH   SOLE   0 0 14,189
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 446,899 4,103 SH   SOLE   0 0 4,103
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 233,004 7,065 SH   SOLE   0 0 7,065
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 5,238,484 101,521 SH   SOLE   0 0 101,521
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 450,455 4,874 SH   SOLE   0 0 4,874
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 375,727 8,068 SH   SOLE   0 0 8,068
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 885,967 11,094 SH   SOLE   0 0 11,094
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 1,396,123 19,697 SH   SOLE   0 0 19,697
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 5,913,266 149,099 SH   SOLE   0 0 149,099
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 4,026,411 24,499 SH   SOLE   0 0 24,499
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,971,159 27,613 SH   SOLE   0 0 27,613
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 615,156 11,432 SH   SOLE   0 0 11,432
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 3,966,173 13,770 SH   SOLE   0 0 13,770
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 10,271,262 30,474 SH   SOLE   0 0 30,474
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 11,053,342 61,713 SH   SOLE   0 0 61,713
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 247,227 2,166 SH   SOLE   0 0 2,166
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 343,655 2,742 SH   SOLE   0 0 2,742
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 812,814 9,666 SH   SOLE   0 0 9,666
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 417,656 1,986 SH   SOLE   0 0 1,986
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 2,107,561 24,959 SH   SOLE   0 0 24,959
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 275,732 1,476 SH   SOLE   0 0 1,476
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 904,653 9,914 SH   SOLE   0 0 9,914
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 1,900,329 16,065 SH   SOLE   0 0 16,065
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 348,395 2,665 SH   SOLE   0 0 2,665
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 385,677 3,131 SH   SOLE   0 0 3,131
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 488,352 4,752 SH   SOLE   0 0 4,752
ISHARES TR US REGNL BKS ETF 464288778 BBG001SQZTM3 244,099 5,627 SH   SOLE   0 0 5,627
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 BBG01J345HV8 491,361 8,779 SH   SOLE   0 0 8,779
J P MORGAN EXCHANGE TRADED F MKT EXPN ENHNCD 46641Q118 BBG016CBQDW5 220,073 3,760 SH   SOLE   0 0 3,760
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 13,002,067 245,925 SH   SOLE   0 0 245,925
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209 BBG00C9Y3BD7 2,178,637 31,159 SH   SOLE   0 0 31,159
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 976,505 21,652 SH   SOLE   0 0 21,652
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,236,729 7,818 SH   SOLE   0 0 7,818
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,902,464 9,498 SH   SOLE   0 0 9,498
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 253,580 261 SH   SOLE   0 0 261
LINDE PLC SHS G54950103 BBG01FND0CH6 237,732 512 SH   SOLE   0 0 512
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 38,148 14,729 SH   SOLE   0 0 14,729
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 509,909 1,121 SH   SOLE   0 0 1,121
LOWES COS INC COM 548661107 BBG001S5SVL3 1,215,317 4,771 SH   SOLE   0 0 4,771
M & T BK CORP COM 55261F104 BBG001S7S2B4 240,121 1,651 SH   SOLE   0 0 1,651
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 296,199 1,438 SH   SOLE   0 0 1,438
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 528,694 7,459 SH   SOLE   0 0 7,459
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 482,535 1,002 SH   SOLE   0 0 1,002
MCDONALDS CORP COM 580135101 BBG001S5T110 342,005 1,213 SH   SOLE   0 0 1,213
MERCK & CO INC COM 58933Y105 BBG001S5TC52 2,013,161 15,257 SH   SOLE   0 0 15,257
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,276,590 2,629 SH   SOLE   0 0 2,629
MICRON TECHNOLOGY INC COM 595112103 BBG001S6P675 229,886 1,950 SH   SOLE   0 0 1,950
MICROSOFT CORP COM 594918104 BBG001S5TD05 7,458,103 17,727 SH   SOLE   0 0 17,727
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 545,230 7,789 SH   SOLE   0 0 7,789
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 719,477 7,641 SH   SOLE   0 0 7,641
NETFLIX INC COM 64110L106 BBG001SF6L46 304,896 502 SH   SOLE   0 0 502
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 476,513 7,456 SH   SOLE   0 0 7,456
NIKE INC CL B 654106103 BBG001S6NTK2 411,453 4,378 SH   SOLE   0 0 4,378
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 554,852 2,177 SH   SOLE   0 0 2,177
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 335,509 2,613 SH   SOLE   0 0 2,613
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 527,541 47,655 SH   SOLE   0 0 47,655
NUVEEN AMT-FREE MUN VALUE FD COM 670695105 BBG001S6RMX9 317,426 23,513 SH   SOLE   0 0 23,513
NUVEEN MUN VALUE FD INC COM 670928100 BBG001S5TS84 1,440,712 165,409 SH   SOLE   0 0 165,409
NUVEEN N Y MUN VALUE FD COM 67062M105 BBG001S5TNX7 990,604 119,063 SH   SOLE   0 0 119,063
NUVEEN N Y SELECT TAX FREE I SH BEN INT 67063V104 BBG001S72H47 277,684 23,856 SH   SOLE   0 0 23,856
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 BBG001SHM0F8 512,002 42,384 SH   SOLE   0 0 42,384
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 BBG001S70MD8 225,755 15,634 SH   SOLE   0 0 15,634
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,080,674 3,409 SH   SOLE   0 0 3,409
ORACLE CORP COM 68389X105 BBG001S5SJG6 3,015,268 24,005 SH   SOLE   0 0 24,005
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 926,519 18,847 SH   SOLE   0 0 18,847
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 423,571 7,289 SH   SOLE   0 0 7,289
PEPSICO INC COM 713448108 BBG001S695T1 796,655 4,552 SH   SOLE   0 0 4,552
PFIZER INC COM 717081103 BBG001S5V466 1,284,159 46,276 SH   SOLE   0 0 46,276
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 610,117 12,276 SH   SOLE   0 0 12,276
PHILLIPS 66 COM 718546104 BBG00286S4P7 265,264 1,624 SH   SOLE   0 0 1,624
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 569,877 10,861 SH   SOLE   0 0 10,861
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 640,421 3,963 SH   SOLE   0 0 3,963
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 906,491 5,587 SH   SOLE   0 0 5,587
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 2,719,512 26,817 SH   SOLE   0 0 26,817
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 313,799 4,699 SH   SOLE   0 0 4,699
QUALCOMM INC COM 747525103 BBG001S6VS70 769,469 4,545 SH   SOLE   0 0 4,545
RIO TINTO PLC SPONSORED ADR 767204100 BBG001SB0LX9 291,228 4,569 SH   SOLE   0 0 4,569
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 386,804 3,966 SH   SOLE   0 0 3,966
SAFEHOLD INC COM 78646V107 BBG001SDG572 225,103 10,927 SH   SOLE   0 0 10,927
SALESFORCE INC COM 79466L302 BBG001SDLP09 237,631 789 SH   SOLE   0 0 789
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 3,840,975 108,288 SH   SOLE   0 0 108,288
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 620,367 7,694 SH   SOLE   0 0 7,694
SEALED AIR CORP NEW COM 81211K100 BBG001SBSZ95 1,685,904 45,320 SH   SOLE   0 0 45,320
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 844,819 20,057 SH   SOLE   0 0 20,057
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 408,866 3,246 SH   SOLE   0 0 3,246
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 254,126 3,328 SH   SOLE   0 0 3,328
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 222,925 1,509 SH   SOLE   0 0 1,509
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 657,300 3,156 SH   SOLE   0 0 3,156
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 211,913 3,161 SH   SOLE   0 0 3,161
SHOPIFY INC CL A 82509L107 BBG004DW5NC7 293,246 3,800 SH   SOLE   0 0 3,800
SIMON PPTY GROUP INC NEW COM 828806109 BBG001S77WM9 215,330 1,376 SH   SOLE   0 0 1,376
SNOWFLAKE INC CL A 833445109 BBG007DHGNK2 348,086 2,154 SH   SOLE   0 0 2,154
SOUTHERN CO COM 842587107 BBG001S5W777 404,912 5,644 SH   SOLE   0 0 5,644
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,904,551 5,553 SH   SOLE   0 0 5,553
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 3,358,987 6,037 SH   SOLE   0 0 6,037
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 239,571 3,280 SH   SOLE   0 0 3,280
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 1,126,584 43,853 SH   SOLE   0 0 43,853
SPDR SER TR PORTFOLIO CRPORT 78464A144 BBG001V10544 2,096,677 72,026 SH   SOLE   0 0 72,026
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 2,313,831 70,781 SH   SOLE   0 0 70,781
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 3,045,215 70,753 SH   SOLE   0 0 70,753
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 332,471 11,168 SH   SOLE   0 0 11,168
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 5,565,065 76,077 SH   SOLE   0 0 76,077
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,905,650 57,997 SH   SOLE   0 0 57,997
SPDR SER TR S&P BIOTECH 78464A870 BBG001SQDKG3 210,086 2,214 SH   SOLE   0 0 2,214
STRYKER CORPORATION COM 863667101 BBG001S8FR03 600,148 1,677 SH   SOLE   0 0 1,677
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 299,038 2,198 SH   SOLE   0 0 2,198
TEMPLETON EMERGING MKTS INCO COM 880192109 BBG001S5WMJ1 76,020 14,000 SH   SOLE   0 0 14,000
TESLA INC COM 88160R101 BBG001SQKGD7 365,995 2,082 SH   SOLE   0 0 2,082
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 429,654 1,183 SH   SOLE   0 0 1,183
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 313,272 539 SH   SOLE   0 0 539
TJX COS INC NEW COM 872540109 BBG001S5WQ93 748,784 7,383 SH   SOLE   0 0 7,383
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 257,702 4,268 SH   SOLE   0 0 4,268
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 3,843,160 12,802 SH   SOLE   0 0 12,802
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 354,592 7,065 SH   SOLE   0 0 7,065
UNION PAC CORP COM 907818108 BBG001S5X2M0 210,762 857 SH   SOLE   0 0 857
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 535,811 3,605 SH   SOLE   0 0 3,605
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,210,036 2,446 SH   SOLE   0 0 2,446
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 656,955 22,638 SH   SOLE   0 0 22,638
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 300,227 11,769 SH   SOLE   0 0 11,769
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 BBG005T08310 1,727,542 77,088 SH   SOLE   0 0 77,088
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 1,205,313 11,875 SH   SOLE   0 0 11,875
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,201,755 29,201 SH   SOLE   0 0 29,201
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 980,626 2,849 SH   SOLE   0 0 2,849
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 648,804 2,706 SH   SOLE   0 0 2,706
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 289,525 1,857 SH   SOLE   0 0 1,857
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 686,374 2,747 SH   SOLE   0 0 2,747
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 5,943,189 12,364 SH   SOLE   0 0 12,364
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,519,306 7,918 SH   SOLE   0 0 7,918
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 962,410 3,703 SH   SOLE   0 0 3,703
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 12,615,999 77,465 SH   SOLE   0 0 77,465
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 524,818 4,492 SH   SOLE   0 0 4,492
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 BBG01KG1P4G1 824,893 10,752 SH   SOLE   0 0 10,752
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,960,617 40,940 SH   SOLE   0 0 40,940
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,386,397 47,162 SH   SOLE   0 0 47,162
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 3,761,588 46,722 SH   SOLE   0 0 46,722
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 468,681 2,567 SH   SOLE   0 0 2,567
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 335,509 5,564 SH   SOLE   0 0 5,564
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,295,038 25,813 SH   SOLE   0 0 25,813
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,971,237 24,178 SH   SOLE   0 0 24,178
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 274,098 2,677 SH   SOLE   0 0 2,677
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 4,050,791 33,895 SH   SOLE   0 0 33,895
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 2,418,134 8,437 SH   SOLE   0 0 8,437
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 666,308 1,594 SH   SOLE   0 0 1,594
VISA INC COM CL A 92826C839 BBG001SRCFY3 867,102 3,107 SH   SOLE   0 0 3,107
WALMART INC COM 931142103 BBG001S5XH92 794,781 13,209 SH   SOLE   0 0 13,209
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 225,300 1,057 SH   SOLE   0 0 1,057
WATSCO INC COM 942622200 BBG001S82CQ2 212,097 491 SH   SOLE   0 0 491
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 979,872 16,906 SH   SOLE   0 0 16,906
WISDOMTREE TR GLB US QTLY DIV 97717W844 BBG001SHL791 3,077,265 79,127 SH   SOLE   0 0 79,127
WISDOMTREE TR ITL HIGH DIV FD 97717W802 BBG001SHLHN3 1,490,365 37,607 SH   SOLE   0 0 37,607
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 4,271,186 69,996 SH   SOLE   0 0 69,996
XYLEM INC COM 98419M100 BBG001V05C73 208,852 1,616 SH   SOLE   0 0 1,616