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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 1,039 34,371 SH   SOLE   0 0 34,371
ABBOTT LABS COM 002824100 334 3,657 SH   SOLE   0 0 3,657
ABBVIE INC COM 00287Y109 434 4,425 SH   SOLE   0 0 4,425
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 3,999 18,539 SH   SOLE   0 0 18,539
ALPHABET INC CAP STK CL C 02079K107 752 532 SH   SOLE   0 0 532
ALPHABET INC CAP STK CL A 02079K305 674 475 SH   SOLE   0 0 475
AMAZON COM INC COM 023135106 1,131 410 SH   SOLE   0 0 410
AMGEN INC COM 031162100 293 1,244 SH   SOLE   0 0 1,244
APPLE INC COM 037833100 8,452 23,169 SH   SOLE   0 0 23,169
BARNWELL INDS INC COM 068221100 47 51,726 SH   SOLE   0 0 51,726
BAXTER INTL INC COM 071813109 350 4,060 SH   SOLE   0 0 4,060
BLACKROCK N Y MUN INCOME TR SH BEN INT 09248L106 1,539 113,898 SH   SOLE   0 0 113,898
BLACKROCK CORE BD TR SHS BEN INT 09249E101 970 63,123 SH   SOLE   0 0 63,123
BLACKROCK MUNIYIELD FD INC COM 09253W104 158 11,660 SH   SOLE   0 0 11,660
BRISTOL-MYERS SQUIBB CO COM 110122108 319 5,423 SH   SOLE   0 0 5,423
BROOKFIELD REAL ASSETS INCOM SHS BEN INT 112830104 261 15,644 SH   SOLE   0 0 15,644
CVS HEALTH CORP COM 126650100 303 4,657 SH   SOLE   0 0 4,657
CARDINAL HEALTH INC COM 14149Y108 211 4,038 SH   SOLE   0 0 4,038
CATERPILLAR INC DEL COM 149123101 350 2,769 SH   SOLE   0 0 2,769
CHEVRON CORP NEW COM 166764100 337 3,776 SH   SOLE   0 0 3,776
CISCO SYS INC COM 17275R102 477 10,238 SH   SOLE   0 0 10,238
CLOROX CO DEL COM 189054109 606 2,764 SH   SOLE   0 0 2,764
CLOVIS ONCOLOGY INC COM 189464100 162 23,940 SH   SOLE   0 0 23,940
COCA COLA CO COM 191216100 378 8,449 SH   SOLE   0 0 8,449
COLGATE PALMOLIVE CO COM 194162103 408 5,568 SH   SOLE   0 0 5,568
COMCAST CORP NEW CL A 20030N101 242 6,203 SH   SOLE   0 0 6,203
COMSTOCK MNG INC COM NEW 205750300 57 60,012 SH   SOLE   0 0 60,012
CONOCOPHILLIPS COM 20825C104 285 6,778 SH   SOLE   0 0 6,778
COSTCO WHSL CORP NEW COM 22160K105 942 3,105 SH   SOLE   0 0 3,105
CROSS TIMBERS RTY TR TR UNIT 22757R109 348 47,184 SH   SOLE   0 0 47,184
DUKE ENERGY CORP NEW COM NEW 26441C204 230 2,880 SH   SOLE   0 0 2,880
DUPONT DE NEMOURS INC COM 26614N102 219 4,126 SH   SOLE   0 0 4,126
EMERSON ELEC CO COM 291011104 2,893 46,637 SH   SOLE   0 0 46,637
ENVELA CORP COM 29402E102 508 83,260 SH   SOLE   0 0 83,260
EXXON MOBIL CORP COM 30231G102 1,068 23,884 SH   SOLE   0 0 23,884
FACEBOOK INC CL A 30303M102 600 2,644 SH   SOLE   0 0 2,644
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 2,258 45,368 SH   SOLE   0 0 45,368
FORD MTR CO DEL COM 345370860 110 18,141 SH   SOLE   0 0 18,141
GENERAL MLS INC COM 370334104 220 3,562 SH   SOLE   0 0 3,562
GLOBAL X FDS GLBL X MLP ETF 37954Y343 248 9,114 SH   SOLE   0 0 9,114
GRANITESHARES GOLD TR SHS BEN INT 38748G101 306 17,263 SH   SOLE   0 0 17,263
HERCULES CAPITAL INC COM 427096508 221 21,073 SH   SOLE   0 0 21,073
HOME DEPOT INC COM 437076102 1,217 4,857 SH   SOLE   0 0 4,857
INTEL CORP COM 458140100 946 15,811 SH   SOLE   0 0 15,811
INTERNATIONAL BUSINESS MACHS COM 459200101 321 2,661 SH   SOLE   0 0 2,661
ISHARES GOLD TRUST ISHARES 464285105 398 23,427 SH   SOLE   0 0 23,427
ISHARES INC ASIA/PAC DIV ETF 464286293 511 15,423 SH   SOLE   0 0 15,423
ISHARES INC JP MORGAN EM ETF 464286517 2,058 50,462 SH   SOLE   0 0 50,462
ISHARES INC MSCI PAC JP ETF 464286665 209 5,260 SH   SOLE   0 0 5,260
ISHARES TR TIPS BD ETF 464287176 3,802 30,911 SH   SOLE   0 0 30,911
ISHARES TR CORE US AGGBD ET 464287226 928 7,853 SH   SOLE   0 0 7,853
ISHARES TR IBOXX INV CP ETF 464287242 5,543 41,214 SH   SOLE   0 0 41,214
ISHARES TR S&P 500 GRWT ETF 464287309 202 971 SH   SOLE   0 0 971
ISHARES TR S&P 500 VAL ETF 464287408 2,229 20,603 SH   SOLE   0 0 20,603
ISHARES TR NASDAQ BIOTECH 464287556 1,558 11,401 SH   SOLE   0 0 11,401
ISHARES TR RUS 2000 VAL ETF 464287630 508 5,216 SH   SOLE   0 0 5,216
ISHARES TR U.S. TECH ETF 464287721 205 759 SH   SOLE   0 0 759
ISHARES TR GL CLEAN ENE ETF 464288224 1,075 85,879 SH   SOLE   0 0 85,879
ISHARES TR JPMORGAN USD EMG 464288281 341 3,120 SH   SOLE   0 0 3,120
ISHARES TR MRGSTR MD CP GRW 464288307 9,369 31,954 SH   SOLE   0 0 31,954
ISHARES TR MSCI USA ESG SLC 464288802 354 2,648 SH   SOLE   0 0 2,648
ISHARES TR CORE HIGH DV ETF 46429B663 457 5,631 SH   SOLE   0 0 5,631
ISHARES TR MSCI USA MIN VOL 46429B697 218 3,589 SH   SOLE   0 0 3,589
ISHARES TR 0-5 YR TIPS ETF 46429B747 610 5,958 SH   SOLE   0 0 5,958
ISHARES TR MSCI USA QLT FCT 46432F339 2,855 29,763 SH   SOLE   0 0 29,763
ISHARES INC CORE MSCI EMKT 46434G103 449 9,426 SH   SOLE   0 0 9,426
ISHARES TR 0-5YR INVT GR CP 46434V100 6,658 127,739 SH   SOLE   0 0 127,739
ISHARES TR MSCI INTL QUALTY 46434V456 8,664 294,579 SH   SOLE   0 0 294,579
ISHARES TR CORE DIV GRWTH 46434V621 12,854 341,853 SH   SOLE   0 0 341,853
ISHARES TR CORE MSCI EURO 46434V738 686 16,047 SH   SOLE   0 0 16,047
ISHARES TR HDG MSCI JAPAN 46434V886 507 16,510 SH   SOLE   0 0 16,510
ISHARES TR CORE INTL AGGR 46435G672 7,465 134,062 SH   SOLE   0 0 134,062
JPMORGAN CHASE & CO COM 46625H100 372 3,951 SH   SOLE   0 0 3,951
JOHNSON & JOHNSON COM 478160104 701 4,988 SH   SOLE   0 0 4,988
KIMBERLY CLARK CORP COM 494368103 280 1,979 SH   SOLE   0 0 1,979
KRANESHARES TR CSI CHI INTERNET 500767306 1,221 19,716 SH   SOLE   0 0 19,716
KRANESHARES TR MSCI ALL CHINA 500767835 1,196 37,547 SH   SOLE   0 0 37,547
LILLY ELI & CO COM 532457108 412 2,511 SH   SOLE   0 0 2,511
LOWES COS INC COM 548661107 384 2,844 SH   SOLE   0 0 2,844
MERCK & CO. INC COM 58933Y105 577 7,462 SH   SOLE   0 0 7,462
MICROSOFT CORP COM 594918104 3,663 18,001 SH   SOLE   0 0 18,001
MONDELEZ INTL INC CL A 609207105 578 11,311 SH   SOLE   0 0 11,311
NETFLIX INC COM 64110L106 310 681 SH   SOLE   0 0 681
NEUBERGER BERMAN MUN FD INC COM 64124P101 1,083 78,058 SH   SOLE   0 0 78,058
NIKE INC CL B 654106103 398 4,061 SH   SOLE   0 0 4,061
NUVEEN AMT FREE MUN CR INC F COM 67071L106 301 19,716 SH   SOLE   0 0 19,716
ORACLE CORP COM 68389X105 266 4,810 SH   SOLE   0 0 4,810
PEPSICO INC COM 713448108 440 3,329 SH   SOLE   0 0 3,329
PFIZER INC COM 717081103 659 20,160 SH   SOLE   0 0 20,160
PIMCO ETF TR INV GRD CRP BD 72201R817 1,110 9,717 SH   SOLE   0 0 9,717
PROCTER AND GAMBLE CO COM 742718109 939 7,852 SH   SOLE   0 0 7,852
QUALCOMM INC COM 747525103 248 2,714 SH   SOLE   0 0 2,714
RAYTHEON TECHNOLOGIES CORP COM 75513E101 370 6,010 SH   SOLE   0 0 6,010
SPDR S&P 500 ETF TR TR UNIT 78462F103 340 1,104 SH   SOLE   0 0 1,104
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 905 3,508 SH   SOLE   0 0 3,508
SALESFORCE COM INC COM 79466L302 605 3,229 SH   SOLE   0 0 3,229
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,609 103,573 SH   SOLE   0 0 103,573
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,391 92,483 SH   SOLE   0 0 92,483
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,612 171,853 SH   SOLE   0 0 171,853
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,830 170,636 SH   SOLE   0 0 170,636
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,558 24,482 SH   SOLE   0 0 24,482
SOUTHWEST AIRLS CO COM 844741108 231 6,761 SH   SOLE   0 0 6,761
TARGET CORP COM 87612E106 252 2,099 SH   SOLE   0 0 2,099
TEMPLETON GLOBAL INCOME FD COM 880198106 60 11,253 SH   SOLE   0 0 11,253
TEXAS INSTRS INC COM 882508104 409 3,219 SH   SOLE   0 0 3,219
TRUIST FINL CORP COM 89832Q109 368 9,804 SH   SOLE   0 0 9,804
UNITEDHEALTH GROUP INC COM 91324P102 242 822 SH   SOLE   0 0 822
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,827 41,195 SH   SOLE   0 0 41,195
VANGUARD WORLD FD ESG INTL STK ETF 921910725 15,466 321,540 SH   SOLE   0 0 321,540
VANGUARD WORLD FD ESG US STK ETF 921910733 20,422 362,158 SH   SOLE   0 0 362,158
VANGUARD WORLD FD MEGA CAP INDEX 921910873 6,912 63,154 SH   SOLE   0 0 63,154
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 862 10,937 SH   SOLE   0 0 10,937
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 232 4,871 SH   SOLE   0 0 4,871
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 834 16,580 SH   SOLE   0 0 16,580
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,879 126,675 SH   SOLE   0 0 126,675
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,415 17,118 SH   SOLE   0 0 17,118
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 660 2,329 SH   SOLE   0 0 2,329
VANGUARD INDEX FDS GROWTH ETF 922908736 8,281 40,979 SH   SOLE   0 0 40,979
VANGUARD INDEX FDS VALUE ETF 922908744 3,052 30,642 SH   SOLE   0 0 30,642
VERIZON COMMUNICATIONS INC COM 92343V104 906 16,437 SH   SOLE   0 0 16,437
VISA INC COM CL A 92826C839 524 2,715 SH   SOLE   0 0 2,715
WALMART INC COM 931142103 764 6,378 SH   SOLE   0 0 6,378
WESTERN ASSET INTER MUNI FD COM 958435109 94 11,000 SH   SOLE   0 0 11,000
WISDOMTREE TR US MIDCAP DIVID 97717W505 5,067 178,796 SH   SOLE   0 0 178,796