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
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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
AMAZON COM INC COM 023135106   4,692,865 36,917 SH   SOLE   0 0 36,917
INVESCO QQQ TR UNIT SER 1 46090E103   460,377 1,285 SH   SOLE   0 0 1,285
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   251,428 4,418 SH   SOLE   0 0 4,418
ISHARES GOLD TR ISHARES NEW 464285204   6,425,608 183,641 SH   SOLE   0 0 183,641
JOHNSON & JOHNSON COM 478160104   2,771,340 17,794 SH   SOLE   0 0 17,794
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225   1,881,262 21,547 SH   SOLE   0 0 21,547
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   273,150 9,000 SH   SOLE   0 0 9,000
COSTCO WHSL CORP NEW COM 22160K105   284,175 503 SH   SOLE   0 0 503
FIRST TR EXCHANGE TRADED FD MATERIALS ALPH 33734X168   1,933,258 30,670 SH   SOLE   0 0 30,670
LAS VEGAS SANDS CORP COM 517834107   204,080 4,452 SH   SOLE   0 0 4,452
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,297,770 114,596 SH   SOLE   0 0 114,596
LAKELAND BANCORP INC COM 511637100   1,190,389 94,326 SH   SOLE   0 0 94,326
PROCTER AND GAMBLE CO COM 742718109   1,481,414 10,156 SH   SOLE   0 0 10,156
COCA COLA CO COM 191216100   4,206,721 75,147 SH   SOLE   0 0 75,147
UNITED PARCEL SERVICE INC CL B 911312106   303,011 1,944 SH   SOLE   0 0 1,944
NETFLIX INC COM 64110L106   315,296 835 SH   SOLE   0 0 835
MERCK & CO INC COM 58933Y105   299,199 2,906 SH   SOLE   0 0 2,906
MCKESSON CORP COM 58155Q103   306,569 705 SH   SOLE   0 0 705
MASTERCARD INCORPORATED CL A 57636Q104   213,395 539 SH   SOLE   0 0 539
HONEYWELL INTL INC COM 438516106   247,736 1,341 SH   SOLE   0 0 1,341
HOME DEPOT INC COM 437076102   238,828 790 SH   SOLE   0 0 790
AUTOMATIC DATA PROCESSING IN COM 053015103   1,881,095 7,819 SH   SOLE   0 0 7,819
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   577,078 3,223 SH   SOLE   0 0 3,223
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,011,666 20,294 SH   SOLE   0 0 20,294
ISHARES TR INDIA 50 ETF 464289529   5,201,511 115,103 SH   SOLE   0 0 115,103
AON PLC SHS CL A G0403H108   203,610 628 SH   SOLE   0 0 628
ISHARES TR IBONDS 27 ETF 46435UAA9   17,397,981 751,857 SH   SOLE   0 0 751,857
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   21,172,873 60,442 SH   SOLE   0 0 60,442
ADOBE INC COM 00724F101   217,727 427 SH   SOLE   0 0 427
ALPHABET INC CAP STK CL A 02079K305   461,849 3,450 SH   SOLE   0 0 3,450
PG&E CORP COM 69331C108   253,967 15,745 SH   SOLE   0 0 15,745
OREILLY AUTOMOTIVE INC COM 67103H107   268,114 295 SH   SOLE   0 0 295
COMCAST CORP NEW CL A 20030N101   438,657 9,893 SH   SOLE   0 0 9,893
ISHARES TR IBONDS DEC 46435U697   2,814,820 109,569 SH   SOLE   0 0 109,569
MICROSOFT CORP COM 594918104   6,503,266 20,596 SH   SOLE   0 0 20,596
FIRST TR EXCHANGE-TRADED FD NASDQ FOD BVRG 33738R852   1,846,959 77,997 SH   SOLE   0 0 77,997
AMERIPRISE FINL INC COM 03076C106   686,064 2,081 SH   SOLE   0 0 2,081
CLOUDFLARE INC CL A COM 18915M107   303,475 4,814 SH   SOLE   0 0 4,814
NIKE INC CL B 654106103   582,517 6,092 SH   SOLE   0 0 6,092
ISHARES TR IBDS DEC28 ETF 46435U515   17,019,461 708,259 SH   SOLE   0 0 708,259
TESLA INC COM 88160R101   329,540 1,317 SH   SOLE   0 0 1,317
ISHARES TR IBONDS DEC 25 46435U432   2,786,419 106,841 SH   SOLE   0 0 106,841
VANGUARD WORLD FDS INF TECH ETF 92204A702   990,781 2,388 SH   SOLE   0 0 2,388
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   1,869,599 23,996 SH   SOLE   0 0 23,996
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150   4,105,347 71,484 SH   SOLE   0 0 71,484
KKR & CO INC COM 48251W104   277,200 4,500 SH   SOLE   0 0 4,500
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   208,331 531 SH   SOLE   0 0 531
ISHARES TR IBONDS DEC 26 46435U259   1,454,878 58,641 SH   SOLE   0 0 58,641
ISHARES TR IBONDS DEC 28 46435U325   1,583,580 64,874 SH   SOLE   0 0 64,874
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   220,130 1,554 SH   SOLE   0 0 1,554
ISHARES TR IBONDS DEC 27 46435U283   1,480,284 60,469 SH   SOLE   0 0 60,469
ISHARES TR IBONDS DEC 29 46436E205   16,941,556 773,587 SH   SOLE   0 0 773,587
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   2,106,997 14,170 SH   SOLE   0 0 14,170
DIREXION SHS ETF TR DLY SEMICNDTR BR 25460G336   470,400 42,000 SH   SOLE   0 0 42,000
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   219,522 3,734 SH   SOLE   0 0 3,734
ISHARES TR IBONDS DEC 2030 46436E726   16,692,161 819,046 SH   SOLE   0 0 819,046
MARATHON PETE CORP COM 56585A102   749,890 4,955 SH   SOLE   0 0 4,955
VISA INC COM CL A 92826C839   280,119 1,218 SH   SOLE   0 0 1,218
BLUE FOUNDRY BANCORP COM 09549B104   220,683 26,366 SH   SOLE   0 0 26,366
ISHARES TR MSCI USA MIN VOL 46429B697   367,039 5,071 SH   SOLE   0 0 5,071
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   274,032 3,665 SH   SOLE   0 0 3,665
META PLATFORMS INC CL A 30303M102   626,838 2,088 SH   SOLE   0 0 2,088
ISHARES INC JP MRGN EM HI BD 464286285   9,192,549 270,051 SH   SOLE   0 0 270,051
PIMCO DYNAMIC INCOME FD SHS 72201Y101   651,201 37,685 SH   SOLE   0 0 37,685
ALPS ETF TR SECTR DIV DOGS 00162Q858   1,092,883 23,238 SH   SOLE   0 0 23,238
BROADCOM INC COM 11135F101   259,141 312 SH   SOLE   0 0 312
NUSTAR ENERGY LP UNIT COM 67058H102   543,762 31,179 SH   SOLE   0 0 31,179
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   218,545 3,212 SH   SOLE   0 0 3,212
NVIDIA CORPORATION COM 67066G104   536,490 1,233 SH   SOLE   0 0 1,233
ISHARES TR SHORT TREAS BD 464288679   182,752,446 1,654,317 SH   SOLE   0 0 1,654,317
GENUINE PARTS CO COM 372460105   247,179 1,712 SH   SOLE   0 0 1,712
CHURCH & DWIGHT CO INC COM 171340102   261,604 2,855 SH   SOLE   0 0 2,855
NEUROCRINE BIOSCIENCES INC COM 64125C109   259,763 2,309 SH   SOLE   0 0 2,309
STRYKER CORPORATION COM 863667101   237,447 869 SH   SOLE   0 0 869
GENERAL DYNAMICS CORP COM 369550108   242,846 1,099 SH   SOLE   0 0 1,099
CISCO SYS INC COM 17275R102   363,089 6,754 SH   SOLE   0 0 6,754
ADVANCED MICRO DEVICES INC COM 007903107   205,126 1,995 SH   SOLE   0 0 1,995
AT&T INC COM 00206R102   172,170 11,463 SH   SOLE   0 0 11,463
GENERAL ELECTRIC CO COM NEW 369604301   1,015,741 9,188 SH   SOLE   0 0 9,188
ISHARES TR IBONDS DEC2026 46435GAA0   17,526,910 751,100 SH   SOLE   0 0 751,100
INVESCO EXCHANGE TRADED FD T DORSEY WRIGHT MO 46137V837   14,470,300 187,950 SH   SOLE   0 0 187,950
JPMORGAN CHASE & CO COM 46625H100   1,560,306 10,759 SH   SOLE   0 0 10,759
CHEVRON CORP NEW COM 166764100   5,237,082 31,058 SH   SOLE   0 0 31,058
ISHARES TR NATIONAL MUN ETF 464288414   8,673,234 84,584 SH   SOLE   0 0 84,584
ACACIA RESH CORP ACACIA TCH COM 003881307   43,800 12,000 SH   SOLE   0 0 12,000
BANK AMERICA CORP COM 060505104   202,757 7,405 SH   SOLE   0 0 7,405
WALMART INC COM 931142103   262,751 1,643 SH   SOLE   0 0 1,643
TEXAS INSTRS INC COM 882508104   391,165 2,460 SH   SOLE   0 0 2,460
PFIZER INC COM 717081103   281,786 8,495 SH   SOLE   0 0 8,495
3M CO COM 88579Y101   271,257 2,897 SH   SOLE   0 0 2,897
CATERPILLAR INC COM 149123101   4,980,832 18,245 SH   SOLE   0 0 18,245
ALPHABET INC CAP STK CL C 02079K107   5,294,180 40,074 SH   SOLE   0 0 40,074
ARISTA NETWORKS INC COM 040413106   290,425 1,579 SH   SOLE   0 0 1,579
MERCADOLIBRE INC COM 58733R102   545,188 430 SH   SOLE   0 0 430
ISHARES TR CORE US AGGBD ET 464287226   1,609,118 17,111 SH   SOLE   0 0 17,111
ISHARES TR BLACKROCK ULTRA 46434V878   1,732,820 34,395 SH   SOLE   0 0 34,395
GARTNER INC COM 366651107   591,009 1,720 SH   SOLE   0 0 1,720
EXXON MOBIL CORP COM 30231G102   4,000,560 34,024 SH   SOLE   0 0 34,024
UNITEDHEALTH GROUP INC COM 91324P102   4,739,071 9,399 SH   SOLE   0 0 9,399
TRAVELERS COMPANIES INC COM 89417E109   212,916 1,304 SH   SOLE   0 0 1,304
ON SEMICONDUCTOR CORP COM 682189105   315,379 3,393 SH   SOLE   0 0 3,393
SHOPIFY INC CL A 82509L107   249,876 4,579 SH   SOLE   0 0 4,579
AUTOZONE INC COM 053332102   236,219 93 SH   SOLE   0 0 93
APPLE INC COM 037833100   9,075,240 53,007 SH   SOLE   0 0 53,007
ISHARES TR IBONDS DEC25 ETF 46434VBD1   17,031,914 698,889 SH   SOLE   0 0 698,889
ISHARES TR IBONDS DEC24 ETF 46434VBG4   25,567,054 1,033,848 SH   SOLE   0 0 1,033,848
MARSH & MCLENNAN COS INC COM 571748102   299,152 1,572 SH   SOLE   0 0 1,572