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
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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   5,600,784 36,862 SH   SOLE   0 0 36,862
INVESCO QQQ TR UNIT SER 1 46090E103   3,131,051 7,646 SH   SOLE   0 0 7,646
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   270,161 4,418 SH   SOLE   0 0 4,418
ISHARES GOLD TR ISHARES NEW 464285204   6,892,630 176,598 SH   SOLE   0 0 176,598
JOHNSON & JOHNSON COM 478160104   949,505 6,058 SH   SOLE   0 0 6,058
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225   3,069,112 31,193 SH   SOLE   0 0 31,193
COSTCO WHSL CORP NEW COM 22160K105   348,523 528 SH   SOLE   0 0 528
LAS VEGAS SANDS CORP COM 517834107   206,436 4,195 SH   SOLE   0 0 4,195
LAKELAND BANCORP INC COM 511637100   1,301,238 87,981 SH   SOLE   0 0 87,981
PROCTER AND GAMBLE CO COM 742718109   1,149,545 7,845 SH   SOLE   0 0 7,845
COCA COLA CO COM 191216100   241,248 4,094 SH   SOLE   0 0 4,094
NETFLIX INC COM 64110L106   396,807 815 SH   SOLE   0 0 815
MERCK & CO INC COM 58933Y105   3,905,284 35,822 SH   SOLE   0 0 35,822
MCKESSON CORP COM 58155Q103   312,974 676 SH   SOLE   0 0 676
UNITED RENTALS INC COM 911363109   303,913 530 SH   SOLE   0 0 530
YUM CHINA HLDGS INC COM 98850P109   453,874 10,697 SH   SOLE   0 0 10,697
FIRST TR EXCHANGE-TRADED FD NASDQ SEMCNDTR 33738R811   4,971,536 60,978 SH   SOLE   0 0 60,978
DIREXION SHS ETF TR DLY TECH BULL 3X 25459W102   283,518 4,250 SH   SOLE   0 0 4,250
DAVITA INC COM 23918K108   239,481 2,286 SH   SOLE   0 0 2,286
MARVELL TECHNOLOGY INC COM 573874104   268,138 4,446 SH   SOLE   0 0 4,446
PEPSICO INC COM 713448108   264,271 1,556 SH   SOLE   0 0 1,556
HONEYWELL INTL INC COM 438516106   351,265 1,675 SH   SOLE   0 0 1,675
HOME DEPOT INC COM 437076102   257,617 743 SH   SOLE   0 0 743
AUTOMATIC DATA PROCESSING IN COM 053015103   1,760,787 7,558 SH   SOLE   0 0 7,558
FAIR ISAAC CORP COM 303250104   273,542 235 SH   SOLE   0 0 235
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101   5,527,454 93,717 SH   SOLE   0 0 93,717
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   651,405 3,166 SH   SOLE   0 0 3,166
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,128,279 20,267 SH   SOLE   0 0 20,267
ISHARES TR INDIA 50 ETF 464289529   6,115,830 124,179 SH   SOLE   0 0 124,179
ISHARES TR IBONDS 27 ETF 46435UAA9   12,874,737 538,017 SH   SOLE   0 0 538,017
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   36,983,987 103,695 SH   SOLE   0 0 103,695
ADOBE INC COM 00724F101   313,215 525 SH   SOLE   0 0 525
ALPHABET INC CAP STK CL A 02079K305   214,986 1,465 SH   SOLE   0 0 1,465
PG&E CORP COM 69331C108   276,779 15,351 SH   SOLE   0 0 15,351
OREILLY AUTOMOTIVE INC COM 67103H107   270,774 285 SH   SOLE   0 0 285
COMCAST CORP NEW CL A 20030N101   496,821 11,330 SH   SOLE   0 0 11,330
MICROSOFT CORP COM 594918104   6,850,777 18,218 SH   SOLE   0 0 18,218
AMERIPRISE FINL INC COM 03076C106   762,319 2,007 SH   SOLE   0 0 2,007
BOEING CO COM 097023105   4,289,682 16,457 SH   SOLE   0 0 16,457
CLOUDFLARE INC CL A COM 18915M107   384,828 4,622 SH   SOLE   0 0 4,622
ISHARES TR IBDS DEC28 ETF 46435U515   18,590,436 740,950 SH   SOLE   0 0 740,950
TESLA INC COM 88160R101   408,998 1,646 SH   SOLE   0 0 1,646
ISHARES TR IBONDS DEC 25 46435U432   2,786,087 104,957 SH   SOLE   0 0 104,957
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,155,792 2,388 SH   SOLE   0 0 2,388
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   3,095,555 35,508 SH   SOLE   0 0 35,508
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150   5,615,644 86,581 SH   SOLE   0 0 86,581
KKR & CO INC COM 48251W104   372,825 4,500 SH   SOLE   0 0 4,500
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   3,020,263 32,141 SH   SOLE   0 0 32,141
ISHARES TR IBONDS DEC 26 46435U259   2,857,437 112,008 SH   SOLE   0 0 112,008
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   294,437 30,417 SH   SOLE   0 0 30,417
UBER TECHNOLOGIES INC COM 90353T100   286,916 4,660 SH   SOLE   0 0 4,660
ISHARES TR IBONDS DEC 28 46435U325   4,531,772 177,092 SH   SOLE   0 0 177,092
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,184,632 20,181 SH   SOLE   0 0 20,181
ISHARES TR IBONDS DEC 27 46435U283   3,422,187 134,652 SH   SOLE   0 0 134,652
ELI LILLY & CO COM 532457108   436,248 748 SH   SOLE   0 0 748
ISHARES TR IBONDS DEC 29 46436E205   18,740,131 812,316 SH   SOLE   0 0 812,316
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   2,939,848 17,503 SH   SOLE   0 0 17,503
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   208,532 3,328 SH   SOLE   0 0 3,328
ISHARES TR IBONDS DEC 2030 46436E726   29,131,708 1,346,197 SH   SOLE   0 0 1,346,197
MARATHON PETE CORP COM 56585A102   704,858 4,751 SH   SOLE   0 0 4,751
VISA INC COM CL A 92826C839   367,577 1,412 SH   SOLE   0 0 1,412
BLUE FOUNDRY BANCORP COM 09549B104   254,959 26,366 SH   SOLE   0 0 26,366
ISHARES TR IBONDS DEC 2031 46436E486   29,249,016 1,408,234 SH   SOLE   0 0 1,408,234
ISHARES TR MSCI USA MIN VOL 46429B697   659,275 8,449 SH   SOLE   0 0 8,449
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   301,996 3,568 SH   SOLE   0 0 3,568
NU HLDGS LTD ORD SHS CL A G6683N103   518,601 62,257 SH   SOLE   0 0 62,257
SPLUNK INC COM 848637104   252,292 1,656 SH   SOLE   0 0 1,656
CHENIERE ENERGY INC COM NEW 16411R208   518,617 3,038 SH   SOLE   0 0 3,038
DOORDASH INC CL A 25809K105   263,839 2,668 SH   SOLE   0 0 2,668
CONSTELLATION ENERGY CORP COM 21037T109   504,965 4,320 SH   SOLE   0 0 4,320
META PLATFORMS INC CL A 30303M102   791,107 2,235 SH   SOLE   0 0 2,235
ISHARES INC JP MRGN EM HI BD 464286285   10,329,486 284,167 SH   SOLE   0 0 284,167
PIMCO DYNAMIC INCOME FD SHS 72201Y101   700,019 38,998 SH   SOLE   0 0 38,998
ALPS ETF TR SECTR DIV DOGS 00162Q858   1,195,486 23,322 SH   SOLE   0 0 23,322
ISHARES TR IBONDS DEC 2032 46436E312   29,235,986 1,158,779 SH   SOLE   0 0 1,158,779
FIRST TR NASDAQ 100 TECH IND SHS 337345102   5,062,390 28,850 SH   SOLE   0 0 28,850
BROADCOM INC COM 11135F101   695,424 623 SH   SOLE   0 0 623
MOODYS CORP COM 615369105   243,319 623 SH   SOLE   0 0 623
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   248,356 3,212 SH   SOLE   0 0 3,212
NVIDIA CORPORATION COM 67066G104   611,105 1,234 SH   SOLE   0 0 1,234
ISHARES TR SHORT TREAS BD 464288679   67,367,473 611,709 SH   SOLE   0 0 611,709
ISHARES TR IBONDS DEC 2029 46436E163   6,301,642 246,158 SH   SOLE   0 0 246,158
CHURCH & DWIGHT CO INC COM 171340102   258,622 2,735 SH   SOLE   0 0 2,735
ISHARES TR IBONDS DEC 2033 46436E130   37,933,922 1,467,463 SH   SOLE   0 0 1,467,463
NEUROCRINE BIOSCIENCES INC COM 64125C109   297,646 2,259 SH   SOLE   0 0 2,259
VERISIGN INC COM 92343E102   222,437 1,080 SH   SOLE   0 0 1,080
STRYKER CORPORATION COM 863667101   228,787 764 SH   SOLE   0 0 764
QUALCOMM INC COM 747525103   291,140 2,013 SH   SOLE   0 0 2,013
GENERAL DYNAMICS CORP COM 369550108   259,410 999 SH   SOLE   0 0 999
CISCO SYS INC COM 17275R102   383,229 7,586 SH   SOLE   0 0 7,586
ADVANCED MICRO DEVICES INC COM 007903107   372,505 2,527 SH   SOLE   0 0 2,527
ISHARES TR ISHARES BIOTECH 464287556   9,828,947 72,351 SH   SOLE   0 0 72,351
GENERAL ELECTRIC CO COM NEW 369604301   1,402,410 10,988 SH   SOLE   0 0 10,988
ISHARES TR IBOXX HI YD ETF 464288513   246,100 3,180 SH   SOLE   0 0 3,180
ISHARES TR IBONDS DEC2026 46435GAA0   9,158,074 383,183 SH   SOLE   0 0 383,183
SALESFORCE INC COM 79466L302   4,071,319 15,472 SH   SOLE   0 0 15,472
INVESCO EXCHANGE TRADED FD T DORSEY WRIGHT MO 46137V837   17,611,150 206,002 SH   SOLE   0 0 206,002
JPMORGAN CHASE & CO COM 46625H100   1,960,074 11,523 SH   SOLE   0 0 11,523
CHEVRON CORP NEW COM 166764100   743,370 4,984 SH   SOLE   0 0 4,984
ISHARES TR NATIONAL MUN ETF 464288414   290,730 2,682 SH   SOLE   0 0 2,682
ACACIA RESH CORP ACACIA TCH COM 003881307   47,040 12,000 SH   SOLE   0 0 12,000
BANK AMERICA CORP COM 060505104   282,636 8,394 SH   SOLE   0 0 8,394
WALMART INC COM 931142103   248,758 1,578 SH   SOLE   0 0 1,578
TEXAS INSTRS INC COM 882508104   289,100 1,696 SH   SOLE   0 0 1,696
PFIZER INC COM 717081103   222,532 7,729 SH   SOLE   0 0 7,729
3M CO COM 88579Y101   320,354 2,930 SH   SOLE   0 0 2,930
HP INC COM 40434L105   205,515 6,830 SH   SOLE   0 0 6,830
CATERPILLAR INC COM 149123101   5,222,262 17,662 SH   SOLE   0 0 17,662
ALPHABET INC CAP STK CL C 02079K107   5,104,152 36,144 SH   SOLE   0 0 36,144
AMERICAN EXPRESS CO COM 025816109   288,691 1,541 SH   SOLE   0 0 1,541
AMGEN INC COM 031162100   225,809 784 SH   SOLE   0 0 784
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   4,615,106 24,739 SH   SOLE   0 0 24,739
ARISTA NETWORKS INC COM 040413106   355,149 1,508 SH   SOLE   0 0 1,508
MERCADOLIBRE INC COM 58733R102   649,046 413 SH   SOLE   0 0 413
ISHARES TR CORE US AGGBD ET 464287226   1,713,254 17,262 SH   SOLE   0 0 17,262
ISHARES TR BLACKROCK ULTRA 46434V878   4,695,267 93,234 SH   SOLE   0 0 93,234
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   534,276 6,893 SH   SOLE   0 0 6,893
HUBSPOT INC COM 443573100   635,691 1,095 SH   SOLE   0 0 1,095
GARTNER INC COM 366651107   745,234 1,652 SH   SOLE   0 0 1,652
NUCOR CORP COM 670346105   553,969 3,183 SH   SOLE   0 0 3,183
EXXON MOBIL CORP COM 30231G102   3,367,065 33,677 SH   SOLE   0 0 33,677
UNITEDHEALTH GROUP INC COM 91324P102   4,803,824 9,125 SH   SOLE   0 0 9,125
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   8,692,707 137,261 SH   SOLE   0 0 137,261
AUTOZONE INC COM 053332102   237,876 92 SH   SOLE   0 0 92
APPLE INC COM 037833100   9,839,509 51,107 SH   SOLE   0 0 51,107
ISHARES TR IBONDS DEC24 ETF 46434VBG4   201,701 8,097 SH   SOLE   0 0 8,097
DIREXION SHS ETF TR SP BIOTCH BL NEW 25490K323   365,910 3,000 SH   SOLE   0 0 3,000
VANECK ETF TRUST LONG MUNI ETF 92189F536   9,068,389 496,898 SH   SOLE   0 0 496,898