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   6,790,380 37,645 SH   SOLE   0 0 37,645
INVESCO QQQ TR UNIT SER 1 46090E103   3,629,400 8,174 SH   SOLE   0 0 8,174
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   295,034 4,418 SH   SOLE   0 0 4,418
ISHARES GOLD TR ISHARES NEW 464285204   7,619,678 181,378 SH   SOLE   0 0 181,378
JOHNSON & JOHNSON COM 478160104   780,856 4,936 SH   SOLE   0 0 4,936
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225   3,855,361 32,053 SH   SOLE   0 0 32,053
COSTCO WHSL CORP NEW COM 22160K105   413,203 564 SH   SOLE   0 0 564
LAKELAND BANCORP INC COM 511637100   854,712 70,637 SH   SOLE   0 0 70,637
PROCTER AND GAMBLE CO COM 742718109   1,237,268 7,626 SH   SOLE   0 0 7,626
COCA COLA CO COM 191216100   340,985 5,573 SH   SOLE   0 0 5,573
OCCIDENTAL PETE CORP COM 674599105   303,048 4,663 SH   SOLE   0 0 4,663
NETFLIX INC COM 64110L106   556,922 917 SH   SOLE   0 0 917
MERCK & CO INC COM 58933Y105   5,140,106 38,955 SH   SOLE   0 0 38,955
MCKESSON CORP COM 58155Q103   648,515 1,208 SH   SOLE   0 0 1,208
UNITED RENTALS INC COM 911363109   568,956 789 SH   SOLE   0 0 789
YUM CHINA HLDGS INC COM 98850P109   505,054 12,693 SH   SOLE   0 0 12,693
FIRST TR EXCHANGE-TRADED FD NASDQ SEMCNDTR 33738R811   5,805,337 64,119 SH   SOLE   0 0 64,119
DIREXION SHS ETF TR DLY TECH BULL 3X 25459W102   340,595 4,250 SH   SOLE   0 0 4,250
DAVITA INC COM 23918K108   392,338 2,842 SH   SOLE   0 0 2,842
MARVELL TECHNOLOGY INC COM 573874104   627,997 8,860 SH   SOLE   0 0 8,860
PULTE GROUP INC COM 745867101   709,487 5,882 SH   SOLE   0 0 5,882
PEPSICO INC COM 713448108   333,219 1,904 SH   SOLE   0 0 1,904
HONEYWELL INTL INC COM 438516106   273,188 1,331 SH   SOLE   0 0 1,331
HOME DEPOT INC COM 437076102   338,866 883 SH   SOLE   0 0 883
AUTOMATIC DATA PROCESSING IN COM 053015103   1,887,535 7,558 SH   SOLE   0 0 7,558
FAIR ISAAC CORP COM 303250104   584,817 468 SH   SOLE   0 0 468
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101   6,255,063 96,922 SH   SOLE   0 0 96,922
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   648,587 3,166 SH   SOLE   0 0 3,166
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,209,682 19,815 SH   SOLE   0 0 19,815
ISHARES TR INDIA 50 ETF 464289529   6,441,152 127,699 SH   SOLE   0 0 127,699
ISHARES TR IBONDS 27 ETF 46435UAA9   13,513,894 567,811 SH   SOLE   0 0 567,811
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   45,030,435 107,083 SH   SOLE   0 0 107,083
ADOBE INC COM 00724F101   313,861 622 SH   SOLE   0 0 622
ALPHABET INC CAP STK CL A 02079K305   235,168 1,490 SH   SOLE   0 0 1,490
PG&E CORP COM 69331C108   594,611 35,478 SH   SOLE   0 0 35,478
OREILLY AUTOMOTIVE INC COM 67103H107   678,457 601 SH   SOLE   0 0 601
COMCAST CORP NEW CL A 20030N101   542,178 12,507 SH   SOLE   0 0 12,507
MICROSOFT CORP COM 594918104   7,540,750 17,923 SH   SOLE   0 0 17,923
AMERIPRISE FINL INC COM 03076C106   886,087 2,021 SH   SOLE   0 0 2,021
BOEING CO COM 097023105   4,177,409 21,646 SH   SOLE   0 0 21,646
CLOUDFLARE INC CL A COM 18915M107   727,096 7,509 SH   SOLE   0 0 7,509
ISHARES TR IBDS DEC28 ETF 46435U515   19,424,869 779,959 SH   SOLE   0 0 779,959
TESLA INC COM 88160R101   337,868 1,922 SH   SOLE   0 0 1,922
ISHARES TR IBONDS DEC 25 46435U432   2,844,392 107,498 SH   SOLE   0 0 107,498
VANGUARD WORLD FD INF TECH ETF 92204A702   1,252,124 2,388 SH   SOLE   0 0 2,388
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   3,269,584 36,009 SH   SOLE   0 0 36,009
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150   6,466,083 88,625 SH   SOLE   0 0 88,625
KKR & CO INC COM 48251W104   447,581 4,450 SH   SOLE   0 0 4,450
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   3,362,611 32,644 SH   SOLE   0 0 32,644
ISHARES TR IBONDS DEC 26 46435U259   3,029,169 119,494 SH   SOLE   0 0 119,494
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   410,691 34,893 SH   SOLE   0 0 34,893
UBER TECHNOLOGIES INC COM 90353T100   663,423 8,617 SH   SOLE   0 0 8,617
ISHARES TR IBONDS DEC 28 46435U325   4,748,691 187,918 SH   SOLE   0 0 187,918
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,487,045 20,588 SH   SOLE   0 0 20,588
ISHARES TR IBONDS DEC 27 46435U283   3,610,499 143,445 SH   SOLE   0 0 143,445
ELI LILLY & CO COM 532457108   945,029 1,215 SH   SOLE   0 0 1,215
ISHARES TR IBONDS DEC 29 46436E205   19,452,508 852,432 SH   SOLE   0 0 852,432
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   3,264,907 18,091 SH   SOLE   0 0 18,091
DRAFTKINGS INC NEW COM CL A 26142V105   674,339 14,850 SH   SOLE   0 0 14,850
ISHARES TR IBONDS DEC 2030 46436E726   30,153,593 1,409,046 SH   SOLE   0 0 1,409,046
MARATHON PETE CORP COM 56585A102   951,282 4,721 SH   SOLE   0 0 4,721
DIREXION SHS ETF TR DL FTSE BULL 3X 25460G195   286,350 15,000 SH   SOLE   0 0 15,000
COINBASE GLOBAL INC COM CL A 19260Q107   1,213,719 4,578 SH   SOLE   0 0 4,578
VISA INC COM CL A 92826C839   471,326 1,689 SH   SOLE   0 0 1,689
BLUE FOUNDRY BANCORP COM 09549B104   246,786 26,366 SH   SOLE   0 0 26,366
ISHARES TR IBONDS DEC 2031 46436E486   30,318,407 1,479,668 SH   SOLE   0 0 1,479,668
ISHARES TR MSCI USA MIN VOL 46429B697   370,510 4,433 SH   SOLE   0 0 4,433
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   284,191 3,186 SH   SOLE   0 0 3,186
NU HLDGS LTD ORD SHS CL A G6683N103   809,283 67,836 SH   SOLE   0 0 67,836
CHENIERE ENERGY INC COM NEW 16411R208   552,384 3,425 SH   SOLE   0 0 3,425
ISHARES TR CORE S&P TTL STK 464287150   5,196,686 45,071 SH   SOLE   0 0 45,071
DOORDASH INC CL A 25809K105   400,490 2,908 SH   SOLE   0 0 2,908
CONSTELLATION ENERGY CORP COM 21037T109   880,256 4,762 SH   SOLE   0 0 4,762
META PLATFORMS INC CL A 30303M102   1,116,348 2,299 SH   SOLE   0 0 2,299
ISHARES INC JP MRGN EM HI BD 464286285   11,197,910 298,930 SH   SOLE   0 0 298,930
PIMCO DYNAMIC INCOME FD SHS 72201Y101   767,492 39,787 SH   SOLE   0 0 39,787
ALPS ETF TR SECTR DIV DOGS 00162Q858   1,294,908 24,002 SH   SOLE   0 0 24,002
ISHARES TR IBONDS DEC 2032 46436E312   30,199,335 1,217,224 SH   SOLE   0 0 1,217,224
FIRST TR NASDAQ 100 TECH IND SHS 337345102   5,718,311 29,989 SH   SOLE   0 0 29,989
BROADCOM INC COM 11135F101   866,818 654 SH   SOLE   0 0 654
MOODYS CORP COM 615369105   310,101 789 SH   SOLE   0 0 789
ISHARES TR CORE MSCI TOTAL 46432F834   643,381 9,481 SH   SOLE   0 0 9,481
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   296,550 3,262 SH   SOLE   0 0 3,262
KROGER CO COM 501044101   350,264 6,131 SH   SOLE   0 0 6,131
NVIDIA CORPORATION COM 67066G104   1,088,790 1,205 SH   SOLE   0 0 1,205
ISHARES TR SHORT TREAS BD 464288679   61,760,620 558,717 SH   SOLE   0 0 558,717
ISHARES TR IBONDS DEC 2029 46436E163   6,552,323 259,549 SH   SOLE   0 0 259,549
CHURCH & DWIGHT CO INC COM 171340102   285,288 2,735 SH   SOLE   0 0 2,735
ISHARES TR IBONDS DEC 2033 46436E130   39,303,657 1,542,530 SH   SOLE   0 0 1,542,530
NEUROCRINE BIOSCIENCES INC COM 64125C109   316,388 2,294 SH   SOLE   0 0 2,294
VERISIGN INC COM 92343E102   276,116 1,457 SH   SOLE   0 0 1,457
STRYKER CORPORATION COM 863667101   273,413 764 SH   SOLE   0 0 764
QUALCOMM INC COM 747525103   369,242 2,181 SH   SOLE   0 0 2,181
T-MOBILE US INC COM 872590104   210,880 1,292 SH   SOLE   0 0 1,292
GENERAL DYNAMICS CORP COM 369550108   282,208 999 SH   SOLE   0 0 999
CISCO SYS INC COM 17275R102   404,195 8,098 SH   SOLE   0 0 8,098
CAPITAL ONE FINL CORP COM 14040H105   340,214 2,285 SH   SOLE   0 0 2,285
ADVANCED MICRO DEVICES INC COM 007903107   476,133 2,638 SH   SOLE   0 0 2,638
ISHARES TR ISHARES BIOTECH 464287556   10,221,510 74,490 SH   SOLE   0 0 74,490
GENERAL ELECTRIC CO COM NEW 369604301   1,612,788 9,188 SH   SOLE   0 0 9,188
INVESCO EXCH TRADED FD TR II S&P ULTRA DIVIDE 46138G656   254,082 5,544 SH   SOLE   0 0 5,544
ISHARES TR IBONDS DEC2026 46435GAA0   9,636,261 404,036 SH   SOLE   0 0 404,036
SALESFORCE INC COM 79466L302   4,998,019 16,595 SH   SOLE   0 0 16,595
INVESCO EXCHANGE TRADED FD T DORSEY WRIGHT MO 46137V837   20,671,219 209,265 SH   SOLE   0 0 209,265
JPMORGAN CHASE & CO COM 46625H100   1,909,628 9,534 SH   SOLE   0 0 9,534
CHEVRON CORP NEW COM 166764100   867,794 5,501 SH   SOLE   0 0 5,501
ISHARES TR NATIONAL MUN ETF 464288414   288,559 2,682 SH   SOLE   0 0 2,682
BANK AMERICA CORP COM 060505104   421,075 11,104 SH   SOLE   0 0 11,104
WALMART INC COM 931142103   285,327 4,455 SH   SOLE   0 0 4,455
INTERNATIONAL BUSINESS MACHS COM 459200101   4,543,695 23,794 SH   SOLE   0 0 23,794
TEXAS INSTRS INC COM 882508104   315,320 1,810 SH   SOLE   0 0 1,810
3M CO COM 88579Y101   324,089 3,055 SH   SOLE   0 0 3,055
CATERPILLAR INC COM 149123101   6,446,218 17,592 SH   SOLE   0 0 17,592
ALPHABET INC CAP STK CL C 02079K107   5,569,019 36,508 SH   SOLE   0 0 36,508
AMERICAN EXPRESS CO COM 025816109   436,026 1,915 SH   SOLE   0 0 1,915
AMGEN INC COM 031162100   247,637 871 SH   SOLE   0 0 871
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   5,292,679 25,807 SH   SOLE   0 0 25,807
ARISTA NETWORKS INC COM 040413106   671,304 2,315 SH   SOLE   0 0 2,315
MERCADOLIBRE INC COM 58733R102   654,679 433 SH   SOLE   0 0 433
ISHARES TR CORE US AGGBD ET 464287226   7,374,490 75,296 SH   SOLE   0 0 75,296
ISHARES TR BLACKROCK ULTRA 46434V878   3,401,707 67,281 SH   SOLE   0 0 67,281
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   788,217 10,893 SH   SOLE   0 0 10,893
HUBSPOT INC COM 443573100   738,714 1,179 SH   SOLE   0 0 1,179
GARTNER INC COM 366651107   769,345 1,614 SH   SOLE   0 0 1,614
NUCOR CORP COM 670346105   689,879 3,486 SH   SOLE   0 0 3,486
CITIGROUP INC COM NEW 172967424   343,520 5,432 SH   SOLE   0 0 5,432
EXXON MOBIL CORP COM 30231G102   3,779,991 32,519 SH   SOLE   0 0 32,519
TRAVELERS COMPANIES INC COM 89417E109   238,138 1,035 SH   SOLE   0 0 1,035
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   9,473,052 144,296 SH   SOLE   0 0 144,296
KRAFT HEINZ CO COM 500754106   271,895 7,368 SH   SOLE   0 0 7,368
APPLE INC COM 037833100   8,905,246 51,932 SH   SOLE   0 0 51,932
VANECK ETF TRUST LONG MUNI ETF 92189F536   9,463,993 525,485 SH   SOLE   0 0 525,485