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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 324,227 1,780 SH   SOLE   0 0 1,780
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 717,172 3,910 SH   SOLE   0 0 3,910
AMAZON COM INC COM 023135106 BBG001S5PQL7 808,945 4,186 SH   SOLE   0 0 4,186
APPLE INC COM 037833100 BBG001S5N8V8 5,909,319 28,057 SH   SOLE   0 0 28,057
AT&T INC COM 00206R102 BBG001S5VWH2 516,367 27,021 SH   SOLE   0 0 27,021
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 394,876 9,929 SH   SOLE   0 0 9,929
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 380,101 2,430 SH   SOLE   0 0 2,430
CISCO SYS INC COM 17275R102 BBG001S6HC62 292,519 6,157 SH   SOLE   0 0 6,157
COCA COLA CONS INC COM 191098102 BBG001S5Q0W1 501,753 7,883 SH   SOLE   0 0 7,883
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 279,384 2,879 SH   SOLE   0 0 2,879
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 294,811 347 SH   SOLE   0 0 347
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 336,681 5,721 SH   SOLE   0 0 5,721
DISNEY WALT CO COM 254687106 BBG001S5QHF3 231,023 2,327 SH   SOLE   0 0 2,327
HERSHEY CO COM 427866108 BBG001S5S148 202,213 1,100 SH   SOLE   0 0 1,100
HOME DEPOT INC COM 437076102 BBG001S5RTW7 246,820 717 SH   SOLE   0 0 717
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 359,292 2,077 SH   SOLE   0 0 2,077
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 4,644,193 232,210 SH   SOLE   0 0 232,210
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 4,230,011 235,393 SH   SOLE   0 0 235,393
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 BBG00XS6PBW6 350,760 1,780 SH   SOLE   0 0 1,780
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 1,158,063 7,049 SH   SOLE   0 0 7,049
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 942,229 1,967 SH   SOLE   0 0 1,967
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,550,817 85,014 SH   SOLE   0 0 85,014
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 4,560,807 108,076 SH   SOLE   0 0 108,076
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 376,108 4,606 SH   SOLE   0 0 4,606
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 1,004,883 17,443 SH   SOLE   0 0 17,443
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,408,645 88,225 SH   SOLE   0 0 88,225
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,125,329 70,494 SH   SOLE   0 0 70,494
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 3,868,880 36,273 SH   SOLE   0 0 36,273
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 2,489,855 20,962 SH   SOLE   0 0 20,962
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 18,458,149 33,730 SH   SOLE   0 0 33,730
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 7,596,733 78,260 SH   SOLE   0 0 78,260
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 12,446,712 243,623 SH   SOLE   0 0 243,623
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 14,437,990 187,166 SH   SOLE   0 0 187,166
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,705,582 25,257 SH   SOLE   0 0 25,257
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 9,632,967 108,872 SH   SOLE   0 0 108,872
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 6,227,848 58,450 SH   SOLE   0 0 58,450
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,464,817 6,762 SH   SOLE   0 0 6,762
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 410,528 2,353 SH   SOLE   0 0 2,353
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 925,001 6,329 SH   SOLE   0 0 6,329
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,009,480 4,991 SH   SOLE   0 0 4,991
LAS VEGAS SANDS CORP COM 517834107 BBG001SJCGP9 278,775 6,300 SH   SOLE   0 0 6,300
MATINAS BIOPHARMA HLDGS INC COM 576810105 BBG005WX2XH7 298,667 1,886,715 SH   SOLE   0 0 1,886,715
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,134,132 9,161 SH   SOLE   0 0 9,161
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 608,089 1,206 SH   SOLE   0 0 1,206
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,512,768 5,622 SH   SOLE   0 0 5,622
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 287,056 4,054 SH   SOLE   0 0 4,054
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 911,689 7,380 SH   SOLE   0 0 7,380
ORACLE CORP COM 68389X105 BBG001S5SJG6 218,295 1,546 SH   SOLE   0 0 1,546
PIMCO ETF TR INV GRD CRP BD 72201R817 BBG001TCGQY7 8,738,696 91,919 SH   SOLE   0 0 91,919
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 224,291 1,360 SH   SOLE   0 0 1,360
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 239,672 3,252 SH   SOLE   0 0 3,252
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 13,685,091 515,252 SH   SOLE   0 0 515,252
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 15,807,336 411,435 SH   SOLE   0 0 411,435
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,049,261 21,801 SH   SOLE   0 0 21,801
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 24,637,226 540,527 SH   SOLE   0 0 540,527
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 10,094,778 160,566 SH   SOLE   0 0 160,566
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,277,764 67,872 SH   SOLE   0 0 67,872
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,556,496 25,352 SH   SOLE   0 0 25,352
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 598,492 8,079 SH   SOLE   0 0 8,079
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 48,453,662 754,143 SH   SOLE   0 0 754,143
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 10,266,395 131,908 SH   SOLE   0 0 131,908
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 9,187,046 193,615 SH   SOLE   0 0 193,615
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,438,963 98,032 SH   SOLE   0 0 98,032
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,748,504 99,509 SH   SOLE   0 0 99,509
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 451,703 830 SH   SOLE   0 0 830
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 22,591,669 732,307 SH   SOLE   0 0 732,307
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 5,325,712 116,409 SH   SOLE   0 0 116,409
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,524,458 22,976 SH   SOLE   0 0 22,976
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 7,701,727 306,964 SH   SOLE   0 0 306,964
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 3,095,968 95,085 SH   SOLE   0 0 95,085
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 1,992,133 38,833 SH   SOLE   0 0 38,833
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 9,816,832 153,388 SH   SOLE   0 0 153,388
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,810,999 43,607 SH   SOLE   0 0 43,607
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 208,210 7,212 SH   SOLE   0 0 7,212
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 1,253,124 31,149 SH   SOLE   0 0 31,149
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 707,284 1,891 SH   SOLE   0 0 1,891
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 369,770 739 SH   SOLE   0 0 739
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 748,874 2,799 SH   SOLE   0 0 2,799
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 426,049 2,656 SH   SOLE   0 0 2,656
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 217,100 3,702 SH   SOLE   0 0 3,702
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 286,654 2,545 SH   SOLE   0 0 2,545
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 509,444 2,791 SH   SOLE   0 0 2,791
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 218,376 695 SH   SOLE   0 0 695