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
ISHARES TR CORE S&P500 ETF 464287200   62,064,622 113,416 SH   SOLE   0 0 113,416
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   48,453,662 754,143 SH   SOLE   0 0 754,143
ISHARES TR FLTG RATE NT ETF 46429B655   33,451,085 654,748 SH   SOLE   0 0 654,748
ISHARES TR CORE US AGGBD ET 464287226   32,453,329 334,329 SH   SOLE   0 0 334,329
ISHARES TR IBOXX HI YD ETF 464288513   27,730,815 359,487 SH   SOLE   0 0 359,487
SPDR SER TR BLOMBERG BRC INV 78468R200   25,026,764 811,240 SH   SOLE   0 0 811,240
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   24,743,883 542,867 SH   SOLE   0 0 542,867
ISHARES TR CORE MSCI EAFE 46432F842   22,636,378 311,624 SH   SOLE   0 0 311,624
ISHARES TR JPMORGAN USD EMG 464288281   18,812,054 212,614 SH   SOLE   0 0 212,614
ISHARES TR CORE MSCI EMKT 46434G103   18,215,603 340,288 SH   SOLE   0 0 340,288
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,807,336 411,435 SH   SOLE   0 0 411,435
ISHARES TR CORE S&P MCP ETF 464287507   15,662,157 267,638 SH   SOLE   0 0 267,638
SPDR TR S&P 500 ETF TR TR UNIT 78462F103   14,522,715 26,685 SH   SOLE   0 0 26,685
ISHARES TR CORE S&P SCP ETF 464287804   14,300,174 134,073 SH   SOLE   0 0 134,073
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   13,685,091 515,252 SH   SOLE   0 0 515,252
APPLE INC COM 037833100   13,351,366 63,391 SH   SOLE   0 0 63,391
ISHARES TR NATIONAL MUN ETF 464288414   13,140,598 123,328 SH   SOLE   0 0 123,328
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854   11,523,306 180,052 SH   SOLE   0 0 180,052
ISHARES TR CORE S&P TTL STK 464287150   11,168,589 94,028 SH   SOLE   0 0 94,028
ISHARES TR IBOXX INV CP ETF 464287242   10,536,887 98,365 SH   SOLE   0 0 98,365
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,272,855 131,991 SH   SOLE   0 0 131,991
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,099,556 160,642 SH   SOLE   0 0 160,642
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   9,605,664 382,848 SH   SOLE   0 0 382,848
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,187,046 193,615 SH   SOLE   0 0 193,615
PIMCO ETF TR INV GRD CRP BD 72201R817   8,757,806 92,120 SH   SOLE   0 0 92,120
ISHARES TR 0-5YR HI YL CP 46434V407   6,951,110 164,718 SH   SOLE   0 0 164,718
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,921,933 197,318 SH   SOLE   0 0 197,318
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,512,825 172,892 SH   SOLE   0 0 172,892
SPDR SER TR NUVEEN BRC MUNIC 78468R721   5,720,214 125,032 SH   SOLE   0 0 125,032
ISHARES TR CORE DIV GRWTH 46434V621   5,391,507 93,586 SH   SOLE   0 0 93,586
MICROSOFT CORP COM 594918104   5,282,070 11,818 SH   SOLE   0 0 11,818
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,277,764 67,872 SH   SOLE   0 0 67,872
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784   5,108,752 255,438 SH   SOLE   0 0 255,438
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375   4,971,101 152,675 SH   SOLE   0 0 152,675
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719   4,230,011 235,393 SH   SOLE   0 0 235,393
ISHARES TR RUS 1000 GRW ETF 464287614   3,479,702 9,546 SH   SOLE   0 0 9,546
META PLATFORMS INC CL A 30303M102   2,975,906 5,902 SH   SOLE   0 0 5,902
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,556,496 25,352 SH   SOLE   0 0 25,352
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847   2,422,640 47,225 SH   SOLE   0 0 47,225
SPDR SER TR PORTFOLIO SM ETF 78468R853   2,154,564 51,880 SH   SOLE   0 0 51,880
JPMORGAN CHASE & CO COM 46625H100   2,084,087 10,304 SH   SOLE   0 0 10,304
UNITED PARCEL SERVICE INC CL B 911312106   1,995,136 14,579 SH   SOLE   0 0 14,579
NVIDIA CORPORATION COM 67066G104   1,869,124 15,130 SH   SOLE   0 0 15,130
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805   1,737,357 26,185 SH   SOLE   0 0 26,185
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,716,929 42,678 SH   SOLE   0 0 42,678
ISHARES TR 1 3 YR TREAS BD 464287457   1,648,056 20,184 SH   SOLE   0 0 20,184
ISHARES TR NASDAQ BIOTECH 464287556   1,257,713 9,163 SH   SOLE   0 0 9,163
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,158,063 7,049 SH   SOLE   0 0 7,049
MERCK & CO INC COM 58933Y105   1,136,608 9,181 SH   SOLE   0 0 9,181
AMAZON COM INC COM 023135106   1,127,034 5,832 SH   SOLE   0 0 5,832
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,068,561 22,202 SH   SOLE   0 0 22,202
JOHNSON & JOHNSON COM 478160104   983,687 6,730 SH   SOLE   0 0 6,730
SELECT SECTOR SPDR TR ENERGY 81369Y506   961,268 10,546 SH   SOLE   0 0 10,546
INVESCO QQQ TR UNIT SER 1 46090E103   942,229 1,967 SH   SOLE   0 0 1,967
VANGUARD INDEX FDS GROWTH ETF 922908736   819,487 2,191 SH   SOLE   0 0 2,191
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   816,118 2,613 SH   SOLE   0 0 2,613
VANGUARD INDEX FDS TOTAL STK MKT 922908769   749,141 2,800 SH   SOLE   0 0 2,800
ALPHABET INC CAP STK CL C 02079K107   737,532 4,021 SH   SOLE   0 0 4,021
ELI LILLY & CO COM 532457108   727,926 804 SH   SOLE   0 0 804
SPDR GOLD TR SPDR GOLD TR 78463V107   677,282 3,150 SH   SOLE   0 0 3,150
ALPHABET INC CAP STK CL A 02079K305   647,361 3,554 SH   SOLE   0 0 3,554
VISA INC COM CL A 92826C839   618,117 2,355 SH   SOLE   0 0 2,355
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   598,492 8,079 SH   SOLE   0 0 8,079
RESIDEO TECHNOLOGIES INC COM 76118Y104   594,702 30,404 SH   SOLE   0 0 30,404
AT&T INC COM 00206R102   587,150 30,725 SH   SOLE   0 0 30,725
BANK AMER CORP COM 060505104   585,295 14,717 SH   SOLE   0 0 14,717
COCA COLA CONSOLIDATED INC COM 191098102   543,189 8,534 SH   SOLE   0 0 8,534
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   540,815 1,081 SH   SOLE   0 0 1,081
ISHARES TR RUS 1000 VAL ETF 464287598   539,550 3,093 SH   SOLE   0 0 3,093
VANGUARD INDEX FDS VALUE ETF 922908744   514,595 3,208 SH   SOLE   0 0 3,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   512,182 2,806 SH   SOLE   0 0 2,806
ISHARES TR US AER DEF ETF 464288760   509,713 3,860 SH   SOLE   0 0 3,860
VANGUARD WORLD FDS INF TECH ETF 92204A702   484,336 840 SH   SOLE   0 0 840
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   476,977 10,616 SH   SOLE   0 0 10,616
EXXON MOBIL CORP COM 30231G102   474,525 4,122 SH   SOLE   0 0 4,122
HOME DEPOT INC COM 437076102   449,233 1,305 SH   SOLE   0 0 1,305
INTERNATIONAL BUSINESS MACHS COM 459200101   447,324 2,586 SH   SOLE   0 0 2,586
PROCTER AND GAMBLE CO COM 742718109   433,080 2,626 SH   SOLE   0 0 2,626
PFIZER INC COM 717081103   422,706 15,107 SH   SOLE   0 0 15,107
CHEVRON CORP NEW COM 166764100   412,167 2,635 SH   SOLE   0 0 2,635
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   395,676 1,749 SH   SOLE   0 0 1,749
COUPANG INC CL A 22266T109   376,472 17,970 SH   SOLE   0 0 17,970
CISCO SYS INC COM 17275R102   362,359 7,627 SH   SOLE   0 0 7,627
NEXTERA ENERGY INC COM 65339F101   356,269 5,031 SH   SOLE   0 0 5,031
PEPSICO INC COM 713448108   354,586 2,150 SH   SOLE   0 0 2,150
ORACLE CORP COM 68389X105   352,718 2,498 SH   SOLE   0 0 2,498
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   350,760 1,780 SH   SOLE   0 0 1,780
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   336,681 5,721 SH   SOLE   0 0 5,721
ISHARES TR RUS MD CP GR ETF 464287481   322,884 2,926 SH   SOLE   0 0 2,926
MATINAS BIOPHARMA HLDGS INC COM 576810105   298,667 1,886,715 SH   SOLE   0 0 1,886,715
COSTCO WHSL CORP NEW COM 22160K105   298,211 351 SH   SOLE   0 0 351
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   286,654 2,545 SH   SOLE   0 0 2,545
DISNEY WALT CO COM 254687106   283,613 2,856 SH   SOLE   0 0 2,856
COLGATE PALMOLIVE CO COM 194162103   279,967 2,885 SH   SOLE   0 0 2,885
LAS VEGAS SANDS CORP COM 517834107   279,085 6,307 SH   SOLE   0 0 6,307
COMCAST CORP NEW CL A 20030N101   272,555 6,960 SH   SOLE   0 0 6,960
WALMART INC COM 931142103   271,520 4,010 SH   SOLE   0 0 4,010
ISHARES TR RUSSELL 1000 US 46435G169   269,274 905 SH   SOLE   0 0 905
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   269,152 3,652 SH   SOLE   0 0 3,652
BOEING CO COM 097023105   246,988 1,357 SH   SOLE   0 0 1,357
SPDR SER TR PORTFOLIO SHORT 78464A474   240,442 8,328 SH   SOLE   0 0 8,328
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   227,079 1,915 SH   SOLE   0 0 1,915
VANGUARD WORLD FD MEGA GRWTH IND 921910816   218,376 695 SH   SOLE   0 0 695
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   217,100 3,702 SH   SOLE   0 0 3,702
CONSOLIDATED EDISON INC COM 209115104   212,283 2,374 SH   SOLE   0 0 2,374
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   208,282 512 SH   SOLE   0 0 512
HERSHEY CO COM 427866108   202,213 1,100 SH   SOLE   0 0 1,100