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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 26,003 188,154 SH   SOLE   184,459 0 3,695
ISHARES TR RUSSELL 2000 ETF 464287655 22,603 137,056 SH   SOLE   134,208 0 2,848
ISHARES TR CORE S&P500 ETF 464287200 17,351 48,379 SH   SOLE   46,898 0 1,481
MICROSOFT CORP COM 594918104 15,876 68,167 SH   SOLE   67,032 0 1,135
ISHARES TR RUS MID CAP ETF 464287499 15,538 250,007 SH   SOLE   244,673 0 5,334
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14,813 333,935 SH   SOLE   326,416 0 7,519
ISHARES TR 0-5YR INVT GR CP 46434V100 13,190 278,267 SH   SOLE   273,878 0 4,389
SPDR SER TR BBG CONV SEC ETF 78464A359 12,260 193,674 SH   SOLE   189,900 0 3,774
ALPHABET INC CAP STK CL A 02079K305 8,668 90,621 SH   SOLE   87,365 0 3,256
VISA INC COM CL A 92826C839 8,665 48,775 SH   SOLE   47,959 0 816
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8,342 32,421 SH   SOLE   31,901 0 520
AMAZON COM INC COM 023135106 8,210 72,658 SH   SOLE   70,684 0 1,974
ELEVANCE HEALTH INC COM 036752103 8,015 17,645 SH   SOLE   17,043 0 602
PEPSICO INC COM 713448108 6,522 39,946 SH   SOLE   38,912 0 1,034
ISHARES INC CORE MSCI EMKT 46434G103 6,321 147,060 SH   SOLE   145,342 0 1,718
STRYKER CORPORATION COM 863667101 5,893 29,095 SH   SOLE   28,053 0 1,042
CARLISLE COS INC COM 142339100 5,889 21,000 SH   SOLE   20,491 0 509
JPMORGAN CHASE & CO COM 46625H100 5,667 54,226 SH   SOLE   52,898 0 1,328
AIR PRODS & CHEMS INC COM 009158106 5,389 23,154 SH   SOLE   22,701 0 453
LOWES COS INC COM 548661107 5,302 28,232 SH   SOLE   27,652 0 580
DISNEY WALT CO COM 254687106 5,298 56,168 SH   SOLE   54,459 0 1,709
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,276 27,041 SH   SOLE   26,545 0 496
MASTERCARD INCORPORATED CL A 57636Q104 4,767 16,765 SH   SOLE   16,198 0 567
BK OF AMERICA CORP COM 060505104 4,624 153,097 SH   SOLE   148,529 0 4,568
THERMO FISHER SCIENTIFIC INC COM 883556102 4,458 8,789 SH   SOLE   8,642 0 147
CHEVRON CORP NEW COM 166764100 4,310 29,998 SH   SOLE   29,126 0 872
AMGEN INC COM 031162100 4,180 18,543 SH   SOLE   18,174 0 369
EATON CORP PLC SHS G29183103 4,004 30,021 SH   SOLE   28,538 0 1,483
TE CONNECTIVITY LTD SHS H84989104 3,937 35,672 SH   SOLE   35,097 0 575
CVS HEALTH CORP COM 126650100 3,921 41,116 SH   SOLE   40,367 0 749
CONOCOPHILLIPS COM 20825C104 3,695 36,108 SH   SOLE   35,676 0 432
PNC FINL SVCS GROUP INC COM 693475105 3,648 24,415 SH   SOLE   24,415 0 0
CONSTELLATION BRANDS INC CL A 21036P108 3,598 15,666 SH   SOLE   15,332 0 334
TRANE TECHNOLOGIES PLC SHS G8994E103 3,548 24,504 SH   SOLE   23,686 0 818
QUALCOMM INC COM 747525103 3,411 30,192 SH   SOLE   29,655 0 537
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,411 26,832 SH   SOLE   26,439 0 393
D R HORTON INC COM 23331A109 3,317 49,244 SH   SOLE   48,336 0 908
ISHARES TR CORE S&P MCP ETF 464287507 3,305 15,075 SH   SOLE   14,546 0 529
PROLOGIS INC. COM 74340W103 3,260 32,085 SH   SOLE   31,478 0 607
AMERISOURCEBERGEN CORP COM 03073E105 3,244 23,968 SH   SOLE   23,537 0 431
ISHARES TR S&P MC 400VL ETF 464287705 3,239 35,984 SH   SOLE   34,554 0 1,430
JOHNSON & JOHNSON COM 478160104 3,234 19,795 SH   SOLE   19,606 0 189
DANAHER CORPORATION COM 235851102 3,231 12,508 SH   SOLE   11,378 0 1,130
UNITEDHEALTH GROUP INC COM 91324P102 3,229 6,394 SH   SOLE   6,262 0 132
FIFTH THIRD BANCORP COM 316773100 3,160 98,866 SH   SOLE   95,783 0 3,083
ALPHABET INC CAP STK CL C 02079K107 3,138 32,640 SH   SOLE   31,320 0 1,320
ABBVIE INC COM 00287Y109 2,942 21,919 SH   SOLE   21,744 0 175
ARROW ELECTRS INC COM 042735100 2,865 31,082 SH   SOLE   29,202 0 1,880
ISHARES TR MSCI EMG MKT ETF 464287234 2,852 81,767 SH   SOLE   77,314 0 4,453
LINDE PLC SHS G5494J103 2,788 10,341 SH   SOLE   10,106 0 235
HOME DEPOT INC COM 437076102 2,771 10,043 SH   SOLE   10,043 0 0
HUNTSMAN CORP COM 447011107 2,648 107,901 SH   SOLE   103,253 0 4,648
TRUIST FINL CORP COM 89832Q109 2,627 60,339 SH   SOLE   57,756 0 2,583
US BANCORP DEL COM NEW 902973304 2,561 63,518 SH   SOLE   61,419 0 2,099
CHUBB LIMITED COM H1467J104 2,560 14,077 SH   SOLE   13,449 0 628
MARSH & MCLENNAN COS INC COM 571748102 2,525 16,911 SH   SOLE   16,769 0 142
ISHARES TR MSCI EAFE ETF 464287465 2,498 44,608 SH   SOLE   43,836 0 772
INVESCO QQQ TR UNIT SER 1 46090E103 2,406 9,001 SH   SOLE   8,851 0 150
CAPITAL ONE FINL CORP COM 14040H105 2,349 25,488 SH   SOLE   24,765 0 723
ORACLE CORP COM 68389X105 2,349 38,459 SH   SOLE   36,759 0 1,700
TJX COS INC NEW COM 872540109 2,250 36,214 SH   SOLE   35,981 0 233
AMERICAN ELEC PWR CO INC COM 025537101 2,227 25,755 SH   SOLE   25,074 0 681
PHILLIPS 66 COM 718546104 2,173 26,926 SH   SOLE   26,420 0 506
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,155 35,596 SH   SOLE   34,534 0 1,062
HONEYWELL INTL INC COM 438516106 2,122 12,711 SH   SOLE   12,540 0 171
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,990 24,304 SH   SOLE   24,304 0 0
COMCAST CORP NEW CL A 20030N101 1,951 66,517 SH   SOLE   65,884 0 633
PULTE GROUP INC COM 745867101 1,846 49,239 SH   SOLE   48,039 0 1,200
ROYAL BK CDA COM 780087102 1,817 20,177 SH   SOLE   20,012 0 165
PPL CORP COM 69351T106 1,812 71,485 SH   SOLE   69,943 0 1,542
KEARNY FINL CORP MD COM 48716P108 1,773 166,946 SH   SOLE   45,343 0 121,603
NIKE INC CL B 654106103 1,747 21,021 SH   SOLE   20,543 0 478
ISHARES TR CORE S&P SCP ETF 464287804 1,734 19,888 SH   SOLE   18,250 0 1,638
PROCTER AND GAMBLE CO COM 742718109 1,686 13,358 SH   SOLE   13,335 0 23
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,668 6,247 SH   SOLE   6,247 0 0
ALLEGION PLC ORD SHS G0176J109 1,656 18,470 SH   SOLE   17,627 0 843
UNILEVER PLC SPON ADR NEW 904767704 1,646 37,539 SH   SOLE   36,589 0 950
MERCK & CO INC COM 58933Y105 1,624 18,855 SH   SOLE   18,728 0 127
VERIZON COMMUNICATIONS INC COM 92343V104 1,599 42,123 SH   SOLE   41,654 0 469
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,486 14,218 SH   SOLE   14,102 0 116
COLGATE PALMOLIVE CO COM 194162103 1,439 20,477 SH   SOLE   20,477 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,422 3,010 SH   SOLE   2,984 0 26
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,382 4,209 SH   SOLE   4,004 0 205
PARKER-HANNIFIN CORP COM 701094104 1,366 5,636 SH   SOLE   5,436 0 200
ISHARES TR SELECT DIVID ETF 464287168 1,364 12,723 SH   SOLE   12,723 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,265 3,541 SH   SOLE   3,533 0 8
DOMINION ENERGY INC COM 25746U109 1,249 18,077 SH   SOLE   17,777 0 300
LAM RESEARCH CORP COM 512807108 1,239 3,384 SH   SOLE   3,343 0 41
DEERE & CO COM 244199105 1,231 3,687 SH   SOLE   3,488 0 199
ISHARES TR S&P MC 400GR ETF 464287606 1,220 19,352 SH   SOLE   19,352 0 0
ISHARES TR RUS 1000 ETF 464287622 1,212 6,140 SH   SOLE   6,140 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,195 5,283 SH   SOLE   5,208 0 75
WASTE MGMT INC DEL COM 94106L109 1,159 7,232 SH   SOLE   7,090 0 142
META PLATFORMS INC CL A 30303M102 1,149 8,471 SH   SOLE   8,306 0 165
S&P GLOBAL INC COM 78409V104 1,134 3,714 SH   SOLE   3,714 0 0
NEXTERA ENERGY INC COM 65339F101 1,112 14,186 SH   SOLE   14,186 0 0
PFIZER INC COM 717081103 1,109 25,348 SH   SOLE   25,175 0 173
MASCO CORP COM 574599106 1,103 23,625 SH   SOLE   23,066 0 559
MCDONALDS CORP COM 580135101 1,089 4,718 SH   SOLE   4,558 0 160
AMERICAN TOWER CORP NEW COM 03027X100 1,085 5,053 SH   SOLE   4,972 0 81
CATERPILLAR INC COM 149123101 1,066 6,497 SH   SOLE   6,497 0 0
NVIDIA CORPORATION COM 67066G104 1,063 8,757 SH   SOLE   8,453 0 304
TOYOTA MOTOR CORP ADS 892331307 1,047 8,033 SH   SOLE   7,933 0 100
LOCKHEED MARTIN CORP COM 539830109 1,032 2,670 SH   SOLE   2,656 0 14
NORFOLK SOUTHN CORP COM 655844108 1,027 4,899 SH   SOLE   4,899 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 994 13,803 SH   SOLE   13,403 0 400
TESLA INC COM 88160R101 977 3,684 SH   SOLE   3,684 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 961 26,691 SH   SOLE   26,360 0 331
UNION PAC CORP COM 907818108 960 4,930 SH   SOLE   4,930 0 0
CISCO SYS INC COM 17275R102 945 23,634 SH   SOLE   23,634 0 0
EXXON MOBIL CORP COM 30231G102 937 10,737 SH   SOLE   10,737 0 0
SUMMIT MATLS INC CL A 86614U100 888 37,051 SH   SOLE   36,545 0 506
DIGITAL RLTY TR INC COM 253868103 851 8,577 SH   SOLE   8,488 0 89
BLACKROCK INC COM 09247X101 833 1,513 SH   SOLE   1,436 0 77
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 790 6,652 SH   SOLE   6,652 0 0
ISHARES TR EAFE SML CP ETF 464288273 772 15,832 SH   SOLE   15,832 0 0
PRICE T ROWE GROUP INC COM 74144T108 768 7,315 SH   SOLE   7,240 0 75
ILLINOIS TOOL WKS INC COM 452308109 763 4,224 SH   SOLE   4,174 0 50
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 755 20,689 SH   SOLE   20,689 0 0
TARGET CORP COM 87612E106 707 4,762 SH   SOLE   4,462 0 300
FREEPORT-MCMORAN INC CL B 35671D857 694 25,385 SH   SOLE   25,144 0 241
COCA COLA CO COM 191216100 637 11,367 SH   SOLE   10,867 0 500
FEDEX CORP COM 31428X106 632 4,260 SH   SOLE   4,202 0 58
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 621 34,367 SH   SOLE   33,507 0 860
CITIGROUP INC COM NEW 172967424 619 14,846 SH   SOLE   14,621 0 225
M & T BK CORP COM 55261F104 619 3,512 SH   SOLE   3,512 0 0
TEXAS INSTRS INC COM 882508104 610 3,938 SH   SOLE   3,938 0 0
KIMBERLY-CLARK CORP COM 494368103 587 5,216 SH   SOLE   5,216 0 0
PPG INDS INC COM 693506107 567 5,119 SH   SOLE   5,039 0 80
INGERSOLL RAND INC COM 45687V106 565 13,057 SH   SOLE   12,397 0 660
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 563 1,401 SH   SOLE   1,401 0 0
DISCOVER FINL SVCS COM 254709108 557 6,131 SH   SOLE   6,131 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 549 15,427 SH   SOLE   15,427 0 0
MCKESSON CORP COM 58155Q103 545 1,604 SH   SOLE   1,414 0 190
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 534 5,549 SH   SOLE   5,549 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 522 7,348 SH   SOLE   7,348 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 514 1,671 SH   SOLE   1,671 0 0
SPDR SER TR S&P DIVID ETF 78464A763 499 4,477 SH   SOLE   4,298 0 179
VANGUARD INDEX FDS SMALL CP ETF 922908751 484 2,832 SH   SOLE   2,832 0 0
RESMED INC COM 761152107 478 2,191 SH   SOLE   2,191 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 465 2,079 SH   SOLE   2,079 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 459 12,621 SH   SOLE   12,621 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 433 14,255 SH   SOLE   14,255 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 414 4,549 SH   SOLE   4,549 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 411 2,009 SH   SOLE   2,009 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 411 2,887 SH   SOLE   2,887 0 0
OTIS WORLDWIDE CORP COM 68902V107 408 6,389 SH   SOLE   6,389 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 407 6,631 SH   SOLE   6,631 0 0
WORLD FUEL SVCS CORP COM 981475106 404 4,667 SH   SOLE   4,667 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 399 4,202 SH   SOLE   4,202 0 0
CUMMINS INC COM 231021106 392 1,927 SH   SOLE   1,807 0 120
QUEST DIAGNOSTICS INC COM 74834L100 385 3,141 SH   SOLE   3,141 0 0
GENERAL DYNAMICS CORP COM 369550108 378 1,783 SH   SOLE   1,783 0 0
MCCORMICK & CO INC COM NON VTG 579780206 367 5,150 SH   SOLE   5,150 0 0
WELLS FARGO CO NEW COM 949746101 364 9,048 SH   SOLE   9,048 0 0
ABBOTT LABS COM 002824100 361 3,729 SH   SOLE   3,729 0 0
TOLL BROTHERS INC COM 889478103 347 8,273 SH   SOLE   7,973 0 300
T-MOBILE US INC COM 872590104 346 2,576 SH   SOLE   2,576 0 0
TRAVELERS COMPANIES INC COM 89417E109 330 2,156 SH   SOLE   2,156 0 0
ISHARES TR CORE US AGGBD ET 464287226 329 3,411 SH   SOLE   2,861 0 550
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 329 4,352 SH   SOLE   4,352 0 0
GLOBE LIFE INC COM 37959E102 328 3,286 SH   SOLE   3,286 0 0
INTEL CORP COM 458140100 327 12,676 SH   SOLE   12,676 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 321 7,585 SH   SOLE   7,585 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 320 1,093 SH   SOLE   1,073 0 20
SCHWAB CHARLES CORP COM 808513105 320 4,449 SH   SOLE   4,449 0 0
STARBUCKS CORP COM 855244109 319 3,787 SH   SOLE   3,487 0 300
VANGUARD INDEX FDS TOTAL STK MKT 922908769 315 1,754 SH   SOLE   1,464 0 290
EXELON CORP COM 30161N101 312 8,335 SH   SOLE   8,335 0 0
NUCOR CORP COM 670346105 309 2,884 SH   SOLE   2,884 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 298 2,384 SH   SOLE   984 0 1,400
DUKE ENERGY CORP NEW COM NEW 26441C204 293 3,152 SH   SOLE   2,992 0 160
HERSHEY CO COM 427866108 293 1,330 SH   SOLE   1,330 0 0
GALLAGHER ARTHUR J & CO COM 363576109 286 1,668 SH   SOLE   1,668 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 283 1,324 SH   SOLE   1,324 0 0
BROWN & BROWN INC COM 115236101 282 4,657 SH   SOLE   4,657 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 278 1,477 SH   SOLE   1,477 0 0
GENUINE PARTS CO COM 372460105 277 1,856 SH   SOLE   1,856 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 269 4,052 SH   SOLE   4,052 0 0
MOOG INC CL A 615394202 264 3,751 SH   SOLE   3,631 0 120
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 262 4,548 SH   SOLE   4,548 0 0
NOVARTIS AG SPONSORED ADR 66987V109 243 3,193 SH   SOLE   3,193 0 0
WALMART INC COM 931142103 241 1,860 SH   SOLE   1,860 0 0
BECTON DICKINSON & CO COM 075887109 238 1,066 SH   SOLE   967 0 99
SYNOPSYS INC COM 871607107 237 775 SH   SOLE   775 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 231 6,106 SH   SOLE   5,458 0 648
COHEN & STEERS QUALITY INCOM COM 19247L106 221 19,603 SH   SOLE   19,603 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 218 1,509 SH   SOLE   1,509 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 216 5,004 SH   SOLE   5,004 0 0
FACTSET RESH SYS INC COM 303075105 211 528 SH   SOLE   528 0 0
AON PLC SHS CL A G0403H108 207 774 SH   SOLE   774 0 0
INVESCO EXCH TRADED FD TR II KBW REGL BKG 46138E578 201 3,636 SH   SOLE   3,382 0 254
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 200 3,293 SH   SOLE   3,293 0 0
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3 123 120,000 SH   SOLE   120,000 0 0
FORD MTR CO DEL COM 345370860 169 15,073 SH   SOLE   15,073 0 0
KINDER MORGAN INC DEL COM 49456B101 181 10,863 SH   SOLE   10,863 0 0
GERON CORP COM 374163103 23 10,000 SH   SOLE   0 0 10,000