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
3M CO COM 88579Y101 250 250 SH   SOLE   0 0 250
ABBOTT LABS COM 002824100 420 420 SH   SOLE   0 0 420
ABBVIE INC COM 00287Y109 415 415 SH   SOLE   0 0 415
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 325 325 SH   SOLE   0 0 325
AGNC INVT CORP COM 00123Q104 1,910 1,910 SH   SOLE   0 0 1,910
ALPHA ARCHITECT ETF TR VIRIDI CLEANER 02072L755 257 257 SH   SOLE   0 0 257
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 31,858 31,858 SH   SOLE   0 0 31,858
AMERICAN ELEC PWR CO INC COM 025537101 450 450 SH   SOLE   0 0 450
AMGEN INC COM 031162100 275 275 SH   SOLE   0 0 275
APPLE INC COM 037833100 11,323 11,323 SH   SOLE   0 0 11,323
AT&T INC COM 00206R102 9,689 9,689 SH   SOLE   0 0 9,689
ATOMERA INC COM 04965B100 293 293 SH   SOLE   0 0 293
AUTOMATIC DATA PROCESSING IN COM 053015103 307 307 SH   SOLE   0 0 307
BAXTER INTL INC COM 071813109 1,200 1,200 SH   SOLE   0 0 1,200
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 624 624 SH   SOLE   0 0 624
BK OF AMERICA CORP COM 060505104 266 266 SH   SOLE   0 0 266
BLACKROCK ETF TRUST II INTERMEDIA MUNI 092528207 15,696 15,696 SH   SOLE   0 0 15,696
BLACKSTONE INC COM 09260D107 268 268 SH   SOLE   0 0 268
BOEING CO COM 097023105 480 480 SH   SOLE   0 0 480
BRISTOL-MYERS SQUIBB CO COM 110122108 610 610 SH   SOLE   0 0 610
CAPITAL GROUP CORE PLUS INCO SHS CREATION UNI 14020Y102 1,488 1,488 SH   SOLE   0 0 1,488
CARDINAL HEALTH INC COM 14149Y108 621 621 SH   SOLE   0 0 621
CARRIER GLOBAL CORPORATION COM 14448C104 429 429 SH   SOLE   0 0 429
CERNER CORP COM 156782104 200 200 SH   SOLE   0 0 200
CHEVRON CORP NEW COM 166764100 343 343 SH   SOLE   0 0 343
CHIMERA INVT CORP COM NEW 16934Q208 2,658 2,658 SH   SOLE   0 0 2,658
CISCO SYS INC COM 17275R102 1,203 1,203 SH   SOLE   0 0 1,203
CLOROX CO DEL COM 189054109 200 200 SH   SOLE   0 0 200
COCA COLA CO COM 191216100 1,108 1,108 SH   SOLE   0 0 1,108
COLGATE PALMOLIVE CO COM 194162103 950 950 SH   SOLE   0 0 950
COMCAST CORP NEW CL A 20030N101 3,175 3,175 SH   SOLE   0 0 3,175
CONSOLIDATED EDISON INC COM 209115104 4,629 4,629 SH   SOLE   0 0 4,629
CORTEVA INC COM 22052L104 466 466 SH   SOLE   0 0 466
CSX CORP COM 126408103 1,116 1,116 SH   SOLE   0 0 1,116
DANAHER CORPORATION COM 235851102 319 319 SH   SOLE   0 0 319
DELTA AIR LINES INC DEL COM NEW 247361702 250 250 SH   SOLE   0 0 250
DELUXE CORP COM 248019101 200 200 SH   SOLE   0 0 200
DIME CMNTY BANCSHARES INC COM 25432X102 531 531 SH   SOLE   0 0 531
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 43,750 43,750 SH   SOLE   0 0 43,750
DISNEY WALT CO COM 254687106 234 234 SH   SOLE   0 0 234
DOMINION ENERGY INC COM 25746U109 1,385 1,385 SH   SOLE   0 0 1,385
DOW INC COM 260557103 407 407 SH   SOLE   0 0 407
DUKE ENERGY CORP NEW COM NEW 26441C204 883 883 SH   SOLE   0 0 883
DUPONT DE NEMOURS INC COM 26614N102 407 407 SH   SOLE   0 0 407
EDWARDS LIFESCIENCES CORP COM 28176E108 3,996 3,996 SH   SOLE   0 0 3,996
EXCHANGE TRADED CONCEPTS TR BITWISE CRYPTO 301505624 356 356 SH   SOLE   0 0 356
EXELON CORP COM 30161N101 256 256 SH   SOLE   0 0 256
EXXON MOBIL CORP COM 30231G102 2,948 2,948 SH   SOLE   0 0 2,948
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 1,392 1,392 SH   SOLE   0 0 1,392
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 93,778 93,778 SH   SOLE   0 0 93,778
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 30,398 30,398 SH   SOLE   0 0 30,398
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 30,648 30,648 SH   SOLE   0 0 30,648
FIRST TR EXCH TRADED FD III MUNI HI INCM ETF 33739P301 432 432 SH   SOLE   0 0 432
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 65,119 65,119 SH   SOLE   0 0 65,119
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 168,577 168,577 SH   SOLE   0 0 168,577
FRANKLIN TEMPLETON ETF TR LIBERTY FDRL TAX 35473P850 38,108 38,108 SH   SOLE   0 0 38,108
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 20,283 20,283 SH   SOLE   0 0 20,283
GENERAL MTRS CO COM 37045V100 200 200 SH   SOLE   0 0 200
GILEAD SCIENCES INC COM 375558103 300 300 SH   SOLE   0 0 300
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 200,070 200,070 SH   SOLE   0 0 200,070
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 29,781 29,781 SH   SOLE   0 0 29,781
HARTFORD FINL SVCS GROUP INC COM 416515104 1,071 1,071 SH   SOLE   0 0 1,071
HOME DEPOT INC COM 437076102 415 415 SH   SOLE   0 0 415
HONEYWELL INTL INC COM 438516106 324 324 SH   SOLE   0 0 324
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 26,502 26,502 SH   SOLE   0 0 26,502
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827 55,958 55,958 SH   SOLE   0 0 55,958
INTEL CORP COM 458140100 307 307 SH   SOLE   0 0 307
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 1,107 1,107 SH   SOLE   0 0 1,107
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 826 826 SH   SOLE   0 0 826
INVESCO QQQ TR UNIT SER 1 46090E103 10,293 10,293 SH   SOLE   0 0 10,293
ISHARES TR CONSER ALLOC ETF 464289883 564 564 SH   SOLE   0 0 564
ISHARES TR U.S. FINLS ETF 464287788 599 599 SH   SOLE   0 0 599
ISHARES TR CORE S&P SCP ETF 464287804 33,886 33,886 SH   SOLE   0 0 33,886
ISHARES TR CORE S&P MCP ETF 464287507 12,812 12,812 SH   SOLE   0 0 12,812
ISHARES TR MSCI EMG MKT ETF 464287234 1,224 1,224 SH   SOLE   0 0 1,224
ISHARES TR EAFE VALUE ETF 464288877 263 263 SH   SOLE   0 0 263
ISHARES TR PFD AND INCM SEC 464288687 1,253 1,253 SH   SOLE   0 0 1,253
ISHARES TR RUS 1000 GRW ETF 464287614 1,471 1,471 SH   SOLE   0 0 1,471
ISHARES TR SELECT DIVID ETF 464287168 1,228 1,228 SH   SOLE   0 0 1,228
ISHARES TR SP SMCP600VL ETF 464287879 2,358 2,358 SH   SOLE   0 0 2,358
ISHARES TR NORTH AMERN NAT 464287374 2,162 2,162 SH   SOLE   0 0 2,162
ISHARES TR CORE S&P500 ETF 464287200 13,082 13,082 SH   SOLE   0 0 13,082
ISHARES TR CORE TOTAL USD 46434V613 381 381 SH   SOLE   0 0 381
ISHARES TR NEW YORK MUN ETF 464288323 276 276 SH   SOLE   0 0 276
ISHARES TR MSCI EAFE MIN VL 46429B689 989 989 SH   SOLE   0 0 989
ISHARES TR RUSSELL 2000 ETF 464287655 998 998 SH   SOLE   0 0 998
ISHARES TR MODERT ALLOC ETF 464289875 1,164 1,164 SH   SOLE   0 0 1,164
ISHARES TR AGGRES ALLOC ETF 464289859 5,281 5,281 SH   SOLE   0 0 5,281
ISHARES TR GRWT ALLOCAT ETF 464289867 5,913 5,913 SH   SOLE   0 0 5,913
ISHARES TR RUS MID CAP ETF 464287499 3,960 3,960 SH   SOLE   0 0 3,960
ISHARES TR CRE U S REIT ETF 464288521 4,478 4,478 SH   SOLE   0 0 4,478
ISHARES TR CORE MSCI EAFE 46432F842 4,001 4,001 SH   SOLE   0 0 4,001
ISHARES TR RUS 1000 ETF 464287622 6,877 6,877 SH   SOLE   0 0 6,877
ISHARES TR RUS 1000 VAL ETF 464287598 642 642 SH   SOLE   0 0 642
ISHARES TR MSCI EAFE ETF 464287465 7,474 7,474 SH   SOLE   0 0 7,474
J P MORGAN EXCHANGE-TRADED F CORE PLUS BD ETF 46641Q670 175,689 175,689 SH   SOLE   0 0 175,689
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 328 328 SH   SOLE   0 0 328
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 258 258 SH   SOLE   0 0 258
J P MORGAN EXCHANGE-TRADED F MUNICIPAL ETF 46641Q647 33,016 33,016 SH   SOLE   0 0 33,016
JOHNSON & JOHNSON COM 478160104 862 862 SH   SOLE   0 0 862
JPMORGAN CHASE & CO COM 46625H100 463 463 SH   SOLE   0 0 463
LEGG MASON ETF INVT TR WESTN ASET TTL 52468L810 135,221 135,221 SH   SOLE   0 0 135,221
LILLY ELI & CO COM 532457108 200 200 SH   SOLE   0 0 200
LOCKHEED MARTIN CORP COM 539830109 560 560 SH   SOLE   0 0 560
MASTERCARD INCORPORATED CL A 57636Q104 497 497 SH   SOLE   0 0 497
MEDTRONIC PLC SHS G5960L103 252 252 SH   SOLE   0 0 252
MERCK & CO INC COM 58933Y105 254 254 SH   SOLE   0 0 254
META PLATFORMS INC CL A 30303M102 261 261 SH   SOLE   0 0 261
MICROCHIP TECHNOLOGY INC. COM 595017104 300 300 SH   SOLE   0 0 300
MICROSOFT CORP COM 594918104 3,698 3,698 SH   SOLE   0 0 3,698
MONDELEZ INTL INC CL A 609207105 271 271 SH   SOLE   0 0 271
NIKE INC CL B 654106103 476 476 SH   SOLE   0 0 476
ORACLE CORP COM 68389X105 7,039 7,039 SH   SOLE   0 0 7,039
OSI ETF TR OSHARES US QUALT 67110P407 1,583 1,583 SH   SOLE   0 0 1,583
OTIS WORLDWIDE CORP COM 68902V107 214 214 SH   SOLE   0 0 214
PEPSICO INC COM 713448108 291 291 SH   SOLE   0 0 291
PFIZER INC COM 717081103 1,777 1,777 SH   SOLE   0 0 1,777
PGIM ETF TR TOTAL RETURN BON 69344A800 404 404 SH   SOLE   0 0 404
PIMCO ETF TR INTER MUN BD ACT 72201R866 8,307 8,307 SH   SOLE   0 0 8,307
PIMCO ETF TR MUNI INCOME OPP 72201R635 20,758 20,758 SH   SOLE   0 0 20,758
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 12,323 12,323 SH   SOLE   0 0 12,323
PIMCO ETF TR ACTIVE BD ETF 72201R775 77,211 77,211 SH   SOLE   0 0 77,211
PROCTER AND GAMBLE CO COM 742718109 1,736 1,736 SH   SOLE   0 0 1,736
PROSHARES TR MSCI EAFE DIVD 74347B839 94,130 94,130 SH   SOLE   0 0 94,130
PROSHARES TR S&P MDCP 400 DIV 74347B680 46,139 46,139 SH   SOLE   0 0 46,139
PROSHARES TR MSCI EMRG MKTS 74347B847 32,562 32,562 SH   SOLE   0 0 32,562
PROSHARES TR RUSS 2000 DIVD 74347B698 37,384 37,384 SH   SOLE   0 0 37,384
PROSHARES TR S&P 500 DV ARIST 74348A467 182,513 182,513 SH   SOLE   0 0 182,513
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 2,058 2,058 SH   SOLE   0 0 2,058
RAYTHEON TECHNOLOGIES CORP COM 75513E101 599 599 SH   SOLE   0 0 599
ROYAL CARIBBEAN GROUP COM V7780T103 500 500 SH   SOLE   0 0 500
SCHWAB CHARLES CORP COM 808513105 1,561 1,561 SH   SOLE   0 0 1,561
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 280 280 SH   SOLE   0 0 280
SCHWAB STRATEGIC TR US REIT ETF 808524847 59,155 59,155 SH   SOLE   0 0 59,155
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,196 3,196 SH   SOLE   0 0 3,196
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 376 376 SH   SOLE   0 0 376
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 242 242 SH   SOLE   0 0 242
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 612 612 SH   SOLE   0 0 612
SELECT SECTOR SPDR TR ENERGY 81369Y506 597 597 SH   SOLE   0 0 597
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 500 500 SH   SOLE   0 0 500
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 596 596 SH   SOLE   0 0 596
SOUTHERN CO COM 842587107 250 250 SH   SOLE   0 0 250
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 213 213 SH   SOLE   0 0 213
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 27,266 27,266 SH   SOLE   0 0 27,266
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 4,276 4,276 SH   SOLE   0 0 4,276
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 433,144 433,144 SH   SOLE   0 0 433,144
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 1,273 1,273 SH   SOLE   0 0 1,273
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 8,762 8,762 SH   SOLE   0 0 8,762
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,906 5,906 SH   SOLE   0 0 5,906
SPDR S&P 500 ETF TR TR UNIT 78462F103 930 930 SH   SOLE   0 0 930
SPDR SER TR HLTH CARE SVCS 78464A573 1,079 1,079 SH   SOLE   0 0 1,079
SPDR SER TR NUVEEN BLOOMBERG 78464A284 565 565 SH   SOLE   0 0 565
SPDR SER TR PORTFOLIO S&P600 78468R853 206 206 SH   SOLE   0 0 206
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,722 2,722 SH   SOLE   0 0 2,722
SPDR SER TR S&P DIVID ETF 78464A763 694 694 SH   SOLE   0 0 694
SPDR SER TR PORTFOLIO S&P500 78464A854 20,313 20,313 SH   SOLE   0 0 20,313
SPDR SER TR PORTFOLIO S&P400 78464A847 6,329 6,329 SH   SOLE   0 0 6,329
SSGA ACTIVE TR SPDR NUVEEN MUN 78470P705 43,413 43,413 SH   SOLE   0 0 43,413
STARBUCKS CORP COM 855244109 242 242 SH   SOLE   0 0 242
T ROWE PRICE ETF INC TOTAL RETURN ETF 87283Q800 981 981 SH   SOLE   0 0 981
TARGET CORP COM 87612E106 250 250 SH   SOLE   0 0 250
TJX COS INC NEW COM 872540109 873 873 SH   SOLE   0 0 873
UNITED AIRLS HLDGS INC COM 910047109 200 200 SH   SOLE   0 0 200
V F CORP COM 918204108 400 400 SH   SOLE   0 0 400
VALLEY NATL BANCORP COM 919794107 2,002 2,002 SH   SOLE   0 0 2,002
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,346 6,346 SH   SOLE   0 0 6,346
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 238 238 SH   SOLE   0 0 238
VANGUARD INDEX FDS MID CAP ETF 922908629 6,660 6,660 SH   SOLE   0 0 6,660
VANGUARD INDEX FDS VALUE ETF 922908744 381 381 SH   SOLE   0 0 381
VANGUARD INDEX FDS GROWTH ETF 922908736 252 252 SH   SOLE   0 0 252
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 88,831 88,831 SH   SOLE   0 0 88,831
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,823 2,823 SH   SOLE   0 0 2,823
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,787 4,787 SH   SOLE   0 0 4,787
VANGUARD INDEX FDS SM CP VAL ETF 922908611 13,290 13,290 SH   SOLE   0 0 13,290
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 40,110 40,110 SH   SOLE   0 0 40,110
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 22,759 22,759 SH   SOLE   0 0 22,759
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 2,827 2,827 SH   SOLE   0 0 2,827
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,369 14,369 SH   SOLE   0 0 14,369
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 32,754 32,754 SH   SOLE   0 0 32,754
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,282 2,282 SH   SOLE   0 0 2,282
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 257 257 SH   SOLE   0 0 257
VANGUARD WORLD FDS INF TECH ETF 92204A702 534 534 SH   SOLE   0 0 534
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 218 218 SH   SOLE   0 0 218
VERIZON COMMUNICATIONS INC COM 92343V104 5,493 5,493 SH   SOLE   0 0 5,493
VISA INC COM CL A 92826C839 324 324 SH   SOLE   0 0 324
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 238 238 SH   SOLE   0 0 238
WEC ENERGY GROUP INC COM 92939U106 450 450 SH   SOLE   0 0 450
WELLS FARGO CO NEW COM 949746101 400 400 SH   SOLE   0 0 400
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 224 224 SH   SOLE   0 0 224