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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 599,027 3,371 SH   SOLE   0 0 3,371
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 420,325 2,220 SH   SOLE   0 0 2,220
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 584,354 3,068 SH   SOLE   0 0 3,068
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,641,038 7,480 SH   SOLE   0 0 7,480
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 349,322 1,177 SH   SOLE   0 0 1,177
AMGEN INC COM 031162100 BBG001S5NNL6 279,407 1,072 SH   SOLE   0 0 1,072
APPLE INC COM 037833100 BBG001S5N8V8 7,476,014 29,854 SH   SOLE   0 0 29,854
ARK ETF TR INNOVATION ETF 00214Q104 BBG007FJMV49 5,720,015 100,758 SH   SOLE   0 0 100,758
AT&T INC COM 00206R102 BBG001S5VWH2 444,721 19,531 SH   SOLE   0 0 19,531
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 353,478 8,043 SH   SOLE   0 0 8,043
BLACKSTONE MTG TR INC COM CL A 09257W100 BBG001S5Q7V7 198,156 11,382 SH   SOLE   0 0 11,382
BROADCOM INC COM 11135F101 BBG00KHY5SY8 297,915 1,285 SH   SOLE   0 0 1,285
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 293,223 8,316 SH   SOLE   0 0 8,316
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 BBG015DN3GR4 1,026,259 35,122 SH   SOLE   0 0 35,122
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 10,025,473 269,719 SH   SOLE   0 0 269,719
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 BBG01J5S7N48 3,087,426 119,714 SH   SOLE   0 0 119,714
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 1,266,469 57,048 SH   SOLE   0 0 57,048
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409 BBG019XFYS46 451,854 17,623 SH   SOLE   0 0 17,623
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 BBG019XS8NR3 4,348,705 159,410 SH   SOLE   0 0 159,410
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 204,370 1,411 SH   SOLE   0 0 1,411
CISCO SYS INC COM 17275R102 BBG001S6HC62 260,836 4,406 SH   SOLE   0 0 4,406
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 208,348 2,960 SH   SOLE   0 0 2,960
CLOVER HEALTH INVESTMENTS CO COM CL A 18914F103 BBG00SHY90K3 38,629 12,263 SH   SOLE   0 0 12,263
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 428,482 4,713 SH   SOLE   0 0 4,713
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 357,430 3,604 SH   SOLE   0 0 3,604
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 647,849 707 SH   SOLE   0 0 707
DISCOVER FINL SVCS COM 254709108 BBG001SS0KV6 248,932 1,437 SH   SOLE   0 0 1,437
DISNEY WALT CO COM 254687106 BBG001S5QHF3 880,745 7,910 SH   SOLE   0 0 7,910
ELI LILLY & CO COM 532457108 BBG001S5STL8 209,212 271 SH   SOLE   0 0 271
ETF SER SOLUTIONS DEFIANCE CONNECT 26922A289 BBG00NJ314P5 542,245 11,380 SH   SOLE   0 0 11,380
EXCHANGE TRADED CONCEPTS TRU BITWISE CRYPTO 301505624 BBG01076JFY6 1,312,218 77,692 SH   SOLE   0 0 77,692
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 445,448 4,141 SH   SOLE   0 0 4,141
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 BBG00DR7RGF5 209,170 4,188 SH   SOLE   0 0 4,188
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 661,025 14,732 SH   SOLE   0 0 14,732
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 BBG005SW6WS0 655,098 11,077 SH   SOLE   0 0 11,077
FIRST TR VALUE LINE DIVID IN SHS 33734H106 BBG001SLWD88 6,866,012 157,333 SH   SOLE   0 0 157,333
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 478,318 4,787 SH   SOLE   0 0 4,787
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 BBG00BDMWQF3 269,737 8,090 SH   SOLE   0 0 8,090
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 BBG00B0SKXY1 1,918,372 16,655 SH   SOLE   0 0 16,655
HERSHEY CO COM 427866108 BBG001S5S148 259,675 1,533 SH   SOLE   0 0 1,533
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 6,242,606 89,180 SH   SOLE   0 0 89,180
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 1,172,434 56,776 SH   SOLE   0 0 56,776
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 709,207 36,501 SH   SOLE   0 0 36,501
INVESCO EXCHANGE TRADED FD T LARGE CAP GROWTH 46137V746 BBG001S9FH85 317,321 3,119 SH   SOLE   0 0 3,119
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 9,224,295 52,641 SH   SOLE   0 0 52,641
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 3,368,861 6,590 SH   SOLE   0 0 6,590
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 BBG01KYQ6QS5 1,733,197 32,671 SH   SOLE   0 0 32,671
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 293,493 3,831 SH   SOLE   0 0 3,831
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 3,856,646 34,355 SH   SOLE   0 0 34,355
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 446,630 759 SH   SOLE   0 0 759
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,499,493 24,683 SH   SOLE   0 0 24,683
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 5,117,770 89,284 SH   SOLE   0 0 89,284
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 202,492 940 SH   SOLE   0 0 940
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 1,662,044 14,145 SH   SOLE   0 0 14,145
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 2,130,869 23,999 SH   SOLE   0 0 23,999
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 588,719 5,525 SH   SOLE   0 0 5,525
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,787,435 14,412 SH   SOLE   0 0 14,412
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 387,910 2,095 SH   SOLE   0 0 2,095
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 1,015,319 7,850 SH   SOLE   0 0 7,850
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,458,955 16,504 SH   SOLE   0 0 16,504
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 893,785 2,674 SH   SOLE   0 0 2,674
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 720,457 7,096 SH   SOLE   0 0 7,096
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 418,409 2,192 SH   SOLE   0 0 2,192
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 822,103 6,073 SH   SOLE   0 0 6,073
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 323,604 2,465 SH   SOLE   0 0 2,465
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 541,545 9,413 SH   SOLE   0 0 9,413
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 4,405,247 87,458 SH   SOLE   0 0 87,458
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 BBG00F7XD8R5 2,794,794 57,142 SH   SOLE   0 0 57,142
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 505,744 3,497 SH   SOLE   0 0 3,497
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,287,962 5,373 SH   SOLE   0 0 5,373
MARATHON PETE CORP COM 56585A102 BBG001S169P1 1,449,266 10,389 SH   SOLE   0 0 10,389
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 204,836 389 SH   SOLE   0 0 389
MERCK & CO INC COM 58933Y105 BBG001S5TC52 201,262 2,023 SH   SOLE   0 0 2,023
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,063,338 1,816 SH   SOLE   0 0 1,816
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,625,079 8,600 SH   SOLE   0 0 8,600
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 202,310 2,822 SH   SOLE   0 0 2,822
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 4,876,113 36,310 SH   SOLE   0 0 36,310
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 4,792,976 84,861 SH   SOLE   0 0 84,861
PAYCHEX INC COM 704326107 BBG001S5V135 298,950 2,132 SH   SOLE   0 0 2,132
PFIZER INC COM 717081103 BBG001S5V466 4,654,318 175,436 SH   SOLE   0 0 175,436
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 212,452 2,515 SH   SOLE   0 0 2,515
REAVES UTIL INCOME FD COM SH BEN INT 756158101 BBG001SBVF13 882,972 27,863 SH   SOLE   0 0 27,863
RELIANCE INC COM 759509102 BBG001S81M27 444,978 1,653 SH   SOLE   0 0 1,653
ROBLOX CORP CL A 771049103 BBG001V1Y6Z1 15,126,109 261,426 SH   SOLE   0 0 261,426
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 217,327 6,544 SH   SOLE   0 0 6,544
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,426,191 77,091 SH   SOLE   0 0 77,091
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 948,366 27,625 SH   SOLE   0 0 27,625
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 5,827,485 256,717 SH   SOLE   0 0 256,717
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 12,927,102 473,174 SH   SOLE   0 0 473,174
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 13,935,856 500,031 SH   SOLE   0 0 500,031
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 433,232 16,618 SH   SOLE   0 0 16,618
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 10,055,810 433,814 SH   SOLE   0 0 433,814
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 9,698,401 349,996 SH   SOLE   0 0 349,996
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 262,977 12,487 SH   SOLE   0 0 12,487
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 9,513,108 367,870 SH   SOLE   0 0 367,870
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 211,585 2,470 SH   SOLE   0 0 2,470
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 402,447 8,327 SH   SOLE   0 0 8,327
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 448,700 2,000 SH   SOLE   0 0 2,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 368,216 865 SH   SOLE   0 0 865
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 10,769,598 18,376 SH   SOLE   0 0 18,376
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 200,431 352 SH   SOLE   0 0 352
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 7,691,447 58,224 SH   SOLE   0 0 58,224
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 713,120 18,104 SH   SOLE   0 0 18,104
SYSCO CORP COM 871829107 BBG001S5WJS8 385,741 5,045 SH   SOLE   0 0 5,045
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 455,017 2,304 SH   SOLE   0 0 2,304
TARGET CORP COM 87612E106 BBG001SC0K41 340,924 2,522 SH   SOLE   0 0 2,522
TESLA INC COM 88160R101 BBG001SQKGD7 1,149,733 2,847 SH   SOLE   0 0 2,847
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 409,522 2,184 SH   SOLE   0 0 2,184
TIDAL ETF TR SP DWJNS SUKUK 886364702 BBG00R3N4573 985,821 55,290 SH   SOLE   0 0 55,290
TWILIO INC CL A 90138F102 BBG0029ZX859 2,261,358 20,923 SH   SOLE   0 0 20,923
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 7,526,730 124,780 SH   SOLE   0 0 124,780
UNION PAC CORP COM 907818108 BBG001S5X2M0 540,455 2,370 SH   SOLE   0 0 2,370
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 677,513 1,339 SH   SOLE   0 0 1,339
UPSTART HLDGS INC COM 91680M107 BBG00PKCBY62 492,068 7,992 SH   SOLE   0 0 7,992
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 287,841 6,018 SH   SOLE   0 0 6,018
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 236,838 26,141 SH   SOLE   0 0 26,141
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 210,590 2,818 SH   SOLE   0 0 2,818
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 291,088 1,532 SH   SOLE   0 0 1,532
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 3,470,089 8,455 SH   SOLE   0 0 8,455
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,910,331 11,019 SH   SOLE   0 0 11,019
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 2,821,270 5,236 SH   SOLE   0 0 5,236
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,595,413 10,802 SH   SOLE   0 0 10,802
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 6,460,127 38,158 SH   SOLE   0 0 38,158
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,736,996 14,785 SH   SOLE   0 0 14,785
VANGUARD MALVERN FDS CORE BD ETF 922020748 BBG01KH0XWG1 2,926,164 38,599 SH   SOLE   0 0 38,599
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 BBG01KG1P4G1 1,830,448 24,088 SH   SOLE   0 0 24,088
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 10,077,335 78,982 SH   SOLE   0 0 78,982
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 2,132,236 3,429 SH   SOLE   0 0 3,429
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 500,873 12,525 SH   SOLE   0 0 12,525
VIATRIS INC COM 92556V106 BBG00Y52JV51 269,020 21,608 SH   SOLE   0 0 21,608
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,301,766 7,283 SH   SOLE   0 0 7,283
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 BBG001S6MDB8 91,574 10,786 SH   SOLE   0 0 10,786
WARBY PARKER INC CL A COM 93403J106 BBG005DWN8L7 418,979 17,306 SH   SOLE   0 0 17,306
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 BBG006G0J5J6 390,592 8,985 SH   SOLE   0 0 8,985
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 8,294,805 106,631 SH   SOLE   0 0 106,631
WISDOMTREE TR US MIDCAP DIVID 97717W505 BBG001SHKG74 1,375,119 26,979 SH   SOLE   0 0 26,979
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 299,227 3,697 SH   SOLE   0 0 3,697