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
ANNALY CAPITAL MANAGEMENT INC COM NEW COM NEW 035710839 193 11,301 SH   SOLE NONE 0 0 11,301
APPLE INC COM 037833100 840 6,079 SH   SOLE NONE 0 0 6,079
BERKSHIRE HATHAWAY INC CL B NEW 084670702 233 873 SH   SOLE NONE 0 0 873
BK OF AMERICA CORP COM COM 060505104 392 12,999 SH   SOLE NONE 0 0 12,999
BLACKSTONE MORTGAGE TRUST INC COM CL A 09257W100 256 10,978 SH   SOLE NONE 0 0 10,978
BROADCOM INC COM COM 11135F101 285 642 SH   SOLE NONE 0 0 642
BUTTERFLY NETWORK INC COM CL A COM CL A 124155102 157 33,535 SH   SOLE NONE 0 0 33,535
GENERAL DYNAMICS CORP COM 369550108 313 1,479 SH   SOLE NONE 0 0 1,479
HYPERFINE INC COM CL A COM CL A 44916K106 8 10,571 SH   SOLE NONE 0 0 10,571
INVESCO EXCH TRADED FD TR II PFD ETF PFD ETF 46138E511 274 23,075 SH   SOLE NONE 0 0 23,075
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E103 327 1,226 SH   SOLE NONE 0 0 1,226
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 3,845 40,006 SH   SOLE NONE 0 0 40,006
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 4,037 87,408 SH   SOLE NONE 0 0 87,408
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 27,138 75,594 SH   SOLE NONE 0 0 75,594
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 9,713 44,285 SH   SOLE NONE 0 0 44,285
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 10,531 120,726 SH   SOLE NONE 0 0 120,726
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 1,216 15,295 SH   SOLE NONE 0 0 15,295
ISHARES CORE S&P US VALUE ETF CORE S&P US VLU 464287663 2,354 37,612 SH   SOLE NONE 0 0 37,612
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ET 464287226 1,344 13,813 SH   SOLE NONE 0 0 13,813
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 1,680 67,132 SH   SOLE NONE 0 0 67,132
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 285 11,008 SH   SOLE NONE 0 0 11,008
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF IBONDS DEC23 ETF 46434VAX8 1,983 79,479 SH   SOLE NONE 0 0 79,479
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF IBONDS DEC24 ETF 46434VBG4 593 24,384 SH   SOLE NONE 0 0 24,384
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF IBONDS DEC25 ETF 46434VBD1 3,055 126,329 SH   SOLE NONE 0 0 126,329
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 5,804 134,942 SH   SOLE NONE 0 0 134,942
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 551 9,846 SH   SOLE NONE 0 0 9,846
ISHARES NEW YORK MUNI BOND ETF NEW YORK MUN ETF 464288323 204 4,032 SH   SOLE NONE 0 0 4,032
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 582 4,283 SH   SOLE NONE 0 0 4,283
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 330 2,001 SH   SOLE NONE 0 0 2,001
ISHARES RUSSELL 2000 VALUE ETF RUS 2000 VAL ETF 464287630 580 4,502 SH   SOLE NONE 0 0 4,502
ISHARES RUSSELL MID-CAP VALUE ETF RUS MDCP VAL ETF 464287473 500 5,206 SH   SOLE NONE 0 0 5,206
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 11,381 196,675 SH   SOLE NONE 0 0 196,675
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 6,474 50,351 SH   SOLE NONE 0 0 50,351
ISHARES S&P MID-CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 3,957 62,792 SH   SOLE NONE 0 0 62,792
ISHARES S&P SMALLCAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 332 4,028 SH   SOLE NONE 0 0 4,028
ISHARES SELECT DIVIDEND ETF SELECT DIVID ETF 464287168 2,775 25,891 SH   SOLE NONE 0 0 25,891
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 1,006 9,764 SH   SOLE NONE 0 0 9,764
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 4,392 41,868 SH   SOLE NONE 0 0 41,868
ISHARES TR CORE MSCI TOTAL CORE MSCI TOTAL 46432F834 1,911 37,546 SH   SOLE NONE 0 0 37,546
ISHARES TR EAFE GRWTH ETF EAFE GRWTH ETF 464288885 295 4,079 SH   SOLE NONE 0 0 4,079
ISHARES TR EAFE SML CP ETF EAFE SML CP ETF 464288273 3,315 67,943 SH   SOLE NONE 0 0 67,943
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 3,949 78,490 SH   SOLE NONE 0 0 78,490
ISHARES TR IBDS DEC28 ETF 46435U515 3,017 126,294 SH   SOLE NONE 0 0 126,294
ISHARES TR IBONDS 27 ETF 46435UAA9 3,028 131,098 SH   SOLE NONE 0 0 131,098
ISHARES TR IBONDS DEC 46435U697 262 10,290 SH   SOLE NONE 0 0 10,290
ISHARES TR IBONDS DEC2026 46435GAA0 3,050 131,494 SH   SOLE NONE 0 0 131,494
ISHARES TR IBONDS DEC 2030 46436E726 2,890 141,993 SH   SOLE NONE 0 0 141,993
ISHARES TR IBONDS DEC 29 46436E205 2,957 135,124 SH   SOLE NONE 0 0 135,124
ISHARES TR IBONDS DEC2023 46435G318 860 34,092 SH   SOLE NONE 0 0 34,092
ISHARES TR IBOXX HI YD ETF IBOXX HI YD ETF 464288513 439 6,149 SH   SOLE NONE 0 0 6,149
ISHARES TR INTL SEL DIV ETF INTL SEL DIV ETF 464288448 208 9,238 SH   SOLE NONE 0 0 9,238
ISHARES TR ISHS ISHS 1-5YR INVS 464288646 1,550 31,467 SH   SOLE NONE 0 0 31,467
ISHARES TR MSCI ACWI EX US MSCI ACWI EX US 464288240 298 7,448 SH   SOLE NONE 0 0 7,448
ISHARES TR MSCI EAFE MIN VL MSCI EAFE MIN VL 46429B689 597 10,485 SH   SOLE NONE 0 0 10,485
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 1,221 38,554 SH   SOLE NONE 0 0 38,554
ISHARES TR RUS 1000 GRW ETF RUS 1000 GRW ETF 464287614 1,190 5,657 SH   SOLE NONE 0 0 5,657
ISHARES TR RUS 2000 GRW ETF RUS 2000 GRW ETF 464287648 596 2,885 SH   SOLE NONE 0 0 2,885
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 3,566 35,081 SH   SOLE NONE 0 0 35,081
ISHARES TRUST 0-5YR HIGH YIELD CORP BD 0-5YR HI YL CP 46434V407 1,915 47,954 SH   SOLE NONE 0 0 47,954
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 2,762 62,118 SH   SOLE NONE 0 0 62,118
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 10,424 197,622 SH   SOLE NONE 0 0 197,622
ISHARES TRUST S & P MID S&P MC 400VL ETF 464287705 1,555 17,285 SH   SOLE NONE 0 0 17,285
ISHARES U S REAL ESTATE ETF U.S. REAL ES ETF 464287739 3,191 39,186 SH   SOLE NONE 0 0 39,186
ISHARES U.S. HEALTHCARE ETF US HLTHCARE ETF 464287762 476 1,883 SH   SOLE NONE 0 0 1,883
JOHNSON &JOHNSON COM USD1.00 COM 478160104 277 1,700 SH   SOLE NONE 0 0 1,700
JPMORGAN CHASE & CO COM 46625H100 41,860 400,574 SH   SOLE NONE 0 0 400,574
MFA FINL INC COM COM 55272X607 121 15,586 SH   SOLE NONE 0 0 15,586
MICROSOFT CORP COM 594918104 766 3,289 SH   SOLE NONE 0 0 3,289
PROCTER AND GAMBLE CO COM COM 742718109 494 3,920 SH   SOLE NONE 0 0 3,920
QUANTUM SI INC COM CL A COM CL A 74765K105 70 25,742 SH   SOLE NONE 0 0 25,742
SELECT SECTOR SPDR TR FINANCIAL FINANCIAL 81369Y605 411 13,558 SH   SOLE NONE 0 0 13,558
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 238 2,010 SH   SOLE NONE 0 0 2,010
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 2,886 8,081 SH   SOLE NONE 0 0 8,081
VANGUARD CHARLOTTE FDS TOTAL INTL BD ETF TOTAL INT BD ETF 92203J407 543 11,376 SH   SOLE NONE 0 0 11,376
VANGUARD INTL EQUITY INDEX FDS FTSE SMCAP ETF FTSE SMCAP ETF 922042718 235 2,532 SH   SOLE NONE 0 0 2,532
VANGUARD MID-CAP VALUE INDEX FUND MCAP VL IDXVIP 922908512 712 5,849 SH   SOLE NONE 0 0 5,849
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 633 7,875 SH   SOLE NONE 0 0 7,875
VANGUARD RUSSELL 2000 ETF VNG RUS2000IDX 92206C664 530 7,954 SH   SOLE NONE 0 0 7,954
VANGUARD SCOTTSDALE FDS INTER TERM TREAS INTER TERM TREAS 92206C706 247 4,246 SH   SOLE NONE 0 0 4,246
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF MTG-BKD SECS ETF 92206C771 464 10,309 SH   SOLE NONE 0 0 10,309
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611 1,198 8,360 SH   SOLE NONE 0 0 8,360
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 1,764 12,399 SH   SOLE NONE 0 0 12,399
VANGUARD WHITEHALL FDS HIGH DIV YLD HIGH DIV YLD 921946406 209 2,209 SH   SOLE NONE 0 0 2,209