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 570 5,163 SH   SOLE 0 0 0 5,163
ABBVIE INC COM 00287Y109 966 7,199 SH   SOLE 0 0 0 7,199
ADVANCED MICRO DEVICES INC COM 007903107 301 4,758 SH   SOLE 0 0 0 4,758
ALPHABET INC CAP STK CL A 02079K305 862 9,009 SH   SOLE 0 0 0 9,009
ALTRIA GROUP INC COM 02209S103 322 7,981 SH   SOLE 0 0 0 7,981
AMAZON COM INC COM 023135106 1,031 9,125 SH   SOLE 0 0 0 9,125
APPLE HOSPITALITY REIT INC COM NEW 03784Y200 153 10,898 SH   SOLE 0 0 0 10,898
APPLE INC COM 037833100 3,679 26,623 SH   SOLE 0 0 0 26,623
ARK ETF TR GENOMIC REV ETF 00214Q302 502 15,277 SH   SOLE 0 0 0 15,277
AT&T INC COM 00206R102 341 22,244 SH   SOLE 0 0 0 22,244
AUTOMATIC DATA PROCESSING IN COM 053015103 921 4,072 SH   SOLE 0 0 0 4,072
BANK NEW YORK MELLON CORP COM 064058100 422 10,960 SH   SOLE 0 0 0 10,960
BECTON DICKINSON & CO COM 075887109 760 3,409 SH   SOLE 0 0 0 3,409
BERKLEY W R CORP COM 084423102 678 10,503 SH   SOLE 0 0 0 10,503
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 378 1,414 SH   SOLE 0 0 0 1,414
CATERPILLAR INC COM 149123101 275 1,675 SH   SOLE 0 0 0 1,675
CHEVRON CORP NEW COM 166764100 840 5,846 SH   SOLE 0 0 0 5,846
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 21 10,155 SH   SOLE 0 0 0 10,155
CITIGROUP INC COM NEW 172967424 373 8,941 SH   SOLE 0 0 0 8,941
COCA COLA CO COM 191216100 813 14,513 SH   SOLE 0 0 0 14,513
COSTCO WHSL CORP NEW COM 22160K105 954 2,021 SH   SOLE 0 0 0 2,021
CRISPR THERAPEUTICS AG NAMEN AKT H17182108 537 8,218 SH   SOLE 0 0 0 8,218
CVS HEALTH CORP COM 126650100 944 9,896 SH   SOLE 0 0 0 9,896
DISNEY WALT CO COM 254687106 450 4,773 SH   SOLE 0 0 0 4,773
DOMINION ENERGY INC COM 25746U109 919 13,303 SH   SOLE 0 0 0 13,303
DUKE ENERGY CORP NEW COM NEW 26441C204 221 2,374 SH   SOLE 0 0 0 2,374
ENBRIDGE INC COM 29250N105 239 6,446 SH   SOLE 0 0 0 6,446
EXXON MOBIL CORP COM 30231G102 909 10,408 SH   SOLE 0 0 0 10,408
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 4,860 244,718 SH   SOLE 0 0 0 244,718
GABELLI UTIL TR COM 36240A101 264 38,280 SH   SOLE 0 0 0 38,280
GILEAD SCIENCES INC COM 375558103 230 3,734 SH   SOLE 0 0 0 3,734
HOME DEPOT INC COM 437076102 447 1,621 SH   SOLE 0 0 0 1,621
INTERNATIONAL BUSINESS MACHS COM 459200101 413 3,476 SH   SOLE 0 0 0 3,476
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 223 10,918 SH   SOLE 0 0 0 10,918
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 227 10,893 SH   SOLE 0 0 0 10,893
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 213 10,681 SH   SOLE 0 0 0 10,681
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 209 11,211 SH   SOLE 0 0 0 11,211
INVESCO QQQ TR UNIT SER 1 46090E103 775 2,899 SH   SOLE 0 0 0 2,899
INVESCO VALUE MUN INCOME TR COM 46132P108 657 57,073 SH   SOLE 0 0 0 57,073
ISHARES GOLD TR ISHARES NEW 464285204 4,943 156,775 SH   SOLE 0 0 0 156,775
ISHARES INC CORE MSCI EMKT 46434G103 2,259 52,559 SH   SOLE 0 0 0 52,559
ISHARES SILVER TR ISHARES 46428Q109 1,477 84,417 SH   SOLE 0 0 0 84,417
ISHARES TR TIPS BD ETF 464287176 6,280 59,871 SH   SOLE 0 0 0 59,871
ISHARES TR MSCI USA MIN VOL 46429B697 367 5,557 SH   SOLE 0 0 0 5,557
ISHARES TR 7-10 YR TRSY BD 464287440 774 8,068 SH   SOLE 0 0 0 8,068
ISHARES TR MSCI USA QLT FCT 46432F339 1,179 11,343 SH   SOLE 0 0 0 11,343
ISHARES TR FLTG RATE NT ETF 46429B655 257 5,114 SH   SOLE 0 0 0 5,114
ISHARES TR JPMORGAN USD EMG 464288281 1,654 20,830 SH   SOLE 0 0 0 20,830
ISHARES TR CORE MSCI TOTAL 46432F834 1,995 39,187 SH   SOLE 0 0 0 39,187
ISHARES TR SP SMCP600VL ETF 464287879 255 3,087 SH   SOLE 0 0 0 3,087
ISHARES TR CORE S&P SCP ETF 464287804 675 7,745 SH   SOLE 0 0 0 7,745
ISHARES TR US TREAS BD ETF 46429B267 232 10,202 SH   SOLE 0 0 0 10,202
ISHARES TR IBOXX INV CP ETF 464287242 1,861 18,163 SH   SOLE 0 0 0 18,163
ISHARES TR ISHS 5-10YR INVT 464288638 315 6,521 SH   SOLE 0 0 0 6,521
ISHARES TR U.S. REAL ES ETF 464287739 3,698 45,421 SH   SOLE 0 0 0 45,421
ISHARES TR MSCI USA MMENTM 46432F396 485 3,699 SH   SOLE 0 0 0 3,699
ISHARES TR CORE S&P500 ETF 464287200 6,122 17,071 SH   SOLE 0 0 0 17,071
ISHARES TR CORE S&P MCP ETF 464287507 4,324 19,719 SH   SOLE 0 0 0 19,719
ISHARES TR S&P 500 GRWT ETF 464287309 409 7,071 SH   SOLE 0 0 0 7,071
ISHARES TR RUSSELL 2000 ETF 464287655 288 1,743 SH   SOLE 0 0 0 1,743
ISHARES TR S&P 500 VAL ETF 464287408 370 2,880 SH   SOLE 0 0 0 2,880
JOHNSON & JOHNSON COM 478160104 1,293 7,917 SH   SOLE 0 0 0 7,917
JPMORGAN CHASE & CO COM 46625H100 245 2,342 SH   SOLE 0 0 0 2,342
KRANESHARES TR CSI CHI INTERNET 500767306 364 14,778 SH   SOLE 0 0 0 14,778
LILLY ELI & CO COM 532457108 441 1,365 SH   SOLE 0 0 0 1,365
LOCKHEED MARTIN CORP COM 539830109 210 543 SH   SOLE 0 0 0 543
LOWES COS INC COM 548661107 382 2,035 SH   SOLE 0 0 0 2,035
LUCID GROUP INC COM 549498103 356 25,448 SH   SOLE 0 0 0 25,448
MCDONALDS CORP COM 580135101 1,146 4,968 SH   SOLE 0 0 0 4,968
MERCK & CO INC COM 58933Y105 423 4,914 SH   SOLE 0 0 0 4,914
META PLATFORMS INC CL A 30303M102 549 4,046 SH   SOLE 0 0 0 4,046
MICROSOFT CORP COM 594918104 2,027 8,703 SH   SOLE 0 0 0 8,703
NETFLIX INC COM 64110L106 443 1,881 SH   SOLE 0 0 0 1,881
NUVEEN AMT FREE QLTY MUN INC COM 670657105 119 11,201 SH   SOLE 0 0 0 11,201
PALO ALTO NETWORKS INC COM 697435105 813 4,962 SH   SOLE 0 0 0 4,962
PARAMOUNT GLOBAL CLASS B COM 92556H206 588 30,872 SH   SOLE 0 0 0 30,872
PEPSICO INC COM 713448108 256 1,568 SH   SOLE 0 0 0 1,568
PFIZER INC COM 717081103 431 9,860 SH   SOLE 0 0 0 9,860
PHILIP MORRIS INTL INC COM 718172109 383 4,613 SH   SOLE 0 0 0 4,613
PROCTER AND GAMBLE CO COM 742718109 1,160 9,186 SH   SOLE 0 0 0 9,186
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 457 8,129 SH   SOLE 0 0 0 8,129
SELECT SECTOR SPDR TR ENERGY 81369Y506 225 3,119 SH   SOLE 0 0 0 3,119
SENSEONICS HLDGS INC COM 81727U105 26 20,020 SH   SOLE 0 0 0 20,020
SHELL PLC SPON ADS 780259305 214 4,306 SH   SOLE 0 0 0 4,306
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 414 1,439 SH   SOLE 0 0 0 1,439
SPDR GOLD TR GOLD SHS 78463V107 1,995 12,901 SH   SOLE 0 0 0 12,901
SPDR S&P 500 ETF TR TR UNIT 78462F103 484 1,356 SH   SOLE 0 0 0 1,356
STANLEY BLACK & DECKER INC COM 854502101 329 4,378 SH   SOLE 0 0 0 4,378
TEKLA WORLD HEALTHCARE FD BEN INT SHS 87911L108 364 28,289 SH   SOLE 0 0 0 28,289
TESLA INC COM 88160R101 989 3,728 SH   SOLE 0 0 0 3,728
TRANE TECHNOLOGIES PLC SHS G8994E103 229 1,582 SH   SOLE 0 0 0 1,582
TRAVELERS COMPANIES INC COM 89417E109 659 4,303 SH   SOLE 0 0 0 4,303
TRUIST FINL CORP COM 89832Q109 737 16,919 SH   SOLE 0 0 0 16,919
UNITED PARCEL SERVICE INC CL B 911312106 228 1,411 SH   SOLE 0 0 0 1,411
VALLEY NATL BANCORP COM 919794107 109 10,129 SH   SOLE 0 0 0 10,129
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 369 7,726 SH   SOLE 0 0 0 7,726
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,670 25,591 SH   SOLE 0 0 0 25,591
VANGUARD INDEX FDS VALUE ETF 922908744 242 1,963 SH   SOLE 0 0 0 1,963
VERIZON COMMUNICATIONS INC COM 92343V104 851 22,401 SH   SOLE 0 0 0 22,401
VERU INC COM 92536C103 230 20,000 SH   SOLE 0 0 0 20,000
WALMART INC COM 931142103 1,023 7,890 SH   SOLE 0 0 0 7,890
WHEELS UP EXPERIENCE INC COM CL A 96328L106 17 15,088 SH   SOLE 0 0 0 15,088