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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   603,656 5,743 SH   SOLE 0 0 0 5,743
ABBVIE INC COM 00287Y109   1,123,625 7,050 SH   SOLE 0 0 0 7,050
ADVANCED MICRO DEVICES INC COM 007903107   538,575 5,495 SH   SOLE 0 0 0 5,495
ALPHABET INC CAP STK CL A 02079K305   996,742 9,609 SH   SOLE 0 0 0 9,609
ALTRIA GROUP INC COM 02209S103   362,815 8,131 SH   SOLE 0 0 0 8,131
AMAZON COM INC COM 023135106   1,013,593 9,813 SH   SOLE 0 0 0 9,813
AMERICAN ELEC PWR CO INC COM 025537101   200,142 2,200 SH   SOLE 0 0 0 2,200
AMERICAN EQTY INVT LIFE HLD COM 025676206   302,994 8,303 SH   SOLE 0 0 0 8,303
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   169,137 10,898 SH   SOLE 0 0 0 10,898
APPLE INC COM 037833100   4,234,264 25,678 SH   SOLE 0 0 0 25,678
ARK ETF TR GENOMIC REV ETF 00214Q302   347,435 11,554 SH   SOLE 0 0 0 11,554
AT&T INC COM 00206R102   431,518 22,417 SH   SOLE 0 0 0 22,417
AUTOMATIC DATA PROCESSING IN COM 053015103   904,974 4,065 SH   SOLE 0 0 0 4,065
BANK NEW YORK MELLON CORP COM 064058100   497,629 10,951 SH   SOLE 0 0 0 10,951
BECTON DICKINSON & CO COM 075887109   463,490 1,872 SH   SOLE 0 0 0 1,872
BERKLEY W R CORP COM 084423102   651,382 10,462 SH   SOLE 0 0 0 10,462
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   715,111 2,316 SH   SOLE 0 0 0 2,316
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE 0 0 0 1
BLOCK INC CL A 852234103   275,355 4,011 SH   SOLE 0 0 0 4,011
CAMPBELL SOUP CO COM 134429109   580,004 10,549 SH   SOLE 0 0 0 10,549
CATERPILLAR INC COM 149123101   431,499 1,886 SH   SOLE 0 0 0 1,886
CHEVRON CORP NEW COM 166764100   1,003,757 6,152 SH   SOLE 0 0 0 6,152
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   23,768 10,611 SH   SOLE 0 0 0 10,611
CISCO SYS INC COM 17275R102   214,237 4,098 SH   SOLE 0 0 0 4,098
CITIGROUP INC COM NEW 172967424   500,004 10,663 SH   SOLE 0 0 0 10,663
COCA COLA CO COM 191216100   940,934 15,169 SH   SOLE 0 0 0 15,169
CONSOLIDATED EDISON INC COM 209115104   207,246 2,166 SH   SOLE 0 0 0 2,166
COSTCO WHSL CORP NEW COM 22160K105   1,022,078 2,057 SH   SOLE 0 0 0 2,057
CRISPR THERAPEUTICS AG NAMEN AKT H17182108   372,650 8,239 SH   SOLE 0 0 0 8,239
CVS HEALTH CORP COM 126650100   746,876 10,051 SH   SOLE 0 0 0 10,051
DISNEY WALT CO COM 254687106   434,778 4,342 SH   SOLE 0 0 0 4,342
DOLLAR GEN CORP NEW COM 256677105   694,240 3,299 SH   SOLE 0 0 0 3,299
DOMINION ENERGY INC COM 25746U109   783,304 14,010 SH   SOLE 0 0 0 14,010
DUKE ENERGY CORP NEW COM NEW 26441C204   264,777 2,745 SH   SOLE 0 0 0 2,745
ENBRIDGE INC COM 29250N105   245,380 6,432 SH   SOLE 0 0 0 6,432
EXXON MOBIL CORP COM 30231G102   1,138,996 10,387 SH   SOLE 0 0 0 10,387
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   2,717,408 121,097 SH   SOLE 0 0 0 121,097
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143   4,761,728 44,283 SH   SOLE 0 0 0 44,283
GABELLI UTIL TR COM 36240A101   255,624 35,752 SH   SOLE 0 0 0 35,752
GILEAD SCIENCES INC COM 375558103   320,186 3,859 SH   SOLE 0 0 0 3,859
HERSHEY CO COM 427866108   219,252 862 SH   SOLE 0 0 0 862
HOME DEPOT INC COM 437076102   696,105 2,359 SH   SOLE 0 0 0 2,359
HONEYWELL INTL INC COM 438516106   206,507 1,081 SH   SOLE 0 0 0 1,081
IDEXX LABS INC COM 45168D104   250,040 500 SH   SOLE 0 0 0 500
INTEL CORP COM 458140100   268,125 8,207 SH   SOLE 0 0 0 8,207
INTERNATIONAL BUSINESS MACHS COM 459200101   485,059 3,700 SH   SOLE 0 0 0 3,700
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   4,718,278 67,443 SH   SOLE 0 0 0 67,443
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   201,471 10,515 SH   SOLE 0 0 0 10,515
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   202,906 10,005 SH   SOLE 0 0 0 10,005
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   204,619 9,707 SH   SOLE 0 0 0 9,707
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   211,084 10,252 SH   SOLE 0 0 0 10,252
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   648,394 4,483 SH   SOLE 0 0 0 4,483
INVESCO QQQ TR UNIT SER 1 46090E103   4,838,712 15,077 SH   SOLE 0 0 0 15,077
INVESCO VALUE MUN INCOME TR COM 46132P108   619,027 50,740 SH   SOLE 0 0 0 50,740
ISHARES GOLD TR ISHARES NEW 464285204   1,545,922 41,368 SH   SOLE 0 0 0 41,368
ISHARES SILVER TR ISHARES 46428Q109   672,156 30,387 SH   SOLE 0 0 0 30,387
ISHARES TR TIPS BD ETF 464287176   6,431,805 58,338 SH   SOLE 0 0 0 58,338
ISHARES TR 7-10 YR TRSY BD 464287440   543,778 5,486 SH   SOLE 0 0 0 5,486
ISHARES TR MSCI USA MIN VOL 46429B697   311,843 4,287 SH   SOLE 0 0 0 4,287
ISHARES TR SELECT DIVID ETF 464287168   4,074,683 34,773 SH   SOLE 0 0 0 34,773
ISHARES TR MSCI USA MMENTM 46432F396   264,056 1,899 SH   SOLE 0 0 0 1,899
ISHARES TR CORE S&P500 ETF 464287200   11,702,151 28,467 SH   SOLE 0 0 0 28,467
ISHARES TR JPMORGAN USD EMG 464288281   372,125 4,313 SH   SOLE 0 0 0 4,313
ISHARES TR CORE S&P SCP ETF 464287804   698,737 7,226 SH   SOLE 0 0 0 7,226
ISHARES TR US TREAS BD ETF 46429B267   210,909 9,021 SH   SOLE 0 0 0 9,021
ISHARES TR MSCI USA QLT FCT 46432F339   879,433 7,088 SH   SOLE 0 0 0 7,088
ISHARES TR IBOXX INV CP ETF 464287242   619,727 5,654 SH   SOLE 0 0 0 5,654
ISHARES TR GRWT ALLOCAT ETF 464289867   4,970,386 99,348 SH   SOLE 0 0 0 99,348
ISHARES TR ISHS 5-10YR INVT 464288638   290,865 5,672 SH   SOLE 0 0 0 5,672
ISHARES TR CORE S&P TTL STK 464287150   211,585 2,337 SH   SOLE 0 0 0 2,337
ISHARES TR S&P 500 GRWT ETF 464287309   229,540 3,593 SH   SOLE 0 0 0 3,593
ISHARES TR S&P 500 VAL ETF 464287408   311,416 2,052 SH   SOLE 0 0 0 2,052
ISHARES TR RUSSELL 2000 ETF 464287655   312,875 1,754 SH   SOLE 0 0 0 1,754
ISHARES TR CORE S&P MCP ETF 464287507   5,228,812 20,902 SH   SOLE 0 0 0 20,902
JOHNSON & JOHNSON COM 478160104   1,271,531 8,203 SH   SOLE 0 0 0 8,203
JPMORGAN CHASE & CO COM 46625H100   282,631 2,169 SH   SOLE 0 0 0 2,169
KRANESHARES TR CSI CHI INTERNET 500767306   474,523 15,214 SH   SOLE 0 0 0 15,214
KROGER CO COM 501044101   572,928 11,605 SH   SOLE 0 0 0 11,605
LILLY ELI & CO COM 532457108   466,813 1,359 SH   SOLE 0 0 0 1,359
LOCKHEED MARTIN CORP COM 539830109   253,550 536 SH   SOLE 0 0 0 536
LOWES COS INC COM 548661107   444,557 2,223 SH   SOLE 0 0 0 2,223
LUCID GROUP INC COM 549498103   221,719 27,577 SH   SOLE 0 0 0 27,577
MCDONALDS CORP COM 580135101   694,390 2,483 SH   SOLE 0 0 0 2,483
MERCK & CO INC COM 58933Y105   537,301 5,050 SH   SOLE 0 0 0 5,050
META PLATFORMS INC CL A 30303M102   826,783 3,901 SH   SOLE 0 0 0 3,901
MICROSOFT CORP COM 594918104   2,371,610 8,226 SH   SOLE 0 0 0 8,226
NETFLIX INC COM 64110L106   213,852 619 SH   SOLE 0 0 0 619
NUVEEN AMT FREE QLTY MUN INC COM 670657105   127,505 11,466 SH   SOLE 0 0 0 11,466
NVIDIA CORPORATION COM 67066G104   296,731 1,068 SH   SOLE 0 0 0 1,068
PALO ALTO NETWORKS INC COM 697435105   1,018,674 5,100 SH   SOLE 0 0 0 5,100
PARAMOUNT GLOBAL CLASS B COM 92556H206   224,660 10,070 SH   SOLE 0 0 0 10,070
PEPSICO INC COM 713448108   297,374 1,631 SH   SOLE 0 0 0 1,631
PFIZER INC COM 717081103   383,995 9,412 SH   SOLE 0 0 0 9,412
PHILIP MORRIS INTL INC COM 718172109   453,474 4,663 SH   SOLE 0 0 0 4,663
PROCTER AND GAMBLE CO COM 742718109   747,349 5,026 SH   SOLE 0 0 0 5,026
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   453,182 7,257 SH   SOLE 0 0 0 7,257
SENSEONICS HLDGS INC COM 81727U105   14,214 20,020 SH   SOLE 0 0 0 20,020
SHELL PLC SPON ADS 780259305   241,647 4,200 SH   SOLE 0 0 0 4,200
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,226,419 15,713 SH   SOLE 0 0 0 15,713
SPDR GOLD TR GOLD SHS 78463V107   1,234,893 6,740 SH   SOLE 0 0 0 6,740
SPDR S&P 500 ETF TR TR UNIT 78462F103   537,450 1,313 SH   SOLE 0 0 0 1,313
STANLEY BLACK & DECKER INC COM 854502101   450,647 5,593 SH   SOLE 0 0 0 5,593
TEKLA WORLD HEALTHCARE FD BEN INT SHS 87911L108   395,295 28,770 SH   SOLE 0 0 0 28,770
TESLA INC COM 88160R101   881,705 4,250 SH   SOLE 0 0 0 4,250
TRANE TECHNOLOGIES PLC SHS G8994E103   293,321 1,594 SH   SOLE 0 0 0 1,594
TRAVELERS COMPANIES INC COM 89417E109   758,561 4,425 SH   SOLE 0 0 0 4,425
TRUIST FINL CORP COM 89832Q109   631,566 18,521 SH   SOLE 0 0 0 18,521
UNITED PARCEL SERVICE INC CL B 911312106   260,234 1,341 SH   SOLE 0 0 0 1,341
VALLEY NATL BANCORP COM 919794107   95,154 10,298 SH   SOLE 0 0 0 10,298
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   261,887 5,353 SH   SOLE 0 0 0 5,353
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,544,555 28,625 SH   SOLE 0 0 0 28,625
VANGUARD INDEX FDS GROWTH ETF 922908736   212,718 853 SH   SOLE 0 0 0 853
VANGUARD INDEX FDS VALUE ETF 922908744   617,655 4,472 SH   SOLE 0 0 0 4,472
VERIZON COMMUNICATIONS INC COM 92343V104   1,005,683 25,860 SH   SOLE 0 0 0 25,860
VERU INC COM 92536C103   23,200 20,000 SH   SOLE 0 0 0 20,000
VISA INC COM CL A 92826C839   215,278 955 SH   SOLE 0 0 0 955
WALMART INC COM 931142103   1,121,636 7,607 SH   SOLE 0 0 0 7,607
WASTE MGMT INC DEL COM 94106L109   539,564 3,307 SH   SOLE 0 0 0 3,307
WHEELS UP EXPERIENCE INC COM CL A 96328L106   7,642 12,076 SH   SOLE 0 0 0 12,076