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   706,763 7,549 SH   SOLE 0 36 0 7,513
ABBVIE INC COM 00287Y109   1,208,231 8,106 SH   SOLE 0 0 0 8,106
ADVANCED MICRO DEVICES INC COM 007903107   555,033 5,398 SH   SOLE 0 0 0 5,398
ALBEMARLE CORP COM 012653101   456,568 2,685 SH   SOLE 0 0 0 2,685
ALPHABET INC CAP STK CL A 02079K305   1,352,438 10,335 SH   SOLE 0 0 0 10,335
ALTRIA GROUP INC COM 02209S103   339,358 8,070 SH   SOLE 0 0 0 8,070
AMAZON COM INC COM 023135106   1,459,475 11,481 SH   SOLE 0 40 0 11,441
AMERICAN FINL GROUP INC OHIO COM 025932104   513,885 4,602 SH   SOLE 0 0 0 4,602
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   167,175 10,898 SH   SOLE 0 0 0 10,898
APPLE INC COM 037833100   5,506,407 32,162 SH   SOLE 0 76 0 32,086
AT&T INC COM 00206R102   331,248 22,054 SH   SOLE 0 0 0 22,054
AUTOMATIC DATA PROCESSING IN COM 053015103   980,412 4,075 SH   SOLE 0 0 0 4,075
BANK NEW YORK MELLON CORP COM 064058100   582,215 13,651 SH   SOLE 0 0 0 13,651
BERKLEY W R CORP COM 084423102   661,793 10,424 SH   SOLE 0 135 0 10,289
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   577,294 1,648 SH   SOLE 0 0 0 1,648
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE 0 0 0 1
CAMPBELL SOUP CO COM 134429109   630,064 15,337 SH   SOLE 0 0 0 15,337
CATERPILLAR INC COM 149123101   513,557 1,881 SH   SOLE 0 0 0 1,881
CHEVRON CORP NEW COM 166764100   1,116,449 6,621 SH   SOLE 0 41 0 6,580
CHUBB LIMITED COM H1467J104   665,442 3,196 SH   SOLE 0 0 0 3,196
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   26,482 10,943 SH   SOLE 0 0 0 10,943
CISCO SYS INC COM 17275R102   234,995 4,371 SH   SOLE 0 0 0 4,371
CITIGROUP INC COM NEW 172967424   739,072 17,969 SH   SOLE 0 0 0 17,969
COCA COLA CO COM 191216100   947,008 16,917 SH   SOLE 0 95 0 16,822
COSTCO WHSL CORP NEW COM 22160K105   1,258,708 2,228 SH   SOLE 0 11 0 2,217
COTERRA ENERGY INC COM 127097103   514,527 19,021 SH   SOLE 0 175 0 18,846
CRISPR THERAPEUTICS AG NAMEN AKT H17182108   358,990 7,909 SH   SOLE 0 0 0 7,909
CVS HEALTH CORP COM 126650100   1,131,167 16,201 SH   SOLE 0 25 0 16,176
DEXCOM INC COM 252131107   225,133 2,413 SH   SOLE 0 0 0 2,413
DISNEY WALT CO COM 254687106   259,521 3,202 SH   SOLE 0 0 0 3,202
DOLLAR GEN CORP NEW COM 256677105   530,123 5,011 SH   SOLE 0 0 0 5,011
DOMINION ENERGY INC COM 25746U109   967,513 21,659 SH   SOLE 0 83 0 21,576
DUKE ENERGY CORP NEW COM NEW 26441C204   214,298 2,428 SH   SOLE 0 0 0 2,428
ELI LILLY & CO COM 532457108   680,920 1,268 SH   SOLE 0 15 0 1,253
EMPIRE ST RLTY OP L P UNIT LTD PRT 60 292102209   86,263 10,783 SH   SOLE 0 0 0 10,783
EXXON MOBIL CORP COM 30231G102   1,241,512 10,559 SH   SOLE 0 10 0 10,549
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   3,374,714 135,476 SH   SOLE 0 921 0 134,555
GABELLI UTIL TR COM 36240A101   189,179 35,694 SH   SOLE 0 1,000 0 34,694
GILEAD SCIENCES INC COM 375558103   217,562 2,903 SH   SOLE 0 0 0 2,903
HOME DEPOT INC COM 437076102   685,024 2,267 SH   SOLE 0 0 0 2,267
IDEXX LABS INC COM 45168D104   218,635 500 SH   SOLE 0 0 0 500
INTEL CORP COM 458140100   237,451 6,679 SH   SOLE 0 100 0 6,579
INTERNATIONAL BUSINESS MACHS COM 459200101   535,414 3,816 SH   SOLE 0 0 0 3,816
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   194,740 10,367 SH   SOLE 0 454 0 9,913
INVESCO QQQ TR UNIT SER 1 46090E103   5,010,933 13,986 SH   SOLE 0 3 0 13,983
INVESCO VALUE MUN INCOME TR COM 46132P108   518,114 49,819 SH   SOLE 0 0 0 49,819
ISHARES GOLD TR ISHARES NEW 464285204   797,862 22,803 SH   SOLE 0 300 0 22,503
ISHARES SILVER TR ISHARES 46428Q109   277,495 13,643 SH   SOLE 0 743 0 12,900
ISHARES TR SELECT DIVID ETF 464287168   5,761,543 53,526 SH   SOLE 0 368 0 53,158
ISHARES TR TIPS BD ETF 464287176   795,146 7,666 SH   SOLE 0 360 0 7,306
ISHARES TR 7-10 YR TRSY BD 464287440   268,756 2,934 SH   SOLE 0 0 0 2,934
ISHARES TR MSCI USA MIN VOL 46429B697   411,080 5,679 SH   SOLE 0 12 0 5,667
ISHARES TR MSCI USA QLT FCT 46432F339   5,363,312 40,696 SH   SOLE 0 5 0 40,691
ISHARES TR ISHS 5-10YR INVT 464288638   250,318 5,145 SH   SOLE 0 403 0 4,743
ISHARES TR IBOXX INV CP ETF 464287242   216,388 2,121 SH   SOLE 0 0 0 2,121
ISHARES TR JPMORGAN USD EMG 464288281   204,367 2,477 SH   SOLE 0 0 0 2,477
ISHARES TR SP SMCP600VL ETF 464287879   3,478,613 38,989 SH   SOLE 0 433 0 38,556
ISHARES TR CORE S&P SCP ETF 464287804   508,160 5,387 SH   SOLE 0 10 0 5,377
ISHARES TR CORE S&P MCP ETF 464287507   3,765,711 15,102 SH   SOLE 0 84 0 15,018
ISHARES TR S&P 500 VAL ETF 464287408   236,679 1,538 SH   SOLE 0 0 0 1,538
ISHARES TR CORE S&P500 ETF 464287200   7,526,891 17,528 SH   SOLE 0 170 0 17,358
JOHNSON & JOHNSON COM 478160104   1,631,036 10,472 SH   SOLE 0 0 0 10,472
JPMORGAN CHASE & CO COM 46625H100   303,403 2,092 SH   SOLE 0 0 0 2,092
KRANESHARES TR CSI CHI INTERNET 500767306   347,732 12,705 SH   SOLE 0 0 0 12,705
KROGER CO COM 501044101   642,158 14,350 SH   SOLE 0 0 0 14,350
LOCKHEED MARTIN CORP COM 539830109   781,018 1,910 SH   SOLE 0 0 0 1,910
LOWES COS INC COM 548661107   714,020 3,435 SH   SOLE 0 0 0 3,435
MCDONALDS CORP COM 580135101   537,273 2,039 SH   SOLE 0 22 0 2,017
MERCK & CO INC COM 58933Y105   492,092 4,780 SH   SOLE 0 0 0 4,780
META PLATFORMS INC CL A 30303M102   1,086,468 3,619 SH   SOLE 0 0 0 3,619
MICROSOFT CORP COM 594918104   2,578,618 8,167 SH   SOLE 0 76 0 8,091
NETFLIX INC COM 64110L106   218,630 579 SH   SOLE 0 0 0 579
NOVAVAX INC COM NEW 670002401   231,579 31,986 SH   SOLE 0 0 0 31,986
NUVEEN AMT FREE QLTY MUN INC COM 670657105   113,163 11,690 SH   SOLE 0 0 0 11,690
NVIDIA CORPORATION COM 67066G104   464,194 1,067 SH   SOLE 0 50 0 1,017
PALO ALTO NETWORKS INC COM 697435105   382,372 1,631 SH   SOLE 0 27 0 1,604
PARKER-HANNIFIN CORP COM 701094104   526,479 1,352 SH   SOLE 0 0 0 1,352
PEPSICO INC COM 713448108   457,365 2,699 SH   SOLE 0 0 0 2,699
PFIZER INC COM 717081103   393,612 11,867 SH   SOLE 0 0 0 11,867
PHILIP MORRIS INTL INC COM 718172109   435,872 4,708 SH   SOLE 0 0 0 4,708
PROCTER AND GAMBLE CO COM 742718109   682,771 4,681 SH   SOLE 0 0 0 4,681
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   451,157 7,928 SH   SOLE 0 0 0 7,928
RTX CORPORATION COM 75513E101   331,419 4,605 SH   SOLE 0 0 0 4,605
SCHWAB CHARLES CORP COM 808513105   484,656 8,828 SH   SOLE 0 0 0 8,828
SELECT SECTOR SPDR TR ENERGY 81369Y506   213,477 2,362 SH   SOLE 0 50 0 2,312
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   267,072 1,629 SH   SOLE 0 0 0 1,629
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,620,694 44,471 SH   SOLE 0 317 0 44,154
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,800,675 21,755 SH   SOLE 0 152 0 21,602
SENSEONICS HLDGS INC COM 81727U105   12,078 20,000 SH   SOLE 0 0 0 20,000
SHELL PLC SPON ADS 780259305   250,823 3,896 SH   SOLE 0 200 0 3,696
SOUTHERN CO COM 842587107   250,178 3,866 SH   SOLE 0 0 0 3,866
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,650,217 16,869 SH   SOLE 0 119 0 16,750
SPDR GOLD TR GOLD SHS 78463V107   832,380 4,855 SH   SOLE 0 46 0 4,809
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,763,777 121,373 SH   SOLE 0 1,221 0 120,152
SPDR S&P 500 ETF TR TR UNIT 78462F103   757,024 1,771 SH   SOLE 0 0 0 1,771
STANLEY BLACK & DECKER INC COM 854502101   602,868 7,213 SH   SOLE 0 16 0 7,197
STARBUCKS CORP COM 855244109   555,187 6,083 SH   SOLE 0 0 0 6,083
TEKLA WORLD HEALTHCARE FD BEN INT SHS 87911L108   387,361 33,051 SH   SOLE 0 650 0 32,401
TESLA INC COM 88160R101   1,202,557 4,806 SH   SOLE 0 0 0 4,806
TRANE TECHNOLOGIES PLC SHS G8994E103   325,983 1,607 SH   SOLE 0 0 0 1,607
TRAVELERS COMPANIES INC COM 89417E109   699,542 4,284 SH   SOLE 0 34 0 4,250
TRUIST FINL CORP COM 89832Q109   606,096 21,185 SH   SOLE 0 530 0 20,655
UNITED PARCEL SERVICE INC CL B 911312106   610,292 3,915 SH   SOLE 0 0 0 3,915
VALLEY NATL BANCORP COM 919794107   94,750 11,069 SH   SOLE 0 550 0 10,519
VANGUARD INDEX FDS GROWTH ETF 922908736   221,399 813 SH   SOLE 0 0 0 813
VANGUARD INDEX FDS VALUE ETF 922908744   458,156 3,322 SH   SOLE 0 0 0 3,322
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,006,165 37,659 SH   SOLE 0 356 0 37,303
VERIZON COMMUNICATIONS INC COM 92343V104   1,004,448 30,992 SH   SOLE 0 0 0 30,992
VERU INC COM 92536C103   14,380 20,000 SH   SOLE 0 0 0 20,000
WALMART INC COM 931142103   1,101,969 6,890 SH   SOLE 0 12 0 6,878
WASTE MGMT INC DEL COM 94106L109   692,865 4,545 SH   SOLE 0 0 0 4,545