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   718,218 7,028 SH   SOLE 0 36 0 6,992
ABBVIE INC COM 00287Y109   350,288 2,042 SH   SOLE 0 0 0 2,042
ABRDN WORLD HEALTHCARE FUND BEN INT SHS 87911L108   672,395 51,211 SH   SOLE 0 2,550 0 48,661
ADOBE INC COM 00724F101   205,550 370 SH   SOLE 0 42 0 328
ADVANCED MICRO DEVICES INC COM 007903107   1,042,378 6,426 SH   SOLE 0 0 0 6,426
AEROVIRONMENT INC COM 008073108   297,285 1,632 SH   SOLE 0 0 0 1,632
ALBEMARLE CORP COM 012653101   404,937 4,239 SH   SOLE 0 25 0 4,214
ALPHABET INC CAP STK CL A 02079K305   738,013 4,052 SH   SOLE 0 0 0 4,052
ALPHABET INC CAP STK CL C 02079K107   225,464 1,229 SH   SOLE 0 0 0 1,229
ALTRIA GROUP INC COM 02209S103   492,381 10,810 SH   SOLE 0 0 0 10,810
AMAZON COM INC COM 023135106   2,390,131 12,368 SH   SOLE 0 40 0 12,328
AMERICAN ELEC PWR CO INC COM 025537101   208,707 2,379 SH   SOLE 0 0 0 2,379
AMGEN INC COM 031162100   426,554 1,365 SH   SOLE 0 0 0 1,365
APPLE INC COM 037833100   6,830,947 32,433 SH   SOLE 0 76 0 32,356
ASML HOLDING N V N Y REGISTRY SHS N07059210   805,091 787 SH   SOLE 0 0 0 787
AT&T INC COM 00206R102   429,557 22,478 SH   SOLE 0 0 0 22,478
AUTOMATIC DATA PROCESSING IN COM 053015103   920,919 3,858 SH   SOLE 0 0 0 3,858
BANK NEW YORK MELLON CORP COM 064058100   693,792 11,584 SH   SOLE 0 0 0 11,584
BERKLEY W R CORP COM 084423102   616,556 7,846 SH   SOLE 0 135 0 7,711
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,224,482 2 SH   SOLE 0 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,845,245 4,536 SH   SOLE 0 0 0 4,536
BHP GROUP LTD SPONSORED ADS 088606108   253,975 4,449 SH   SOLE 0 0 0 4,449
BOEING CO COM 097023105   223,094 1,226 SH   SOLE 0 100 0 1,126
BRISTOL-MYERS SQUIBB CO COM 110122108   804,981 19,383 SH   SOLE 0 0 0 19,383
BROADCOM INC COM 11135F101   648,565 404 SH   SOLE 0 7 0 397
CAMPBELL SOUP CO COM 134429109   867,488 19,196 SH   SOLE 0 0 0 19,196
CATERPILLAR INC COM 149123101   1,062,399 3,189 SH   SOLE 0 0 0 3,189
CHEVRON CORP NEW COM 166764100   1,265,022 8,087 SH   SOLE 0 41 0 8,046
CHUBB LIMITED COM H1467J104   1,635,005 6,410 SH   SOLE 0 0 0 6,410
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   25,821 14,671 SH   SOLE 0 0 0 14,671
CISCO SYS INC COM 17275R102   227,856 4,796 SH   SOLE 0 0 0 4,796
CITIGROUP INC COM NEW 172967424   244,947 3,860 SH   SOLE 0 0 0 3,860
COCA COLA CO COM 191216100   1,082,552 17,008 SH   SOLE 0 95 0 16,913
COSTCO WHSL CORP NEW COM 22160K105   1,685,660 1,983 SH   SOLE 0 11 0 1,972
COTERRA ENERGY INC COM 127097103   810,105 30,375 SH   SOLE 0 0 0 30,375
CVS HEALTH CORP COM 126650100   948,887 16,066 SH   SOLE 0 25 0 16,041
DISNEY WALT CO COM 254687106   259,681 2,615 SH   SOLE 0 0 0 2,615
DOMINION ENERGY INC COM 25746U109   202,369 4,130 SH   SOLE 0 83 0 4,047
DUKE ENERGY CORP NEW COM NEW 26441C204   245,744 2,452 SH   SOLE 0 0 0 2,452
ELI LILLY & CO COM 532457108   828,268 915 SH   SOLE 0 0 0 915
ENBRIDGE INC COM 29250N105   231,639 6,509 SH   SOLE 0 0 0 6,509
ENTRAVISION COMMUNICATIONS C CL A 29382R107   21,823 10,750 SH   SOLE 0 0 0 10,750
EXXON MOBIL CORP COM 30231G102   1,856,605 16,128 SH   SOLE 0 10 0 16,118
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   4,245,028 169,192 SH   SOLE 0 341 0 168,851
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   266,759 5,085 SH   SOLE 0 0 0 5,085
FORTINET INC COM 34959E109   667,189 11,070 SH   SOLE 0 100 0 10,970
GABELLI UTIL TR COM 36240A101   231,840 39,162 SH   SOLE 0 2,208 0 36,954
HOME DEPOT INC COM 437076102   985,626 2,863 SH   SOLE 0 0 0 2,863
IDEXX LABS INC COM 45168D104   243,600 500 SH   SOLE 0 0 0 500
INTEL CORP COM 458140100   223,018 7,201 SH   SOLE 0 425 0 6,776
INTERNATIONAL BUSINESS MACHS COM 459200101   600,362 3,471 SH   SOLE 0 0 0 3,471
INVESCO QQQ TR UNIT SER 1 46090E103   871,065 1,818 SH   SOLE 0 3 0 1,815
INVESCO VALUE MUN INCOME TR COM 46132P108   655,694 53,136 SH   SOLE 0 0 0 53,136
ISHARES GOLD TR ISHARES NEW 464285204   921,545 20,978 SH   SOLE 0 300 0 20,678
ISHARES SILVER TR ISHARES 46428Q109   443,049 16,675 SH   SOLE 0 743 0 15,932
ISHARES TR TIPS BD ETF 464287176   552,731 5,176 SH   SOLE 0 361 0 4,816
ISHARES TR MSCI USA MIN VOL 46429B697   312,948 3,727 SH   SOLE 0 13 0 3,715
ISHARES TR SELECT DIVID ETF 464287168   3,420,360 28,272 SH   SOLE 0 20 0 28,253
ISHARES TR MSCI USA QLT FCT 46432F339   12,746,689 74,647 SH   SOLE 0 583 0 74,064
ISHARES TR SP SMCP600VL ETF 464287879   2,729,755 28,064 SH   SOLE 0 32 0 28,032
ISHARES TR CORE S&P SCP ETF 464287804   382,808 3,589 SH   SOLE 0 0 0 3,589
ISHARES TR CORE S&P US GWT 464287671   11,958,244 93,805 SH   SOLE 0 825 0 92,980
ISHARES TR ISHS 5-10YR INVT 464288638   210,843 4,113 SH   SOLE 0 409 0 3,704
ISHARES TR US AER DEF ETF 464288760   3,137,790 23,762 SH   SOLE 0 213 0 23,549
ISHARES TR S&P 500 VAL ETF 464287408   267,213 1,468 SH   SOLE 0 0 0 1,468
ISHARES TR S&P 500 GRWT ETF 464287309   238,077 2,573 SH   SOLE 0 0 0 2,573
ISHARES TR CORE S&P MCP ETF 464287507   6,360,548 108,690 SH   SOLE 0 103 0 108,587
ISHARES TR CORE S&P500 ETF 464287200   34,053,865 62,230 SH   SOLE 0 245 0 61,985
JOHNSON & JOHNSON COM 478160104   2,948,371 20,172 SH   SOLE 0 0 0 20,172
JPMORGAN CHASE & CO. COM 46625H100   335,029 1,656 SH   SOLE 0 0 0 1,656
KELLANOVA COM 487836108   216,591 3,755 SH   SOLE 0 0 0 3,755
KIMBERLY-CLARK CORP COM 494368103   312,631 2,262 SH   SOLE 0 0 0 2,262
KLA CORP COM NEW 482480100   302,321 367 SH   SOLE 0 0 0 367
KRATOS DEFENSE & SEC SOLUTIO COM NEW 50077B207   269,535 13,470 SH   SOLE 0 0 0 13,470
L3HARRIS TECHNOLOGIES INC COM 502431109   289,913 1,291 SH   SOLE 0 71 0 1,220
LOCKHEED MARTIN CORP COM 539830109   1,153,892 2,470 SH   SOLE 0 0 0 2,470
MAINZ BIOMED N V ORDINARY SHARES N5436L101   4,010 10,000 SH   SOLE 0 0 0 10,000
MCDONALDS CORP COM 580135101   1,263,173 4,957 SH   SOLE 0 22 0 4,935
MCKESSON CORP COM 58155Q103   318,493 545 SH   SOLE 0 0 0 545
MERCK & CO INC COM 58933Y105   480,783 3,884 SH   SOLE 0 0 0 3,884
META PLATFORMS INC CL A 30303M102   1,324,622 2,627 SH   SOLE 0 0 0 2,627
MICROSOFT CORP COM 594918104   4,009,403 8,971 SH   SOLE 0 62 0 8,908
NETFLIX INC COM 64110L106   245,764 364 SH   SOLE 0 0 0 364
NEW FOUND GOLD CORP COM 64440N103   28,300 10,000 SH   SOLE 0 0 0 10,000
NORTHROP GRUMMAN CORP COM 666807102   1,209,509 2,774 SH   SOLE 0 0 0 2,774
NVIDIA CORPORATION COM 67066G104   2,280,262 18,458 SH   SOLE 0 501 0 17,957
PALO ALTO NETWORKS INC COM 697435105   1,474,015 4,348 SH   SOLE 0 52 0 4,296
PARKER-HANNIFIN CORP COM 701094104   1,016,840 2,010 SH   SOLE 0 10 0 2,000
PEPSICO INC COM 713448108   794,959 4,820 SH   SOLE 0 0 0 4,820
PFIZER INC COM 717081103   499,641 17,857 SH   SOLE 0 0 0 17,857
PHILIP MORRIS INTL INC COM 718172109   471,686 4,655 SH   SOLE 0 0 0 4,655
PROCTER AND GAMBLE CO COM 742718109   678,678 4,115 SH   SOLE 0 0 0 4,115
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   583,444 7,916 SH   SOLE 0 0 0 7,916
RTX CORPORATION COM 75513E101   345,100 3,438 SH   SOLE 0 0 0 3,438
SCHWAB CHARLES CORP COM 808513105   636,971 8,644 SH   SOLE 0 0 0 8,644
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   321,180 1,420 SH   SOLE 0 0 0 1,420
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   3,365,847 49,396 SH   SOLE 0 41 0 49,355
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,552,935 17,516 SH   SOLE 0 12 0 17,504
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   394,544 2,163 SH   SOLE 0 0 0 2,163
SENSEONICS HLDGS INC COM 81727U105   7,980 20,000 SH   SOLE 0 0 0 20,000
SNAP ON INC COM 833034101   531,218 2,032 SH   SOLE 0 0 0 2,032
SOUTHERN CO COM 842587107   406,481 5,240 SH   SOLE 0 0 0 5,240
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   8,364,252 21,385 SH   SOLE 0 119 0 21,266
SPDR GOLD TR GOLD SHS 78463V107   1,084,928 5,046 SH   SOLE 0 56 0 4,990
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,110,231 88,661 SH   SOLE 0 71 0 88,590
SPDR S&P 500 ETF TR TR UNIT 78462F103   994,805 1,828 SH   SOLE 0 11 0 1,817
STARBUCKS CORP COM 855244109   837,397 10,757 SH   SOLE 0 0 0 10,757
STARWOOD PPTY TR INC COM 85571B105   254,066 13,414 SH   SOLE 0 183 0 13,231
TELOS CORP MD COM 87969B101   108,540 27,000 SH   SOLE 0 0 0 27,000
TESLA INC COM 88160R101   472,340 2,387 SH   SOLE 0 0 0 2,387
TRANE TECHNOLOGIES PLC SHS G8994E103   407,545 1,239 SH   SOLE 0 0 0 1,239
TRAVELERS COMPANIES INC COM 89417E109   200,209 985 SH   SOLE 0 0 0 985
TRUIST FINL CORP COM 89832Q109   591,988 15,238 SH   SOLE 0 397 0 14,841
UNITED PARCEL SERVICE INC CL B 911312106   789,763 5,771 SH   SOLE 0 0 0 5,771
VALLEY NATL BANCORP COM 919794107   80,892 11,589 SH   SOLE 0 0 0 11,589
VANECK MERK GOLD TR GOLD TRUST 921078101   247,891 11,037 SH   SOLE 0 0 0 11,037
VANGUARD INDEX FDS VALUE ETF 922908744   486,333 3,032 SH   SOLE 0 0 0 3,032
VANGUARD INDEX FDS GROWTH ETF 922908736   357,443 956 SH   SOLE 0 0 0 956
VANGUARD INDEX FDS SM CP VAL ETF 922908611   736,283 4,034 SH   SOLE 0 100 0 3,934
VERIZON COMMUNICATIONS INC COM 92343V104   718,163 17,414 SH   SOLE 0 0 0 17,414
VERU INC COM 92536C103   16,826 20,000 SH   SOLE 0 0 0 20,000
VISA INC COM CL A 92826C839   220,144 839 SH   SOLE 0 0 0 839
WALMART INC COM 931142103   1,326,717 19,594 SH   SOLE 0 36 0 19,558
WILLIAMS COS INC COM 969457100   231,164 5,439 SH   SOLE 0 0 0 5,439