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
AT&T INC COM 00206R102 1,159 47,114 SH   SOLE   0 0 47,114
ARK ETF TR INNOVATION ETF 00214Q104 235 2,481 SH   SOLE   0 0 2,481
ABBOTT LABS COM 002824100 626 4,448 SH   SOLE   0 0 4,448
ABBVIE INC COM 00287Y109 1,023 7,552 SH   SOLE   0 0 7,552
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 178 17,420 SH   SOLE   0 0 17,420
ADOBE SYSTEMS INCORPORATED COM 00724F101 703 1,239 SH   SOLE   0 0 1,239
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 647 13,253 SH   SOLE   0 0 13,253
ALPHABET INC CAP STK CL C 02079K107 1,183 409 SH   SOLE   0 0 409
ALPHABET INC CAP STK CL A 02079K305 617 213 SH   SOLE   0 0 213
ALTRIA GROUP INC COM 02209S103 576 12,157 SH   SOLE   0 0 12,157
AMAZON COM INC COM 023135106 1,591 477 SH   SOLE   0 0 477
AMERICAN AIRLS GROUP INC COM 02376R102 206 11,450 SH   SOLE   0 0 11,450
AMERICAN CENTY ETF TR US SML CP VALU 025072877 309 3,878 SH   SOLE   0 0 3,878
AMERICAN CENTY ETF TR US EQT ETF 025072885 1,609 20,069 SH   SOLE   0 0 20,069
AMERICAN EXPRESS CO COM 025816109 304 1,861 SH   SOLE   0 0 1,861
AMGEN INC COM 031162100 366 1,627 SH   SOLE   0 0 1,627
ANALOG DEVICES INC COM 032654105 552 3,138 SH   SOLE   0 0 3,138
APPLE INC COM 037833100 11,907 67,053 SH   SOLE   0 0 67,053
APPLIED MATLS INC COM 038222105 624 3,968 SH   SOLE   0 0 3,968
BCE INC COM NEW 05534B760 482 9,270 SH   SOLE   0 0 9,270
BANK NEW YORK MELLON CORP COM 064058100 260 4,481 SH   SOLE   0 0 4,481
BECTON DICKINSON & CO COM 075887109 390 1,553 SH   SOLE   0 0 1,553
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,173 7,267 SH   SOLE   0 0 7,267
BLACKROCK CORE BD TR SHS BEN INT 09249E101 222 13,460 SH   SOLE   0 0 13,460
BLACKSTONE INC COM 09260D107 742 5,734 SH   SOLE   0 0 5,734
BOEING CO COM 097023105 555 2,755 SH   SOLE   0 0 2,755
BOOKING HOLDINGS INC COM 09857L108 425 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108 1,110 17,796 SH   SOLE   0 0 17,796
CVS HEALTH CORP COM 126650100 334 3,240 SH   SOLE   0 0 3,240
CHEVRON CORP NEW COM 166764100 259 2,205 SH   SOLE   0 0 2,205
CISCO SYS INC COM 17275R102 442 6,977 SH   SOLE   0 0 6,977
COLGATE PALMOLIVE CO COM 194162103 218 2,549 SH   SOLE   0 0 2,549
CONSOLIDATED EDISON INC COM 209115104 213 2,500 SH   SOLE   0 0 2,500
CORNING INC COM 219350105 219 5,885 SH   SOLE   0 0 5,885
COSTCO WHSL CORP NEW COM 22160K105 215 378 SH   SOLE   0 0 378
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 932 28,244 SH   SOLE   0 0 28,244
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 349 11,816 SH   SOLE   0 0 11,816
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 523 19,118 SH   SOLE   0 0 19,118
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 29,565 571,862 SH   SOLE   0 0 571,862
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 15,927 265,498 SH   SOLE   0 0 265,498
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 35,199 740,716 SH   SOLE   0 0 740,716
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 52,561 1,814,336 SH   SOLE   0 0 1,814,336
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 5,583 170,106 SH   SOLE   0 0 170,106
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,619 138,614 SH   SOLE   0 0 138,614
DISNEY WALT CO COM 254687106 2,289 14,780 SH   SOLE   0 0 14,780
ETF SER SOLUTIONS US GLB JETS 26922A842 4,180 198,205 SH   SOLE   0 0 198,205
EATON VANCE TAX-MANAGED GLOB COM 27829F108 780 73,100 SH   SOLE   0 0 73,100
EXXON MOBIL CORP COM 30231G102 1,060 17,316 SH   SOLE   0 0 17,316
META PLATFORMS INC CL A 30303M102 1,098 3,264 SH   SOLE   0 0 3,264
HOME DEPOT INC COM 437076102 382 920 SH   SOLE   0 0 920
INTEL CORP COM 458140100 642 12,473 SH   SOLE   0 0 12,473
INTERNATIONAL BUSINESS MACHS COM 459200101 788 5,894 SH   SOLE   0 0 5,894
INVESCO QQQ TR UNIT SER 1 46090E103 4,605 11,574 SH   SOLE   0 0 11,574
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,619 174,617 SH   SOLE   0 0 174,617
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 367 11,123 SH   SOLE   0 0 11,123
ISHARES INC MSCI CDA ETF 464286509 287 7,467 SH   SOLE   0 0 7,467
ISHARES TR CORE S&P TTL STK 464287150 11,276 105,404 SH   SOLE   0 0 105,404
ISHARES TR SELECT DIVID ETF 464287168 1,904 15,533 SH   SOLE   0 0 15,533
ISHARES TR CORE S&P500 ETF 464287200 5,790 12,139 SH   SOLE   0 0 12,139
ISHARES TR CORE US AGGBD ET 464287226 612 5,366 SH   SOLE   0 0 5,366
ISHARES TR MSCI EMG MKT ETF 464287234 2,294 46,965 SH   SOLE   0 0 46,965
ISHARES TR IBOXX INV CP ETF 464287242 4,065 30,676 SH   SOLE   0 0 30,676
ISHARES TR S&P 500 GRWT ETF 464287309 427 5,102 SH   SOLE   0 0 5,102
ISHARES TR S&P 500 VAL ETF 464287408 2,938 18,758 SH   SOLE   0 0 18,758
ISHARES TR 1 3 YR TREAS BD 464287457 647 7,562 SH   SOLE   0 0 7,562
ISHARES TR MSCI EAFE ETF 464287465 812 10,326 SH   SOLE   0 0 10,326
ISHARES TR RUS MD CP GR ETF 464287481 1,198 10,395 SH   SOLE   0 0 10,395
ISHARES TR CORE S&P MCP ETF 464287507 23,780 84,006 SH   SOLE   0 0 84,006
ISHARES TR ISHARES BIOTECH 464287556 233 1,525 SH   SOLE   0 0 1,525
ISHARES TR RUS 1000 VAL ETF 464287598 1,094 6,514 SH   SOLE   0 0 6,514
ISHARES TR RUS 1000 GRW ETF 464287614 2,635 8,623 SH   SOLE   0 0 8,623
ISHARES TR RUS 2000 VAL ETF 464287630 2,757 16,602 SH   SOLE   0 0 16,602
ISHARES TR RUSSELL 3000 ETF 464287689 3,247 11,702 SH   SOLE   0 0 11,702
ISHARES TR CORE S&P SCP ETF 464287804 14,147 123,542 SH   SOLE   0 0 123,542
ISHARES TR SP SMCP600VL ETF 464287879 16,760 160,398 SH   SOLE   0 0 160,398
ISHARES TR EAFE SML CP ETF 464288273 3,060 41,860 SH   SOLE   0 0 41,860
ISHARES TR IBOXX HI YD ETF 464288513 1,495 17,184 SH   SOLE   0 0 17,184
ISHARES TR PFD AND INCM SEC 464288687 6,645 168,520 SH   SOLE   0 0 168,520
ISHARES TR MSCI USA ESG SLC 464288802 697 6,556 SH   SOLE   0 0 6,556
ISHARES TR EAFE VALUE ETF 464288877 3,320 65,891 SH   SOLE   0 0 65,891
ISHARES TR FLTG RATE NT ETF 46429B655 683 13,461 SH   SOLE   0 0 13,461
ISHARES TR CORE HIGH DV ETF 46429B663 711 7,038 SH   SOLE   0 0 7,038
ISHARES TR MSCI EAFE MIN VL 46429B689 1,764 22,980 SH   SOLE   0 0 22,980
ISHARES TR MSCI USA MIN VOL 46429B697 7,303 90,266 SH   SOLE   0 0 90,266
ISHARES TR MSCI USA QLT FCT 46432F339 20,254 139,143 SH   SOLE   0 0 139,143
ISHARES TR MSCI USA MMENTM 46432F396 18,180 99,991 SH   SOLE   0 0 99,991
ISHARES TR CORE MSCI TOTAL 46432F834 4,582 64,589 SH   SOLE   0 0 64,589
ISHARES TR CORE MSCI EAFE 46432F842 3,184 42,652 SH   SOLE   0 0 42,652
ISHARES TR MSCI INTL QUALTY 46434V456 5,462 138,705 SH   SOLE   0 0 138,705
ISHARES TR ESG AWARE MSCI 46435U663 369 9,160 SH   SOLE   0 0 9,160
ISHARES TR BROAD USD HIGH 46435U853 1,307 31,740 SH   SOLE   0 0 31,740
JPMORGAN CHASE & CO COM 46625H100 805 5,083 SH   SOLE   0 0 5,083
JD.COM INC SPON ADR CL A 47215P106 231 3,300 SH   SOLE   0 0 3,300
JOHNSON & JOHNSON COM 478160104 401 2,346 SH   SOLE   0 0 2,346
LAM RESEARCH CORP COM 512807108 426 593 SH   SOLE   0 0 593
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 140 16,760 SH   SOLE   0 0 16,760
MCDONALDS CORP COM 580135101 932 3,478 SH   SOLE   0 0 3,478
MERCK & CO INC COM 58933Y105 623 8,131 SH   SOLE   0 0 8,131
MICROSOFT CORP COM 594918104 5,749 17,094 SH   SOLE   0 0 17,094
MICROCHIP TECHNOLOGY INC. COM 595017104 268 3,080 SH   SOLE   0 0 3,080
MODERNA INC COM 60770K107 247 972 SH   SOLE   0 0 972
NETFLIX INC COM 64110L106 1,294 2,148 SH   SOLE   0 0 2,148
NEW YORK CMNTY BANCORP INC COM 649445103 386 31,582 SH   SOLE   0 0 31,582
NEXTERA ENERGY INC COM 65339F101 429 4,596 SH   SOLE   0 0 4,596
NVIDIA CORPORATION COM 67066G104 501 1,705 SH   SOLE   0 0 1,705
OPKO HEALTH INC COM 68375N103 405 84,110 SH   SOLE   0 0 84,110
ORACLE CORP COM 68389X105 651 7,465 SH   SOLE   0 0 7,465
PPL CORP COM 69351T106 666 22,153 SH   SOLE   0 0 22,153
PACKAGING CORP AMER COM 695156109 211 1,551 SH   SOLE   0 0 1,551
PALO ALTO NETWORKS INC COM 697435105 331 594 SH   SOLE   0 0 594
PEPSICO INC COM 713448108 637 3,668 SH   SOLE   0 0 3,668
PFIZER INC COM 717081103 530 8,969 SH   SOLE   0 0 8,969
PHILIP MORRIS INTL INC COM 718172109 700 7,372 SH   SOLE   0 0 7,372
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 800 7,873 SH   SOLE   0 0 7,873
PROCTER AND GAMBLE CO COM 742718109 722 4,412 SH   SOLE   0 0 4,412
PRUDENTIAL FINL INC COM 744320102 284 2,624 SH   SOLE   0 0 2,624
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 895 13,416 SH   SOLE   0 0 13,416
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,360 21,812 SH   SOLE   0 0 21,812
SPDR GOLD TR GOLD SHS 78463V107 284 1,662 SH   SOLE   0 0 1,662
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 356 9,992 SH   SOLE   0 0 9,992
SPDR SER TR S&P 600 SMCP VAL 78464A300 257 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 677 1,863 SH   SOLE   0 0 1,863
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,595 3,081 SH   SOLE   0 0 3,081
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,891 44,962 SH   SOLE   0 0 44,962
SALESFORCE COM INC COM 79466L302 760 2,991 SH   SOLE   0 0 2,991
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 894 12,211 SH   SOLE   0 0 12,211
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 279 6,823 SH   SOLE   0 0 6,823
SELECT SECTOR SPDR TR ENERGY 81369Y506 784 14,123 SH   SOLE   0 0 14,123
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,186 30,367 SH   SOLE   0 0 30,367
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,001 11,509 SH   SOLE   0 0 11,509
SERVICENOW INC COM 81762P102 484 746 SH   SOLE   0 0 746
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 204 13,933 SH   SOLE   0 0 13,933
SYNOPSYS INC COM 871607107 372 1,009 SH   SOLE   0 0 1,009
T-MOBILE US INC COM 872590104 367 3,163 SH   SOLE   0 0 3,163
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 415 3,448 SH   SOLE   0 0 3,448
TESLA INC COM 88160R101 572 541 SH   SOLE   0 0 541
TORONTO DOMINION BK ONT COM NEW 891160509 628 8,191 SH   SOLE   0 0 8,191
TWILIO INC CL A 90138F102 774 2,940 SH   SOLE   0 0 2,940
UBER TECHNOLOGIES INC COM 90353T100 270 6,442 SH   SOLE   0 0 6,442
VBI VACCINES INC CDA COM NEW 91822J103 23 10,000 SH   SOLE   0 0 10,000
VALLEY NATL BANCORP COM 919794107 270 19,615 SH   SOLE   0 0 19,615
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,503 14,575 SH   SOLE   0 0 14,575
VANGUARD STAR FDS VG TL INTL STK F 921909768 215 3,382 SH   SOLE   0 0 3,382
VANGUARD WORLD FD MEGA GRWTH IND 921910816 302 1,159 SH   SOLE   0 0 1,159
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 243 804 SH   SOLE   0 0 804
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 229 1,090 SH   SOLE   0 0 1,090
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,104 5,765 SH   SOLE   0 0 5,765
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,158 13,216 SH   SOLE   0 0 13,216
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,132 88,238 SH   SOLE   0 0 88,238
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 280 3,303 SH   SOLE   0 0 3,303
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,053 40,215 SH   SOLE   0 0 40,215
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,083 18,580 SH   SOLE   0 0 18,580
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 689 10,253 SH   SOLE   0 0 10,253
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 440 8,806 SH   SOLE   0 0 8,806
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 686 6,388 SH   SOLE   0 0 6,388
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,893 98,933 SH   SOLE   0 0 98,933
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 232 2,976 SH   SOLE   0 0 2,976
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 251 3,679 SH   SOLE   0 0 3,679
VANGUARD WORLD FDS UTILITIES ETF 92204A876 717 4,586 SH   SOLE   0 0 4,586
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,591 93,417 SH   SOLE   0 0 93,417
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 1,142 12,587 SH   SOLE   0 0 12,587
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 202 1,393 SH   SOLE   0 0 1,393
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,455 15,691 SH   SOLE   0 0 15,691
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,442 5,593 SH   SOLE   0 0 5,593
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,942 42,601 SH   SOLE   0 0 42,601
VANGUARD INDEX FDS SML CP GRW ETF 922908595 653 2,318 SH   SOLE   0 0 2,318
VANGUARD INDEX FDS SM CP VAL ETF 922908611 291 1,629 SH   SOLE   0 0 1,629
VANGUARD INDEX FDS MID CAP ETF 922908629 2,041 8,011 SH   SOLE   0 0 8,011
VANGUARD INDEX FDS LARGE CAP ETF 922908637 637 2,881 SH   SOLE   0 0 2,881
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 237 1,294 SH   SOLE   0 0 1,294
VANGUARD INDEX FDS GROWTH ETF 922908736 1,414 4,407 SH   SOLE   0 0 4,407
VANGUARD INDEX FDS VALUE ETF 922908744 8,509 57,840 SH   SOLE   0 0 57,840
VANGUARD INDEX FDS SMALL CP ETF 922908751 788 3,488 SH   SOLE   0 0 3,488
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,213 13,306 SH   SOLE   0 0 13,306
VERIZON COMMUNICATIONS INC COM 92343V104 778 14,967 SH   SOLE   0 0 14,967
WISDOMTREE TR US DIVID EX FNCL 97717W406 208 2,052 SH   SOLE   0 0 2,052
WORKDAY INC CL A 98138H101 403 1,476 SH   SOLE   0 0 1,476
ATLASSIAN CORP PLC CL A G06242104 965 2,532 SH   SOLE   0 0 2,532
EATON CORP PLC SHS G29183103 221 1,276 SH   SOLE   0 0 1,276