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 1,047 44,296 SH   SOLE   0 0 44,296
ABBOTT LABS COM 002824100 527 4,448 SH   SOLE   0 0 4,448
ABBVIE INC COM 00287Y109 1,224 7,553 SH   SOLE   0 0 7,553
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 167 17,420 SH   SOLE   0 0 17,420
ADOBE SYSTEMS INCORPORATED COM 00724F101 565 1,239 SH   SOLE   0 0 1,239
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 642 13,653 SH   SOLE   0 0 13,653
ALPHABET INC CAP STK CL C 02079K107 1,120 401 SH   SOLE   0 0 401
ALPHABET INC CAP STK CL A 02079K305 592 213 SH   SOLE   0 0 213
ALTRIA GROUP INC COM 02209S103 603 11,532 SH   SOLE   0 0 11,532
AMAZON COM INC COM 023135106 1,674 513 SH   SOLE   0 0 513
AMERICAN AIRLS GROUP INC COM 02376R102 206 11,300 SH   SOLE   0 0 11,300
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 441 7,307 SH   SOLE   0 0 7,307
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,223 15,320 SH   SOLE   0 0 15,320
AMERICAN CENTY ETF TR US EQT ETF 025072885 3,132 40,618 SH   SOLE   0 0 40,618
AMERICAN EXPRESS CO COM 025816109 348 1,862 SH   SOLE   0 0 1,862
AMGEN INC COM 031162100 394 1,628 SH   SOLE   0 0 1,628
ANALOG DEVICES INC COM 032654105 518 3,138 SH   SOLE   0 0 3,138
APPLE INC COM 037833100 10,237 58,631 SH   SOLE   0 0 58,631
APPLIED MATLS INC COM 038222105 523 3,968 SH   SOLE   0 0 3,968
BCE INC COM NEW 05534B760 514 9,270 SH   SOLE   0 0 9,270
BANK NEW YORK MELLON CORP COM 064058100 222 4,481 SH   SOLE   0 0 4,481
BECTON DICKINSON & CO COM 075887109 413 1,553 SH   SOLE   0 0 1,553
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 875 2,478 SH   SOLE   0 0 2,478
BLACKROCK CORE BD TR SHS BEN INT 09249E101 171 13,158 SH   SOLE   0 0 13,158
BLACKSTONE INC COM 09260D107 729 5,739 SH   SOLE   0 0 5,739
BOEING CO COM 097023105 519 2,711 SH   SOLE   0 0 2,711
BOOKING HOLDINGS INC COM 09857L108 416 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108 1,096 15,009 SH   SOLE   0 0 15,009
CVS HEALTH CORP COM 126650100 328 3,240 SH   SOLE   0 0 3,240
CHEVRON CORP NEW COM 166764100 460 2,825 SH   SOLE   0 0 2,825
CISCO SYS INC COM 17275R102 228 4,090 SH   SOLE   0 0 4,090
CONSOLIDATED EDISON INC COM 209115104 237 2,500 SH   SOLE   0 0 2,500
COSTCO WHSL CORP NEW COM 22160K105 216 375 SH   SOLE   0 0 375
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 956 30,327 SH   SOLE   0 0 30,327
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 403 14,330 SH   SOLE   0 0 14,330
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 596 22,720 SH   SOLE   0 0 22,720
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 27,156 553,984 SH   SOLE   0 0 553,984
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 14,477 258,237 SH   SOLE   0 0 258,237
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 31,963 686,197 SH   SOLE   0 0 686,197
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 45,227 1,639,856 SH   SOLE   0 0 1,639,856
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 5,513 164,681 SH   SOLE   0 0 164,681
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,874 115,205 SH   SOLE   0 0 115,205
DISNEY WALT CO COM 254687106 1,580 11,522 SH   SOLE   0 0 11,522
ETF SER SOLUTIONS US GLB JETS 26922A842 3,995 183,615 SH   SOLE   0 0 183,615
EATON VANCE TAX-MANAGED GLOB COM 27829F108 749 77,100 SH   SOLE   0 0 77,100
EXXON MOBIL CORP COM 30231G102 1,430 17,320 SH   SOLE   0 0 17,320
META PLATFORMS INC CL A 30303M102 681 3,062 SH   SOLE   0 0 3,062
HOME DEPOT INC COM 437076102 275 918 SH   SOLE   0 0 918
INTEL CORP COM 458140100 543 10,963 SH   SOLE   0 0 10,963
INTERNATIONAL BUSINESS MACHS COM 459200101 680 5,229 SH   SOLE   0 0 5,229
INVESCO QQQ TR UNIT SER 1 46090E103 3,409 9,403 SH   SOLE   0 0 9,403
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,365 174,277 SH   SOLE   0 0 174,277
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 330 11,123 SH   SOLE   0 0 11,123
ISHARES TR CORE S&P TTL STK 464287150 8,519 84,399 SH   SOLE   0 0 84,399
ISHARES TR SELECT DIVID ETF 464287168 1,184 9,239 SH   SOLE   0 0 9,239
ISHARES TR CORE S&P500 ETF 464287200 5,749 12,671 SH   SOLE   0 0 12,671
ISHARES TR CORE US AGGBD ET 464287226 4,965 46,362 SH   SOLE   0 0 46,362
ISHARES TR MSCI EMG MKT ETF 464287234 593 13,127 SH   SOLE   0 0 13,127
ISHARES TR IBOXX INV CP ETF 464287242 2,816 23,287 SH   SOLE   0 0 23,287
ISHARES TR S&P 500 GRWT ETF 464287309 390 5,109 SH   SOLE   0 0 5,109
ISHARES TR S&P 500 VAL ETF 464287408 2,962 19,025 SH   SOLE   0 0 19,025
ISHARES TR 1 3 YR TREAS BD 464287457 539 6,472 SH   SOLE   0 0 6,472
ISHARES TR MSCI EAFE ETF 464287465 814 11,060 SH   SOLE   0 0 11,060
ISHARES TR RUS MD CP GR ETF 464287481 1,630 16,224 SH   SOLE   0 0 16,224
ISHARES TR CORE S&P MCP ETF 464287507 23,116 86,145 SH   SOLE   0 0 86,145
ISHARES TR RUS 1000 VAL ETF 464287598 1,143 6,889 SH   SOLE   0 0 6,889
ISHARES TR RUS 1000 GRW ETF 464287614 2,433 8,764 SH   SOLE   0 0 8,764
ISHARES TR RUS 2000 VAL ETF 464287630 888 5,503 SH   SOLE   0 0 5,503
ISHARES TR RUSSELL 3000 ETF 464287689 3,074 11,716 SH   SOLE   0 0 11,716
ISHARES TR CORE S&P SCP ETF 464287804 11,505 106,644 SH   SOLE   0 0 106,644
ISHARES TR SP SMCP600VL ETF 464287879 10,984 107,278 SH   SOLE   0 0 107,278
ISHARES TR EAFE SML CP ETF 464288273 1,197 18,048 SH   SOLE   0 0 18,048
ISHARES TR IBOXX HI YD ETF 464288513 1,330 16,167 SH   SOLE   0 0 16,167
ISHARES TR PFD AND INCM SEC 464288687 5,953 163,457 SH   SOLE   0 0 163,457
ISHARES TR MSCI USA ESG SLC 464288802 651 6,721 SH   SOLE   0 0 6,721
ISHARES TR EAFE VALUE ETF 464288877 2,586 51,443 SH   SOLE   0 0 51,443
ISHARES TR AGGRES ALLOC ETF 464289859 277 4,019 SH   SOLE   0 0 4,019
ISHARES TR FLTG RATE NT ETF 46429B655 680 13,461 SH   SOLE   0 0 13,461
ISHARES TR CORE HIGH DV ETF 46429B663 740 6,923 SH   SOLE   0 0 6,923
ISHARES TR MSCI EAFE MIN VL 46429B689 300 4,160 SH   SOLE   0 0 4,160
ISHARES TR MSCI USA MIN VOL 46429B697 7,547 97,289 SH   SOLE   0 0 97,289
ISHARES TR MSCI USA QLT FCT 46432F339 18,538 137,693 SH   SOLE   0 0 137,693
ISHARES TR MSCI USA MMENTM 46432F396 16,348 97,151 SH   SOLE   0 0 97,151
ISHARES TR CORE MSCI TOTAL 46432F834 627 9,416 SH   SOLE   0 0 9,416
ISHARES TR CORE MSCI EAFE 46432F842 2,884 41,497 SH   SOLE   0 0 41,497
ISHARES TR MSCI INTL QUALTY 46434V456 4,799 130,171 SH   SOLE   0 0 130,171
ISHARES TR ESG AWARE MSCI 46435U663 348 9,160 SH   SOLE   0 0 9,160
ISHARES TR BROAD USD HIGH 46435U853 1,258 32,385 SH   SOLE   0 0 32,385
JPMORGAN CHASE & CO COM 46625H100 611 4,485 SH   SOLE   0 0 4,485
JOHNSON & JOHNSON COM 478160104 364 2,053 SH   SOLE   0 0 2,053
LAM RESEARCH CORP COM 512807108 319 593 SH   SOLE   0 0 593
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 135 16,760 SH   SOLE   0 0 16,760
MARATHON PETE CORP COM 56585A102 207 2,417 SH   SOLE   0 0 2,417
MCDONALDS CORP COM 580135101 809 3,273 SH   SOLE   0 0 3,273
MERCK & CO INC COM 58933Y105 380 4,637 SH   SOLE   0 0 4,637
MICROSOFT CORP COM 594918104 5,371 17,420 SH   SOLE   0 0 17,420
MICROCHIP TECHNOLOGY INC. COM 595017104 231 3,080 SH   SOLE   0 0 3,080
NETFLIX INC COM 64110L106 547 1,461 SH   SOLE   0 0 1,461
NEW YORK CMNTY BANCORP INC COM 649445103 339 31,582 SH   SOLE   0 0 31,582
NEXTERA ENERGY INC COM 65339F101 389 4,596 SH   SOLE   0 0 4,596
NUCOR CORP COM 670346105 253 1,700 SH   SOLE   0 0 1,700
NVIDIA CORPORATION COM 67066G104 411 1,505 SH   SOLE   0 0 1,505
ORACLE CORP COM 68389X105 277 3,347 SH   SOLE   0 0 3,347
PPL CORP COM 69351T106 633 22,153 SH   SOLE   0 0 22,153
PACKAGING CORP AMER COM 695156109 242 1,551 SH   SOLE   0 0 1,551
PALO ALTO NETWORKS INC COM 697435105 370 594 SH   SOLE   0 0 594
PEPSICO INC COM 713448108 614 3,668 SH   SOLE   0 0 3,668
PFIZER INC COM 717081103 326 6,307 SH   SOLE   0 0 6,307
PHILIP MORRIS INTL INC COM 718172109 640 6,812 SH   SOLE   0 0 6,812
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 715 7,142 SH   SOLE   0 0 7,142
PROCTER AND GAMBLE CO COM 742718109 674 4,412 SH   SOLE   0 0 4,412
PRUDENTIAL FINL INC COM 744320102 309 2,615 SH   SOLE   0 0 2,615
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 925 13,216 SH   SOLE   0 0 13,216
SHELL PLC SPON ADS 780259305 216 3,924 SH   SOLE   0 0 3,924
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,566 18,967 SH   SOLE   0 0 18,967
SPDR GOLD TR GOLD SHS 78463V107 335 1,852 SH   SOLE   0 0 1,852
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 302 8,842 SH   SOLE   0 0 8,842
SPDR SER TR S&P 600 SMCP VAL 78464A300 252 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 549 1,584 SH   SOLE   0 0 1,584
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,053 23,956 SH   SOLE   0 0 23,956
SALESFORCE COM INC COM 79466L302 638 3,007 SH   SOLE   0 0 3,007
SAMSARA INC COM CL A 79589L106 184 11,508 SH   SOLE   0 0 11,508
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 872 12,211 SH   SOLE   0 0 12,211
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 258 6,803 SH   SOLE   0 0 6,803
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,080 14,134 SH   SOLE   0 0 14,134
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 709 18,497 SH   SOLE   0 0 18,497
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,834 11,541 SH   SOLE   0 0 11,541
SERVICENOW INC COM 81762P102 415 746 SH   SOLE   0 0 746
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 221 13,742 SH   SOLE   0 0 13,742
SYNOPSYS INC COM 871607107 336 1,009 SH   SOLE   0 0 1,009
T-MOBILE US INC COM 872590104 506 3,945 SH   SOLE   0 0 3,945
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 359 3,448 SH   SOLE   0 0 3,448
TESLA INC COM 88160R101 491 456 SH   SOLE   0 0 456
TORONTO DOMINION BK ONT COM NEW 891160509 650 8,190 SH   SOLE   0 0 8,190
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 187 10,683 SH   SOLE   0 0 10,683
TWILIO INC CL A 90138F102 291 1,764 SH   SOLE   0 0 1,764
UBER TECHNOLOGIES INC COM 90353T100 230 6,442 SH   SOLE   0 0 6,442
VBI VACCINES INC CDA COM NEW 91822J103 17 10,000 SH   SOLE   0 0 10,000
VALLEY NATL BANCORP COM 919794107 254 19,529 SH   SOLE   0 0 19,529
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,268 13,986 SH   SOLE   0 0 13,986
VANGUARD WORLD FD MEGA GRWTH IND 921910816 278 1,180 SH   SOLE   0 0 1,180
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 222 804 SH   SOLE   0 0 804
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 216 1,090 SH   SOLE   0 0 1,090
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,048 5,767 SH   SOLE   0 0 5,767
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,016 12,407 SH   SOLE   0 0 12,407
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,114 65,653 SH   SOLE   0 0 65,653
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 264 3,320 SH   SOLE   0 0 3,320
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,931 40,208 SH   SOLE   0 0 40,208
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 372 3,311 SH   SOLE   0 0 3,311
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 695 10,274 SH   SOLE   0 0 10,274
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 422 8,538 SH   SOLE   0 0 8,538
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 651 6,429 SH   SOLE   0 0 6,429
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,689 58,285 SH   SOLE   0 0 58,285
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 220 2,976 SH   SOLE   0 0 2,976
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 229 3,679 SH   SOLE   0 0 3,679
VANGUARD WORLD FDS UTILITIES ETF 92204A876 746 4,610 SH   SOLE   0 0 4,610
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,633 84,937 SH   SOLE   0 0 84,937
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 958 11,470 SH   SOLE   0 0 11,470
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,305 15,171 SH   SOLE   0 0 15,171
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,219 5,345 SH   SOLE   0 0 5,345
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,520 32,481 SH   SOLE   0 0 32,481
VANGUARD INDEX FDS SML CP GRW ETF 922908595 528 2,126 SH   SOLE   0 0 2,126
VANGUARD INDEX FDS SM CP VAL ETF 922908611 211 1,199 SH   SOLE   0 0 1,199
VANGUARD INDEX FDS MID CAP ETF 922908629 1,698 7,139 SH   SOLE   0 0 7,139
VANGUARD INDEX FDS LARGE CAP ETF 922908637 392 1,881 SH   SOLE   0 0 1,881
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 214 1,294 SH   SOLE   0 0 1,294
VANGUARD INDEX FDS GROWTH ETF 922908736 1,233 4,287 SH   SOLE   0 0 4,287
VANGUARD INDEX FDS VALUE ETF 922908744 7,490 50,686 SH   SOLE   0 0 50,686
VANGUARD INDEX FDS SMALL CP ETF 922908751 543 2,556 SH   SOLE   0 0 2,556
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,039 13,350 SH   SOLE   0 0 13,350
VERIZON COMMUNICATIONS INC COM 92343V104 756 14,845 SH   SOLE   0 0 14,845
WISDOMTREE TR US AI ENHANCED 97717W406 204 2,057 SH   SOLE   0 0 2,057
WORKDAY INC CL A 98138H101 353 1,476 SH   SOLE   0 0 1,476
ATLASSIAN CORP PLC CL A G06242104 744 2,532 SH   SOLE   0 0 2,532