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
AT&T INC COM 00206R102   809,834 42,069 SH   SOLE   0 0 42,069
ABBOTT LABS COM 002824100   459,117 4,534 SH   SOLE   0 0 4,534
ABBVIE INC COM 00287Y109   1,098,523 6,893 SH   SOLE   0 0 6,893
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100   140,754 17,420 SH   SOLE   0 0 17,420
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   508,299 13,903 SH   SOLE   0 0 13,903
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   530,353 30,254 SH   SOLE   0 0 30,254
ALPHABET INC CAP STK CL C 02079K107   873,600 8,400 SH   SOLE   0 0 8,400
ALPHABET INC CAP STK CL A 02079K305   512,426 4,940 SH   SOLE   0 0 4,940
ALTRIA GROUP INC COM 02209S103   565,507 12,674 SH   SOLE   0 0 12,674
AMAZON COM INC COM 023135106   1,582,051 15,317 SH   SOLE   0 0 15,317
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   375,295 6,493 SH   SOLE   0 0 6,493
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   291,429 5,702 SH   SOLE   0 0 5,702
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,275,376 24,114 SH   SOLE   0 0 24,114
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   7,248,008 127,091 SH   SOLE   0 0 127,091
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,356,999 58,831 SH   SOLE   0 0 58,831
AMERICAN CENTY ETF TR US EQT ETF 025072885   14,174,736 199,982 SH   SOLE   0 0 199,982
AMGEN INC COM 031162100   279,499 1,156 SH   SOLE   0 0 1,156
ANALOG DEVICES INC COM 032654105   204,912 1,039 SH   SOLE   0 0 1,039
APPLE INC COM 037833100   7,595,689 46,062 SH   SOLE   0 0 46,062
APPLIED MATLS INC COM 038222105   447,470 3,643 SH   SOLE   0 0 3,643
BCE INC COM NEW 05534B760   370,413 8,270 SH   SOLE   0 0 8,270
BANK NEW YORK MELLON CORP COM 064058100   203,617 4,481 SH   SOLE   0 0 4,481
BECTON DICKINSON & CO COM 075887109   379,861 1,535 SH   SOLE   0 0 1,535
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,244,034 4,029 SH   SOLE   0 0 4,029
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   198,566 17,342 SH   SOLE   0 0 17,342
BLACKSTONE INC COM 09260D107   535,209 6,093 SH   SOLE   0 0 6,093
BOEING CO COM 097023105   534,049 2,514 SH   SOLE   0 0 2,514
BOOKING HOLDINGS INC COM 09857L108   469,477 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108   838,109 12,092 SH   SOLE   0 0 12,092
CVS HEALTH CORP COM 126650100   293,294 3,947 SH   SOLE   0 0 3,947
CHEVRON CORP NEW COM 166764100   461,732 2,830 SH   SOLE   0 0 2,830
CISCO SYS INC COM 17275R102   266,399 5,096 SH   SOLE   0 0 5,096
CONSOLIDATED EDISON INC COM 209115104   229,895 2,403 SH   SOLE   0 0 2,403
COSTCO WHSL CORP NEW COM 22160K105   250,919 505 SH   SOLE   0 0 505
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   4,850,819 168,607 SH   SOLE   0 0 168,607
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,168,271 117,561 SH   SOLE   0 0 117,561
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,960,409 128,602 SH   SOLE   0 0 128,602
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   23,890,477 537,710 SH   SOLE   0 0 537,710
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,301,279 271,372 SH   SOLE   0 0 271,372
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   30,474,464 684,819 SH   SOLE   0 0 684,819
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   48,168,619 1,890,448 SH   SOLE   0 0 1,890,448
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   25,927,286 774,411 SH   SOLE   0 0 774,411
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   396,290 16,771 SH   SOLE   0 0 16,771
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   6,521,501 269,706 SH   SOLE   0 0 269,706
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   345,477 14,356 SH   SOLE   0 0 14,356
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   5,825,037 180,733 SH   SOLE   0 0 180,733
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   270,280 12,577 SH   SOLE   0 0 12,577
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   8,764,679 348,635 SH   SOLE   0 0 348,635
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   722,019 14,944 SH   SOLE   0 0 14,944
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   2,253,304 48,292 SH   SOLE   0 0 48,292
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   9,047,646 212,886 SH   SOLE   0 0 212,886
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   2,007,598 87,060 SH   SOLE   0 0 87,060
DISNEY WALT CO COM 254687106   494,534 4,939 SH   SOLE   0 0 4,939
ETF SER SOLUTIONS US GLB JETS 26922A842   765,878 41,110 SH   SOLE   0 0 41,110
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   103,407 10,208 SH   SOLE   0 0 10,208
EATON VANCE TAX-MANAGED GLOB COM 27829F108   606,993 77,720 SH   SOLE   0 0 77,720
EXXON MOBIL CORP COM 30231G102   1,587,331 14,475 SH   SOLE   0 0 14,475
META PLATFORMS INC CL A 30303M102   617,593 2,914 SH   SOLE   0 0 2,914
HOME DEPOT INC COM 437076102   770,380 2,610 SH   SOLE   0 0 2,610
INTEL CORP COM 458140100   347,026 10,622 SH   SOLE   0 0 10,622
INTERNATIONAL BUSINESS MACHS COM 459200101   646,088 4,929 SH   SOLE   0 0 4,929
INVESCO QQQ TR UNIT SER 1 46090E103   3,047,014 9,494 SH   SOLE   0 0 9,494
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   211,050 5,000 SH   SOLE   0 0 5,000
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   1,557,313 135,654 SH   SOLE   0 0 135,654
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   4,827,750 36,571 SH   SOLE   0 0 36,571
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   226,679 8,433 SH   SOLE   0 0 8,433
ISHARES TR CORE S&P TTL STK 464287150   9,587,616 105,882 SH   SOLE   0 0 105,882
ISHARES TR SELECT DIVID ETF 464287168   1,224,333 10,448 SH   SOLE   0 0 10,448
ISHARES TR TIPS BD ETF 464287176   221,129 2,006 SH   SOLE   0 0 2,006
ISHARES TR CORE S&P500 ETF 464287200   6,049,783 14,717 SH   SOLE   0 0 14,717
ISHARES TR CORE US AGGBD ET 464287226   3,462,866 34,754 SH   SOLE   0 0 34,754
ISHARES TR MSCI EMG MKT ETF 464287234   551,578 13,978 SH   SOLE   0 0 13,978
ISHARES TR IBOXX INV CP ETF 464287242   574,000 5,237 SH   SOLE   0 0 5,237
ISHARES TR S&P 500 GRWT ETF 464287309   337,337 5,280 SH   SOLE   0 0 5,280
ISHARES TR S&P 500 VAL ETF 464287408   2,889,254 19,038 SH   SOLE   0 0 19,038
ISHARES TR 1 3 YR TREAS BD 464287457   391,950 4,771 SH   SOLE   0 0 4,771
ISHARES TR MSCI EAFE ETF 464287465   613,305 8,575 SH   SOLE   0 0 8,575
ISHARES TR RUS MD CP GR ETF 464287481   1,304,575 14,328 SH   SOLE   0 0 14,328
ISHARES TR CORE S&P MCP ETF 464287507   25,797,530 103,124 SH   SOLE   0 0 103,124
ISHARES TR RUS 1000 VAL ETF 464287598   1,062,252 6,977 SH   SOLE   0 0 6,977
ISHARES TR RUS 1000 GRW ETF 464287614   2,150,029 8,800 SH   SOLE   0 0 8,800
ISHARES TR RUS 2000 VAL ETF 464287630   697,564 5,091 SH   SOLE   0 0 5,091
ISHARES TR RUSSELL 3000 ETF 464287689   2,439,487 10,363 SH   SOLE   0 0 10,363
ISHARES TR CORE S&P SCP ETF 464287804   11,901,473 123,076 SH   SOLE   0 0 123,076
ISHARES TR SP SMCP600VL ETF 464287879   9,307,582 99,451 SH   SOLE   0 0 99,451
ISHARES TR SHRT NAT MUN ETF 464288158   219,828 2,100 SH   SOLE   0 0 2,100
ISHARES TR EAFE SML CP ETF 464288273   936,356 15,734 SH   SOLE   0 0 15,734
ISHARES TR IBOXX HI YD ETF 464288513   428,990 5,678 SH   SOLE   0 0 5,678
ISHARES TR PFD AND INCM SEC 464288687   3,617,992 115,887 SH   SOLE   0 0 115,887
ISHARES TR MSCI USA ESG SLC 464288802   589,902 6,721 SH   SOLE   0 0 6,721
ISHARES TR EAFE VALUE ETF 464288877   2,450,390 50,492 SH   SOLE   0 0 50,492
ISHARES TR AGGRES ALLOC ETF 464289859   231,022 3,633 SH   SOLE   0 0 3,633
ISHARES TR FLTG RATE NT ETF 46429B655   692,054 13,734 SH   SOLE   0 0 13,734
ISHARES TR CORE HIGH DV ETF 46429B663   703,833 6,923 SH   SOLE   0 0 6,923
ISHARES TR MSCI EAFE MIN VL 46429B689   244,217 3,610 SH   SOLE   0 0 3,610
ISHARES TR MSCI USA MIN VOL 46429B697   6,736,537 92,611 SH   SOLE   0 0 92,611
ISHARES TR MSCI USA QLT FCT 46432F339   18,388,046 148,213 SH   SOLE   0 0 148,213
ISHARES TR MSCI USA MMENTM 46432F396   10,773,178 77,483 SH   SOLE   0 0 77,483
ISHARES TR CORE MSCI TOTAL 46432F834   584,733 9,439 SH   SOLE   0 0 9,439
ISHARES TR CORE MSCI EAFE 46432F842   1,805,685 27,011 SH   SOLE   0 0 27,011
ISHARES TR MSCI INTL QUALTY 46434V456   3,355,302 95,051 SH   SOLE   0 0 95,051
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,319,225 52,371 SH   SOLE   0 0 52,371
ISHARES TR IBONDS DEC25 ETF 46434VBD1   782,016 31,880 SH   SOLE   0 0 31,880
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,142,206 46,450 SH   SOLE   0 0 46,450
ISHARES TR ESG AWARE MSCI 46435U663   345,304 10,159 SH   SOLE   0 0 10,159
ISHARES TR BROAD USD HIGH 46435U853   1,135,197 31,932 SH   SOLE   0 0 31,932
ISHARES TR ESG AWARE AGGRSV 46436E668   225,907 7,650 SH   SOLE   0 0 7,650
JPMORGAN CHASE & CO COM 46625H100   556,375 4,270 SH   SOLE   0 0 4,270
JOHNSON & JOHNSON COM 478160104   2,309,625 14,901 SH   SOLE   0 0 14,901
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104   103,912 16,760 SH   SOLE   0 0 16,760
MARATHON PETE CORP COM 56585A102   325,884 2,417 SH   SOLE   0 0 2,417
MCDONALDS CORP COM 580135101   871,799 3,118 SH   SOLE   0 0 3,118
MERCK & CO INC COM 58933Y105   428,978 4,032 SH   SOLE   0 0 4,032
MICROSOFT CORP COM 594918104   4,699,052 16,299 SH   SOLE   0 0 16,299
NETFLIX INC COM 64110L106   317,496 919 SH   SOLE   0 0 919
NEW YORK CMNTY BANCORP INC COM 649445103   290,862 32,175 SH   SOLE   0 0 32,175
NUCOR CORP COM 670346105   262,599 1,700 SH   SOLE   0 0 1,700
OPKO HEALTH INC COM 68375N103   29,200 20,000 SH   SOLE   0 0 20,000
PACKAGING CORP AMER COM 695156109   211,855 1,526 SH   SOLE   0 0 1,526
PALO ALTO NETWORKS INC COM 697435105   356,369 1,784 SH   SOLE   0 0 1,784
PEPSICO INC COM 713448108   609,976 3,346 SH   SOLE   0 0 3,346
PFIZER INC COM 717081103   241,521 5,920 SH   SOLE   0 0 5,920
PHILIP MORRIS INTL INC COM 718172109   662,423 6,812 SH   SOLE   0 0 6,812
PREDICTIVE ONCOLOGY INC COM NEW 74039M200   48,182 147,437 SH   SOLE   0 0 147,437
PROCTER AND GAMBLE CO COM 742718109   498,590 3,353 SH   SOLE   0 0 3,353
PRUDENTIAL FINL INC COM 744320102   247,364 2,990 SH   SOLE   0 0 2,990
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   528,295 8,459 SH   SOLE   0 0 8,459
SHELL PLC SPON ADS 780259305   225,499 3,919 SH   SOLE   0 0 3,919
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,817,288 19,095 SH   SOLE   0 0 19,095
SPDR GOLD TR GOLD SHS 78463V107   303,779 1,658 SH   SOLE   0 0 1,658
SPDR SER TR S&P 600 SMCP VAL 78464A300   230,650 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   595,005 1,789 SH   SOLE   0 0 1,789
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,331,940 35,051 SH   SOLE   0 0 35,051
SALESFORCE INC COM 79466L302   204,175 1,022 SH   SOLE   0 0 1,022
SAMSARA INC COM CL A 79589L106   305,977 15,516 SH   SOLE   0 0 15,516
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   816,955 12,457 SH   SOLE   0 0 12,457
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   229,329 6,803 SH   SOLE   0 0 6,803
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,031,109 12,448 SH   SOLE   0 0 12,448
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   679,457 21,134 SH   SOLE   0 0 21,134
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,840,048 12,185 SH   SOLE   0 0 12,185
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104   210,527 13,742 SH   SOLE   0 0 13,742
T-MOBILE US INC COM 872590104   637,364 4,400 SH   SOLE   0 0 4,400
TESLA INC COM 88160R101   943,270 4,547 SH   SOLE   0 0 4,547
TORONTO DOMINION BK ONT COM NEW 891160509   260,086 4,342 SH   SOLE   0 0 4,342
UNITED PARCEL SERVICE INC CL B 911312106   311,189 1,604 SH   SOLE   0 0 1,604
VBI VACCINES INC CDA COM NEW 91822J103   3,000 10,000 SH   SOLE   0 0 10,000
VALLEY NATL BANCORP COM 919794107   243,317 26,333 SH   SOLE   0 0 26,333
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,897,386 12,320 SH   SOLE   0 0 12,320
VANGUARD WORLD FD MEGA GRWTH IND 921910816   241,702 1,182 SH   SOLE   0 0 1,182
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   958,147 11,315 SH   SOLE   0 0 11,315
VANGUARD BD INDEX FDS INTERMED TERM 921937819   603,549 7,865 SH   SOLE   0 0 7,865
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,494,740 19,542 SH   SOLE   0 0 19,542
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,002,450 22,193 SH   SOLE   0 0 22,193
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   422,296 4,003 SH   SOLE   0 0 4,003
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   406,274 6,558 SH   SOLE   0 0 6,558
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   406,581 8,502 SH   SOLE   0 0 8,502
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   435,250 8,839 SH   SOLE   0 0 8,839
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   610,815 6,633 SH   SOLE   0 0 6,633
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,248,109 30,894 SH   SOLE   0 0 30,894
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   201,811 2,976 SH   SOLE   0 0 2,976
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   224,249 3,679 SH   SOLE   0 0 3,679
VANGUARD WORLD FDS UTILITIES ETF 92204A876   765,812 5,191 SH   SOLE   0 0 5,191
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,517,701 46,146 SH   SOLE   0 0 46,146
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   628,660 8,204 SH   SOLE   0 0 8,204
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   700,263 8,729 SH   SOLE   0 0 8,729
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   886,024 17,490 SH   SOLE   0 0 17,490
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,245,031 5,970 SH   SOLE   0 0 5,970
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,139,610 25,766 SH   SOLE   0 0 25,766
VANGUARD INDEX FDS SML CP GRW ETF 922908595   453,607 2,096 SH   SOLE   0 0 2,096
VANGUARD INDEX FDS MID CAP ETF 922908629   1,348,364 6,393 SH   SOLE   0 0 6,393
VANGUARD INDEX FDS LARGE CAP ETF 922908637   353,690 1,893 SH   SOLE   0 0 1,893
VANGUARD INDEX FDS GROWTH ETF 922908736   1,029,186 4,126 SH   SOLE   0 0 4,126
VANGUARD INDEX FDS VALUE ETF 922908744   7,406,913 53,631 SH   SOLE   0 0 53,631
VANGUARD INDEX FDS SMALL CP ETF 922908751   494,330 2,608 SH   SOLE   0 0 2,608
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,068,636 15,035 SH   SOLE   0 0 15,035
VERIZON COMMUNICATIONS INC COM 92343V104   538,602 13,849 SH   SOLE   0 0 13,849
EATON CORP PLC SHS G29183103   218,630 1,276 SH   SOLE   0 0 1,276