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
ABBVIE INC COM 00287Y109 221 1,631 SH   SOLE   0 0 1,631
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 212 12,059 SH   SOLE   0 0 12,059
ADVANCED MICRO DEVICES INC COM 007903107 359 2,494 SH   SOLE   0 0 2,494
ALLSTATE CORP COM 020002101 340 2,893 SH   SOLE   0 0 2,893
ALPHABET INC CAP STK CL A 02079K305 1,660 573 SH   SOLE   0 0 573
ALPHABET INC CAP STK CL C 02079K107 4,601 1,590 SH   SOLE   0 0 1,590
ALPHABET INC CAP STK CL A 02079K305 1,043 400 SH Put SOLE   0 0 400
ALPHABET INC CAP STK CL C 02079K107 3,382 1,300 SH Put SOLE   0 0 1,300
ALTRIA GROUP INC COM 02209S103 226 4,770 SH   SOLE   0 0 4,770
AMAZON COM INC COM 023135106 1,480 444 SH   SOLE   0 0 444
AMERICAN ELEC PWR CO INC COM 025537101 274 3,080 SH   SOLE   0 0 3,080
AMGEN INC COM 031162100 229 1,020 SH   SOLE   0 0 1,020
APPLE INC COM 037833100 8,151 45,904 SH   SOLE   0 0 45,904
ARK ETF TR INNOVATION ETF 00214Q104 1,107 11,708 SH   SOLE   0 0 11,708
ARK ETF TR NEXT GNRTN INTER 00214Q401 279 2,349 SH   SOLE   0 0 2,349
AT&T INC COM 00206R102 709 28,825 SH   SOLE   0 0 28,825
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 955 3,194 SH   SOLE   0 0 3,194
BK OF AMERICA CORP COM 060505104 1,409 31,676 SH   SOLE   0 0 31,676
BLACKSTONE INC COM 09260D107 482 3,725 SH   SOLE   0 0 3,725
BOSTON BEER INC CL A 100557107 303 600 SH   SOLE   0 0 600
BRISTOL-MYERS SQUIBB CO COM 110122108 683 10,955 SH   SOLE   0 0 10,955
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 203 13,463 SH   SOLE   0 0 13,463
CALIFORNIA WTR SVC GROUP COM 130788102 742 10,320 SH   SOLE   0 0 10,320
CAMECO CORP COM 13321L108 417 19,100 SH   SOLE   0 0 19,100
CARRIER GLOBAL CORPORATION COM 14448C104 202 3,721 SH   SOLE   0 0 3,721
CATERPILLAR INC COM 149123101 283 1,369 SH   SOLE   0 0 1,369
CHEVRON CORP NEW COM 166764100 250 2,129 SH   SOLE   0 0 2,129
CHURCH & DWIGHT CO INC COM 171340102 1,598 15,587 SH   SOLE   0 0 15,587
CISCO SYS INC COM 17275R102 369 5,822 SH   SOLE   0 0 5,822
COCA COLA CO COM 191216100 451 7,616 SH   SOLE   0 0 7,616
COLGATE PALMOLIVE CO COM 194162103 301 3,523 SH   SOLE   0 0 3,523
COMMERCIAL METALS CO COM 201723103 363 10,000 SH   SOLE   0 0 10,000
CONSOLIDATED EDISON INC COM 209115104 1,591 18,652 SH   SOLE   0 0 18,652
COSTCO WHSL CORP NEW COM 22160K105 764 1,345 SH   SOLE   0 0 1,345
CSX CORP COM 126408103 1,050 27,921 SH   SOLE   0 0 27,921
DEERE & CO COM 244199105 637 1,858 SH   SOLE   0 0 1,858
DISNEY WALT CO COM 254687106 255 1,647 SH   SOLE   0 0 1,647
DOCUSIGN INC COM 256163106 256 1,684 SH   SOLE   0 0 1,684
DOMINION ENERGY INC COM 25746U109 1,019 12,972 SH   SOLE   0 0 12,972
ESSEX PPTY TR INC COM 297178105 380 1,079 SH   SOLE   0 0 1,079
EXXON MOBIL CORP COM 30231G102 639 10,437 SH   SOLE   0 0 10,437
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 262 5,000 SH   SOLE   0 0 5,000
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 291 5,100 SH   SOLE   0 0 5,100
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 2,737 52,846 SH   SOLE   0 0 52,846
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 349 6,988 SH   SOLE   0 0 6,988
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 746 21,183 SH   SOLE   0 0 21,183
FIRST TR EXCHNG TRADED FD VI US EQT BUFFER 33740F763 1,565 40,690 SH   SOLE   0 0 40,690
FORD MTR CO DEL COM 345370860 322 15,483 SH   SOLE   0 0 15,483
FS KKR CAP CORP COM 302635206 216 10,311 SH   SOLE   0 0 10,311
GENERAL MLS INC COM 370334104 1,572 23,326 SH   SOLE   0 0 23,326
GOLDMAN SACHS ETF TR ACCESS HIG YLD 381430453 479 9,644 SH   SOLE   0 0 9,644
HIGHLAND GLOBAL ALLOCATION F COM 43010T104 706 77,805 SH   SOLE   0 0 77,805
HOME DEPOT INC COM 437076102 984 2,372 SH   SOLE   0 0 2,372
HORMEL FOODS CORP COM 440452100 910 18,634 SH   SOLE   0 0 18,634
HUBBELL INC COM 443510607 212 1,019 SH   SOLE   0 0 1,019
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 202 4,075 SH   SOLE   0 0 4,075
IDEXX LABS INC COM 45168D104 266 404 SH   SOLE   0 0 404
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 201 6,049 SH   SOLE   0 0 6,049
INTEL CORP COM 458140100 305 5,929 SH   SOLE   0 0 5,929
INTERNATIONAL BUSINESS MACHS COM 459200101 253 1,891 SH   SOLE   0 0 1,891
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 1,205 23,954 SH   SOLE   0 0 23,954
INVESCO EXCH TRADED FD TR II NASDAQNXTGEN100 46138G631 208 6,195 SH   SOLE   0 0 6,195
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 2,724 28,814 SH   SOLE   0 0 28,814
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 404 19,187 SH   SOLE   0 0 19,187
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 277 1,614 SH   SOLE   0 0 1,614
INVESCO QQQ TR UNIT SER 1 46090E103 5,478 13,768 SH   SOLE   0 0 13,768
ISHARES INC ESG AWR MSCI EM 46434G863 292 7,342 SH   SOLE   0 0 7,342
ISHARES INC CORE MSCI EMKT 46434G103 744 12,421 SH   SOLE   0 0 12,421
ISHARES TR RUS 1000 VAL ETF 464287598 501 2,985 SH   SOLE   0 0 2,985
ISHARES TR RUS 1000 GRW ETF 464287614 552 1,806 SH   SOLE   0 0 1,806
ISHARES TR CORE MSCI EAFE 46432F842 2,576 34,506 SH   SOLE   0 0 34,506
ISHARES TR 1 3 YR TREAS BD 464287457 302 3,530 SH   SOLE   0 0 3,530
ISHARES TR RUS MD CP GR ETF 464287481 311 2,701 SH   SOLE   0 0 2,701
ISHARES TR RUSSELL 2000 ETF 464287655 470 2,114 SH   SOLE   0 0 2,114
ISHARES TR MSCI USA MIN VOL 46429B697 1,783 22,041 SH   SOLE   0 0 22,041
ISHARES TR CORE S&P500 ETF 464287200 14,560 30,526 SH   SOLE   0 0 30,526
ISHARES TR MSCI EAFE MIN VL 46429B689 229 2,983 SH   SOLE   0 0 2,983
ISHARES TR CORE TOTAL USD 46434V613 745 14,081 SH   SOLE   0 0 14,081
ISHARES TR MSCI USA VALUE 46432F388 388 3,540 SH   SOLE   0 0 3,540
ISHARES TR TIPS BD ETF 464287176 2,434 18,840 SH   SOLE   0 0 18,840
ISHARES TR ISHS 1-5YR INVS 464288646 4,737 87,919 SH   SOLE   0 0 87,919
ISHARES TR GRWT ALLOCAT ETF 464289867 737 12,904 SH   SOLE   0 0 12,904
ISHARES TR BROAD USD HIGH 46435U853 822 19,965 SH   SOLE   0 0 19,965
ISHARES TR GLOBAL TECH ETF 464287291 312 4,847 SH   SOLE   0 0 4,847
ISHARES TR EAFE VALUE ETF 464288877 886 17,576 SH   SOLE   0 0 17,576
ISHARES TR US TREAS BD ETF 46429B267 573 21,464 SH   SOLE   0 0 21,464
ISHARES TR ISHARES BIOTECH 464287556 1,071 7,017 SH   SOLE   0 0 7,017
ISHARES TR CORE S&P SCP ETF 464287804 1,762 15,386 SH   SOLE   0 0 15,386
ISHARES TR 0-5YR HI YL CP 46434V407 1,355 29,905 SH   SOLE   0 0 29,905
ISHARES TR MSCI EAFE ETF 464287465 576 7,317 SH   SOLE   0 0 7,317
ISHARES TR RUS MDCP VAL ETF 464287473 500 4,084 SH   SOLE   0 0 4,084
ISHARES TR CORE S&P MCP ETF 464287507 2,592 9,157 SH   SOLE   0 0 9,157
ISHARES TR MSCI USA MMENTM 46432F396 843 4,638 SH   SOLE   0 0 4,638
ISHARES TR CRE U S REIT ETF 464288521 202 2,989 SH   SOLE   0 0 2,989
ISHARES TR AGGRES ALLOC ETF 464289859 1,529 20,998 SH   SOLE   0 0 20,998
ISHARES TR CORE S&P US GWT 464287671 1,911 16,526 SH   SOLE   0 0 16,526
ISHARES TR EAFE GRWTH ETF 464288885 855 7,755 SH   SOLE   0 0 7,755
ISHARES TR CORE US AGGBD ET 464287226 2,499 21,907 SH   SOLE   0 0 21,907
ISHARES TR MSCI USA SMCP MN 46435G433 565 14,453 SH   SOLE   0 0 14,453
ISHARES TR RESIDENTIAL MULT 464288562 711 7,238 SH   SOLE   0 0 7,238
ISHARES TR ESG AWR MSCI USA 46435G425 1,848 17,124 SH   SOLE   0 0 17,124
ISHARES TR MODERT ALLOC ETF 464289875 827 18,183 SH   SOLE   0 0 18,183
ISHARES TR CORE 1 5 YR USD 46432F859 380 7,526 SH   SOLE   0 0 7,526
ISHARES TR GLOBAL FINLS ETF 464287333 217 2,708 SH   SOLE   0 0 2,708
ISHARES TR CORE S&P US VLU 464287663 2,209 28,940 SH   SOLE   0 0 28,940
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,192 23,855 SH   SOLE   0 0 23,855
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 209 4,164 SH   SOLE   0 0 4,164
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,194 23,656 SH   SOLE   0 0 23,656
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 755 13,587 SH   SOLE   0 0 13,587
JOHNSON & JOHNSON COM 478160104 591 3,453 SH   SOLE   0 0 3,453
JPMORGAN CHASE & CO COM 46625H100 526 3,324 SH   SOLE   0 0 3,324
KELLOGG CO COM 487836108 620 9,623 SH   SOLE   0 0 9,623
KIMBERLY-CLARK CORP COM 494368103 1,421 9,941 SH   SOLE   0 0 9,941
KKR & CO INC COM 48251W104 235 3,155 SH   SOLE   0 0 3,155
KRANESHARES TR GLOBAL CARB STRA 500767678 419 8,225 SH   SOLE   0 0 8,225
LOWES COS INC COM 548661107 212 819 SH   SOLE   0 0 819
MAINSTAY MACKAY DEFINEDTERM COM 56064K100 341 15,674 SH   SOLE   0 0 15,674
MASTERCARD INCORPORATED CL A 57636Q104 1,819 5,061 SH   SOLE   0 0 5,061
MCCORMICK & CO INC COM NON VTG 579780206 446 4,616 SH   SOLE   0 0 4,616
MERCK & CO INC COM 58933Y105 236 3,081 SH   SOLE   0 0 3,081
META PLATFORMS INC CL A 30303M102 362 1,076 SH   SOLE   0 0 1,076
MICRON TECHNOLOGY INC COM 595112103 503 5,402 SH   SOLE   0 0 5,402
MICROSOFT CORP COM 594918104 2,438 7,248 SH   SOLE   0 0 7,248
NETFLIX INC COM 64110L106 364 604 SH   SOLE   0 0 604
NEW JERSEY RES CORP COM 646025106 248 6,050 SH   SOLE   0 0 6,050
NEXPOINT DIVERSIFIED REL ET COM NEW 65340G205 829 61,080 SH   SOLE   0 0 61,080
NEXTERA ENERGY INC COM 65339F101 628 6,732 SH   SOLE   0 0 6,732
NORFOLK SOUTHN CORP COM 655844108 304 1,020 SH   SOLE   0 0 1,020
NUVEEN CR STRATEGIES INCOME COM SHS 67073D102 85 13,044 SH   SOLE   0 0 13,044
NVIDIA CORPORATION COM 67066G104 682 2,320 SH   SOLE   0 0 2,320
OPKO HEALTH INC COM 68375N103 96 20,000 SH   SOLE   0 0 20,000
OSI ETF TR OSHARES US QUALT 67110P407 952 20,435 SH   SOLE   0 0 20,435
OTIS WORLDWIDE CORP COM 68902V107 393 4,519 SH   SOLE   0 0 4,519
PACER FDS TR TRENDP US LAR CP 69374H105 339 8,156 SH   SOLE   0 0 8,156
PEPSICO INC COM 713448108 589 3,390 SH   SOLE   0 0 3,390
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 110 10,017 SH   SOLE   0 0 10,017
PFIZER INC COM 717081103 725 12,272 SH   SOLE   0 0 12,272
PHILIP MORRIS INTL INC COM 718172109 229 2,413 SH   SOLE   0 0 2,413
PROCTER AND GAMBLE CO COM 742718109 398 2,434 SH   SOLE   0 0 2,434
PROSHARES TR S&P 500 DV ARIST 74348A467 334 3,405 SH   SOLE   0 0 3,405
PUBLIC STORAGE COM 74460D109 357 952 SH   SOLE   0 0 952
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 452 6,778 SH   SOLE   0 0 6,778
RAYTHEON TECHNOLOGIES CORP COM 75513E101 373 4,335 SH   SOLE   0 0 4,335
REALTY INCOME CORP COM 756109104 316 4,411 SH   SOLE   0 0 4,411
RINGCENTRAL INC CL A 76680R206 347 1,851 SH   SOLE   0 0 1,851
SALESFORCE COM INC COM 79466L302 406 1,599 SH   SOLE   0 0 1,599
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 423 3,739 SH   SOLE   0 0 3,739
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 385 3,760 SH   SOLE   0 0 3,760
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,242 44,271 SH   SOLE   0 0 44,271
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,902 37,395 SH   SOLE   0 0 37,395
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,794 35,382 SH   SOLE   0 0 35,382
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 295 1,697 SH   SOLE   0 0 1,697
SIRIUS XM HOLDINGS INC COM 82968B103 78 12,216 SH   SOLE   0 0 12,216
SOUTHERN CO COM 842587107 2,786 40,622 SH   SOLE   0 0 40,622
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 295 812 SH   SOLE   0 0 812
SPDR GOLD TR GOLD SHS 78463V107 707 4,133 SH   SOLE   0 0 4,133
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 205 3,621 SH   SOLE   0 0 3,621
SPDR S&P 500 ETF TR TR UNIT 78462F103 17,250 36,318 SH   SOLE   0 0 36,318
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,044 3,948 SH   SOLE   0 0 3,948
SPDR SER TR PORTFOLIO S&P500 78464A854 518 9,278 SH   SOLE   0 0 9,278
SPDR SER TR PORTFOLIO S&P400 78464A847 227 4,568 SH   SOLE   0 0 4,568
SPDR SER TR S&P DIVID ETF 78464A763 216 1,670 SH   SOLE   0 0 1,670
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,086 14,986 SH   SOLE   0 0 14,986
SPDR SER TR PORTFOLIO S&P600 78468R853 634 14,182 SH   SOLE   0 0 14,182
SPDR SER TR PRTFLO S&P500 HI 78468R788 250 5,955 SH   SOLE   0 0 5,955
STARBUCKS CORP COM 855244109 335 2,864 SH   SOLE   0 0 2,864
TARGET CORP COM 87612E106 411 1,776 SH   SOLE   0 0 1,776
TESLA INC COM 88160R101 224 212 SH   SOLE   0 0 212
TEXAS INSTRS INC COM 882508104 230 1,219 SH   SOLE   0 0 1,219
TRANE TECHNOLOGIES PLC SHS G8994E103 221 1,096 SH   SOLE   0 0 1,096
UNITED PARCEL SERVICE INC CL B 911312106 6,384 29,785 SH   SOLE   0 0 29,785
UNITEDHEALTH GROUP INC COM 91324P102 697 1,388 SH   SOLE   0 0 1,388
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,100 3,561 SH   SOLE   0 0 3,561
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 955 4,545 SH   SOLE   0 0 4,545
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 410 2,272 SH   SOLE   0 0 2,272
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,027 12,121 SH   SOLE   0 0 12,121
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,869 18,161 SH   SOLE   0 0 18,161
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,865 21,285 SH   SOLE   0 0 21,285
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,750 58,765 SH   SOLE   0 0 58,765
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 3,974 72,042 SH   SOLE   0 0 72,042
VANGUARD INDEX FDS SML CP GRW ETF 922908595 289 1,025 SH   SOLE   0 0 1,025
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,063 4,702 SH   SOLE   0 0 4,702
VANGUARD INDEX FDS MID CAP ETF 922908629 1,514 5,944 SH   SOLE   0 0 5,944
VANGUARD INDEX FDS TOTAL STK MKT 922908769 414 1,714 SH   SOLE   0 0 1,714
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,602 13,810 SH   SOLE   0 0 13,810
VANGUARD INDEX FDS GROWTH ETF 922908736 811 2,527 SH   SOLE   0 0 2,527
VANGUARD INDEX FDS VALUE ETF 922908744 758 5,153 SH   SOLE   0 0 5,153
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,177 16,439 SH   SOLE   0 0 16,439
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,095 22,143 SH   SOLE   0 0 22,143
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,287 102,859 SH   SOLE   0 0 102,859
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 734 13,367 SH   SOLE   0 0 13,367
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,571 29,734 SH   SOLE   0 0 29,734
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,502 18,480 SH   SOLE   0 0 18,480
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 413 4,450 SH   SOLE   0 0 4,450
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,569 20,782 SH   SOLE   0 0 20,782
VANGUARD STAR FDS VG TL INTL STK F 921909768 304 4,779 SH   SOLE   0 0 4,779
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,384 66,282 SH   SOLE   0 0 66,282
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 1,006 9,577 SH   SOLE   0 0 9,577
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,084 18,588 SH   SOLE   0 0 18,588
VANGUARD WORLD FD MEGA GRWTH IND 921910816 2,171 8,324 SH   SOLE   0 0 8,324
VANGUARD WORLD FDS UTILITIES ETF 92204A876 730 4,670 SH   SOLE   0 0 4,670
VERIZON COMMUNICATIONS INC COM 92343V104 453 8,714 SH   SOLE   0 0 8,714
VICTORY PORTFOLIOS II VICTORYSHS INTRM 92647N527 1,055 19,900 SH   SOLE   0 0 19,900
VISA INC COM CL A 92826C839 868 4,003 SH   SOLE   0 0 4,003
WALMART INC COM 931142103 224 1,552 SH   SOLE   0 0 1,552
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,503 28,402 SH   SOLE   0 0 28,402
WISDOMTREE TR EUROPE SMCP DV 97717W869 2,102 28,207 SH   SOLE   0 0 28,207
WP CAREY INC COM 92936U109 253 3,078 SH   SOLE   0 0 3,078