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
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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
ABRDN ASIA PACIFIC INCOME FU COM 003009107   129,147 48,551 SH   SOLE   0 0 48,551
ABRDN INCOME CREDIT STRATEGI COM 003057106   272,230 40,814 SH   SOLE   0 0 40,814
APOLLO SR FLOATING RATE FD I COM 037636107   143,069 11,328 SH   SOLE   0 0 11,328
APPLE INC COM 037833100   3,636,695 22,054 SH   SOLE   0 0 22,054
BLACKROCK FLOATING RATE INC COM 091941104   1,360,757 121,388 SH   SOLE   0 0 121,388
BLACKROCK CR ALLOCATION INCO COM 092508100   133,391 12,963 SH   SOLE   0 0 12,963
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108   144,307 13,717 SH   SOLE   0 0 13,717
COMMUNITY BK SYS INC COM 203607106   255,889 4,875 SH   SOLE   0 0 4,875
DWS MUN INCOME TR COM 233368109   1,335,527 150,059 SH   SOLE   0 0 150,059
DOUBLELINE OPPORTUNISTIC CR COM 258623107   212,430 14,981 SH   SOLE   0 0 14,981
EATON VANCE FLTING RATE INC COM 278279104   371,553 32,281 SH   SOLE   0 0 32,281
HANCOCK JOHN INCOME SECS TR COM 410123103   267,523 24,498 SH   SOLE   0 0 24,498
ISHARES TR DOW JONES US ETF 464287846   232,260 2,321 SH   SOLE   0 0 2,321
ISHARES TR PFD AND INCM SEC 464288687   327,273 10,483 SH   SOLE   0 0 10,483
MFS MUN INCOME TR SH BEN INT 552738106   537,001 100,562 SH   SOLE   0 0 100,562
NUVEEN MUN CR OPPORTUNITIES COM 670663103   440,811 38,634 SH   SOLE   0 0 38,634
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   479,652 34,833 SH   SOLE   0 0 34,833
NUVEEN MUN VALUE FD INC COM 670928100   379,323 43,056 SH   SOLE   0 0 43,056
PIONEER MUNICIPAL HIGH INCOM COM 723762100   292,981 35,599 SH   SOLE   0 0 35,599
PUTNAM MANAGED MUN INCOME TR COM 746823103   598,154 97,578 SH   SOLE   0 0 97,578
PUTNAM MASTER INTER INCOME T SH BEN INT 746909100   40,666 12,788 SH   SOLE   0 0 12,788
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103   5,021,998 484,749 SH   SOLE   0 0 484,749
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   614,731 3,991 SH   SOLE   0 0 3,991
VANGUARD STAR FDS VG TL INTL STK F 921909768   699,342 12,667 SH   SOLE   0 0 12,667
VANGUARD WELLINGTON FD US QUALITY 921935706   243,329 2,246 SH   SOLE   0 0 2,246
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   255,654 2,636 SH   SOLE   0 0 2,636
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   301,809 3,277 SH   SOLE   0 0 3,277
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   281,130 6,959 SH   SOLE   0 0 6,959
VANGUARD INDEX FDS SM CP VAL ETF 922908611   312,431 1,968 SH   SOLE   0 0 1,968
VANGUARD INDEX FDS TOTAL STK MKT 922908769   908,609 4,452 SH   SOLE   0 0 4,452
WESTERN ASSET INTER MUNI FD COM 958435109   196,939 24,908 SH   SOLE   0 0 24,908
BLACKROCK CORE BD TR SHS BEN INT 09249E101   687,572 63,429 SH   SOLE   0 0 63,429
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102   1,048,923 89,652 SH   SOLE   0 0 89,652
BLACKROCK MUNIYIELD N Y QUAL COM 09255E102   116,725 11,500 SH   SOLE   0 0 11,500
MFS HIGH YIELD MUN TR SH BEN INT 59318E102   477,652 148,801 SH   SOLE   0 0 148,801
BLACKROCK MUNIYIELD QUALITY COM 09254E103   2,547,348 224,634 SH   SOLE   0 0 224,634
INVESCO ADVANTAGE MUN INCOME SH BEN INT 46132E103   867,998 97,418 SH   SOLE   0 0 97,418
NUVEEN MASSACHUSETS QLT MUN COM 67061E104   479,049 45,023 SH   SOLE   0 0 45,023
PIMCO NEW YORK MUN INCOME FD COM 72200T103   80,419 12,449 SH   SOLE   0 0 12,449
HIGHLAND INCOME FD HIGHLAND INCOME 43010E404   271,406 30,877 SH   SOLE   0 0 30,877
AT&T INC COM 00206R102   213,426 11,087 SH   SOLE   0 0 11,087
ADVENT CONV & INCOME FD COM 00764C109   128,060 11,078 SH   SOLE   0 0 11,078
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106   566,950 51,776 SH   SOLE   0 0 51,776
BNY MELLON STRATEGIC MUNS IN COM 05588W108   238,130 38,162 SH   SOLE   0 0 38,162
BNY MELLON MUN INCOME INC COM 05589T104   234,069 36,066 SH   SOLE   0 0 36,066
BLACKROCK INVT QUALITY MUN T COM 09247D105   265,352 21,984 SH   SOLE   0 0 21,984
BLACKROCK INCOME TR INC COM NEW 09247F209   3,918,821 311,265 SH   SOLE   0 0 311,265
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   1,079,375 105,717 SH   SOLE   0 0 105,717
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   264,320 14,750 SH   SOLE   0 0 14,750
BLACKROCK MUNI INCOME TR II COM 09249N101   972,503 90,634 SH   SOLE   0 0 90,634
BLACKROCK LONG-TERM MUN ADVA COM 09250B103   480,151 48,256 SH   SOLE   0 0 48,256
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,478,884 205,717 SH   SOLE   0 0 205,717
BLACKROCK MUNIVEST FD INC COM 09253R105   1,152,587 166,559 SH   SOLE   0 0 166,559
BLACKROCK MUNIVEST FD II INC COM 09253T101   435,488 40,511 SH   SOLE   0 0 40,511
BLACKROCK MUNICIPAL INCOME COM 09253X102   1,247,315 106,791 SH   SOLE   0 0 106,791
BLACKROCK MUNIHOLDINGS QUALI COM 09254C107   173,692 17,300 SH   SOLE   0 0 17,300
BLACKROCK MUNIYILD QULT FD I COM 09254F100   2,382,934 201,261 SH   SOLE   0 0 201,261
BLACKROCK MUNIYIELD QUALITY COM 09254G108   166,704 16,076 SH   SOLE   0 0 16,076
BLACKROCK MUNIASSETS FD INC COM 09254J102   865,598 82,203 SH   SOLE   0 0 82,203
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107   891,242 80,582 SH   SOLE   0 0 80,582
BLACKROCK MUNIYIELD MICH QU COM 09254V105   593,121 53,005 SH   SOLE   0 0 53,005
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   466,809 40,769 SH   SOLE   0 0 40,769
BLACKROCK MUNIHLDGS NY QLTY COM 09255C106   139,340 13,096 SH   SOLE   0 0 13,096
BLACKROCK CORPOR HI YLD FD I COM 09255P107   640,647 73,469 SH   SOLE   0 0 73,469
BLACKROCK DEBT STRATEGIES FD COM NEW 09255R202   520,591 54,741 SH   SOLE   0 0 54,741
BLACKROCK FLOATING RATE INCO COM 09255X100   809,819 69,215 SH   SOLE   0 0 69,215
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105   200,552 9,234 SH   SOLE   0 0 9,234
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105   56,427 26,003 SH   SOLE   0 0 26,003
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   220,989 19,067 SH   SOLE   0 0 19,067
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108   194,731 17,833 SH   SOLE   0 0 17,833
CREDIT SUISSE HIGH YIELD BD SH BEN INT 22544F103   47,936 25,363 SH   SOLE   0 0 25,363
DTF TAX-FREE INCOME 2028 TER COM 23334J107   156,550 14,132 SH   SOLE   0 0 14,132
DWS STRATEGIC MUN INCOME TR COM 23342Q101   283,171 33,393 SH   SOLE   0 0 33,393
DELAWARE INVTS NATL MUN INCO SH BEN INT 24610T108   268,768 25,189 SH   SOLE   0 0 25,189
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   2,017,505 70,125 SH   SOLE   0 0 70,125
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   647,410 24,023 SH   SOLE   0 0 24,023
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,292,530 29,046 SH   SOLE   0 0 29,046
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,877,295 309,156 SH   SOLE   0 0 309,156
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,519,068 75,241 SH   SOLE   0 0 75,241
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   666,552 26,737 SH   SOLE   0 0 26,737
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,822,565 79,036 SH   SOLE   0 0 79,036
EATON VANCE CALIF MUN INCOM SH BEN INT 27826F101   207,118 20,246 SH   SOLE   0 0 20,246
EATON VANCE SR INCOME TR SH BEN INT 27826S103   105,915 19,797 SH   SOLE   0 0 19,797
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   4,464,422 440,713 SH   SOLE   0 0 440,713
EATON VANCE MUN BD FD COM 27827X101   1,730,649 166,409 SH   SOLE   0 0 166,409
EATON VANCE NEW YORK MUN BD COM 27827Y109   599,193 61,645 SH   SOLE   0 0 61,645
EATON VANCE CALIF MUN BD FD COM 27828A100   348,380 38,623 SH   SOLE   0 0 38,623
EATON VANCE LTD DURATION INC COM 27828H105   862,294 87,543 SH   SOLE   0 0 87,543
EATON VANCE SHORT DURATION D COM 27828V104   272,339 26,061 SH   SOLE   0 0 26,061
EATON VANCE NATL MUN OPPORT COM SHS 27829L105   1,692,530 95,786 SH   SOLE   0 0 95,786
EATON VANCE MUN INCOME 2028 SHS 27829U105   365,882 20,567 SH   SOLE   0 0 20,567
EVERSOURCE ENERGY COM 30040W108   303,703 3,881 SH   SOLE   0 0 3,881
EXXON MOBIL CORP COM 30231G102   1,877,937 17,125 SH   SOLE   0 0 17,125
HIGH INCOME SECS FD SHS BEN INT 42968F108   195,602 30,093 SH   SOLE   0 0 30,093
INVESCO HIGH INCOME TR II COM 46131F101   790,291 75,266 SH   SOLE   0 0 75,266
INVESCO SR INCOME TR COM 46131H107   216,126 58,730 SH   SOLE   0 0 58,730
INVESCO MUNICIPAL TRUST COM 46131J103   350,700 35,353 SH   SOLE   0 0 35,353
INVESCO TR INVT GRADE MUNS COM 46131M106   371,358 37,360 SH   SOLE   0 0 37,360
INVESCO MUN OPPORTUNITY TR COM 46132C107   510,606 52,050 SH   SOLE   0 0 52,050
INVESCO BD FD COM 46132L107   301,977 19,596 SH   SOLE   0 0 19,596
INVESCO MUNI INCOME OPP TRST COM 46132X101   469,497 70,707 SH   SOLE   0 0 70,707
INVESCO QUALITY MUN INCOME T COM 46133G107   145,929 14,622 SH   SOLE   0 0 14,622
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   860,522 3,118 SH   SOLE   0 0 3,118
MFS INVT GRADE MUN TR SH BEN INT 59318B108   501,584 67,873 SH   SOLE   0 0 67,873
MFS HIGH INCOME MUN TR SH BEN INT 59318D104   494,734 135,544 SH   SOLE   0 0 135,544
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101   1,870,394 168,201 SH   SOLE   0 0 168,201
NEUBERGER BERMAN N Y MUN FD COM 64124K102   106,768 11,099 SH   SOLE   0 0 11,099
NEUBERGER BERMAN MUN FD INC COM 64124P101   230,782 21,076 SH   SOLE   0 0 21,076
NEUBERGER BERMAN HIGH YIELD COM 64128C106   491,742 57,716 SH   SOLE   0 0 57,716
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   741,132 84,124 SH   SOLE   0 0 84,124
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   1,612,343 112,673 SH   SOLE   0 0 112,673
NUVEEN N Y MUN VALUE FD COM 67062M105   274,035 31,408 SH   SOLE   0 0 31,408
NUVEEN QUALITY MUNCP INCOME COM 67066V101   309,336 26,829 SH   SOLE   0 0 26,829
NUVEEN CA QUALTY MUN INCOME COM 67066Y105   132,076 11,996 SH   SOLE   0 0 11,996
NUVEEN FLOATING RATE INCOME COM SHS 6706EN100   101,582 12,666 SH   SOLE   0 0 12,666
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   133,879 11,203 SH   SOLE   0 0 11,203
NUVEEN AMT FREE MUN CR INC F COM 67071L106   2,210,281 187,630 SH   SOLE   0 0 187,630
NUVEEN PFD & INCOME SECS FD COM 67072C105   270,513 41,875 SH   SOLE   0 0 41,875
NUVEEN FLOATING RATE INCOME COM 67072T108   930,980 113,534 SH   SOLE   0 0 113,534
NUVEEN PFD & INCOME OPPORTUN COM 67073B106   414,064 62,928 SH   SOLE   0 0 62,928
NUVEEN REAL ASSET INCOME & G COM 67074Y105   142,031 12,098 SH   SOLE   0 0 12,098
PGIM GLOBAL HIGH YIELD FD FO COM 69346J106   456,485 41,612 SH   SOLE   0 0 41,612
PIMCO CALIF MUN INCOME FD COM 72200N106   150,172 14,898 SH   SOLE   0 0 14,898
PIMCO MUN INCOME FD COM 72200R107   211,862 21,293 SH   SOLE   0 0 21,293
PIMCO NEW YORK MUN INCOME FD COM 72200T103   424,050 47,169 SH   SOLE   0 0 47,169
PIMCO NEW YORK MUN FD II COM 72200Y102   477,078 61,718 SH   SOLE   0 0 61,718
PIMCO MUN INCOME FD III COM 72201A103   361,695 43,525 SH   SOLE   0 0 43,525
PIMCO CALIF MUN INCOME FD II COM 72201C109   81,790 10,540 SH   SOLE   0 0 10,540
PIMCO DYNAMIC INCOME FD SHS 72201Y101   317,802 17,636 SH   SOLE   0 0 17,636
PIONEER FLOATING RATE FUND I COM 72369J102   285,769 32,847 SH   SOLE   0 0 32,847
RIVERNORTH MANAGED DUR MUN I COM 76882H105   163,459 10,847 SH   SOLE   0 0 10,847
SPDR SER TR S&P BIOTECH 78464A870   506,339 6,644 SH   SOLE   0 0 6,644
VERTICAL CAP INCOME FD SHS BEN INT 92535C104   202,837 20,677 SH   SOLE   0 0 20,677
VIRTUS CONVERTIBLE & INCOME COM 92838X102   121,645 36,204 SH   SOLE   0 0 36,204
WESTERN ASSET MANAGED MUNS F COM 95766M105   296,703 28,862 SH   SOLE   0 0 28,862
WESTERN ASSET MUN HIGH INCOM COM 95766N103   462,155 69,289 SH   SOLE   0 0 69,289
WESTERN ASSET MUN PARTNERS F COM 95766P108   831,116 68,687 SH   SOLE   0 0 68,687
WESTERN ASST INFLTN LKD INM COM SH BEN INT 95766Q106   106,375 12,298 SH   SOLE   0 0 12,298