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
ABBOTT LABS COM 002824100 BBG001S5N9M6 255,672 2,691 SH   SOLE   0 0 2,691
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 477,844 3,354 SH   SOLE   0 0 3,354
ADOBE INC COM 00724F101 BBG001S5NCQ5 296,208 544 SH   SOLE   0 0 544
ALLEGION PLC ORD SHS G0176J109 BBG003PS7JW0 258,280 2,611 SH   SOLE   0 0 2,611
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 797,267 6,305 SH   SOLE   0 0 6,305
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,398,573 10,963 SH   SOLE   0 0 10,963
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,880,973 21,029 SH   SOLE   0 0 21,029
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 519,312 3,546 SH   SOLE   0 0 3,546
APPLE INC COM 037833100 BBG001S5N8V8 13,940,028 80,129 SH   SOLE   0 0 80,129
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 219,585 361 SH   SOLE   0 0 361
AT&T INC COM 00206R102 BBG001S5VWH2 433,787 27,843 SH   SOLE   0 0 27,843
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 779,486 29,526 SH   SOLE   0 0 29,526
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 408,078 1,608 SH   SOLE   0 0 1,608
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,005,448 5,834 SH   SOLE   0 0 5,834
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 489,856 8,456 SH   SOLE   0 0 8,456
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 BBG001S5PKX7 235,754 23,342 SH   SOLE   0 0 23,342
BLACKROCK MUNIYIELD N Y QUAL COM 09255E102 BBG001S6TRK0 133,207 15,276 SH   SOLE   0 0 15,276
BOEING CO COM 097023105 BBG001S5P0V3 465,117 2,456 SH   SOLE   0 0 2,456
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 333,155 6,449 SH   SOLE   0 0 6,449
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 409,830 7,992 SH   SOLE   0 0 7,992
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 BBG004K1ZMP2 5,292,089 88,958 SH   SOLE   0 0 88,958
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 385,615 18,104 SH   SOLE   0 0 18,104
CATERPILLAR INC COM 149123101 BBG001S5PJ06 386,229 1,666 SH   SOLE   0 0 1,666
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 366,573 2,546 SH   SOLE   0 0 2,546
CISCO SYS INC COM 17275R102 BBG001S6HC62 552,118 10,579 SH   SOLE   0 0 10,579
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 354,143 8,943 SH   SOLE   0 0 8,943
COCA COLA CO COM 191216100 BBG001S5SMQ8 446,271 7,907 SH   SOLE   0 0 7,907
COHEN & STEERS QUALITY INCOM COM 19247L106 BBG001SG5559 174,452 17,765 SH   SOLE   0 0 17,765
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 3,541,109 132,279 SH   SOLE   0 0 132,279
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 703,831 16,830 SH   SOLE   0 0 16,830
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 409,745 3,512 SH   SOLE   0 0 3,512
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 517,341 5,802 SH   SOLE   0 0 5,802
CUMMINS INC COM 231021106 BBG001S5Q9M3 237,893 1,091 SH   SOLE   0 0 1,091
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 464,134 6,753 SH   SOLE   0 0 6,753
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 413,060 2,174 SH   SOLE   0 0 2,174
DEERE & CO COM 244199105 BBG001S5QFF7 873,595 2,358 SH   SOLE   0 0 2,358
DIAGEO PLC SPON ADR NEW 25243Q205 BBG001S7V596 237,961 1,541 SH   SOLE   0 0 1,541
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 325,869 8,161 SH   SOLE   0 0 8,161
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 3,313,332 144,687 SH   SOLE   0 0 144,687
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,566,381 71,459 SH   SOLE   0 0 71,459
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,757,186 55,997 SH   SOLE   0 0 55,997
DISNEY WALT CO COM 254687106 BBG001S5QHF3 629,112 7,760 SH   SOLE   0 0 7,760
DOW INC COM 260557103 BBG00BN96931 205,519 4,263 SH   SOLE   0 0 4,263
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 244,802 2,734 SH   SOLE   0 0 2,734
EATON CORP PLC SHS G29183103 BBG001S5QZ45 464,033 2,160 SH   SOLE   0 0 2,160
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,578,548 2,847 SH   SOLE   0 0 2,847
EOG RES INC COM 26875P101 BBG001S5ZB93 277,383 2,233 SH   SOLE   0 0 2,233
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,147,027 20,324 SH   SOLE   0 0 20,324
FEDEX CORP COM 31428X106 BBG001S5R3M5 203,584 837 SH   SOLE   0 0 837
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 338,322 7,857 SH   SOLE   0 0 7,857
FIFTH THIRD BANCORP COM 316773100 BBG001S5R6S2 203,177 8,591 SH   SOLE   0 0 8,591
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 290,815 8,067 SH   SOLE   0 0 8,067
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 320,650 9,512 SH   SOLE   0 0 9,512
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 672,029 6,266 SH   SOLE   0 0 6,266
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 289,382 16,050 SH   SOLE   0 0 16,050
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 215,933 703 SH   SOLE   0 0 703
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,307,606 4,562 SH   SOLE   0 0 4,562
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 672,299 3,654 SH   SOLE   0 0 3,654
INGERSOLL RAND INC COM 45687V106 BBG002R1CW36 1,020,603 16,464 SH   SOLE   0 0 16,464
INTEL CORP COM 458140100 BBG001S5SF65 494,391 13,258 SH   SOLE   0 0 13,258
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 377,168 2,594 SH   SOLE   0 0 2,594
INTUIT COM 461202103 BBG001S6TWR2 480,854 983 SH   SOLE   0 0 983
INVESCO EXCH TRADED FD TR II FNDMNTL IG CRP 46138E693 BBG0022HSYN5 552,230 24,549 SH   SOLE   0 0 24,549
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 2,842,547 66,852 SH   SOLE   0 0 66,852
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 190,769 10,948 SH   SOLE   0 0 10,948
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 1,223,914 47,959 SH   SOLE   0 0 47,959
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300 BBG00GBGVB98 3,768,903 110,525 SH   SOLE   0 0 110,525
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 BBG001SS5KV1 996,535 11,506 SH   SOLE   0 0 11,506
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 10,027,087 321,381 SH   SOLE   0 0 321,381
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 BBG001SLKDX3 1,048,805 64,265 SH   SOLE   0 0 64,265
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 3,415,519 38,694 SH   SOLE   0 0 38,694
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 BBG001SS30K9 517,933 6,683 SH   SOLE   0 0 6,683
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 10,479,202 76,889 SH   SOLE   0 0 76,889
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 BBG00KJR2X19 2,030,680 29,018 SH   SOLE   0 0 29,018
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 307,608 6,279 SH   SOLE   0 0 6,279
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 797,806 2,235 SH   SOLE   0 0 2,235
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 257,845 5,557 SH   SOLE   0 0 5,557
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 396,385 8,111 SH   SOLE   0 0 8,111
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 266,027 4,436 SH   SOLE   0 0 4,436
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,477,628 15,227 SH   SOLE   0 0 15,227
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 359,406 7,497 SH   SOLE   0 0 7,497
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 227,311 2,807 SH   SOLE   0 0 2,807
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 229,654 4,741 SH   SOLE   0 0 4,741
ISHARES TR CORE DIVID ETF 46435U861 BBG00J5M0G99 1,405,619 38,765 SH   SOLE   0 0 38,765
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 736,524 11,702 SH   SOLE   0 0 11,702
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 510,152 8,728 SH   SOLE   0 0 8,728
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,070,941 12,933 SH   SOLE   0 0 12,933
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,096,116 23,478 SH   SOLE   0 0 23,478
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 4,506,798 61,134 SH   SOLE   0 0 61,134
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 7,488,118 17,639 SH   SOLE   0 0 17,639
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 2,500,345 29,447 SH   SOLE   0 0 29,447
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 886,422 16,397 SH   SOLE   0 0 16,397
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 982,384 20,621 SH   SOLE   0 0 20,621
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 3,311,351 134,827 SH   SOLE   0 0 134,827
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 495,563 9,786 SH   SOLE   0 0 9,786
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 319,301 3,186 SH   SOLE   0 0 3,186
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 263,111 9,271 SH   SOLE   0 0 9,271
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 5,573,729 116,071 SH   SOLE   0 0 116,071
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 425,205 11,746 SH   SOLE   0 0 11,746
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 654,087 9,683 SH   SOLE   0 0 9,683
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 1,301,568 20,145 SH   SOLE   0 0 20,145
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 1,477,757 44,551 SH   SOLE   0 0 44,551
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,327,512 25,366 SH   SOLE   0 0 25,366
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,931,258 28,965 SH   SOLE   0 0 28,965
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 408,411 8,105 SH   SOLE   0 0 8,105
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,969,906 12,819 SH   SOLE   0 0 12,819
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 7,497,508 28,166 SH   SOLE   0 0 28,166
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 8,721,516 59,278 SH   SOLE   0 0 59,278
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 247,480 2,481 SH   SOLE   0 0 2,481
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 205,680 2,000 SH   SOLE   0 0 2,000
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 299,979 1,813 SH   SOLE   0 0 1,813
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,193,120 17,663 SH   SOLE   0 0 17,663
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 224,869 1,476 SH   SOLE   0 0 1,476
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 645,202 9,317 SH   SOLE   0 0 9,317
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 1,566,394 16,433 SH   SOLE   0 0 16,433
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 337,463 3,229 SH   SOLE   0 0 3,229
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 376,024 3,572 SH   SOLE   0 0 3,572
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 430,290 5,121 SH   SOLE   0 0 5,121
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 469,982 8,913 SH   SOLE   0 0 8,913
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 7,956,074 187,599 SH   SOLE   0 0 187,599
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209 BBG00C9Y3BD7 1,763,733 31,917 SH   SOLE   0 0 31,917
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,000,386 6,728 SH   SOLE   0 0 6,728
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,189,059 8,558 SH   SOLE   0 0 8,558
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 39,478 20,455 SH   SOLE   0 0 20,455
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 517,975 1,145 SH   SOLE   0 0 1,145
LOWES COS INC COM 548661107 BBG001S5SVL3 781,037 4,083 SH   SOLE   0 0 4,083
M & T BK CORP COM 55261F104 BBG001S7S2B4 201,946 1,801 SH   SOLE   0 0 1,801
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 209,498 4,392 SH   SOLE   0 0 4,392
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 378,576 1,002 SH   SOLE   0 0 1,002
MCDONALDS CORP COM 580135101 BBG001S5T110 250,967 958 SH   SOLE   0 0 958
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,469,212 14,285 SH   SOLE   0 0 14,285
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 770,270 2,470 SH   SOLE   0 0 2,470
MICROSOFT CORP COM 594918104 BBG001S5TD05 5,950,328 17,194 SH   SOLE   0 0 17,194
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 372,187 5,570 SH   SOLE   0 0 5,570
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 564,407 7,955 SH   SOLE   0 0 7,955
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 425,078 7,275 SH   SOLE   0 0 7,275
NIKE INC CL B 654106103 BBG001S6NTK2 413,718 4,101 SH   SOLE   0 0 4,101
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 414,044 2,177 SH   SOLE   0 0 2,177
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 210,500 2,155 SH   SOLE   0 0 2,155
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 537,167 55,321 SH   SOLE   0 0 55,321
NUVEEN MUN VALUE FD INC COM 670928100 BBG001S5TS84 595,505 73,610 SH   SOLE   0 0 73,610
NUVEEN N Y MUN VALUE FD COM 67062M105 BBG001S5TNX7 368,168 47,752 SH   SOLE   0 0 47,752
NUVEEN N Y SELECT TAX FREE I SH BEN INT 67063V104 BBG001S72H47 414,647 37,322 SH   SOLE   0 0 37,322
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 BBG001SHM0F8 292,563 28,267 SH   SOLE   0 0 28,267
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 BBG001S70MD8 167,959 12,638 SH   SOLE   0 0 12,638
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,383,321 3,268 SH   SOLE   0 0 3,268
ORACLE CORP COM 68389X105 BBG001S5SJG6 2,099,772 19,856 SH   SOLE   0 0 19,856
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 249,476 6,226 SH   SOLE   0 0 6,226
PEPSICO INC COM 713448108 BBG001S695T1 733,351 4,448 SH   SOLE   0 0 4,448
PFIZER INC COM 717081103 BBG001S5V466 1,283,342 42,063 SH   SOLE   0 0 42,063
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 546,023 11,033 SH   SOLE   0 0 11,033
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 397,904 3,507 SH   SOLE   0 0 3,507
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 636,740 4,256 SH   SOLE   0 0 4,256
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 3,497,235 40,846 SH   SOLE   0 0 40,846
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 293,623 4,707 SH   SOLE   0 0 4,707
QUALCOMM INC COM 747525103 BBG001S6VS70 474,831 4,282 SH   SOLE   0 0 4,282
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 327,368 3,985 SH   SOLE   0 0 3,985
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 3,453,042 111,066 SH   SOLE   0 0 111,066
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 503,969 7,395 SH   SOLE   0 0 7,395
SEALED AIR CORP NEW COM 81211K100 BBG001SBSZ95 689,770 22,660 SH   SOLE   0 0 22,660
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 564,113 17,320 SH   SOLE   0 0 17,320
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 320,315 3,246 SH   SOLE   0 0 3,246
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 245,942 3,628 SH   SOLE   0 0 3,628
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 527,620 3,156 SH   SOLE   0 0 3,156
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 200,355 3,064 SH   SOLE   0 0 3,064
SOUTHERN CO COM 842587107 BBG001S5W777 299,091 4,371 SH   SOLE   0 0 4,371
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,544,822 3,655 SH   SOLE   0 0 3,655
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 2,228,505 5,123 SH   SOLE   0 0 5,123
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 706,571 15,264 SH   SOLE   0 0 15,264
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 1,012,815 43,637 SH   SOLE   0 0 43,637
SPDR SER TR PORTFOLIO CRPORT 78464A144 BBG001V10544 1,867,530 68,735 SH   SOLE   0 0 68,735
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 252,551 8,092 SH   SOLE   0 0 8,092
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 2,561,556 73,313 SH   SOLE   0 0 73,313
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 1,227,984 41,968 SH   SOLE   0 0 41,968
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 4,431,474 75,687 SH   SOLE   0 0 75,687
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 3,523,331 86,145 SH   SOLE   0 0 86,145
STRYKER CORPORATION COM 863667101 BBG001S8FR03 472,007 1,735 SH   SOLE   0 0 1,735
TEMPLETON EMERGING MKTS INCO COM 880192109 BBG001S5WMJ1 64,960 14,000 SH   SOLE   0 0 14,000
TESLA INC COM 88160R101 BBG001SQKGD7 299,030 1,454 SH   SOLE   0 0 1,454
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 341,898 1,105 SH   SOLE   0 0 1,105
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 204,234 463 SH   SOLE   0 0 463
TJX COS INC NEW COM 872540109 BBG001S5WQ93 409,303 4,648 SH   SOLE   0 0 4,648
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 252,042 4,508 SH   SOLE   0 0 4,508
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 2,828,235 13,247 SH   SOLE   0 0 13,247
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 291,427 6,173 SH   SOLE   0 0 6,173
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 472,943 3,383 SH   SOLE   0 0 3,383
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,251,386 2,354 SH   SOLE   0 0 2,354
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 87,536 11,295 SH   SOLE   0 0 11,295
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 385,002 14,323 SH   SOLE   0 0 14,323
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 220,544 4,611 SH   SOLE   0 0 4,611
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 393,166 15,664 SH   SOLE   0 0 15,664
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 BBG005T08310 1,637,317 76,528 SH   SOLE   0 0 76,528
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 BBG001TC6MT3 235,021 2,616 SH   SOLE   0 0 2,616
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 1,162,116 14,042 SH   SOLE   0 0 14,042
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,282,283 17,924 SH   SOLE   0 0 17,924
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 216,432 2,880 SH   SOLE   0 0 2,880
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 718,216 2,644 SH   SOLE   0 0 2,644
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 565,352 2,919 SH   SOLE   0 0 2,919
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 276,646 2,179 SH   SOLE   0 0 2,179
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 465,577 2,337 SH   SOLE   0 0 2,337
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 5,042,597 12,983 SH   SOLE   0 0 12,983
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,433,135 9,381 SH   SOLE   0 0 9,381
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 9,201,363 68,229 SH   SOLE   0 0 68,229
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 449,901 4,421 SH   SOLE   0 0 4,421
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 731,091 15,463 SH   SOLE   0 0 15,463
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,085,795 43,893 SH   SOLE   0 0 43,893
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 4,214,435 56,170 SH   SOLE   0 0 56,170
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 384,097 2,497 SH   SOLE   0 0 2,497
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,087,061 25,476 SH   SOLE   0 0 25,476
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,779,523 25,220 SH   SOLE   0 0 25,220
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 2,080,727 9,116 SH   SOLE   0 0 9,116
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 358,989 972 SH   SOLE   0 0 972
VISA INC COM CL A 92826C839 BBG001SRCFY3 616,491 2,584 SH   SOLE   0 0 2,584
WALMART INC COM 931142103 BBG001S5XH92 511,756 3,104 SH   SOLE   0 0 3,104
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 540,835 13,654 SH   SOLE   0 0 13,654
WISDOMTREE TR GLB US QTLY DIV 97717W844 BBG001SHL791 2,611,389 80,227 SH   SOLE   0 0 80,227
WISDOMTREE TR ITL HIGH DIV FD 97717W802 BBG001SHLHN3 1,408,238 39,837 SH   SOLE   0 0 39,837
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 3,177,072 66,189 SH   SOLE   0 0 66,189