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 310,140 2,716 SH   SOLE   0 0 2,716
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 653,456 3,951 SH   SOLE   0 0 3,951
ACADEMY SPORTS & OUTDOORS IN COM 00402L107 BBG00X7L1CW0 264,881 4,028 SH   SOLE   0 0 4,028
ADOBE INC COM 00724F101 BBG001S5NCQ5 328,353 544 SH   SOLE   0 0 544
ALLEGION PLC ORD SHS G0176J109 BBG003PS7JW0 327,393 2,611 SH   SOLE   0 0 2,611
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,036,529 7,100 SH   SOLE   0 0 7,100
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,597,658 10,816 SH   SOLE   0 0 10,816
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,431,473 22,170 SH   SOLE   0 0 22,170
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 388,614 8,905 SH   SOLE   0 0 8,905
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 680,652 3,679 SH   SOLE   0 0 3,679
APPLE INC COM 037833100 BBG001S5N8V8 15,264,422 78,727 SH   SOLE   0 0 78,727
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 233,096 1,385 SH   SOLE   0 0 1,385
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 279,838 365 SH   SOLE   0 0 365
AT&T INC COM 00206R102 BBG001S5VWH2 516,930 30,770 SH   SOLE   0 0 30,770
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,001,010 30,753 SH   SOLE   0 0 30,753
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 333,548 1,414 SH   SOLE   0 0 1,414
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,195,489 5,965 SH   SOLE   0 0 5,965
BHP GROUP LTD SPONSORED ADS 088606108 BBG001S5P5K4 559,657 9,309 SH   SOLE   0 0 9,309
BLACKBERRY LTD COM 09228F103 BBG001S60618 107,280 29,800 SH   SOLE   0 0 29,800
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 BBG001S5PKX7 267,104 23,492 SH   SOLE   0 0 23,492
BLACKROCK MUNIYIELD N Y QUAL COM 09255E102 BBG001S6TRK0 155,082 15,276 SH   SOLE   0 0 15,276
BOEING CO COM 097023105 BBG001S5P0V3 570,854 2,656 SH   SOLE   0 0 2,656
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 424,330 6,986 SH   SOLE   0 0 6,986
BROADCOM INC COM 11135F101 BBG00KHY5SY8 294,141 241 SH   SOLE   0 0 241
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 BBG004K1ZMP2 6,344,050 94,279 SH   SOLE   0 0 94,279
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 BBG014YZRRT5 275,928 12,220 SH   SOLE   0 0 12,220
CATERPILLAR INC COM 149123101 BBG001S5PJ06 502,574 1,741 SH   SOLE   0 0 1,741
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 373,039 2,618 SH   SOLE   0 0 2,618
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 241,390 1,010 SH   SOLE   0 0 1,010
CISCO SYS INC COM 17275R102 BBG001S6HC62 500,332 9,702 SH   SOLE   0 0 9,702
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 552,495 10,456 SH   SOLE   0 0 10,456
COCA COLA CO COM 191216100 BBG001S5SMQ8 489,487 8,217 SH   SOLE   0 0 8,217
COHEN & STEERS QUALITY INCOM COM 19247L106 BBG001SG5559 169,230 14,233 SH   SOLE   0 0 14,233
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 BBG009XW7GY3 4,437,905 152,296 SH   SOLE   0 0 152,296
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 831,266 19,057 SH   SOLE   0 0 19,057
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 425,973 3,942 SH   SOLE   0 0 3,942
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 524,381 5,879 SH   SOLE   0 0 5,879
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 227,850 329 SH   SOLE   0 0 329
CUMMINS INC COM 231021106 BBG001S5Q9M3 255,163 1,091 SH   SOLE   0 0 1,091
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 510,856 6,910 SH   SOLE   0 0 6,910
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 517,061 2,229 SH   SOLE   0 0 2,229
DEERE & CO COM 244199105 BBG001S5QFF7 961,922 2,501 SH   SOLE   0 0 2,501
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 211,047 5,013 SH   SOLE   0 0 5,013
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 3,398,435 141,690 SH   SOLE   0 0 141,690
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,484,236 64,532 SH   SOLE   0 0 64,532
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,999,580 59,600 SH   SOLE   0 0 59,600
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 299,575 11,921 SH   SOLE   0 0 11,921
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 240,275 4,986 SH   SOLE   0 0 4,986
DISNEY WALT CO COM 254687106 BBG001S5QHF3 768,378 8,081 SH   SOLE   0 0 8,081
DOW INC COM 260557103 BBG00BN96931 218,418 4,078 SH   SOLE   0 0 4,078
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 266,453 2,803 SH   SOLE   0 0 2,803
EATON CORP PLC SHS G29183103 BBG001S5QZ45 549,507 2,253 SH   SOLE   0 0 2,253
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,840,908 2,918 SH   SOLE   0 0 2,918
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 206,649 7,648 SH   SOLE   0 0 7,648
EOG RES INC COM 26875P101 BBG001S5ZB93 217,850 1,969 SH   SOLE   0 0 1,969
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,061,104 21,288 SH   SOLE   0 0 21,288
FEDEX CORP COM 31428X106 BBG001S5R3M5 215,343 859 SH   SOLE   0 0 859
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 BBG01K4JLZG0 342,143 12,997 SH   SOLE   0 0 12,997
FIDELITY COVINGTON TRUST ENHANCED MID 31609A503 BBG01K785QY9 329,193 11,988 SH   SOLE   0 0 11,988
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 429,705 9,442 SH   SOLE   0 0 9,442
FIFTH THIRD BANCORP COM 316773100 BBG001S5R6S2 300,201 8,686 SH   SOLE   0 0 8,686
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 237,127 6,463 SH   SOLE   0 0 6,463
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 380,684 10,157 SH   SOLE   0 0 10,157
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 867,824 6,613 SH   SOLE   0 0 6,613
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 214,929 10,888 SH   SOLE   0 0 10,888
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 296,417 768 SH   SOLE   0 0 768
HESS CORP COM 42809H107 BBG001S5NHS2 207,359 1,505 SH   SOLE   0 0 1,505
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,655,755 4,642 SH   SOLE   0 0 4,642
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 749,477 3,728 SH   SOLE   0 0 3,728
INGERSOLL RAND INC COM 45687V106 BBG002R1CW36 1,306,254 16,464 SH   SOLE   0 0 16,464
INTEL CORP COM 458140100 BBG001S5SF65 634,479 13,158 SH   SOLE   0 0 13,158
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 459,555 2,659 SH   SOLE   0 0 2,659
INTUIT COM 461202103 BBG001S6TWR2 647,006 1,026 SH   SOLE   0 0 1,026
INVESCO EXCH TRADED FD TR II FNDMNTL IG CRP 46138E693 BBG0022HSYN5 570,024 24,277 SH   SOLE   0 0 24,277
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 3,131,213 67,585 SH   SOLE   0 0 67,585
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 1,689,394 60,014 SH   SOLE   0 0 60,014
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300 BBG00GBGVB98 4,851,183 123,064 SH   SOLE   0 0 123,064
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 BBG001SS5KV1 1,328,374 13,361 SH   SOLE   0 0 13,361
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 12,717,567 360,169 SH   SOLE   0 0 360,169
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 BBG001SLKDX3 909,170 50,092 SH   SOLE   0 0 50,092
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 BBG001V28DF5 4,414,874 45,845 SH   SOLE   0 0 45,845
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 BBG001SS30K9 601,291 6,596 SH   SOLE   0 0 6,596
INVESCO EXCHANGE TRADED FD T S&P MDCP VLU MNT 46137V456 BBG001SJW5Y1 563,414 11,389 SH   SOLE   0 0 11,389
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 12,434,710 79,384 SH   SOLE   0 0 79,384
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 BBG00KJR2X19 1,636,102 20,413 SH   SOLE   0 0 20,413
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 429,643 7,726 SH   SOLE   0 0 7,726
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 994,439 2,358 SH   SOLE   0 0 2,358
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 252,585 5,260 SH   SOLE   0 0 5,260
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 591,892 11,014 SH   SOLE   0 0 11,014
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 307,795 4,616 SH   SOLE   0 0 4,616
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,606,772 16,281 SH   SOLE   0 0 16,281
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 218,659 4,447 SH   SOLE   0 0 4,447
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 294,035 5,424 SH   SOLE   0 0 5,424
ISHARES TR CORE DIVID ETF 46435U861 BBG00J5M0G99 1,634,688 39,677 SH   SOLE   0 0 39,677
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 792,852 11,469 SH   SOLE   0 0 11,469
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 569,631 9,016 SH   SOLE   0 0 9,016
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 3,515,659 12,719 SH   SOLE   0 0 12,719
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,538,249 23,849 SH   SOLE   0 0 23,849
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 4,262,083 50,727 SH   SOLE   0 0 50,727
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 9,482,286 19,522 SH   SOLE   0 0 19,522
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,021,107 31,628 SH   SOLE   0 0 31,628
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 876,334 14,608 SH   SOLE   0 0 14,608
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,143,896 22,333 SH   SOLE   0 0 22,333
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 4,566,453 171,768 SH   SOLE   0 0 171,768
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 705,377 13,869 SH   SOLE   0 0 13,869
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 293,006 2,681 SH   SOLE   0 0 2,681
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 218,794 7,018 SH   SOLE   0 0 7,018
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 5,659,902 109,869 SH   SOLE   0 0 109,869
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 406,753 4,385 SH   SOLE   0 0 4,385
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 357,269 8,232 SH   SOLE   0 0 8,232
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 207,148 4,173 SH   SOLE   0 0 4,173
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 822,731 11,094 SH   SOLE   0 0 11,094
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 1,377,221 19,980 SH   SOLE   0 0 19,980
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 4,984,629 135,895 SH   SOLE   0 0 135,895
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,846,003 25,413 SH   SOLE   0 0 25,413
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,044,468 28,318 SH   SOLE   0 0 28,318
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 559,541 10,412 SH   SOLE   0 0 10,412
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 3,707,924 13,927 SH   SOLE   0 0 13,927
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 9,614,908 30,696 SH   SOLE   0 0 30,696
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 10,345,717 62,930 SH   SOLE   0 0 62,930
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 227,885 2,166 SH   SOLE   0 0 2,166
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 303,036 2,639 SH   SOLE   0 0 2,639
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 248,906 3,225 SH   SOLE   0 0 3,225
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 364,778 1,856 SH   SOLE   0 0 1,856
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,974,622 25,410 SH   SOLE   0 0 25,410
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 255,879 1,476 SH   SOLE   0 0 1,476
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 788,941 9,863 SH   SOLE   0 0 9,863
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 1,729,802 15,424 SH   SOLE   0 0 15,424
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 331,846 2,665 SH   SOLE   0 0 2,665
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 366,308 3,177 SH   SOLE   0 0 3,177
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 249,594 2,260 SH   SOLE   0 0 2,260
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 422,856 4,231 SH   SOLE   0 0 4,231
ISHARES TR US REGNL BKS ETF 464288778 BBG001SQZTM3 233,914 5,627 SH   SOLE   0 0 5,627
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 260,433 4,679 SH   SOLE   0 0 4,679
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 BBG01J345HV8 416,089 7,773 SH   SOLE   0 0 7,773
J P MORGAN EXCHANGE TRADED F MKT EXPN ENHNCD 46641Q118 BBG016CBQDW5 201,235 3,760 SH   SOLE   0 0 3,760
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 11,166,060 226,584 SH   SOLE   0 0 226,584
JANUS DETROIT STR TR HENDERSN SML ETF 47103U209 BBG00C9Y3BD7 2,048,229 31,223 SH   SOLE   0 0 31,223
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,124,130 6,919 SH   SOLE   0 0 6,919
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,509,228 8,872 SH   SOLE   0 0 8,872
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 217,554 261 SH   SOLE   0 0 261
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 41,413 18,910 SH   SOLE   0 0 18,910
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 514,270 1,121 SH   SOLE   0 0 1,121
LOWES COS INC COM 548661107 BBG001S5SVL3 907,582 4,128 SH   SOLE   0 0 4,128
M & T BK CORP COM 55261F104 BBG001S7S2B4 242,911 1,711 SH   SOLE   0 0 1,711
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 463,567 6,612 SH   SOLE   0 0 6,612
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 440,630 1,002 SH   SOLE   0 0 1,002
MCDONALDS CORP COM 580135101 BBG001S5T110 283,788 951 SH   SOLE   0 0 951
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,747,858 14,635 SH   SOLE   0 0 14,635
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 957,122 2,507 SH   SOLE   0 0 2,507
MICROSOFT CORP COM 594918104 BBG001S5TD05 6,986,903 17,621 SH   SOLE   0 0 17,621
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 462,192 6,321 SH   SOLE   0 0 6,321
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 669,723 7,812 SH   SOLE   0 0 7,812
NETFLIX INC COM 64110L106 BBG001SF6L46 238,982 492 SH   SOLE   0 0 492
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 465,204 8,183 SH   SOLE   0 0 8,183
NIKE INC CL B 654106103 BBG001S6NTK2 442,272 4,398 SH   SOLE   0 0 4,398
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 522,785 2,177 SH   SOLE   0 0 2,177
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 267,628 2,537 SH   SOLE   0 0 2,537
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 489,650 45,296 SH   SOLE   0 0 45,296
NUVEEN AMT-FREE MUN VALUE FD COM 670695105 BBG001S6RMX9 148,063 10,867 SH   SOLE   0 0 10,867
NUVEEN MUN VALUE FD INC COM 670928100 BBG001S5TS84 800,389 92,745 SH   SOLE   0 0 92,745
NUVEEN N Y MUN VALUE FD COM 67062M105 BBG001S5TNX7 765,905 92,389 SH   SOLE   0 0 92,389
NUVEEN N Y SELECT TAX FREE I SH BEN INT 67063V104 BBG001S72H47 272,903 23,385 SH   SOLE   0 0 23,385
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 BBG001SHM0F8 359,162 30,567 SH   SOLE   0 0 30,567
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 BBG001S70MD8 216,624 14,919 SH   SOLE   0 0 14,919
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 2,032,668 3,407 SH   SOLE   0 0 3,407
ORACLE CORP COM 68389X105 BBG001S5SJG6 2,734,884 24,840 SH   SOLE   0 0 24,840
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 668,304 14,040 SH   SOLE   0 0 14,040
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 296,807 5,761 SH   SOLE   0 0 5,761
PEPSICO INC COM 713448108 BBG001S695T1 734,418 4,448 SH   SOLE   0 0 4,448
PFIZER INC COM 717081103 BBG001S5V466 1,277,149 45,113 SH   SOLE   0 0 45,113
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 544,856 10,985 SH   SOLE   0 0 10,985
PHILLIPS 66 COM 718546104 BBG00286S4P7 210,568 1,624 SH   SOLE   0 0 1,624
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 551,505 10,541 SH   SOLE   0 0 10,541
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 567,983 3,801 SH   SOLE   0 0 3,801
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 635,059 4,295 SH   SOLE   0 0 4,295
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 2,995,251 31,763 SH   SOLE   0 0 31,763
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 273,147 4,707 SH   SOLE   0 0 4,707
QUALCOMM INC COM 747525103 BBG001S6VS70 675,227 4,417 SH   SOLE   0 0 4,417
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 330,983 3,893 SH   SOLE   0 0 3,893
SALESFORCE INC COM 79466L302 BBG001SDLP09 225,642 805 SH   SOLE   0 0 805
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 3,740,363 110,990 SH   SOLE   0 0 110,990
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 589,130 7,659 SH   SOLE   0 0 7,659
SEALED AIR CORP NEW COM 81211K100 BBG001SBSZ95 1,619,737 45,320 SH   SOLE   0 0 45,320
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 696,002 18,263 SH   SOLE   0 0 18,263
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 367,837 3,246 SH   SOLE   0 0 3,246
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 238,618 3,328 SH   SOLE   0 0 3,328
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 634,514 3,156 SH   SOLE   0 0 3,156
SHOPIFY INC CL A 82509L107 BBG004DW5NC7 305,871 3,811 SH   SOLE   0 0 3,811
SNOWFLAKE INC CL A 833445109 BBG007DHGNK2 354,362 1,780 SH   SOLE   0 0 1,780
SOUTHERN CO COM 842587107 BBG001S5W777 363,090 5,276 SH   SOLE   0 0 5,276
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,820,189 3,765 SH   SOLE   0 0 3,765
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 2,764,333 5,463 SH   SOLE   0 0 5,463
SPDR SER TR BBG CONV SEC ETF 78464A359 BBG001T2PMD1 312,057 4,362 SH   SOLE   0 0 4,362
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 447,967 9,417 SH   SOLE   0 0 9,417
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 1,066,862 42,760 SH   SOLE   0 0 42,760
SPDR SER TR PORTFOLIO CRPORT 78464A144 BBG001V10544 2,047,240 70,159 SH   SOLE   0 0 70,159
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 2,089,414 63,916 SH   SOLE   0 0 63,916
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 2,912,563 70,233 SH   SOLE   0 0 70,233
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 327,075 10,972 SH   SOLE   0 0 10,972
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 5,114,675 75,953 SH   SOLE   0 0 75,953
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,686,139 57,754 SH   SOLE   0 0 57,754
STRYKER CORPORATION COM 863667101 BBG001S8FR03 543,210 1,734 SH   SOLE   0 0 1,734
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 247,197 2,187 SH   SOLE   0 0 2,187
TEMPLETON EMERGING MKTS INCO COM 880192109 BBG001S5WMJ1 71,260 14,000 SH   SOLE   0 0 14,000
TESLA INC COM 88160R101 BBG001SQKGD7 606,773 2,906 SH   SOLE   0 0 2,906
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 348,954 1,144 SH   SOLE   0 0 1,144
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 290,530 525 SH   SOLE   0 0 525
TJX COS INC NEW COM 872540109 BBG001S5WQ93 531,586 5,588 SH   SOLE   0 0 5,588
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 260,545 4,298 SH   SOLE   0 0 4,298
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 3,234,169 12,802 SH   SOLE   0 0 12,802
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 308,489 6,565 SH   SOLE   0 0 6,565
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 556,686 3,510 SH   SOLE   0 0 3,510
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,255,287 2,447 SH   SOLE   0 0 2,447
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 120,857 11,295 SH   SOLE   0 0 11,295
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 481,265 16,624 SH   SOLE   0 0 16,624
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 372,770 14,734 SH   SOLE   0 0 14,734
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 BBG005T08310 1,869,597 85,059 SH   SOLE   0 0 85,059
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 1,236,144 12,681 SH   SOLE   0 0 12,681
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,122,134 28,052 SH   SOLE   0 0 28,052
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 870,771 2,717 SH   SOLE   0 0 2,717
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 648,573 2,919 SH   SOLE   0 0 2,919
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 264,955 1,854 SH   SOLE   0 0 1,854
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 541,406 2,347 SH   SOLE   0 0 2,347
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 5,658,161 12,735 SH   SOLE   0 0 12,735
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,409,513 7,936 SH   SOLE   0 0 7,936
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 825,189 3,430 SH   SOLE   0 0 3,430
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 11,376,566 76,011 SH   SOLE   0 0 76,011
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 478,403 4,309 SH   SOLE   0 0 4,309
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 BBG01KG1P4G1 393,828 5,143 SH   SOLE   0 0 5,143
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 816,452 17,174 SH   SOLE   0 0 17,174
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,353,012 46,622 SH   SOLE   0 0 46,622
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 4,143,722 51,494 SH   SOLE   0 0 51,494
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 442,785 2,567 SH   SOLE   0 0 2,567
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 292,204 5,180 SH   SOLE   0 0 5,180
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,181,223 25,186 SH   SOLE   0 0 25,186
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,936,411 24,630 SH   SOLE   0 0 24,630
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 3,252,329 29,572 SH   SOLE   0 0 29,572
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 2,388,941 8,902 SH   SOLE   0 0 8,902
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 236,727 2,546 SH   SOLE   0 0 2,546
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 565,981 1,286 SH   SOLE   0 0 1,286
VISA INC COM CL A 92826C839 BBG001SRCFY3 773,462 2,852 SH   SOLE   0 0 2,852
WALMART INC COM 931142103 BBG001S5XH92 572,750 3,527 SH   SOLE   0 0 3,527
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 749,886 15,452 SH   SOLE   0 0 15,452
WISDOMTREE TR GLB US QTLY DIV 97717W844 BBG001SHL791 2,856,859 79,468 SH   SOLE   0 0 79,468
WISDOMTREE TR ITL HIGH DIV FD 97717W802 BBG001SHLHN3 1,434,937 38,062 SH   SOLE   0 0 38,062
WISDOMTREE TR US MIDCAP FUND 97717W570 BBG001SSZB66 3,853,280 67,637 SH   SOLE   0 0 67,637