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
3M CO COM 88579Y101   1,036 8,621 SH   SOLE   0 0 8,621
ABBOTT LABS COM 002824100   693 6,379 SH   SOLE   0 0 6,379
ABBVIE INC COM 00287Y109   927 5,689 SH   SOLE   0 0 5,689
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   640 2,413 SH   SOLE   0 0 2,413
ALAMOS GOLD INC NEW COM CL A 011532108   136 13,254 SH   SOLE   0 0 13,254
ALPHABET INC CAP STK CL C 02079K107   2,067 23,510 SH   SOLE   0 0 23,510
ALPHABET INC CAP STK CL A 02079K305   1,166 13,338 SH   SOLE   0 0 13,338
ALTRIA GROUP INC COM 02209S103   1,445 31,090 SH   SOLE   0 0 31,090
AMAZON COM INC COM 023135106   1,530 18,428 SH   SOLE   0 0 18,428
AMERICAN EXPRESS CO COM 025816109   684 4,674 SH   SOLE   0 0 4,674
AMERICAN WTR WKS CO INC NEW COM 030420103   348 2,255 SH   SOLE   0 0 2,255
AMGEN INC COM 031162100   693 2,631 SH   SOLE   0 0 2,631
AMPIO PHARMACEUTICALS INC COM NEW 03209T208   2 10,700 SH   SOLE   0 0 10,700
APPLE INC COM 037833100   58,814 452,312 SH   SOLE   0 0 452,312
ASPEN GROUP INC COM NEW 04530L203   7 534,586 SH   SOLE   0 0 534,586
AT&T INC COM 00206R102   2,265 122,704 SH   SOLE   0 0 122,704
AUTOMATIC DATA PROCESSING IN COM 053015103   1,915 7,946 SH   SOLE   0 0 7,946
BABCOCK & WILCOX ENTERPRISES COM 05614L209   57 11,000 SH   SOLE   0 0 11,000
BANK AMERICA CORP COM 060505104   752 23,120 SH   SOLE   0 0 23,120
BARRICK GOLD CORP COM 067901108   266 14,945 SH   SOLE   0 0 14,945
BECTON DICKINSON & CO COM 075887109   247 969 SH   SOLE   0 0 969
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   8,429 27,585 SH   SOLE   0 0 27,585
BOEING CO COM 097023105   484 2,556 SH   SOLE   0 0 2,556
BP PLC SPONSORED ADR 055622104   334 9,527 SH   SOLE   0 0 9,527
BRISTOL-MYERS SQUIBB CO COM 110122108   2,373 32,676 SH   SOLE   0 0 32,676
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   438 3,230 SH   SOLE   0 0 3,230
CABOT CORP COM 127055101   202 3,000 SH   SOLE   0 0 3,000
CATERPILLAR INC COM 149123101   370 1,522 SH   SOLE   0 0 1,522
CHEVRON CORP NEW COM 166764100   1,915 10,659 SH   SOLE   0 0 10,659
CHUBB LIMITED COM H1467J104   238 1,079 SH   SOLE   0 0 1,079
CHURCH & DWIGHT CO INC COM 171340102   384 4,685 SH   SOLE   0 0 4,685
CISCO SYS INC COM 17275R102   1,249 26,270 SH   SOLE   0 0 26,270
CITIGROUP INC COM NEW 172967424   203 4,563 SH   SOLE   0 0 4,563
COCA COLA CO COM 191216100   620 9,652 SH   SOLE   0 0 9,652
COHEN & STEERS QUALITY INCOM COM 19247L106   275 24,113 SH   SOLE   0 0 24,113
COLGATE PALMOLIVE CO COM 194162103   262 3,278 SH   SOLE   0 0 3,278
COLUMBIA FINL INC COM 197641103   1,639 76,245 SH   SOLE   0 0 76,245
COMCAST CORP NEW CL A 20030N101   642 18,354 SH   SOLE   0 0 18,354
COMMERCE BANCSHARES INC COM 200525103   369 5,512 SH   SOLE   0 0 5,512
CONOCOPHILLIPS COM 20825C104   604 5,099 SH   SOLE   0 0 5,099
CONSOLIDATED EDISON INC COM 209115104   477 4,945 SH   SOLE   0 0 4,945
CONSTELLATION BRANDS INC CL A 21036P108   419 1,801 SH   SOLE   0 0 1,801
CONTAINER STORE GROUP INC COM 210751103   42 10,000 SH   SOLE   0 0 10,000
COSTCO WHSL CORP NEW COM 22160K105   1,006 2,194 SH   SOLE   0 0 2,194
COTERRA ENERGY INC COM 127097103   340 13,290 SH   SOLE   0 0 13,290
CSX CORP COM 126408103   202 6,473 SH   SOLE   0 0 6,473
CURIOSITYSTREAM INC COM CL A 23130Q107   30 26,900 SH   SOLE   0 0 26,900
CVS HEALTH CORP COM 126650100   222 2,383 SH   SOLE   0 0 2,383
DANAHER CORPORATION COM 235851102   1,528 5,859 SH   SOLE   0 0 5,859
DIREXION SHS ETF TR 20YR TRES BEAR 25460G849   455 3,400 SH   SOLE   0 0 3,400
DISNEY WALT CO COM 254687106   1,427 16,527 SH   SOLE   0 0 16,527
DOLLAR GEN CORP NEW COM 256677105   208 840 SH   SOLE   0 0 840
DOMINION ENERGY INC COM 25746U109   374 6,056 SH   SOLE   0 0 6,056
DOW INC COM 260557103   1,180 23,053 SH   SOLE   0 0 23,053
DUKE ENERGY CORP NEW COM NEW 26441C204   737 7,108 SH   SOLE   0 0 7,108
ENERGY FUELS INC COM NEW 292671708   201 32,180 SH   SOLE   0 0 32,180
ENTHUSIAST GAMING HLDGS INC COM 29385B109   12 23,231 SH   SOLE   0 0 23,231
ESPERION THERAPEUTICS INC NE COM 29664W105   137 23,350 SH   SOLE   0 0 23,350
EXXON MOBIL CORP COM 30231G102   5,199 47,180 SH   SOLE   0 0 47,180
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   232 5,710 SH   SOLE   0 0 5,710
FIRST TR NASDAQ 100 TECH IND SHS 337345102   346 3,335 SH   SOLE   0 0 3,335
FISERV INC COM 337738108   532 5,277 SH   SOLE   0 0 5,277
FORD MTR CO DEL COM 345370860   320 28,613 SH   SOLE   0 0 28,613
GENERAL ELECTRIC CO COM NEW 369604301   1,092 13,177 SH   SOLE   0 0 13,177
GENERAL MLS INC COM 370334104   450 5,240 SH   SOLE   0 0 5,240
GILEAD SCIENCES INC COM 375558103   247 2,906 SH   SOLE   0 0 2,906
GLOBAL PMTS INC COM 37940X102   256 2,625 SH   SOLE   0 0 2,625
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   596 14,524 SH   SOLE   0 0 14,524
GOLDMAN SACHS GROUP INC COM 38141G104   282 825 SH   SOLE   0 0 825
GSK PLC SPONSORED ADR 37733W204   289 8,249 SH   SOLE   0 0 8,249
HALEON PLC SPON ADS 405552100   82 10,313 SH   SOLE   0 0 10,313
HALLIBURTON CO COM 406216101   716 18,221 SH   SOLE   0 0 18,221
HERSHEY CO COM 427866108   251 1,064 SH   SOLE   0 0 1,064
HOME DEPOT INC COM 437076102   701 2,194 SH   SOLE   0 0 2,194
HONEYWELL INTL INC COM 438516106   1,009 4,696 SH   SOLE   0 0 4,696
HUMANA INC COM 444859102   227 441 SH   SOLE   0 0 441
IDEANOMICS INC COM 45166V106   2 14,100 SH   SOLE   0 0 14,100
IDEXX LABS INC COM 45168D104   596 1,472 SH   SOLE   0 0 1,472
INTEL CORP COM 458140100   398 15,340 SH   SOLE   0 0 15,340
INTERNATIONAL BUSINESS MACHS COM 459200101   701 4,923 SH   SOLE   0 0 4,923
INTERNATIONAL PAPER CO COM 460146103   255 7,306 SH   SOLE   0 0 7,306
INTUIT COM 461202103   540 1,408 SH   SOLE   0 0 1,408
INVESCO QQQ TR UNIT SER 1 46090E103   606 2,298 SH   SOLE   0 0 2,298
ISHARES TR CORE 1 5 YR USD 46432F859   1,705 36,705 SH   SOLE   0 0 36,705
ISHARES TR RUSSELL 2000 ETF 464287655   1,431 8,260 SH   SOLE   0 0 8,260
ISHARES TR CORE S&P500 ETF 464287200   1,025 2,675 SH   SOLE   0 0 2,675
ISHARES TR CORE S&P SCP ETF 464287804   732 7,717 SH   SOLE   0 0 7,717
ISHARES TR RUS 1000 GRW ETF 464287614   713 3,348 SH   SOLE   0 0 3,348
ISHARES TR S&P 500 GRWT ETF 464287309   682 11,686 SH   SOLE   0 0 11,686
ISHARES TR GLOBAL ENERG ETF 464287341   437 11,126 SH   SOLE   0 0 11,126
ISHARES TR RUS 1000 VAL ETF 464287598   312 2,058 SH   SOLE   0 0 2,058
ISHARES TR U.S. FINLS ETF 464287788   269 3,594 SH   SOLE   0 0 3,594
ISHARES TR MSCI EAFE ETF 464287465   247 3,749 SH   SOLE   0 0 3,749
ISHARES TR CORE S&P MCP ETF 464287507   243 1,005 SH   SOLE   0 0 1,005
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,041 20,738 SH   SOLE   0 0 20,738
JOHNSON & JOHNSON COM 478160104   5,023 28,307 SH   SOLE   0 0 28,307
JPMORGAN CHASE & CO COM 46625H100   2,825 21,443 SH   SOLE   0 0 21,443
KIMBERLY-CLARK CORP COM 494368103   228 1,651 SH   SOLE   0 0 1,651
LAM RESEARCH CORP COM 512807108   214 528 SH   SOLE   0 0 528
LAUDER ESTEE COS INC CL A 518439104   248 1,000 SH   SOLE   0 0 1,000
LILLY ELI & CO COM 532457108   501 1,374 SH   SOLE   0 0 1,374
LOCKHEED MARTIN CORP COM 539830109   200 412 SH   SOLE   0 0 412
MASTERCARD INCORPORATED CL A 57636Q104   1,446 4,178 SH   SOLE   0 0 4,178
MCDONALDS CORP COM 580135101   588 2,203 SH   SOLE   0 0 2,203
MEDTRONIC PLC SHS G5960L103   250 3,226 SH   SOLE   0 0 3,226
MERCK & CO INC COM 58933Y105   3,813 34,005 SH   SOLE   0 0 34,005
META PLATFORMS INC CL A 30303M102   351 3,007 SH   SOLE   0 0 3,007
METLIFE INC COM 59156R108   516 7,139 SH   SOLE   0 0 7,139
MICROSOFT CORP COM 594918104   11,667 49,235 SH   SOLE   0 0 49,235
MONDELEZ INTL INC CL A 609207105   209 3,102 SH   SOLE   0 0 3,102
MORGAN STANLEY COM NEW 617446448   276 3,246 SH   SOLE   0 0 3,246
NETFLIX INC COM 64110L106   226 794 SH   SOLE   0 0 794
NEW YORK CMNTY BANCORP INC COM 649445103   120 13,866 SH   SOLE   0 0 13,866
NEXTERA ENERGY INC COM 65339F101   788 9,381 SH   SOLE   0 0 9,381
NIKE INC CL B 654106103   595 5,065 SH   SOLE   0 0 5,065
NOVO-NORDISK A S ADR 670100205   1,665 12,496 SH   SOLE   0 0 12,496
NVIDIA CORPORATION COM 67066G104   284 2,009 SH   SOLE   0 0 2,009
OCCIDENTAL PETE CORP COM 674599105   284 4,420 SH   SOLE   0 0 4,420
ORACLE CORP COM 68389X105   895 11,050 SH   SOLE   0 0 11,050
PEAPACK-GLADSTONE FINL CORP COM 704699107   386 10,473 SH   SOLE   0 0 10,473
PEPSICO INC COM 713448108   1,302 7,110 SH   SOLE   0 0 7,110
PFIZER INC COM 717081103   5,222 102,127 SH   SOLE   0 0 102,127
PHILIP MORRIS INTL INC COM 718172109   492 4,793 SH   SOLE   0 0 4,793
PHILLIPS 66 COM 718546104   216 2,063 SH   SOLE   0 0 2,063
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,801 38,403 SH   SOLE   0 0 38,403
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   1,607 17,019 SH   SOLE   0 0 17,019
PIONEER NAT RES CO COM 723787107   217 937 SH   SOLE   0 0 937
PNC FINL SVCS GROUP INC COM 693475105   213 1,365 SH   SOLE   0 0 1,365
PROCTER AND GAMBLE CO COM 742718109   4,059 26,365 SH   SOLE   0 0 26,365
PRUDENTIAL FINL INC COM 744320102   306 3,081 SH   SOLE   0 0 3,081
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,127 18,230 SH   SOLE   0 0 18,230
QUALCOMM INC COM 747525103   553 5,054 SH   SOLE   0 0 5,054
RAYTHEON TECHNOLOGIES CORP COM 75513E101   313 3,140 SH   SOLE   0 0 3,140
REGENERON PHARMACEUTICALS COM 75886F107   611 859 SH   SOLE   0 0 859
SCHLUMBERGER LTD COM STK 806857108   241 4,505 SH   SOLE   0 0 4,505
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   361 5,496 SH   SOLE   0 0 5,496
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   294 6,536 SH   SOLE   0 0 6,536
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   236 4,297 SH   SOLE   0 0 4,297
SEELOS THERAPEUTICS INC COM 81577F109   14 20,000 SH   SOLE   0 0 20,000
SELECT SECTOR SPDR TR ENERGY 81369Y506   394 4,478 SH   SOLE   0 0 4,478
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   200 1,621 SH   SOLE   0 0 1,621
SHERWIN WILLIAMS CO COM 824348106   255 1,064 SH   SOLE   0 0 1,064
SOUTHERN CO COM 842587107   487 6,744 SH   SOLE   0 0 6,744
SPDR GOLD TR GOLD SHS 78463V107   480 2,844 SH   SOLE   0 0 2,844
SPDR S&P 500 ETF TR TR UNIT 78462F103   735 1,926 SH   SOLE   0 0 1,926
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,696 3,821 SH   SOLE   0 0 3,821
SPDR SER TR BBG CONV SEC ETF 78464A359   517 8,052 SH   SOLE   0 0 8,052
SPDR SER TR PRTFLO S&P500 GW 78464A409   288 5,692 SH   SOLE   0 0 5,692
STARBUCKS CORP COM 855244109   740 7,459 SH   SOLE   0 0 7,459
STRYKER CORPORATION COM 863667101   741 3,038 SH   SOLE   0 0 3,038
TERAWULF INC COM 88080T104   7 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   698 6,396 SH   SOLE   0 0 6,396
TEXAS INSTRS INC COM 882508104   252 1,539 SH   SOLE   0 0 1,539
THERMO FISHER SCIENTIFIC INC COM 883556102   493 903 SH   SOLE   0 0 903
TJX COS INC NEW COM 872540109   750 9,490 SH   SOLE   0 0 9,490
T-MOBILE US INC COM 872590104   211 1,500 SH   SOLE   0 0 1,500
TOTALENERGIES SE SPONSORED ADS 89151E109   414 6,535 SH   SOLE   0 0 6,535
TRAVELERS COMPANIES INC COM 89417E109   252 1,325 SH   SOLE   0 0 1,325
UNION PAC CORP COM 907818108   642 3,052 SH   SOLE   0 0 3,052
UNITED PARCEL SERVICE INC CL B 911312106   790 4,467 SH   SOLE   0 0 4,467
UNITEDHEALTH GROUP INC COM 91324P102   436 820 SH   SOLE   0 0 820
VANGUARD BD INDEX FDS INTERMED TERM 921937819   388 5,207 SH   SOLE   0 0 5,207
VANGUARD INDEX FDS GROWTH ETF 922908736   7,431 35,185 SH   SOLE   0 0 35,185
VANGUARD INDEX FDS VALUE ETF 922908744   3,730 26,535 SH   SOLE   0 0 26,535
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   223 635 SH   SOLE   0 0 635
VANGUARD INDEX FDS TOTAL STK MKT 922908769   214 1,124 SH   SOLE   0 0 1,124
VANGUARD INDEX FDS SML CP GRW ETF 922908595   203 1,026 SH   SOLE   0 0 1,026
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   212 3,183 SH   SOLE   0 0 3,183
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   222 1,460 SH   SOLE   0 0 1,460
VANGUARD STAR FDS VG TL INTL STK F 921909768   490 9,415 SH   SOLE   0 0 9,415
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   747 6,874 SH   SOLE   0 0 6,874
VANGUARD WORLD FDS INF TECH ETF 92204A702   4,822 15,255 SH   SOLE   0 0 15,255
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,533 20,716 SH   SOLE   0 0 20,716
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,270 5,137 SH   SOLE   0 0 5,137
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   797 4,349 SH   SOLE   0 0 4,349
VERIZON COMMUNICATIONS INC COM 92343V104   3,186 81,181 SH   SOLE   0 0 81,181
VISA INC COM CL A 92826C839   1,185 5,742 SH   SOLE   0 0 5,742
WALMART INC COM 931142103   576 4,005 SH   SOLE   0 0 4,005
WARNER BROS DISCOVERY INC COM SER A 934423104   240 25,985 SH   SOLE   0 0 25,985
WATSCO INC COM 942622200   231 914 SH   SOLE   0 0 914
WELLS FARGO CO NEW COM 949746101   432 10,522 SH   SOLE   0 0 10,522