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
3M CO COM 88579Y101   1,053 10,017 SH   SOLE   0 0 10,017
ABBOTT LABS COM 002824100   656 6,475 SH   SOLE   0 0 6,475
ABBVIE INC COM 00287Y109   917 5,757 SH   SOLE   0 0 5,757
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   690 2,413 SH   SOLE   0 0 2,413
ALAMOS GOLD INC NEW COM CL A 011532108   162 13,254 SH   SOLE   0 0 13,254
ALPHABET INC CAP STK CL C 02079K107   2,388 22,965 SH   SOLE   0 0 22,965
ALPHABET INC CAP STK CL A 02079K305   1,378 13,281 SH   SOLE   0 0 13,281
ALTRIA GROUP INC COM 02209S103   1,360 30,482 SH   SOLE   0 0 30,482
AMAZON COM INC COM 023135106   1,819 17,612 SH   SOLE   0 0 17,612
AMERICAN EXPRESS CO COM 025816109   798 4,841 SH   SOLE   0 0 4,841
AMERICAN TOWER CORP NEW COM 03027X100   473 2,317 SH   SOLE   0 0 2,317
AMERICAN WTR WKS CO INC NEW COM 030420103   330 2,255 SH   SOLE   0 0 2,255
AMGEN INC COM 031162100   637 2,635 SH   SOLE   0 0 2,635
AMPIO PHARMACEUTICALS INC COM NEW 03209T208   2 10,700 SH   SOLE   0 0 10,700
APPLE INC COM 037833100   74,946 454,493 SH   SOLE   0 0 454,493
ASPEN GROUP INC COM NEW 04530L203   28 534,586 SH   SOLE   0 0 534,586
AT&T INC COM 00206R102   2,387 124,012 SH   SOLE   0 0 124,012
AUTOMATIC DATA PROCESSING IN COM 053015103   1,728 7,762 SH   SOLE   0 0 7,762
BABCOCK & WILCOX ENTERPRISES COM 05614L209   67 11,000 SH   SOLE   0 0 11,000
BANK AMERICA CORP COM 060505104   664 23,208 SH   SOLE   0 0 23,208
BARRICK GOLD CORP COM 067901108   279 15,030 SH   SOLE   0 0 15,030
BECTON DICKINSON & CO COM 075887109   250 1,010 SH   SOLE   0 0 1,010
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   8,470 27,432 SH   SOLE   0 0 27,432
BLACKSTONE INC COM 09260D107   212 2,417 SH   SOLE   0 0 2,417
BOEING CO COM 097023105   551 2,594 SH   SOLE   0 0 2,594
BP PLC SPONSORED ADR 055622104   361 9,527 SH   SOLE   0 0 9,527
BRISTOL-MYERS SQUIBB CO COM 110122108   3,258 47,010 SH   SOLE   0 0 47,010
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   473 3,230 SH   SOLE   0 0 3,230
CABOT CORP COM 127055101   230 3,000 SH   SOLE   0 0 3,000
CATERPILLAR INC COM 149123101   720 3,147 SH   SOLE   0 0 3,147
CHEVRON CORP NEW COM 166764100   1,873 11,479 SH   SOLE   0 0 11,479
CHUBB LIMITED COM H1467J104   210 1,080 SH   SOLE   0 0 1,080
CHURCH & DWIGHT CO INC COM 171340102   414 4,685 SH   SOLE   0 0 4,685
CISCO SYS INC COM 17275R102   1,377 26,350 SH   SOLE   0 0 26,350
CITIGROUP INC COM NEW 172967424   203 4,323 SH   SOLE   0 0 4,323
COCA COLA CO COM 191216100   578 9,325 SH   SOLE   0 0 9,325
COHEN & STEERS QUALITY INCOM COM 19247L106   272 22,787 SH   SOLE   0 0 22,787
COLGATE PALMOLIVE CO COM 194162103   249 3,315 SH   SOLE   0 0 3,315
COLUMBIA FINL INC COM 197641103   1,478 80,852 SH   SOLE   0 0 80,852
COMCAST CORP NEW CL A 20030N101   691 18,226 SH   SOLE   0 0 18,226
COMMERCE BANCSHARES INC COM 200525103   322 5,512 SH   SOLE   0 0 5,512
CONOCOPHILLIPS COM 20825C104   507 5,114 SH   SOLE   0 0 5,114
CONSOLIDATED EDISON INC COM 209115104   470 4,908 SH   SOLE   0 0 4,908
CONSTELLATION BRANDS INC CL A 21036P108   391 1,730 SH   SOLE   0 0 1,730
COSTCO WHSL CORP NEW COM 22160K105   1,106 2,225 SH   SOLE   0 0 2,225
COTERRA ENERGY INC COM 127097103   335 13,648 SH   SOLE   0 0 13,648
CURIOSITYSTREAM INC COM CL A 23130Q107   67 49,900 SH   SOLE   0 0 49,900
DANAHER CORPORATION COM 235851102   1,515 6,010 SH   SOLE   0 0 6,010
DIREXION SHS ETF TR 20YR TRES BEAR 25460G849   431 4,025 SH   SOLE   0 0 4,025
DISNEY WALT CO COM 254687106   1,633 16,311 SH   SOLE   0 0 16,311
DOMINION ENERGY INC COM 25746U109   356 6,372 SH   SOLE   0 0 6,372
DOW INC COM 260557103   1,271 23,181 SH   SOLE   0 0 23,181
DUKE ENERGY CORP NEW COM NEW 26441C204   636 6,592 SH   SOLE   0 0 6,592
EMPIRE ST RLTY OP L P UNIT LTD PRT 250 292102308   100 16,150 SH   SOLE   0 0 16,150
EMPIRE ST RLTY TR INC CL A 292104106   125 19,238 SH   SOLE   0 0 19,238
ENERGY FUELS INC COM NEW 292671708   180 32,180 SH   SOLE   0 0 32,180
ENTERPRISE PRODS PARTNERS L COM 293792107   219 8,465 SH   SOLE   0 0 8,465
ENTHUSIAST GAMING HLDGS INC COM 29385B109   13 23,231 SH   SOLE   0 0 23,231
ESPERION THERAPEUTICS INC NE COM 29664W105   37 23,150 SH   SOLE   0 0 23,150
EXXON MOBIL CORP COM 30231G102   5,720 52,165 SH   SOLE   0 0 52,165
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   274 5,710 SH   SOLE   0 0 5,710
FIRST TR NASDAQ 100 TECH IND SHS 337345102   461 3,535 SH   SOLE   0 0 3,535
FISERV INC COM 337738108   597 5,282 SH   SOLE   0 0 5,282
FORD MTR CO DEL COM 345370860   367 29,094 SH   SOLE   0 0 29,094
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   342 4,167 SH   SOLE   0 0 4,167
GENERAL ELECTRIC CO COM NEW 369604301   1,248 13,054 SH   SOLE   0 0 13,054
GENERAL MLS INC COM 370334104   439 5,142 SH   SOLE   0 0 5,142
GILEAD SCIENCES INC COM 375558103   242 2,912 SH   SOLE   0 0 2,912
GLOBAL PMTS INC COM 37940X102   276 2,625 SH   SOLE   0 0 2,625
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   580 14,531 SH   SOLE   0 0 14,531
GOLDMAN SACHS GROUP INC COM 38141G104   270 826 SH   SOLE   0 0 826
GSK PLC SPONSORED ADR 37733W204   293 8,249 SH   SOLE   0 0 8,249
HALEON PLC SPON ADS 405552100   84 10,313 SH   SOLE   0 0 10,313
HALLIBURTON CO COM 406216101   562 17,772 SH   SOLE   0 0 17,772
HERSHEY CO COM 427866108   271 1,064 SH   SOLE   0 0 1,064
HOME DEPOT INC COM 437076102   635 2,152 SH   SOLE   0 0 2,152
HONEYWELL INTL INC COM 438516106   1,061 5,553 SH   SOLE   0 0 5,553
HUMANA INC COM 444859102   263 542 SH   SOLE   0 0 542
IDEANOMICS INC COM 45166V106   2 14,100 SH   SOLE   0 0 14,100
IDEXX LABS INC COM 45168D104   736 1,472 SH   SOLE   0 0 1,472
INTEL CORP COM 458140100   499 15,267 SH   SOLE   0 0 15,267
INTERNATIONAL BUSINESS MACHS COM 459200101   647 4,936 SH   SOLE   0 0 4,936
INTERNATIONAL PAPER CO COM 460146103   247 6,844 SH   SOLE   0 0 6,844
INTUIT COM 461202103   628 1,408 SH   SOLE   0 0 1,408
INVESCO QQQ TR UNIT SER 1 46090E103   750 2,338 SH   SOLE   0 0 2,338
ISHARES TR CORE 1 5 YR USD 46432F859   1,589 33,694 SH   SOLE   0 0 33,694
ISHARES TR RUSSELL 2000 ETF 464287655   1,530 8,575 SH   SOLE   0 0 8,575
ISHARES TR CORE S&P500 ETF 464287200   1,116 2,714 SH   SOLE   0 0 2,714
ISHARES TR CORE S&P SCP ETF 464287804   873 9,029 SH   SOLE   0 0 9,029
ISHARES TR RUS 1000 GRW ETF 464287614   823 3,369 SH   SOLE   0 0 3,369
ISHARES TR S&P 500 GRWT ETF 464287309   749 11,716 SH   SOLE   0 0 11,716
ISHARES TR GLOBAL ENERG ETF 464287341   430 11,392 SH   SOLE   0 0 11,392
ISHARES TR CORE S&P MCP ETF 464287507   317 1,265 SH   SOLE   0 0 1,265
ISHARES TR RUS 1000 VAL ETF 464287598   313 2,058 SH   SOLE   0 0 2,058
ISHARES TR U.S. FINLS ETF 464287788   307 4,311 SH   SOLE   0 0 4,311
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   973 19,343 SH   SOLE   0 0 19,343
JOHNSON & JOHNSON COM 478160104   4,460 28,774 SH   SOLE   0 0 28,774
JPMORGAN CHASE & CO COM 46625H100   2,800 21,490 SH   SOLE   0 0 21,490
KIMBERLY-CLARK CORP COM 494368103   222 1,652 SH   SOLE   0 0 1,652
LAM RESEARCH CORP COM 512807108   280 528 SH   SOLE   0 0 528
LAUDER ESTEE COS INC CL A 518439104   222 900 SH   SOLE   0 0 900
LILLY ELI & CO COM 532457108   512 1,489 SH   SOLE   0 0 1,489
MASTERCARD INCORPORATED CL A 57636Q104   1,519 4,180 SH   SOLE   0 0 4,180
MCDONALDS CORP COM 580135101   615 2,200 SH   SOLE   0 0 2,200
MEDTRONIC PLC SHS G5960L103   256 3,171 SH   SOLE   0 0 3,171
MERCK & CO INC COM 58933Y105   3,427 32,210 SH   SOLE   0 0 32,210
META PLATFORMS INC CL A 30303M102   698 3,294 SH   SOLE   0 0 3,294
METLIFE INC COM 59156R108   414 7,149 SH   SOLE   0 0 7,149
MICROSOFT CORP COM 594918104   14,230 49,360 SH   SOLE   0 0 49,360
MONDELEZ INTL INC CL A 609207105   221 3,169 SH   SOLE   0 0 3,169
MORGAN STANLEY COM NEW 617446448   296 3,370 SH   SOLE   0 0 3,370
NETFLIX INC COM 64110L106   276 798 SH   SOLE   0 0 798
NEW YORK CMNTY BANCORP INC COM 649445103   98 10,867 SH   SOLE   0 0 10,867
NEXTERA ENERGY INC COM 65339F101   724 9,392 SH   SOLE   0 0 9,392
NIKE INC CL B 654106103   617 5,035 SH   SOLE   0 0 5,035
NOVO-NORDISK A S ADR 670100205   1,998 12,557 SH   SOLE   0 0 12,557
NVIDIA CORPORATION COM 67066G104   671 2,416 SH   SOLE   0 0 2,416
OCCIDENTAL PETE CORP COM 674599105   276 4,421 SH   SOLE   0 0 4,421
ORACLE CORP COM 68389X105   1,024 11,020 SH   SOLE   0 0 11,020
PACWEST BANCORP DEL COM 695263103   139 14,238 SH   SOLE   0 0 14,238
PEAPACK-GLADSTONE FINL CORP COM 704699107   310 10,473 SH   SOLE   0 0 10,473
PEPSICO INC COM 713448108   1,297 7,115 SH   SOLE   0 0 7,115
PFIZER INC COM 717081103   4,287 105,080 SH   SOLE   0 0 105,080
PHILIP MORRIS INTL INC COM 718172109   462 4,752 SH   SOLE   0 0 4,752
PHILLIPS 66 COM 718546104   213 2,101 SH   SOLE   0 0 2,101
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,468 34,942 SH   SOLE   0 0 34,942
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   1,617 17,041 SH   SOLE   0 0 17,041
PIONEER NAT RES CO COM 723787107   215 1,052 SH   SOLE   0 0 1,052
PROCTER AND GAMBLE CO COM 742718109   3,890 26,160 SH   SOLE   0 0 26,160
PRUDENTIAL FINL INC COM 744320102   259 3,131 SH   SOLE   0 0 3,131
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,204 19,277 SH   SOLE   0 0 19,277
QUALCOMM INC COM 747525103   645 5,056 SH   SOLE   0 0 5,056
RAYTHEON TECHNOLOGIES CORP COM 75513E101   309 3,160 SH   SOLE   0 0 3,160
REGENERON PHARMACEUTICALS COM 75886F107   707 860 SH   SOLE   0 0 860
SCHLUMBERGER LTD COM STK 806857108   207 4,207 SH   SOLE   0 0 4,207
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   378 5,577 SH   SOLE   0 0 5,577
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   360 5,530 SH   SOLE   0 0 5,530
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   317 6,550 SH   SOLE   0 0 6,550
SEELOS THERAPEUTICS INC COM 81577F109   14 20,000 SH   SOLE   0 0 20,000
SELECT SECTOR SPDR TR ENERGY 81369Y506   329 3,972 SH   SOLE   0 0 3,972
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   262 8,150 SH   SOLE   0 0 8,150
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   228 1,510 SH   SOLE   0 0 1,510
SHERWIN WILLIAMS CO COM 824348106   239 1,064 SH   SOLE   0 0 1,064
SOUTHERN CO COM 842587107   487 7,005 SH   SOLE   0 0 7,005
SPDR GOLD TR GOLD SHS 78463V107   524 2,860 SH   SOLE   0 0 2,860
SPDR S&P 500 ETF TR TR UNIT 78462F103   795 1,943 SH   SOLE   0 0 1,943
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,837 4,006 SH   SOLE   0 0 4,006
SPDR SER TR BBG CONV SEC ETF 78464A359   540 8,054 SH   SOLE   0 0 8,054
SPDR SER TR PRTFLO S&P500 GW 78464A409   315 5,692 SH   SOLE   0 0 5,692
STARBUCKS CORP COM 855244109   768 7,371 SH   SOLE   0 0 7,371
STRYKER CORPORATION COM 863667101   868 3,041 SH   SOLE   0 0 3,041
TERAWULF INC COM 88080T104   38 40,000 SH   SOLE   0 0 40,000
TESLA INC COM 88160R101   1,364 6,573 SH   SOLE   0 0 6,573
TEXAS INSTRS INC COM 882508104   284 1,527 SH   SOLE   0 0 1,527
THERMO FISHER SCIENTIFIC INC COM 883556102   521 903 SH   SOLE   0 0 903
TJX COS INC NEW COM 872540109   744 9,491 SH   SOLE   0 0 9,491
T-MOBILE US INC COM 872590104   217 1,500 SH   SOLE   0 0 1,500
TOTALENERGIES SE SPONSORED ADS 89151E109   392 6,635 SH   SOLE   0 0 6,635
TRAVELERS COMPANIES INC COM 89417E109   228 1,328 SH   SOLE   0 0 1,328
UNION PAC CORP COM 907818108   623 3,097 SH   SOLE   0 0 3,097
UNITED PARCEL SERVICE INC CL B 911312106   878 4,527 SH   SOLE   0 0 4,527
UNITEDHEALTH GROUP INC COM 91324P102   388 820 SH   SOLE   0 0 820
VALLEY NATL BANCORP COM 919794107   605 65,483 SH   SOLE   0 0 65,483
VANGUARD BD INDEX FDS INTERMED TERM 921937819   353 4,597 SH   SOLE   0 0 4,597
VANGUARD INDEX FDS GROWTH ETF 922908736   9,603 38,497 SH   SOLE   0 0 38,497
VANGUARD INDEX FDS VALUE ETF 922908744   3,907 28,291 SH   SOLE   0 0 28,291
VANGUARD INDEX FDS TOTAL STK MKT 922908769   326 1,595 SH   SOLE   0 0 1,595
VANGUARD INDEX FDS SMALL CP ETF 922908751   298 1,574 SH   SOLE   0 0 1,574
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   233 619 SH   SOLE   0 0 619
VANGUARD INDEX FDS SML CP GRW ETF 922908595   223 1,029 SH   SOLE   0 0 1,029
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   217 3,253 SH   SOLE   0 0 3,253
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   242 1,572 SH   SOLE   0 0 1,572
VANGUARD STAR FDS VG TL INTL STK F 921909768   858 15,545 SH   SOLE   0 0 15,545
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   778 7,379 SH   SOLE   0 0 7,379
VANGUARD WORLD FDS INF TECH ETF 92204A702   6,287 16,311 SH   SOLE   0 0 16,311
VANGUARD WORLD FDS ENERGY ETF 92204A306   2,362 20,675 SH   SOLE   0 0 20,675
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,315 5,516 SH   SOLE   0 0 5,516
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   837 4,391 SH   SOLE   0 0 4,391
VERIZON COMMUNICATIONS INC COM 92343V104   3,157 81,186 SH   SOLE   0 0 81,186
VISA INC COM CL A 92826C839   1,278 5,669 SH   SOLE   0 0 5,669
WALMART INC COM 931142103   559 3,789 SH   SOLE   0 0 3,789
WARNER BROS DISCOVERY INC COM SER A 934423104   375 24,812 SH   SOLE   0 0 24,812
WASTE MGMT INC DEL COM 94106L109   213 1,303 SH   SOLE   0 0 1,303
WATSCO INC COM 942622200   291 914 SH   SOLE   0 0 914
WELLS FARGO CO NEW COM 949746101   431 11,539 SH   SOLE   0 0 11,539