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
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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
ABACUS GLOBAL MGMT INC CL A 00258Y104   82,390 11,000 SH   SOLE 0 11,000 0 0
ABBOTT LABS COM 002824100   658,981 4,968 SH   SOLE 0 1,099 0 3,868
ABBVIE INC COM 00287Y109   1,169,934 5,584 SH   SOLE 0 211 0 5,373
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,310,511 4,200 SH   SOLE 0 726 0 3,474
ADOBE INC COM 00724F101   357,066 931 SH   SOLE 0 405 0 526
ALPHABET INC CAP STK CL C 02079K107   1,542,063 9,870 SH   SOLE 0 1,944 0 7,926
ALPHABET INC CAP STK CL A 02079K305   2,353,006 15,216 SH   SOLE 0 2,805 0 12,411
ALTRIA GROUP INC COM 02209S103   907,060 15,113 SH   SOLE 0 0 0 15,113
AMAZON COM INC COM 023135106   1,361,124 7,154 SH   SOLE 0 1,608 0 5,546
AMERICAN TOWER CORP NEW COM 03027X100   341,414 1,569 SH   SOLE 0 102 0 1,467
AMGEN INC COM 031162100   934,650 3,000 SH   SOLE 0 459 0 2,541
ANALOG DEVICES INC COM 032654105   617,490 3,062 SH   SOLE 0 94 0 2,968
AON PLC SHS CL A G0403H108   797,382 1,998 SH   SOLE 0 792 0 1,206
APPLE INC COM 037833100   8,198,112 36,907 SH   SOLE 0 13,265 0 23,642
AUTOMATIC DATA PROCESSING IN COM 053015103   884,999 2,897 SH   SOLE 0 257 0 2,640
AVITA MEDICAL INC COM 05380C102   411,086 50,502 SH   SOLE 0 50,502 0 0
BANK AMERICA CORP COM 060505104   840,105 20,132 SH   SOLE 0 350 0 19,782
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,297,018 4,313 SH   SOLE 0 839 0 3,474
BLACKROCK INC COM 09290D101   447,799 473 SH   SOLE 0 30 0 443
BOS BETTER ONLINE SOLUTIONS SHS NEW NIS 80 M20115180   629,370 166,500 SH   SOLE 0 166,500 0 0
BRANCHOUT FOOD INC COM 105230106   386,220 157,000 SH   SOLE 0 157,000 0 0
BROADCOM INC COM 11135F101   1,144,734 6,837 SH   SOLE 0 140 0 6,697
CAPITAL GROUP CONSERVATIVE E SHS 14020U100   3,492,255 128,794 SH   SOLE 0 25,450 0 103,344
CAPITAL GROUP INTERNATIONAL SHS 14021M107   7,556,261 257,717 SH   SOLE 0 41,118 0 216,599
CATERPILLAR INC COM 149123101   1,293,244 3,921 SH   SOLE 0 374 0 3,547
CBRE GROUP INC CL A 12504L109   299,617 2,291 SH   SOLE 0 0 0 2,291
CHEVRON CORP NEW COM 166764100   807,508 4,827 SH   SOLE 0 645 0 4,182
CHUBB LIMITED COM H1467J104   350,479 1,161 SH   SOLE 0 102 0 1,059
CISCO SYS INC COM 17275R102   952,726 15,439 SH   SOLE 0 3,728 0 11,711
COCA COLA CO COM 191216100   885,257 12,360 SH   SOLE 0 2,266 0 10,094
COLGATE PALMOLIVE CO COM 194162103   278,221 2,969 SH   SOLE 0 383 0 2,587
CONSTELLATION ENERGY CORP COM 21037T109   315,116 1,563 SH   SOLE 0 172 0 1,391
COSTCO WHSL CORP NEW COM 22160K105   1,092,591 1,155 SH   SOLE 0 68 0 1,087
CRH PLC ORD G25508105   250,099 2,843 SH   SOLE 0 363 0 2,480
DANAHER CORPORATION COM 235851102   1,017,203 4,962 SH   SOLE 0 570 0 4,392
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,107,691 118,614 SH   SOLE 0 33,957 0 84,657
DISNEY WALT CO COM 254687106   373,464 3,784 SH   SOLE 0 144 0 3,640
ELI LILLY & CO COM 532457108   3,947,216 4,779 SH   SOLE 0 705 0 4,074
ENTERPRISE PRODS PARTNERS L COM 293792107   682,800 20,000 SH   SOLE 0 0 0 20,000
EUROPEAN WAX CTR INC CLASS A COM 29882P106   185,504 46,963 SH   SOLE 0 46,963 0 0
EXXON MOBIL CORP COM 30231G102   773,515 6,504 SH   SOLE 0 675 0 5,829
FIDELITY COVINGTON TRUST FUNDAMENTAL SMAL 316092295   9,961,612 394,676 SH   SOLE 0 93,046 0 301,630
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404   5,895,461 198,100 SH   SOLE 0 45,019 0 153,081
FLEXIBLE SOLUTIONS INTL INC COM 33938T104   310,070 61,400 SH   SOLE 0 61,400 0 0
GABELLI EQUITY TR INC COM 362397101   202,274 36,710 SH   SOLE 0 0 0 36,710
GENASYS INC COM 36872P103   711,116 313,267 SH   SOLE 0 0 0 313,267
GOLDMAN SACHS GROUP INC COM 38141G104   1,535,457 2,811 SH   SOLE 0 1,380 0 1,431
HOME DEPOT INC COM 437076102   1,252,472 3,417 SH   SOLE 0 254 0 3,163
HONEYWELL INTL INC COM 438516106   806,589 3,809 SH   SOLE 0 429 0 3,381
ILLINOIS TOOL WKS INC COM 452308109   488,070 1,968 SH   SOLE 0 248 0 1,720
INTERCONTINENTAL EXCHANGE IN COM 45866F104   318,392 1,846 SH   SOLE 0 66 0 1,780
INTERNATIONAL BUSINESS MACHS COM 459200101   506,514 2,037 SH   SOLE 0 269 0 1,768
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   258,024 3,453 SH   SOLE 0 0 0 3,453
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   799,397 12,050 SH   SOLE 0 0 0 12,050
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   2,829,629 57,830 SH   SOLE 0 11,440 0 46,390
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365   1,956,185 23,894 SH   SOLE 0 5,828 0 18,066
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   13,303,739 76,798 SH   SOLE 0 14,872 0 61,926
INVESCO QQQ TR UNIT SER 1 46090E103   1,340,680 2,859 SH   SOLE 0 63 0 2,796
ISHARES GOLD TR ISHARES NEW 464285204   202,115 3,428 SH   SOLE 0 2,383 0 1,045
ISHARES INC MSCI JPN ETF NEW 46434G822   1,516,279 22,116 SH   SOLE 0 5,550 0 16,566
ISHARES TR CORE S&P MCP ETF 464287507   15,009,202 257,227 SH   SOLE 0 60,297 0 196,930
ISHARES TR CORE S&P SCP ETF 464287804   10,093,856 96,527 SH   SOLE 0 23,485 0 73,042
ISHARES TR CORE S&P500 ETF 464287200   15,514,953 27,612 SH   SOLE 0 4,543 0 23,068
ISHARES TR RUSSELL 2000 ETF 464287655   1,289,643 6,465 SH   SOLE 0 0 0 6,465
ISHARES TR MSCI EAFE ETF 464287465   306,943 3,756 SH   SOLE 0 11 0 3,745
ISHARES TR RUS MID CAP ETF 464287499   1,353,634 15,912 SH   SOLE 0 1,780 0 14,132
ISHARES TR MSCI EMG MKT ETF 464287234   238,602 5,460 SH   SOLE 0 605 0 4,855
ISHARES TR CORE S&P TTL STK 464287150   276,597 2,267 SH   SOLE 0 0 0 2,267
ISHARES TR CORE US AGGBD ET 464287226   2,067,984 20,906 SH   SOLE 0 4,026 0 16,880
ISHARES TR CORE MSCI EAFE 46432F842   8,337,760 110,215 SH   SOLE 0 22,991 0 87,224
ISHARES TR SHRT NAT MUN ETF 464288158   1,111,982 10,530 SH   SOLE 0 2,722 0 7,808
ISHARES TR CORE DIV GRWTH 46434V621   728,819 11,797 SH   SOLE 0 11,447 0 350
ISHARES U S ETF TR SHORT MATURITY M 46431W838   841,821 16,756 SH   SOLE 0 5,119 0 11,637
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,211,145 23,818 SH   SOLE 0 0 0 23,818
JOHNSON & JOHNSON COM 478160104   1,496,584 9,024 SH   SOLE 0 718 0 8,306
JPMORGAN CHASE & CO. COM 46625H100   1,386,888 5,654 SH   SOLE 0 1,126 0 4,528
KINGSTONE COS INC COM 496719105   1,658,340 99,600 SH   SOLE 0 99,600 0 0
LAKELAND INDS INC COM 511795106   1,348,422 66,392 SH   SOLE 0 66,392 0 0
LINDE PLC SHS G54950103   276,590 594 SH   SOLE 0 21 0 573
LISTED FD TR ROUNDHILL MAGNIF 53656G498   447,135 9,750 SH   SOLE 0 9,750 0 0
LOCKHEED MARTIN CORP COM 539830109   1,075,843 2,408 SH   SOLE 0 570 0 1,838
LOWES COS INC COM 548661107   761,461 3,265 SH   SOLE 0 372 0 2,893
MAMAS CREATIONS INC COM 56146T103   1,010,300 155,192 SH   SOLE 0 154,950 0 242
MARRIOTT INTL INC NEW CL A 571903202   1,073,651 4,507 SH   SOLE 0 555 0 3,953
MARSH & MCLENNAN COS INC COM 571748102   530,603 2,174 SH   SOLE 0 208 0 1,966
MASTERCARD INCORPORATED CL A 57636Q104   1,952,637 3,562 SH   SOLE 0 952 0 2,610
MCDONALDS CORP COM 580135101   2,054,548 6,577 SH   SOLE 0 615 0 5,963
MCKESSON CORP COM 58155Q103   578,098 859 SH   SOLE 0 0 0 859
MERCK & CO INC COM 58933Y105   994,725 11,082 SH   SOLE 0 1,293 0 9,789
META PLATFORMS INC CL A 30303M102   1,313,413 2,279 SH   SOLE 0 488 0 1,791
MICROSOFT CORP COM 594918104   4,532,626 12,074 SH   SOLE 0 1,471 0 10,603
MORGAN STANLEY COM NEW 617446448   557,327 4,777 SH   SOLE 0 636 0 4,141
NEXGEL INC COM 65344E107   669,505 224,666 SH   SOLE 0 224,666 0 0
NIKE INC CL B 654106103   401,965 6,332 SH   SOLE 0 723 0 5,609
NORTHROP GRUMMAN CORP COM 666807102   358,772 701 SH   SOLE 0 1 0 700
NVIDIA CORPORATION COM 67066G104   7,140,854 65,887 SH   SOLE 0 59,320 0 6,567
PARKER-HANNIFIN CORP COM 701094104   258,336 425 SH   SOLE 0 100 0 325
PEPSICO INC COM 713448108   476,412 3,177 SH   SOLE 0 128 0 3,049
PROCTER AND GAMBLE CO COM 742718109   1,243,420 7,296 SH   SOLE 0 1,028 0 6,269
PROGRESSIVE CORP COM 743315103   263,765 932 SH   SOLE 0 261 0 671
QUALCOMM INC COM 747525103   1,043,918 6,796 SH   SOLE 0 1,469 0 5,327
RAPID MICRO BIOSYSTEMS INC CLASS A COM 75340L104   346,540 131,265 SH   SOLE 0 131,265 0 0
REPUBLIC SVCS INC COM 760759100   848,361 3,503 SH   SOLE 0 362 0 3,141
RTX CORPORATION COM 75513E101   912,191 6,887 SH   SOLE 0 1,246 0 5,641
SALESFORCE INC COM 79466L302   296,708 1,106 SH   SOLE 0 492 0 614
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   461,657 17,620 SH   SOLE 0 0 0 17,620
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   567,814 25,716 SH   SOLE 0 0 0 25,716
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   377,385 16,107 SH   SOLE 0 0 0 16,107
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   216,783 5,180 SH   SOLE 0 812 0 4,368
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   542,634 6,311 SH   SOLE 0 1,073 0 5,238
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,156,342 12,374 SH   SOLE 0 2,195 0 10,179
SELECT SECTOR SPDR TR INDL 81369Y704   482,675 3,683 SH   SOLE 0 1,042 0 2,641
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   221,974 1,075 SH   SOLE 0 0 0 1,075
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,251,476 15,872 SH   SOLE 0 3,416 0 12,456
SHELL PLC SPON ADS 780259305   583,748 7,966 SH   SOLE 0 0 0 7,966
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,325,043 7,732 SH   SOLE 0 1,895 0 5,837
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   464,710 871 SH   SOLE 0 0 0 871
SPDR SER TR PORTFOLIO S&P500 78464A854   515,149 7,834 SH   SOLE 0 943 0 6,891
SPDR SER TR S&P METALS MNG 78464A755   204,084 3,645 SH   SOLE 0 377 0 3,268
STARBUCKS CORP COM 855244109   472,390 4,816 SH   SOLE 0 1,549 0 3,267
STRYKER CORPORATION COM 863667101   1,465,969 3,938 SH   SOLE 0 608 0 3,330
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   350,248 8,670 SH   SOLE 0 3,185 0 5,485
TEXAS INSTRS INC COM 882508104   1,051,605 5,852 SH   SOLE 0 208 0 5,644
THERMO FISHER SCIENTIFIC INC COM 883556102   244,819 492 SH   SOLE 0 9 0 483
TJX COS INC NEW COM 872540109   1,438,649 11,812 SH   SOLE 0 1,562 0 10,250
TRAVELERS COMPANIES INC COM 89417E109   824,856 3,119 SH   SOLE 0 516 0 2,603
UNITEDHEALTH GROUP INC COM 91324P102   1,835,578 3,505 SH   SOLE 0 955 0 2,550
VALERO ENERGY CORP COM 91913Y100   660,350 5,000 SH   SOLE 0 0 0 5,000
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   288,698 2,925 SH   SOLE 0 0 0 2,925
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,366,058 10,442 SH   SOLE 0 2,150 0 8,292
VANGUARD INDEX FDS VALUE ETF 922908744   1,093,323 6,329 SH   SOLE 0 1,229 0 5,100
VANGUARD INDEX FDS MID CAP ETF 922908629   942,266 3,643 SH   SOLE 0 1,224 0 2,419
VANGUARD INDEX FDS SMALL CP ETF 922908751   667,132 3,008 SH   SOLE 0 0 0 3,008
VANGUARD INDEX FDS GROWTH ETF 922908736   248,373 670 SH   SOLE 0 196 0 474
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   301,461 6,661 SH   SOLE 0 1,335 0 5,326
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   919,384 18,528 SH   SOLE 0 3,251 0 15,277
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   1,468,125 18,204 SH   SOLE 0 0 0 18,204
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,104,517 5,694 SH   SOLE 0 0 0 5,694
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   327,599 6,445 SH   SOLE 0 0 0 6,445
VERIZON COMMUNICATIONS INC COM 92343V104   367,485 8,102 SH   SOLE 0 813 0 7,289
VISA INC COM CL A 92826C839   1,115,142 3,182 SH   SOLE 0 577 0 2,605
WALMART INC COM 931142103   1,525,138 17,373 SH   SOLE 0 2,668 0 14,705
WELLS FARGO CO NEW COM 949746101   452,564 6,304 SH   SOLE 0 604 0 5,700
WISDOMTREE TR INTL LRGCAP DV 97717W794   4,767,420 86,570 SH   SOLE 0 19,710 0 66,860
WISDOMTREE TR JAPN HEDGE EQT 97717W851   10,225,000 92,803 SH   SOLE 0 22,405 0 70,397
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   4,973,103 98,810 SH   SOLE 0 23,444 0 75,366
WISDOMTREE TR US QTLY DIV GRT 97717X669   4,549,672 56,971 SH   SOLE 0 7,291 0 49,680
WORLD GOLD TR SPDR GLD MINIS 98149E303   22,983,907 371,367 SH   SOLE 0 86,680 0 284,687