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
AMAZON COM INC COM 023135106   3,769 36,485 SH   SOLE   0 0 36,485
INVESCO QQQ TR UNIT SER 1 46090E103   361 1,124 SH   SOLE   0 0 1,124
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   276 4,418 SH   SOLE   0 0 4,418
ALNYLAM PHARMACEUTICALS INC COM 02043Q107   236 1,180 SH   SOLE   0 0 1,180
ISHARES GOLD TR ISHARES NEW 464285204   6,552 175,315 SH   SOLE   0 0 175,315
JOHNSON & JOHNSON COM 478160104   694 4,480 SH   SOLE   0 0 4,480
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225   1,821 20,928 SH   SOLE   0 0 20,928
FIRST TR EXCHANGE TRADED FD MATERIALS ALPH 33734X168   1,840 28,169 SH   SOLE   0 0 28,169
LAS VEGAS SANDS CORP COM 517834107   549 9,548 SH   SOLE   0 0 9,548
SPDR SER TR NUVEEN BLMBRG SH 78468R739   3,058 64,301 SH   SOLE   0 0 64,301
LAKELAND BANCORP INC COM 511637100   1,442 92,223 SH   SOLE   0 0 92,223
PROCTER AND GAMBLE CO COM 742718109   561 3,773 SH   SOLE   0 0 3,773
COCA COLA CO COM 191216100   4,331 69,817 SH   SOLE   0 0 69,817
NETFLIX INC COM 64110L106   231 668 SH   SOLE   0 0 668
MERCK & CO INC COM 58933Y105   300 2,818 SH   SOLE   0 0 2,818
UNITED RENTALS INC COM 911363109   522 1,319 SH   SOLE   0 0 1,319
HONEYWELL INTL INC COM 438516106   215 1,127 SH   SOLE   0 0 1,127
ISHARES TR IBONDS DEC2023 46435G318   3,025 118,957 SH   SOLE   0 0 118,957
HOME DEPOT INC COM 437076102   5,109 17,312 SH   SOLE   0 0 17,312
AUTOMATIC DATA PROCESSING IN COM 053015103   1,741 7,819 SH   SOLE   0 0 7,819
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   472 3,223 SH   SOLE   0 0 3,223
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,000 20,890 SH   SOLE   0 0 20,890
ISHARES TR INDIA 50 ETF 464289529   4,564 111,018 SH   SOLE   0 0 111,018
CENOVUS ENERGY INC COM 15135U109   497 28,473 SH   SOLE   0 0 28,473
ISHARES TR IBONDS 27 ETF 46435UAA9   8,842 371,210 SH   SOLE   0 0 371,210
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   18,163 58,823 SH   SOLE   0 0 58,823
PG&E CORP COM 69331C108   257 15,892 SH   SOLE   0 0 15,892
OREILLY AUTOMOTIVE INC COM 67103H107   536 631 SH   SOLE   0 0 631
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   243 3,269 SH   SOLE   0 0 3,269
DIREXION SHS ETF TR DLY SCOND 3XBU 25459W458   732 40,000 SH   SOLE   0 0 40,000
COMCAST CORP NEW CL A 20030N101   248 6,553 SH   SOLE   0 0 6,553
ISHARES TR IBONDS DEC 46435U697   4,239 163,852 SH   SOLE   0 0 163,852
MICROSOFT CORP COM 594918104   5,426 18,820 SH   SOLE   0 0 18,820
CANADIAN NAT RES LTD COM 136385101   495 8,944 SH   SOLE   0 0 8,944
FIRST TR EXCHANGE-TRADED FD NASDQ FOD BVRG 33738R852   1,946 72,405 SH   SOLE   0 0 72,405
AMERIPRISE FINL INC COM 03076C106   308 1,004 SH   SOLE   0 0 1,004
CLOUDFLARE INC CL A COM 18915M107   267 4,337 SH   SOLE   0 0 4,337
ISHARES TR IBDS DEC28 ETF 46435U515   8,031 322,030 SH   SOLE   0 0 322,030
TESLA INC COM 88160R101   322 1,550 SH   SOLE   0 0 1,550
ISHARES TR IBONDS DEC 25 46435U432   4,192 157,523 SH   SOLE   0 0 157,523
VANGUARD WORLD FDS INF TECH ETF 92204A702   921 2,388 SH   SOLE   0 0 2,388
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   1,799 22,868 SH   SOLE   0 0 22,868
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150   3,918 70,527 SH   SOLE   0 0 70,527
KKR & CO INC COM 48251W104   236 4,500 SH   SOLE   0 0 4,500
ISHARES TR IBONDS DEC 26 46435U259   1,506 58,981 SH   SOLE   0 0 58,981
ISHARES TR IBONDS DEC 28 46435U325   1,346 52,588 SH   SOLE   0 0 52,588
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   13,838 95,683 SH   SOLE   0 0 95,683
ISHARES TR IBONDS DEC 27 46435U283   1,408 55,315 SH   SOLE   0 0 55,315
ISHARES TR IBONDS DEC 29 46436E205   8,072 352,792 SH   SOLE   0 0 352,792
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   2,069 14,101 SH   SOLE   0 0 14,101
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   316 5,064 SH   SOLE   0 0 5,064
MARATHON PETE CORP COM 56585A102   341 2,526 SH   SOLE   0 0 2,526
VISA INC COM CL A 92826C839   259 1,148 SH   SOLE   0 0 1,148
ISHARES TR MSCI USA MIN VOL 46429B697   405 5,561 SH   SOLE   0 0 5,561
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   278 3,829 SH   SOLE   0 0 3,829
CHENIERE ENERGY INC COM NEW 16411R208   267 1,696 SH   SOLE   0 0 1,696
META PLATFORMS INC CL A 30303M102   235 1,111 SH   SOLE   0 0 1,111
ISHARES INC JP MRGN EM HI BD 464286285   9,210 261,342 SH   SOLE   0 0 261,342
PIMCO DYNAMIC INCOME FD SHS 72201Y101   656 36,379 SH   SOLE   0 0 36,379
ALPS ETF TR SECTR DIV DOGS 00162Q858   1,195 23,331 SH   SOLE   0 0 23,331
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   328 4,004 SH   SOLE   0 0 4,004
NVIDIA CORPORATION COM 67066G104   403 1,450 SH   SOLE   0 0 1,450
ISHARES TR SHORT TREAS BD 464288679   187,715 1,698,780 SH   SOLE   0 0 1,698,780
CHURCH & DWIGHT CO INC COM 171340102   242 2,735 SH   SOLE   0 0 2,735
STRYKER CORPORATION COM 863667101   218 764 SH   SOLE   0 0 764
GENERAL DYNAMICS CORP COM 369550108   228 999 SH   SOLE   0 0 999
CISCO SYS INC COM 17275R102   302 5,770 SH   SOLE   0 0 5,770
GENERAL ELECTRIC CO COM NEW 369604301   847 8,864 SH   SOLE   0 0 8,864
ISHARES TR IBONDS DEC2026 46435GAA0   8,772 369,665 SH   SOLE   0 0 369,665
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837   13,816 181,866 SH   SOLE   0 0 181,866
JPMORGAN CHASE & CO COM 46625H100   919 7,049 SH   SOLE   0 0 7,049
CHEVRON CORP NEW COM 166764100   4,659 28,556 SH   SOLE   0 0 28,556
ISHARES TR NATIONAL MUN ETF 464288414   1,237 11,486 SH   SOLE   0 0 11,486
ACACIA RESH CORP ACACIA TCH COM 003881307   46 12,000 SH   SOLE   0 0 12,000
WALMART INC COM 931142103   233 1,578 SH   SOLE   0 0 1,578
TEXAS INSTRS INC COM 882508104   206 1,106 SH   SOLE   0 0 1,106
PFIZER INC COM 717081103   308 7,548 SH   SOLE   0 0 7,548
CATERPILLAR INC COM 149123101   4,004 17,498 SH   SOLE   0 0 17,498
ALPHABET INC CAP STK CL C 02079K107   3,778 36,229 SH   SOLE   0 0 36,229
AMERICAN EXPRESS CO COM 025816109   220 1,335 SH   SOLE   0 0 1,335
ISHARES TR CORE US AGGBD ET 464287226   1,611 16,171 SH   SOLE   0 0 16,171
ISHARES TR BLACKROCK ULTRA 46434V878   1,899 37,796 SH   SOLE   0 0 37,796
GARTNER INC COM 366651107   535 1,642 SH   SOLE   0 0 1,642
EXXON MOBIL CORP COM 30231G102   3,251 29,643 SH   SOLE   0 0 29,643
UNITEDHEALTH GROUP INC COM 91324P102   4,762 10,077 SH   SOLE   0 0 10,077
ON SEMICONDUCTOR CORP COM 682189105   285 3,464 SH   SOLE   0 0 3,464
SHOPIFY INC CL A 82509L107   561 11,712 SH   SOLE   0 0 11,712
AUTOZONE INC COM 053332102   536 218 SH   SOLE   0 0 218
APPLE INC COM 037833100   8,444 51,207 SH   SOLE   0 0 51,207
ISHARES TR IBONDS DEC23 ETF 46434VAX8   9,732 386,357 SH   SOLE   0 0 386,357
ISHARES TR IBONDS DEC25 ETF 46434VBD1   17,096 696,961 SH   SOLE   0 0 696,961
ISHARES TR IBONDS DEC24 ETF 46434VBG4   25,689 1,044,683 SH   SOLE   0 0 1,044,683
INSULET CORP COM 45784P101   550 1,724 SH   SOLE   0 0 1,724