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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co COM 88579Y101 3,192 24,666 SH   SOLE   24,666 0 0
Abbott Laboratories COM 002824100 627 5,770 SH   SOLE   5,770 0 0
Abbvie Inc COM 00287Y109 1,899 12,400 SH   SOLE   12,400 0 0
Accenture PLC Cl A COM G1151C101 1,733 6,243 SH   SOLE   6,243 0 0
Adobe Inc COM 00724F101 1,349 3,684 SH   SOLE   3,684 0 0
Advanced Micro Devices COM 007903107 946 12,372 SH   SOLE   12,372 0 0
Alphabet Inc - Class A COM 02079K305 7,551 3,465 SH   SOLE   3,465 0 0
Alphabet Inc - Class C COM 02079K107 2,894 1,323 SH   SOLE   1,323 0 0
Altegris Multi Strategy Fund COM 001011961 266 122 SH   SOLE   122 0 0
Altria Group Inc COM 02209S103 260 6,232 SH   SOLE   6,232 0 0
Amazon.Com Inc COM 023135106 5,807 54,671 SH   SOLE   54,671 0 0
American Express COM 025816109 3,711 26,770 SH   SOLE   25,820 0 950
American Tower Corp COM 03027X100 218 853 SH   SOLE   853 0 0
Amerisourcebergen Corp Com COM 03073E105 231 1,632 SH   SOLE   1,632 0 0
AMG Pantheon Private Equity COM 1114852D9 160 160,000 SH   SOLE   160,000 0 0
AMG Pantheon Private Equity COM 1114852D9 2,625 2,625,000 SH   SOLE   2,625,000 0 0
Amgen Inc COM 031162100 2,282 9,379 SH   SOLE   9,379 0 0
Amyris Inc COM 03236M200 25 13,530 SH   SOLE   13,530 0 0
Apple Inc COM 037833100 28,873 211,182 SH   SOLE   211,168 0 14
Applied Materials COM 038222105 485 5,336 SH   SOLE   5,336 0 0
Aptiv PLC COM g6095l109 497 5,582 SH   SOLE   5,582 0 0
AT&T Inc COM 00206R102 949 45,263 SH   SOLE   45,263 0 0
Automatic Data Processing COM 053015103 967 4,604 SH   SOLE   4,404 0 200
Auxly Cannabis Group COM 04957F101 3 47,500 SH   SOLE   47,500 0 0
Bank Of America Corp COM 060505104 2,168 69,635 SH   SOLE   69,635 0 0
Bank Of America Corp 6 PFD PFD 060505229 202 8,000 SH   SOLE   8,000 0 0
Berkshire Hathaway Inc-CL B COM 084670702 10,574 38,728 SH   SOLE   38,133 0 595
Blackrock Inc COM 09247X101 3,940 6,470 SH   SOLE   6,470 0 0
Blackrock Short Maturity Bon ETF 46431W507 4,902 99,509 SH   SOLE   97,514 0 1,995
Blackstone Inc COM 09260D107 682 7,477 SH   SOLE   7,477 0 0
Boeing Co COM 097023105 1,048 7,667 SH   SOLE   7,667 0 0
Bridgebio Pharma Inc. COM 10806x102 473 52,087 SH   SOLE   52,087 0 0
Bristol-Myers Squibb Co COM 110122108 2,111 27,417 SH   SOLE   27,417 0 0
Broadcom Ltd COM 11135F101 1,056 2,174 SH   SOLE   2,174 0 0
Cable One Inc COM 12685J105 388 301 SH   SOLE   301 0 0
Caribou Biosciences Inc COM 142038108 70 12,903 SH   SOLE   12,903 0 0
Caterpillar Incorporated COM 149123101 662 3,701 SH   SOLE   3,701 0 0
CBD of Denver Inc COM 12482B107 1 295,100 SH   SOLE   295,100 0 0
Chevron Corporation COM 166764100 2,546 17,588 SH   SOLE   17,588 0 0
CIM Opportunity Zone Fund LP COM 13599Y105 150 150,000 SH   SOLE   150,000 0 0
Cisco Systems COM 17275R102 2,939 68,915 SH   SOLE   68,915 0 0
Citigroup Inc COM 172967424 1,229 26,721 SH   SOLE   26,701 0 20
Clarion Ventures Opp Zone Fd COM 1BZ993102 150 150,000 SH   SOLE   150,000 0 0
Clorox Co COM 189054109 796 5,643 SH   SOLE   5,643 0 0
Coca-Cola Co COM 191216100 3,717 59,091 SH   SOLE   58,291 0 800
Colgate-Palmolive COM 194162103 926 11,555 SH   SOLE   11,555 0 0
Comcast Corp Cl A COM 20030N101 766 19,520 SH   SOLE   19,520 0 0
ConocoPhillips COM 20825C104 388 4,324 SH   SOLE   4,224 0 100
Consolidated Edison COM 209115104 295 3,099 SH   SOLE   3,099 0 0
Constellation Brands Inc - A COM 21036P108 453 1,943 SH   SOLE   1,943 0 0
Costco Wholesale Corp COM 22160K105 2,330 4,861 SH   SOLE   4,861 0 0
CSX Corp COM 126408103 1,400 48,190 SH   SOLE   48,190 0 0
Cummins Inc COM 231021106 1,053 5,442 SH   SOLE   5,442 0 0
CVS Health Corp COM 126650100 256 2,763 SH   SOLE   2,763 0 0
Danaher Corp COM 235851102 360 1,420 SH   SOLE   1,420 0 0
Deere & Co COM 244199105 489 1,632 SH   SOLE   1,632 0 0
Diageo Plc-Sponsored Adr ADR 25243Q205 2,082 11,959 SH   SOLE   11,459 0 500
Docusign Inc COM 256163106 323 5,628 SH   SOLE   5,628 0 0
Dominion Energy Inc COM 25746U109 757 9,489 SH   SOLE   9,489 0 0
Drone Guarder Inc COM 26211L103 0 12,070 SH   SOLE   12,070 0 0
Duke Energy Corp COM 26441C204 408 3,806 SH   SOLE   3,806 0 0
Eaton Corp PLC COM G29183103 313 2,481 SH   SOLE   2,481 0 0
Elanco Animal Health Inc COM 28414H103 375 19,085 SH   SOLE   19,085 0 0
Elevance Health Inc COM 036752103 618 1,280 SH   SOLE   1,280 0 0
Eli Lilly & Co COM 532457108 799 2,463 SH   SOLE   2,463 0 0
Emerson Elec Co COM 291011104 760 9,559 SH   SOLE   9,559 0 0
Energy Select Sector SPDR Fu ETF 81369Y506 621 8,680 SH   SOLE   8,680 0 0
Enterprise Prods Partners Ma COM 293792107 260 10,651 SH   SOLE   10,651 0 0
Exxon Mobil Corp COM 30231G102 1,761 20,561 SH   SOLE   20,311 0 250
Fedex Corp COM 31428X106 774 3,412 SH   SOLE   3,412 0 0
First Trust DJ Internet ETF 33733e302 2,137 16,823 SH   SOLE   16,823 0 0
First Trust Ise Cloud Comput ETF 33734X192 268 4,070 SH   SOLE   4,070 0 0
First Trust NASDAQ Cybersecu ETF 33734x846 4,134 102,737 SH   SOLE   102,737 0 0
First Trust NASDAQ Rising Di ETF 33738r506 755 18,454 SH   SOLE   17,514 0 940
First Trust Senior Loan ETF ETF 33738d309 654 14,835 SH   SOLE   14,835 0 0
First Trust TCW Opportunisti ETF 33740f805 277 5,980 SH   SOLE   5,980 0 0
Flexshares Global Upstream N ETF 33939L407 3,355 84,579 SH   SOLE   84,579 0 0
FlexShares iBoxx 3 Yr Target ETF 33939l506 11,257 453,727 SH   SOLE   453,212 0 515
Ford Motor Co (New) COM 345370860 150 13,438 SH   SOLE   13,438 0 0
FPL Group Inc COM 302571104 106 18,323 SH   SOLE   18,323 0 0
Fuse Cobalt Inc COM 36116V106 1 25,000 SH   SOLE   25,000 0 0
General Dynamics Corp COM 369550108 283 1,277 SH   SOLE   1,277 0 0
General Mills COM 370334104 2,328 30,856 SH   SOLE   30,856 0 0
General Motors COM 37045V100 402 12,663 SH   SOLE   12,663 0 0
Gilead Sciences Inc COM 375558103 1,106 17,886 SH   SOLE   17,886 0 0
Global Lithium & Battery Tec ETF 37954y855 209 2,880 SH   SOLE   2,880 0 0
Global Security & Intellige COM 379369101 0 10,000 SH   SOLE   10,000 0 0
Global X Robotics & Artifici ETF 37954y715 434 21,380 SH   SOLE   21,380 0 0
Goldman Sachs Group Inc COM 38141G104 1,275 4,293 SH   SOLE   4,293 0 0
Graham Holdings Co-Class B COM 384637104 324 572 SH   SOLE   572 0 0
Health Care Select Sector SP ETF 81369Y209 243 1,893 SH   SOLE   1,893 0 0
Helen of Troy Ltd COM G4388n106 260 1,600 SH   SOLE   1,600 0 0
Home Depot Inc COM 437076102 3,914 14,271 SH   SOLE   14,271 0 0
Honeywell International COM 438516106 618 3,555 SH   SOLE   3,555 0 0
Humana Inc Com COM 444859102 291 621 SH   SOLE   621 0 0
iCapital Multi-Strategy Fd L COM 0DU991025 140 140,000 SH   SOLE   140,000 0 0
Icon Plc COM G4705A100 217 1,000 SH   SOLE   1,000 0 0
Illinois Tool Works Inc COM 452308109 434 2,380 SH   SOLE   2,380 0 0
Intel Corp COM 458140100 2,273 60,748 SH   SOLE   60,748 0 0
International Business Machi COM 459200101 1,582 11,207 SH   SOLE   11,207 0 0
Intl Meta Sys COM 45986B108 0 37,000 SH   SOLE   37,000 0 0
Invesco QQQ Trust Series I ETF 46090E103 11,074 39,512 SH   SOLE   39,467 0 45
Invesco S&P 500 Equal Weight ETF 46137V357 7,979 59,446 SH   SOLE   59,251 0 195
Invesco Variable Rate Prefer ETF 46138g870 685 30,878 SH   SOLE   30,878 0 0
IQ Merger Arbitrage ETF 45409B800 1,803 58,240 SH   SOLE   58,240 0 0
iShares 1-5 Year Inv Gr Corp ETF 464288646 800 15,823 SH   SOLE   15,823 0 0
iShares Barclays 3-7 Yr Trea ETF 464288661 3,688 30,906 SH   SOLE   30,906 0 0
iShares Barclays TIPS Bond F ETF 464287176 530 4,650 SH   SOLE   4,650 0 0
iShares COMEX Gold Trust ETF 464285204 286 8,330 SH   SOLE   8,330 0 0
iShares Commodities Sel Stra ETF 46431w853 244 5,967 SH   SOLE   5,967 0 0
iShares Core Dividend Growth ETF 46434V621 259 5,433 SH   SOLE   5,433 0 0
iShares Core MSCI Emerging M ETF 46434G103 3,009 61,327 SH   SOLE   61,068 0 259
iShares Core MSCI Total Intl ETF 46432f834 701 12,290 SH   SOLE   12,290 0 0
iShares Core S&P 500 Index F ETF 464287200 10,269 27,085 SH   SOLE   27,060 0 25
iShares Core S&P S/C ETF ETF 464287804 12,397 134,149 SH   SOLE   134,149 0 0
iShares Edge MSCI Multifacto ETF 46434v274 208 8,860 SH   SOLE   8,860 0 0
iShares Edge MSCI USA Moment ETF 46432f396 549 4,025 SH   SOLE   3,995 0 30
iShares ESG MSCI USA Small-C ETF 46435U663 278 8,835 SH   SOLE   8,835 0 0
iShares Floating Rate Bond E ETF 46429B655 830 16,629 SH   SOLE   16,629 0 0
iShares GSCI Commodity Index ETF 46428r107 1,568 67,875 SH   SOLE   67,875 0 0
IShares High Dividend Eq Fd ETF 46429b663 272 2,705 SH   SOLE   2,705 0 0
iShares Lehman 7-10 Year Bon ETF 464287440 422 4,121 SH   SOLE   4,100 0 21
iShares MSCI ACWI ex US ETF ETF 464288240 627 13,935 SH   SOLE   13,935 0 0
iShares MSCI EAFE Index Fund ETF 464287465 594 9,500 SH   SOLE   9,466 0 34
iShares MSCI EAFE Small Cap ETF 464288273 3,886 71,182 SH   SOLE   71,182 0 0
iShares MSCI USA ESG Select ETF 464288802 304 3,765 SH   SOLE   3,765 0 0
iShares MSCI USA Quality ETF 46432F339 22,009 196,986 SH   SOLE   196,506 0 480
iShares Nasdaq Biotechnology ETF 464287556 207 1,763 SH   SOLE   1,763 0 0
iShares Preferred & Inc Secu ETF 464288687 616 18,730 SH   SOLE   18,730 0 0
iShares Russell 1000 Growth ETF 464287614 340 1,554 SH   SOLE   1,554 0 0
iShares Russell 1000 Value I ETF 464287598 630 4,343 SH   SOLE   4,343 0 0
iShares Russell 2000 Growth ETF 464287648 795 3,853 SH   SOLE   3,853 0 0
iShares Russell 2000 Value I ETF 464287630 680 4,996 SH   SOLE   4,996 0 0
iShares S&P Glbl Energy Sect ETF 464287341 366 10,811 SH   SOLE   10,811 0 0
iShares S&P National AMT Fre ETF 464288414 622 5,851 SH   SOLE   5,851 0 0
iShares S&P Smallcap 600 Gro ETF 464287887 527 5,007 SH   SOLE   5,007 0 0
iShares S&P Smallcap 600 Val ETF 464287879 1,918 21,546 SH   SOLE   21,546 0 0
iShares Tr Russell 2000 ETF 464287655 5,302 31,306 SH   SOLE   31,306 0 0
Ishares Tr Russell Midcap ETF 464287499 605 9,354 SH   SOLE   9,354 0 0
iShares Tr S&P 100 Index Fd ETF 464287101 489 2,836 SH   SOLE   2,836 0 0
iShares Tr S&P Midcap 400 ETF 464287507 6,901 30,503 SH   SOLE   30,503 0 0
iShares Ultra Short-Term Bon ETF 46434v878 252 5,033 SH   SOLE   5,033 0 0
Johnson & Johnson COM 478160104 16,365 92,190 SH   SOLE   91,540 0 650
JP Morgan Ultra-Short Income ETF 46641Q837 2,660 53,097 SH   SOLE   53,097 0 0
JPMorgan Chase & Co COM 46625H100 4,266 37,885 SH   SOLE   37,385 0 500
JPMorgan Diversified Return ETF 46641Q845 760 20,319 SH   SOLE   20,319 0 0
JPMorgan Equity Premium ETF ETF 46641Q332 421 7,590 SH   SOLE   7,590 0 0
Kimberly-Clark COM 494368103 279 2,067 SH   SOLE   2,067 0 0
KLA Corp COM 482480100 868 2,720 SH   SOLE   2,720 0 0
Lam Research COM 512807108 341 801 SH   SOLE   801 0 0
Lear Corporation COM 521865204 240 1,910 SH   SOLE   1,910 0 0
Linde PLC COM g5494j103 389 1,352 SH   SOLE   1,352 0 0
Lockheed Martin Corporation COM 539830109 2,809 6,533 SH   SOLE   6,533 0 0
Lowe's Companies Inc COM 548661107 969 5,545 SH   SOLE   5,545 0 0
Lumentum Holdings Inc COM 55024u109 713 8,975 SH   SOLE   8,975 0 0
LyondellBasell Indus NV COM N53745100 1,592 18,197 SH   SOLE   18,197 0 0
Madison Square Garden Entert COM 55826T102 218 4,143 SH   SOLE   608 0 3,535
Madison Square Garden Sports COM 55825T103 693 4,588 SH   SOLE   838 0 3,750
Marathon Petroleum Corp COM 56585A102 343 4,169 SH   SOLE   4,169 0 0
Market Vectors Semiconductor ETF 92189f676 377 1,850 SH   SOLE   1,850 0 0
Marsh & Mclennan COM 571748102 532 3,428 SH   SOLE   3,428 0 0
Mastercard Inc Class A COM 57636q104 4,787 15,172 SH   SOLE   15,172 0 0
Mazda Motor - Unsp ADR ADR 578787103 40 10,000 SH   SOLE   10,000 0 0
McDonald's Corp COM 580135101 4,254 17,230 SH   SOLE   17,230 0 0
McKesson Corp COM 58155Q103 363 1,114 SH   SOLE   1,114 0 0
Medtronic PLC COM G5960L103 557 6,203 SH   SOLE   6,203 0 0
Merck & Co COM 58933Y105 5,765 63,234 SH   SOLE   63,234 0 0
Meta Platforms Inc - A COM 30303M102 1,282 7,950 SH   SOLE   7,950 0 0
Micron Technology Inc COM 595112103 319 5,771 SH   SOLE   5,771 0 0
Microsoft Corp COM 594918104 21,645 84,279 SH   SOLE   83,579 0 700
Mondelez International Inc COM 609207105 557 8,965 SH   SOLE   8,965 0 0
Morgan Stanley COM 617446448 4,379 57,570 SH   SOLE   57,370 0 200
Nestle Sa-Spons Adr ADR 641069406 4,543 39,031 SH   SOLE   38,431 0 600
Netflix Inc COM 64110L106 618 3,535 SH   SOLE   3,535 0 0
New Jersey Resource Corp COM 646025106 1,020 22,915 SH   SOLE   22,915 0 0
Nextera Energy Inc COM 65339F101 1,333 17,204 SH   SOLE   17,204 0 0
Nike Inc - B COM 654106103 552 5,403 SH   SOLE   5,403 0 0
Norfolk Southern COM 655844108 626 2,753 SH   SOLE   2,753 0 0
NorthStar HealthCare Income COM 66799d107 98 25,000 SH   SOLE   25,000 0 0
Novartis AG - ADR ADR 66987V109 418 4,947 SH   SOLE   4,447 0 500
NVIDIA Corp COM 67066G104 2,056 13,565 SH   SOLE   13,565 0 0
OGE Energy Corp COM 670837103 274 7,110 SH   SOLE   7,110 0 0
Oracle Corp COM 68389X105 575 8,235 SH   SOLE   8,235 0 0
Paramount Global COM 92556H206 382 15,484 SH   SOLE   15,484 0 0
Paychex COM 704326107 1,519 13,340 SH   SOLE   12,840 0 500
Paypal Inc COM 70450y103 350 5,009 SH   SOLE   5,009 0 0
Pepsico Inc COM 713448108 4,623 27,737 SH   SOLE   27,737 0 0
Pfizer Inc COM 717081103 6,175 117,767 SH   SOLE   117,667 0 100
Philip Morris Intl COM 718172109 357 3,620 SH   SOLE   3,620 0 0
Phillips 66 COM 718546104 265 3,231 SH   SOLE   3,181 0 50
Pimco Enhanced Short Maturit ETF 72201r833 885 8,927 SH   SOLE   8,927 0 0
PIMCO Total Return ETF ETF 72201R775 582 6,109 SH   SOLE   6,109 0 0
PNC Fincl Services Group COM 693475105 2,354 14,918 SH   SOLE   14,918 0 0
PPL Corp COM 69351T106 377 13,893 SH   SOLE   13,893 0 0
Procter & Gamble COM 742718109 7,543 52,459 SH   SOLE   52,040 0 419
Public Service Enterprise Gr COM 744573106 409 6,460 SH   SOLE   6,460 0 0
Qorvo Inc COM 74736k101 355 3,760 SH   SOLE   3,760 0 0
Qualcomm Inc COM 747525103 462 3,613 SH   SOLE   3,613 0 0
Raymond James Financial Inc COM 754730109 207 2,316 SH   SOLE   2,316 0 0
Raytheon Tech Corp COM 75513e101 3,350 34,860 SH   SOLE   34,860 0 0
Regeneron Pharmaceuticals COM 75886F107 254 429 SH   SOLE   429 0 0
Robo Global Robotics & Autom ETF 301505707 786 17,475 SH   SOLE   17,475 0 0
Rockwell Automation Inc COM 773903109 208 1,044 SH   SOLE   1,044 0 0
S & P Global Inc COM 78409v104 220 654 SH   SOLE   654 0 0
Salesforce.com Inc COM 79466l302 290 1,755 SH   SOLE   1,755 0 0
Schwab US Broad Martket ETF ETF 808524102 311 7,036 SH   SOLE   7,036 0 0
Schwab US DVD equity ETF ETF 808524797 17,197 240,087 SH   SOLE   239,532 0 555
Schwab US Mid Cap ETF ETF 808524508 1,550 24,703 SH   SOLE   24,703 0 0
Schwab Us Reit Etf ETF 808524847 346 16,409 SH   SOLE   16,409 0 0
Schwab US Small-Cap ETF ETF 808524607 1,024 26,255 SH   SOLE   26,255 0 0
SeaGen Inc COM 81181C104 433 2,445 SH   SOLE   2,445 0 0
Sector SPD AMEX Consumer ETF 81369Y308 285 3,954 SH   SOLE   3,954 0 0
Sector SPDR AMEX Industria ETF 81369Y704 357 4,084 SH   SOLE   4,084 0 0
Sector SPDR AMEX Tech Sele ETF 81369Y803 1,813 14,260 SH   SOLE   14,260 0 0
Southern Co COM 842587107 236 3,316 SH   SOLE   3,316 0 0
SPDR Blackstone/GSO Senior L ETF 78467V608 222 5,325 SH   SOLE   5,325 0 0
SPDR Bloomberg Conv Secs ETF ETF 78464a359 265 4,100 SH   SOLE   4,100 0 0
SPDR Doubleline Total Return ETF 78467V848 2,903 68,832 SH   SOLE   67,412 0 1,420
SPDR Dow Jones Indl Avrg ETF ETF 78467X109 7,068 22,960 SH   SOLE   22,960 0 0
SPDR Gold Trust ETF 78463V107 534 3,168 SH   SOLE   3,168 0 0
Spdr Metals & Mining Etf ETF 78464A755 2,151 49,553 SH   SOLE   49,553 0 0
SPDR Nuveen Bloomberg ST Mun ETF 78468R739 259 5,475 SH   SOLE   5,475 0 0
SPDR S & P Mid-Cap 400 ETF T ETF 78467Y107 4,884 11,812 SH   SOLE   11,812 0 0
SPDR S&P 500 ETF Tr ETF 78462F103 23,006 60,985 SH   SOLE   60,325 0 660
SPDR S&P 600 S/C Value ETF ETF 78464A300 407 5,625 SH   SOLE   5,625 0 0
Starbucks Corp COM 855244109 3,970 51,969 SH   SOLE   51,969 0 0
Sysco Corp COM 871829107 614 7,246 SH   SOLE   7,246 0 0
T Rowe Price Group Inc COM 74144T108 683 6,010 SH   SOLE   6,010 0 0
Take-Two Interactive Softwar COM 874054109 527 4,300 SH   SOLE   4,300 0 0
Target Corp COM 87612E106 494 3,500 SH   SOLE   3,500 0 0
Tesla Inc COM 88160r101 3,347 4,970 SH   SOLE   4,960 0 10
Texas Instruments Inc COM 882508104 387 2,518 SH   SOLE   2,518 0 0
The Charles Schwab COM 808513105 1,087 17,204 SH   SOLE   17,204 0 0
The Hershey Company COM 427866108 358 1,665 SH   SOLE   1,665 0 0
Thermo Fisher Scientific Inc COM 883556102 288 530 SH   SOLE   530 0 0
TJX Companies Inc COM 872540109 259 4,635 SH   SOLE   4,635 0 0
Travelers Companies Inc COM 89417E109 507 2,997 SH   SOLE   2,997 0 0
Trimble Inc COM 896239100 215 3,694 SH   SOLE   3,694 0 0
Truist Financial Corp COM 89832q109 317 6,677 SH   SOLE   6,677 0 0
Union Pac Corp COM 907818108 453 2,122 SH   SOLE   2,122 0 0
United Parcel Service -Cl B COM 911312106 3,868 21,190 SH   SOLE   21,190 0 0
Unitedhealth Group Inc COM 91324P102 3,978 7,745 SH   SOLE   7,745 0 0
US Bancorp New COM 902973304 251 5,452 SH   SOLE   5,452 0 0
Valero Energy Corp New COM 91913Y100 1,736 16,331 SH   SOLE   16,331 0 0
Valley National Bancorp COM 919794107 128 12,265 SH   SOLE   12,265 0 0
Vanguard Bd Index Fd Tot Mkt ETF 921937835 4,263 56,647 SH   SOLE   55,602 0 1,045
Vanguard Consumer Discretion ETF 92204a108 773 3,400 SH   SOLE   3,400 0 0
Vanguard Cunsumer Staples ETF 92204A207 351 1,894 SH   SOLE   1,894 0 0
Vanguard Dividend Appreciati ETF 921908844 778 5,425 SH   SOLE   5,425 0 0
Vanguard Energy ETF ETF 92204A306 224 2,254 SH   SOLE   2,254 0 0
Vanguard ESG International S ETF 921910725 237 4,840 SH   SOLE   4,840 0 0
Vanguard ESG US ETF ETF 921910733 313 4,710 SH   SOLE   4,710 0 0
Vanguard Extended Market ETF ETF 922908652 1,149 8,768 SH   SOLE   8,750 0 18
Vanguard Financials ETF ETF 92204A405 499 6,459 SH   SOLE   6,459 0 0
Vanguard FTSE ALL WO X-US SC ETF 922042718 905 8,770 SH   SOLE   8,770 0 0
Vanguard FTSE All World Ex U ETF 922042775 10,138 202,915 SH   SOLE   202,395 0 520
Vanguard FTSE Developed Mark ETF 921943858 9,919 243,113 SH   SOLE   243,113 0 0
Vanguard FTSE Emerging Marke ETF 922042858 3,318 79,658 SH   SOLE   79,658 0 0
Vanguard FTSE Europe ETF ETF 922042874 337 6,383 SH   SOLE   6,383 0 0
Vanguard Health Care ETF ETF 92204A504 254 1,078 SH   SOLE   1,078 0 0
Vanguard High Div Yield ETF ETF 921946406 23,192 228,047 SH   SOLE   227,677 0 370
Vanguard Information Technol ETF 92204A702 336 1,030 SH   SOLE   1,030 0 0
Vanguard Interm-Term Govt Bd ETF 92206C706 1,022 16,710 SH   SOLE   16,710 0 0
Vanguard Intl Hi Div Yield I ETF 921946794 1,027 17,465 SH   SOLE   17,465 0 0
Vanguard Large Cap ETF ETF 922908637 3,748 21,745 SH   SOLE   21,745 0 0
Vanguard Mid-Cap ETF ETF 922908629 1,826 9,269 SH   SOLE   9,269 0 0
Vanguard REIT ETF ETF 922908553 913 10,025 SH   SOLE   10,025 0 0
Vanguard S&P 500 ETF ETF 922908363 2,978 8,586 SH   SOLE   8,560 0 26
Vanguard S&P 500 Growth ETF ETF 921932505 653 3,000 SH   SOLE   3,000 0 0
Vanguard Short Term Corp Bon ETF 92206C409 7,667 100,534 SH   SOLE   99,494 0 1,040
Vanguard Short-Term TIPS Ind ETF 922020805 244 4,873 SH   SOLE   4,873 0 0
Vanguard Small-Cap ETF ETF 922908751 19,461 110,504 SH   SOLE   110,368 0 136
Vanguard Tax Exempt Bond ETF ETF 922907746 984 19,715 SH   SOLE   19,715 0 0
Vanguard Total Intl Stock In ETF 921909768 3,173 61,485 SH   SOLE   61,485 0 0
Vanguard Total World Stock E ETF 922042742 347 4,067 SH   SOLE   4,067 0 0
Vanguard US Total Stock Mark ETF 922908769 13,917 73,785 SH   SOLE   73,675 0 110
Verizon Communications COM 92343V104 4,154 81,852 SH   SOLE   81,852 0 0
Visa Inc Class A Shares COM 92826C839 1,581 8,030 SH   SOLE   8,030 0 0
Wal Mart Stores Inc COM 931142103 5,375 44,213 SH   SOLE   43,913 0 300
Walt Disney Co COM 254687106 4,712 49,917 SH   SOLE   49,017 0 900
Waste Management Inc COM 94106L109 593 3,874 SH   SOLE   3,224 0 650
Waters Corp COM 941848103 544 1,643 SH   SOLE   1,643 0 0
Wells Fargo Company COM 949746101 292 7,460 SH   SOLE   7,460 0 0
Welltower Inc COM 95040q104 2,482 30,137 SH   SOLE   30,137 0 0
WisdomTree Bloomberg Fl Rate ETF 97717y527 277 5,501 SH   SOLE   5,501 0 0
Wisdomtree MidCap Dividend F ETF 97717W505 1,565 40,145 SH   SOLE   40,145 0 0
Wisdomtree SmallCap Dividend ETF 97717W604 807 28,613 SH   SOLE   28,613 0 0
Zoetis Inc COM 98978V103 325 1,889 SH   SOLE   1,889 0 0