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
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF Equity 808524862 5,431 106,806 SH   SOLE   106,806 0 0
ISHARES TR 1-3 YR TREAS BD ETF Equity 464287457 9,016 105,406 SH   SOLE   105,406 0 0
PALANTIR TECHNOLOGIES INC CL A Equity 69608A108 1,874 102,928 SH   SOLE   102,928 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS NEW Equity 922908363 32,468 74,370 SH   SOLE   74,370 0 0
ANNALY CAP MGMT INC COM Equity 035710409 541 69,166 SH   SOLE   69,166 0 0
ISHARES TR CORE U S AGGREGATE BD ETF Equity 464287226 7,652 67,079 SH   SOLE   67,079 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF Equity 922908769 16,182 67,023 SH   SOLE   67,023 0 0
F N B CORP PA COM Equity 302520101 796 65,656 SH   SOLE   65,656 0 0
CLOUGH GLOBAL EQUITY FD COM Equity 18914C100 821 62,481 SH   SOLE   62,481 0 0
APPLE INC COM Equity 037833100 10,145 57,130 SH   SOLE   57,130 0 0
GUGGENHEIM STRATEGIC OPPORTUNITIES FD COM SHS OF BEN INT Equity 40167F101 999 54,525 SH   SOLE   54,525 0 0
PIMCO DYNAMIC INCOME FD SHS Equity 72201Y101 1,348 52,033 SH   SOLE   52,033 0 0
PIMCO MUN INCOME FD III COM Equity 72201A103 656 51,452 SH   SOLE   51,452 0 0
GLOBALSTAR INC COM Equity 378973408 58 50,000 SH   SOLE   50,000 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EMERGING MKTS ETF Equity 922042858 2,458 49,691 SH   SOLE   49,691 0 0
DUFF & PHELPS UTIL & INFRASTRUCTURE FD INC COM Equity 26433C105 608 42,156 SH   SOLE   42,156 0 0
ISHARES TR MSCI EMERGING MKTS INDEX FD Equity 464287234 2,054 42,049 SH   SOLE   42,049 0 0
INVESCO QQQ TR UNIT SER 1 Equity 46090E103 16,115 40,506 SH   SOLE   40,506 0 0
CHIMERA INVT CORP COM NEW Equity 16934Q208 597 39,585 SH   SOLE   39,585 0 0
PIMCO MUN INCOME FD II COM Equity 72200W106 561 38,379 SH   SOLE   38,379 0 0
BANK OF AMERICA CORPORATION COM Equity 060505104 1,569 35,270 SH   SOLE   35,270 0 0
COMCAST CORP CL A Equity 20030N101 1,585 31,494 SH   SOLE   31,494 0 0
ISHARES TR CORE S&P 500 ETF Equity 464287200 14,325 30,032 SH   SOLE   30,032 0 0
ISHARES TR CORE S&P MID-CAP ETF Equity 464287507 8,052 28,444 SH   SOLE   28,444 0 0
ISHARES TR RUSSELL 2000 ETF Equity 464287655 5,900 26,521 SH   SOLE   26,521 0 0
JP MORGAN CHASE & CO COM ISIN#US46625H1005 Equity 46625H100 4,107 25,939 SH   SOLE   25,939 0 0
CISCO SYSTEMS INC Equity 17275R102 1,528 24,115 SH   SOLE   24,115 0 0
EATON VANCE TAX-ADVANTAGED GLOBAL DIVID OPPORTUNITIES FD COM Equity 27828U106 776 23,863 SH   SOLE   23,863 0 0
MARVELL TECHNOLOGY INC COMMON Equity 573874104 2,006 22,929 SH   SOLE   22,929 0 0
MICROSOFT CORP COM Equity 594918104 7,654 22,757 SH   SOLE   22,757 0 0
HORIZON TECHNOLOGY FINANCE CORP COM Equity 44045A102 350 22,000 SH   SOLE   22,000 0 0
EATON VANCE TAX-ADVANTAGED GLOBAL DIVID INCOME FD COM ISIN#US27828S1015 Equity 27828S101 492 21,625 SH   SOLE   21,625 0 0
FIFTH THIRD BANCORP COM Equity 316773100 917 21,050 SH   SOLE   21,050 0 0
AGNC INVT CORP COM Equity 00123Q104 301 20,000 SH   SOLE   20,000 0 0
QUALCOMM INC Equity 747525103 3,558 19,455 SH   SOLE   19,455 0 0
BRISTOL MYERS SQUIBB CO COM Equity 110122108 1,196 19,178 SH   SOLE   19,178 0 0
ISHARES TR MSCI EAFE ETF Equity 464287465 1,467 18,647 SH   SOLE   18,647 0 0
FIRST TR EXCHANGE- TRADED FD VIII TCW OPPORTUNISTIC FXD INCOME ETF Equity 33740F805 903 16,970 SH   SOLE   16,970 0 0
ORACLE CORP COM Equity 68389X105 1,405 16,111 SH   SOLE   16,111 0 0
EATON VANCE TAX MANAGED GLOBAL DIVERSIFIED INCOME FD COM Equity 27829F108 170 15,962 SH   SOLE   15,962 0 0
ISHARES TR RUSSELL 1000 ETF Equity 464287622 4,051 15,321 SH   SOLE   15,321 0 0
NIKE INC CL B Equity 654106103 2,426 14,554 SH   SOLE   14,554 0 0
MASTERCARD INC CL A COM Equity 57636Q104 5,188 14,438 SH   SOLE   14,438 0 0
JOHNSON & JOHNSON COM Equity 478160104 2,433 14,222 SH   SOLE   14,222 0 0
PUBLIC SVC ENTERPRISE GROUP INC COM Equity 744573106 874 13,097 SH   SOLE   13,097 0 0
DANAHER CORP COM Equity 235851102 4,290 13,039 SH   SOLE   13,039 0 0
MAINSTAY MACKAY DEFINEDTERM MUNI OPPRTNYS FD COM Equity 56064K100 262 12,041 SH   SOLE   12,041 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY MUN INTERMEDIATE ETF Equity 45409F827 320 11,988 SH   SOLE   11,988 0 0
HOME DEPOT INC COM Equity 437076102 4,915 11,843 SH   SOLE   11,843 0 0
BLACKROCK MUNIYIELD N J FD INC COM Equity 09254Y109 184 11,633 SH   SOLE   11,633 0 0
LOWES COS INC COM Equity 548661107 2,827 10,936 SH   SOLE   10,936 0 0
INVESCO EXCHANGE-TRADED FD TR S&P 500 EQUAL WEIGHT ETF Equity 46137V357 1,755 10,781 SH   SOLE   10,781 0 0
ISHARES TR CORE MSCI EAFE ETF Equity 46432F842 804 10,774 SH   SOLE   10,774 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Equity 084670702 3,073 10,277 SH   SOLE   10,277 0 0
ARCHROCK INC COM Equity 03957W106 76 10,152 SH   DFND 1 8,976 1,176 0
INTEL CORP COM Equity 458140100 511 9,924 SH   SOLE   9,924 0 0
NVIDIA CORP COM Equity 67066G104 2,836 9,644 SH   SOLE   9,644 0 0
SELECT SECTOR SPDR TR TECHNOLOGY Equity 81369Y803 1,654 9,511 SH   SOLE   9,511 0 0
INTERNATIONAL BUSINESS MACHS CORP COM Equity 459200101 1,266 9,472 SH   SOLE   9,472 0 0
CEVA INC COM Equity 157210105 404 9,336 SH   SOLE   9,336 0 0
HONEYWELL INTL INC COM Equity 438516106 1,923 9,221 SH   SOLE   9,221 0 0
META PLATFORMS INC CL A Equity 30303M102 3,059 9,095 SH   SOLE   9,095 0 0
DISNEY WALT CO DISNEY COM Equity 254687106 1,360 8,781 SH   SOLE   8,781 0 0
PFIZER INC COM Equity 717081103 502 8,507 SH   SOLE   8,507 0 0
COCA COLA COMPANY Equity 191216100 498 8,412 SH   SOLE   8,412 0 0
ROSS STORES INC (STATE OF INC CHGD FM CALF TO DELAWARE) Equity 778296103 836 7,317 SH   SOLE   7,317 0 0
THE TRADE DESK INC COM CL A Equity 88339J105 608 6,635 SH   SOLE   6,635 0 0
UNITEDHEALTH GROUP INC COM Equity 91324P102 3,199 6,370 SH   SOLE   6,370 0 0
VERIZON COMMUNICATIONS INC COM Equity 92343V104 331 6,368 SH   SOLE   6,368 0 0
AMERICAN EXPRESS COMPANY Equity 025816109 1,020 6,234 SH   SOLE   6,234 0 0
ILLINOIS TOOL WORKS INC COM Equity 452308109 1,448 5,868 SH   SOLE   5,868 0 0
ECOLAB INC COM Equity 278865100 1,362 5,806 SH   SOLE   5,806 0 0
SELECT SECTOR SPDR TR FINANCIAL Equity 81369Y605 227 5,800 SH   SOLE   5,800 0 0
SPDR S&P 500 ETF TR TR UNIT Equity 78462F103 2,684 5,651 SH   SOLE   5,651 0 0
VANGUARD BD INDEX FDS VANGUARD SHORT TERM BD ETF Equity 921937827 434 5,375 SH   SOLE   5,375 0 0
PROSHARES TR ULTRA FINANCIALS NEW Equity 74347X633 364 5,373 SH   SOLE   5,373 0 0
GENERAL ELEC CO COM NEW Equity 369604301 503 5,327 SH   SOLE   5,327 0 0
M & T BK CORP Equity 55261F104 818 5,324 SH   SOLE   5,324 0 0
COSTCO WHOLESALE CORP NEW COM Equity 22160K105 2,924 5,150 SH   SOLE   5,150 0 0
AMGEN INC COM Equity 031162100 1,105 4,911 SH   SOLE   4,911 0 0
PACWEST BANCORP DEL COM Equity 695263103 213 4,710 SH   SOLE   4,710 0 0
PIMCO ETF TR ACTIVE BD ETF Equity 72201R775 502 4,590 SH   SOLE   4,590 0 0
MERCK & CO INC NEW COM Equity 58933Y105 337 4,392 SH   SOLE   4,392 0 0
ISHARES TR RUSSELL 1000 VALUE ETF Equity 464287598 732 4,357 SH   SOLE   4,357 0 0
ON SEMICONDUCTOR CORP COM Equity 682189105 284 4,179 SH   DFND 1 4,179 488 0
PROCTER & GAMBLE CO COM Equity 742718109 654 3,995 SH   SOLE   3,995 0 0
BIONTECH SE ADS ISIN#US09075V1026 Equity 09075V102 1,017 3,943 SH   SOLE   3,943 0 0
VISA INC COM CL A Equity 92826C839 829 3,824 SH   SOLE   3,824 0 0
BOEING CO COM Equity 097023105 759 3,770 SH   SOLE   3,770 0 0
SPDR SER TR PORTFOLIO S&P 1500 COMPOSITE STK MKT ETF Equity 78464A805 211 3,609 SH   SOLE   3,609 0 0
NEXTERA ENERGY INC COM Equity 65339F101 315 3,373 SH   SOLE   3,373 0 0
ISHARES TR RUSSELL 1000 GROWTH ETF Equity 464287614 1,019 3,334 SH   SOLE   3,334 0 0
SELECT SECTOR SPDR TR CONSUMER DISCRETIONARY Equity 81369Y407 674 3,298 SH   SOLE   3,298 0 0
ARK ETF TR INNOVATION ETF Equity 00214Q104 301 3,181 SH   SOLE   3,181 0 0
GOLDMAN SACHS GROUP INC COM Equity 38141G104 1,157 3,025 SH   SOLE   3,025 0 0
TESLA INC COM Equity 88160R101 3,007 2,845 SH   SOLE   2,845 0 0
ISHARES INC MSCI GLOBAL MINIMUM VOL FACTOR ETF Equity 464286525 294 2,711 SH   SOLE   2,711 0 0
ABBVIE INC COM Equity 00287Y109 359 2,649 SH   SOLE   2,649 0 0
LABORATORY CORP AMER HLDGS COM NEW Equity 50540R409 806 2,565 SH   SOLE   2,565 0 0
PHILIP MORRIS INTL INC COM Equity 718172109 220 2,317 SH   SOLE   2,317 0 0
CROWDSTRIKE HLDGS INC CL A Equity 22788C105 450 2,197 SH   SOLE   2,197 0 0
3M CO COM Equity 88579Y101 384 2,164 SH   SOLE   2,164 0 0
RPM INTL INC Equity 749685103 211 2,086 SH   SOLE   2,086 0 0
ISHARES TR NATL MUN BD ETF FD Equity 464288414 219 1,882 SH   SOLE   1,882 0 0
MARRIOTT INTL INC NEW CL A Equity 571903202 306 1,850 SH   SOLE   1,850 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ALL-WORLD EX USA SMALL CAP INDEX Equity 922042718 236 1,759 SH   SOLE   1,759 0 0
ISHARES TR SELECT DIVID ETF FD Equity 464287168 215 1,751 SH   SOLE   1,751 0 0
STARBUCKS CORP COM Equity 855244109 202 1,726 SH   SOLE   1,726 0 0
ALPHABET INC CL A Equity 02079K305 4,861 1,678 SH   SOLE   1,678 0 0
SELECT SECTOR SPDR TR HEALTH CARE Equity 81369Y209 222 1,577 SH   SOLE   1,577 0 0
FIRST TR EXCHANGE-TRADED FD DOW JONES INTERNET INDEX FD Equity 33733E302 339 1,499 SH   SOLE   1,499 0 0
ZSCALER INC COM Equity 98980G102 458 1,426 SH   SOLE   1,426 0 0
ROKU INC COM CL A Equity 77543R102 269 1,178 SH   SOLE   1,178 0 0
NORTHROP GRUMMAN CORP COM Equity 666807102 452 1,169 SH   SOLE   1,169 0 0
MODERNA INC COM Equity 60770K107 285 1,122 SH   SOLE   1,122 0 0
VANGUARD INDEX FDS VANGUARD LARGE-CAP ETF Equity 922908637 238 1,076 SH   SOLE   1,076 0 0
AMAZON COM INC Equity 023135106 3,434 1,030 SH   SOLE   1,030 0 0
UNITED PARCEL SVC INC CL B Equity 911312106 210 979 SH   SOLE   979 0 0
ALPHABET INC CAP STK CL C Equity 02079K107 2,570 888 SH   SOLE   888 0 0
BIOGEN IDEC INC COM Equity 09062X103 205 853 SH   SOLE   853 0 0
SALESFORCE.COM INC COM STOCK Equity 79466L302 208 818 SH   SOLE   818 0 0
BLACKROCK INC COM Equity 09247X101 582 636 SH   SOLE   636 0 0
SHOPIFY INC CL A ISIN#CA82509L1076 Equity 82509L107 850 617 SH   SOLE   617 0 0
VANGUARD INFORMATION TECHNOLOGY ETF Equity 92204A702 253 553 SH   SOLE   553 0 0
MARKEL CORP COM Equity 570535104 598 485 SH   SOLE   485 0 0
LAM RESEARCH CORP Equity 512807108 296 411 SH   SOLE   411 0 0
BOOKING HLDGS INC COM Equity 09857L108 811 338 SH   SOLE   338 0 0
BERKSHIRE HATHAWAY INC DEL CL A Equity 084670108 451 1 SH   SOLE   1 0 0