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
ALPHABET INC CAP STK CL A 02079K305 225 81 SH   SOLE NONE 0 0 81
ALPS ETF TR EQUAL SEC ETF 00162Q205 212 1,958 SH   SOLE NONE 0 0 1,958
AMAZON COM INC COM 023135106 254 78 SH   SOLE NONE 0 0 78
ANNALY CAPITAL MANAGEMENT IN COM 035710409 305 43,332 SH   SOLE NONE 0 0 43,332
APPLE INC COM 037833100 1,059 6,067 SH   SOLE NONE 0 0 6,067
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 308 873 SH   SOLE NONE 0 0 873
BK OF AMERICA CORP COM 060505104 532 12,912 SH   SOLE NONE 0 0 12,912
BLACKSTONE MTG TR INC COM CL A 09257W100 336 10,569 SH   SOLE NONE 0 0 10,569
BROADCOM INC COM 11135F101 396 630 SH   SOLE NONE 0 0 630
BUTTERFLY NETWORK INC COM CL A 124155102 159 33,535 SH   SOLE NONE 0 0 33,535
DISNEY WALT CO COM 254687106 204 1,487 SH   SOLE NONE 0 0 1,487
GENERAL DYNAMICS CORP COM 369550108 356 1,479 SH   SOLE NONE 0 0 1,479
HYPERFINE INC COM CL A 44916K106 37 10,571 SH   SOLE NONE 0 0 10,571
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 317 23,372 SH   SOLE NONE 0 0 23,372
INVESCO QQQ TR UNIT SER 1 46090E103 292 807 SH   SOLE NONE 0 0 807
ISHARES INC CORE MSCI EMKT 46434G103 7,304 130,325 SH   SOLE NONE 0 0 130,325
ISHARES TR CORE S&P TTL STK 464287150 1,543 15,293 SH   SOLE NONE 0 0 15,293
ISHARES TR SELECT DIVID ETF 464287168 3,288 25,661 SH   SOLE NONE 0 0 25,661
ISHARES TR TIPS BD ETF 464287176 5,026 40,366 SH   SOLE NONE 0 0 40,366
ISHARES TR CORE S&P500 ETF 464287200 33,156 72,348 SH   SOLE NONE 0 0 72,348
ISHARES TR CORE US AGGBD ET 464287226 5,821 81,355 SH   SOLE NONE 0 0 81,355
ISHARES TR IBOXX INV CP ETF 464287242 869 11,530 SH   SOLE NONE 0 0 11,530
ISHARES TR S&P 500 GRWT ETF 464287309 14,399 187,767 SH   SOLE NONE 0 0 187,767
ISHARES TR S&P 500 VAL ETF 464287408 7,369 46,950 SH   SOLE NONE 0 0 46,950
ISHARES TR MSCI EAFE ETF 464287465 731 9,940 SH   SOLE NONE 0 0 9,940
ISHARES TR RUS MDCP VAL ETF 464287473 616 5,155 SH   SOLE NONE 0 0 5,155
ISHARES TR CORE S&P MCP ETF 464287507 11,040 40,676 SH   SOLE NONE 0 0 40,676
ISHARES TR EXPND TEC SC ETF 464287549 223 575 SH   SOLE NONE 0 0 575
ISHARES TR RUS 1000 VAL ETF 464287598 703 4,238 SH   SOLE NONE 0 0 4,238
ISHARES TR S&P MC 400GR ETF 464287606 4,717 61,055 SH   SOLE NONE 0 0 61,055
ISHARES TR RUS 1000 GRW ETF 464287614 1,570 5,656 SH   SOLE NONE 0 0 5,656
ISHARES TR RUS 2000 VAL ETF 464287630 719 4,455 SH   SOLE NONE 0 0 4,455
ISHARES TR RUS 2000 GRW ETF 464287648 734 2,873 SH   SOLE NONE 0 0 2,873
ISHARES TR RUSSELL 2000 ETF 464287655 415 2,022 SH   SOLE NONE 0 0 2,022
ISHARES TR CORE S&P US VLU 464287663 2,899 38,210 SH   SOLE NONE 0 0 38,210
ISHARES TR S&P MC 400VL ETF 464287705 1,862 16,982 SH   SOLE NONE 0 0 16,982
ISHARES TR U.S. REAL ES ETF 464287739 4,082 37,567 SH   SOLE NONE 0 0 37,567
ISHARES TR US HLTHCARE ETF 464287762 537 1,862 SH   SOLE NONE 0 0 1,862
ISHARES TR CORE S&P SCP ETF 464287804 12,256 112,815 SH   SOLE NONE 0 0 112,815
ISHARES TR SP SMCP600VL ETF 464287879 408 3,992 SH   SOLE NONE 0 0 3,992
ISHARES TR S&P SML 600 GWT 464287887 4,234 33,850 SH   SOLE NONE 0 0 33,850
ISHARES TR SHRT NAT MUN ETF 464288158 1,164 11,122 SH   SOLE NONE 0 0 11,122
ISHARES TR MSCI ACWI EX US 464288240 382 7,313 SH   SOLE NONE 0 0 7,313
ISHARES TR EAFE SML CP ETF 464288273 4,348 65,169 SH   SOLE NONE 0 0 65,169
ISHARES TR NEW YORK MUN ETF 464288323 217 3,993 SH   SOLE NONE 0 0 3,993
ISHARES TR INTL SEL DIV ETF 464288448 279 8,794 SH   SOLE NONE 0 0 8,794
ISHARES TR IBOXX HI YD ETF 464288513 495 6,025 SH   SOLE NONE 0 0 6,025
ISHARES TR ISHS 1-5YR INVS 464288646 1,686 32,606 SH   SOLE NONE 0 0 32,606
ISHARES TR PFD AND INCM SEC 464288687 1,048 28,771 SH   SOLE NONE 0 0 28,771
ISHARES TR EAFE GRWTH ETF 464288885 685 7,121 SH   SOLE NONE 0 0 7,121
ISHARES TR FLTG RATE NT ETF 46429B655 4,132 79,678 SH   SOLE NONE 0 0 79,678
ISHARES TR MSCI EAFE MIN VL 46429B689 742 10,286 SH   SOLE NONE 0 0 10,286
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,718 34,433 SH   SOLE NONE 0 0 34,433
ISHARES TR CORE MSCI TOTAL 46432F834 2,470 37,108 SH   SOLE NONE 0 0 37,108
ISHARES TR CORE MSCI EAFE 46432F842 12,591 178,797 SH   SOLE NONE 0 0 178,797
ISHARES TR CORE 1 5 YR USD 46432F859 3,783 75,534 SH   SOLE NONE 0 0 75,534
ISHARES TR 0-5YR HI YL CP 46434V407 1,815 37,505 SH   SOLE NONE 0 0 37,505
ISHARES TR CORE DIV GRWTH 46434V621 3,212 59,230 SH   SOLE NONE 0 0 59,230
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,427 96,017 SH   SOLE NONE 0 0 96,017
ISHARES TR IBONDS DEC22 ETF 46434VBA7 2,397 95,756 SH   SOLE NONE 0 0 95,756
ISHARES TR IBONDS DEC25 ETF 46434VBD1 1,838 49,112 SH   SOLE NONE 0 0 49,112
ISHARES TR IBONDS DEC24 ETF 46434VBG4 487 19,423 SH   SOLE NONE 0 0 19,423
ISHARES TR IBONDS DEC2023 46435G318 770 30,247 SH   SOLE NONE 0 0 30,247
ISHARES TR IBONDS DEC2022 46435G755 448 17,319 SH   SOLE NONE 0 0 17,319
ISHARES TR IBONDS DEC2026 46435GAA0 1,841 50,404 SH   SOLE NONE 0 0 50,404
ISHARES TR IBDS DEC28 ETF 46435U515 1,872 48,387 SH   SOLE NONE 0 0 48,387
ISHARES TR IBONDS DEC 46435U697 222 8,562 SH   SOLE NONE 0 0 8,562
ISHARES TR IBONDS 27 ETF 46435UAA9 1,843 49,893 SH   SOLE NONE 0 0 49,893
ISHARES TR IBONDS DEC 29 46436E205 1,844 50,844 SH   SOLE NONE 0 0 50,844
ISHARES TR IBONDS DEC 2030 46436E726 1,836 53,428 SH   SOLE NONE 0 0 53,428
JOHNSON &JOHNSON COM 478160104 313 1,770 SH   SOLE NONE 0 0 1,770
JPMORGAN CHASE &CO COM 46625H100 54,605 400,568 SH   SOLE NONE 0 0 400,568
LAM RESEARCH CORP COM 512807108 236 439 SH   SOLE NONE 0 0 439
MFA FINL INC COM 55272X102 248 61,576 SH   SOLE NONE 0 0 61,576
MICROSOFT CORP COM 594918104 1,024 3,323 SH   SOLE NONE 0 0 3,323
PROCTER AND GAMBLE CO COM 742718109 605 3,964 SH   SOLE NONE 0 0 3,964
QUANTUM SI INC COM CL A 74765K105 120 25,742 SH   SOLE NONE 0 0 25,742
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 514 13,416 SH   SOLE NONE 0 0 13,416
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 317 2,000 SH   SOLE NONE 0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,629 8,037 SH   SOLE NONE 0 0 8,037
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 237 484 SH   SOLE NONE 0 0 484
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,774 34,046 SH   SOLE NONE 0 0 34,046
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 866 5,790 SH   SOLE NONE 0 0 5,790
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 745 6,878 SH   SOLE NONE 0 0 6,878
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,456 8,277 SH   SOLE NONE 0 0 8,277
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 312 2,519 SH   SOLE NONE 0 0 2,519
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 288 5,592 SH   SOLE NONE 0 0 5,592
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 658 7,949 SH   SOLE NONE 0 0 7,949
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 311 4,948 SH   SOLE NONE 0 0 4,948
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,576 32,601 SH   SOLE NONE 0 0 32,601
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 247 2,209 SH   SOLE NONE 0 0 2,209
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,859 11,438 SH   SOLE NONE 0 0 11,438