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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   924,504 8,457 SH   SOLE 0 36 0 8,421
ABBVIE INC COM 00287Y109   1,283,182 8,280 SH   SOLE 0 0 0 8,280
ABRDN WORLD HEALTHCARE FUND BEN INT SHS 87911L108   431,107 36,942 SH   SOLE 0 650 0 36,292
ADVANCED MICRO DEVICES INC COM 007903107   933,858 6,335 SH   SOLE 0 0 0 6,335
ALBEMARLE CORP COM 012653101   461,105 3,191 SH   SOLE 0 25 0 3,166
ALPHABET INC CAP STK CL A 02079K305   1,391,173 9,959 SH   SOLE 0 0 0 9,959
ALTRIA GROUP INC COM 02209S103   303,625 7,527 SH   SOLE 0 0 0 7,527
AMAZON COM INC COM 023135106   2,024,917 13,327 SH   SOLE 0 40 0 13,287
AMERICAN ELEC PWR CO INC COM 025537101   218,602 2,691 SH   SOLE 0 0 0 2,691
AMERICAN FINL GROUP INC OHIO COM 025932104   550,810 4,633 SH   SOLE 0 0 0 4,633
APPLE INC COM 037833100   6,101,436 31,691 SH   SOLE 0 76 0 31,615
ASML HOLDING N V N Y REGISTRY SHS N07059210   615,647 813 SH   SOLE 0 0 0 813
AT&T INC COM 00206R102   419,340 24,990 SH   SOLE 0 0 0 24,990
AUTOMATIC DATA PROCESSING IN COM 053015103   945,356 4,058 SH   SOLE 0 0 0 4,058
BANK NEW YORK MELLON CORP COM 064058100   727,674 13,980 SH   SOLE 0 0 0 13,980
BERKLEY W R CORP COM 084423102   694,922 9,826 SH   SOLE 0 135 0 9,691
BERKSHIRE HATHAWAY INC DEL CL A 084670108   542,625 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,222,274 3,427 SH   SOLE 0 0 0 3,427
BHP GROUP LTD SPONSORED ADS 088606108   206,284 3,020 SH   SOLE 0 0 0 3,020
BOEING CO COM 097023105   322,235 1,236 SH   SOLE 0 70 0 1,166
CAMPBELL SOUP CO COM 134429109   808,968 18,713 SH   SOLE 0 0 0 18,713
CATERPILLAR INC COM 149123101   1,040,131 3,518 SH   SOLE 0 0 0 3,518
CHEVRON CORP NEW COM 166764100   1,037,492 6,956 SH   SOLE 0 41 0 6,915
CHUBB LIMITED COM H1467J104   725,338 3,209 SH   SOLE 0 0 0 3,209
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   25,387 10,943 SH   SOLE 0 0 0 10,943
CISCO SYS INC COM 17275R102   222,327 4,401 SH   SOLE 0 0 0 4,401
CITIGROUP INC COM NEW 172967424   973,356 18,922 SH   SOLE 0 0 0 18,922
COCA COLA CO COM 191216100   1,028,571 17,454 SH   SOLE 0 95 0 17,359
CONSOLIDATED EDISON INC COM 209115104   200,239 2,201 SH   SOLE 0 0 0 2,201
COSTCO WHSL CORP NEW COM 22160K105   1,409,209 2,135 SH   SOLE 0 11 0 2,124
COTERRA ENERGY INC COM 127097103   574,257 22,502 SH   SOLE 0 0 0 22,502
CVS HEALTH CORP COM 126650100   1,214,459 15,381 SH   SOLE 0 25 0 15,356
DEXCOM INC COM 252131107   316,057 2,547 SH   SOLE 0 0 0 2,547
DISNEY WALT CO COM 254687106   270,294 2,994 SH   SOLE 0 0 0 2,994
DOLLAR GEN CORP NEW COM 256677105   875,491 6,440 SH   SOLE 0 0 0 6,440
DOMINION ENERGY INC COM 25746U109   208,230 4,430 SH   SOLE 0 83 0 4,347
DUKE ENERGY CORP NEW COM NEW 26441C204   230,428 2,375 SH   SOLE 0 0 0 2,375
ELI LILLY & CO COM 532457108   742,772 1,274 SH   SOLE 0 0 0 1,274
EXXON MOBIL CORP COM 30231G102   1,556,517 15,568 SH   SOLE 0 10 0 15,558
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   3,570,612 154,974 SH   SOLE 0 960 0 154,014
FORTINET INC COM 34959E109   690,127 11,791 SH   SOLE 0 100 0 11,691
GABELLI UTIL TR COM 36240A101   200,139 36,926 SH   SOLE 0 1,407 0 35,519
HOME DEPOT INC COM 437076102   932,652 2,691 SH   SOLE 0 0 0 2,691
IDEXX LABS INC COM 45168D104   277,525 500 SH   SOLE 0 0 0 500
INTEL CORP COM 458140100   329,349 6,554 SH   SOLE 0 100 0 6,454
INTERNATIONAL BUSINESS MACHS COM 459200101   573,096 3,504 SH   SOLE 0 0 0 3,504
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   6,122,445 74,302 SH   SOLE 0 0 0 74,302
INVESCO QQQ TR UNIT SER 1 46090E103   6,700,744 16,362 SH   SOLE 0 3 0 16,359
INVESCO VALUE MUN INCOME TR COM 46132P108   615,590 52,480 SH   SOLE 0 0 0 52,480
ISHARES GOLD TR ISHARES NEW 464285204   734,762 18,826 SH   SOLE 0 300 0 18,526
ISHARES SILVER TR ISHARES 46428Q109   304,371 13,975 SH   SOLE 0 743 0 13,232
ISHARES TR TIPS BD ETF 464287176   636,485 5,921 SH   SOLE 0 360 0 5,561
ISHARES TR SELECT DIVID ETF 464287168   3,049,901 26,019 SH   SOLE 0 354 0 25,665
ISHARES TR MSCI USA MIN VOL 46429B697   339,751 4,354 SH   SOLE 0 13 0 4,342
ISHARES TR 7-10 YR TRSY BD 464287440   255,463 2,650 SH   SOLE 0 0 0 2,650
ISHARES TR MSCI USA QLT FCT 46432F339   6,585,976 44,760 SH   SOLE 0 5 0 44,755
ISHARES TR US AER DEF ETF 464288760   917,168 7,245 SH   SOLE 0 430 0 6,814
ISHARES TR IBOXX INV CP ETF 464287242   239,571 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR ISHS 5-10YR INVT 464288638   246,492 4,740 SH   SOLE 0 405 0 4,335
ISHARES TR SP SMCP600VL ETF 464287879   9,252,857 89,773 SH   SOLE 0 479 0 89,294
ISHARES TR CORE S&P SCP ETF 464287804   540,673 4,995 SH   SOLE 0 10 0 4,984
ISHARES TR CORE S&P US GWT 464287671   5,581,101 53,613 SH   SOLE 0 0 0 53,613
ISHARES TR S&P 500 VAL ETF 464287408   246,018 1,415 SH   SOLE 0 0 0 1,415
ISHARES TR CORE S&P MCP ETF 464287507   6,859,603 24,751 SH   SOLE 0 94 0 24,656
ISHARES TR CORE S&P500 ETF 464287200   27,012,728 56,556 SH   SOLE 0 199 0 56,357
JOHNSON & JOHNSON COM 478160104   3,408,411 21,746 SH   SOLE 0 0 0 21,746
JPMORGAN CHASE & CO COM 46625H100   527,500 3,101 SH   SOLE 0 0 0 3,101
KELLANOVA COM 487836108   646,971 11,572 SH   SOLE 0 0 0 11,572
KIMBERLY-CLARK CORP COM 494368103   218,860 1,801 SH   SOLE 0 0 0 1,801
KLA CORP COM NEW 482480100   212,287 365 SH   SOLE 0 0 0 365
KRANESHARES TR CSI CHI INTERNET 500767306   342,006 12,667 SH   SOLE 0 0 0 12,667
KROGER CO COM 501044101   630,424 13,792 SH   SOLE 0 0 0 13,792
LOCKHEED MARTIN CORP COM 539830109   869,331 1,918 SH   SOLE 0 0 0 1,918
LOWES COS INC COM 548661107   804,354 3,614 SH   SOLE 0 0 0 3,614
MCDONALDS CORP COM 580135101   1,021,386 3,445 SH   SOLE 0 22 0 3,423
MERCK & CO INC COM 58933Y105   502,450 4,609 SH   SOLE 0 0 0 4,609
META PLATFORMS INC CL A 30303M102   1,277,450 3,609 SH   SOLE 0 0 0 3,609
MICROSOFT CORP COM 594918104   2,950,852 7,847 SH   SOLE 0 76 0 7,771
NETFLIX INC COM 64110L106   281,904 579 SH   SOLE 0 0 0 579
NVIDIA CORPORATION COM 67066G104   995,942 2,011 SH   SOLE 0 55 0 1,956
PALO ALTO NETWORKS INC COM 697435105   450,577 1,528 SH   SOLE 0 27 0 1,501
PARKER-HANNIFIN CORP COM 701094104   581,538 1,262 SH   SOLE 0 0 0 1,262
PEPSICO INC COM 713448108   868,400 5,113 SH   SOLE 0 0 0 5,113
PFIZER INC COM 717081103   393,727 13,676 SH   SOLE 0 0 0 13,676
PHILIP MORRIS INTL INC COM 718172109   448,397 4,766 SH   SOLE 0 0 0 4,766
PROCTER AND GAMBLE CO COM 742718109   644,386 4,397 SH   SOLE 0 0 0 4,397
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   487,438 7,971 SH   SOLE 0 0 0 7,971
RTX CORPORATION COM 75513E101   912,278 10,842 SH   SOLE 0 0 0 10,842
SCHWAB CHARLES CORP COM 808513105   637,708 9,269 SH   SOLE 0 0 0 9,269
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   333,538 1,733 SH   SOLE 0 0 0 1,733
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   2,551,312 40,286 SH   SOLE 0 281 0 40,005
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,655,197 19,469 SH   SOLE 0 135 0 19,334
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   489,372 2,737 SH   SOLE 0 0 0 2,737
SENSEONICS HLDGS INC COM 81727U105   11,402 20,000 SH   SOLE 0 0 0 20,000
SOUTHERN CO COM 842587107   361,103 5,150 SH   SOLE 0 0 0 5,150
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   6,869,114 18,227 SH   SOLE 0 106 0 18,120
SPDR GOLD TR GOLD SHS 78463V107   925,634 4,842 SH   SOLE 0 46 0 4,796
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,685,294 78,956 SH   SOLE 0 1,167 0 77,789
SPDR S&P 500 ETF TR TR UNIT 78462F103   875,838 1,843 SH   SOLE 0 0 0 1,843
STANLEY BLACK & DECKER INC COM 854502101   787,491 8,027 SH   SOLE 0 16 0 8,011
STARBUCKS CORP COM 855244109   511,977 5,333 SH   SOLE 0 0 0 5,333
STARWOOD PPTY TR INC COM 85571B105   263,816 12,551 SH   SOLE 0 175 0 12,376
TELOS CORP MD COM 87969B101   98,550 27,000 SH   SOLE 0 0 0 27,000
TELUS CORPORATION COM 87971M103   222,164 12,488 SH   SOLE 0 0 0 12,488
TESLA INC COM 88160R101   1,145,244 4,609 SH   SOLE 0 0 0 4,609
TRANE TECHNOLOGIES PLC SHS G8994E103   380,820 1,561 SH   SOLE 0 0 0 1,561
TRAVELERS COMPANIES INC COM 89417E109   825,378 4,333 SH   SOLE 0 34 0 4,299
TRUIST FINL CORP COM 89832Q109   796,237 21,567 SH   SOLE 0 536 0 21,031
UNITED PARCEL SERVICE INC CL B 911312106   595,023 3,784 SH   SOLE 0 0 0 3,784
VALLEY NATL BANCORP COM 919794107   120,423 11,089 SH   SOLE 0 550 0 10,539
VANGUARD INDEX FDS VALUE ETF 922908744   468,889 3,136 SH   SOLE 0 0 0 3,136
VANGUARD INDEX FDS GROWTH ETF 922908736   289,018 930 SH   SOLE 0 0 0 930
VANGUARD INDEX FDS SM CP VAL ETF 922908611   905,942 5,034 SH   SOLE 0 100 0 4,934
VERIZON COMMUNICATIONS INC COM 92343V104   645,176 17,113 SH   SOLE 0 0 0 17,113
VERU INC COM 92536C103   14,400 20,000 SH   SOLE 0 0 0 20,000
VISA INC COM CL A 92826C839   222,859 856 SH   SOLE 0 0 0 856
WALMART INC COM 931142103   1,034,447 6,562 SH   SOLE 0 12 0 6,550