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
HORIZON THERAPEUTICS PUB L SHS G46188101 210 1,950 SH   SOLE   0 0 1,950
LINDE PLC SHS G5494J103 496 1,432 SH   SOLE   0 0 1,432
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 213 2,310 SH   SOLE   0 0 2,310
ROYAL CARIBBEAN GROUP COM V7780T103 416 5,416 SH   SOLE   0 0 5,416
AGF INVTS TR AGFIQ US MK ANTI 00110G408 733 41,200 SH   SOLE   0 0 41,200
AT&T INC COM 00206R102 1,022 41,531 SH   SOLE   0 0 41,531
ABBOTT LABS COM 002824100 554 3,934 SH   SOLE   0 0 3,934
ABBVIE INC COM 00287Y109 587 4,332 SH   SOLE   0 0 4,332
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 521 5,824 SH   SOLE   0 0 5,824
ADOBE SYSTEMS INCORPORATED COM 00724F101 729 1,286 SH   SOLE   0 0 1,286
ADVANCED MICRO DEVICES INC COM 007903107 278 1,931 SH   SOLE   0 0 1,931
ALLSTATE CORP COM 020002101 253 2,148 SH   SOLE   0 0 2,148
ALPHABET INC CAP STK CL C 02079K107 1,458 504 SH   SOLE   0 0 504
ALPHABET INC CAP STK CL A 02079K305 3,210 1,108 SH   SOLE   0 0 1,108
ALTRIA GROUP INC COM 02209S103 818 17,265 SH   SOLE   0 0 17,265
AMAZON COM INC COM 023135106 4,931 1,479 SH   SOLE   0 0 1,479
AMERICAN ELEC PWR CO INC COM 025537101 526 5,914 SH   SOLE   0 0 5,914
AMERICAN EXPRESS CO COM 025816109 415 2,534 SH   SOLE   0 0 2,534
AMERISOURCEBERGEN CORP COM 03073E105 978 7,360 SH   SOLE   0 0 7,360
AMGEN INC COM 031162100 768 3,414 SH   SOLE   0 0 3,414
ANALOG DEVICES INC COM 032654105 603 3,431 SH   SOLE   0 0 3,431
ANNALY CAPITAL MANAGEMENT IN COM 035710409 124 15,869 SH   SOLE   0 0 15,869
ANTHEM INC COM 036752103 754 1,626 SH   SOLE   0 0 1,626
APPLE INC COM 037833100 7,259 40,880 SH   SOLE   0 0 40,880
APPLIED MATLS INC COM 038222105 1,108 7,040 SH   SOLE   0 0 7,040
ARES CAPITAL CORP COM 04010L103 317 14,954 SH   SOLE   0 0 14,954
AUTOMATIC DATA PROCESSING IN COM 053015103 304 1,233 SH   SOLE   0 0 1,233
BALL CORP COM 058498106 818 8,495 SH   SOLE   0 0 8,495
BK OF AMERICA CORP COM 060505104 223 5,010 SH   SOLE   0 0 5,010
BANK NEW YORK MELLON CORP COM 064058100 418 7,200 SH   SOLE   0 0 7,200
BECTON DICKINSON & CO COM 075887109 18 72 SH   SOLE   0 0 72
BECTON DICKINSON & CO COM 075887109 357 1,421 SH   SOLE   0 0 1,421
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,578 8,622 SH   SOLE   0 0 8,622
BLACKROCK INC COM 09247X101 211 230 SH   SOLE   0 0 230
BLACKSTONE INC COM 09260D107 439 3,396 SH   SOLE   0 0 3,396
BOOKING HOLDINGS INC COM 09857L108 1,459 608 SH   SOLE   0 0 608
BOSTON SCIENTIFIC CORP COM 101137107 243 5,722 SH   SOLE   0 0 5,722
BROWN FORMAN CORP CL A 115637100 244 3,597 SH   SOLE   0 0 3,597
BROWN FORMAN CORP CL B 115637209 269 3,699 SH   SOLE   0 0 3,699
CSX CORP COM 126408103 900 23,935 SH   SOLE   0 0 23,935
CVS HEALTH CORP COM 126650100 297 2,883 SH   SOLE   0 0 2,883
COTERRA ENERGY INC COM 127097103 220 11,578 SH   SOLE   0 0 11,578
CANADIAN PAC RY LTD COM 13645T100 353 4,906 SH   SOLE   0 0 4,906
CARMAX INC COM 143130102 657 5,046 SH   SOLE   0 0 5,046
CATERPILLAR INC COM 149123101 569 2,751 SH   SOLE   0 0 2,751
CEL-SCI CORP COM PAR NEW 150837607 230 32,340 SH   SOLE   0 0 32,340
CELANESE CORP DEL COM 150870103 267 1,586 SH   SOLE   0 0 1,586
CHEVRON CORP NEW COM 166764100 639 5,443 SH   SOLE   0 0 5,443
CISCO SYS INC COM 17275R102 522 8,241 SH   SOLE   0 0 8,241
CINTAS CORP COM 172908105 687 1,550 SH   SOLE   0 0 1,550
CLOROX CO DEL COM 189054109 547 3,135 SH   SOLE   0 0 3,135
COCA COLA CO COM 191216100 605 10,212 SH   SOLE   0 0 10,212
COMCAST CORP NEW CL A 20030N101 1,242 24,681 SH   SOLE   0 0 24,681
COSTCO WHSL CORP NEW COM 22160K105 358 630 SH   SOLE   0 0 630
DBX ETF TR XTRACK MSCI EAFE 233051200 613 15,610 SH   SOLE   0 0 15,610
DANAHER CORPORATION COM 235851102 1,337 4,064 SH   SOLE   0 0 4,064
DEXCOM INC COM 252131107 303 564 SH   SOLE   0 0 564
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 206 7,110 SH   SOLE   0 0 7,110
DISNEY WALT CO COM 254687106 911 5,882 SH   SOLE   0 0 5,882
DOLLAR GEN CORP NEW COM 256677105 389 1,649 SH   SOLE   0 0 1,649
DOMINION ENERGY INC COM 25746U109 738 9,392 SH   SOLE   0 0 9,392
DRAFTKINGS INC COM CL A 26142R104 287 10,464 SH   SOLE   0 0 10,464
DUKE ENERGY CORP NEW COM NEW 26441C204 283 2,702 SH   SOLE   0 0 2,702
EBAY INC. COM 278642103 1,035 15,569 SH   SOLE   0 0 15,569
EDWARDS LIFESCIENCES CORP COM 28176E108 250 1,928 SH   SOLE   0 0 1,928
ENBRIDGE INC COM 29250N105 1,683 43,068 SH   SOLE   0 0 43,068
EPAM SYS INC COM 29414B104 278 416 SH   SOLE   0 0 416
EXELON CORP COM 30161N101 359 6,220 SH   SOLE   0 0 6,220
EXXON MOBIL CORP COM 30231G102 1,760 28,758 SH   SOLE   0 0 28,758
META PLATFORMS INC CL A 30303M102 3,184 9,467 SH   SOLE   0 0 9,467
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 252 5,396 SH   SOLE   0 0 5,396
FIDELITY NATL INFORMATION SV COM 31620M106 825 7,562 SH   SOLE   0 0 7,562
FISERV INC COM 337738108 532 5,122 SH   SOLE   0 0 5,122
FIVE BELOW INC COM 33829M101 446 2,154 SH   SOLE   0 0 2,154
FLEXSHARES TR MORNSTAR UPSTR 33939L407 366 9,262 SH   SOLE   0 0 9,262
FORD MTR CO DEL COM 345370860 485 23,347 SH   SOLE   0 0 23,347
FORTINET INC COM 34959E109 544 1,514 SH   SOLE   0 0 1,514
FRANCO NEV CORP COM 351858105 233 1,682 SH   SOLE   0 0 1,682
GENERAL DYNAMICS CORP COM 369550108 453 2,172 SH   SOLE   0 0 2,172
GLOBAL X FDS US PFD ETF 37954Y657 231 8,960 SH   SOLE   0 0 8,960
GLOBAL X FDS US INFR DEV ETF 37954Y673 251 8,733 SH   SOLE   0 0 8,733
HANESBRANDS INC COM 410345102 185 11,084 SH   SOLE   0 0 11,084
HERSHEY CO COM 427866108 843 4,356 SH   SOLE   0 0 4,356
HOME DEPOT INC COM 437076102 1,713 4,127 SH   SOLE   0 0 4,127
HONEYWELL INTL INC COM 438516106 802 3,846 SH   SOLE   0 0 3,846
ILLINOIS TOOL WKS INC COM 452308109 1,078 4,369 SH   SOLE   0 0 4,369
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 534 16,559 SH   SOLE   0 0 16,559
INTEL CORP COM 458140100 470 9,118 SH   SOLE   0 0 9,118
INTERCONTINENTAL EXCHANGE IN COM 45866F104 333 2,436 SH   SOLE   0 0 2,436
INTERNATIONAL BUSINESS MACHS COM 459200101 219 1,636 SH   SOLE   0 0 1,636
INVESCO QQQ TR UNIT SER 1 46090E103 32,908 82,714 SH   SOLE   0 0 82,714
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 234 16,654 SH   SOLE   0 0 16,654
INTUITIVE SURGICAL INC COM NEW 46120E602 233 648 SH   SOLE   0 0 648
INTUIT COM 461202103 410 638 SH   SOLE   0 0 638
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,028 6,317 SH   SOLE   0 0 6,317
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 396 5,772 SH   SOLE   0 0 5,772
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 226 5,000 SH   SOLE   0 0 5,000
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 320 4,721 SH   SOLE   0 0 4,721
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 484 21,923 SH   SOLE   0 0 21,923
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 345 3,646 SH   SOLE   0 0 3,646
IQVIA HLDGS INC COM 46266C105 1,300 4,608 SH   SOLE   0 0 4,608
ISHARES TR CORE S&P TTL STK 464287150 381 3,557 SH   SOLE   0 0 3,557
ISHARES TR SELECT DIVID ETF 464287168 434 3,538 SH   SOLE   0 0 3,538
ISHARES TR TIPS BD ETF 464287176 654 5,063 SH   SOLE   0 0 5,063
ISHARES TR CORE S&P500 ETF 464287200 25,857 54,209 SH   SOLE   0 0 54,209
ISHARES TR CORE US AGGBD ET 464287226 1,212 10,622 SH   SOLE   0 0 10,622
ISHARES TR IBOXX INV CP ETF 464287242 223 1,686 SH   SOLE   0 0 1,686
ISHARES TR GLOBAL TECH ETF 464287291 229 3,551 SH   SOLE   0 0 3,551
ISHARES TR 20 YR TR BD ETF 464287432 5,876 39,651 SH   SOLE   0 0 39,651
ISHARES TR BARCLAYS 7 10 YR 464287440 528 4,590 SH   SOLE   0 0 4,590
ISHARES TR 1 3 YR TREAS BD 464287457 3,773 44,103 SH   SOLE   0 0 44,103
ISHARES TR RUS MD CP GR ETF 464287481 397 3,444 SH   SOLE   0 0 3,444
ISHARES TR CORE S&P MCP ETF 464287507 2,000 7,065 SH   SOLE   0 0 7,065
ISHARES TR ISHARES BIOTECH 464287556 294 1,928 SH   SOLE   0 0 1,928
ISHARES TR US CONSUM DISCRE 464287580 435 5,174 SH   SOLE   0 0 5,174
ISHARES TR RUS 1000 ETF 464287622 624 2,358 SH   SOLE   0 0 2,358
ISHARES TR RUSSELL 2000 ETF 464287655 883 3,970 SH   SOLE   0 0 3,970
ISHARES TR CORE S&P US GWT 464287671 254 2,192 SH   SOLE   0 0 2,192
ISHARES TR CORE S&P SCP ETF 464287804 914 7,979 SH   SOLE   0 0 7,979
ISHARES TR EAFE SML CP ETF 464288273 436 5,966 SH   SOLE   0 0 5,966
ISHARES TR JPMORGAN USD EMG 464288281 692 6,341 SH   SOLE   0 0 6,341
ISHARES TR NATIONAL MUN ETF 464288414 586 5,044 SH   SOLE   0 0 5,044
ISHARES TR MBS ETF 464288588 1,219 11,344 SH   SOLE   0 0 11,344
ISHARES TR PFD AND INCM SEC 464288687 2,798 70,957 SH   SOLE   0 0 70,957
ISHARES TR EAFE VALUE ETF 464288877 1,872 37,152 SH   SOLE   0 0 37,152
ISHARES TR EAFE GRWTH ETF 464288885 1,946 17,641 SH   SOLE   0 0 17,641
ISHARES TR RUS TP200 GR ETF 464289438 1,063 6,131 SH   SOLE   0 0 6,131
ISHARES TR US TREAS BD ETF 46429B267 891 33,410 SH   SOLE   0 0 33,410
ISHARES TR A RATE CP BD ETF 46429B291 2,416 43,098 SH   SOLE   0 0 43,098
ISHARES TR CMBS ETF 46429B366 463 8,740 SH   SOLE   0 0 8,740
ISHARES TR FLTG RATE NT ETF 46429B655 548 10,794 SH   SOLE   0 0 10,794
ISHARES TR CORE HIGH DV ETF 46429B663 305 3,018 SH   SOLE   0 0 3,018
ISHARES TR MSCI USA MIN VOL 46429B697 1,079 13,342 SH   SOLE   0 0 13,342
ISHARES U S ETF TR INT RT HDG C B 46431W705 467 4,884 SH   SOLE   0 0 4,884
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 226 7,327 SH   SOLE   0 0 7,327
ISHARES TR MSCI USA VALUE 46432F388 347 3,173 SH   SOLE   0 0 3,173
ISHARES TR CORE MSCI TOTAL 46432F834 215 3,029 SH   SOLE   0 0 3,029
ISHARES TR CORE MSCI EAFE 46432F842 434 5,813 SH   SOLE   0 0 5,813
ISHARES INC CORE MSCI EMKT 46434G103 501 8,366 SH   SOLE   0 0 8,366
ISHARES INC ESG AWR MSCI EM 46434G863 241 6,059 SH   SOLE   0 0 6,059
ISHARES TR EXPONENTIAL TECH 46434V381 306 4,624 SH   SOLE   0 0 4,624
ISHARES TR CORE TOTAL USD 46434V613 1,222 23,090 SH   SOLE   0 0 23,090
ISHARES TR CORE DIV GRWTH 46434V621 1,271 22,862 SH   SOLE   0 0 22,862
ISHARES TR ESG AWR MSCI USA 46435G425 1,728 16,015 SH   SOLE   0 0 16,015
ISHARES TR FALN ANGLS USD 46435G474 701 23,397 SH   SOLE   0 0 23,397
ISHARES TR CYBERSECURITY 46435U135 317 7,110 SH   SOLE   0 0 7,110
ISHARES TR ROBOTICS ARTIF 46435U556 274 6,612 SH   SOLE   0 0 6,612
ISHARES TR BROAD USD HIGH 46435U853 472 11,458 SH   SOLE   0 0 11,458
JPMORGAN CHASE & CO COM 46625H100 1,838 11,605 SH   SOLE   0 0 11,605
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,093 21,654 SH   SOLE   0 0 21,654
JOHNSON & JOHNSON COM 478160104 583 3,407 SH   SOLE   0 0 3,407
KLA CORP COM NEW 482480100 932 2,166 SH   SOLE   0 0 2,166
LAM RESEARCH CORP COM 512807108 1,107 1,540 SH   SOLE   0 0 1,540
LAUDER ESTEE COS INC CL A 518439104 777 2,098 SH   SOLE   0 0 2,098
LILLY ELI & CO COM 532457108 1,269 4,596 SH   SOLE   0 0 4,596
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 64 25,156 SH   SOLE   0 0 25,156
LOCKHEED MARTIN CORP COM 539830109 605 1,701 SH   SOLE   0 0 1,701
LOWES COS INC COM 548661107 1,523 5,892 SH   SOLE   0 0 5,892
LYFT INC CL A COM 55087P104 236 5,528 SH   SOLE   0 0 5,528
M & T BK CORP COM 55261F104 365 2,376 SH   SOLE   0 0 2,376
MGM RESORTS INTERNATIONAL COM 552953101 359 8,009 SH   SOLE   0 0 8,009
MARRONE BIO INNOVATIONS INC COM 57165B106 8 10,460 SH   SOLE   0 0 10,460
MASTERCARD INCORPORATED CL A 57636Q104 2,486 6,919 SH   SOLE   0 0 6,919
MCDONALDS CORP COM 580135101 240 896 SH   SOLE   0 0 896
MCKESSON CORP COM 58155Q103 201 810 SH   SOLE   0 0 810
MERCK & CO INC COM 58933Y105 1,014 13,226 SH   SOLE   0 0 13,226
MICROSOFT CORP COM 594918104 4,572 13,594 SH   SOLE   0 0 13,594
MIDDLEBY CORP COM 596278101 210 1,068 SH   SOLE   0 0 1,068
MODERNA INC COM 60770K107 208 820 SH   SOLE   0 0 820
NETFLIX INC COM 64110L106 1,262 2,095 SH   SOLE   0 0 2,095
NEW GOLD INC CDA COM 644535106 18 11,780 SH   SOLE   0 0 11,780
NEWMONT CORP COM 651639106 238 3,834 SH   SOLE   0 0 3,834
NEXTERA ENERGY INC COM 65339F101 243 2,605 SH   SOLE   0 0 2,605
NIKE INC CL B 654106103 988 5,928 SH   SOLE   0 0 5,928
NORFOLK SOUTHN CORP COM 655844108 204 685 SH   SOLE   0 0 685
NOVARTIS AG SPONSORED ADR 66987V109 599 6,849 SH   SOLE   0 0 6,849
NVIDIA CORPORATION COM 67066G104 1,581 5,375 SH   SOLE   0 0 5,375
NUVEEN FLOATING RATE INCOME COM 67072T108 132 13,001 SH   SOLE   0 0 13,001
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 277 18,564 SH   SOLE   0 0 18,564
OMNICOM GROUP INC COM 681919106 435 5,933 SH   SOLE   0 0 5,933
ORACLE CORP COM 68389X105 1,913 21,933 SH   SOLE   0 0 21,933
PGIM HIGH YIELD BOND FUND IN COM 69346H100 306 19,093 SH   SOLE   0 0 19,093
PPG INDS INC COM 693506107 260 1,509 SH   SOLE   0 0 1,509
PPL CORP COM 69351T106 323 10,742 SH   SOLE   0 0 10,742
PACER FDS TR TRENDP US LAR CP 69374H105 940 22,618 SH   SOLE   0 0 22,618
PACER FDS TR TRENDP US MID CP 69374H204 342 9,353 SH   SOLE   0 0 9,353
PACER FDS TR TRENDP 100 ETF 69374H303 540 9,149 SH   SOLE   0 0 9,149
PACER FDS TR SWAN SOS FD OF 69374H568 657 28,802 SH   SOLE   0 0 28,802
PACER FDS TR TRENDPILOT US BD 69374H642 217 8,063 SH   SOLE   0 0 8,063
PALO ALTO NETWORKS INC COM 697435105 411 738 SH   SOLE   0 0 738
PAYCOM SOFTWARE INC COM 70432V102 228 550 SH   SOLE   0 0 550
PAYCHEX INC COM 704326107 840 6,152 SH   SOLE   0 0 6,152
PAYPAL HLDGS INC COM 70450Y103 786 4,166 SH   SOLE   0 0 4,166
PEPSICO INC COM 713448108 1,000 5,759 SH   SOLE   0 0 5,759
PFIZER INC COM 717081103 825 13,970 SH   SOLE   0 0 13,970
PHILIP MORRIS INTL INC COM 718172109 667 7,018 SH   SOLE   0 0 7,018
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,708 26,663 SH   SOLE   0 0 26,663
PRICE T ROWE GROUP INC COM 74144T108 434 2,206 SH   SOLE   0 0 2,206
PROCTER AND GAMBLE CO COM 742718109 623 3,807 SH   SOLE   0 0 3,807
PROGRESSIVE CORP COM 743315103 354 3,451 SH   SOLE   0 0 3,451
PROSHARES TR S&P 500 DV ARIST 74348A467 1,287 13,112 SH   SOLE   0 0 13,112
QUALCOMM INC COM 747525103 1,049 5,737 SH   SOLE   0 0 5,737
RAYTHEON TECHNOLOGIES CORP COM 75513E101 261 3,036 SH   SOLE   0 0 3,036
REGIS CORP MINN COM 758932107 70 40,000 SH   SOLE   0 0 40,000
ROBERT HALF INTL INC COM 770323103 357 3,198 SH   SOLE   0 0 3,198
ROBLOX CORP CL A 771049103 723 7,012 SH   SOLE   0 0 7,012
ROCKWELL AUTOMATION INC COM 773903109 470 1,348 SH   SOLE   0 0 1,348
S&P GLOBAL INC COM 78409V104 844 1,788 SH   SOLE   0 0 1,788
SPDR S&P 500 ETF TR TR UNIT 78462F103 42,144 88,731 SH   SOLE   0 0 88,731
SPDR GOLD TR GOLD SHS 78463V107 290 1,694 SH   SOLE   0 0 1,694
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 201 2,614 SH   SOLE   0 0 2,614
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 848 23,249 SH   SOLE   0 0 23,249
SPDR SER TR NYSE TECH ETF 78464A102 602 3,631 SH   SOLE   0 0 3,631
SPDR SER TR BLOOMBERG CONV 78464A359 1,029 12,404 SH   SOLE   0 0 12,404
SPDR SER TR PRTFLO S&P500 GW 78464A409 290 4,000 SH   SOLE   0 0 4,000
SPDR SER TR PORTFOLIO SHORT 78464A474 5,839 188,550 SH   SOLE   0 0 188,550
SPDR SER TR S&P BIOTECH 78464A870 487 4,353 SH   SOLE   0 0 4,353
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 391 8,575 SH   SOLE   0 0 8,575
SPDR SER TR BLOOMBERG INVT 78468R200 4,952 161,886 SH   SOLE   0 0 161,886
SPDR SER TR PRTFLO S&P500 HI 78468R788 285 6,778 SH   SOLE   0 0 6,778
SPDR SER TR PORTFOLIO S&P600 78468R853 1,054 23,589 SH   SOLE   0 0 23,589
SABA CAPITAL INCOME & OPRNT SHARES 78518H103 53 11,770 SH   SOLE   0 0 11,770
SALESFORCE COM INC COM 79466L302 322 1,268 SH   SOLE   0 0 1,268
SANOFI SPONSORED ADR 80105N105 399 7,962 SH   SOLE   0 0 7,962
SCHWAB CHARLES CORP COM 808513105 665 7,910 SH   SOLE   0 0 7,910
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,413 29,850 SH   SOLE   0 0 29,850
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 611 12,017 SH   SOLE   0 0 12,017
SCHWAB STRATEGIC TR US TIPS ETF 808524870 419 6,658 SH   SOLE   0 0 6,658
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 440 2,150 SH   SOLE   0 0 2,150
SELECT SECTOR SPDR TR ENERGY 81369Y506 395 7,111 SH   SOLE   0 0 7,111
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 342 8,759 SH   SOLE   0 0 8,759
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,517 8,724 SH   SOLE   0 0 8,724
SERVICENOW INC COM 81762P102 336 518 SH   SOLE   0 0 518
SHERWIN WILLIAMS CO COM 824348106 475 1,348 SH   SOLE   0 0 1,348
SHOPIFY INC CL A 82509L107 631 458 SH   SOLE   0 0 458
SOLAREDGE TECHNOLOGIES INC COM 83417M104 230 821 SH   SOLE   0 0 821
SOUTH JERSEY INDS INC COM 838518108 313 12,000 SH   SOLE   0 0 12,000
SPIRIT RLTY CAP INC NEW COM NEW 84860W300 296 6,145 SH   SOLE   0 0 6,145
SPROTT PHYSICAL GOLD TR UNIT 85207H104 848 59,078 SH   SOLE   0 0 59,078
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 436 54,316 SH   SOLE   0 0 54,316
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 393 22,150 SH   SOLE   0 0 22,150
STARBUCKS CORP COM 855244109 330 2,823 SH   SOLE   0 0 2,823
STERLING BANCORP DEL COM 85917A100 1,408 54,584 SH   SOLE   0 0 54,584
STRYKER CORPORATION COM 863667101 497 1,858 SH   SOLE   0 0 1,858
TJX COS INC NEW COM 872540109 205 2,703 SH   SOLE   0 0 2,703
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 770 6,402 SH   SOLE   0 0 6,402
TARGET CORP COM 87612E106 500 2,159 SH   SOLE   0 0 2,159
TELLURIAN INC NEW COM 87968A104 36 11,800 SH   SOLE   0 0 11,800
TEMPLETON GLOBAL INCOME FD COM 880198106 73 14,000 SH   SOLE   0 0 14,000
TESLA INC COM 88160R101 928 878 SH   SOLE   0 0 878
TEXAS INSTRS INC COM 882508104 819 4,343 SH   SOLE   0 0 4,343
THE TRADE DESK INC COM CL A 88339J105 238 2,598 SH   SOLE   0 0 2,598
3M CO COM 88579Y101 673 3,787 SH   SOLE   0 0 3,787
TRAVELERS COMPANIES INC COM 89417E109 259 1,658 SH   SOLE   0 0 1,658
TYLER TECHNOLOGIES INC COM 902252105 11,726 21,798 SH   SOLE   0 0 21,798
UBER TECHNOLOGIES INC COM 90353T100 352 8,388 SH   SOLE   0 0 8,388
UNION PAC CORP COM 907818108 515 2,046 SH   SOLE   0 0 2,046
UNITED PARCEL SERVICE INC CL B 911312106 449 2,094 SH   SOLE   0 0 2,094
UNITEDHEALTH GROUP INC COM 91324P102 1,319 2,627 SH   SOLE   0 0 2,627
VANECK ETF TRUST GOLD MINERS ETF 92189F106 279 8,703 SH   SOLE   0 0 8,703
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 501 17,501 SH   SOLE   0 0 17,501
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 450 7,201 SH   SOLE   0 0 7,201
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,396 19,775 SH   SOLE   0 0 19,775
VANGUARD WORLD FD MEGA GRWTH IND 921910816 657 2,520 SH   SOLE   0 0 2,520
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 262 2,452 SH   SOLE   0 0 2,452
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 297 1,550 SH   SOLE   0 0 1,550
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,243 15,377 SH   SOLE   0 0 15,377
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,761 56,180 SH   SOLE   0 0 56,180
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 896 17,553 SH   SOLE   0 0 17,553
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 228 2,034 SH   SOLE   0 0 2,034
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,156 22,490 SH   SOLE   0 0 22,490
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 204 3,699 SH   SOLE   0 0 3,699
VANGUARD WORLD FDS INF TECH ETF 92204A702 719 1,570 SH   SOLE   0 0 1,570
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,857 30,301 SH   SOLE   0 0 30,301
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 772 15,601 SH   SOLE   0 0 15,601
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,224 18,410 SH   SOLE   0 0 18,410
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 518 7,026 SH   SOLE   0 0 7,026
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,884 35,658 SH   SOLE   0 0 35,658
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 306 3,297 SH   SOLE   0 0 3,297
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,022 2,342 SH   SOLE   0 0 2,342
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 651 4,333 SH   SOLE   0 0 4,333
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 381 1,495 SH   SOLE   0 0 1,495
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,480 12,758 SH   SOLE   0 0 12,758
VANGUARD INDEX FDS MID CAP ETF 922908629 267 1,048 SH   SOLE   0 0 1,048
VANGUARD INDEX FDS GROWTH ETF 922908736 469 1,460 SH   SOLE   0 0 1,460
VANGUARD INDEX FDS VALUE ETF 922908744 1,781 12,104 SH   SOLE   0 0 12,104
VANGUARD INDEX FDS SMALL CP ETF 922908751 304 1,347 SH   SOLE   0 0 1,347
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,104 16,996 SH   SOLE   0 0 16,996
VERIZON COMMUNICATIONS INC COM 92343V104 1,191 22,914 SH   SOLE   0 0 22,914
VIATRIS INC COM 92556V106 144 10,641 SH   SOLE   0 0 10,641
VISA INC COM CL A 92826C839 2,402 11,082 SH   SOLE   0 0 11,082
WAITR HLDGS INC COM 930752100 59 80,000 SH   SOLE   0 0 80,000
WALMART INC COM 931142103 381 2,635 SH   SOLE   0 0 2,635
WASTE MGMT INC DEL COM 94106L109 475 2,848 SH   SOLE   0 0 2,848
WELLS FARGO CO NEW COM 949746101 714 14,873 SH   SOLE   0 0 14,873
WISDOMTREE TR US TOTAL DIVIDND 97717W109 255 3,932 SH   SOLE   0 0 3,932
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 396 13,968 SH   SOLE   0 0 13,968
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 957 20,908 SH   SOLE   0 0 20,908
WISDOMTREE TR US QTLY DIV GRT 97717X669 3,603 54,708 SH   SOLE   0 0 54,708
WORLD GOLD TR SPDR GLD MINIS 98149E204 795 43,712 SH   SOLE   0 0 43,712
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 217 365 SH   SOLE   0 0 365
ZOETIS INC CL A 98978V103 935 3,829 SH   SOLE   0 0 3,829