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
AT&T INC COM 00206R102 1,129 47,796 SH   SOLE   0 0 47,796
ABBOTT LABS COM 002824100 527 4,448 SH   SOLE   0 0 4,448
ABBVIE INC COM 00287Y109 1,235 7,618 SH   SOLE   0 0 7,618
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 167 17,420 SH   SOLE   0 0 17,420
ADOBE SYSTEMS INCORPORATED COM 00724F101 565 1,239 SH   SOLE   0 0 1,239
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 642 13,653 SH   SOLE   0 0 13,653
ALPHABET INC CAP STK CL C 02079K107 1,148 411 SH   SOLE   0 0 411
ALPHABET INC CAP STK CL A 02079K305 592 213 SH   SOLE   0 0 213
ALTRIA GROUP INC COM 02209S103 603 11,532 SH   SOLE   0 0 11,532
AMAZON COM INC COM 023135106 1,690 518 SH   SOLE   0 0 518
AMERICAN AIRLS GROUP INC COM 02376R102 206 11,300 SH   SOLE   0 0 11,300
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 441 7,307 SH   SOLE   0 0 7,307
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,223 15,320 SH   SOLE   0 0 15,320
AMERICAN CENTY ETF TR US EQT ETF 025072885 3,132 40,618 SH   SOLE   0 0 40,618
AMERICAN EXPRESS CO COM 025816109 348 1,862 SH   SOLE   0 0 1,862
AMGEN INC COM 031162100 394 1,628 SH   SOLE   0 0 1,628
ANALOG DEVICES INC COM 032654105 518 3,138 SH   SOLE   0 0 3,138
APPLE INC COM 037833100 10,285 58,903 SH   SOLE   0 0 58,903
APPLIED MATLS INC COM 038222105 523 3,968 SH   SOLE   0 0 3,968
BCE INC COM NEW 05534B760 514 9,270 SH   SOLE   0 0 9,270
BANK NEW YORK MELLON CORP COM 064058100 222 4,481 SH   SOLE   0 0 4,481
BECTON DICKINSON & CO COM 075887109 413 1,553 SH   SOLE   0 0 1,553
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,569 7,280 SH   SOLE   0 0 7,280
BLACKROCK CORE BD TR SHS BEN INT 09249E101 171 13,158 SH   SOLE   0 0 13,158
BLACKSTONE INC COM 09260D107 729 5,739 SH   SOLE   0 0 5,739
BOEING CO COM 097023105 519 2,711 SH   SOLE   0 0 2,711
BOOKING HOLDINGS INC COM 09857L108 416 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108 1,210 16,562 SH   SOLE   0 0 16,562
CVS HEALTH CORP COM 126650100 328 3,240 SH   SOLE   0 0 3,240
CHEVRON CORP NEW COM 166764100 460 2,825 SH   SOLE   0 0 2,825
CISCO SYS INC COM 17275R102 390 6,999 SH   SOLE   0 0 6,999
CONSOLIDATED EDISON INC COM 209115104 237 2,500 SH   SOLE   0 0 2,500
CORNING INC COM 219350105 217 5,887 SH   SOLE   0 0 5,887
COSTCO WHSL CORP NEW COM 22160K105 216 375 SH   SOLE   0 0 375
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 956 30,327 SH   SOLE   0 0 30,327
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 403 14,330 SH   SOLE   0 0 14,330
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 596 22,720 SH   SOLE   0 0 22,720
DISNEY WALT CO COM 254687106 1,992 14,522 SH   SOLE   0 0 14,522
ETF SER SOLUTIONS US GLB JETS 26922A842 3,995 183,615 SH   SOLE   0 0 183,615
EATON VANCE TAX-MANAGED GLOB COM 27829F108 749 77,100 SH   SOLE   0 0 77,100
EXXON MOBIL CORP COM 30231G102 1,430 17,320 SH   SOLE   0 0 17,320
META PLATFORMS INC CL A 30303M102 726 3,264 SH   SOLE   0 0 3,264
HOME DEPOT INC COM 437076102 276 920 SH   SOLE   0 0 920
INTEL CORP COM 458140100 543 10,963 SH   SOLE   0 0 10,963
INTERNATIONAL BUSINESS MACHS COM 459200101 680 5,229 SH   SOLE   0 0 5,229
INVESCO QQQ TR UNIT SER 1 46090E103 3,409 9,403 SH   SOLE   0 0 9,403
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,460 181,312 SH   SOLE   0 0 181,312
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 330 11,123 SH   SOLE   0 0 11,123
ISHARES INC MSCI CDA ETF 464286509 300 7,467 SH   SOLE   0 0 7,467
ISHARES TR CORE S&P TTL STK 464287150 8,586 85,059 SH   SOLE   0 0 85,059
ISHARES TR SELECT DIVID ETF 464287168 1,990 15,533 SH   SOLE   0 0 15,533
ISHARES TR CORE S&P500 ETF 464287200 5,905 13,016 SH   SOLE   0 0 13,016
ISHARES TR CORE US AGGBD ET 464287226 4,965 46,362 SH   SOLE   0 0 46,362
ISHARES TR MSCI EMG MKT ETF 464287234 665 14,732 SH   SOLE   0 0 14,732
ISHARES TR IBOXX INV CP ETF 464287242 2,816 23,287 SH   SOLE   0 0 23,287
ISHARES TR S&P 500 GRWT ETF 464287309 390 5,109 SH   SOLE   0 0 5,109
ISHARES TR S&P 500 VAL ETF 464287408 2,962 19,025 SH   SOLE   0 0 19,025
ISHARES TR 1 3 YR TREAS BD 464287457 539 6,472 SH   SOLE   0 0 6,472
ISHARES TR MSCI EAFE ETF 464287465 944 12,820 SH   SOLE   0 0 12,820
ISHARES TR RUS MD CP GR ETF 464287481 1,675 16,669 SH   SOLE   0 0 16,669
ISHARES TR CORE S&P MCP ETF 464287507 23,450 87,388 SH   SOLE   0 0 87,388
ISHARES TR RUS 1000 VAL ETF 464287598 1,143 6,889 SH   SOLE   0 0 6,889
ISHARES TR RUS 1000 GRW ETF 464287614 2,433 8,764 SH   SOLE   0 0 8,764
ISHARES TR RUS 2000 VAL ETF 464287630 888 5,503 SH   SOLE   0 0 5,503
ISHARES TR RUSSELL 3000 ETF 464287689 3,074 11,716 SH   SOLE   0 0 11,716
ISHARES TR CORE S&P SCP ETF 464287804 12,067 111,854 SH   SOLE   0 0 111,854
ISHARES TR SP SMCP600VL ETF 464287879 11,077 108,188 SH   SOLE   0 0 108,188
ISHARES TR EAFE SML CP ETF 464288273 1,216 18,331 SH   SOLE   0 0 18,331
ISHARES TR IBOXX HI YD ETF 464288513 1,330 16,167 SH   SOLE   0 0 16,167
ISHARES TR PFD AND INCM SEC 464288687 6,079 166,909 SH   SOLE   0 0 166,909
ISHARES TR MSCI USA ESG SLC 464288802 651 6,721 SH   SOLE   0 0 6,721
ISHARES TR EAFE VALUE ETF 464288877 2,620 52,123 SH   SOLE   0 0 52,123
ISHARES TR AGGRES ALLOC ETF 464289859 277 4,019 SH   SOLE   0 0 4,019
ISHARES TR FLTG RATE NT ETF 46429B655 680 13,461 SH   SOLE   0 0 13,461
ISHARES TR CORE HIGH DV ETF 46429B663 752 7,038 SH   SOLE   0 0 7,038
ISHARES TR MSCI EAFE MIN VL 46429B689 300 4,160 SH   SOLE   0 0 4,160
ISHARES TR MSCI USA MIN VOL 46429B697 7,605 98,044 SH   SOLE   0 0 98,044
ISHARES TR MSCI USA QLT FCT 46432F339 18,850 140,012 SH   SOLE   0 0 140,012
ISHARES TR MSCI USA MMENTM 46432F396 16,842 100,090 SH   SOLE   0 0 100,090
ISHARES TR CORE MSCI TOTAL 46432F834 627 9,416 SH   SOLE   0 0 9,416
ISHARES TR CORE MSCI EAFE 46432F842 3,022 43,477 SH   SOLE   0 0 43,477
ISHARES TR MSCI INTL QUALTY 46434V456 4,799 130,171 SH   SOLE   0 0 130,171
ISHARES TR ESG AWARE MSCI 46435U663 348 9,160 SH   SOLE   0 0 9,160
ISHARES TR BROAD USD HIGH 46435U853 1,258 32,385 SH   SOLE   0 0 32,385
JPMORGAN CHASE & CO COM 46625H100 693 5,085 SH   SOLE   0 0 5,085
JOHNSON & JOHNSON COM 478160104 416 2,349 SH   SOLE   0 0 2,349
LAM RESEARCH CORP COM 512807108 319 593 SH   SOLE   0 0 593
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 135 16,760 SH   SOLE   0 0 16,760
MARATHON PETE CORP COM 56585A102 207 2,417 SH   SOLE   0 0 2,417
MCDONALDS CORP COM 580135101 860 3,480 SH   SOLE   0 0 3,480
MERCK & CO INC COM 58933Y105 687 8,373 SH   SOLE   0 0 8,373
MICROSOFT CORP COM 594918104 5,371 17,420 SH   SOLE   0 0 17,420
MICROCHIP TECHNOLOGY INC. COM 595017104 231 3,080 SH   SOLE   0 0 3,080
NETFLIX INC COM 64110L106 555 1,482 SH   SOLE   0 0 1,482
NEW YORK CMNTY BANCORP INC COM 649445103 339 31,582 SH   SOLE   0 0 31,582
NEXTERA ENERGY INC COM 65339F101 389 4,596 SH   SOLE   0 0 4,596
NUCOR CORP COM 670346105 253 1,700 SH   SOLE   0 0 1,700
NVIDIA CORPORATION COM 67066G104 435 1,595 SH   SOLE   0 0 1,595
OPKO HEALTH INC COM 68375N103 277 80,610 SH   SOLE   0 0 80,610
ORACLE CORP COM 68389X105 277 3,347 SH   SOLE   0 0 3,347
PPL CORP COM 69351T106 633 22,153 SH   SOLE   0 0 22,153
PACKAGING CORP AMER COM 695156109 242 1,551 SH   SOLE   0 0 1,551
PALANTIR TECHNOLOGIES INC CL A 69608A108 152 11,100 SH   SOLE   0 0 11,100
PALO ALTO NETWORKS INC COM 697435105 370 594 SH   SOLE   0 0 594
PEPSICO INC COM 713448108 614 3,668 SH   SOLE   0 0 3,668
PFIZER INC COM 717081103 438 8,455 SH   SOLE   0 0 8,455
PHILIP MORRIS INTL INC COM 718172109 640 6,812 SH   SOLE   0 0 6,812
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 715 7,142 SH   SOLE   0 0 7,142
PROCTER AND GAMBLE CO COM 742718109 674 4,412 SH   SOLE   0 0 4,412
PRUDENTIAL FINL INC COM 744320102 309 2,615 SH   SOLE   0 0 2,615
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 925 13,216 SH   SOLE   0 0 13,216
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,935 19,784 SH   SOLE   0 0 19,784
SPDR GOLD TR GOLD SHS 78463V107 335 1,852 SH   SOLE   0 0 1,852
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 302 8,842 SH   SOLE   0 0 8,842
SPDR SER TR S&P 600 SMCP VAL 78464A300 252 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 596 1,719 SH   SOLE   0 0 1,719
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,989 45,258 SH   SOLE   0 0 45,258
SALESFORCE COM INC COM 79466L302 638 3,007 SH   SOLE   0 0 3,007
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 872 12,211 SH   SOLE   0 0 12,211
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 258 6,803 SH   SOLE   0 0 6,803
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,080 14,134 SH   SOLE   0 0 14,134
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,151 30,047 SH   SOLE   0 0 30,047
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,834 11,541 SH   SOLE   0 0 11,541
SERVICENOW INC COM 81762P102 415 746 SH   SOLE   0 0 746
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 224 13,933 SH   SOLE   0 0 13,933
SYNOPSYS INC COM 871607107 336 1,009 SH   SOLE   0 0 1,009
T-MOBILE US INC COM 872590104 506 3,945 SH   SOLE   0 0 3,945
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 359 3,448 SH   SOLE   0 0 3,448
TESLA INC COM 88160R101 567 526 SH   SOLE   0 0 526
TORONTO DOMINION BK ONT COM NEW 891160509 650 8,190 SH   SOLE   0 0 8,190
TRIPLEPOINT VENTURE GROWTH B COM 89677Y100 187 10,683 SH   SOLE   0 0 10,683
TWILIO INC CL A 90138F102 291 1,764 SH   SOLE   0 0 1,764
UBER TECHNOLOGIES INC COM 90353T100 230 6,442 SH   SOLE   0 0 6,442
VBI VACCINES INC CDA COM NEW 91822J103 17 10,000 SH   SOLE   0 0 10,000
VALLEY NATL BANCORP COM 919794107 254 19,529 SH   SOLE   0 0 19,529
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,268 13,986 SH   SOLE   0 0 13,986
VANGUARD STAR FDS VG TL INTL STK F 921909768 204 3,408 SH   SOLE   0 0 3,408
VANGUARD WORLD FD MEGA GRWTH IND 921910816 278 1,180 SH   SOLE   0 0 1,180
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 222 804 SH   SOLE   0 0 804
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 216 1,090 SH   SOLE   0 0 1,090
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,048 5,767 SH   SOLE   0 0 5,767
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,029 12,559 SH   SOLE   0 0 12,559
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,114 65,653 SH   SOLE   0 0 65,653
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 264 3,320 SH   SOLE   0 0 3,320
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,931 40,208 SH   SOLE   0 0 40,208
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 372 3,311 SH   SOLE   0 0 3,311
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 695 10,274 SH   SOLE   0 0 10,274
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 651 6,429 SH   SOLE   0 0 6,429
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,726 59,090 SH   SOLE   0 0 59,090
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 220 2,976 SH   SOLE   0 0 2,976
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 229 3,679 SH   SOLE   0 0 3,679
VANGUARD WORLD FDS UTILITIES ETF 92204A876 746 4,610 SH   SOLE   0 0 4,610
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,671 85,422 SH   SOLE   0 0 85,422
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 958 11,470 SH   SOLE   0 0 11,470
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,305 15,171 SH   SOLE   0 0 15,171
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,361 5,686 SH   SOLE   0 0 5,686
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,520 32,481 SH   SOLE   0 0 32,481
VANGUARD INDEX FDS SML CP GRW ETF 922908595 575 2,318 SH   SOLE   0 0 2,318
VANGUARD INDEX FDS SM CP VAL ETF 922908611 287 1,629 SH   SOLE   0 0 1,629
VANGUARD INDEX FDS MID CAP ETF 922908629 2,035 8,556 SH   SOLE   0 0 8,556
VANGUARD INDEX FDS LARGE CAP ETF 922908637 601 2,881 SH   SOLE   0 0 2,881
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 214 1,294 SH   SOLE   0 0 1,294
VANGUARD INDEX FDS GROWTH ETF 922908736 1,233 4,287 SH   SOLE   0 0 4,287
VANGUARD INDEX FDS VALUE ETF 922908744 8,020 54,271 SH   SOLE   0 0 54,271
VANGUARD INDEX FDS SMALL CP ETF 922908751 738 3,475 SH   SOLE   0 0 3,475
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,039 13,350 SH   SOLE   0 0 13,350
VERIZON COMMUNICATIONS INC COM 92343V104 763 14,979 SH   SOLE   0 0 14,979
WISDOMTREE TR US AI ENHANCED 97717W406 204 2,057 SH   SOLE   0 0 2,057
WORKDAY INC CL A 98138H101 353 1,476 SH   SOLE   0 0 1,476
ATLASSIAN CORP PLC CL A G06242104 744 2,532 SH   SOLE   0 0 2,532