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 941 44,901 SH   SOLE   0 0 44,901
ABBOTT LABS COM 002824100 483 4,449 SH   SOLE   0 0 4,449
ABBVIE INC COM 00287Y109 1,159 7,569 SH   SOLE   0 0 7,569
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 141 17,420 SH   SOLE   0 0 17,420
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 578 13,903 SH   SOLE   0 0 13,903
ALPHABET INC CAP STK CL C 02079K107 906 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL A 02079K305 493 226 SH   SOLE   0 0 226
ALTRIA GROUP INC COM 02209S103 512 12,267 SH   SOLE   0 0 12,267
AMAZON COM INC COM 023135106 1,594 15,003 SH   SOLE   0 0 15,003
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 656 12,599 SH   SOLE   0 0 12,599
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 1,865 36,599 SH   SOLE   0 0 36,599
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,462 36,022 SH   SOLE   0 0 36,022
AMERICAN CENTY ETF TR US EQT ETF 025072885 4,779 73,474 SH   SOLE   0 0 73,474
AMERICAN EXPRESS CO COM 025816109 258 1,863 SH   SOLE   0 0 1,863
AMGEN INC COM 031162100 396 1,630 SH   SOLE   0 0 1,630
ANALOG DEVICES INC COM 032654105 458 3,138 SH   SOLE   0 0 3,138
APPLE INC COM 037833100 8,128 59,451 SH   SOLE   0 0 59,451
APPLIED MATLS INC COM 038222105 361 3,968 SH   SOLE   0 0 3,968
BCE INC COM NEW 05534B760 456 9,270 SH   SOLE   0 0 9,270
BECTON DICKINSON & CO COM 075887109 383 1,553 SH   SOLE   0 0 1,553
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 947 3,468 SH   SOLE   0 0 3,468
BLACKROCK CORE BD TR SHS BEN INT 09249E101 135 11,918 SH   SOLE   0 0 11,918
BLACKSTONE INC COM 09260D107 524 5,747 SH   SOLE   0 0 5,747
BOEING CO COM 097023105 369 2,699 SH   SOLE   0 0 2,699
BOOKING HOLDINGS INC COM 09857L108 310 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108 1,046 13,580 SH   SOLE   0 0 13,580
CVS HEALTH CORP COM 126650100 300 3,243 SH   SOLE   0 0 3,243
CHEVRON CORP NEW COM 166764100 409 2,828 SH   SOLE   0 0 2,828
CISCO SYS INC COM 17275R102 247 5,783 SH   SOLE   0 0 5,783
COLGATE PALMOLIVE CO COM 194162103 205 2,552 SH   SOLE   0 0 2,552
CONSOLIDATED EDISON INC COM 209115104 225 2,370 SH   SOLE   0 0 2,370
COSTCO WHSL CORP NEW COM 22160K105 285 595 SH   SOLE   0 0 595
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,227 46,426 SH   SOLE   0 0 46,426
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,487 61,601 SH   SOLE   0 0 61,601
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 934 40,336 SH   SOLE   0 0 40,336
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 23,238 570,262 SH   SOLE   0 0 570,262
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 12,867 268,067 SH   SOLE   0 0 268,067
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 28,493 708,431 SH   SOLE   0 0 708,431
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 41,442 1,778,634 SH   SOLE   0 0 1,778,634
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 26,247 830,592 SH   SOLE   0 0 830,592
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 1,650 77,235 SH   SOLE   0 0 77,235
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,880 168,909 SH   SOLE   0 0 168,909
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 2,855 126,900 SH   SOLE   0 0 126,900
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 228 4,749 SH   SOLE   0 0 4,749
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,129 24,084 SH   SOLE   0 0 24,084
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 1,540 35,310 SH   SOLE   0 0 35,310
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,426 113,172 SH   SOLE   0 0 113,172
DISNEY WALT CO COM 254687106 1,094 11,586 SH   SOLE   0 0 11,586
ETF SER SOLUTIONS US GLB JETS 26922A842 2,584 156,588 SH   SOLE   0 0 156,588
EATON VANCE TAX-MANAGED GLOB COM 27829F108 564 73,100 SH   SOLE   0 0 73,100
EXXON MOBIL CORP COM 30231G102 1,484 17,324 SH   SOLE   0 0 17,324
META PLATFORMS INC CL A 30303M102 473 2,935 SH   SOLE   0 0 2,935
HOME DEPOT INC COM 437076102 252 919 SH   SOLE   0 0 919
INTEL CORP COM 458140100 428 11,434 SH   SOLE   0 0 11,434
INTERNATIONAL BUSINESS MACHS COM 459200101 722 5,113 SH   SOLE   0 0 5,113
INVESCO QQQ TR UNIT SER 1 46090E103 2,594 9,254 SH   SOLE   0 0 9,254
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,708 138,410 SH   SOLE   0 0 138,410
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 304 10,973 SH   SOLE   0 0 10,973
ISHARES TR CORE S&P TTL STK 464287150 8,379 100,012 SH   SOLE   0 0 100,012
ISHARES TR SELECT DIVID ETF 464287168 1,129 9,590 SH   SOLE   0 0 9,590
ISHARES TR CORE S&P500 ETF 464287200 5,245 13,834 SH   SOLE   0 0 13,834
ISHARES TR CORE US AGGBD ET 464287226 3,900 38,352 SH   SOLE   0 0 38,352
ISHARES TR MSCI EMG MKT ETF 464287234 577 14,384 SH   SOLE   0 0 14,384
ISHARES TR IBOXX INV CP ETF 464287242 1,428 12,983 SH   SOLE   0 0 12,983
ISHARES TR S&P 500 GRWT ETF 464287309 309 5,116 SH   SOLE   0 0 5,116
ISHARES TR S&P 500 VAL ETF 464287408 2,615 19,027 SH   SOLE   0 0 19,027
ISHARES TR 1 3 YR TREAS BD 464287457 601 7,255 SH   SOLE   0 0 7,255
ISHARES TR MSCI EAFE ETF 464287465 548 8,773 SH   SOLE   0 0 8,773
ISHARES TR RUS MD CP GR ETF 464287481 1,310 16,542 SH   SOLE   0 0 16,542
ISHARES TR CORE S&P MCP ETF 464287507 20,326 89,847 SH   SOLE   0 0 89,847
ISHARES TR RUS 1000 VAL ETF 464287598 1,020 7,039 SH   SOLE   0 0 7,039
ISHARES TR RUS 1000 GRW ETF 464287614 1,597 7,302 SH   SOLE   0 0 7,302
ISHARES TR RUS 2000 VAL ETF 464287630 748 5,496 SH   SOLE   0 0 5,496
ISHARES TR RUSSELL 3000 ETF 464287689 2,361 10,863 SH   SOLE   0 0 10,863
ISHARES TR CORE S&P SCP ETF 464287804 10,259 111,019 SH   SOLE   0 0 111,019
ISHARES TR SP SMCP600VL ETF 464287879 9,213 103,485 SH   SOLE   0 0 103,485
ISHARES TR EAFE SML CP ETF 464288273 928 16,994 SH   SOLE   0 0 16,994
ISHARES TR IBOXX HI YD ETF 464288513 605 8,216 SH   SOLE   0 0 8,216
ISHARES TR PFD AND INCM SEC 464288687 4,820 146,605 SH   SOLE   0 0 146,605
ISHARES TR MSCI USA ESG SLC 464288802 542 6,721 SH   SOLE   0 0 6,721
ISHARES TR EAFE VALUE ETF 464288877 2,294 52,848 SH   SOLE   0 0 52,848
ISHARES TR AGGRES ALLOC ETF 464289859 284 4,739 SH   SOLE   0 0 4,739
ISHARES TR FLTG RATE NT ETF 46429B655 672 13,466 SH   SOLE   0 0 13,466
ISHARES TR CORE HIGH DV ETF 46429B663 697 6,944 SH   SOLE   0 0 6,944
ISHARES TR MSCI EAFE MIN VL 46429B689 263 4,160 SH   SOLE   0 0 4,160
ISHARES TR MSCI USA MIN VOL 46429B697 8,017 114,189 SH   SOLE   0 0 114,189
ISHARES TR MSCI USA QLT FCT 46432F339 15,557 139,239 SH   SOLE   0 0 139,239
ISHARES TR MSCI USA MMENTM 46432F396 13,571 99,517 SH   SOLE   0 0 99,517
ISHARES TR CORE MSCI TOTAL 46432F834 537 9,422 SH   SOLE   0 0 9,422
ISHARES TR CORE MSCI EAFE 46432F842 2,434 41,352 SH   SOLE   0 0 41,352
ISHARES TR MSCI INTL QUALTY 46434V456 3,477 112,421 SH   SOLE   0 0 112,421
ISHARES TR ESG AWARE MSCI 46435U663 289 9,160 SH   SOLE   0 0 9,160
ISHARES TR BROAD USD HIGH 46435U853 1,122 32,414 SH   SOLE   0 0 32,414
JPMORGAN CHASE & CO COM 46625H100 500 4,441 SH   SOLE   0 0 4,441
JOHNSON & JOHNSON COM 478160104 1,745 9,828 SH   SOLE   0 0 9,828
LAM RESEARCH CORP COM 512807108 253 593 SH   SOLE   0 0 593
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 105 16,760 SH   SOLE   0 0 16,760
MCDONALDS CORP COM 580135101 808 3,274 SH   SOLE   0 0 3,274
MERCK & CO INC COM 58933Y105 427 4,685 SH   SOLE   0 0 4,685
MICROSOFT CORP COM 594918104 4,608 17,941 SH   SOLE   0 0 17,941
NEW YORK CMNTY BANCORP INC COM 649445103 294 32,175 SH   SOLE   0 0 32,175
NEXTERA ENERGY INC COM 65339F101 201 2,596 SH   SOLE   0 0 2,596
NVIDIA CORPORATION COM 67066G104 231 1,524 SH   SOLE   0 0 1,524
ORACLE CORP COM 68389X105 230 3,288 SH   SOLE   0 0 3,288
PPL CORP COM 69351T106 560 20,653 SH   SOLE   0 0 20,653
PACKAGING CORP AMER COM 695156109 210 1,526 SH   SOLE   0 0 1,526
PALO ALTO NETWORKS INC COM 697435105 293 594 SH   SOLE   0 0 594
PEPSICO INC COM 713448108 611 3,668 SH   SOLE   0 0 3,668
PFIZER INC COM 717081103 348 6,632 SH   SOLE   0 0 6,632
PHILIP MORRIS INTL INC COM 718172109 673 6,812 SH   SOLE   0 0 6,812
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 512 5,163 SH   SOLE   0 0 5,163
PREDICTIVE ONCOLOGY INC COM NEW 74039M200 44 107,437 SH   SOLE   0 0 107,437
PROCTER AND GAMBLE CO COM 742718109 638 4,440 SH   SOLE   0 0 4,440
PRUDENTIAL FINL INC COM 744320102 285 2,984 SH   SOLE   0 0 2,984
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 836 13,216 SH   SOLE   0 0 13,216
SHELL PLC SPON ADS 780259305 205 3,924 SH   SOLE   0 0 3,924
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,164 18,991 SH   SOLE   0 0 18,991
SPDR GOLD TR GOLD SHS 78463V107 370 2,198 SH   SOLE   0 0 2,198
SPDR SER TR S&P 600 SMCP VAL 78464A300 219 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 488 1,584 SH   SOLE   0 0 1,584
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,152 28,856 SH   SOLE   0 0 28,856
SALESFORCE INC COM 79466L302 497 3,010 SH   SOLE   0 0 3,010
SAMSARA INC COM CL A 79589L106 445 39,835 SH   SOLE   0 0 39,835
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 762 12,211 SH   SOLE   0 0 12,211
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 212 6,803 SH   SOLE   0 0 6,803
SELECT SECTOR SPDR TR ENERGY 81369Y506 997 13,936 SH   SOLE   0 0 13,936
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 550 17,497 SH   SOLE   0 0 17,497
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,640 12,904 SH   SOLE   0 0 12,904
SERVICENOW INC COM 81762P102 355 746 SH   SOLE   0 0 746
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 210 13,742 SH   SOLE   0 0 13,742
T-MOBILE US INC COM 872590104 592 4,400 SH   SOLE   0 0 4,400
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 282 3,448 SH   SOLE   0 0 3,448
TESLA INC COM 88160R101 307 456 SH   SOLE   0 0 456
TORONTO DOMINION BK ONT COM NEW 891160509 537 8,190 SH   SOLE   0 0 8,190
UBER TECHNOLOGIES INC COM 90353T100 224 10,944 SH   SOLE   0 0 10,944
VBI VACCINES INC CDA COM NEW 91822J103 8 10,000 SH   SOLE   0 0 10,000
VALLEY NATL BANCORP COM 919794107 204 19,549 SH   SOLE   0 0 19,549
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,964 13,688 SH   SOLE   0 0 13,688
VANGUARD WORLD FD MEGA GRWTH IND 921910816 214 1,180 SH   SOLE   0 0 1,180
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 884 5,770 SH   SOLE   0 0 5,770
VANGUARD BD INDEX FDS INTERMED TERM 921937819 910 11,722 SH   SOLE   0 0 11,722
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,007 39,161 SH   SOLE   0 0 39,161
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,248 30,581 SH   SOLE   0 0 30,581
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 342 3,361 SH   SOLE   0 0 3,361
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 378 6,422 SH   SOLE   0 0 6,422
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 634 12,650 SH   SOLE   0 0 12,650
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 431 8,750 SH   SOLE   0 0 8,750
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 553 6,480 SH   SOLE   0 0 6,480
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,911 45,871 SH   SOLE   0 0 45,871
VANGUARD WORLD FDS UTILITIES ETF 92204A876 706 4,636 SH   SOLE   0 0 4,636
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,058 66,320 SH   SOLE   0 0 66,320
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 710 9,214 SH   SOLE   0 0 9,214
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 639 7,991 SH   SOLE   0 0 7,991
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,150 6,199 SH   SOLE   0 0 6,199
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,891 31,728 SH   SOLE   0 0 31,728
VANGUARD INDEX FDS SML CP GRW ETF 922908595 362 1,838 SH   SOLE   0 0 1,838
VANGUARD INDEX FDS MID CAP ETF 922908629 1,602 8,135 SH   SOLE   0 0 8,135
VANGUARD INDEX FDS LARGE CAP ETF 922908637 324 1,881 SH   SOLE   0 0 1,881
VANGUARD INDEX FDS GROWTH ETF 922908736 960 4,307 SH   SOLE   0 0 4,307
VANGUARD INDEX FDS VALUE ETF 922908744 6,760 51,257 SH   SOLE   0 0 51,257
VANGUARD INDEX FDS SMALL CP ETF 922908751 450 2,556 SH   SOLE   0 0 2,556
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,537 13,452 SH   SOLE   0 0 13,452
VERIZON COMMUNICATIONS INC COM 92343V104 775 15,263 SH   SOLE   0 0 15,263
ATLASSIAN CORP PLC CL A G06242104 474 2,532 SH   SOLE   0 0 2,532