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 676 44,049 SH   SOLE   0 0 44,049
ABBOTT LABS COM 002824100 431 4,450 SH   SOLE   0 0 4,450
ABBVIE INC COM 00287Y109 1,015 7,563 SH   SOLE   0 0 7,563
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100 124 17,420 SH   SOLE   0 0 17,420
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 463 13,203 SH   SOLE   0 0 13,203
ALPHABET INC CAP STK CL C 02079K107 760 7,900 SH   SOLE   0 0 7,900
ALPHABET INC CAP STK CL A 02079K305 432 4,520 SH   SOLE   0 0 4,520
ALTRIA GROUP INC COM 02209S103 496 12,279 SH   SOLE   0 0 12,279
AMAZON COM INC COM 023135106 1,673 14,803 SH   SOLE   0 0 14,803
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 976 21,255 SH   SOLE   0 0 21,255
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 3,959 86,787 SH   SOLE   0 0 86,787
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,352 50,675 SH   SOLE   0 0 50,675
AMERICAN CENTY ETF TR US EQT ETF 025072885 8,367 134,199 SH   SOLE   0 0 134,199
AMERICAN EXPRESS CO COM 025816109 251 1,864 SH   SOLE   0 0 1,864
AMGEN INC COM 031162100 335 1,485 SH   SOLE   0 0 1,485
APPLE INC COM 037833100 7,775 56,257 SH   SOLE   0 0 56,257
APPLIED MATLS INC COM 038222105 306 3,733 SH   SOLE   0 0 3,733
BCE INC COM NEW 05534B760 368 8,770 SH   SOLE   0 0 8,770
BECTON DICKINSON & CO COM 075887109 346 1,553 SH   SOLE   0 0 1,553
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 953 3,569 SH   SOLE   0 0 3,569
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 204 17,342 SH   SOLE   0 0 17,342
BLACKSTONE INC COM 09260D107 481 5,750 SH   SOLE   0 0 5,750
BOEING CO COM 097023105 303 2,503 SH   SOLE   0 0 2,503
BOOKING HOLDINGS INC COM 09857L108 291 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108 939 13,208 SH   SOLE   0 0 13,208
CVS HEALTH CORP COM 126650100 307 3,224 SH   SOLE   0 0 3,224
CHEVRON CORP NEW COM 166764100 407 2,830 SH   SOLE   0 0 2,830
CISCO SYS INC COM 17275R102 231 5,783 SH   SOLE   0 0 5,783
COSTCO WHSL CORP NEW COM 22160K105 281 595 SH   SOLE   0 0 595
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,994 79,289 SH   SOLE   0 0 79,289
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,679 77,823 SH   SOLE   0 0 77,823
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,687 83,977 SH   SOLE   0 0 83,977
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 22,135 570,188 SH   SOLE   0 0 570,188
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 13,043 280,366 SH   SOLE   0 0 280,366
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 28,072 720,353 SH   SOLE   0 0 720,353
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 42,537 1,912,654 SH   SOLE   0 0 1,912,654
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 25,095 847,504 SH   SOLE   0 0 847,504
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 2,339 122,649 SH   SOLE   0 0 122,649
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 275 14,356 SH   SOLE   0 0 14,356
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,402 170,868 SH   SOLE   0 0 170,868
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 5,836 273,485 SH   SOLE   0 0 273,485
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 397 8,519 SH   SOLE   0 0 8,519
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,682 36,564 SH   SOLE   0 0 36,564
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 1,925 47,011 SH   SOLE   0 0 47,011
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,096 110,963 SH   SOLE   0 0 110,963
DISNEY WALT CO COM 254687106 457 4,849 SH   SOLE   0 0 4,849
ETF SER SOLUTIONS US GLB JETS 26922A842 805 53,604 SH   SOLE   0 0 53,604
EATON VANCE TAX-MANAGED GLOB COM 27829F108 530 73,100 SH   SOLE   0 0 73,100
EXXON MOBIL CORP COM 30231G102 1,521 17,422 SH   SOLE   0 0 17,422
META PLATFORMS INC CL A 30303M102 394 2,902 SH   SOLE   0 0 2,902
FORD MTR CO DEL COM 345370860 147 13,163 SH   SOLE   0 0 13,163
HOME DEPOT INC COM 437076102 626 2,270 SH   SOLE   0 0 2,270
INTEL CORP COM 458140100 295 11,439 SH   SOLE   0 0 11,439
INTERNATIONAL BUSINESS MACHS COM 459200101 607 5,112 SH   SOLE   0 0 5,112
INVESCO QQQ TR UNIT SER 1 46090E103 2,592 9,697 SH   SOLE   0 0 9,697
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,697 142,855 SH   SOLE   0 0 142,855
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 1,303 11,852 SH   SOLE   0 0 11,852
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 261 10,163 SH   SOLE   0 0 10,163
ISHARES TR CORE S&P TTL STK 464287150 8,604 108,170 SH   SOLE   0 0 108,170
ISHARES TR SELECT DIVID ETF 464287168 1,004 9,361 SH   SOLE   0 0 9,361
ISHARES TR CORE S&P500 ETF 464287200 4,882 13,611 SH   SOLE   0 0 13,611
ISHARES TR CORE US AGGBD ET 464287226 3,717 38,578 SH   SOLE   0 0 38,578
ISHARES TR MSCI EMG MKT ETF 464287234 517 14,832 SH   SOLE   0 0 14,832
ISHARES TR IBOXX INV CP ETF 464287242 1,013 9,892 SH   SOLE   0 0 9,892
ISHARES TR S&P 500 GRWT ETF 464287309 296 5,117 SH   SOLE   0 0 5,117
ISHARES TR S&P 500 VAL ETF 464287408 2,442 19,004 SH   SOLE   0 0 19,004
ISHARES TR 1 3 YR TREAS BD 464287457 450 5,538 SH   SOLE   0 0 5,538
ISHARES TR MSCI EAFE ETF 464287465 486 8,680 SH   SOLE   0 0 8,680
ISHARES TR RUS MD CP GR ETF 464287481 1,262 16,089 SH   SOLE   0 0 16,089
ISHARES TR CORE S&P MCP ETF 464287507 20,977 95,672 SH   SOLE   0 0 95,672
ISHARES TR RUS 1000 VAL ETF 464287598 718 5,279 SH   SOLE   0 0 5,279
ISHARES TR RUS 1000 GRW ETF 464287614 1,635 7,772 SH   SOLE   0 0 7,772
ISHARES TR RUS 2000 VAL ETF 464287630 709 5,496 SH   SOLE   0 0 5,496
ISHARES TR RUSSELL 3000 ETF 464287689 2,049 9,897 SH   SOLE   0 0 9,897
ISHARES TR CORE S&P SCP ETF 464287804 10,571 121,240 SH   SOLE   0 0 121,240
ISHARES TR SP SMCP600VL ETF 464287879 8,288 100,524 SH   SOLE   0 0 100,524
ISHARES TR EAFE SML CP ETF 464288273 797 16,344 SH   SOLE   0 0 16,344
ISHARES TR IBOXX HI YD ETF 464288513 496 6,949 SH   SOLE   0 0 6,949
ISHARES TR PFD AND INCM SEC 464288687 4,071 128,532 SH   SOLE   0 0 128,532
ISHARES TR MSCI USA ESG SLC 464288802 510 6,721 SH   SOLE   0 0 6,721
ISHARES TR EAFE VALUE ETF 464288877 1,951 50,631 SH   SOLE   0 0 50,631
ISHARES TR FLTG RATE NT ETF 46429B655 678 13,481 SH   SOLE   0 0 13,481
ISHARES TR CORE HIGH DV ETF 46429B663 634 6,944 SH   SOLE   0 0 6,944
ISHARES TR MSCI EAFE MIN VL 46429B689 237 4,160 SH   SOLE   0 0 4,160
ISHARES TR MSCI USA MIN VOL 46429B697 8,508 128,708 SH   SOLE   0 0 128,708
ISHARES TR MSCI USA QLT FCT 46432F339 15,209 146,329 SH   SOLE   0 0 146,329
ISHARES TR MSCI USA MMENTM 46432F396 11,817 90,087 SH   SOLE   0 0 90,087
ISHARES TR CORE MSCI TOTAL 46432F834 480 9,422 SH   SOLE   0 0 9,422
ISHARES TR CORE MSCI EAFE 46432F842 1,832 34,791 SH   SOLE   0 0 34,791
ISHARES TR MSCI INTL QUALTY 46434V456 3,073 110,609 SH   SOLE   0 0 110,609
ISHARES TR ESG AWARE MSCI 46435U663 312 10,159 SH   SOLE   0 0 10,159
ISHARES TR BROAD USD HIGH 46435U853 985 29,307 SH   SOLE   0 0 29,307
JPMORGAN CHASE & CO COM 46625H100 462 4,419 SH   SOLE   0 0 4,419
JOHNSON & JOHNSON COM 478160104 2,869 17,563 SH   SOLE   0 0 17,563
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 93 16,760 SH   SOLE   0 0 16,760
MARATHON PETE CORP COM 56585A102 240 2,417 SH   SOLE   0 0 2,417
MCDONALDS CORP COM 580135101 758 3,284 SH   SOLE   0 0 3,284
MERCK & CO INC COM 58933Y105 389 4,515 SH   SOLE   0 0 4,515
MICROSOFT CORP COM 594918104 3,790 16,275 SH   SOLE   0 0 16,275
NETFLIX INC COM 64110L106 222 945 SH   SOLE   0 0 945
NEW YORK CMNTY BANCORP INC COM 649445103 274 32,175 SH   SOLE   0 0 32,175
ORACLE CORP COM 68389X105 201 3,288 SH   SOLE   0 0 3,288
PPL CORP COM 69351T106 349 13,769 SH   SOLE   0 0 13,769
PALO ALTO NETWORKS INC COM 697435105 292 1,782 SH   SOLE   0 0 1,782
PEPSICO INC COM 713448108 601 3,682 SH   SOLE   0 0 3,682
PFIZER INC COM 717081103 292 6,682 SH   SOLE   0 0 6,682
PHILIP MORRIS INTL INC COM 718172109 565 6,812 SH   SOLE   0 0 6,812
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 231 2,341 SH   SOLE   0 0 2,341
PREDICTIVE ONCOLOGY INC COM NEW 74039M200 39 107,437 SH   SOLE   0 0 107,437
PROCTER AND GAMBLE CO COM 742718109 545 4,320 SH   SOLE   0 0 4,320
PRUDENTIAL FINL INC COM 744320102 256 2,982 SH   SOLE   0 0 2,982
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 726 12,917 SH   SOLE   0 0 12,917
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,298 17,634 SH   SOLE   0 0 17,634
SPDR GOLD TR GOLD SHS 78463V107 292 1,887 SH   SOLE   0 0 1,887
SPDR SER TR S&P 600 SMCP VAL 78464A300 203 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 455 1,584 SH   SOLE   0 0 1,584
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,163 32,801 SH   SOLE   0 0 32,801
SALESFORCE INC COM 79466L302 433 3,010 SH   SOLE   0 0 3,010
SAMSARA INC COM CL A 79589L106 594 49,202 SH   SOLE   0 0 49,202
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 714 12,211 SH   SOLE   0 0 12,211
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,005 13,958 SH   SOLE   0 0 13,958
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 531 17,497 SH   SOLE   0 0 17,497
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,371 11,543 SH   SOLE   0 0 11,543
SERVICENOW INC COM 81762P102 282 746 SH   SOLE   0 0 746
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 207 13,742 SH   SOLE   0 0 13,742
T-MOBILE US INC COM 872590104 590 4,400 SH   SOLE   0 0 4,400
TESLA INC COM 88160R101 284 1,071 SH   SOLE   0 0 1,071
TORONTO DOMINION BK ONT COM NEW 891160509 502 8,190 SH   SOLE   0 0 8,190
VBI VACCINES INC CDA COM NEW 91822J103 7 10,000 SH   SOLE   0 0 10,000
VALLEY NATL BANCORP COM 919794107 236 21,889 SH   SOLE   0 0 21,889
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,850 13,689 SH   SOLE   0 0 13,689
VANGUARD WORLD FD MEGA GRWTH IND 921910816 206 1,180 SH   SOLE   0 0 1,180
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 857 5,770 SH   SOLE   0 0 5,770
VANGUARD BD INDEX FDS INTERMED TERM 921937819 769 10,466 SH   SOLE   0 0 10,466
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,530 33,810 SH   SOLE   0 0 33,810
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,068 29,380 SH   SOLE   0 0 29,380
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 345 3,641 SH   SOLE   0 0 3,641
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 337 6,481 SH   SOLE   0 0 6,481
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 599 12,449 SH   SOLE   0 0 12,449
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 429 8,769 SH   SOLE   0 0 8,769
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 514 6,511 SH   SOLE   0 0 6,511
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,326 36,334 SH   SOLE   0 0 36,334
VANGUARD WORLD FDS UTILITIES ETF 92204A876 654 4,599 SH   SOLE   0 0 4,599
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,181 56,280 SH   SOLE   0 0 56,280
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 669 9,223 SH   SOLE   0 0 9,223
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 508 6,717 SH   SOLE   0 0 6,717
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 818 16,999 SH   SOLE   0 0 16,999
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,057 6,265 SH   SOLE   0 0 6,265
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,398 29,910 SH   SOLE   0 0 29,910
VANGUARD INDEX FDS SML CP GRW ETF 922908595 409 2,095 SH   SOLE   0 0 2,095
VANGUARD INDEX FDS MID CAP ETF 922908629 1,530 8,140 SH   SOLE   0 0 8,140
VANGUARD INDEX FDS LARGE CAP ETF 922908637 308 1,881 SH   SOLE   0 0 1,881
VANGUARD INDEX FDS GROWTH ETF 922908736 933 4,362 SH   SOLE   0 0 4,362
VANGUARD INDEX FDS VALUE ETF 922908744 6,831 55,319 SH   SOLE   0 0 55,319
VANGUARD INDEX FDS SMALL CP ETF 922908751 437 2,556 SH   SOLE   0 0 2,556
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,502 13,941 SH   SOLE   0 0 13,941
VERIZON COMMUNICATIONS INC COM 92343V104 604 15,909 SH   SOLE   0 0 15,909
ATLASSIAN CORP PLC CL A G06242104 387 1,837 SH   SOLE   0 0 1,837