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
AT&T INC COM 00206R102   479,327 30,052 SH   SOLE   0 0 30,052
ABBOTT LABS COM 002824100   494,404 4,535 SH   SOLE   0 0 4,535
ABBVIE INC COM 00287Y109   920,525 6,832 SH   SOLE   0 0 6,832
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100   143,889 17,420 SH   SOLE   0 0 17,420
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   272,978 8,488 SH   SOLE   0 0 8,488
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   539,429 30,254 SH   SOLE   0 0 30,254
ALPHABET INC CAP STK CL C 02079K107   1,016,148 8,400 SH   SOLE   0 0 8,400
ALPHABET INC CAP STK CL A 02079K305   478,920 4,001 SH   SOLE   0 0 4,001
ALTRIA GROUP INC COM 02209S103   574,641 12,685 SH   SOLE   0 0 12,685
AMAZON COM INC COM 023135106   1,976,987 15,166 SH   SOLE   0 0 15,166
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   665,456 11,088 SH   SOLE   0 0 11,088
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   389,989 7,310 SH   SOLE   0 0 7,310
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,329,750 24,712 SH   SOLE   0 0 24,712
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   7,795,536 135,811 SH   SOLE   0 0 135,811
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,795,162 61,785 SH   SOLE   0 0 61,785
AMERICAN CENTY ETF TR US EQT ETF 025072885   16,059,167 213,581 SH   SOLE   0 0 213,581
ANALOG DEVICES INC COM 032654105   202,408 1,039 SH   SOLE   0 0 1,039
APPLE INC COM 037833100   8,872,955 45,744 SH   SOLE   0 0 45,744
APPLIED MATLS INC COM 038222105   519,766 3,596 SH   SOLE   0 0 3,596
BECTON DICKINSON & CO COM 075887109   405,135 1,535 SH   SOLE   0 0 1,535
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,255,221 3,681 SH   SOLE   0 0 3,681
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   193,710 17,342 SH   SOLE   0 0 17,342
BLACKSTONE INC COM 09260D107   533,090 5,734 SH   SOLE   0 0 5,734
BOEING CO COM 097023105   530,856 2,514 SH   SOLE   0 0 2,514
BOOKING HOLDINGS INC COM 09857L108   477,958 177 SH   SOLE   0 0 177
BRISTOL-MYERS SQUIBB CO COM 110122108   773,956 12,103 SH   SOLE   0 0 12,103
CVS HEALTH CORP COM 126650100   272,857 3,947 SH   SOLE   0 0 3,947
CHEVRON CORP NEW COM 166764100   445,290 2,830 SH   SOLE   0 0 2,830
CISCO SYS INC COM 17275R102   284,058 5,490 SH   SOLE   0 0 5,490
CONSOLIDATED EDISON INC COM 209115104   217,231 2,403 SH   SOLE   0 0 2,403
COSTCO WHSL CORP NEW COM 22160K105   257,884 479 SH   SOLE   0 0 479
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   5,179,179 167,124 SH   SOLE   0 0 167,124
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,653,642 170,338 SH   SOLE   0 0 170,338
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   3,930,317 167,533 SH   SOLE   0 0 167,533
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   27,260,966 566,050 SH   SOLE   0 0 566,050
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,857,002 271,113 SH   SOLE   0 0 271,113
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   31,571,298 680,563 SH   SOLE   0 0 680,563
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   411,734 16,210 SH   SOLE   0 0 16,210
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   52,190,421 1,922,299 SH   SOLE   0 0 1,922,299
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   26,701,248 773,949 SH   SOLE   0 0 773,949
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   398,144 16,771 SH   SOLE   0 0 16,771
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   8,986,604 367,100 SH   SOLE   0 0 367,100
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   211,572 9,271 SH   SOLE   0 0 9,271
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   348,420 14,356 SH   SOLE   0 0 14,356
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   5,880,833 179,021 SH   SOLE   0 0 179,021
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,015,141 47,172 SH   SOLE   0 0 47,172
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   10,664,792 401,838 SH   SOLE   0 0 401,838
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   934,673 19,624 SH   SOLE   0 0 19,624
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   4,021,897 86,772 SH   SOLE   0 0 86,772
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   13,265,144 317,880 SH   SOLE   0 0 317,880
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,827,925 78,418 SH   SOLE   0 0 78,418
DISNEY WALT CO COM 254687106   439,875 4,927 SH   SOLE   0 0 4,927
ETF SER SOLUTIONS US GLB JETS 26922A842   851,657 39,760 SH   SOLE   0 0 39,760
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   101,570 10,208 SH   SOLE   0 0 10,208
EXXON MOBIL CORP COM 30231G102   1,552,861 14,479 SH   SOLE   0 0 14,479
META PLATFORMS INC CL A 30303M102   776,950 2,707 SH   SOLE   0 0 2,707
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816   569,873 11,785 SH   SOLE   0 0 11,785
HOME DEPOT INC COM 437076102   766,342 2,467 SH   SOLE   0 0 2,467
INTEL CORP COM 458140100   345,762 10,340 SH   SOLE   0 0 10,340
INTERNATIONAL BUSINESS MACHS COM 459200101   629,975 4,708 SH   SOLE   0 0 4,708
INVESCO QQQ TR UNIT SER 1 46090E103   3,492,864 9,455 SH   SOLE   0 0 9,455
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   206,750 5,000 SH   SOLE   0 0 5,000
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   1,376,599 121,073 SH   SOLE   0 0 121,073
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   8,679,862 57,112 SH   SOLE   0 0 57,112
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   218,321 8,223 SH   SOLE   0 0 8,223
ISHARES TR CORE S&P TTL STK 464287150   10,882,960 111,232 SH   SOLE   0 0 111,232
ISHARES TR SELECT DIVID ETF 464287168   1,174,252 10,364 SH   SOLE   0 0 10,364
ISHARES TR TIPS BD ETF 464287176   200,708 1,865 SH   SOLE   0 0 1,865
ISHARES TR CORE S&P500 ETF 464287200   6,214,600 13,943 SH   SOLE   0 0 13,943
ISHARES TR CORE US AGGBD ET 464287226   4,906,415 50,091 SH   SOLE   0 0 50,091
ISHARES TR MSCI EMG MKT ETF 464287234   536,786 13,569 SH   SOLE   0 0 13,569
ISHARES TR IBOXX INV CP ETF 464287242   568,847 5,260 SH   SOLE   0 0 5,260
ISHARES TR S&P 500 GRWT ETF 464287309   404,911 5,745 SH   SOLE   0 0 5,745
ISHARES TR S&P 500 VAL ETF 464287408   3,087,852 19,157 SH   SOLE   0 0 19,157
ISHARES TR 1 3 YR TREAS BD 464287457   467,136 5,761 SH   SOLE   0 0 5,761
ISHARES TR MSCI EAFE ETF 464287465   621,798 8,577 SH   SOLE   0 0 8,577
ISHARES TR RUS MD CP GR ETF 464287481   1,277,411 13,220 SH   SOLE   0 0 13,220
ISHARES TR CORE S&P MCP ETF 464287507   27,251,361 104,220 SH   SOLE   0 0 104,220
ISHARES TR RUS 1000 VAL ETF 464287598   821,279 5,204 SH   SOLE   0 0 5,204
ISHARES TR RUS 1000 GRW ETF 464287614   2,079,439 7,557 SH   SOLE   0 0 7,557
ISHARES TR RUS 2000 VAL ETF 464287630   716,808 5,091 SH   SOLE   0 0 5,091
ISHARES TR RUSSELL 3000 ETF 464287689   2,594,871 10,197 SH   SOLE   0 0 10,197
ISHARES TR CORE S&P SCP ETF 464287804   12,204,295 122,472 SH   SOLE   0 0 122,472
ISHARES TR SP SMCP600VL ETF 464287879   8,892,190 93,513 SH   SOLE   0 0 93,513
ISHARES TR EAFE SML CP ETF 464288273   922,672 15,644 SH   SOLE   0 0 15,644
ISHARES TR PFD AND INCM SEC 464288687   3,205,507 103,637 SH   SOLE   0 0 103,637
ISHARES TR MSCI USA ESG SLC 464288802   614,840 6,566 SH   SOLE   0 0 6,566
ISHARES TR EAFE VALUE ETF 464288877   2,123,645 43,393 SH   SOLE   0 0 43,393
ISHARES TR AGGRES ALLOC ETF 464289859   247,316 3,728 SH   SOLE   0 0 3,728
ISHARES TR FLTG RATE NT ETF 46429B655   701,228 13,798 SH   SOLE   0 0 13,798
ISHARES TR CORE HIGH DV ETF 46429B663   969,943 9,623 SH   SOLE   0 0 9,623
ISHARES TR MSCI EAFE MIN VL 46429B689   243,675 3,610 SH   SOLE   0 0 3,610
ISHARES TR MSCI USA MIN VOL 46429B697   6,614,421 88,987 SH   SOLE   0 0 88,987
ISHARES TR MSCI USA QLT FCT 46432F339   20,988,238 155,618 SH   SOLE   0 0 155,618
ISHARES TR MSCI USA MMENTM 46432F396   9,145,434 63,400 SH   SOLE   0 0 63,400
ISHARES TR CORE MSCI TOTAL 46432F834   606,161 9,680 SH   SOLE   0 0 9,680
ISHARES TR CORE MSCI EAFE 46432F842   1,798,943 26,651 SH   SOLE   0 0 26,651
ISHARES TR EXPONENTIAL TECH 46434V381   530,702 9,545 SH   SOLE   0 0 9,545
ISHARES TR MSCI INTL QUALTY 46434V456   3,440,106 96,632 SH   SOLE   0 0 96,632
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,297,883 51,320 SH   SOLE   0 0 51,320
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,144,343 87,955 SH   SOLE   0 0 87,955
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,172,884 88,257 SH   SOLE   0 0 88,257
ISHARES TR IBONDS DEC2026 46435GAA0   648,946 27,650 SH   SOLE   0 0 27,650
ISHARES TR ESG AWARE MSCI 46435U663   360,848 10,159 SH   SOLE   0 0 10,159
ISHARES TR BROAD USD HIGH 46435U853   1,072,560 30,384 SH   SOLE   0 0 30,384
ISHARES TR ESG AWARE AGGRSV 46436E668   238,578 7,750 SH   SOLE   0 0 7,750
JPMORGAN CHASE & CO COM 46625H100   620,974 4,270 SH   SOLE   0 0 4,270
JOHNSON & JOHNSON COM 478160104   2,455,092 14,833 SH   SOLE   0 0 14,833
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104   108,437 16,760 SH   SOLE   0 0 16,760
MARATHON PETE CORP COM 56585A102   281,822 2,417 SH   SOLE   0 0 2,417
MCDONALDS CORP COM 580135101   930,538 3,118 SH   SOLE   0 0 3,118
MERCK & CO INC COM 58933Y105   465,480 4,034 SH   SOLE   0 0 4,034
MICROSOFT CORP COM 594918104   5,200,044 15,270 SH   SOLE   0 0 15,270
NETFLIX INC COM 64110L106   404,810 919 SH   SOLE   0 0 919
NEW YORK CMNTY BANCORP INC COM 649445103   193,047 17,175 SH   SOLE   0 0 17,175
NUCOR CORP COM 670346105   278,766 1,700 SH   SOLE   0 0 1,700
NVIDIA CORPORATION COM 67066G104   296,537 701 SH   SOLE   0 0 701
OPKO HEALTH INC COM 68375N103   43,400 20,000 SH   SOLE   0 0 20,000
PACKAGING CORP AMER COM 695156109   201,676 1,526 SH   SOLE   0 0 1,526
PALO ALTO NETWORKS INC COM 697435105   455,361 1,782 SH   SOLE   0 0 1,782
PEPSICO INC COM 713448108   619,746 3,346 SH   SOLE   0 0 3,346
PFIZER INC COM 717081103   217,132 5,920 SH   SOLE   0 0 5,920
PHILIP MORRIS INTL INC COM 718172109   664,944 6,812 SH   SOLE   0 0 6,812
PROCTER AND GAMBLE CO COM 742718109   500,775 3,300 SH   SOLE   0 0 3,300
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   579,945 9,263 SH   SOLE   0 0 9,263
SHELL PLC SPON ADS 780259305   236,629 3,919 SH   SOLE   0 0 3,919
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,261,646 18,638 SH   SOLE   0 0 18,638
SPDR GOLD TR GOLD SHS 78463V107   295,572 1,658 SH   SOLE   0 0 1,658
SPDR SER TR S&P 600 SMCP VAL 78464A300   233,708 3,028 SH   SOLE   0 0 3,028
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   615,455 1,790 SH   SOLE   0 0 1,790
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,031,630 27,822 SH   SOLE   0 0 27,822
SALESFORCE INC COM 79466L302   215,908 1,022 SH   SOLE   0 0 1,022
SAMSARA INC COM CL A 79589L106   263,467 9,508 SH   SOLE   0 0 9,508
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   835,740 12,457 SH   SOLE   0 0 12,457
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   229,737 6,803 SH   SOLE   0 0 6,803
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,011,959 12,467 SH   SOLE   0 0 12,467
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   695,573 20,634 SH   SOLE   0 0 20,634
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,840,428 10,586 SH   SOLE   0 0 10,586
SERVICENOW INC COM 81762P102   235,465 419 SH   SOLE   0 0 419
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104   203,382 13,742 SH   SOLE   0 0 13,742
T-MOBILE US INC COM 872590104   611,225 4,400 SH   SOLE   0 0 4,400
TESLA INC COM 88160R101   1,204,382 4,601 SH   SOLE   0 0 4,601
TORONTO DOMINION BK ONT COM NEW 891160509   203,703 3,285 SH   SOLE   0 0 3,285
UNITED PARCEL SERVICE INC CL B 911312106   287,544 1,604 SH   SOLE   0 0 1,604
VALLEY NATL BANCORP COM 919794107   214,474 27,674 SH   SOLE   0 0 27,674
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,145,392 13,208 SH   SOLE   0 0 13,208
VANGUARD WORLD FD MEGA GRWTH IND 921910816   225,019 956 SH   SOLE   0 0 956
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   204,990 807 SH   SOLE   0 0 807
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,001,992 11,315 SH   SOLE   0 0 11,315
VANGUARD BD INDEX FDS INTERMED TERM 921937819   600,653 7,984 SH   SOLE   0 0 7,984
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,450,491 19,194 SH   SOLE   0 0 19,194
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   983,287 21,292 SH   SOLE   0 0 21,292
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   420,866 3,968 SH   SOLE   0 0 3,968
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   420,197 6,649 SH   SOLE   0 0 6,649
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   403,180 8,502 SH   SOLE   0 0 8,502
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   401,032 8,158 SH   SOLE   0 0 8,158
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   636,831 6,567 SH   SOLE   0 0 6,567
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,252,449 30,788 SH   SOLE   0 0 30,788
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   207,465 2,976 SH   SOLE   0 0 2,976
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   227,009 3,679 SH   SOLE   0 0 3,679
VANGUARD WORLD FDS UTILITIES ETF 92204A876   738,039 5,191 SH   SOLE   0 0 5,191
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,012,753 39,820 SH   SOLE   0 0 39,820
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   550,488 7,276 SH   SOLE   0 0 7,276
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   688,473 8,712 SH   SOLE   0 0 8,712
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   883,629 17,595 SH   SOLE   0 0 17,595
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,294,907 5,635 SH   SOLE   0 0 5,635
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,146,323 25,686 SH   SOLE   0 0 25,686
VANGUARD INDEX FDS SML CP GRW ETF 922908595   472,619 2,057 SH   SOLE   0 0 2,057
VANGUARD INDEX FDS MID CAP ETF 922908629   1,409,373 6,402 SH   SOLE   0 0 6,402
VANGUARD INDEX FDS LARGE CAP ETF 922908637   383,813 1,893 SH   SOLE   0 0 1,893
VANGUARD INDEX FDS GROWTH ETF 922908736   1,248,133 4,411 SH   SOLE   0 0 4,411
VANGUARD INDEX FDS VALUE ETF 922908744   6,768,378 47,631 SH   SOLE   0 0 47,631
VANGUARD INDEX FDS SMALL CP ETF 922908751   562,722 2,829 SH   SOLE   0 0 2,829
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,699,640 16,795 SH   SOLE   0 0 16,795
VERIZON COMMUNICATIONS INC COM 92343V104   428,911 11,533 SH   SOLE   0 0 11,533
EATON CORP PLC SHS G29183103   256,604 1,276 SH   SOLE   0 0 1,276